Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, Performance and Condition Ratios
| 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 | 5.0931% | 672 |
| Cost of funding earning assets | 0.7838% | 1,205 |
| Net interest margin | 4.3094% | 1,015 |
| Noninterest income to average assets | 0.2359% | 4,604 |
| Noninterest expense to average assets | 2.0980% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7492% | 656 |
| Return on assets (ROA) | 1.7492% | 658 |
| Pretax return on assets | 2.3289% | 309 |
| Return on Equity (ROE) | 18.6117% | 367 |
| Retained earnings to average equity (ytd only) | 18.6117% | 88 |
| Net charge-offs to loans | -0.0081% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3920% | 5,147 |
| Assets per employee ($millions) | 6.1493% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 3,130 |
| Loan loss allowance to noncurrent loans | 67.0459% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5352% | 862 |
| Noncurrent loans to loans | 1.6756% | 954 |
| Net loans and leases to total assets | 90.5964% | 58 |
| Net loans and leases to deposits | 109.9884% | 279 |
| Net loans and leases to core deposits | 145.0982% | 154 |
| Total domestic deposits to total assets | 82.3691% | 3,606 |
| Equity capital to assets | 9.5205% | 4,077 |
| Core capital (leverage) ratio | 9.7332% | 3,852 |
| Tier 1 risk-based capital ratio | 11.6685% | 4,707 |
| Total risk-based capital ratio | 12.9181% | 4,584 |
| Memoranda: | ||
| Average total assets | $161,104,670 | 3,310 |
| Average earning assets | $156,681,330 | 3,214 |
| Average equity | $15,141,000 | 3,661 |
| Average total loans | $147,846,670 | 2,694 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1587% | 534 |
| Cost of funding earning assets | 0.7521% | 1,179 |
| Net interest margin | 4.4065% | 759 |
| Noninterest income to average assets | 0.2496% | 4,511 |
| Noninterest expense to average assets | 2.0978% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8331% | 527 |
| Return on assets (ROA) | 1.8331% | 528 |
| Pretax return on assets | 2.4357% | 247 |
| Return on Equity (ROE) | 19.6380% | 274 |
| Retained earnings to average equity (ytd only) | 19.6380% | 107 |
| Net charge-offs to loans | -0.0055% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2736% | 5,263 |
| Assets per employee ($millions) | 6.0034% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,065 |
| Loan loss allowance to noncurrent loans | 947.2222% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,538 |
| Noncurrent loans to loans | 0.1220% | 4,414 |
| Net loans and leases to total assets | 89.9563% | 64 |
| Net loans and leases to deposits | 106.7157% | 354 |
| Net loans and leases to core deposits | 134.7171% | 278 |
| Total domestic deposits to total assets | 84.2952% | 3,199 |
| Equity capital to assets | 9.3485% | 4,230 |
| Core capital (leverage) ratio | 9.4781% | 4,091 |
| Tier 1 risk-based capital ratio | 11.1504% | 5,057 |
| Total risk-based capital ratio | 12.3998% | 4,951 |
| Memoranda: | ||
| Average total assets | $158,641,000 | 3,377 |
| Average earning assets | $154,226,000 | 3,275 |
| Average equity | $14,808,000 | 3,736 |
| Average total loans | $145,706,000 | 2,738 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 680 |
| Cost of funding earning assets | 0.5404% | 2,028 |
| Net interest margin | 4.4343% | 705 |
| Noninterest income to average assets | 0.5249% | 2,851 |
| Noninterest expense to average assets | 2.5205% | 3,710 |
| Loan and lease loss provision to assets | 0.1734% | 1,258 |
| Net operating income to assets | 1.4394% | 925 |
| Return on assets (ROA) | 1.4394% | 944 |
| Pretax return on assets | 2.1330% | 368 |
| Return on Equity (ROE) | 15.8472% | 502 |
| Retained earnings to average equity (ytd only) | 15.8472% | 72 |
| Net charge-offs to loans | 0.0015% | 4,068 |
| Credit loss provision to net charge-offs | 12,750.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,696.0000% | 39 |
| Efficiency ratio | 52.2186% | 5,089 |
| Assets per employee ($millions) | 5.7478% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,878 |
| Loan loss allowance to noncurrent loans | 1,851.0870% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 4,827 |
| Noncurrent loans to loans | 0.0639% | 4,703 |
| Net loans and leases to total assets | 91.6245% | 40 |
| Net loans and leases to deposits | 112.0521% | 214 |
| Net loans and leases to core deposits | 137.3301% | 239 |
| Total domestic deposits to total assets | 81.7696% | 3,921 |
| Equity capital to assets | 9.3195% | 4,410 |
| Core capital (leverage) ratio | 9.3652% | 4,209 |
| Tier 1 risk-based capital ratio | 11.3803% | 4,930 |
| Total risk-based capital ratio | 12.6314% | 4,808 |
| Memoranda: | ||
| Average total assets | $147,072,400 | 3,505 |
| Average earning assets | $142,683,000 | 3,416 |
| Average equity | $13,358,800 | 3,934 |
| Average total loans | $131,375,400 | 2,893 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 783 |
| Cost of funding earning assets | 0.5091% | 2,194 |
| Net interest margin | 4.3744% | 771 |
| Noninterest income to average assets | 0.2519% | 4,702 |
| Noninterest expense to average assets | 2.2963% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3623% | 1,180 |
| Return on assets (ROA) | 1.3623% | 1,192 |
| Pretax return on assets | 2.1970% | 369 |
| Return on Equity (ROE) | 15.1035% | 638 |
| Retained earnings to average equity (ytd only) | 15.1035% | 117 |
| Net charge-offs to loans | -0.0187% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1047% | 5,173 |
| Assets per employee ($millions) | 5.6562% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,720 |
| Loan loss allowance to noncurrent loans | 1,103.7594% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 4,806 |
| Noncurrent loans to loans | 0.0962% | 4,681 |
| Net loans and leases to total assets | 89.5697% | 97 |
| Net loans and leases to deposits | 106.5791% | 387 |
| Net loans and leases to core deposits | 130.5089% | 334 |
| Total domestic deposits to total assets | 84.0405% | 3,110 |
| Equity capital to assets | 9.0742% | 4,845 |
| Core capital (leverage) ratio | 9.1704% | 4,551 |
| Tier 1 risk-based capital ratio | 11.6070% | 4,877 |
| Total risk-based capital ratio | 12.8465% | 4,775 |
| Memoranda: | ||
| Average total assets | $145,042,750 | 3,567 |
| Average earning assets | $140,631,750 | 3,468 |
| Average equity | $13,082,750 | 4,013 |
| Average total loans | $128,245,250 | 2,964 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7478% | 970 |
| Cost of funding earning assets | 0.4659% | 2,450 |
| Net interest margin | 4.2818% | 907 |
| Noninterest income to average assets | 0.2414% | 4,796 |
| Noninterest expense to average assets | 2.2992% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2998% | 1,299 |
| Return on assets (ROA) | 1.2998% | 1,324 |
| Pretax return on assets | 2.0957% | 448 |
| Return on Equity (ROE) | 14.4413% | 747 |
| Retained earnings to average equity (ytd only) | 14.4413% | 162 |
| Net charge-offs to loans | -0.0240% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3156% | 5,155 |
| Assets per employee ($millions) | 5.4787% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,602 |
| Loan loss allowance to noncurrent loans | 1,422.3301% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,920 |
| Noncurrent loans to loans | 0.0771% | 4,826 |
| Net loans and leases to total assets | 89.3668% | 100 |
| Net loans and leases to deposits | 106.4038% | 384 |
| Net loans and leases to core deposits | 132.2241% | 272 |
| Total domestic deposits to total assets | 83.9884% | 3,200 |
| Equity capital to assets | 9.0019% | 4,900 |
| Core capital (leverage) ratio | 9.5097% | 4,123 |
| Tier 1 risk-based capital ratio | 11.4999% | 4,959 |
| Total risk-based capital ratio | 12.7501% | 4,850 |
| Memoranda: | ||
| Average total assets | $142,484,330 | 3,625 |
| Average earning assets | $138,212,330 | 3,520 |
| Average equity | $12,824,330 | 4,061 |
| Average total loans | $124,908,000 | 3,025 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 895 |
| Cost of funding earning assets | 0.4630% | 2,398 |
| Net interest margin | 4.2587% | 872 |
| Noninterest income to average assets | 0.2604% | 4,672 |
| Noninterest expense to average assets | 2.3983% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2364% | 1,414 |
| Return on assets (ROA) | 1.2364% | 1,451 |
| Pretax return on assets | 1.9948% | 507 |
| Return on Equity (ROE) | 13.7377% | 851 |
| Retained earnings to average equity (ytd only) | 13.7377% | 315 |
| Net charge-offs to loans | -0.0133% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5928% | 5,081 |
| Assets per employee ($millions) | 5.1731% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 3,116 |
| Loan loss allowance to noncurrent loans | 1,109.9237% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,896 |
| Noncurrent loans to loans | 0.1084% | 4,759 |
| Net loans and leases to total assets | 85.4490% | 257 |
| Net loans and leases to deposits | 98.8218% | 702 |
| Net loans and leases to core deposits | 115.4378% | 613 |
| Total domestic deposits to total assets | 86.4678% | 2,458 |
| Equity capital to assets | 9.1635% | 4,656 |
| Core capital (leverage) ratio | 9.1893% | 4,493 |
| Tier 1 risk-based capital ratio | 12.5224% | 4,376 |
| Total risk-based capital ratio | 13.7741% | 4,280 |
| Memoranda: | ||
| Average total assets | $139,764,500 | 3,696 |
| Average earning assets | $135,629,000 | 3,595 |
| Average equity | $12,578,500 | 4,125 |
| Average total loans | $120,532,000 | 3,100 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 1,019 |
| Cost of funding earning assets | 0.4837% | 2,222 |
| Net interest margin | 4.2397% | 1,036 |
| Noninterest income to average assets | 0.2977% | 4,609 |
| Noninterest expense to average assets | 2.5877% | 3,713 |
| Loan and lease loss provision to assets | 0.0236% | 3,892 |
| Net operating income to assets | 1.1332% | 1,756 |
| Return on assets (ROA) | 1.1332% | 1,851 |
| Pretax return on assets | 1.8002% | 800 |
| Return on Equity (ROE) | 12.3192% | 1,165 |
| Retained earnings to average equity (ytd only) | 12.3192% | 201 |
| Net charge-offs to loans | -0.2147% | 5,756 |
| Credit loss provision to net charge-offs | -12.6050% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6576% | 4,765 |
| Assets per employee ($millions) | 5.3790% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 3,091 |
| Loan loss allowance to noncurrent loans | 1,043.1655% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,925 |
| Noncurrent loans to loans | 0.1156% | 4,772 |
| Net loans and leases to total assets | 84.9523% | 304 |
| Net loans and leases to deposits | 97.5812% | 859 |
| Net loans and leases to core deposits | 113.7994% | 707 |
| Total domestic deposits to total assets | 87.0580% | 2,115 |
| Equity capital to assets | 8.8363% | 4,976 |
| Core capital (leverage) ratio | 8.9044% | 4,847 |
| Tier 1 risk-based capital ratio | 12.1854% | 4,594 |
| Total risk-based capital ratio | 13.4373% | 4,468 |
| Memoranda: | ||
| Average total assets | $126,985,200 | 3,880 |
| Average earning assets | $123,217,600 | 3,766 |
| Average equity | $11,681,000 | 4,302 |
| Average total loans | $110,832,400 | 3,205 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 989 |
| Cost of funding earning assets | 0.4811% | 2,249 |
| Net interest margin | 4.2655% | 996 |
| Noninterest income to average assets | 0.2952% | 4,656 |
| Noninterest expense to average assets | 2.5359% | 3,877 |
| Loan and lease loss provision to assets | 0.0323% | 3,587 |
| Net operating income to assets | 1.1548% | 1,788 |
| Return on assets (ROA) | 1.1548% | 1,886 |
| Pretax return on assets | 1.8626% | 775 |
| Return on Equity (ROE) | 12.4160% | 1,194 |
| Retained earnings to average equity (ytd only) | 12.4160% | 256 |
| Net charge-offs to loans | -0.0418% | 5,302 |
| Credit loss provision to net charge-offs | -88.2353% | 4,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2332% | 4,927 |
| Assets per employee ($millions) | 4.9698% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,969 |
| Loan loss allowance to noncurrent loans | 700.0000% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 4,886 |
| Noncurrent loans to loans | 0.1538% | 4,736 |
| Net loans and leases to total assets | 88.5926% | 108 |
| Net loans and leases to deposits | 103.0499% | 503 |
| Net loans and leases to core deposits | 127.9654% | 332 |
| Total domestic deposits to total assets | 85.9706% | 2,372 |
| Equity capital to assets | 9.3651% | 4,798 |
| Core capital (leverage) ratio | 9.2645% | 4,511 |
| Tier 1 risk-based capital ratio | 12.1758% | 4,688 |
| Total risk-based capital ratio | 13.4256% | 4,583 |
| Memoranda: | ||
| Average total assets | $123,767,750 | 3,952 |
| Average earning assets | $119,998,250 | 3,849 |
| Average equity | $11,511,750 | 4,375 |
| Average total loans | $108,475,500 | 3,243 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,130 |
| Cost of funding earning assets | 0.4689% | 2,383 |
| Net interest margin | 4.1968% | 1,120 |
| Noninterest income to average assets | 0.1689% | 5,477 |
| Noninterest expense to average assets | 2.5256% | 3,971 |
| Loan and lease loss provision to assets | 0.0492% | 3,165 |
| Net operating income to assets | 1.0283% | 2,256 |
| Return on assets (ROA) | 1.0283% | 2,396 |
| Pretax return on assets | 1.6597% | 1,194 |
| Return on Equity (ROE) | 11.0823% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.0823% | 431 |
| Net charge-offs to loans | -0.0170% | 4,878 |
| Credit loss provision to net charge-offs | -333.3333% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6437% | 4,686 |
| Assets per employee ($millions) | 4.9869% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 4,010 |
| Loan loss allowance to noncurrent loans | 285.2804% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 4,064 |
| Noncurrent loans to loans | 0.3814% | 3,997 |
| Net loans and leases to total assets | 89.0272% | 97 |
| Net loans and leases to deposits | 104.3746% | 444 |
| Net loans and leases to core deposits | 128.4882% | 325 |
| Total domestic deposits to total assets | 85.2958% | 2,738 |
| Equity capital to assets | 9.3614% | 4,904 |
| Core capital (leverage) ratio | 9.4325% | 4,293 |
| Tier 1 risk-based capital ratio | 12.2455% | 4,676 |
| Total risk-based capital ratio | 13.4962% | 4,596 |
| Memoranda: | ||
| Average total assets | $121,952,330 | 4,013 |
| Average earning assets | $118,137,000 | 3,911 |
| Average equity | $11,315,330 | 4,437 |
| Average total loans | $106,060,670 | 3,306 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 1,179 |
| Cost of funding earning assets | 0.4632% | 2,433 |
| Net interest margin | 4.1691% | 1,176 |
| Noninterest income to average assets | 0.1990% | 5,312 |
| Noninterest expense to average assets | 2.4844% | 4,115 |
| Loan and lease loss provision to assets | 0.0995% | 2,032 |
| Net operating income to assets | 1.0183% | 2,196 |
| Return on assets (ROA) | 1.0183% | 2,316 |
| Pretax return on assets | 1.6452% | 1,193 |
| Return on Equity (ROE) | 11.0258% | 1,591 |
| Retained earnings to average equity (ytd only) | 11.0258% | 649 |
| Net charge-offs to loans | -0.0155% | 4,734 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7451% | 4,909 |
| Assets per employee ($millions) | 5.0171% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,709 |
| Loan loss allowance to noncurrent loans | 152.0000% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 2,637 |
| Noncurrent loans to loans | 0.7641% | 2,921 |
| Net loans and leases to total assets | 85.9397% | 219 |
| Net loans and leases to deposits | 100.2169% | 614 |
| Net loans and leases to core deposits | 121.1568% | 433 |
| Total domestic deposits to total assets | 85.7537% | 2,785 |
| Equity capital to assets | 9.3979% | 4,769 |
| Core capital (leverage) ratio | 9.4509% | 4,276 |
| Tier 1 risk-based capital ratio | 12.7130% | 4,453 |
| Total risk-based capital ratio | 13.9643% | 4,361 |
| Memoranda: | ||
| Average total assets | $120,592,500 | 4,059 |
| Average earning assets | $116,571,500 | 3,966 |
| Average equity | $11,137,500 | 4,477 |
| Average total loans | $102,984,500 | 3,372 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 958 |
| Cost of funding earning assets | 0.3845% | 3,326 |
| Net interest margin | 4.3956% | 801 |
| Noninterest income to average assets | 0.2672% | 4,959 |
| Noninterest expense to average assets | 2.6960% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1236% | 1,822 |
| Return on assets (ROA) | 1.1327% | 1,859 |
| Pretax return on assets | 1.8172% | 781 |
| Return on Equity (ROE) | 12.2709% | 1,237 |
| Retained earnings to average equity (ytd only) | 12.2709% | 238 |
| Net charge-offs to loans | -0.0230% | 5,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9250% | 4,916 |
| Assets per employee ($millions) | 5.0323% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,667 |
| Loan loss allowance to noncurrent loans | 691.2281% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 4,359 |
| Noncurrent loans to loans | 0.1689% | 4,815 |
| Net loans and leases to total assets | 82.8739% | 498 |
| Net loans and leases to deposits | 98.0093% | 815 |
| Net loans and leases to core deposits | 122.5419% | 417 |
| Total domestic deposits to total assets | 84.5572% | 3,267 |
| Equity capital to assets | 9.0739% | 5,045 |
| Core capital (leverage) ratio | 9.2739% | 4,510 |
| Tier 1 risk-based capital ratio | 12.7808% | 4,465 |
| Total risk-based capital ratio | 14.0318% | 4,361 |
| Memoranda: | ||
| Average total assets | $112,648,000 | 4,204 |
| Average earning assets | $108,449,400 | 4,091 |
| Average equity | $10,398,600 | 4,583 |
| Average total loans | $95,685,800 | 3,464 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 1,012 |
| Cost of funding earning assets | 0.3811% | 3,422 |
| Net interest margin | 4.3722% | 839 |
| Noninterest income to average assets | 0.2905% | 4,871 |
| Noninterest expense to average assets | 2.4758% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2617% | 1,447 |
| Return on assets (ROA) | 1.2740% | 1,467 |
| Pretax return on assets | 2.0382% | 558 |
| Return on Equity (ROE) | 13.7379% | 955 |
| Retained earnings to average equity (ytd only) | 13.7379% | 226 |
| Net charge-offs to loans | -0.0608% | 5,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0818% | 5,442 |
| Assets per employee ($millions) | 5.0478% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,749 |
| Loan loss allowance to noncurrent loans | 711.8343% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 4,528 |
| Noncurrent loans to loans | 0.1663% | 4,987 |
| Net loans and leases to total assets | 86.4978% | 204 |
| Net loans and leases to deposits | 105.5450% | 384 |
| Net loans and leases to core deposits | 117.3781% | 547 |
| Total domestic deposits to total assets | 81.9535% | 4,178 |
| Equity capital to assets | 9.2868% | 5,019 |
| Core capital (leverage) ratio | 9.1648% | 4,781 |
| Tier 1 risk-based capital ratio | 12.4850% | 4,765 |
| Total risk-based capital ratio | 13.7385% | 4,661 |
| Memoranda: | ||
| Average total assets | $110,616,250 | 4,294 |
| Average earning assets | $106,365,250 | 4,174 |
| Average equity | $10,258,500 | 4,663 |
| Average total loans | $94,289,000 | 3,524 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 1,025 |
| Cost of funding earning assets | 0.3773% | 3,529 |
| Net interest margin | 4.3458% | 843 |
| Noninterest income to average assets | 0.3364% | 4,551 |
| Noninterest expense to average assets | 2.5205% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2483% | 1,470 |
| Return on assets (ROA) | 1.2483% | 1,532 |
| Pretax return on assets | 1.9873% | 613 |
| Return on Equity (ROE) | 13.4669% | 1,023 |
| Retained earnings to average equity (ytd only) | 13.4669% | 271 |
| Net charge-offs to loans | -0.0305% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9135% | 5,435 |
| Assets per employee ($millions) | 4.9077% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 3,835 |
| Loan loss allowance to noncurrent loans | 678.6127% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 4,594 |
| Noncurrent loans to loans | 0.1758% | 5,069 |
| Net loans and leases to total assets | 86.1609% | 234 |
| Net loans and leases to deposits | 102.3338% | 531 |
| Net loans and leases to core deposits | 112.2531% | 739 |
| Total domestic deposits to total assets | 84.1959% | 3,488 |
| Equity capital to assets | 9.2066% | 5,008 |
| Core capital (leverage) ratio | 9.2035% | 4,688 |
| Tier 1 risk-based capital ratio | 12.5256% | 4,784 |
| Total risk-based capital ratio | 13.7779% | 4,705 |
| Memoranda: | ||
| Average total assets | $108,788,330 | 4,362 |
| Average earning assets | $104,423,670 | 4,259 |
| Average equity | $10,084,000 | 4,732 |
| Average total loans | $91,843,000 | 3,598 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 1,037 |
| Cost of funding earning assets | 0.3717% | 3,625 |
| Net interest margin | 4.3269% | 828 |
| Noninterest income to average assets | 0.3822% | 4,144 |
| Noninterest expense to average assets | 2.5969% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2254% | 1,474 |
| Return on assets (ROA) | 1.2254% | 1,568 |
| Pretax return on assets | 1.9298% | 677 |
| Return on Equity (ROE) | 13.1722% | 1,041 |
| Retained earnings to average equity (ytd only) | 13.1722% | 426 |
| Net charge-offs to loans | -0.1852% | 6,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3675% | 5,406 |
| Assets per employee ($millions) | 4.7230% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 3,241 |
| Loan loss allowance to noncurrent loans | 504.6218% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 4,268 |
| Noncurrent loans to loans | 0.2636% | 4,840 |
| Net loans and leases to total assets | 82.0232% | 458 |
| Net loans and leases to deposits | 95.5773% | 861 |
| Net loans and leases to core deposits | 104.2519% | 1,050 |
| Total domestic deposits to total assets | 85.8187% | 3,032 |
| Equity capital to assets | 9.3180% | 4,942 |
| Core capital (leverage) ratio | 9.2515% | 4,647 |
| Tier 1 risk-based capital ratio | 12.7969% | 4,725 |
| Total risk-based capital ratio | 14.0506% | 4,642 |
| Memoranda: | ||
| Average total assets | $106,744,500 | 4,443 |
| Average earning assets | $102,244,000 | 4,341 |
| Average equity | $9,930,000 | 4,798 |
| Average total loans | $88,550,000 | 3,683 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 960 |
| Cost of funding earning assets | 0.3532% | 4,219 |
| Net interest margin | 4.5243% | 711 |
| Noninterest income to average assets | 0.4847% | 3,623 |
| Noninterest expense to average assets | 3.9210% | 834 |
| Loan and lease loss provision to assets | -0.6096% | 6,463 |
| Net operating income to assets | 1.3760% | 1,129 |
| Return on assets (ROA) | 1.3239% | 1,296 |
| Pretax return on assets | 1.3869% | 1,924 |
| Return on Equity (ROE) | 14.2442% | 892 |
| Retained earnings to average equity (ytd only) | 14.2442% | 165 |
| Net charge-offs to loans | -1.0052% | 6,446 |
| Credit loss provision to net charge-offs | 76.1421% | 2,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4925% | 1,606 |
| Assets per employee ($millions) | 4.3692% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 3,246 |
| Loan loss allowance to noncurrent loans | 532.1101% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 4,353 |
| Noncurrent loans to loans | 0.2512% | 4,933 |
| Net loans and leases to total assets | 81.6689% | 560 |
| Net loans and leases to deposits | 95.2083% | 969 |
| Net loans and leases to core deposits | 100.6086% | 1,353 |
| Total domestic deposits to total assets | 85.7791% | 2,955 |
| Equity capital to assets | 9.2867% | 4,962 |
| Core capital (leverage) ratio | 9.5645% | 4,153 |
| Tier 1 risk-based capital ratio | 13.0410% | 4,705 |
| Total risk-based capital ratio | 14.2955% | 4,612 |
| Memoranda: | ||
| Average total assets | $98,419,800 | 4,640 |
| Average earning assets | $92,853,400 | 4,584 |
| Average equity | $9,147,600 | 4,938 |
| Average total loans | $78,389,400 | 3,925 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,066 |
| Cost of funding earning assets | 0.3505% | 4,340 |
| Net interest margin | 4.4752% | 782 |
| Noninterest income to average assets | 0.5619% | 3,123 |
| Noninterest expense to average assets | 3.9114% | 829 |
| Loan and lease loss provision to assets | -0.8263% | 6,559 |
| Net operating income to assets | 1.7505% | 557 |
| Return on assets (ROA) | 1.6761% | 668 |
| Pretax return on assets | 1.6059% | 1,310 |
| Return on Equity (ROE) | 18.0292% | 444 |
| Retained earnings to average equity (ytd only) | 18.0292% | 114 |
| Net charge-offs to loans | -1.3720% | 6,530 |
| Credit loss provision to net charge-offs | 76.4331% | 2,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0809% | 1,612 |
| Assets per employee ($millions) | 4.4176% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 2,784 |
| Loan loss allowance to noncurrent loans | 270.3271% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 1.7873% | 1,672 |
| Noncurrent loans to loans | 0.5503% | 4,272 |
| Net loans and leases to total assets | 78.8295% | 857 |
| Net loans and leases to deposits | 87.6868% | 1,711 |
| Net loans and leases to core deposits | 93.2122% | 1,938 |
| Total domestic deposits to total assets | 89.8989% | 787 |
| Equity capital to assets | 9.9149% | 4,278 |
| Core capital (leverage) ratio | 9.8256% | 3,909 |
| Tier 1 risk-based capital ratio | 14.1059% | 4,139 |
| Total risk-based capital ratio | 15.3333% | 4,095 |
| Memoranda: | ||
| Average total assets | $96,809,750 | 4,724 |
| Average earning assets | $90,928,250 | 4,676 |
| Average equity | $9,000,000 | 5,009 |
| Average total loans | $76,287,250 | 4,024 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 1,091 |
| Cost of funding earning assets | 0.3420% | 4,518 |
| Net interest margin | 4.4460% | 787 |
| Noninterest income to average assets | 0.7654% | 1,982 |
| Noninterest expense to average assets | 4.1806% | 616 |
| Loan and lease loss provision to assets | -1.2412% | 6,642 |
| Net operating income to assets | 2.2486% | 206 |
| Return on assets (ROA) | 2.2486% | 218 |
| Pretax return on assets | 1.9941% | 563 |
| Return on Equity (ROE) | 24.7383% | 118 |
| Retained earnings to average equity (ytd only) | 24.7383% | 46 |
| Net charge-offs to loans | -2.3168% | 6,606 |
| Credit loss provision to net charge-offs | 68.3371% | 2,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7379% | 1,420 |
| Assets per employee ($millions) | 4.4173% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 2,273 |
| Loan loss allowance to noncurrent loans | 189.1074% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 2.0333% | 1,566 |
| Noncurrent loans to loans | 0.8752% | 3,508 |
| Net loans and leases to total assets | 76.4306% | 1,112 |
| Net loans and leases to deposits | 88.8299% | 1,497 |
| Net loans and leases to core deposits | 94.6879% | 1,718 |
| Total domestic deposits to total assets | 86.0415% | 3,020 |
| Equity capital to assets | 9.7457% | 4,433 |
| Core capital (leverage) ratio | 9.7107% | 4,023 |
| Tier 1 risk-based capital ratio | 14.2281% | 4,112 |
| Total risk-based capital ratio | 15.4865% | 4,035 |
| Memoranda: | ||
| Average total assets | $96,684,000 | 4,760 |
| Average earning assets | $90,643,000 | 4,712 |
| Average equity | $8,788,000 | 5,086 |
| Average total loans | $75,793,330 | 4,051 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,246 |
| Cost of funding earning assets | 0.3408% | 4,639 |
| Net interest margin | 4.3636% | 868 |
| Noninterest income to average assets | 1.3605% | 625 |
| Noninterest expense to average assets | 3.3722% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3812% | 1,031 |
| Return on assets (ROA) | 1.3812% | 1,073 |
| Pretax return on assets | 2.0781% | 447 |
| Return on Equity (ROE) | 15.7698% | 666 |
| Retained earnings to average equity (ytd only) | 15.7698% | 285 |
| Net charge-offs to loans | 0.6585% | 559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.0080% | 2,585 |
| Efficiency ratio | 61.8721% | 5,143 |
| Assets per employee ($millions) | 4.5405% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,014 |
| Loan loss allowance to noncurrent loans | 244.3804% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 2.6282% | 1,177 |
| Noncurrent loans to loans | 0.4601% | 4,775 |
| Net loans and leases to total assets | 78.2068% | 746 |
| Net loans and leases to deposits | 89.2660% | 1,226 |
| Net loans and leases to core deposits | 93.5822% | 1,587 |
| Total domestic deposits to total assets | 87.6110% | 2,453 |
| Equity capital to assets | 9.0717% | 5,029 |
| Core capital (leverage) ratio | 8.9664% | 5,062 |
| Tier 1 risk-based capital ratio | 12.7644% | 5,150 |
| Total risk-based capital ratio | 14.0151% | 5,088 |
| Memoranda: | ||
| Average total assets | $96,435,500 | 4,813 |
| Average earning assets | $90,385,000 | 4,768 |
| Average equity | $8,446,500 | 5,191 |
| Average total loans | $75,927,000 | 4,070 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 1,231 |
| Cost of funding earning assets | 0.4143% | 4,489 |
| Net interest margin | 4.4244% | 866 |
| Noninterest income to average assets | 0.5288% | 3,561 |
| Noninterest expense to average assets | 2.9654% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0895% | 1,963 |
| Return on assets (ROA) | 1.0923% | 2,033 |
| Pretax return on assets | 1.7022% | 947 |
| Return on Equity (ROE) | 12.8682% | 1,193 |
| Retained earnings to average equity (ytd only) | 12.8682% | 251 |
| Net charge-offs to loans | -0.0519% | 6,345 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5900% | 4,973 |
| Assets per employee ($millions) | 4.4327% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,283 |
| Loan loss allowance to noncurrent loans | 157.2816% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 2.7205% | 1,225 |
| Noncurrent loans to loans | 0.8085% | 3,952 |
| Net loans and leases to total assets | 77.3821% | 904 |
| Net loans and leases to deposits | 87.6132% | 1,508 |
| Net loans and leases to core deposits | 91.0630% | 1,895 |
| Total domestic deposits to total assets | 88.3224% | 1,994 |
| Equity capital to assets | 8.4526% | 5,635 |
| Core capital (leverage) ratio | 8.9801% | 5,036 |
| Tier 1 risk-based capital ratio | 11.7957% | 5,747 |
| Total risk-based capital ratio | 13.0470% | 5,676 |
| Memoranda: | ||
| Average total assets | $92,466,000 | 4,920 |
| Average earning assets | $86,408,000 | 4,869 |
| Average equity | $7,848,800 | 5,383 |
| Average total loans | $69,301,600 | 4,294 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 1,222 |
| Cost of funding earning assets | 0.4432% | 4,351 |
| Net interest margin | 4.4132% | 868 |
| Noninterest income to average assets | 0.1608% | 6,222 |
| Noninterest expense to average assets | 3.2220% | 2,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6906% | 3,908 |
| Return on assets (ROA) | 0.6944% | 4,025 |
| Pretax return on assets | 1.0643% | 3,250 |
| Return on Equity (ROE) | 8.1716% | 3,037 |
| Retained earnings to average equity (ytd only) | 8.1716% | 1,348 |
| Net charge-offs to loans | 0.3397% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.2093% | 3,504 |
| Efficiency ratio | 75.2732% | 2,851 |
| Assets per employee ($millions) | 4.3629% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,200 |
| Loan loss allowance to noncurrent loans | 55.1153% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 3.7666% | 870 |
| Noncurrent loans to loans | 2.0530% | 2,190 |
| Net loans and leases to total assets | 72.9560% | 1,461 |
| Net loans and leases to deposits | 80.1167% | 2,394 |
| Net loans and leases to core deposits | 84.2722% | 2,625 |
| Total domestic deposits to total assets | 91.0621% | 506 |
| Equity capital to assets | 8.4413% | 5,802 |
| Core capital (leverage) ratio | 8.4629% | 5,803 |
| Tier 1 risk-based capital ratio | 12.7805% | 5,271 |
| Total risk-based capital ratio | 14.0311% | 5,208 |
| Memoranda: | ||
| Average total assets | $91,202,500 | 4,998 |
| Average earning assets | $85,135,750 | 4,951 |
| Average equity | $7,750,250 | 5,458 |
| Average total loans | $67,518,250 | 4,388 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 999 |
| Cost of funding earning assets | 0.4746% | 4,150 |
| Net interest margin | 4.4750% | 747 |
| Noninterest income to average assets | 0.1515% | 6,288 |
| Noninterest expense to average assets | 3.1692% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7827% | 3,389 |
| Return on assets (ROA) | 0.7885% | 3,520 |
| Pretax return on assets | 1.1948% | 2,700 |
| Return on Equity (ROE) | 9.2577% | 2,515 |
| Retained earnings to average equity (ytd only) | 9.2577% | 1,045 |
| Net charge-offs to loans | -0.0119% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7685% | 3,346 |
| Assets per employee ($millions) | 4.5706% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,033 |
| Loan loss allowance to noncurrent loans | 69.0896% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 3.6527% | 1,020 |
| Noncurrent loans to loans | 2.0267% | 2,373 |
| Net loans and leases to total assets | 72.4880% | 1,489 |
| Net loans and leases to deposits | 79.2522% | 2,429 |
| Net loans and leases to core deposits | 83.4765% | 2,630 |
| Total domestic deposits to total assets | 91.4649% | 389 |
| Equity capital to assets | 8.4487% | 5,819 |
| Core capital (leverage) ratio | 8.2523% | 5,953 |
| Tier 1 risk-based capital ratio | 12.3963% | 5,574 |
| Total risk-based capital ratio | 13.6492% | 5,520 |
| Memoranda: | ||
| Average total assets | $91,063,000 | 5,035 |
| Average earning assets | $85,542,670 | 4,963 |
| Average equity | $7,755,670 | 5,497 |
| Average total loans | $67,488,330 | 4,399 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 1,890 |
| Cost of funding earning assets | 0.4801% | 4,278 |
| Net interest margin | 4.1018% | 1,458 |
| Noninterest income to average assets | 0.2244% | 5,866 |
| Noninterest expense to average assets | 2.9487% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7570% | 3,393 |
| Return on assets (ROA) | 0.7570% | 3,533 |
| Pretax return on assets | 1.1487% | 2,770 |
| Return on Equity (ROE) | 8.8523% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.8523% | 1,435 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9656% | 3,620 |
| Assets per employee ($millions) | 4.4684% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 4,262 |
| Loan loss allowance to noncurrent loans | 62.4667% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 3.4475% | 1,236 |
| Noncurrent loans to loans | 2.2334% | 2,349 |
| Net loans and leases to total assets | 74.1037% | 1,062 |
| Net loans and leases to deposits | 81.3265% | 1,921 |
| Net loans and leases to core deposits | 85.4913% | 2,160 |
| Total domestic deposits to total assets | 91.1187% | 480 |
| Equity capital to assets | 8.7671% | 5,738 |
| Core capital (leverage) ratio | 8.2575% | 5,867 |
| Tier 1 risk-based capital ratio | 12.4223% | 5,624 |
| Total risk-based capital ratio | 13.6723% | 5,573 |
| Memoranda: | ||
| Average total assets | $90,889,000 | 5,079 |
| Average earning assets | $85,816,500 | 4,991 |
| Average equity | $7,772,000 | 5,555 |
| Average total loans | $67,631,000 | 4,437 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 1,511 |
| Cost of funding earning assets | 0.6287% | 4,109 |
| Net interest margin | 4.3892% | 1,182 |
| Noninterest income to average assets | 0.0964% | 6,525 |
| Noninterest expense to average assets | 2.9057% | 3,609 |
| Loan and lease loss provision to assets | 1.4364% | 227 |
| Net operating income to assets | -0.2378% | 6,400 |
| Return on assets (ROA) | -0.0482% | 6,344 |
| Pretax return on assets | -0.0482% | 6,329 |
| Return on Equity (ROE) | -0.5681% | 6,351 |
| Retained earnings to average equity (ytd only) | -0.5681% | 5,947 |
| Net charge-offs to loans | 2.7134% | 210 |
| Credit loss provision to net charge-offs | 73.4865% | 4,056 |
| Earnings coverage of net charge-offs (x) | 0.6132% | 5,183 |
| Efficiency ratio | 70.7955% | 3,655 |
| Assets per employee ($millions) | 4.6205% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 4,282 |
| Loan loss allowance to noncurrent loans | 140.2695% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 2.3623% | 2,080 |
| Noncurrent loans to loans | 0.9809% | 4,231 |
| Net loans and leases to total assets | 72.6794% | 1,393 |
| Net loans and leases to deposits | 79.3926% | 2,363 |
| Net loans and leases to core deposits | 83.2936% | 2,635 |
| Total domestic deposits to total assets | 91.5442% | 329 |
| Equity capital to assets | 8.3422% | 6,167 |
| Core capital (leverage) ratio | 8.0111% | 6,182 |
| Tier 1 risk-based capital ratio | 11.9812% | 5,804 |
| Total risk-based capital ratio | 13.2350% | 5,752 |
| Memoranda: | ||
| Average total assets | $91,268,600 | 5,042 |
| Average earning assets | $83,340,800 | 5,034 |
| Average equity | $7,744,600 | 5,572 |
| Average total loans | $65,748,400 | 4,517 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 1,548 |
| Cost of funding earning assets | 0.6648% | 4,066 |
| Net interest margin | 4.3891% | 1,226 |
| Noninterest income to average assets | 0.0572% | 6,778 |
| Noninterest expense to average assets | 2.7843% | 4,040 |
| Loan and lease loss provision to assets | 1.9241% | 136 |
| Net operating income to assets | -1.0361% | 6,871 |
| Return on assets (ROA) | -0.7825% | 6,827 |
| Pretax return on assets | -0.4308% | 6,673 |
| Return on Equity (ROE) | -9.1827% | 6,849 |
| Retained earnings to average equity (ytd only) | -9.1827% | 6,797 |
| Net charge-offs to loans | 0.0675% | 4,741 |
| Credit loss provision to net charge-offs | 3,978.7879% | 73 |
| Earnings coverage of net charge-offs (x) | 25.6357% | 1,240 |
| Efficiency ratio | 69.1916% | 3,846 |
| Assets per employee ($millions) | 4.3402% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7743% | 368 |
| Loan loss allowance to noncurrent loans | 98.3187% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 4.7485% | 954 |
| Noncurrent loans to loans | 3.8389% | 1,369 |
| Net loans and leases to total assets | 75.2438% | 1,084 |
| Net loans and leases to deposits | 81.8604% | 2,138 |
| Net loans and leases to core deposits | 85.9885% | 2,466 |
| Total domestic deposits to total assets | 91.9173% | 217 |
| Equity capital to assets | 7.9456% | 6,619 |
| Core capital (leverage) ratio | 7.4234% | 6,655 |
| Tier 1 risk-based capital ratio | 11.0002% | 6,482 |
| Total risk-based capital ratio | 12.2890% | 6,438 |
| Memoranda: | ||
| Average total assets | $90,983,250 | 5,106 |
| Average earning assets | $82,231,750 | 5,113 |
| Average equity | $7,753,500 | 5,625 |
| Average total loans | $65,160,500 | 4,590 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0824% | 1,559 |
| Cost of funding earning assets | 0.7127% | 3,915 |
| Net interest margin | 4.3697% | 1,280 |
| Noninterest income to average assets | 0.1892% | 6,208 |
| Noninterest expense to average assets | 2.7868% | 4,067 |
| Loan and lease loss provision to assets | 0.5609% | 1,091 |
| Net operating income to assets | 0.4959% | 4,834 |
| Return on assets (ROA) | 0.7456% | 3,903 |
| Pretax return on assets | 1.1305% | 3,192 |
| Return on Equity (ROE) | 8.5563% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.5563% | 1,429 |
| Net charge-offs to loans | 0.1046% | 4,126 |
| Credit loss provision to net charge-offs | 772.7273% | 405 |
| Earnings coverage of net charge-offs (x) | 18.0909% | 1,502 |
| Efficiency ratio | 67.9721% | 4,128 |
| Assets per employee ($millions) | 4.8397% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5071% | 1,272 |
| Loan loss allowance to noncurrent loans | 77.2362% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 6.8457% | 580 |
| Noncurrent loans to loans | 3.2460% | 1,794 |
| Net loans and leases to total assets | 69.0164% | 2,099 |
| Net loans and leases to deposits | 75.7092% | 3,028 |
| Net loans and leases to core deposits | 79.5199% | 3,289 |
| Total domestic deposits to total assets | 91.1598% | 400 |
| Equity capital to assets | 8.7325% | 5,990 |
| Core capital (leverage) ratio | 8.3232% | 5,876 |
| Tier 1 risk-based capital ratio | 12.4585% | 5,598 |
| Total risk-based capital ratio | 13.7262% | 5,566 |
| Memoranda: | ||
| Average total assets | $90,929,330 | 5,139 |
| Average earning assets | $81,379,330 | 5,168 |
| Average equity | $7,924,000 | 5,596 |
| Average total loans | $63,123,670 | 4,668 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2746% | 1,157 |
| Cost of funding earning assets | 0.7393% | 3,949 |
| Net interest margin | 4.5353% | 952 |
| Noninterest income to average assets | 0.1681% | 6,377 |
| Noninterest expense to average assets | 2.7384% | 4,287 |
| Loan and lease loss provision to assets | 0.6636% | 810 |
| Net operating income to assets | 0.5353% | 4,670 |
| Return on assets (ROA) | 0.5353% | 4,878 |
| Pretax return on assets | 0.8096% | 4,377 |
| Return on Equity (ROE) | 6.1492% | 4,214 |
| Retained earnings to average equity (ytd only) | 6.1492% | 2,872 |
| Net charge-offs to loans | -0.0451% | 6,493 |
| Credit loss provision to net charge-offs | -2,142.8571% | 6,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0210% | 4,732 |
| Assets per employee ($millions) | 3.9536% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5025% | 1,350 |
| Loan loss allowance to noncurrent loans | 56.0043% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 7.9267% | 487 |
| Noncurrent loans to loans | 4.4684% | 1,314 |
| Net loans and leases to total assets | 67.1384% | 2,270 |
| Net loans and leases to deposits | 73.6566% | 3,171 |
| Net loans and leases to core deposits | 77.4297% | 3,404 |
| Total domestic deposits to total assets | 91.1506% | 493 |
| Equity capital to assets | 8.7526% | 5,803 |
| Core capital (leverage) ratio | 8.3722% | 5,770 |
| Tier 1 risk-based capital ratio | 12.3471% | 5,722 |
| Total risk-based capital ratio | 13.6110% | 5,674 |
| Memoranda: | ||
| Average total assets | $90,416,500 | 5,191 |
| Average earning assets | $80,612,000 | 5,229 |
| Average equity | $7,871,000 | 5,634 |
| Average total loans | $62,137,500 | 4,729 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 2,032 |
| Cost of funding earning assets | 0.9760% | 3,535 |
| Net interest margin | 4.2302% | 1,962 |
| Noninterest income to average assets | 0.1628% | 6,325 |
| Noninterest expense to average assets | 2.9647% | 3,725 |
| Loan and lease loss provision to assets | 2.1092% | 259 |
| Net operating income to assets | -1.1503% | 6,801 |
| Return on assets (ROA) | -1.1261% | 6,820 |
| Pretax return on assets | -1.1217% | 6,782 |
| Return on Equity (ROE) | -13.4943% | 6,849 |
| Retained earnings to average equity (ytd only) | -13.4943% | 6,824 |
| Net charge-offs to loans | 3.1142% | 291 |
| Credit loss provision to net charge-offs | 97.2124% | 3,706 |
| Earnings coverage of net charge-offs (x) | 0.4440% | 5,487 |
| Efficiency ratio | 75.4759% | 2,982 |
| Assets per employee ($millions) | 4.2810% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2868% | 1,638 |
| Loan loss allowance to noncurrent loans | 49.8762% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 8.0578% | 502 |
| Noncurrent loans to loans | 4.5850% | 1,300 |
| Net loans and leases to total assets | 67.0156% | 2,586 |
| Net loans and leases to deposits | 74.0636% | 3,491 |
| Net loans and leases to core deposits | 85.7816% | 2,661 |
| Total domestic deposits to total assets | 90.4839% | 732 |
| Equity capital to assets | 8.6574% | 5,950 |
| Core capital (leverage) ratio | 8.1681% | 6,045 |
| Tier 1 risk-based capital ratio | 12.4865% | 5,463 |
| Total risk-based capital ratio | 13.7502% | 5,432 |
| Memoranda: | ||
| Average total assets | $90,936,200 | 5,157 |
| Average earning assets | $80,942,000 | 5,199 |
| Average equity | $7,588,400 | 5,690 |
| Average total loans | $63,354,800 | 4,733 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 2,128 |
| Cost of funding earning assets | 1.0218% | 3,524 |
| Net interest margin | 4.1988% | 2,105 |
| Noninterest income to average assets | 0.1535% | 6,489 |
| Noninterest expense to average assets | 2.8934% | 3,961 |
| Loan and lease loss provision to assets | 2.4752% | 182 |
| Net operating income to assets | -1.4781% | 7,036 |
| Return on assets (ROA) | -1.4459% | 7,043 |
| Pretax return on assets | -1.4401% | 7,002 |
| Return on Equity (ROE) | -17.4890% | 7,059 |
| Retained earnings to average equity (ytd only) | -17.4890% | 7,041 |
| Net charge-offs to loans | 4.1015% | 159 |
| Credit loss provision to net charge-offs | 86.2895% | 3,909 |
| Earnings coverage of net charge-offs (x) | 0.3496% | 5,347 |
| Efficiency ratio | 74.2589% | 3,132 |
| Assets per employee ($millions) | 4.1511% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9140% | 2,577 |
| Loan loss allowance to noncurrent loans | 43.2501% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 8.1205% | 540 |
| Noncurrent loans to loans | 4.4255% | 1,464 |
| Net loans and leases to total assets | 67.0569% | 2,664 |
| Net loans and leases to deposits | 74.0406% | 3,645 |
| Net loans and leases to core deposits | 77.5835% | 3,966 |
| Total domestic deposits to total assets | 90.5676% | 600 |
| Equity capital to assets | 8.5498% | 6,248 |
| Core capital (leverage) ratio | 8.2231% | 6,107 |
| Tier 1 risk-based capital ratio | 11.9934% | 5,900 |
| Total risk-based capital ratio | 13.2353% | 5,893 |
| Memoranda: | ||
| Average total assets | $91,195,250 | 5,194 |
| Average earning assets | $81,291,000 | 5,233 |
| Average equity | $7,539,750 | 5,736 |
| Average total loans | $63,779,250 | 4,766 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 2,125 |
| Cost of funding earning assets | 1.0634% | 3,522 |
| Net interest margin | 4.1707% | 2,159 |
| Noninterest income to average assets | 0.1295% | 6,676 |
| Noninterest expense to average assets | 3.0082% | 3,612 |
| Loan and lease loss provision to assets | 3.2210% | 131 |
| Net operating income to assets | -2.3653% | 7,251 |
| Return on assets (ROA) | -2.3170% | 7,248 |
| Pretax return on assets | -2.3082% | 7,225 |
| Return on Equity (ROE) | -28.3477% | 7,226 |
| Retained earnings to average equity (ytd only) | -28.3477% | 7,217 |
| Net charge-offs to loans | 5.3528% | 105 |
| Credit loss provision to net charge-offs | 85.3985% | 3,606 |
| Earnings coverage of net charge-offs (x) | 0.2292% | 5,135 |
| Efficiency ratio | 77.6771% | 2,764 |
| Assets per employee ($millions) | 3.9288% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 2,505 |
| Loan loss allowance to noncurrent loans | 46.0516% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 8.2634% | 541 |
| Noncurrent loans to loans | 4.2381% | 1,600 |
| Net loans and leases to total assets | 67.4376% | 2,723 |
| Net loans and leases to deposits | 74.2522% | 3,762 |
| Net loans and leases to core deposits | 77.7340% | 4,084 |
| Total domestic deposits to total assets | 90.8225% | 574 |
| Equity capital to assets | 8.3276% | 6,389 |
| Core capital (leverage) ratio | 8.3457% | 5,795 |
| Tier 1 risk-based capital ratio | 12.4594% | 5,386 |
| Total risk-based capital ratio | 13.7245% | 5,348 |
| Memoranda: | ||
| Average total assets | $91,152,330 | 5,233 |
| Average earning assets | $81,809,330 | 5,267 |
| Average equity | $7,450,330 | 5,787 |
| Average total loans | $64,227,670 | 4,785 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 2,594 |
| Cost of funding earning assets | 1.1384% | 3,239 |
| Net interest margin | 3.9724% | 2,813 |
| Noninterest income to average assets | 0.1617% | 6,572 |
| Noninterest expense to average assets | 3.1022% | 3,234 |
| Loan and lease loss provision to assets | 0.6554% | 1,312 |
| Net operating income to assets | -0.0086% | 6,364 |
| Return on assets (ROA) | 0.0306% | 6,315 |
| Pretax return on assets | 0.0481% | 6,270 |
| Return on Equity (ROE) | 0.3777% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.3777% | 5,661 |
| Net charge-offs to loans | 0.0306% | 4,667 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 840 |
| Efficiency ratio | 82.8471% | 2,104 |
| Assets per employee ($millions) | 3.9323% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4564% | 1,522 |
| Loan loss allowance to noncurrent loans | 25.7275% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 11.1494% | 324 |
| Noncurrent loans to loans | 9.5478% | 439 |
| Net loans and leases to total assets | 70.6437% | 1,996 |
| Net loans and leases to deposits | 77.6682% | 3,119 |
| Net loans and leases to core deposits | 81.4007% | 3,540 |
| Total domestic deposits to total assets | 90.9557% | 648 |
| Equity capital to assets | 8.2007% | 6,278 |
| Core capital (leverage) ratio | 8.2513% | 5,899 |
| Tier 1 risk-based capital ratio | 12.1985% | 5,511 |
| Total risk-based capital ratio | 13.4794% | 5,497 |
| Memoranda: | ||
| Average total assets | $91,547,500 | 5,252 |
| Average earning assets | $82,570,000 | 5,286 |
| Average equity | $7,413,000 | 5,800 |
| Average total loans | $65,266,000 | 4,797 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5000% | 2,281 |
| Cost of funding earning assets | 1.6064% | 2,036 |
| Net interest margin | 3.8935% | 3,521 |
| Noninterest income to average assets | 0.6453% | 3,184 |
| Noninterest expense to average assets | 2.7401% | 4,817 |
| Loan and lease loss provision to assets | 1.2732% | 1,219 |
| Net operating income to assets | 0.0888% | 5,616 |
| Return on assets (ROA) | 0.0928% | 5,745 |
| Pretax return on assets | 0.1763% | 5,539 |
| Return on Equity (ROE) | 1.3686% | 5,599 |
| Retained earnings to average equity (ytd only) | 1.3686% | 4,862 |
| Net charge-offs to loans | 3.4390% | 425 |
| Credit loss provision to net charge-offs | 50.2237% | 6,253 |
| Earnings coverage of net charge-offs (x) | 0.5693% | 5,538 |
| Efficiency ratio | 65.5002% | 5,069 |
| Assets per employee ($millions) | 3.8605% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2513% | 1,773 |
| Loan loss allowance to noncurrent loans | 27.2524% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 10.1532% | 399 |
| Noncurrent loans to loans | 8.2608% | 613 |
| Net loans and leases to total assets | 68.6080% | 2,836 |
| Net loans and leases to deposits | 75.2412% | 3,973 |
| Net loans and leases to core deposits | 81.5210% | 3,973 |
| Total domestic deposits to total assets | 91.1841% | 516 |
| Equity capital to assets | 7.9967% | 6,502 |
| Core capital (leverage) ratio | 8.1042% | 6,004 |
| Tier 1 risk-based capital ratio | 12.0025% | 5,471 |
| Total risk-based capital ratio | 13.2529% | 5,451 |
| Memoranda: | ||
| Average total assets | $97,002,600 | 5,075 |
| Average earning assets | $88,146,000 | 5,076 |
| Average equity | $6,576,200 | 6,176 |
| Average total loans | $71,503,000 | 4,624 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6034% | 2,045 |
| Cost of funding earning assets | 1.6761% | 1,982 |
| Net interest margin | 3.9273% | 3,417 |
| Noninterest income to average assets | 0.7884% | 2,296 |
| Noninterest expense to average assets | 2.5513% | 5,511 |
| Loan and lease loss provision to assets | 1.3728% | 988 |
| Net operating income to assets | 0.2272% | 5,430 |
| Return on assets (ROA) | 0.2324% | 5,574 |
| Pretax return on assets | 0.4458% | 5,095 |
| Return on Equity (ROE) | 3.5802% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.5802% | 3,928 |
| Net charge-offs to loans | 4.4072% | 241 |
| Credit loss provision to net charge-offs | 41.7873% | 5,997 |
| Earnings coverage of net charge-offs (x) | 0.5511% | 5,472 |
| Efficiency ratio | 58.4917% | 6,188 |
| Assets per employee ($millions) | 3.7500% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9244% | 2,416 |
| Loan loss allowance to noncurrent loans | 24.2798% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 10.0320% | 406 |
| Noncurrent loans to loans | 7.9261% | 658 |
| Net loans and leases to total assets | 69.6363% | 2,823 |
| Net loans and leases to deposits | 76.4700% | 4,090 |
| Net loans and leases to core deposits | 82.4605% | 4,175 |
| Total domestic deposits to total assets | 91.0635% | 430 |
| Equity capital to assets | 8.1163% | 6,698 |
| Core capital (leverage) ratio | 7.9952% | 6,350 |
| Tier 1 risk-based capital ratio | 11.9535% | 5,505 |
| Total risk-based capital ratio | 13.2122% | 5,466 |
| Memoranda: | ||
| Average total assets | $98,090,500 | 5,107 |
| Average earning assets | $89,253,750 | 5,100 |
| Average equity | $6,368,000 | 6,329 |
| Average total loans | $73,121,250 | 4,635 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 2,965 |
| Cost of funding earning assets | 1.7541% | 1,844 |
| Net interest margin | 3.6486% | 4,585 |
| Noninterest income to average assets | 1.0870% | 1,131 |
| Noninterest expense to average assets | 2.5659% | 5,469 |
| Loan and lease loss provision to assets | 1.5773% | 833 |
| Net operating income to assets | 0.0924% | 5,885 |
| Return on assets (ROA) | 0.0924% | 6,000 |
| Pretax return on assets | 0.2873% | 5,533 |
| Return on Equity (ROE) | 1.5451% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.5451% | 5,094 |
| Net charge-offs to loans | 4.9398% | 210 |
| Credit loss provision to net charge-offs | 42.2043% | 5,572 |
| Earnings coverage of net charge-offs (x) | 0.4989% | 5,226 |
| Efficiency ratio | 57.9138% | 6,388 |
| Assets per employee ($millions) | 4.2890% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 2,136 |
| Loan loss allowance to noncurrent loans | 26.5924% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 6.6450% | 827 |
| Noncurrent loans to loans | 7.5827% | 702 |
| Net loans and leases to total assets | 71.7718% | 2,465 |
| Net loans and leases to deposits | 76.6881% | 4,204 |
| Net loans and leases to core deposits | 87.5338% | 3,614 |
| Total domestic deposits to total assets | 93.5892% | 93 |
| Equity capital to assets | 6.2993% | 7,500 |
| Core capital (leverage) ratio | 6.2969% | 7,429 |
| Tier 1 risk-based capital ratio | 9.6191% | 7,214 |
| Total risk-based capital ratio | 10.5901% | 7,320 |
| Memoranda: | ||
| Average total assets | $99,537,330 | 5,091 |
| Average earning assets | $91,213,330 | 5,057 |
| Average equity | $5,954,330 | 6,483 |
| Average total loans | $75,306,670 | 4,591 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5839% | 2,226 |
| Cost of funding earning assets | 1.8337% | 1,729 |
| Net interest margin | 3.7502% | 4,009 |
| Noninterest income to average assets | 0.4201% | 4,733 |
| Noninterest expense to average assets | 2.5804% | 5,433 |
| Loan and lease loss provision to assets | 1.2042% | 1,012 |
| Net operating income to assets | 0.0800% | 6,079 |
| Return on assets (ROA) | 0.0800% | 6,189 |
| Pretax return on assets | 0.0800% | 6,190 |
| Return on Equity (ROE) | 1.3735% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.3735% | 5,260 |
| Net charge-offs to loans | 7.8197% | 101 |
| Credit loss provision to net charge-offs | 20.0399% | 4,947 |
| Earnings coverage of net charge-offs (x) | 0.2137% | 4,848 |
| Efficiency ratio | 66.7702% | 4,960 |
| Assets per employee ($millions) | 4.0107% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 2,223 |
| Loan loss allowance to noncurrent loans | 21.4461% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 8.0893% | 607 |
| Noncurrent loans to loans | 9.2604% | 504 |
| Net loans and leases to total assets | 73.1420% | 2,168 |
| Net loans and leases to deposits | 79.0297% | 3,832 |
| Net loans and leases to core deposits | 87.7448% | 3,651 |
| Total domestic deposits to total assets | 92.5500% | 163 |
| Equity capital to assets | 5.8533% | 7,639 |
| Core capital (leverage) ratio | 6.0835% | 7,567 |
| Tier 1 risk-based capital ratio | 8.8193% | 7,515 |
| Total risk-based capital ratio | 10.0809% | 7,532 |
| Memoranda: | ||
| Average total assets | $99,983,000 | 5,147 |
| Average earning assets | $91,836,000 | 5,107 |
| Average equity | $5,824,500 | 6,579 |
| Average total loans | $76,831,500 | 4,614 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 3,692 |
| Cost of funding earning assets | 2.4680% | 1,096 |
| Net interest margin | 3.1142% | 6,332 |
| Noninterest income to average assets | 0.2633% | 6,234 |
| Noninterest expense to average assets | 2.6750% | 5,501 |
| Loan and lease loss provision to assets | 2.7096% | 694 |
| Net operating income to assets | -1.5996% | 6,903 |
| Return on assets (ROA) | -1.5980% | 6,906 |
| Pretax return on assets | -2.2633% | 7,045 |
| Return on Equity (ROE) | -23.1671% | 7,238 |
| Retained earnings to average equity (ytd only) | -23.3712% | 7,214 |
| Net charge-offs to loans | 0.5601% | 3,540 |
| Credit loss provision to net charge-offs | 584.3458% | 513 |
| Earnings coverage of net charge-offs (x) | 0.9579% | 5,155 |
| Efficiency ratio | 85.7589% | 2,142 |
| Assets per employee ($millions) | 4.3347% | 3,218 |
| Cash dividends to net income (ytd only)* | -0.8814% | 7,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4082% | 572 |
| Loan loss allowance to noncurrent loans | 25.6369% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 11.2700% | 286 |
| Noncurrent loans to loans | 13.2942% | 227 |
| Net loans and leases to total assets | 76.3827% | 1,716 |
| Net loans and leases to deposits | 82.5093% | 3,542 |
| Net loans and leases to core deposits | 101.0711% | 3,894 |
| Total domestic deposits to total assets | 92.5746% | 168 |
| Equity capital to assets | 5.7975% | 7,692 |
| Core capital (leverage) ratio | 5.9273% | 7,647 |
| Tier 1 risk-based capital ratio | 8.6003% | 7,572 |
| Total risk-based capital ratio | 9.8966% | 7,595 |
| Memoranda: | ||
| Average total assets | $92,300,000 | 5,320 |
| Average earning assets | $84,643,600 | 5,310 |
| Average equity | $6,366,800 | 6,476 |
| Average total loans | $76,414,800 | 4,638 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7743% | 3,008 |
| Cost of funding earning assets | 2.5497% | 1,156 |
| Net interest margin | 3.2245% | 5,935 |
| Noninterest income to average assets | 0.2757% | 6,262 |
| Noninterest expense to average assets | 2.7462% | 5,121 |
| Loan and lease loss provision to assets | 2.4322% | 691 |
| Net operating income to assets | -1.3267% | 7,023 |
| Return on assets (ROA) | -1.3267% | 7,023 |
| Pretax return on assets | -1.9443% | 7,151 |
| Return on Equity (ROE) | -18.4228% | 7,321 |
| Retained earnings to average equity (ytd only) | -18.6889% | 7,295 |
| Net charge-offs to loans | 0.1618% | 5,096 |
| Credit loss provision to net charge-offs | 1,793.4783% | 219 |
| Earnings coverage of net charge-offs (x) | 3.5979% | 3,467 |
| Efficiency ratio | 84.9134% | 2,195 |
| Assets per employee ($millions) | 4.0501% | 3,636 |
| Cash dividends to net income (ytd only)* | -1.4442% | 7,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7428% | 842 |
| Loan loss allowance to noncurrent loans | 23.4405% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 9.8881% | 349 |
| Noncurrent loans to loans | 11.7010% | 290 |
| Net loans and leases to total assets | 76.0649% | 1,985 |
| Net loans and leases to deposits | 82.6817% | 3,894 |
| Net loans and leases to core deposits | 103.5258% | 3,991 |
| Total domestic deposits to total assets | 91.9973% | 177 |
| Equity capital to assets | 6.1371% | 7,828 |
| Core capital (leverage) ratio | 6.1642% | 7,772 |
| Tier 1 risk-based capital ratio | 8.8590% | 7,665 |
| Total risk-based capital ratio | 10.1291% | 7,682 |
| Memoranda: | ||
| Average total assets | $90,450,500 | 5,413 |
| Average earning assets | $82,986,750 | 5,399 |
| Average equity | $6,513,500 | 6,479 |
| Average total loans | $75,808,750 | 4,704 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1285% | 1,695 |
| Cost of funding earning assets | 2.5805% | 1,343 |
| Net interest margin | 3.5479% | 4,583 |
| Noninterest income to average assets | 0.2925% | 6,176 |
| Noninterest expense to average assets | 2.8739% | 4,604 |
| Loan and lease loss provision to assets | 0.3454% | 3,856 |
| Net operating income to assets | 0.2326% | 5,152 |
| Return on assets (ROA) | 0.2326% | 5,239 |
| Pretax return on assets | 0.3247% | 5,150 |
| Return on Equity (ROE) | 3.0544% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.0544% | 3,615 |
| Net charge-offs to loans | 0.0214% | 6,203 |
| Credit loss provision to net charge-offs | 1,875.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 36.3750% | 870 |
| Efficiency ratio | 81.0916% | 2,868 |
| Assets per employee ($millions) | 3.8249% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 6,412 |
| Loan loss allowance to noncurrent loans | 13.9047% | 7,403 |
| Noncurrent assets plus other real estate owned to assets | 6.2956% | 751 |
| Noncurrent loans to loans | 7.0214% | 694 |
| Net loans and leases to total assets | 80.1897% | 1,279 |
| Net loans and leases to deposits | 88.4867% | 3,091 |
| Net loans and leases to core deposits | 113.6069% | 2,959 |
| Total domestic deposits to total assets | 90.6235% | 584 |
| Equity capital to assets | 7.3111% | 7,408 |
| Core capital (leverage) ratio | 7.9242% | 6,449 |
| Tier 1 risk-based capital ratio | 9.5129% | 7,377 |
| Total risk-based capital ratio | 10.5424% | 7,533 |
| Memoranda: | ||
| Average total assets | $86,849,670 | 5,560 |
| Average earning assets | $79,595,670 | 5,545 |
| Average equity | $6,613,330 | 6,494 |
| Average total loans | $74,681,670 | 4,784 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4402% | 972 |
| Cost of funding earning assets | 2.7033% | 1,262 |
| Net interest margin | 3.7369% | 3,730 |
| Noninterest income to average assets | 0.2765% | 6,212 |
| Noninterest expense to average assets | 2.8037% | 4,548 |
| Loan and lease loss provision to assets | 0.3638% | 3,141 |
| Net operating income to assets | 0.3686% | 4,979 |
| Return on assets (ROA) | 0.3686% | 5,163 |
| Pretax return on assets | 0.5287% | 4,985 |
| Return on Equity (ROE) | 4.7319% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.7319% | 3,277 |
| Net charge-offs to loans | 0.0055% | 5,617 |
| Credit loss provision to net charge-offs | 7,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 234 |
| Efficiency ratio | 75.8530% | 3,516 |
| Assets per employee ($millions) | 3.4092% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 6,635 |
| Loan loss allowance to noncurrent loans | 30.7417% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 3.3873% | 1,608 |
| Noncurrent loans to loans | 3.0083% | 2,172 |
| Net loans and leases to total assets | 86.4800% | 385 |
| Net loans and leases to deposits | 97.8831% | 1,682 |
| Net loans and leases to core deposits | 125.8748% | 1,923 |
| Total domestic deposits to total assets | 88.3502% | 1,551 |
| Equity capital to assets | 7.5843% | 7,278 |
| Core capital (leverage) ratio | 7.8806% | 6,651 |
| Tier 1 risk-based capital ratio | 9.4471% | 7,471 |
| Total risk-based capital ratio | 10.4531% | 7,656 |
| Memoranda: | ||
| Average total assets | $82,463,500 | 5,724 |
| Average earning assets | $75,463,000 | 5,716 |
| Average equity | $6,424,500 | 6,605 |
| Average total loans | $73,305,000 | 4,860 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5795% | 352 |
| Cost of funding earning assets | 3.0218% | 1,795 |
| Net interest margin | 4.5578% | 1,290 |
| Noninterest income to average assets | 0.3654% | 5,790 |
| Noninterest expense to average assets | 2.9958% | 4,095 |
| Loan and lease loss provision to assets | 0.4493% | 3,044 |
| Net operating income to assets | 0.7266% | 3,770 |
| Return on assets (ROA) | 0.7266% | 3,607 |
| Pretax return on assets | 1.0422% | 3,232 |
| Return on Equity (ROE) | 8.7374% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.7374% | 646 |
| Net charge-offs to loans | 0.5144% | 2,298 |
| Credit loss provision to net charge-offs | 98.4424% | 5,433 |
| Earnings coverage of net charge-offs (x) | 3.2679% | 4,456 |
| Efficiency ratio | 66.7617% | 4,956 |
| Assets per employee ($millions) | 3.1879% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 6,902 |
| Loan loss allowance to noncurrent loans | 40.6085% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 2.7115% | 1,740 |
| Noncurrent loans to loans | 2.0937% | 2,635 |
| Net loans and leases to total assets | 89.8417% | 207 |
| Net loans and leases to deposits | 108.0084% | 975 |
| Net loans and leases to core deposits | 154.9391% | 684 |
| Total domestic deposits to total assets | 83.1803% | 3,694 |
| Equity capital to assets | 8.0115% | 6,828 |
| Core capital (leverage) ratio | 9.0027% | 4,739 |
| Tier 1 risk-based capital ratio | 9.8497% | 6,905 |
| Total risk-based capital ratio | 10.7969% | 7,173 |
| Memoranda: | ||
| Average total assets | $70,330,800 | 6,031 |
| Average earning assets | $63,605,400 | 6,033 |
| Average equity | $5,848,400 | 6,859 |
| Average total loans | $62,398,600 | 5,159 |