Home > Washington Federal Bank For Savings > Performance and Condition Ratios
Washington Federal Bank For Savings, Performance and Condition Ratios
| 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 | 5.6271% | 212 |
| Cost of funding earning assets | 1.0614% | 143 |
| Net interest margin | 4.5656% | 522 |
| Noninterest income to average assets | 0.0922% | 5,502 |
| Noninterest expense to average assets | 2.0532% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4394% | 1,008 |
| Return on assets (ROA) | 1.4394% | 1,023 |
| Pretax return on assets | 2.3547% | 273 |
| Return on Equity (ROE) | 11.4555% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.4555% | 349 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5800% | 5,400 |
| Assets per employee ($millions) | 10.3966% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4296% | 5,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.7903% | 727 |
| Net loans and leases to deposits | 94.5056% | 1,242 |
| Net loans and leases to core deposits | 114.2677% | 824 |
| Total domestic deposits to total assets | 86.5454% | 2,078 |
| Equity capital to assets | 12.6586% | 1,572 |
| Core capital (leverage) ratio | 12.6356% | 1,365 |
| Tier 1 risk-based capital ratio | 24.7440% | 782 |
| Total risk-based capital ratio | 25.4503% | 810 |
| Memoranda: | ||
| Average total assets | $160,523,250 | 3,369 |
| Average earning assets | $151,738,750 | 3,333 |
| Average equity | $20,170,250 | 3,146 |
| Average total loans | $132,094,000 | 2,912 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5549% | 228 |
| Cost of funding earning assets | 1.0361% | 139 |
| Net interest margin | 4.5188% | 546 |
| Noninterest income to average assets | 0.0971% | 5,527 |
| Noninterest expense to average assets | 2.0658% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4125% | 1,037 |
| Return on assets (ROA) | 1.4125% | 1,061 |
| Pretax return on assets | 2.3105% | 290 |
| Return on Equity (ROE) | 11.2706% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.2706% | 404 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2046% | 5,429 |
| Assets per employee ($millions) | 10.1779% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4402% | 5,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.5255% | 740 |
| Net loans and leases to deposits | 94.2543% | 1,236 |
| Net loans and leases to core deposits | 113.3828% | 828 |
| Total domestic deposits to total assets | 86.4952% | 2,166 |
| Equity capital to assets | 12.5542% | 1,593 |
| Core capital (leverage) ratio | 12.3494% | 1,443 |
| Tier 1 risk-based capital ratio | 24.7399% | 778 |
| Total risk-based capital ratio | 25.4678% | 805 |
| Memoranda: | ||
| Average total assets | $158,582,670 | 3,408 |
| Average earning assets | $150,173,330 | 3,366 |
| Average equity | $19,874,670 | 3,173 |
| Average total loans | $130,578,330 | 2,940 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 210 |
| Cost of funding earning assets | 1.0102% | 158 |
| Net interest margin | 4.5551% | 472 |
| Noninterest income to average assets | 0.1023% | 5,584 |
| Noninterest expense to average assets | 2.2013% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3602% | 1,090 |
| Return on assets (ROA) | 1.3602% | 1,127 |
| Pretax return on assets | 2.2243% | 342 |
| Return on Equity (ROE) | 10.8627% | 1,617 |
| Retained earnings to average equity (ytd only) | 10.8627% | 630 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7400% | 5,391 |
| Assets per employee ($millions) | 9.2938% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 5,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 82.3949% | 529 |
| Net loans and leases to deposits | 95.0739% | 1,004 |
| Net loans and leases to core deposits | 114.0021% | 673 |
| Total domestic deposits to total assets | 86.6641% | 2,367 |
| Equity capital to assets | 12.5676% | 1,487 |
| Core capital (leverage) ratio | 12.4541% | 1,360 |
| Tier 1 risk-based capital ratio | 24.7245% | 803 |
| Total risk-based capital ratio | 25.4664% | 827 |
| Memoranda: | ||
| Average total assets | $156,451,000 | 3,465 |
| Average earning assets | $148,491,500 | 3,419 |
| Average equity | $19,590,000 | 3,220 |
| Average total loans | $129,193,500 | 2,976 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5802% | 224 |
| Cost of funding earning assets | 1.0006% | 172 |
| Net interest margin | 4.5796% | 525 |
| Noninterest income to average assets | 0.1344% | 5,516 |
| Noninterest expense to average assets | 2.0715% | 5,046 |
| Loan and lease loss provision to assets | 0.0154% | 4,064 |
| Net operating income to assets | 1.5161% | 805 |
| Return on assets (ROA) | 1.5161% | 832 |
| Pretax return on assets | 2.3737% | 244 |
| Return on Equity (ROE) | 12.3963% | 1,145 |
| Retained earnings to average equity (ytd only) | 12.3963% | 197 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4409% | 5,628 |
| Assets per employee ($millions) | 9.1122% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4600% | 5,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 82.0061% | 609 |
| Net loans and leases to deposits | 94.6355% | 1,125 |
| Net loans and leases to core deposits | 112.3956% | 761 |
| Total domestic deposits to total assets | 86.6547% | 2,310 |
| Equity capital to assets | 12.4745% | 1,541 |
| Core capital (leverage) ratio | 12.3512% | 1,403 |
| Tier 1 risk-based capital ratio | 24.4794% | 819 |
| Total risk-based capital ratio | 25.2349% | 849 |
| Memoranda: | ||
| Average total assets | $149,599,000 | 3,529 |
| Average earning assets | $141,321,000 | 3,481 |
| Average equity | $18,295,800 | 3,374 |
| Average total loans | $124,300,800 | 3,003 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6252% | 211 |
| Cost of funding earning assets | 0.9914% | 179 |
| Net interest margin | 4.6338% | 478 |
| Noninterest income to average assets | 0.1097% | 5,675 |
| Noninterest expense to average assets | 2.0826% | 5,039 |
| Loan and lease loss provision to assets | 0.0207% | 3,821 |
| Net operating income to assets | 1.5269% | 832 |
| Return on assets (ROA) | 1.5269% | 880 |
| Pretax return on assets | 2.3776% | 263 |
| Return on Equity (ROE) | 12.5504% | 1,158 |
| Retained earnings to average equity (ytd only) | 12.5504% | 245 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4780% | 5,650 |
| Assets per employee ($millions) | 8.9894% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4638% | 5,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 82.4283% | 560 |
| Net loans and leases to deposits | 94.8697% | 1,162 |
| Net loans and leases to core deposits | 112.4555% | 786 |
| Total domestic deposits to total assets | 86.8859% | 1,939 |
| Equity capital to assets | 12.3374% | 1,873 |
| Core capital (leverage) ratio | 12.2185% | 1,532 |
| Tier 1 risk-based capital ratio | 24.2172% | 885 |
| Total risk-based capital ratio | 24.9837% | 909 |
| Memoranda: | ||
| Average total assets | $148,271,750 | 3,568 |
| Average earning assets | $139,867,250 | 3,516 |
| Average equity | $18,038,750 | 3,425 |
| Average total loans | $123,470,750 | 3,022 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6705% | 197 |
| Cost of funding earning assets | 0.9839% | 182 |
| Net interest margin | 4.6866% | 428 |
| Noninterest income to average assets | 0.1131% | 5,729 |
| Noninterest expense to average assets | 2.0210% | 5,229 |
| Loan and lease loss provision to assets | 0.0218% | 3,692 |
| Net operating income to assets | 1.6286% | 674 |
| Return on assets (ROA) | 1.6286% | 719 |
| Pretax return on assets | 2.4844% | 224 |
| Return on Equity (ROE) | 13.4519% | 936 |
| Retained earnings to average equity (ytd only) | 13.4519% | 217 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6418% | 5,803 |
| Assets per employee ($millions) | 8.8310% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4702% | 5,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 81.7714% | 652 |
| Net loans and leases to deposits | 94.1527% | 1,278 |
| Net loans and leases to core deposits | 110.4135% | 910 |
| Total domestic deposits to total assets | 86.8498% | 1,989 |
| Equity capital to assets | 12.2237% | 1,959 |
| Core capital (leverage) ratio | 12.0876% | 1,568 |
| Tier 1 risk-based capital ratio | 24.4178% | 861 |
| Total risk-based capital ratio | 25.2031% | 891 |
| Memoranda: | ||
| Average total assets | $146,755,670 | 3,603 |
| Average earning assets | $138,224,330 | 3,561 |
| Average equity | $17,767,000 | 3,477 |
| Average total loans | $122,443,000 | 3,043 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 550 |
| Cost of funding earning assets | 0.9725% | 199 |
| Net interest margin | 4.0542% | 1,463 |
| Noninterest income to average assets | 0.1130% | 5,781 |
| Noninterest expense to average assets | 1.9673% | 5,402 |
| Loan and lease loss provision to assets | 0.0083% | 3,578 |
| Net operating income to assets | 1.1986% | 1,568 |
| Return on assets (ROA) | 1.1986% | 1,668 |
| Pretax return on assets | 1.9508% | 625 |
| Return on Equity (ROE) | 9.8996% | 2,024 |
| Retained earnings to average equity (ytd only) | 9.8996% | 866 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1053% | 5,621 |
| Assets per employee ($millions) | 8.6242% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4624% | 5,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 83.2414% | 433 |
| Net loans and leases to deposits | 95.5663% | 982 |
| Net loans and leases to core deposits | 112.4791% | 731 |
| Total domestic deposits to total assets | 87.1033% | 2,160 |
| Equity capital to assets | 12.1369% | 1,934 |
| Core capital (leverage) ratio | 11.9975% | 1,605 |
| Tier 1 risk-based capital ratio | 23.6588% | 952 |
| Total risk-based capital ratio | 24.4266% | 984 |
| Memoranda: | ||
| Average total assets | $145,171,500 | 3,652 |
| Average earning assets | $136,550,000 | 3,604 |
| Average equity | $17,576,500 | 3,502 |
| Average total loans | $122,095,500 | 3,054 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8148% | 168 |
| Cost of funding earning assets | 0.9521% | 216 |
| Net interest margin | 4.8627% | 318 |
| Noninterest income to average assets | 0.1418% | 5,703 |
| Noninterest expense to average assets | 2.2214% | 5,002 |
| Loan and lease loss provision to assets | 0.0123% | 4,164 |
| Net operating income to assets | 1.5205% | 828 |
| Return on assets (ROA) | 1.5205% | 864 |
| Pretax return on assets | 2.4782% | 217 |
| Return on Equity (ROE) | 12.9303% | 1,073 |
| Retained earnings to average equity (ytd only) | 12.9303% | 206 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1446% | 5,874 |
| Assets per employee ($millions) | 8.4548% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4639% | 5,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.1977% | 373 |
| Net loans and leases to deposits | 96.7069% | 938 |
| Net loans and leases to core deposits | 114.4204% | 664 |
| Total domestic deposits to total assets | 87.0648% | 2,098 |
| Equity capital to assets | 12.0773% | 1,901 |
| Core capital (leverage) ratio | 11.9811% | 1,629 |
| Tier 1 risk-based capital ratio | 23.2345% | 987 |
| Total risk-based capital ratio | 24.0029% | 1,031 |
| Memoranda: | ||
| Average total assets | $138,244,800 | 3,748 |
| Average earning assets | $129,927,000 | 3,705 |
| Average equity | $16,256,400 | 3,637 |
| Average total loans | $117,017,600 | 3,093 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8193% | 169 |
| Cost of funding earning assets | 0.9391% | 238 |
| Net interest margin | 4.8802% | 320 |
| Noninterest income to average assets | 0.1159% | 5,894 |
| Noninterest expense to average assets | 2.1664% | 5,135 |
| Loan and lease loss provision to assets | 0.0166% | 3,942 |
| Net operating income to assets | 1.5313% | 877 |
| Return on assets (ROA) | 1.5313% | 914 |
| Pretax return on assets | 2.5191% | 233 |
| Return on Equity (ROE) | 13.1155% | 1,097 |
| Retained earnings to average equity (ytd only) | 13.1155% | 269 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0742% | 5,960 |
| Assets per employee ($millions) | 8.1390% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 6,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 85.8069% | 242 |
| Net loans and leases to deposits | 98.5793% | 768 |
| Net loans and leases to core deposits | 112.9628% | 709 |
| Total domestic deposits to total assets | 87.0435% | 2,019 |
| Equity capital to assets | 12.1622% | 1,990 |
| Core capital (leverage) ratio | 11.8918% | 1,750 |
| Tier 1 risk-based capital ratio | 23.0185% | 1,050 |
| Total risk-based capital ratio | 23.8045% | 1,094 |
| Memoranda: | ||
| Average total assets | $136,873,000 | 3,808 |
| Average earning assets | $128,626,250 | 3,762 |
| Average equity | $15,980,750 | 3,715 |
| Average total loans | $115,876,250 | 3,137 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6414% | 214 |
| Cost of funding earning assets | 0.9382% | 238 |
| Net interest margin | 4.7033% | 443 |
| Noninterest income to average assets | 0.1144% | 5,975 |
| Noninterest expense to average assets | 2.2365% | 5,014 |
| Loan and lease loss provision to assets | 0.0249% | 3,638 |
| Net operating income to assets | 1.3551% | 1,182 |
| Return on assets (ROA) | 1.3551% | 1,226 |
| Pretax return on assets | 2.2643% | 366 |
| Return on Equity (ROE) | 11.7720% | 1,441 |
| Retained earnings to average equity (ytd only) | 11.7720% | 418 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4167% | 5,879 |
| Assets per employee ($millions) | 8.0925% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4826% | 6,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 84.5333% | 336 |
| Net loans and leases to deposits | 96.9804% | 873 |
| Net loans and leases to core deposits | 110.9410% | 787 |
| Total domestic deposits to total assets | 87.1654% | 2,073 |
| Equity capital to assets | 11.7610% | 2,191 |
| Core capital (leverage) ratio | 11.5117% | 1,982 |
| Tier 1 risk-based capital ratio | 22.4290% | 1,145 |
| Total risk-based capital ratio | 23.2264% | 1,192 |
| Memoranda: | ||
| Average total assets | $136,376,330 | 3,845 |
| Average earning assets | $127,910,670 | 3,801 |
| Average equity | $15,698,330 | 3,776 |
| Average total loans | $114,738,670 | 3,172 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5341% | 244 |
| Cost of funding earning assets | 0.9407% | 235 |
| Net interest margin | 4.5934% | 507 |
| Noninterest income to average assets | 0.1090% | 6,040 |
| Noninterest expense to average assets | 2.3804% | 4,651 |
| Loan and lease loss provision to assets | 0.0501% | 2,931 |
| Net operating income to assets | 1.1872% | 1,588 |
| Return on assets (ROA) | 1.1872% | 1,685 |
| Pretax return on assets | 1.9797% | 612 |
| Return on Equity (ROE) | 10.4286% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.4286% | 822 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9746% | 5,681 |
| Assets per employee ($millions) | 8.5305% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4892% | 6,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 84.0513% | 304 |
| Net loans and leases to deposits | 95.7636% | 844 |
| Net loans and leases to core deposits | 109.9493% | 751 |
| Total domestic deposits to total assets | 87.7696% | 1,950 |
| Equity capital to assets | 11.4728% | 2,487 |
| Core capital (leverage) ratio | 11.2774% | 2,172 |
| Tier 1 risk-based capital ratio | 22.1552% | 1,213 |
| Total risk-based capital ratio | 22.9597% | 1,260 |
| Memoranda: | ||
| Average total assets | $135,778,000 | 3,882 |
| Average earning assets | $127,140,000 | 3,844 |
| Average equity | $15,457,500 | 3,842 |
| Average total loans | $113,678,500 | 3,203 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6901% | 228 |
| Cost of funding earning assets | 0.8955% | 400 |
| Net interest margin | 4.7946% | 440 |
| Noninterest income to average assets | 0.1340% | 6,021 |
| Noninterest expense to average assets | 2.1116% | 5,545 |
| Loan and lease loss provision to assets | 0.0100% | 4,428 |
| Net operating income to assets | 1.5167% | 848 |
| Return on assets (ROA) | 1.5167% | 881 |
| Pretax return on assets | 2.5296% | 176 |
| Return on Equity (ROE) | 13.7654% | 977 |
| Retained earnings to average equity (ytd only) | 13.7654% | 190 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3992% | 6,287 |
| Assets per employee ($millions) | 8.4418% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4881% | 6,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 82.5703% | 470 |
| Net loans and leases to deposits | 93.7201% | 1,107 |
| Net loans and leases to core deposits | 107.9120% | 897 |
| Total domestic deposits to total assets | 88.1030% | 1,720 |
| Equity capital to assets | 11.2951% | 2,606 |
| Core capital (leverage) ratio | 11.2951% | 2,138 |
| Tier 1 risk-based capital ratio | 22.4317% | 1,158 |
| Total risk-based capital ratio | 22.9154% | 1,255 |
| Memoranda: | ||
| Average total assets | $130,612,400 | 3,960 |
| Average earning assets | $123,056,200 | 3,901 |
| Average equity | $14,391,200 | 3,961 |
| Average total loans | $110,946,800 | 3,198 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 220 |
| Cost of funding earning assets | 0.8820% | 466 |
| Net interest margin | 4.8394% | 393 |
| Noninterest income to average assets | 0.0999% | 6,250 |
| Noninterest expense to average assets | 2.0808% | 5,619 |
| Loan and lease loss provision to assets | 0.0134% | 4,150 |
| Net operating income to assets | 1.5300% | 879 |
| Return on assets (ROA) | 1.5300% | 915 |
| Pretax return on assets | 2.5760% | 186 |
| Return on Equity (ROE) | 13.9773% | 991 |
| Retained earnings to average equity (ytd only) | 13.9773% | 253 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5547% | 6,345 |
| Assets per employee ($millions) | 8.8057% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4849% | 6,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 84.9848% | 261 |
| Net loans and leases to deposits | 96.4398% | 846 |
| Net loans and leases to core deposits | 110.2303% | 738 |
| Total domestic deposits to total assets | 88.1221% | 1,704 |
| Equity capital to assets | 11.1753% | 2,792 |
| Core capital (leverage) ratio | 11.1753% | 2,331 |
| Tier 1 risk-based capital ratio | 21.4946% | 1,348 |
| Total risk-based capital ratio | 21.9737% | 1,473 |
| Memoranda: | ||
| Average total assets | $129,498,500 | 4,017 |
| Average earning assets | $122,299,750 | 3,940 |
| Average equity | $14,175,000 | 4,020 |
| Average total loans | $110,665,250 | 3,221 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7788% | 192 |
| Cost of funding earning assets | 0.8662% | 512 |
| Net interest margin | 4.9126% | 341 |
| Noninterest income to average assets | 0.0948% | 6,302 |
| Noninterest expense to average assets | 2.1176% | 5,591 |
| Loan and lease loss provision to assets | 0.0202% | 3,867 |
| Net operating income to assets | 1.5439% | 804 |
| Return on assets (ROA) | 1.5439% | 838 |
| Pretax return on assets | 2.6042% | 178 |
| Return on Equity (ROE) | 14.2063% | 916 |
| Retained earnings to average equity (ytd only) | 14.2063% | 249 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6557% | 6,403 |
| Assets per employee ($millions) | 8.1489% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4954% | 6,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 84.2624% | 281 |
| Net loans and leases to deposits | 95.6378% | 827 |
| Net loans and leases to core deposits | 108.0882% | 764 |
| Total domestic deposits to total assets | 88.1057% | 1,844 |
| Equity capital to assets | 10.9440% | 2,932 |
| Core capital (leverage) ratio | 10.9440% | 2,473 |
| Tier 1 risk-based capital ratio | 21.5099% | 1,344 |
| Total risk-based capital ratio | 22.0058% | 1,481 |
| Memoranda: | ||
| Average total assets | $128,636,000 | 4,062 |
| Average earning assets | $121,686,670 | 3,975 |
| Average equity | $13,979,670 | 4,049 |
| Average total loans | $109,953,670 | 3,247 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 171 |
| Cost of funding earning assets | 0.8573% | 569 |
| Net interest margin | 5.0116% | 265 |
| Noninterest income to average assets | 0.1064% | 6,311 |
| Noninterest expense to average assets | 2.0601% | 5,765 |
| Loan and lease loss provision to assets | 0.0407% | 3,271 |
| Net operating income to assets | 1.6280% | 643 |
| Return on assets (ROA) | 1.6280% | 667 |
| Pretax return on assets | 2.7457% | 172 |
| Return on Equity (ROE) | 15.0343% | 768 |
| Retained earnings to average equity (ytd only) | 15.0343% | 315 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5065% | 6,534 |
| Assets per employee ($millions) | 8.1205% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4947% | 6,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 84.6861% | 202 |
| Net loans and leases to deposits | 95.6392% | 679 |
| Net loans and leases to core deposits | 107.9529% | 679 |
| Total domestic deposits to total assets | 88.5475% | 1,914 |
| Equity capital to assets | 10.8483% | 2,882 |
| Core capital (leverage) ratio | 10.8483% | 2,543 |
| Tier 1 risk-based capital ratio | 21.5283% | 1,368 |
| Total risk-based capital ratio | 22.0308% | 1,491 |
| Memoranda: | ||
| Average total assets | $127,763,000 | 4,113 |
| Average earning assets | $120,839,500 | 4,026 |
| Average equity | $13,835,000 | 4,077 |
| Average total loans | $109,725,500 | 3,267 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 237 |
| Cost of funding earning assets | 0.9173% | 674 |
| Net interest margin | 4.8536% | 391 |
| Noninterest income to average assets | 0.1368% | 6,253 |
| Noninterest expense to average assets | 2.2186% | 5,582 |
| Loan and lease loss provision to assets | 0.0121% | 4,882 |
| Net operating income to assets | 1.4732% | 869 |
| Return on assets (ROA) | 1.4732% | 922 |
| Pretax return on assets | 2.4671% | 208 |
| Return on Equity (ROE) | 14.3837% | 874 |
| Retained earnings to average equity (ytd only) | 14.3837% | 188 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2261% | 6,513 |
| Assets per employee ($millions) | 7.8499% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4905% | 6,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 86.2585% | 142 |
| Net loans and leases to deposits | 97.3746% | 634 |
| Net loans and leases to core deposits | 108.5572% | 668 |
| Total domestic deposits to total assets | 88.5842% | 1,865 |
| Equity capital to assets | 10.8083% | 2,809 |
| Core capital (leverage) ratio | 10.8083% | 2,568 |
| Tier 1 risk-based capital ratio | 21.1590% | 1,392 |
| Total risk-based capital ratio | 21.6516% | 1,530 |
| Memoranda: | ||
| Average total assets | $123,543,600 | 4,195 |
| Average earning assets | $116,100,400 | 4,129 |
| Average equity | $12,653,200 | 4,323 |
| Average total loans | $105,337,000 | 3,333 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7948% | 240 |
| Cost of funding earning assets | 0.9308% | 703 |
| Net interest margin | 4.8640% | 386 |
| Noninterest income to average assets | 0.1116% | 6,446 |
| Noninterest expense to average assets | 2.1707% | 5,681 |
| Loan and lease loss provision to assets | 0.0163% | 4,687 |
| Net operating income to assets | 1.4598% | 966 |
| Return on assets (ROA) | 1.4598% | 1,017 |
| Pretax return on assets | 2.4893% | 247 |
| Return on Equity (ROE) | 14.4570% | 896 |
| Retained earnings to average equity (ytd only) | 14.4570% | 230 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4195% | 6,572 |
| Assets per employee ($millions) | 7.3882% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4989% | 6,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 84.7961% | 198 |
| Net loans and leases to deposits | 95.3124% | 742 |
| Net loans and leases to core deposits | 105.6598% | 779 |
| Total domestic deposits to total assets | 88.9665% | 1,570 |
| Equity capital to assets | 10.4324% | 3,359 |
| Core capital (leverage) ratio | 10.4324% | 3,085 |
| Tier 1 risk-based capital ratio | 20.7743% | 1,537 |
| Total risk-based capital ratio | 21.2516% | 1,712 |
| Memoranda: | ||
| Average total assets | $123,030,000 | 4,249 |
| Average earning assets | $115,457,750 | 4,190 |
| Average equity | $12,422,750 | 4,413 |
| Average total loans | $104,453,000 | 3,378 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8164% | 233 |
| Cost of funding earning assets | 0.9540% | 701 |
| Net interest margin | 4.8624% | 391 |
| Noninterest income to average assets | 0.1162% | 6,471 |
| Noninterest expense to average assets | 2.2165% | 5,589 |
| Loan and lease loss provision to assets | 0.0246% | 4,428 |
| Net operating income to assets | 1.4340% | 1,012 |
| Return on assets (ROA) | 1.4340% | 1,099 |
| Pretax return on assets | 2.4392% | 294 |
| Return on Equity (ROE) | 14.3654% | 933 |
| Retained earnings to average equity (ytd only) | 14.3654% | 277 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3592% | 6,577 |
| Assets per employee ($millions) | 6.8653% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 6,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 85.1007% | 184 |
| Net loans and leases to deposits | 95.7133% | 695 |
| Net loans and leases to core deposits | 106.1448% | 733 |
| Total domestic deposits to total assets | 88.9121% | 1,676 |
| Equity capital to assets | 10.2220% | 3,639 |
| Core capital (leverage) ratio | 10.2220% | 3,196 |
| Tier 1 risk-based capital ratio | 20.2025% | 1,675 |
| Total risk-based capital ratio | 20.6839% | 1,849 |
| Memoranda: | ||
| Average total assets | $122,173,670 | 4,296 |
| Average earning assets | $114,675,000 | 4,242 |
| Average equity | $12,196,000 | 4,486 |
| Average total loans | $103,591,670 | 3,411 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8620% | 211 |
| Cost of funding earning assets | 0.9958% | 629 |
| Net interest margin | 4.8663% | 360 |
| Noninterest income to average assets | 0.1185% | 6,508 |
| Noninterest expense to average assets | 2.1931% | 5,703 |
| Loan and lease loss provision to assets | 0.0099% | 4,330 |
| Net operating income to assets | 1.4621% | 930 |
| Return on assets (ROA) | 1.4621% | 1,009 |
| Pretax return on assets | 2.4697% | 276 |
| Return on Equity (ROE) | 14.8272% | 804 |
| Retained earnings to average equity (ytd only) | 14.8272% | 367 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9345% | 6,655 |
| Assets per employee ($millions) | 6.8843% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5047% | 6,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 83.0419% | 231 |
| Net loans and leases to deposits | 92.7438% | 744 |
| Net loans and leases to core deposits | 102.6239% | 797 |
| Total domestic deposits to total assets | 89.5390% | 1,337 |
| Equity capital to assets | 9.8453% | 4,361 |
| Core capital (leverage) ratio | 9.8453% | 3,606 |
| Tier 1 risk-based capital ratio | 19.9226% | 1,794 |
| Total risk-based capital ratio | 20.3945% | 1,975 |
| Memoranda: | ||
| Average total assets | $121,472,500 | 4,357 |
| Average earning assets | $113,680,500 | 4,291 |
| Average equity | $11,978,000 | 4,582 |
| Average total loans | $102,538,500 | 3,452 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9140% | 306 |
| Cost of funding earning assets | 1.1574% | 712 |
| Net interest margin | 4.7566% | 585 |
| Noninterest income to average assets | 0.2223% | 5,848 |
| Noninterest expense to average assets | 2.3020% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4145% | 1,073 |
| Return on assets (ROA) | 1.4145% | 1,188 |
| Pretax return on assets | 2.3648% | 306 |
| Return on Equity (ROE) | 14.5095% | 900 |
| Retained earnings to average equity (ytd only) | 14.5095% | 178 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3262% | 6,632 |
| Assets per employee ($millions) | 6.6127% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5106% | 6,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 84.9657% | 175 |
| Net loans and leases to deposits | 94.9347% | 687 |
| Net loans and leases to core deposits | 104.8456% | 738 |
| Total domestic deposits to total assets | 89.4991% | 1,242 |
| Equity capital to assets | 9.8767% | 4,344 |
| Core capital (leverage) ratio | 9.8767% | 3,576 |
| Tier 1 risk-based capital ratio | 19.5793% | 1,793 |
| Total risk-based capital ratio | 20.0556% | 1,974 |
| Memoranda: | ||
| Average total assets | $112,903,800 | 4,522 |
| Average earning assets | $105,494,600 | 4,460 |
| Average equity | $11,006,600 | 4,760 |
| Average total loans | $96,939,600 | 3,596 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9589% | 296 |
| Cost of funding earning assets | 1.1826% | 749 |
| Net interest margin | 4.7763% | 580 |
| Noninterest income to average assets | 0.1856% | 6,192 |
| Noninterest expense to average assets | 2.2435% | 5,839 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4246% | 1,174 |
| Return on assets (ROA) | 1.4246% | 1,292 |
| Pretax return on assets | 2.4051% | 338 |
| Return on Equity (ROE) | 14.6649% | 965 |
| Retained earnings to average equity (ytd only) | 14.6649% | 258 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2617% | 6,703 |
| Assets per employee ($millions) | 6.0349% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5231% | 6,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 86.0689% | 144 |
| Net loans and leases to deposits | 96.1816% | 648 |
| Net loans and leases to core deposits | 106.9486% | 692 |
| Total domestic deposits to total assets | 89.4858% | 1,136 |
| Equity capital to assets | 9.8976% | 4,644 |
| Core capital (leverage) ratio | 9.8976% | 3,690 |
| Tier 1 risk-based capital ratio | 19.3487% | 1,906 |
| Total risk-based capital ratio | 19.8363% | 2,101 |
| Memoranda: | ||
| Average total assets | $111,372,750 | 4,606 |
| Average earning assets | $104,066,250 | 4,539 |
| Average equity | $10,819,250 | 4,844 |
| Average total loans | $95,761,500 | 3,658 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0263% | 284 |
| Cost of funding earning assets | 1.2162% | 763 |
| Net interest margin | 4.8101% | 550 |
| Noninterest income to average assets | 0.1886% | 6,213 |
| Noninterest expense to average assets | 2.2961% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4074% | 1,175 |
| Return on assets (ROA) | 1.4074% | 1,312 |
| Pretax return on assets | 2.3759% | 364 |
| Return on Equity (ROE) | 14.5828% | 1,002 |
| Retained earnings to average equity (ytd only) | 14.5828% | 302 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1460% | 6,698 |
| Assets per employee ($millions) | 5.8905% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5448% | 6,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 84.6551% | 190 |
| Net loans and leases to deposits | 94.7403% | 711 |
| Net loans and leases to core deposits | 104.3849% | 833 |
| Total domestic deposits to total assets | 89.3549% | 1,301 |
| Equity capital to assets | 9.7704% | 4,668 |
| Core capital (leverage) ratio | 9.7704% | 3,755 |
| Tier 1 risk-based capital ratio | 19.3280% | 1,892 |
| Total risk-based capital ratio | 19.8335% | 2,068 |
| Memoranda: | ||
| Average total assets | $110,275,670 | 4,657 |
| Average earning assets | $102,783,000 | 4,610 |
| Average equity | $10,642,670 | 4,885 |
| Average total loans | $94,612,330 | 3,700 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1037% | 264 |
| Cost of funding earning assets | 1.2459% | 793 |
| Net interest margin | 4.8578% | 498 |
| Noninterest income to average assets | 0.1645% | 6,400 |
| Noninterest expense to average assets | 2.3718% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3704% | 1,279 |
| Return on assets (ROA) | 1.3704% | 1,430 |
| Pretax return on assets | 2.3097% | 448 |
| Return on Equity (ROE) | 14.2905% | 1,127 |
| Retained earnings to average equity (ytd only) | 14.2905% | 535 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6635% | 6,630 |
| Assets per employee ($millions) | 6.1899% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5429% | 7,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 85.3409% | 139 |
| Net loans and leases to deposits | 95.0489% | 597 |
| Net loans and leases to core deposits | 104.7387% | 732 |
| Total domestic deposits to total assets | 89.7863% | 1,202 |
| Equity capital to assets | 9.4544% | 4,874 |
| Core capital (leverage) ratio | 9.4544% | 4,110 |
| Tier 1 risk-based capital ratio | 18.4577% | 2,158 |
| Total risk-based capital ratio | 18.9588% | 2,372 |
| Memoranda: | ||
| Average total assets | $109,453,500 | 4,720 |
| Average earning assets | $101,775,000 | 4,656 |
| Average equity | $10,496,500 | 4,919 |
| Average total loans | $94,286,000 | 3,730 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5548% | 169 |
| Cost of funding earning assets | 1.4346% | 906 |
| Net interest margin | 5.1202% | 325 |
| Noninterest income to average assets | 0.1439% | 6,430 |
| Noninterest expense to average assets | 2.6085% | 5,063 |
| Loan and lease loss provision to assets | 0.0029% | 6,478 |
| Net operating income to assets | 1.3971% | 1,036 |
| Return on assets (ROA) | 1.3971% | 1,120 |
| Pretax return on assets | 2.3071% | 291 |
| Return on Equity (ROE) | 14.7206% | 796 |
| Retained earnings to average equity (ytd only) | 14.7206% | 147 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0342% | 6,611 |
| Assets per employee ($millions) | 5.9716% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 7,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 86.0077% | 129 |
| Net loans and leases to deposits | 96.0429% | 668 |
| Net loans and leases to core deposits | 104.1621% | 896 |
| Total domestic deposits to total assets | 89.5514% | 1,235 |
| Equity capital to assets | 9.7304% | 4,548 |
| Core capital (leverage) ratio | 9.7304% | 3,700 |
| Tier 1 risk-based capital ratio | 18.9262% | 1,918 |
| Total risk-based capital ratio | 19.8867% | 1,975 |
| Memoranda: | ||
| Average total assets | $102,857,800 | 4,824 |
| Average earning assets | $95,914,200 | 4,754 |
| Average equity | $9,761,800 | 5,082 |
| Average total loans | $90,106,000 | 3,854 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7051% | 150 |
| Cost of funding earning assets | 1.4661% | 969 |
| Net interest margin | 5.2390% | 272 |
| Noninterest income to average assets | 0.1036% | 6,736 |
| Noninterest expense to average assets | 2.4411% | 5,657 |
| Loan and lease loss provision to assets | 0.0039% | 6,369 |
| Net operating income to assets | 1.5273% | 884 |
| Return on assets (ROA) | 1.5273% | 964 |
| Pretax return on assets | 2.5447% | 227 |
| Return on Equity (ROE) | 16.2012% | 657 |
| Retained earnings to average equity (ytd only) | 16.2012% | 170 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9228% | 6,892 |
| Assets per employee ($millions) | 6.2411% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 7,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 85.6595% | 138 |
| Net loans and leases to deposits | 96.4696% | 672 |
| Net loans and leases to core deposits | 103.1964% | 1,024 |
| Total domestic deposits to total assets | 88.7943% | 1,550 |
| Equity capital to assets | 9.6006% | 4,935 |
| Core capital (leverage) ratio | 9.6006% | 3,988 |
| Tier 1 risk-based capital ratio | 18.5182% | 2,087 |
| Total risk-based capital ratio | 19.4839% | 2,143 |
| Memoranda: | ||
| Average total assets | $101,700,250 | 4,880 |
| Average earning assets | $94,851,000 | 4,823 |
| Average equity | $9,587,500 | 5,160 |
| Average total loans | $89,390,750 | 3,911 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6937% | 164 |
| Cost of funding earning assets | 1.5089% | 979 |
| Net interest margin | 5.1849% | 286 |
| Noninterest income to average assets | 0.0998% | 6,827 |
| Noninterest expense to average assets | 2.4223% | 5,775 |
| Loan and lease loss provision to assets | 0.0060% | 6,181 |
| Net operating income to assets | 1.4845% | 922 |
| Return on assets (ROA) | 1.4845% | 979 |
| Pretax return on assets | 2.5121% | 241 |
| Return on Equity (ROE) | 15.8500% | 685 |
| Retained earnings to average equity (ytd only) | 15.8500% | 211 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0307% | 7,004 |
| Assets per employee ($millions) | 6.4833% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5699% | 7,178 |
| Loan loss allowance to noncurrent loans | 3,460.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 7,082 |
| Noncurrent loans to loans | 0.0165% | 6,958 |
| Net loans and leases to total assets | 87.2847% | 100 |
| Net loans and leases to deposits | 98.4013% | 575 |
| Net loans and leases to core deposits | 105.0822% | 976 |
| Total domestic deposits to total assets | 88.7027% | 1,718 |
| Equity capital to assets | 9.4136% | 4,949 |
| Core capital (leverage) ratio | 9.4136% | 4,083 |
| Tier 1 risk-based capital ratio | 17.8342% | 2,228 |
| Total risk-based capital ratio | 18.8052% | 2,292 |
| Memoranda: | ||
| Average total assets | $100,234,330 | 4,956 |
| Average earning assets | $93,580,000 | 4,895 |
| Average equity | $9,388,000 | 5,214 |
| Average total loans | $88,720,330 | 3,973 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5751% | 187 |
| Cost of funding earning assets | 1.5686% | 920 |
| Net interest margin | 5.0065% | 377 |
| Noninterest income to average assets | 0.1543% | 6,611 |
| Noninterest expense to average assets | 2.4938% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4500% | 989 |
| Return on assets (ROA) | 1.4500% | 1,026 |
| Pretax return on assets | 2.3273% | 322 |
| Return on Equity (ROE) | 15.5226% | 735 |
| Retained earnings to average equity (ytd only) | 15.5226% | 343 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7270% | 6,874 |
| Assets per employee ($millions) | 5.8639% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5848% | 7,218 |
| Loan loss allowance to noncurrent loans | 3,440.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 7,152 |
| Noncurrent loans to loans | 0.0170% | 7,024 |
| Net loans and leases to total assets | 88.0014% | 78 |
| Net loans and leases to deposits | 99.1209% | 520 |
| Net loans and leases to core deposits | 105.0032% | 999 |
| Total domestic deposits to total assets | 88.7819% | 1,908 |
| Equity capital to assets | 9.4074% | 4,560 |
| Core capital (leverage) ratio | 9.4074% | 3,949 |
| Tier 1 risk-based capital ratio | 17.6109% | 2,242 |
| Total risk-based capital ratio | 18.6046% | 2,330 |
| Memoranda: | ||
| Average total assets | $98,485,000 | 5,041 |
| Average earning assets | $91,800,500 | 4,978 |
| Average equity | $9,199,500 | 5,263 |
| Average total loans | $87,549,500 | 4,031 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5182% | 308 |
| Cost of funding earning assets | 1.8445% | 1,014 |
| Net interest margin | 4.6737% | 866 |
| Noninterest income to average assets | 0.1762% | 6,479 |
| Noninterest expense to average assets | 2.6181% | 5,342 |
| Loan and lease loss provision to assets | 0.2000% | 5,237 |
| Net operating income to assets | 1.0118% | 1,989 |
| Return on assets (ROA) | 1.0118% | 2,099 |
| Pretax return on assets | 1.6939% | 954 |
| Return on Equity (ROE) | 10.9926% | 1,592 |
| Retained earnings to average equity (ytd only) | 10.9926% | 379 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0259% | 6,331 |
| Assets per employee ($millions) | 6.4855% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 7,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 88.7524% | 81 |
| Net loans and leases to deposits | 99.8889% | 587 |
| Net loans and leases to core deposits | 106.3404% | 1,168 |
| Total domestic deposits to total assets | 88.8511% | 1,744 |
| Equity capital to assets | 9.2729% | 4,716 |
| Core capital (leverage) ratio | 9.2729% | 4,064 |
| Tier 1 risk-based capital ratio | 17.0710% | 2,323 |
| Total risk-based capital ratio | 18.0734% | 2,381 |
| Memoranda: | ||
| Average total assets | $92,510,400 | 5,207 |
| Average earning assets | $85,821,400 | 5,149 |
| Average equity | $8,514,800 | 5,542 |
| Average total loans | $83,036,600 | 4,243 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5171% | 327 |
| Cost of funding earning assets | 1.8827% | 1,081 |
| Net interest margin | 4.6344% | 970 |
| Noninterest income to average assets | 0.1387% | 6,861 |
| Noninterest expense to average assets | 2.5814% | 5,397 |
| Loan and lease loss provision to assets | 0.2599% | 4,507 |
| Net operating income to assets | 0.9374% | 2,464 |
| Return on assets (ROA) | 0.9374% | 2,599 |
| Pretax return on assets | 1.5959% | 1,358 |
| Return on Equity (ROE) | 10.2045% | 2,046 |
| Retained earnings to average equity (ytd only) | 10.2045% | 751 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1770% | 6,243 |
| Assets per employee ($millions) | 6.3543% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 7,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 89.0751% | 82 |
| Net loans and leases to deposits | 100.1061% | 653 |
| Net loans and leases to core deposits | 106.2671% | 1,303 |
| Total domestic deposits to total assets | 88.9806% | 1,394 |
| Equity capital to assets | 9.1550% | 5,381 |
| Core capital (leverage) ratio | 9.1550% | 4,450 |
| Tier 1 risk-based capital ratio | 16.9018% | 2,375 |
| Total risk-based capital ratio | 17.9148% | 2,438 |
| Memoranda: | ||
| Average total assets | $91,317,250 | 5,317 |
| Average earning assets | $84,698,000 | 5,246 |
| Average equity | $8,388,250 | 5,661 |
| Average total loans | $82,081,500 | 4,346 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6257% | 279 |
| Cost of funding earning assets | 1.9181% | 1,172 |
| Net interest margin | 4.7076% | 806 |
| Noninterest income to average assets | 0.1356% | 6,908 |
| Noninterest expense to average assets | 2.5649% | 5,475 |
| Loan and lease loss provision to assets | 0.3712% | 3,485 |
| Net operating income to assets | 0.8979% | 2,560 |
| Return on assets (ROA) | 0.8979% | 2,679 |
| Pretax return on assets | 1.5580% | 1,408 |
| Return on Equity (ROE) | 9.7636% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.7636% | 902 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0722% | 6,501 |
| Assets per employee ($millions) | 6.3129% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 7,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 87.1712% | 162 |
| Net loans and leases to deposits | 97.9298% | 881 |
| Net loans and leases to core deposits | 104.5959% | 1,576 |
| Total domestic deposits to total assets | 89.0140% | 1,433 |
| Equity capital to assets | 8.9637% | 5,504 |
| Core capital (leverage) ratio | 8.9637% | 4,663 |
| Tier 1 risk-based capital ratio | 16.4675% | 2,482 |
| Total risk-based capital ratio | 17.4610% | 2,542 |
| Memoranda: | ||
| Average total assets | $89,985,000 | 5,389 |
| Average earning assets | $83,311,330 | 5,321 |
| Average equity | $8,275,670 | 5,704 |
| Average total loans | $80,972,000 | 4,419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7675% | 234 |
| Cost of funding earning assets | 1.9808% | 1,154 |
| Net interest margin | 4.7866% | 665 |
| Noninterest income to average assets | 0.1506% | 6,888 |
| Noninterest expense to average assets | 2.7342% | 4,747 |
| Loan and lease loss provision to assets | 0.3834% | 3,066 |
| Net operating income to assets | 0.7805% | 3,057 |
| Return on assets (ROA) | 0.7805% | 3,165 |
| Pretax return on assets | 1.4561% | 1,625 |
| Return on Equity (ROE) | 8.3726% | 2,706 |
| Retained earnings to average equity (ytd only) | 8.3726% | 1,568 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7804% | 6,218 |
| Assets per employee ($millions) | 5.9332% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5059% | 7,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 91.7021% | 39 |
| Net loans and leases to deposits | 103.3691% | 568 |
| Net loans and leases to core deposits | 109.0500% | 1,350 |
| Total domestic deposits to total assets | 88.7132% | 1,666 |
| Equity capital to assets | 9.2755% | 4,872 |
| Core capital (leverage) ratio | 9.2755% | 4,095 |
| Tier 1 risk-based capital ratio | 16.4960% | 2,452 |
| Total risk-based capital ratio | 17.3494% | 2,566 |
| Memoranda: | ||
| Average total assets | $87,631,000 | 5,525 |
| Average earning assets | $80,975,500 | 5,470 |
| Average equity | $8,169,500 | 5,783 |
| Average total loans | $79,936,500 | 4,507 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2347% | 197 |
| Cost of funding earning assets | 2.8866% | 324 |
| Net interest margin | 4.3481% | 1,578 |
| Noninterest income to average assets | 0.2331% | 6,446 |
| Noninterest expense to average assets | 2.8681% | 4,662 |
| Loan and lease loss provision to assets | 0.0891% | 6,722 |
| Net operating income to assets | 0.7042% | 2,914 |
| Return on assets (ROA) | 0.7042% | 2,985 |
| Pretax return on assets | 1.2302% | 1,868 |
| Return on Equity (ROE) | 7.4415% | 2,602 |
| Retained earnings to average equity (ytd only) | 7.4415% | 831 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4932% | 4,922 |
| Assets per employee ($millions) | 5.7509% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4252% | 7,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 89.8567% | 91 |
| Net loans and leases to deposits | 101.6044% | 783 |
| Net loans and leases to core deposits | 163.9398% | 298 |
| Total domestic deposits to total assets | 88.4378% | 1,755 |
| Equity capital to assets | 9.3712% | 4,604 |
| Core capital (leverage) ratio | 9.3712% | 3,871 |
| Tier 1 risk-based capital ratio | 16.0726% | 2,489 |
| Total risk-based capital ratio | 16.7503% | 2,669 |
| Memoranda: | ||
| Average total assets | $81,936,000 | 5,669 |
| Average earning assets | $74,515,800 | 5,654 |
| Average equity | $7,753,800 | 6,011 |
| Average total loans | $72,617,400 | 4,775 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0699% | 269 |
| Cost of funding earning assets | 3.0539% | 277 |
| Net interest margin | 4.0160% | 2,740 |
| Noninterest income to average assets | 0.2028% | 6,769 |
| Noninterest expense to average assets | 2.8380% | 4,729 |
| Loan and lease loss provision to assets | 0.0132% | 7,199 |
| Net operating income to assets | 0.5870% | 3,647 |
| Return on assets (ROA) | 0.5870% | 3,713 |
| Pretax return on assets | 0.9927% | 2,932 |
| Return on Equity (ROE) | 6.1874% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.1874% | 1,853 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8310% | 3,888 |
| Assets per employee ($millions) | 5.5659% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3547% | 7,862 |
| Loan loss allowance to noncurrent loans | 81.3456% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 6,480 |
| Noncurrent loans to loans | 0.4361% | 6,462 |
| Net loans and leases to total assets | 89.4956% | 137 |
| Net loans and leases to deposits | 101.3799% | 979 |
| Net loans and leases to core deposits | 157.6483% | 423 |
| Total domestic deposits to total assets | 88.2775% | 1,527 |
| Equity capital to assets | 9.4180% | 4,863 |
| Core capital (leverage) ratio | 9.4180% | 4,024 |
| Tier 1 risk-based capital ratio | 16.5002% | 2,430 |
| Total risk-based capital ratio | 17.0754% | 2,630 |
| Memoranda: | ||
| Average total assets | $80,854,000 | 5,733 |
| Average earning assets | $73,304,500 | 5,743 |
| Average equity | $7,671,250 | 6,095 |
| Average total loans | $71,310,500 | 4,862 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1334% | 259 |
| Cost of funding earning assets | 3.1873% | 275 |
| Net interest margin | 3.9461% | 2,904 |
| Noninterest income to average assets | 0.2126% | 6,780 |
| Noninterest expense to average assets | 2.7733% | 5,075 |
| Loan and lease loss provision to assets | 0.0200% | 7,025 |
| Net operating income to assets | 0.5927% | 3,707 |
| Return on assets (ROA) | 0.5927% | 3,817 |
| Pretax return on assets | 0.9828% | 3,075 |
| Return on Equity (ROE) | 6.2308% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.2308% | 1,917 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4437% | 4,118 |
| Assets per employee ($millions) | 5.5595% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3660% | 7,935 |
| Loan loss allowance to noncurrent loans | 92.6829% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 6,590 |
| Noncurrent loans to loans | 0.3949% | 6,525 |
| Net loans and leases to total assets | 86.8321% | 312 |
| Net loans and leases to deposits | 98.4862% | 1,453 |
| Net loans and leases to core deposits | 150.9097% | 631 |
| Total domestic deposits to total assets | 88.1667% | 1,688 |
| Equity capital to assets | 9.2851% | 4,902 |
| Core capital (leverage) ratio | 9.2851% | 4,188 |
| Tier 1 risk-based capital ratio | 16.5989% | 2,419 |
| Total risk-based capital ratio | 17.1868% | 2,589 |
| Memoranda: | ||
| Average total assets | $79,975,670 | 5,802 |
| Average earning assets | $72,224,000 | 5,817 |
| Average equity | $7,607,330 | 6,144 |
| Average total loans | $70,085,670 | 4,957 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9889% | 349 |
| Cost of funding earning assets | 3.3465% | 234 |
| Net interest margin | 3.6424% | 4,130 |
| Noninterest income to average assets | 0.2555% | 6,412 |
| Noninterest expense to average assets | 3.0000% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3424% | 5,104 |
| Return on assets (ROA) | 0.3424% | 5,286 |
| Pretax return on assets | 0.5264% | 4,993 |
| Return on Equity (ROE) | 3.5546% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.5546% | 3,917 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0725% | 2,186 |
| Assets per employee ($millions) | 5.4071% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3679% | 7,982 |
| Loan loss allowance to noncurrent loans | 36.0839% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 4,992 |
| Noncurrent loans to loans | 1.0197% | 4,958 |
| Net loans and leases to total assets | 86.1368% | 427 |
| Net loans and leases to deposits | 97.6217% | 1,715 |
| Net loans and leases to core deposits | 146.2640% | 847 |
| Total domestic deposits to total assets | 88.2353% | 1,624 |
| Equity capital to assets | 9.3370% | 4,876 |
| Core capital (leverage) ratio | 9.3370% | 4,191 |
| Tier 1 risk-based capital ratio | 16.1007% | 2,655 |
| Total risk-based capital ratio | 16.6667% | 2,818 |
| Memoranda: | ||
| Average total assets | $78,267,500 | 5,882 |
| Average earning assets | $70,283,000 | 5,901 |
| Average equity | $7,539,500 | 6,207 |
| Average total loans | $68,790,000 | 5,024 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6902% | 285 |
| Cost of funding earning assets | 3.8306% | 182 |
| Net interest margin | 3.8597% | 3,745 |
| Noninterest income to average assets | 0.2101% | 6,934 |
| Noninterest expense to average assets | 2.8061% | 4,793 |
| Loan and lease loss provision to assets | 0.0555% | 6,716 |
| Net operating income to assets | 0.5311% | 4,611 |
| Return on assets (ROA) | 0.5311% | 4,463 |
| Pretax return on assets | 0.8534% | 3,879 |
| Return on Equity (ROE) | 5.4451% | 4,181 |
| Retained earnings to average equity (ytd only) | 0.7043% | 4,810 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5334% | 3,321 |
| Assets per employee ($millions) | 4.7143% | 2,304 |
| Cash dividends to net income (ytd only)* | 87.0647% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3825% | 8,004 |
| Loan loss allowance to noncurrent loans | 36.0335% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 4,455 |
| Noncurrent loans to loans | 1.0614% | 4,452 |
| Net loans and leases to total assets | 89.0929% | 273 |
| Net loans and leases to deposits | 101.8367% | 1,600 |
| Net loans and leases to core deposits | 149.9821% | 859 |
| Total domestic deposits to total assets | 87.4861% | 1,712 |
| Equity capital to assets | 9.9512% | 4,100 |
| Core capital (leverage) ratio | 9.9512% | 3,494 |
| Tier 1 risk-based capital ratio | 16.4951% | 2,489 |
| Total risk-based capital ratio | 17.0802% | 2,671 |
| Memoranda: | ||
| Average total assets | $75,692,800 | 5,850 |
| Average earning assets | $68,736,800 | 5,864 |
| Average equity | $7,382,800 | 6,323 |
| Average total loans | $66,721,400 | 4,991 |