Home > Altura State Bank > Performance and Condition Ratios
Altura State Bank, Performance and Condition Ratios
| 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 | 3.9510% | 3,423 |
| Cost of funding earning assets | 0.3559% | 3,500 |
| Net interest margin | 3.5951% | 3,116 |
| Noninterest income to average assets | 1.0729% | 973 |
| Noninterest expense to average assets | 3.6472% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7028% | 3,773 |
| Return on assets (ROA) | 0.7028% | 3,924 |
| Pretax return on assets | 0.7028% | 4,612 |
| Return on Equity (ROE) | 4.4154% | 4,750 |
| Retained earnings to average equity (ytd only) | 1.6460% | 4,725 |
| Net charge-offs to loans | 0.2678% | 893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.2250% | 3,008 |
| Efficiency ratio | 83.8432% | 1,064 |
| Assets per employee ($millions) | 6.0213% | 1,383 |
| Cash dividends to net income (ytd only)* | 62.7219% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 5,566 |
| Loan loss allowance to noncurrent loans | 89.6861% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 3,668 |
| Noncurrent loans to loans | 0.7531% | 2,863 |
| Net loans and leases to total assets | 61.0588% | 3,743 |
| Net loans and leases to deposits | 72.9139% | 3,709 |
| Net loans and leases to core deposits | 73.9497% | 3,986 |
| Total domestic deposits to total assets | 83.7409% | 3,370 |
| Equity capital to assets | 15.9892% | 548 |
| Core capital (leverage) ratio | 15.8996% | 475 |
| Tier 1 risk-based capital ratio | 22.8051% | 1,038 |
| Total risk-based capital ratio | 23.4010% | 1,105 |
| Memoranda: | ||
| Average total assets | $48,092,000 | 5,498 |
| Average earning assets | $43,837,330 | 5,500 |
| Average equity | $7,655,000 | 5,079 |
| Average total loans | $29,869,330 | 5,299 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 4,314 |
| Cost of funding earning assets | 0.3548% | 3,553 |
| Net interest margin | 3.3479% | 4,052 |
| Noninterest income to average assets | 0.2913% | 4,638 |
| Noninterest expense to average assets | 3.2797% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0749% | 5,715 |
| Return on assets (ROA) | 0.0749% | 5,758 |
| Pretax return on assets | 0.0749% | 5,762 |
| Return on Equity (ROE) | 0.4717% | 5,772 |
| Retained earnings to average equity (ytd only) | 0.4717% | 4,999 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7667% | 350 |
| Assets per employee ($millions) | 5.9720% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 5,376 |
| Loan loss allowance to noncurrent loans | 74.6130% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 3,027 |
| Noncurrent loans to loans | 1.0642% | 2,263 |
| Net loans and leases to total assets | 63.0233% | 3,382 |
| Net loans and leases to deposits | 76.0123% | 3,222 |
| Net loans and leases to core deposits | 77.1043% | 3,582 |
| Total domestic deposits to total assets | 82.9119% | 3,930 |
| Equity capital to assets | 16.0394% | 531 |
| Core capital (leverage) ratio | 15.9591% | 472 |
| Tier 1 risk-based capital ratio | 22.4782% | 1,093 |
| Total risk-based capital ratio | 23.1909% | 1,145 |
| Memoranda: | ||
| Average total assets | $48,053,000 | 5,549 |
| Average earning assets | $43,968,000 | 5,553 |
| Average equity | $7,631,500 | 5,117 |
| Average total loans | $29,998,000 | 5,338 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 3,484 |
| Cost of funding earning assets | 0.4210% | 2,930 |
| Net interest margin | 3.5356% | 3,393 |
| Noninterest income to average assets | 0.3124% | 4,659 |
| Noninterest expense to average assets | 1.8429% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7221% | 550 |
| Return on assets (ROA) | 1.7221% | 575 |
| Pretax return on assets | 1.7221% | 948 |
| Return on Equity (ROE) | 11.1129% | 1,578 |
| Retained earnings to average equity (ytd only) | 3.2788% | 3,720 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6939% | 5,654 |
| Assets per employee ($millions) | 6.0413% | 1,359 |
| Cash dividends to net income (ytd only)* | 70.4958% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8096% | 5,387 |
| Loan loss allowance to noncurrent loans | 87.9121% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 3,397 |
| Noncurrent loans to loans | 0.9209% | 2,497 |
| Net loans and leases to total assets | 60.8421% | 3,721 |
| Net loans and leases to deposits | 73.1286% | 3,597 |
| Net loans and leases to core deposits | 74.2082% | 3,917 |
| Total domestic deposits to total assets | 83.1988% | 3,774 |
| Equity capital to assets | 15.7252% | 558 |
| Core capital (leverage) ratio | 15.7465% | 494 |
| Tier 1 risk-based capital ratio | 22.2489% | 1,114 |
| Total risk-based capital ratio | 22.9523% | 1,167 |
| Memoranda: | ||
| Average total assets | $48,021,600 | 5,586 |
| Average earning assets | $44,179,000 | 5,574 |
| Average equity | $7,441,800 | 5,163 |
| Average total loans | $29,442,400 | 5,381 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,649 |
| Cost of funding earning assets | 0.4386% | 2,817 |
| Net interest margin | 3.4878% | 3,587 |
| Noninterest income to average assets | 0.3198% | 4,653 |
| Noninterest expense to average assets | 1.8298% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7186% | 601 |
| Return on assets (ROA) | 1.7186% | 626 |
| Pretax return on assets | 1.7186% | 1,058 |
| Return on Equity (ROE) | 11.1315% | 1,654 |
| Retained earnings to average equity (ytd only) | 0.6305% | 5,431 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5674% | 5,675 |
| Assets per employee ($millions) | 5.9490% | 1,410 |
| Cash dividends to net income (ytd only)* | 94.3360% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 5,499 |
| Loan loss allowance to noncurrent loans | 41.1664% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.2250% | 1,928 |
| Noncurrent loans to loans | 1.9626% | 1,188 |
| Net loans and leases to total assets | 61.9117% | 3,622 |
| Net loans and leases to deposits | 74.3634% | 3,502 |
| Net loans and leases to core deposits | 75.4681% | 3,862 |
| Total domestic deposits to total assets | 83.2556% | 3,716 |
| Equity capital to assets | 15.5467% | 639 |
| Core capital (leverage) ratio | 15.2480% | 597 |
| Tier 1 risk-based capital ratio | 21.8875% | 1,210 |
| Total risk-based capital ratio | 22.5991% | 1,269 |
| Memoranda: | ||
| Average total assets | $47,944,500 | 5,659 |
| Average earning assets | $44,382,250 | 5,641 |
| Average equity | $7,402,250 | 5,234 |
| Average total loans | $29,391,750 | 5,447 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 3,718 |
| Cost of funding earning assets | 0.4552% | 2,663 |
| Net interest margin | 3.4388% | 3,757 |
| Noninterest income to average assets | 0.3246% | 4,623 |
| Noninterest expense to average assets | 1.7894% | 5,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7103% | 619 |
| Return on assets (ROA) | 1.7103% | 647 |
| Pretax return on assets | 1.7103% | 1,064 |
| Return on Equity (ROE) | 11.1031% | 1,651 |
| Retained earnings to average equity (ytd only) | -2.4313% | 5,867 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1296% | 5,786 |
| Assets per employee ($millions) | 6.0204% | 1,334 |
| Cash dividends to net income (ytd only)* | 121.8978% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 5,573 |
| Loan loss allowance to noncurrent loans | 65.0407% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 3,091 |
| Noncurrent loans to loans | 1.2471% | 2,166 |
| Net loans and leases to total assets | 60.9347% | 3,700 |
| Net loans and leases to deposits | 72.7246% | 3,647 |
| Net loans and leases to core deposits | 74.8693% | 3,873 |
| Total domestic deposits to total assets | 83.7884% | 3,654 |
| Equity capital to assets | 15.0344% | 697 |
| Core capital (leverage) ratio | 14.9302% | 626 |
| Tier 1 risk-based capital ratio | 22.1971% | 1,174 |
| Total risk-based capital ratio | 22.9311% | 1,235 |
| Memoranda: | ||
| Average total assets | $48,062,000 | 5,720 |
| Average earning assets | $44,376,330 | 5,707 |
| Average equity | $7,403,330 | 5,280 |
| Average total loans | $29,287,330 | 5,503 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 3,593 |
| Cost of funding earning assets | 0.4618% | 2,657 |
| Net interest margin | 3.4411% | 3,665 |
| Noninterest income to average assets | 0.3166% | 4,658 |
| Noninterest expense to average assets | 1.8079% | 5,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6746% | 625 |
| Return on assets (ROA) | 1.6746% | 652 |
| Pretax return on assets | 1.6746% | 1,100 |
| Return on Equity (ROE) | 10.7422% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.7422% | 764 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9139% | 5,813 |
| Assets per employee ($millions) | 6.0333% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 5,650 |
| Loan loss allowance to noncurrent loans | 77.1704% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 3,573 |
| Noncurrent loans to loans | 1.0625% | 2,637 |
| Net loans and leases to total assets | 60.1479% | 3,630 |
| Net loans and leases to deposits | 72.3658% | 3,503 |
| Net loans and leases to core deposits | 74.5417% | 3,733 |
| Total domestic deposits to total assets | 83.1165% | 4,145 |
| Equity capital to assets | 15.7295% | 584 |
| Core capital (leverage) ratio | 15.6375% | 513 |
| Tier 1 risk-based capital ratio | 22.9523% | 1,108 |
| Total risk-based capital ratio | 23.6820% | 1,164 |
| Memoranda: | ||
| Average total assets | $48,011,500 | 5,771 |
| Average earning assets | $44,172,500 | 5,752 |
| Average equity | $7,484,500 | 5,307 |
| Average total loans | $29,137,000 | 5,556 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,658 |
| Cost of funding earning assets | 0.5131% | 2,544 |
| Net interest margin | 3.5060% | 3,768 |
| Noninterest income to average assets | 0.3763% | 4,374 |
| Noninterest expense to average assets | 1.8277% | 6,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7736% | 503 |
| Return on assets (ROA) | 1.7736% | 513 |
| Pretax return on assets | 1.7736% | 840 |
| Return on Equity (ROE) | 11.7373% | 1,481 |
| Retained earnings to average equity (ytd only) | 3.2611% | 3,907 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7506% | 6,052 |
| Assets per employee ($millions) | 5.3063% | 1,949 |
| Cash dividends to net income (ytd only)* | 72.2157% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 5,701 |
| Loan loss allowance to noncurrent loans | 179.1045% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 4,912 |
| Noncurrent loans to loans | 0.4620% | 4,265 |
| Net loans and leases to total assets | 60.2278% | 3,755 |
| Net loans and leases to deposits | 72.2725% | 3,646 |
| Net loans and leases to core deposits | 74.4827% | 3,876 |
| Total domestic deposits to total assets | 83.3344% | 3,965 |
| Equity capital to assets | 15.4470% | 619 |
| Core capital (leverage) ratio | 14.9016% | 629 |
| Tier 1 risk-based capital ratio | 23.1018% | 1,076 |
| Total risk-based capital ratio | 23.8564% | 1,121 |
| Memoranda: | ||
| Average total assets | $48,094,000 | 5,830 |
| Average earning assets | $44,238,800 | 5,826 |
| Average equity | $7,267,400 | 5,356 |
| Average total loans | $29,131,200 | 5,597 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,698 |
| Cost of funding earning assets | 0.5148% | 2,611 |
| Net interest margin | 3.5016% | 3,823 |
| Noninterest income to average assets | 0.3736% | 4,437 |
| Noninterest expense to average assets | 1.7684% | 6,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8237% | 493 |
| Return on assets (ROA) | 1.8237% | 507 |
| Pretax return on assets | 1.8237% | 846 |
| Return on Equity (ROE) | 12.1359% | 1,446 |
| Retained earnings to average equity (ytd only) | 2.2099% | 4,950 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2296% | 6,134 |
| Assets per employee ($millions) | 5.4117% | 1,807 |
| Cash dividends to net income (ytd only)* | 81.7912% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 5,816 |
| Loan loss allowance to noncurrent loans | 175.1825% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 5,143 |
| Noncurrent loans to loans | 0.4695% | 4,499 |
| Net loans and leases to total assets | 59.4148% | 3,881 |
| Net loans and leases to deposits | 70.9404% | 3,806 |
| Net loans and leases to core deposits | 73.0462% | 4,045 |
| Total domestic deposits to total assets | 83.7532% | 3,855 |
| Equity capital to assets | 14.9574% | 740 |
| Core capital (leverage) ratio | 15.0011% | 615 |
| Tier 1 risk-based capital ratio | 22.6834% | 1,163 |
| Total risk-based capital ratio | 23.4362% | 1,219 |
| Memoranda: | ||
| Average total assets | $48,178,250 | 5,899 |
| Average earning assets | $44,283,750 | 5,893 |
| Average equity | $7,240,000 | 5,404 |
| Average total loans | $29,163,250 | 5,655 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,815 |
| Cost of funding earning assets | 0.5127% | 2,695 |
| Net interest margin | 3.4675% | 3,908 |
| Noninterest income to average assets | 0.3791% | 4,413 |
| Noninterest expense to average assets | 1.7541% | 6,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8374% | 455 |
| Return on assets (ROA) | 1.8374% | 468 |
| Pretax return on assets | 1.8374% | 783 |
| Return on Equity (ROE) | 12.2076% | 1,366 |
| Retained earnings to average equity (ytd only) | -0.5536% | 5,784 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8399% | 6,236 |
| Assets per employee ($millions) | 5.3217% | 1,850 |
| Cash dividends to net income (ytd only)* | 104.5351% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 5,913 |
| Loan loss allowance to noncurrent loans | 170.2128% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 5,186 |
| Noncurrent loans to loans | 0.4860% | 4,542 |
| Net loans and leases to total assets | 60.0710% | 3,703 |
| Net loans and leases to deposits | 71.7320% | 3,604 |
| Net loans and leases to core deposits | 73.9177% | 3,849 |
| Total domestic deposits to total assets | 83.7436% | 4,017 |
| Equity capital to assets | 14.9327% | 716 |
| Core capital (leverage) ratio | 14.7300% | 646 |
| Tier 1 risk-based capital ratio | 22.4940% | 1,190 |
| Total risk-based capital ratio | 23.2553% | 1,236 |
| Memoranda: | ||
| Average total assets | $48,002,670 | 5,950 |
| Average earning assets | $44,470,000 | 5,935 |
| Average equity | $7,225,000 | 5,432 |
| Average total loans | $29,158,330 | 5,689 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,862 |
| Cost of funding earning assets | 0.5016% | 2,893 |
| Net interest margin | 3.4575% | 3,871 |
| Noninterest income to average assets | 0.3829% | 4,327 |
| Noninterest expense to average assets | 1.7230% | 6,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8728% | 424 |
| Return on assets (ROA) | 1.8728% | 445 |
| Pretax return on assets | 1.8728% | 689 |
| Return on Equity (ROE) | 12.3941% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.3941% | 559 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9167% | 6,358 |
| Assets per employee ($millions) | 5.3419% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 6,063 |
| Loan loss allowance to noncurrent loans | 165.5172% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 5,253 |
| Noncurrent loans to loans | 0.4936% | 4,680 |
| Net loans and leases to total assets | 60.5986% | 3,462 |
| Net loans and leases to deposits | 72.7495% | 3,242 |
| Net loans and leases to core deposits | 74.9524% | 3,532 |
| Total domestic deposits to total assets | 83.2976% | 4,496 |
| Equity capital to assets | 15.3816% | 622 |
| Core capital (leverage) ratio | 15.4595% | 543 |
| Tier 1 risk-based capital ratio | 23.1602% | 1,121 |
| Total risk-based capital ratio | 23.9179% | 1,168 |
| Memoranda: | ||
| Average total assets | $48,056,500 | 6,001 |
| Average earning assets | $44,656,500 | 5,983 |
| Average equity | $7,261,500 | 5,452 |
| Average total loans | $29,232,000 | 5,739 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,925 |
| Cost of funding earning assets | 0.5917% | 2,743 |
| Net interest margin | 3.4570% | 4,068 |
| Noninterest income to average assets | 0.3760% | 4,622 |
| Noninterest expense to average assets | 1.7784% | 6,358 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7659% | 516 |
| Return on assets (ROA) | 1.7659% | 534 |
| Pretax return on assets | 1.7659% | 823 |
| Return on Equity (ROE) | 12.0924% | 1,390 |
| Retained earnings to average equity (ytd only) | 2.4327% | 4,516 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1758% | 6,390 |
| Assets per employee ($millions) | 5.3373% | 1,809 |
| Cash dividends to net income (ytd only)* | 79.8824% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 6,112 |
| Loan loss allowance to noncurrent loans | 161.0738% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 5,333 |
| Noncurrent loans to loans | 0.5122% | 4,712 |
| Net loans and leases to total assets | 60.0591% | 3,710 |
| Net loans and leases to deposits | 71.6717% | 3,571 |
| Net loans and leases to core deposits | 73.8116% | 3,859 |
| Total domestic deposits to total assets | 83.7976% | 4,246 |
| Equity capital to assets | 14.8389% | 702 |
| Core capital (leverage) ratio | 14.8260% | 625 |
| Tier 1 risk-based capital ratio | 22.7152% | 1,143 |
| Total risk-based capital ratio | 23.4819% | 1,198 |
| Memoranda: | ||
| Average total assets | $48,134,000 | 6,066 |
| Average earning assets | $44,113,600 | 6,049 |
| Average equity | $7,029,200 | 5,561 |
| Average total loans | $27,667,600 | 5,865 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,936 |
| Cost of funding earning assets | 0.6029% | 2,785 |
| Net interest margin | 3.4477% | 4,093 |
| Noninterest income to average assets | 0.3599% | 4,820 |
| Noninterest expense to average assets | 1.7608% | 6,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7497% | 580 |
| Return on assets (ROA) | 1.7497% | 603 |
| Pretax return on assets | 1.7497% | 996 |
| Return on Equity (ROE) | 12.0301% | 1,465 |
| Retained earnings to average equity (ytd only) | 0.5329% | 5,755 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1577% | 6,390 |
| Assets per employee ($millions) | 5.3568% | 1,784 |
| Cash dividends to net income (ytd only)* | 95.5687% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,119 |
| Loan loss allowance to noncurrent loans | 176.4706% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 5,592 |
| Noncurrent loans to loans | 0.4959% | 4,957 |
| Net loans and leases to total assets | 56.3896% | 4,267 |
| Net loans and leases to deposits | 67.0465% | 4,171 |
| Net loans and leases to core deposits | 69.0210% | 4,431 |
| Total domestic deposits to total assets | 84.1053% | 4,146 |
| Equity capital to assets | 14.5963% | 793 |
| Core capital (leverage) ratio | 14.3744% | 771 |
| Tier 1 risk-based capital ratio | 23.6237% | 1,054 |
| Total risk-based capital ratio | 24.4373% | 1,095 |
| Memoranda: | ||
| Average total assets | $48,158,500 | 6,133 |
| Average earning assets | $44,009,250 | 6,125 |
| Average equity | $7,004,500 | 5,634 |
| Average total loans | $27,312,000 | 5,932 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,735 |
| Cost of funding earning assets | 0.6145% | 2,810 |
| Net interest margin | 3.4853% | 3,837 |
| Noninterest income to average assets | 0.3573% | 4,832 |
| Noninterest expense to average assets | 1.7158% | 6,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7989% | 522 |
| Return on assets (ROA) | 1.7989% | 561 |
| Pretax return on assets | 1.7989% | 930 |
| Return on Equity (ROE) | 12.3826% | 1,380 |
| Retained earnings to average equity (ytd only) | -2.7167% | 6,275 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8180% | 6,495 |
| Assets per employee ($millions) | 5.3897% | 1,704 |
| Cash dividends to net income (ytd only)* | 121.9400% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 6,155 |
| 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 | 54.9178% | 4,462 |
| Net loans and leases to deposits | 64.9700% | 4,382 |
| Net loans and leases to core deposits | 66.8482% | 4,610 |
| Total domestic deposits to total assets | 84.5280% | 4,116 |
| Equity capital to assets | 14.1773% | 910 |
| Core capital (leverage) ratio | 14.2004% | 773 |
| Tier 1 risk-based capital ratio | 23.5663% | 1,054 |
| Total risk-based capital ratio | 24.3924% | 1,096 |
| Memoranda: | ||
| Average total assets | $48,141,000 | 6,178 |
| Average earning assets | $43,611,670 | 6,167 |
| Average equity | $6,993,670 | 5,682 |
| Average total loans | $27,274,000 | 5,968 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 3,331 |
| Cost of funding earning assets | 0.6253% | 2,876 |
| Net interest margin | 3.5678% | 3,393 |
| Noninterest income to average assets | 0.3753% | 4,661 |
| Noninterest expense to average assets | 1.7098% | 6,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9017% | 404 |
| Return on assets (ROA) | 1.9017% | 443 |
| Pretax return on assets | 1.9017% | 735 |
| Return on Equity (ROE) | 12.9325% | 1,188 |
| Retained earnings to average equity (ytd only) | -8.3381% | 6,542 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3441% | 6,637 |
| Assets per employee ($millions) | 5.2767% | 1,892 |
| Cash dividends to net income (ytd only)* | 164.4737% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 6,303 |
| 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 | 56.7930% | 3,965 |
| Net loans and leases to deposits | 68.2672% | 3,747 |
| Net loans and leases to core deposits | 70.3066% | 4,037 |
| Total domestic deposits to total assets | 83.1923% | 4,797 |
| Equity capital to assets | 14.7168% | 821 |
| Core capital (leverage) ratio | 14.1923% | 749 |
| Tier 1 risk-based capital ratio | 23.3286% | 1,107 |
| Total risk-based capital ratio | 24.1527% | 1,151 |
| Memoranda: | ||
| Average total assets | $47,958,000 | 6,249 |
| Average earning assets | $43,500,500 | 6,228 |
| Average equity | $7,052,000 | 5,731 |
| Average total loans | $27,471,500 | 6,008 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 3,217 |
| Cost of funding earning assets | 0.7898% | 2,750 |
| Net interest margin | 3.7578% | 3,401 |
| Noninterest income to average assets | 0.4126% | 4,508 |
| Noninterest expense to average assets | 1.8779% | 6,520 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.9651% | 380 |
| Return on assets (ROA) | 1.9651% | 412 |
| Pretax return on assets | 1.9651% | 641 |
| Return on Equity (ROE) | 13.3195% | 1,149 |
| Retained earnings to average equity (ytd only) | 4.2524% | 3,234 |
| Net charge-offs to loans | 0.0035% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 924.0000% | 37 |
| Efficiency ratio | 48.8655% | 6,659 |
| Assets per employee ($millions) | 5.3807% | 1,810 |
| Cash dividends to net income (ytd only)* | 68.0736% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 6,361 |
| 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 | 56.7712% | 4,148 |
| Net loans and leases to deposits | 67.5811% | 4,044 |
| Net loans and leases to core deposits | 69.9952% | 4,318 |
| Total domestic deposits to total assets | 84.0045% | 4,310 |
| Equity capital to assets | 14.6925% | 825 |
| Core capital (leverage) ratio | 14.3789% | 700 |
| Tier 1 risk-based capital ratio | 23.3458% | 1,058 |
| Total risk-based capital ratio | 24.1531% | 1,110 |
| Memoranda: | ||
| Average total assets | $47,020,000 | 6,286 |
| Average earning assets | $42,924,000 | 6,275 |
| Average equity | $6,937,200 | 5,784 |
| Average total loans | $28,202,200 | 6,032 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 3,186 |
| Cost of funding earning assets | 0.8176% | 2,796 |
| Net interest margin | 3.7854% | 3,401 |
| Noninterest income to average assets | 0.4286% | 4,421 |
| Noninterest expense to average assets | 1.8542% | 6,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0399% | 364 |
| Return on assets (ROA) | 2.0399% | 406 |
| Pretax return on assets | 2.0399% | 646 |
| Return on Equity (ROE) | 13.8113% | 1,148 |
| Retained earnings to average equity (ytd only) | 2.9595% | 4,779 |
| Net charge-offs to loans | 0.0047% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 715.7744% | 54 |
| Efficiency ratio | 47.6156% | 6,740 |
| Assets per employee ($millions) | 5.2402% | 1,891 |
| Cash dividends to net income (ytd only)* | 78.5710% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,497 |
| 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 | 59.1302% | 3,944 |
| Net loans and leases to deposits | 70.6590% | 3,808 |
| Net loans and leases to core deposits | 73.2519% | 4,078 |
| Total domestic deposits to total assets | 83.6839% | 4,364 |
| Equity capital to assets | 14.9188% | 842 |
| Core capital (leverage) ratio | 14.5076% | 705 |
| Tier 1 risk-based capital ratio | 22.7604% | 1,205 |
| Total risk-based capital ratio | 23.5639% | 1,255 |
| Memoranda: | ||
| Average total assets | $46,668,500 | 6,374 |
| Average earning assets | $42,724,750 | 6,352 |
| Average equity | $6,892,750 | 5,858 |
| Average total loans | $28,319,750 | 6,097 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 3,120 |
| Cost of funding earning assets | 0.8526% | 2,777 |
| Net interest margin | 3.8015% | 3,352 |
| Noninterest income to average assets | 0.4516% | 4,277 |
| Noninterest expense to average assets | 1.8364% | 6,710 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0858% | 344 |
| Return on assets (ROA) | 2.0858% | 385 |
| Pretax return on assets | 2.0858% | 591 |
| Return on Equity (ROE) | 14.1709% | 1,073 |
| Retained earnings to average equity (ytd only) | -0.2337% | 6,080 |
| Net charge-offs to loans | 0.0070% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 485.0000% | 83 |
| Efficiency ratio | 46.8202% | 6,841 |
| Assets per employee ($millions) | 5.0971% | 2,035 |
| Cash dividends to net income (ytd only)* | 101.6495% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 6,553 |
| 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 | 60.3697% | 3,755 |
| Net loans and leases to deposits | 72.2647% | 3,577 |
| Net loans and leases to core deposits | 74.9824% | 3,885 |
| Total domestic deposits to total assets | 83.5397% | 4,513 |
| Equity capital to assets | 15.0020% | 787 |
| Core capital (leverage) ratio | 14.2306% | 754 |
| Tier 1 risk-based capital ratio | 22.4747% | 1,202 |
| Total risk-based capital ratio | 23.2874% | 1,265 |
| Memoranda: | ||
| Average total assets | $46,504,000 | 6,424 |
| Average earning assets | $42,457,000 | 6,400 |
| Average equity | $6,845,000 | 5,893 |
| Average total loans | $28,384,000 | 6,135 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 3,202 |
| Cost of funding earning assets | 0.8930% | 2,745 |
| Net interest margin | 3.7694% | 3,519 |
| Noninterest income to average assets | 0.5126% | 3,829 |
| Noninterest expense to average assets | 1.8283% | 6,763 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1103% | 344 |
| Return on assets (ROA) | 2.1103% | 397 |
| Pretax return on assets | 2.1103% | 623 |
| Return on Equity (ROE) | 14.4730% | 1,083 |
| Retained earnings to average equity (ytd only) | -6.0353% | 6,661 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4208% | 6,876 |
| Assets per employee ($millions) | 4.6997% | 2,661 |
| Cash dividends to net income (ytd only)* | 141.7004% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 6,644 |
| Loan loss allowance to noncurrent loans | 144.3114% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 5,997 |
| Noncurrent loans to loans | 0.5873% | 5,488 |
| Net loans and leases to total assets | 59.9889% | 3,667 |
| Net loans and leases to deposits | 71.9099% | 3,444 |
| Net loans and leases to core deposits | 74.5314% | 3,833 |
| Total domestic deposits to total assets | 83.4223% | 4,747 |
| Equity capital to assets | 14.4116% | 884 |
| Core capital (leverage) ratio | 13.9625% | 814 |
| Tier 1 risk-based capital ratio | 21.5488% | 1,374 |
| Total risk-based capital ratio | 22.3426% | 1,443 |
| Memoranda: | ||
| Average total assets | $46,819,000 | 6,466 |
| Average earning assets | $42,553,000 | 6,439 |
| Average equity | $6,826,500 | 5,924 |
| Average total loans | $28,609,000 | 6,178 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 3,484 |
| Cost of funding earning assets | 1.0473% | 3,040 |
| Net interest margin | 3.8253% | 3,697 |
| Noninterest income to average assets | 0.3834% | 4,756 |
| Noninterest expense to average assets | 2.1035% | 6,485 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7851% | 471 |
| Return on assets (ROA) | 1.7851% | 514 |
| Pretax return on assets | 1.7851% | 830 |
| Return on Equity (ROE) | 12.4720% | 1,285 |
| Retained earnings to average equity (ytd only) | 4.0413% | 3,317 |
| Net charge-offs to loans | 0.0475% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 58.8571% | 488 |
| Efficiency ratio | 54.0947% | 6,507 |
| Assets per employee ($millions) | 4.6641% | 2,662 |
| Cash dividends to net income (ytd only)* | 67.5971% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,671 |
| Loan loss allowance to noncurrent loans | 194.3548% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 5,072 |
| Noncurrent loans to loans | 0.4308% | 5,848 |
| Net loans and leases to total assets | 61.1972% | 3,742 |
| Net loans and leases to deposits | 73.0187% | 3,660 |
| Net loans and leases to core deposits | 75.6567% | 4,027 |
| Total domestic deposits to total assets | 83.8104% | 4,408 |
| Equity capital to assets | 14.7510% | 833 |
| Core capital (leverage) ratio | 14.1960% | 777 |
| Tier 1 risk-based capital ratio | 21.5278% | 1,315 |
| Total risk-based capital ratio | 22.3086% | 1,379 |
| Memoranda: | ||
| Average total assets | $46,160,800 | 6,478 |
| Average earning assets | $42,297,800 | 6,454 |
| Average equity | $6,606,800 | 5,981 |
| Average total loans | $29,476,200 | 6,183 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 3,555 |
| Cost of funding earning assets | 1.0690% | 3,182 |
| Net interest margin | 3.8315% | 3,710 |
| Noninterest income to average assets | 0.3823% | 4,788 |
| Noninterest expense to average assets | 2.0619% | 6,567 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8389% | 482 |
| Return on assets (ROA) | 1.8389% | 520 |
| Pretax return on assets | 1.8389% | 886 |
| Return on Equity (ROE) | 12.9487% | 1,289 |
| Retained earnings to average equity (ytd only) | 2.8141% | 4,671 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8582% | 6,606 |
| Assets per employee ($millions) | 4.6245% | 2,717 |
| Cash dividends to net income (ytd only)* | 78.2673% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 6,673 |
| Loan loss allowance to noncurrent loans | 205.6452% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 5,193 |
| Noncurrent loans to loans | 0.4252% | 5,988 |
| Net loans and leases to total assets | 62.5149% | 3,607 |
| Net loans and leases to deposits | 74.5641% | 3,579 |
| Net loans and leases to core deposits | 76.7128% | 4,095 |
| Total domestic deposits to total assets | 83.8404% | 4,308 |
| Equity capital to assets | 14.5854% | 962 |
| Core capital (leverage) ratio | 14.0277% | 897 |
| Tier 1 risk-based capital ratio | 20.9673% | 1,462 |
| Total risk-based capital ratio | 21.7878% | 1,523 |
| Memoranda: | ||
| Average total assets | $46,040,750 | 6,537 |
| Average earning assets | $42,280,500 | 6,509 |
| Average equity | $6,538,500 | 6,047 |
| Average total loans | $29,649,250 | 6,234 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 3,586 |
| Cost of funding earning assets | 1.0933% | 3,295 |
| Net interest margin | 3.8147% | 3,709 |
| Noninterest income to average assets | 0.3785% | 4,862 |
| Noninterest expense to average assets | 2.0708% | 6,653 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8141% | 487 |
| Return on assets (ROA) | 1.8141% | 519 |
| Pretax return on assets | 1.8141% | 853 |
| Return on Equity (ROE) | 12.8909% | 1,225 |
| Retained earnings to average equity (ytd only) | -0.6183% | 5,987 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3035% | 6,684 |
| Assets per employee ($millions) | 4.6328% | 2,638 |
| Cash dividends to net income (ytd only)* | 104.7962% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 6,728 |
| Loan loss allowance to noncurrent loans | 219.8276% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 5,524 |
| Noncurrent loans to loans | 0.3957% | 6,110 |
| Net loans and leases to total assets | 62.7202% | 3,734 |
| Net loans and leases to deposits | 74.4193% | 3,728 |
| Net loans and leases to core deposits | 75.0536% | 4,428 |
| Total domestic deposits to total assets | 84.2795% | 4,224 |
| Equity capital to assets | 14.1297% | 1,055 |
| Core capital (leverage) ratio | 13.7574% | 932 |
| Tier 1 risk-based capital ratio | 20.4431% | 1,522 |
| Total risk-based capital ratio | 21.2630% | 1,584 |
| Memoranda: | ||
| Average total assets | $45,972,670 | 6,597 |
| Average earning assets | $42,258,000 | 6,566 |
| Average equity | $6,469,670 | 6,093 |
| Average total loans | $29,810,670 | 6,287 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9531% | 3,317 |
| Cost of funding earning assets | 1.1102% | 3,457 |
| Net interest margin | 3.8430% | 3,403 |
| Noninterest income to average assets | 0.3843% | 4,836 |
| Noninterest expense to average assets | 2.0963% | 6,645 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8255% | 469 |
| Return on assets (ROA) | 1.8255% | 495 |
| Pretax return on assets | 1.8255% | 778 |
| Return on Equity (ROE) | 12.9985% | 1,201 |
| Retained earnings to average equity (ytd only) | -7.2145% | 6,692 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4521% | 6,747 |
| Assets per employee ($millions) | 4.6054% | 2,721 |
| Cash dividends to net income (ytd only)* | 155.5024% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 6,818 |
| Loan loss allowance to noncurrent loans | 79.6875% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 5,553 |
| Noncurrent loans to loans | 1.0680% | 4,913 |
| Net loans and leases to total assets | 64.5047% | 3,351 |
| Net loans and leases to deposits | 76.2813% | 3,374 |
| Net loans and leases to core deposits | 76.9691% | 4,165 |
| Total domestic deposits to total assets | 84.5616% | 4,245 |
| Equity capital to assets | 13.8424% | 1,052 |
| Core capital (leverage) ratio | 13.7310% | 906 |
| Tier 1 risk-based capital ratio | 19.8983% | 1,606 |
| Total risk-based capital ratio | 20.7086% | 1,674 |
| Memoranda: | ||
| Average total assets | $45,795,000 | 6,646 |
| Average earning assets | $42,155,000 | 6,612 |
| Average equity | $6,431,500 | 6,114 |
| Average total loans | $30,060,000 | 6,331 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4495% | 2,477 |
| Cost of funding earning assets | 1.3755% | 3,422 |
| Net interest margin | 4.0740% | 2,684 |
| Noninterest income to average assets | 0.4125% | 4,803 |
| Noninterest expense to average assets | 2.1906% | 6,643 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8090% | 409 |
| Return on assets (ROA) | 1.8090% | 444 |
| Pretax return on assets | 1.8090% | 744 |
| Return on Equity (ROE) | 12.9114% | 1,109 |
| Retained earnings to average equity (ytd only) | 3.3381% | 3,529 |
| Net charge-offs to loans | 0.0132% | 6,697 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 120 |
| Efficiency ratio | 54.7711% | 6,738 |
| Assets per employee ($millions) | 4.5536% | 2,778 |
| Cash dividends to net income (ytd only)* | 74.1463% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 6,864 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 6,163 |
| Noncurrent loans to loans | 0.6764% | 5,693 |
| Net loans and leases to total assets | 65.6689% | 3,532 |
| Net loans and leases to deposits | 78.0716% | 3,499 |
| Net loans and leases to core deposits | 78.7875% | 4,368 |
| Total domestic deposits to total assets | 84.1137% | 4,310 |
| Equity capital to assets | 14.2481% | 967 |
| Core capital (leverage) ratio | 13.8355% | 879 |
| Tier 1 risk-based capital ratio | 20.0528% | 1,478 |
| Total risk-based capital ratio | 20.8544% | 1,540 |
| Memoranda: | ||
| Average total assets | $45,329,600 | 6,688 |
| Average earning assets | $39,912,000 | 6,719 |
| Average equity | $6,351,000 | 6,251 |
| Average total loans | $30,283,200 | 6,381 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5998% | 2,061 |
| Cost of funding earning assets | 1.4211% | 3,452 |
| Net interest margin | 4.1787% | 2,297 |
| Noninterest income to average assets | 0.3858% | 5,071 |
| Noninterest expense to average assets | 2.1850% | 6,648 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8287% | 464 |
| Return on assets (ROA) | 1.8287% | 513 |
| Pretax return on assets | 1.8287% | 877 |
| Return on Equity (ROE) | 13.1077% | 1,229 |
| Retained earnings to average equity (ytd only) | 1.4142% | 5,239 |
| Net charge-offs to loans | 0.0176% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 155.3433% | 206 |
| Efficiency ratio | 54.4387% | 6,748 |
| Assets per employee ($millions) | 4.5017% | 2,907 |
| Cash dividends to net income (ytd only)* | 89.2111% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 6,931 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 6,292 |
| Noncurrent loans to loans | 0.6678% | 5,866 |
| Net loans and leases to total assets | 67.2879% | 3,384 |
| Net loans and leases to deposits | 80.1498% | 3,423 |
| Net loans and leases to core deposits | 80.8817% | 4,398 |
| Total domestic deposits to total assets | 83.9527% | 4,156 |
| Equity capital to assets | 14.2657% | 1,098 |
| Core capital (leverage) ratio | 13.7521% | 980 |
| Tier 1 risk-based capital ratio | 19.3632% | 1,670 |
| Total risk-based capital ratio | 20.1553% | 1,735 |
| Memoranda: | ||
| Average total assets | $45,278,000 | 6,772 |
| Average earning assets | $39,309,750 | 6,824 |
| Average equity | $6,316,750 | 6,348 |
| Average total loans | $30,314,500 | 6,460 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6117% | 2,095 |
| Cost of funding earning assets | 1.4555% | 3,529 |
| Net interest margin | 4.1563% | 2,306 |
| Noninterest income to average assets | 0.3924% | 4,969 |
| Noninterest expense to average assets | 2.1382% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8296% | 459 |
| Return on assets (ROA) | 1.8296% | 498 |
| Pretax return on assets | 1.8296% | 839 |
| Return on Equity (ROE) | 13.2130% | 1,191 |
| Retained earnings to average equity (ytd only) | -2.7700% | 6,266 |
| Net charge-offs to loans | 0.0265% | 5,968 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 103.7500% | 314 |
| Efficiency ratio | 53.8889% | 6,892 |
| Assets per employee ($millions) | 4.5236% | 2,838 |
| Cash dividends to net income (ytd only)* | 120.9639% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 6,940 |
| Loan loss allowance to noncurrent loans | 66.5796% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 5,418 |
| Noncurrent loans to loans | 1.2611% | 4,858 |
| Net loans and leases to total assets | 66.5731% | 3,717 |
| Net loans and leases to deposits | 78.7176% | 3,848 |
| Net loans and leases to core deposits | 79.4277% | 4,752 |
| Total domestic deposits to total assets | 84.5720% | 3,835 |
| Equity capital to assets | 13.6595% | 1,283 |
| Core capital (leverage) ratio | 13.4218% | 1,087 |
| Tier 1 risk-based capital ratio | 18.9850% | 1,725 |
| Total risk-based capital ratio | 19.7814% | 1,790 |
| Memoranda: | ||
| Average total assets | $45,365,000 | 6,817 |
| Average earning assets | $39,025,330 | 6,885 |
| Average equity | $6,281,670 | 6,380 |
| Average total loans | $30,237,330 | 6,512 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6571% | 1,929 |
| Cost of funding earning assets | 1.5044% | 3,528 |
| Net interest margin | 4.1527% | 2,217 |
| Noninterest income to average assets | 0.3962% | 4,942 |
| Noninterest expense to average assets | 2.0515% | 7,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8930% | 414 |
| Return on assets (ROA) | 1.8930% | 448 |
| Pretax return on assets | 1.8930% | 739 |
| Return on Equity (ROE) | 13.5797% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.5797% | 549 |
| Net charge-offs to loans | 0.0530% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 53.7500% | 541 |
| Efficiency ratio | 52.0089% | 7,152 |
| Assets per employee ($millions) | 4.4911% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 6,981 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 6,332 |
| Noncurrent loans to loans | 0.6824% | 5,967 |
| Net loans and leases to total assets | 65.9972% | 3,850 |
| Net loans and leases to deposits | 78.7230% | 3,900 |
| Net loans and leases to core deposits | 80.4451% | 4,708 |
| Total domestic deposits to total assets | 83.8347% | 4,230 |
| Equity capital to assets | 14.3684% | 1,044 |
| Core capital (leverage) ratio | 14.0693% | 945 |
| Tier 1 risk-based capital ratio | 19.9800% | 1,523 |
| Total risk-based capital ratio | 20.7784% | 1,582 |
| Memoranda: | ||
| Average total assets | $45,429,500 | 6,897 |
| Average earning assets | $38,818,500 | 6,983 |
| Average equity | $6,333,000 | 6,401 |
| Average total loans | $30,171,000 | 6,597 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9244% | 2,143 |
| Cost of funding earning assets | 1.7146% | 4,432 |
| Net interest margin | 4.2098% | 2,032 |
| Noninterest income to average assets | 0.4160% | 5,078 |
| Noninterest expense to average assets | 2.1549% | 7,075 |
| Loan and lease loss provision to assets | 0.0136% | 7,356 |
| Net operating income to assets | 2.0481% | 207 |
| Return on assets (ROA) | 2.0481% | 225 |
| Pretax return on assets | 2.0481% | 372 |
| Return on Equity (ROE) | 15.0037% | 671 |
| Retained earnings to average equity (ytd only) | 6.7109% | 1,064 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1051% | 7,462 |
| Assets per employee ($millions) | 4.5948% | 2,774 |
| Cash dividends to net income (ytd only)* | 55.2719% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 6,980 |
| Loan loss allowance to noncurrent loans | 119.9074% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 6,280 |
| Noncurrent loans to loans | 0.7094% | 5,829 |
| Net loans and leases to total assets | 65.7004% | 4,233 |
| Net loans and leases to deposits | 77.5423% | 4,468 |
| Net loans and leases to core deposits | 93.6875% | 4,706 |
| Total domestic deposits to total assets | 84.7284% | 3,696 |
| Equity capital to assets | 13.5218% | 1,312 |
| Core capital (leverage) ratio | 13.7477% | 1,029 |
| Tier 1 risk-based capital ratio | 18.9443% | 1,665 |
| Total risk-based capital ratio | 19.7401% | 1,718 |
| Memoranda: | ||
| Average total assets | $43,992,400 | 6,943 |
| Average earning assets | $39,717,000 | 6,951 |
| Average equity | $6,005,200 | 6,600 |
| Average total loans | $30,137,600 | 6,616 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9549% | 2,214 |
| Cost of funding earning assets | 1.7401% | 4,694 |
| Net interest margin | 4.2148% | 1,989 |
| Noninterest income to average assets | 0.4107% | 5,208 |
| Noninterest expense to average assets | 2.1730% | 7,043 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1055% | 233 |
| Return on assets (ROA) | 2.1055% | 252 |
| Pretax return on assets | 2.1055% | 436 |
| Return on Equity (ROE) | 15.3862% | 720 |
| Retained earnings to average equity (ytd only) | 5.6661% | 2,119 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7880% | 7,501 |
| Assets per employee ($millions) | 4.2982% | 3,211 |
| Cash dividends to net income (ytd only)* | 63.1728% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 7,006 |
| Loan loss allowance to noncurrent loans | 116.0550% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 6,197 |
| Noncurrent loans to loans | 0.7191% | 5,869 |
| Net loans and leases to total assets | 69.9386% | 3,529 |
| Net loans and leases to deposits | 83.4819% | 3,736 |
| Net loans and leases to core deposits | 101.6605% | 4,190 |
| Total domestic deposits to total assets | 83.7769% | 3,829 |
| Equity capital to assets | 14.2246% | 1,230 |
| Core capital (leverage) ratio | 13.9799% | 1,095 |
| Tier 1 risk-based capital ratio | 18.8700% | 1,776 |
| Total risk-based capital ratio | 19.6637% | 1,833 |
| Memoranda: | ||
| Average total assets | $43,503,500 | 7,014 |
| Average earning assets | $39,921,250 | 7,002 |
| Average equity | $5,953,250 | 6,679 |
| Average total loans | $30,060,250 | 6,675 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9849% | 2,244 |
| Cost of funding earning assets | 1.7722% | 4,901 |
| Net interest margin | 4.2127% | 1,949 |
| Noninterest income to average assets | 0.4167% | 5,148 |
| Noninterest expense to average assets | 2.0606% | 7,356 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2529% | 175 |
| Return on assets (ROA) | 2.2529% | 195 |
| Pretax return on assets | 2.2529% | 320 |
| Return on Equity (ROE) | 16.6789% | 620 |
| Retained earnings to average equity (ytd only) | 1.9662% | 4,247 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7707% | 7,766 |
| Assets per employee ($millions) | 4.7621% | 2,378 |
| Cash dividends to net income (ytd only)* | 88.2114% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 7,106 |
| Loan loss allowance to noncurrent loans | 114.4796% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 6,142 |
| Noncurrent loans to loans | 0.7108% | 5,816 |
| Net loans and leases to total assets | 71.9522% | 3,240 |
| Net loans and leases to deposits | 85.3482% | 3,673 |
| Net loans and leases to core deposits | 103.2960% | 4,147 |
| Total domestic deposits to total assets | 84.3043% | 3,593 |
| Equity capital to assets | 13.6611% | 1,435 |
| Core capital (leverage) ratio | 13.4223% | 1,295 |
| Tier 1 risk-based capital ratio | 18.0502% | 2,008 |
| Total risk-based capital ratio | 18.8347% | 2,075 |
| Memoranda: | ||
| Average total assets | $43,677,330 | 7,068 |
| Average earning assets | $40,401,670 | 7,040 |
| Average equity | $5,899,670 | 6,759 |
| Average total loans | $29,975,670 | 6,734 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 2,402 |
| Cost of funding earning assets | 1.8000% | 5,114 |
| Net interest margin | 4.1901% | 1,936 |
| Noninterest income to average assets | 0.4264% | 4,991 |
| Noninterest expense to average assets | 1.8781% | 7,591 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.4134% | 153 |
| Return on assets (ROA) | 2.4134% | 183 |
| Pretax return on assets | 2.4134% | 292 |
| Return on Equity (ROE) | 17.9669% | 591 |
| Retained earnings to average equity (ytd only) | 17.9669% | 233 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7632% | 7,939 |
| Assets per employee ($millions) | 4.8182% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 6,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 67.5099% | 4,238 |
| Net loans and leases to deposits | 80.3530% | 4,557 |
| Net loans and leases to core deposits | 97.4794% | 4,801 |
| Total domestic deposits to total assets | 84.0167% | 3,693 |
| Equity capital to assets | 13.9932% | 1,369 |
| Core capital (leverage) ratio | 13.6412% | 1,282 |
| Tier 1 risk-based capital ratio | 19.4817% | 1,724 |
| Total risk-based capital ratio | 20.2992% | 1,766 |
| Memoranda: | ||
| Average total assets | $44,086,500 | 7,099 |
| Average earning assets | $40,667,500 | 7,071 |
| Average equity | $5,922,000 | 6,802 |
| Average total loans | $29,418,000 | 6,802 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2587% | 4,192 |
| Cost of funding earning assets | 2.3668% | 4,865 |
| Net interest margin | 3.8919% | 3,599 |
| Noninterest income to average assets | 0.4249% | 5,263 |
| Noninterest expense to average assets | 2.3509% | 6,563 |
| Loan and lease loss provision to assets | 0.0300% | 7,025 |
| Net operating income to assets | 1.6211% | 807 |
| Return on assets (ROA) | 1.6211% | 765 |
| Pretax return on assets | 1.6211% | 1,330 |
| Return on Equity (ROE) | 12.4893% | 1,448 |
| Retained earnings to average equity (ytd only) | 4.1097% | 2,576 |
| Net charge-offs to loans | 0.0609% | 5,907 |
| Credit loss provision to net charge-offs | 76.4706% | 5,968 |
| Earnings coverage of net charge-offs (x) | 42.0588% | 877 |
| Efficiency ratio | 58.7421% | 6,568 |
| Assets per employee ($millions) | 4.9788% | 1,961 |
| Cash dividends to net income (ytd only)* | 67.0940% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 6,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.8419% | 5,096 |
| Net loans and leases to deposits | 76.1479% | 5,576 |
| Net loans and leases to core deposits | 93.6503% | 5,477 |
| Total domestic deposits to total assets | 85.1525% | 2,773 |
| Equity capital to assets | 12.8903% | 1,833 |
| Core capital (leverage) ratio | 13.1632% | 1,493 |
| Tier 1 risk-based capital ratio | 18.5753% | 1,901 |
| Total risk-based capital ratio | 19.3908% | 1,958 |
| Memoranda: | ||
| Average total assets | $43,302,800 | 7,061 |
| Average earning assets | $39,800,600 | 7,048 |
| Average equity | $5,620,800 | 6,940 |
| Average total loans | $27,899,800 | 6,851 |