Home > Avon State Bank > Performance and Condition Ratios
Avon State Bank, Performance and Condition Ratios
| 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 | 2.8497% | 5,533 |
| Cost of funding earning assets | 0.1779% | 5,158 |
| Net interest margin | 2.6719% | 5,390 |
| Noninterest income to average assets | 0.0815% | 5,568 |
| Noninterest expense to average assets | 1.3131% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7303% | 3,707 |
| Return on assets (ROA) | 0.7303% | 3,769 |
| Pretax return on assets | 1.2177% | 2,710 |
| Return on Equity (ROE) | 5.8302% | 4,121 |
| Retained earnings to average equity (ytd only) | 1.6757% | 4,588 |
| 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 | 51.8849% | 5,188 |
| Assets per employee ($millions) | 8.3737% | 529 |
| Cash dividends to net income (ytd only)* | 71.2589% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 5,112 |
| Noncurrent loans to loans | 0.1057% | 4,706 |
| Net loans and leases to total assets | 34.7489% | 5,420 |
| Net loans and leases to deposits | 40.3411% | 5,445 |
| Net loans and leases to core deposits | 40.6318% | 5,480 |
| Total domestic deposits to total assets | 86.1379% | 2,321 |
| Equity capital to assets | 13.4423% | 1,172 |
| Core capital (leverage) ratio | 8.5405% | 5,186 |
| Tier 1 risk-based capital ratio | 23.8191% | 870 |
| Total risk-based capital ratio | 23.8191% | 972 |
| Memoranda: | ||
| Average total assets | $115,301,330 | 4,038 |
| Average earning assets | $105,694,330 | 4,055 |
| Average equity | $14,442,000 | 3,830 |
| Average total loans | $38,555,000 | 4,856 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7565% | 5,617 |
| Cost of funding earning assets | 0.1764% | 5,182 |
| Net interest margin | 2.5801% | 5,486 |
| Noninterest income to average assets | 0.0945% | 5,611 |
| Noninterest expense to average assets | 1.1812% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7796% | 3,314 |
| Return on assets (ROA) | 0.7796% | 3,371 |
| Pretax return on assets | 1.2825% | 2,294 |
| Return on Equity (ROE) | 6.4406% | 3,696 |
| Retained earnings to average equity (ytd only) | 4.2101% | 3,349 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9452% | 5,470 |
| Assets per employee ($millions) | 8.2581% | 555 |
| Cash dividends to net income (ytd only)* | 34.6320% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 5,157 |
| Noncurrent loans to loans | 0.1141% | 4,737 |
| Net loans and leases to total assets | 33.3463% | 5,488 |
| Net loans and leases to deposits | 38.2827% | 5,517 |
| Net loans and leases to core deposits | 38.5387% | 5,562 |
| Total domestic deposits to total assets | 87.1054% | 2,155 |
| Equity capital to assets | 12.5521% | 1,495 |
| Core capital (leverage) ratio | 8.0359% | 5,547 |
| Tier 1 risk-based capital ratio | 23.6975% | 897 |
| Total risk-based capital ratio | 23.6975% | 1,021 |
| Memoranda: | ||
| Average total assets | $118,523,000 | 4,023 |
| Average earning assets | $108,832,000 | 4,027 |
| Average equity | $14,346,500 | 3,868 |
| Average total loans | $38,919,000 | 4,889 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2934% | 5,909 |
| Cost of funding earning assets | 0.0352% | 5,858 |
| Net interest margin | 0.2581% | 5,909 |
| Noninterest income to average assets | 0.0064% | 5,844 |
| Noninterest expense to average assets | 0.1282% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0808% | 5,583 |
| Return on assets (ROA) | 0.0754% | 5,613 |
| Pretax return on assets | 0.1163% | 5,581 |
| Return on Equity (ROE) | 0.6122% | 5,614 |
| Retained earnings to average equity (ytd only) | 0.6122% | 5,083 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7194% | 5,454 |
| Assets per employee ($millions) | 8.6737% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,888 |
| Noncurrent loans to loans | 0.3309% | 3,954 |
| Net loans and leases to total assets | 32.3514% | 5,588 |
| Net loans and leases to deposits | 36.7057% | 5,629 |
| Net loans and leases to core deposits | 36.9359% | 5,660 |
| Total domestic deposits to total assets | 88.1374% | 1,570 |
| Equity capital to assets | 11.6781% | 2,020 |
| Core capital (leverage) ratio | 8.4380% | 5,328 |
| Tier 1 risk-based capital ratio | 23.1932% | 950 |
| Total risk-based capital ratio | 23.1932% | 1,065 |
| Memoranda: | ||
| Average total assets | $110,015,000 | 4,159 |
| Average earning assets | $104,982,000 | 4,099 |
| Average equity | $13,558,000 | 4,014 |
| Average total loans | $40,870,600 | 4,845 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7536% | 5,736 |
| Cost of funding earning assets | 0.2836% | 4,270 |
| Net interest margin | 2.4700% | 5,672 |
| Noninterest income to average assets | 0.2003% | 5,265 |
| Noninterest expense to average assets | 1.6722% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9120% | 2,846 |
| Return on assets (ROA) | 0.9120% | 2,972 |
| Pretax return on assets | 0.9120% | 3,940 |
| Return on Equity (ROE) | 7.2921% | 3,406 |
| Retained earnings to average equity (ytd only) | -8.7744% | 5,834 |
| Net charge-offs to loans | 0.0129% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 183.3602% | 396 |
| Efficiency ratio | 64.7087% | 3,813 |
| Assets per employee ($millions) | 6.7990% | 961 |
| Cash dividends to net income (ytd only)* | 220.3272% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,505 |
| Loan loss allowance to noncurrent loans | 701.2658% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 5,145 |
| Noncurrent loans to loans | 0.1906% | 4,585 |
| Net loans and leases to total assets | 37.6011% | 5,486 |
| Net loans and leases to deposits | 42.8476% | 5,553 |
| Net loans and leases to core deposits | 43.1472% | 5,607 |
| Total domestic deposits to total assets | 87.7556% | 1,525 |
| Equity capital to assets | 12.1452% | 2,008 |
| Core capital (leverage) ratio | 11.7944% | 1,817 |
| Tier 1 risk-based capital ratio | 31.9188% | 413 |
| Total risk-based capital ratio | 33.1662% | 408 |
| Memoranda: | ||
| Average total assets | $107,160,750 | 4,260 |
| Average earning assets | $103,424,750 | 4,155 |
| Average equity | $13,402,250 | 4,069 |
| Average total loans | $41,267,000 | 4,880 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8254% | 5,789 |
| Cost of funding earning assets | 0.2860% | 4,286 |
| Net interest margin | 2.5393% | 5,716 |
| Noninterest income to average assets | 0.1463% | 5,575 |
| Noninterest expense to average assets | 1.6188% | 5,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9754% | 2,495 |
| Return on assets (ROA) | 0.9754% | 2,642 |
| Pretax return on assets | 0.9754% | 3,676 |
| Return on Equity (ROE) | 7.7233% | 3,128 |
| Retained earnings to average equity (ytd only) | -14.4367% | 5,929 |
| Net charge-offs to loans | -0.0097% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4006% | 4,286 |
| Assets per employee ($millions) | 6.1932% | 1,265 |
| Cash dividends to net income (ytd only)* | 286.9231% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 2,484 |
| Loan loss allowance to noncurrent loans | 1,018.1818% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,348 |
| Noncurrent loans to loans | 0.1336% | 4,905 |
| Net loans and leases to total assets | 38.5567% | 5,490 |
| Net loans and leases to deposits | 44.5168% | 5,542 |
| Net loans and leases to core deposits | 44.8424% | 5,600 |
| Total domestic deposits to total assets | 86.6115% | 2,106 |
| Equity capital to assets | 12.5831% | 1,719 |
| Core capital (leverage) ratio | 11.8305% | 1,742 |
| Tier 1 risk-based capital ratio | 31.9090% | 420 |
| Total risk-based capital ratio | 33.1599% | 415 |
| Memoranda: | ||
| Average total assets | $106,619,670 | 4,300 |
| Average earning assets | $102,782,330 | 4,203 |
| Average equity | $13,465,670 | 4,082 |
| Average total loans | $41,203,330 | 4,931 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8284% | 5,839 |
| Cost of funding earning assets | 0.2859% | 4,317 |
| Net interest margin | 2.5425% | 5,774 |
| Noninterest income to average assets | 0.0969% | 5,834 |
| Noninterest expense to average assets | 1.4839% | 5,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0663% | 2,023 |
| Return on assets (ROA) | 1.0663% | 2,139 |
| Pretax return on assets | 1.0663% | 3,217 |
| Return on Equity (ROE) | 8.4276% | 2,694 |
| Retained earnings to average equity (ytd only) | -7.0721% | 5,721 |
| Net charge-offs to loans | -0.0097% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1871% | 4,974 |
| Assets per employee ($millions) | 6.2949% | 1,224 |
| Cash dividends to net income (ytd only)* | 183.9161% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 2,582 |
| Loan loss allowance to noncurrent loans | 963.7931% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 5,096 |
| Noncurrent loans to loans | 0.1417% | 4,914 |
| Net loans and leases to total assets | 37.7291% | 5,564 |
| Net loans and leases to deposits | 43.5376% | 5,610 |
| Net loans and leases to core deposits | 43.8496% | 5,659 |
| Total domestic deposits to total assets | 86.6586% | 2,377 |
| Equity capital to assets | 12.7807% | 1,519 |
| Core capital (leverage) ratio | 12.5108% | 1,334 |
| Tier 1 risk-based capital ratio | 32.9569% | 396 |
| Total risk-based capital ratio | 34.2077% | 392 |
| Memoranda: | ||
| Average total assets | $107,287,500 | 4,323 |
| Average earning assets | $103,521,000 | 4,224 |
| Average equity | $13,574,500 | 4,065 |
| Average total loans | $41,228,000 | 4,969 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9442% | 5,783 |
| Cost of funding earning assets | 0.3114% | 4,122 |
| Net interest margin | 2.6328% | 5,730 |
| Noninterest income to average assets | 0.8487% | 1,610 |
| Noninterest expense to average assets | 1.8249% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5663% | 756 |
| Return on assets (ROA) | 1.5663% | 779 |
| Pretax return on assets | 1.5663% | 1,355 |
| Return on Equity (ROE) | 12.7710% | 1,102 |
| Retained earnings to average equity (ytd only) | 0.7409% | 5,220 |
| Net charge-offs to loans | 0.1872% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 20.9000% | 1,846 |
| Efficiency ratio | 53.8122% | 5,532 |
| Assets per employee ($millions) | 6.3272% | 1,180 |
| Cash dividends to net income (ytd only)* | 94.1986% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 2,693 |
| Loan loss allowance to noncurrent loans | 930.0000% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 5,104 |
| Noncurrent loans to loans | 0.1445% | 4,916 |
| Net loans and leases to total assets | 38.0841% | 5,619 |
| Net loans and leases to deposits | 43.5769% | 5,664 |
| Net loans and leases to core deposits | 43.8840% | 5,719 |
| Total domestic deposits to total assets | 87.3952% | 1,931 |
| Equity capital to assets | 12.5249% | 1,612 |
| Core capital (leverage) ratio | 12.6558% | 1,280 |
| Tier 1 risk-based capital ratio | 32.5040% | 413 |
| Total risk-based capital ratio | 33.7588% | 403 |
| Memoranda: | ||
| Average total assets | $106,748,200 | 4,318 |
| Average earning assets | $103,085,200 | 4,209 |
| Average equity | $13,092,200 | 4,124 |
| Average total loans | $42,739,800 | 4,907 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9297% | 5,869 |
| Cost of funding earning assets | 0.3156% | 4,159 |
| Net interest margin | 2.6141% | 5,821 |
| Noninterest income to average assets | 0.1664% | 5,648 |
| Noninterest expense to average assets | 1.7857% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9098% | 2,916 |
| Return on assets (ROA) | 0.9098% | 3,008 |
| Pretax return on assets | 0.9098% | 3,953 |
| Return on Equity (ROE) | 7.4578% | 3,367 |
| Retained earnings to average equity (ytd only) | -4.0110% | 5,991 |
| Net charge-offs to loans | 0.2478% | 1,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 9.0878% | 2,737 |
| Efficiency ratio | 66.2488% | 3,851 |
| Assets per employee ($millions) | 6.1639% | 1,266 |
| Cash dividends to net income (ytd only)* | 153.7826% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,996 |
| Loan loss allowance to noncurrent loans | 120.7792% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 3,788 |
| Noncurrent loans to loans | 1.0922% | 2,299 |
| Net loans and leases to total assets | 39.8360% | 5,600 |
| Net loans and leases to deposits | 45.6098% | 5,668 |
| Net loans and leases to core deposits | 45.9391% | 5,732 |
| Total domestic deposits to total assets | 87.3410% | 1,873 |
| Equity capital to assets | 12.5579% | 1,713 |
| Core capital (leverage) ratio | 12.4583% | 1,438 |
| Tier 1 risk-based capital ratio | 30.9373% | 471 |
| Total risk-based capital ratio | 32.1882% | 466 |
| Memoranda: | ||
| Average total assets | $106,544,750 | 4,373 |
| Average earning assets | $103,081,250 | 4,258 |
| Average equity | $12,997,250 | 4,184 |
| Average total loans | $43,044,250 | 4,948 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9161% | 5,931 |
| Cost of funding earning assets | 0.3204% | 4,154 |
| Net interest margin | 2.5958% | 5,888 |
| Noninterest income to average assets | 0.1904% | 5,537 |
| Noninterest expense to average assets | 1.8015% | 5,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8998% | 2,878 |
| Return on assets (ROA) | 0.8998% | 2,999 |
| Pretax return on assets | 0.8998% | 3,955 |
| Return on Equity (ROE) | 7.4479% | 3,348 |
| Retained earnings to average equity (ytd only) | -8.1741% | 6,133 |
| Net charge-offs to loans | 0.2957% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.5313% | 2,660 |
| Efficiency ratio | 66.6897% | 3,885 |
| Assets per employee ($millions) | 6.1364% | 1,251 |
| Cash dividends to net income (ytd only)* | 209.7510% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,994 |
| Loan loss allowance to noncurrent loans | 96.9595% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 3,420 |
| Noncurrent loans to loans | 1.3914% | 1,943 |
| Net loans and leases to total assets | 40.2362% | 5,615 |
| Net loans and leases to deposits | 45.9813% | 5,678 |
| Net loans and leases to core deposits | 46.3131% | 5,752 |
| Total domestic deposits to total assets | 87.5056% | 1,900 |
| Equity capital to assets | 11.8588% | 2,134 |
| Core capital (leverage) ratio | 12.2379% | 1,518 |
| Tier 1 risk-based capital ratio | 30.0507% | 544 |
| Total risk-based capital ratio | 31.3020% | 534 |
| Memoranda: | ||
| Average total assets | $107,130,670 | 4,401 |
| Average earning assets | $103,630,000 | 4,284 |
| Average equity | $12,943,330 | 4,222 |
| Average total loans | $43,292,000 | 4,982 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8892% | 6,001 |
| Cost of funding earning assets | 0.3202% | 4,225 |
| Net interest margin | 2.5691% | 5,951 |
| Noninterest income to average assets | 0.0884% | 6,126 |
| Noninterest expense to average assets | 1.6289% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9435% | 2,541 |
| Return on assets (ROA) | 0.9435% | 2,672 |
| Pretax return on assets | 0.9435% | 3,722 |
| Return on Equity (ROE) | 7.7403% | 3,100 |
| Retained earnings to average equity (ytd only) | -0.9373% | 5,549 |
| Net charge-offs to loans | 0.6046% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.8788% | 2,554 |
| Efficiency ratio | 63.3238% | 4,582 |
| Assets per employee ($millions) | 6.3301% | 1,176 |
| Cash dividends to net income (ytd only)* | 112.1094% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 3,268 |
| Loan loss allowance to noncurrent loans | 140.4412% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 3,017 |
| Noncurrent loans to loans | 0.9446% | 2,890 |
| Net loans and leases to total assets | 39.6075% | 5,618 |
| Net loans and leases to deposits | 45.5076% | 5,676 |
| Net loans and leases to core deposits | 45.8262% | 5,765 |
| Total domestic deposits to total assets | 87.0348% | 2,348 |
| Equity capital to assets | 12.6270% | 1,614 |
| Core capital (leverage) ratio | 12.4535% | 1,380 |
| Tier 1 risk-based capital ratio | 30.7486% | 505 |
| Total risk-based capital ratio | 31.9974% | 499 |
| Memoranda: | ||
| Average total assets | $108,536,500 | 4,399 |
| Average earning assets | $104,941,500 | 4,276 |
| Average equity | $13,229,500 | 4,195 |
| Average total loans | $43,664,000 | 4,994 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1424% | 5,908 |
| Cost of funding earning assets | 0.3507% | 4,245 |
| Net interest margin | 2.7917% | 5,824 |
| Noninterest income to average assets | 0.1273% | 6,055 |
| Noninterest expense to average assets | 1.9942% | 5,773 |
| Loan and lease loss provision to assets | 0.0471% | 3,626 |
| Net operating income to assets | 0.7731% | 3,505 |
| Return on assets (ROA) | 0.7760% | 3,582 |
| Pretax return on assets | 0.7760% | 4,344 |
| Return on Equity (ROE) | 6.9781% | 3,648 |
| Retained earnings to average equity (ytd only) | 2.5352% | 4,434 |
| Net charge-offs to loans | 0.3418% | 1,279 |
| Credit loss provision to net charge-offs | 32.2581% | 3,805 |
| Earnings coverage of net charge-offs (x) | 5.6129% | 3,388 |
| Efficiency ratio | 70.8543% | 3,400 |
| Assets per employee ($millions) | 6.4389% | 1,087 |
| Cash dividends to net income (ytd only)* | 63.6695% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 2,707 |
| Loan loss allowance to noncurrent loans | 142.6339% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 2,930 |
| Noncurrent loans to loans | 1.0151% | 2,795 |
| Net loans and leases to total assets | 39.7343% | 5,761 |
| Net loans and leases to deposits | 45.0622% | 5,841 |
| Net loans and leases to core deposits | 45.8444% | 5,900 |
| Total domestic deposits to total assets | 88.1767% | 1,670 |
| Equity capital to assets | 11.7584% | 2,202 |
| Core capital (leverage) ratio | 12.4344% | 1,383 |
| Tier 1 risk-based capital ratio | 29.2478% | 542 |
| Total risk-based capital ratio | 30.5004% | 532 |
| Memoranda: | ||
| Average total assets | $106,060,200 | 4,454 |
| Average earning assets | $102,088,000 | 4,353 |
| Average equity | $11,794,000 | 4,399 |
| Average total loans | $45,342,400 | 4,985 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1862% | 5,914 |
| Cost of funding earning assets | 0.3553% | 4,281 |
| Net interest margin | 2.8308% | 5,826 |
| Noninterest income to average assets | 0.1153% | 6,184 |
| Noninterest expense to average assets | 2.0429% | 5,696 |
| Loan and lease loss provision to assets | 0.0507% | 3,358 |
| Net operating income to assets | 0.7477% | 3,680 |
| Return on assets (ROA) | 0.7515% | 3,760 |
| Pretax return on assets | 0.7515% | 4,524 |
| Return on Equity (ROE) | 6.8605% | 3,785 |
| Retained earnings to average equity (ytd only) | 1.8858% | 5,111 |
| Net charge-offs to loans | 0.3856% | 1,035 |
| Credit loss provision to net charge-offs | 30.3030% | 3,448 |
| Earnings coverage of net charge-offs (x) | 4.7726% | 3,385 |
| Efficiency ratio | 71.9001% | 3,199 |
| Assets per employee ($millions) | 6.3095% | 1,142 |
| Cash dividends to net income (ytd only)* | 72.5125% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,978 |
| Loan loss allowance to noncurrent loans | 68.2723% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4572% | 2,117 |
| Noncurrent loans to loans | 2.1143% | 1,480 |
| Net loans and leases to total assets | 41.5034% | 5,716 |
| Net loans and leases to deposits | 46.9138% | 5,827 |
| Net loans and leases to core deposits | 47.7404% | 5,896 |
| Total domestic deposits to total assets | 88.4674% | 1,518 |
| Equity capital to assets | 11.4487% | 2,536 |
| Core capital (leverage) ratio | 12.5489% | 1,383 |
| Tier 1 risk-based capital ratio | 29.0341% | 578 |
| Total risk-based capital ratio | 30.2859% | 567 |
| Memoranda: | ||
| Average total assets | $105,209,750 | 4,516 |
| Average earning assets | $101,310,000 | 4,405 |
| Average equity | $11,524,750 | 4,480 |
| Average total loans | $45,644,750 | 5,018 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2287% | 5,909 |
| Cost of funding earning assets | 0.3603% | 4,317 |
| Net interest margin | 2.8684% | 5,788 |
| Noninterest income to average assets | 0.0517% | 6,441 |
| Noninterest expense to average assets | 2.1239% | 5,575 |
| Loan and lease loss provision to assets | 0.0765% | 2,742 |
| Net operating income to assets | 0.6085% | 4,321 |
| Return on assets (ROA) | 0.6142% | 4,384 |
| Pretax return on assets | 0.6142% | 4,910 |
| Return on Equity (ROE) | 5.6950% | 4,328 |
| Retained earnings to average equity (ytd only) | -0.3903% | 5,749 |
| Net charge-offs to loans | 0.4890% | 820 |
| Credit loss provision to net charge-offs | 35.7143% | 2,978 |
| Earnings coverage of net charge-offs (x) | 3.1964% | 3,368 |
| Efficiency ratio | 75.6131% | 2,706 |
| Assets per employee ($millions) | 6.0549% | 1,249 |
| Cash dividends to net income (ytd only)* | 106.8536% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 2,927 |
| Loan loss allowance to noncurrent loans | 54.6786% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.6418% | 1,993 |
| Noncurrent loans to loans | 2.7335% | 1,105 |
| Net loans and leases to total assets | 43.0266% | 5,605 |
| Net loans and leases to deposits | 48.7759% | 5,723 |
| Net loans and leases to core deposits | 49.1221% | 5,841 |
| Total domestic deposits to total assets | 88.2128% | 1,780 |
| Equity capital to assets | 11.7250% | 2,225 |
| Core capital (leverage) ratio | 12.7252% | 1,278 |
| Tier 1 risk-based capital ratio | 29.2744% | 560 |
| Total risk-based capital ratio | 30.5276% | 547 |
| Memoranda: | ||
| Average total assets | $104,526,000 | 4,569 |
| Average earning assets | $100,473,000 | 4,459 |
| Average equity | $11,273,000 | 4,542 |
| Average total loans | $45,803,330 | 5,036 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2345% | 5,958 |
| Cost of funding earning assets | 0.3629% | 4,412 |
| Net interest margin | 2.8716% | 5,806 |
| Noninterest income to average assets | 0.0987% | 6,339 |
| Noninterest expense to average assets | 2.1002% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7634% | 3,340 |
| Return on assets (ROA) | 0.7634% | 3,423 |
| Pretax return on assets | 0.7634% | 4,261 |
| Return on Equity (ROE) | 7.3931% | 3,259 |
| Retained earnings to average equity (ytd only) | -2.3172% | 5,889 |
| Net charge-offs to loans | -0.0346% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3422% | 3,252 |
| Assets per employee ($millions) | 6.1759% | 1,188 |
| Cash dividends to net income (ytd only)* | 131.3433% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 2,521 |
| Loan loss allowance to noncurrent loans | 57.5828% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4468% | 2,453 |
| Noncurrent loans to loans | 2.8626% | 1,143 |
| Net loans and leases to total assets | 42.5094% | 5,628 |
| Net loans and leases to deposits | 47.8468% | 5,741 |
| Net loans and leases to core deposits | 48.1753% | 5,867 |
| Total domestic deposits to total assets | 88.8448% | 1,756 |
| Equity capital to assets | 10.7228% | 3,014 |
| Core capital (leverage) ratio | 12.4219% | 1,420 |
| Tier 1 risk-based capital ratio | 28.8184% | 587 |
| Total risk-based capital ratio | 30.0735% | 575 |
| Memoranda: | ||
| Average total assets | $105,322,000 | 4,598 |
| Average earning assets | $101,405,500 | 4,471 |
| Average equity | $10,875,000 | 4,651 |
| Average total loans | $46,224,500 | 5,073 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 6,010 |
| Cost of funding earning assets | 0.4388% | 4,231 |
| Net interest margin | 2.8517% | 5,896 |
| Noninterest income to average assets | 0.1413% | 6,236 |
| Noninterest expense to average assets | 2.1202% | 5,787 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7588% | 3,503 |
| Return on assets (ROA) | 0.7588% | 3,597 |
| Pretax return on assets | 0.7588% | 4,305 |
| Return on Equity (ROE) | 6.8492% | 3,650 |
| Retained earnings to average equity (ytd only) | 4.1800% | 3,202 |
| Net charge-offs to loans | 0.7248% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.3584% | 4,226 |
| Efficiency ratio | 73.6434% | 3,189 |
| Assets per employee ($millions) | 6.2149% | 1,133 |
| Cash dividends to net income (ytd only)* | 38.9706% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 2,837 |
| Loan loss allowance to noncurrent loans | 55.9398% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.4671% | 2,540 |
| Noncurrent loans to loans | 2.8256% | 1,240 |
| Net loans and leases to total assets | 43.8473% | 5,686 |
| Net loans and leases to deposits | 48.7227% | 5,848 |
| Net loans and leases to core deposits | 49.0487% | 5,982 |
| Total domestic deposits to total assets | 89.9937% | 1,084 |
| Equity capital to assets | 9.9306% | 3,859 |
| Core capital (leverage) ratio | 12.3334% | 1,433 |
| Tier 1 risk-based capital ratio | 28.1898% | 597 |
| Total risk-based capital ratio | 29.4439% | 586 |
| Memoranda: | ||
| Average total assets | $107,537,600 | 4,560 |
| Average earning assets | $103,236,200 | 4,427 |
| Average equity | $11,913,800 | 4,456 |
| Average total loans | $47,735,400 | 5,040 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2820% | 6,088 |
| Cost of funding earning assets | 0.4543% | 4,230 |
| Net interest margin | 2.8277% | 5,966 |
| Noninterest income to average assets | 0.1346% | 6,351 |
| Noninterest expense to average assets | 2.0837% | 5,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7629% | 3,542 |
| Return on assets (ROA) | 0.7629% | 3,674 |
| Pretax return on assets | 0.7629% | 4,443 |
| Return on Equity (ROE) | 6.7158% | 3,815 |
| Retained earnings to average equity (ytd only) | 3.7926% | 3,984 |
| Net charge-offs to loans | 0.9825% | 588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.7507% | 4,249 |
| Efficiency ratio | 73.2003% | 3,190 |
| Assets per employee ($millions) | 6.2501% | 1,074 |
| Cash dividends to net income (ytd only)* | 43.5278% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 3,074 |
| Loan loss allowance to noncurrent loans | 53.0980% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.5746% | 2,573 |
| Noncurrent loans to loans | 2.9840% | 1,354 |
| Net loans and leases to total assets | 43.0838% | 5,806 |
| Net loans and leases to deposits | 48.1660% | 5,953 |
| Net loans and leases to core deposits | 48.4864% | 6,097 |
| Total domestic deposits to total assets | 89.4486% | 1,330 |
| Equity capital to assets | 10.4630% | 3,320 |
| Core capital (leverage) ratio | 12.2970% | 1,521 |
| Tier 1 risk-based capital ratio | 28.0022% | 634 |
| Total risk-based capital ratio | 29.2557% | 622 |
| Memoranda: | ||
| Average total assets | $108,008,750 | 4,590 |
| Average earning assets | $103,592,750 | 4,457 |
| Average equity | $12,269,250 | 4,442 |
| Average total loans | $47,901,750 | 5,079 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3041% | 6,083 |
| Cost of funding earning assets | 0.4770% | 4,131 |
| Net interest margin | 2.8272% | 5,950 |
| Noninterest income to average assets | 0.1694% | 6,203 |
| Noninterest expense to average assets | 2.1419% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7348% | 3,636 |
| Return on assets (ROA) | 0.7348% | 3,797 |
| Pretax return on assets | 0.7348% | 4,556 |
| Return on Equity (ROE) | 6.3066% | 3,989 |
| Retained earnings to average equity (ytd only) | 2.0548% | 4,972 |
| Net charge-offs to loans | 0.8643% | 722 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9091% | 3,887 |
| Efficiency ratio | 74.4558% | 3,039 |
| Assets per employee ($millions) | 6.2162% | 1,065 |
| Cash dividends to net income (ytd only)* | 67.4185% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 2,226 |
| Loan loss allowance to noncurrent loans | 70.8769% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5945% | 2,723 |
| Noncurrent loans to loans | 2.6252% | 1,745 |
| Net loans and leases to total assets | 43.9726% | 5,741 |
| Net loans and leases to deposits | 49.1793% | 5,910 |
| Net loans and leases to core deposits | 49.5067% | 6,051 |
| Total domestic deposits to total assets | 89.4128% | 1,372 |
| Equity capital to assets | 10.5134% | 3,286 |
| Core capital (leverage) ratio | 11.8282% | 1,712 |
| Tier 1 risk-based capital ratio | 27.4260% | 664 |
| Total risk-based capital ratio | 28.6833% | 649 |
| Memoranda: | ||
| Average total assets | $108,594,670 | 4,590 |
| Average earning assets | $103,991,000 | 4,475 |
| Average equity | $12,653,330 | 4,403 |
| Average total loans | $48,364,330 | 5,088 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2777% | 6,190 |
| Cost of funding earning assets | 0.4990% | 4,103 |
| Net interest margin | 2.7786% | 6,075 |
| Noninterest income to average assets | 0.0472% | 6,743 |
| Noninterest expense to average assets | 1.7519% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9668% | 2,365 |
| Return on assets (ROA) | 0.9668% | 2,497 |
| Pretax return on assets | 0.9668% | 3,499 |
| Return on Equity (ROE) | 7.9255% | 3,018 |
| Retained earnings to average equity (ytd only) | 3.7840% | 3,963 |
| Net charge-offs to loans | -0.0573% | 6,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4385% | 4,933 |
| Assets per employee ($millions) | 6.4206% | 1,015 |
| Cash dividends to net income (ytd only)* | 52.2556% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2845% | 1,439 |
| Loan loss allowance to noncurrent loans | 76.1806% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.8845% | 2,495 |
| Noncurrent loans to loans | 2.9988% | 1,672 |
| Net loans and leases to total assets | 42.9891% | 5,760 |
| Net loans and leases to deposits | 49.1562% | 5,842 |
| Net loans and leases to core deposits | 49.4780% | 6,007 |
| Total domestic deposits to total assets | 87.4541% | 2,658 |
| Equity capital to assets | 12.2390% | 1,873 |
| Core capital (leverage) ratio | 11.7278% | 1,728 |
| Tier 1 risk-based capital ratio | 26.9372% | 714 |
| Total risk-based capital ratio | 28.1998% | 702 |
| Memoranda: | ||
| Average total assets | $110,054,500 | 4,613 |
| Average earning assets | $105,807,000 | 4,478 |
| Average equity | $13,425,000 | 4,302 |
| Average total loans | $48,872,000 | 5,100 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 6,218 |
| Cost of funding earning assets | 0.6367% | 4,035 |
| Net interest margin | 2.9701% | 6,102 |
| Noninterest income to average assets | 0.1510% | 6,283 |
| Noninterest expense to average assets | 2.4269% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5243% | 4,583 |
| Return on assets (ROA) | 0.5243% | 4,852 |
| Pretax return on assets | 0.5243% | 5,209 |
| Return on Equity (ROE) | 4.2424% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.0044% | 5,374 |
| Net charge-offs to loans | 0.0428% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 25.7273% | 1,125 |
| Efficiency ratio | 82.2348% | 1,835 |
| Assets per employee ($millions) | 6.5269% | 990 |
| Cash dividends to net income (ytd only)* | 76.3251% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1921% | 1,564 |
| Loan loss allowance to noncurrent loans | 94.6181% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 3,388 |
| Noncurrent loans to loans | 2.3168% | 2,332 |
| Net loans and leases to total assets | 43.8310% | 5,835 |
| Net loans and leases to deposits | 49.9497% | 5,959 |
| Net loans and leases to core deposits | 50.2682% | 6,132 |
| Total domestic deposits to total assets | 87.7503% | 2,377 |
| Equity capital to assets | 12.1587% | 1,938 |
| Core capital (leverage) ratio | 11.5587% | 1,837 |
| Tier 1 risk-based capital ratio | 26.1259% | 757 |
| Total risk-based capital ratio | 27.3876% | 748 |
| Memoranda: | ||
| Average total assets | $107,957,800 | 4,639 |
| Average earning assets | $101,781,000 | 4,553 |
| Average equity | $13,341,400 | 4,285 |
| Average total loans | $51,359,800 | 5,050 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 6,261 |
| Cost of funding earning assets | 0.6660% | 4,054 |
| Net interest margin | 3.0114% | 6,150 |
| Noninterest income to average assets | 0.1256% | 6,508 |
| Noninterest expense to average assets | 2.6764% | 4,469 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2724% | 5,707 |
| Return on assets (ROA) | 0.2724% | 5,902 |
| Pretax return on assets | 0.2724% | 6,005 |
| Return on Equity (ROE) | 2.1948% | 5,975 |
| Retained earnings to average equity (ytd only) | -2.1346% | 6,413 |
| Net charge-offs to loans | 0.0747% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.5508% | 2,588 |
| Efficiency ratio | 90.7634% | 983 |
| Assets per employee ($millions) | 6.4374% | 982 |
| Cash dividends to net income (ytd only)* | 197.2636% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 1,816 |
| Loan loss allowance to noncurrent loans | 144.0160% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 4,002 |
| Noncurrent loans to loans | 1.4897% | 3,552 |
| Net loans and leases to total assets | 45.1378% | 5,857 |
| Net loans and leases to deposits | 51.3947% | 6,018 |
| Net loans and leases to core deposits | 51.7251% | 6,196 |
| Total domestic deposits to total assets | 87.8258% | 2,157 |
| Equity capital to assets | 12.0664% | 2,199 |
| Core capital (leverage) ratio | 11.2335% | 2,186 |
| Tier 1 risk-based capital ratio | 25.2100% | 888 |
| Total risk-based capital ratio | 26.4719% | 878 |
| Memoranda: | ||
| Average total assets | $107,207,750 | 4,702 |
| Average earning assets | $100,506,000 | 4,633 |
| Average equity | $13,304,000 | 4,342 |
| Average total loans | $51,768,750 | 5,088 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 6,252 |
| Cost of funding earning assets | 0.6978% | 4,030 |
| Net interest margin | 3.0522% | 6,119 |
| Noninterest income to average assets | 0.0714% | 6,791 |
| Noninterest expense to average assets | 1.9067% | 6,581 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9994% | 2,468 |
| Return on assets (ROA) | 0.9994% | 2,691 |
| Pretax return on assets | 0.9994% | 3,714 |
| Return on Equity (ROE) | 7.9778% | 3,273 |
| Retained earnings to average equity (ytd only) | 1.5146% | 5,448 |
| Net charge-offs to loans | 0.0613% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 1,001 |
| Efficiency ratio | 65.6109% | 4,598 |
| Assets per employee ($millions) | 6.3356% | 1,044 |
| Cash dividends to net income (ytd only)* | 81.0150% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1489% | 1,892 |
| Loan loss allowance to noncurrent loans | 239.8249% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 4,466 |
| Noncurrent loans to loans | 0.8960% | 4,704 |
| Net loans and leases to total assets | 46.3373% | 5,796 |
| Net loans and leases to deposits | 53.0671% | 5,951 |
| Net loans and leases to core deposits | 53.4135% | 6,132 |
| Total domestic deposits to total assets | 87.3183% | 2,585 |
| Equity capital to assets | 12.5527% | 1,785 |
| Core capital (leverage) ratio | 11.8425% | 1,691 |
| Tier 1 risk-based capital ratio | 25.5357% | 850 |
| Total risk-based capital ratio | 26.7985% | 832 |
| Memoranda: | ||
| Average total assets | $106,465,000 | 4,742 |
| Average earning assets | $98,880,000 | 4,698 |
| Average equity | $13,337,000 | 4,331 |
| Average total loans | $52,198,330 | 5,103 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 6,157 |
| Cost of funding earning assets | 0.7246% | 4,084 |
| Net interest margin | 3.1193% | 5,984 |
| Noninterest income to average assets | 0.0794% | 6,828 |
| Noninterest expense to average assets | 1.7649% | 6,834 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1942% | 1,755 |
| Return on assets (ROA) | 1.1942% | 1,938 |
| Pretax return on assets | 1.1942% | 2,931 |
| Return on Equity (ROE) | 9.5429% | 2,588 |
| Retained earnings to average equity (ytd only) | 2.2045% | 5,160 |
| Net charge-offs to loans | -0.0227% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6424% | 5,674 |
| Assets per employee ($millions) | 6.2482% | 1,120 |
| Cash dividends to net income (ytd only)* | 76.8987% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 1,999 |
| Loan loss allowance to noncurrent loans | 178.9727% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 4,114 |
| Noncurrent loans to loans | 1.1989% | 4,333 |
| Net loans and leases to total assets | 47.8737% | 5,574 |
| Net loans and leases to deposits | 54.9307% | 5,712 |
| Net loans and leases to core deposits | 55.2933% | 5,964 |
| Total domestic deposits to total assets | 87.1530% | 2,858 |
| Equity capital to assets | 12.4319% | 1,766 |
| Core capital (leverage) ratio | 11.9984% | 1,590 |
| Tier 1 risk-based capital ratio | 25.6420% | 840 |
| Total risk-based capital ratio | 26.9047% | 818 |
| Memoranda: | ||
| Average total assets | $105,844,500 | 4,795 |
| Average earning assets | $97,713,500 | 4,762 |
| Average equity | $13,245,500 | 4,362 |
| Average total loans | $52,795,500 | 5,112 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 6,253 |
| Cost of funding earning assets | 0.9022% | 4,100 |
| Net interest margin | 3.2133% | 6,048 |
| Noninterest income to average assets | 0.1395% | 6,458 |
| Noninterest expense to average assets | 1.8555% | 6,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2441% | 1,394 |
| Return on assets (ROA) | 1.2441% | 1,492 |
| Pretax return on assets | 1.2451% | 2,313 |
| Return on Equity (ROE) | 10.2387% | 1,976 |
| Retained earnings to average equity (ytd only) | 4.9041% | 2,718 |
| Net charge-offs to loans | 0.1743% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 13.2474% | 1,555 |
| Efficiency ratio | 59.8438% | 5,782 |
| Assets per employee ($millions) | 6.2041% | 1,102 |
| Cash dividends to net income (ytd only)* | 52.1028% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 2,075 |
| Loan loss allowance to noncurrent loans | 331.9403% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 4,728 |
| Noncurrent loans to loans | 0.6247% | 5,465 |
| Net loans and leases to total assets | 49.7895% | 5,615 |
| Net loans and leases to deposits | 57.0552% | 5,795 |
| Net loans and leases to core deposits | 57.4314% | 6,047 |
| Total domestic deposits to total assets | 87.2656% | 2,600 |
| Equity capital to assets | 12.5969% | 1,748 |
| Core capital (leverage) ratio | 11.9825% | 1,604 |
| Tier 1 risk-based capital ratio | 25.2787% | 846 |
| Total risk-based capital ratio | 26.5408% | 821 |
| Memoranda: | ||
| Average total assets | $103,204,200 | 4,815 |
| Average earning assets | $95,104,400 | 4,781 |
| Average equity | $12,540,600 | 4,433 |
| Average total loans | $55,644,200 | 5,047 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 6,292 |
| Cost of funding earning assets | 0.9312% | 4,188 |
| Net interest margin | 3.2312% | 6,073 |
| Noninterest income to average assets | 0.1611% | 6,441 |
| Noninterest expense to average assets | 1.8914% | 6,859 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2536% | 1,507 |
| Return on assets (ROA) | 1.2536% | 1,610 |
| Pretax return on assets | 1.2536% | 2,450 |
| Return on Equity (ROE) | 10.4145% | 2,065 |
| Retained earnings to average equity (ytd only) | 4.3493% | 3,632 |
| Net charge-offs to loans | 0.1567% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 14.6208% | 1,522 |
| Efficiency ratio | 60.1404% | 5,697 |
| Assets per employee ($millions) | 6.1762% | 1,102 |
| Cash dividends to net income (ytd only)* | 58.2382% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0546% | 2,192 |
| Loan loss allowance to noncurrent loans | 174.5038% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 4,153 |
| Noncurrent loans to loans | 1.1774% | 4,576 |
| Net loans and leases to total assets | 51.8953% | 5,461 |
| Net loans and leases to deposits | 59.3868% | 5,709 |
| Net loans and leases to core deposits | 59.7771% | 6,010 |
| Total domestic deposits to total assets | 87.3852% | 2,413 |
| Equity capital to assets | 12.4624% | 1,938 |
| Core capital (leverage) ratio | 11.9057% | 1,764 |
| Tier 1 risk-based capital ratio | 24.0450% | 1,005 |
| Total risk-based capital ratio | 25.3073% | 991 |
| Memoranda: | ||
| Average total assets | $102,637,750 | 4,850 |
| Average earning assets | $94,781,500 | 4,827 |
| Average equity | $12,354,250 | 4,482 |
| Average total loans | $56,149,000 | 5,070 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 6,275 |
| Cost of funding earning assets | 0.9662% | 4,206 |
| Net interest margin | 3.2349% | 6,047 |
| Noninterest income to average assets | 0.1512% | 6,568 |
| Noninterest expense to average assets | 1.9990% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1369% | 1,768 |
| Return on assets (ROA) | 1.1369% | 1,837 |
| Pretax return on assets | 1.1369% | 2,706 |
| Return on Equity (ROE) | 9.5618% | 2,289 |
| Retained earnings to average equity (ytd only) | 1.8331% | 5,069 |
| Net charge-offs to loans | 0.2557% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.0417% | 2,129 |
| Efficiency ratio | 63.7445% | 5,285 |
| Assets per employee ($millions) | 5.9733% | 1,203 |
| Cash dividends to net income (ytd only)* | 80.8290% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0175% | 2,321 |
| Loan loss allowance to noncurrent loans | 158.7989% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 3,965 |
| Noncurrent loans to loans | 1.2705% | 4,545 |
| Net loans and leases to total assets | 54.3793% | 5,241 |
| Net loans and leases to deposits | 62.1371% | 5,487 |
| Net loans and leases to core deposits | 62.5566% | 5,853 |
| Total domestic deposits to total assets | 87.5150% | 2,460 |
| Equity capital to assets | 12.3402% | 1,878 |
| Core capital (leverage) ratio | 11.8025% | 1,719 |
| Tier 1 risk-based capital ratio | 23.7384% | 1,028 |
| Total risk-based capital ratio | 25.0010% | 1,018 |
| Memoranda: | ||
| Average total assets | $101,851,670 | 4,906 |
| Average earning assets | $93,974,670 | 4,888 |
| Average equity | $12,110,670 | 4,526 |
| Average total loans | $56,321,670 | 5,107 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 6,264 |
| Cost of funding earning assets | 0.9863% | 4,297 |
| Net interest margin | 3.2223% | 6,005 |
| Noninterest income to average assets | 0.1686% | 6,522 |
| Noninterest expense to average assets | 1.7607% | 7,177 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3803% | 1,093 |
| Return on assets (ROA) | 1.3803% | 1,146 |
| Pretax return on assets | 1.3803% | 1,780 |
| Return on Equity (ROE) | 11.8314% | 1,505 |
| Retained earnings to average equity (ytd only) | 3.5965% | 4,026 |
| Net charge-offs to loans | -0.0355% | 6,762 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0549% | 6,500 |
| Assets per employee ($millions) | 5.9686% | 1,217 |
| Cash dividends to net income (ytd only)* | 69.6023% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1546% | 2,063 |
| Loan loss allowance to noncurrent loans | 140.8353% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 1.6380% | 3,795 |
| Noncurrent loans to loans | 1.5299% | 4,178 |
| Net loans and leases to total assets | 54.3329% | 5,258 |
| Net loans and leases to deposits | 61.8764% | 5,513 |
| Net loans and leases to core deposits | 62.2903% | 5,896 |
| Total domestic deposits to total assets | 87.8088% | 2,480 |
| Equity capital to assets | 11.7664% | 2,066 |
| Core capital (leverage) ratio | 11.8861% | 1,626 |
| Tier 1 risk-based capital ratio | 23.5275% | 1,020 |
| Total risk-based capital ratio | 24.7909% | 1,000 |
| Memoranda: | ||
| Average total assets | $102,004,500 | 4,946 |
| Average earning assets | $94,093,500 | 4,911 |
| Average equity | $11,900,500 | 4,573 |
| Average total loans | $56,304,000 | 5,160 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 6,439 |
| Cost of funding earning assets | 1.2748% | 4,055 |
| Net interest margin | 3.2074% | 6,253 |
| Noninterest income to average assets | 0.0362% | 7,171 |
| Noninterest expense to average assets | 1.9079% | 7,147 |
| Loan and lease loss provision to assets | 0.2984% | 4,415 |
| Net operating income to assets | 0.8248% | 2,691 |
| Return on assets (ROA) | 0.8248% | 2,831 |
| Pretax return on assets | 0.8258% | 3,549 |
| Return on Equity (ROE) | 7.1211% | 3,057 |
| Retained earnings to average equity (ytd only) | 4.7981% | 2,547 |
| Net charge-offs to loans | 0.5088% | 3,582 |
| Credit loss provision to net charge-offs | 104.0956% | 4,316 |
| Earnings coverage of net charge-offs (x) | 3.9215% | 3,133 |
| Efficiency ratio | 62.9235% | 5,535 |
| Assets per employee ($millions) | 6.0319% | 1,191 |
| Cash dividends to net income (ytd only)* | 32.6216% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1488% | 1,963 |
| Loan loss allowance to noncurrent loans | 167.2199% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4852% | 4,084 |
| Noncurrent loans to loans | 1.2850% | 4,567 |
| Net loans and leases to total assets | 53.6902% | 5,673 |
| Net loans and leases to deposits | 60.8403% | 5,969 |
| Net loans and leases to core deposits | 61.4268% | 6,280 |
| Total domestic deposits to total assets | 88.2477% | 2,095 |
| Equity capital to assets | 11.5679% | 2,201 |
| Core capital (leverage) ratio | 11.5903% | 1,791 |
| Tier 1 risk-based capital ratio | 23.1337% | 1,018 |
| Total risk-based capital ratio | 24.3970% | 998 |
| Memoranda: | ||
| Average total assets | $102,206,800 | 4,921 |
| Average earning assets | $95,467,800 | 4,847 |
| Average equity | $11,838,000 | 4,657 |
| Average total loans | $57,588,800 | 5,178 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 6,215 |
| Cost of funding earning assets | 1.3355% | 4,005 |
| Net interest margin | 3.3087% | 5,990 |
| Noninterest income to average assets | -0.0235% | 7,475 |
| Noninterest expense to average assets | 1.9662% | 7,110 |
| Loan and lease loss provision to assets | 0.3133% | 4,075 |
| Net operating income to assets | 0.7977% | 3,007 |
| Return on assets (ROA) | 0.7977% | 3,170 |
| Pretax return on assets | 0.7990% | 3,908 |
| Return on Equity (ROE) | 6.8851% | 3,402 |
| Retained earnings to average equity (ytd only) | 3.7863% | 3,803 |
| Net charge-offs to loans | 0.6837% | 2,716 |
| Credit loss provision to net charge-offs | 80.8081% | 5,107 |
| Earnings coverage of net charge-offs (x) | 2.8687% | 3,695 |
| Efficiency ratio | 63.8677% | 5,264 |
| Assets per employee ($millions) | 5.9489% | 1,280 |
| Cash dividends to net income (ytd only)* | 45.0083% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 2,203 |
| Loan loss allowance to noncurrent loans | 144.8539% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 4,080 |
| Noncurrent loans to loans | 1.3846% | 4,548 |
| Net loans and leases to total assets | 55.0761% | 5,687 |
| Net loans and leases to deposits | 62.7800% | 6,049 |
| Net loans and leases to core deposits | 63.3952% | 6,342 |
| Total domestic deposits to total assets | 87.7288% | 2,144 |
| Equity capital to assets | 12.0685% | 2,115 |
| Core capital (leverage) ratio | 11.5177% | 1,929 |
| Tier 1 risk-based capital ratio | 22.5701% | 1,121 |
| Total risk-based capital ratio | 23.8348% | 1,091 |
| Memoranda: | ||
| Average total assets | $102,123,000 | 4,984 |
| Average earning assets | $95,745,250 | 4,900 |
| Average equity | $11,832,000 | 4,730 |
| Average total loans | $57,920,000 | 5,238 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 6,611 |
| Cost of funding earning assets | 1.4012% | 3,868 |
| Net interest margin | 3.1406% | 6,488 |
| Noninterest income to average assets | -0.0761% | 7,611 |
| Noninterest expense to average assets | 1.8389% | 7,345 |
| Loan and lease loss provision to assets | 0.4685% | 2,976 |
| Net operating income to assets | 0.5505% | 4,091 |
| Return on assets (ROA) | 0.5505% | 4,230 |
| Pretax return on assets | 0.5524% | 4,730 |
| Return on Equity (ROE) | 4.8174% | 4,375 |
| Retained earnings to average equity (ytd only) | 1.7766% | 4,974 |
| Net charge-offs to loans | 0.2986% | 3,826 |
| Credit loss provision to net charge-offs | 275.8621% | 1,351 |
| Earnings coverage of net charge-offs (x) | 6.0115% | 2,549 |
| Efficiency ratio | 64.3003% | 5,277 |
| Assets per employee ($millions) | 6.3767% | 1,013 |
| Cash dividends to net income (ytd only)* | 63.1206% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3229% | 1,549 |
| Loan loss allowance to noncurrent loans | 172.1939% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 4,454 |
| Noncurrent loans to loans | 1.3490% | 4,690 |
| Net loans and leases to total assets | 55.6402% | 5,765 |
| Net loans and leases to deposits | 63.1043% | 6,126 |
| Net loans and leases to core deposits | 63.7291% | 6,420 |
| Total domestic deposits to total assets | 88.1718% | 1,907 |
| Equity capital to assets | 11.6107% | 2,349 |
| Core capital (leverage) ratio | 11.2032% | 2,105 |
| Tier 1 risk-based capital ratio | 21.9637% | 1,207 |
| Total risk-based capital ratio | 23.2308% | 1,180 |
| Memoranda: | ||
| Average total assets | $102,453,670 | 5,006 |
| Average earning assets | $95,778,330 | 4,934 |
| Average equity | $11,707,670 | 4,760 |
| Average total loans | $58,280,330 | 5,260 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 6,572 |
| Cost of funding earning assets | 1.4589% | 3,814 |
| Net interest margin | 3.1387% | 6,491 |
| Noninterest income to average assets | -0.1403% | 7,774 |
| Noninterest expense to average assets | 1.6519% | 7,620 |
| Loan and lease loss provision to assets | 0.1753% | 4,767 |
| Net operating income to assets | 0.9623% | 2,324 |
| Return on assets (ROA) | 0.9623% | 2,386 |
| Pretax return on assets | 0.9662% | 3,212 |
| Return on Equity (ROE) | 8.4891% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.4891% | 1,541 |
| Net charge-offs to loans | 0.2742% | 3,316 |
| Credit loss provision to net charge-offs | 112.5000% | 3,081 |
| Earnings coverage of net charge-offs (x) | 7.3250% | 2,105 |
| Efficiency ratio | 59.1353% | 6,319 |
| Assets per employee ($millions) | 6.3884% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0403% | 2,080 |
| Loan loss allowance to noncurrent loans | 160.6952% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 4,559 |
| Noncurrent loans to loans | 1.2696% | 4,860 |
| Net loans and leases to total assets | 56.4614% | 5,679 |
| Net loans and leases to deposits | 63.9972% | 6,050 |
| Net loans and leases to core deposits | 64.6278% | 6,409 |
| Total domestic deposits to total assets | 88.2248% | 1,935 |
| Equity capital to assets | 11.5110% | 2,353 |
| Core capital (leverage) ratio | 11.3410% | 2,006 |
| Tier 1 risk-based capital ratio | 21.8755% | 1,213 |
| Total risk-based capital ratio | 23.1372% | 1,203 |
| Memoranda: | ||
| Average total assets | $102,667,000 | 5,071 |
| Average earning assets | $95,964,000 | 4,989 |
| Average equity | $11,638,500 | 4,805 |
| Average total loans | $58,361,500 | 5,322 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 6,487 |
| Cost of funding earning assets | 1.8663% | 3,640 |
| Net interest margin | 3.1182% | 6,317 |
| Noninterest income to average assets | 0.1218% | 7,146 |
| Noninterest expense to average assets | 1.8333% | 7,580 |
| Loan and lease loss provision to assets | 1.6800% | 1,362 |
| Net operating income to assets | -0.4618% | 6,140 |
| Return on assets (ROA) | -0.4618% | 6,138 |
| Pretax return on assets | -0.4598% | 5,977 |
| Return on Equity (ROE) | -3.8652% | 6,102 |
| Retained earnings to average equity (ytd only) | -10.4689% | 6,551 |
| Net charge-offs to loans | 2.8405% | 772 |
| Credit loss provision to net charge-offs | 99.1304% | 5,624 |
| Earnings coverage of net charge-offs (x) | 0.7200% | 5,382 |
| Efficiency ratio | 60.0386% | 6,485 |
| Assets per employee ($millions) | 6.4449% | 1,012 |
| Cash dividends to net income (ytd only)* | -170.8511% | 7,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0706% | 1,870 |
| Loan loss allowance to noncurrent loans | 123.5294% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.5225% | 4,093 |
| Noncurrent loans to loans | 1.6762% | 4,137 |
| Net loans and leases to total assets | 54.8997% | 6,092 |
| Net loans and leases to deposits | 61.9964% | 6,471 |
| Net loans and leases to core deposits | 70.2208% | 6,760 |
| Total domestic deposits to total assets | 88.5530% | 1,700 |
| Equity capital to assets | 11.1628% | 2,565 |
| Core capital (leverage) ratio | 10.9172% | 2,274 |
| Tier 1 risk-based capital ratio | 21.2036% | 1,261 |
| Total risk-based capital ratio | 22.4662% | 1,232 |
| Memoranda: | ||
| Average total assets | $101,783,200 | 5,047 |
| Average earning assets | $95,696,400 | 4,956 |
| Average equity | $12,159,800 | 4,711 |
| Average total loans | $60,727,800 | 5,217 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 6,394 |
| Cost of funding earning assets | 1.9187% | 3,779 |
| Net interest margin | 3.1480% | 6,187 |
| Noninterest income to average assets | 0.1367% | 7,198 |
| Noninterest expense to average assets | 1.8321% | 7,631 |
| Loan and lease loss provision to assets | 1.4654% | 1,310 |
| Net operating income to assets | -0.1985% | 6,061 |
| Return on assets (ROA) | -0.1985% | 6,072 |
| Pretax return on assets | -0.1958% | 5,973 |
| Return on Equity (ROE) | -1.6339% | 6,042 |
| Retained earnings to average equity (ytd only) | -10.3228% | 6,837 |
| Net charge-offs to loans | 2.5730% | 708 |
| Credit loss provision to net charge-offs | 94.0135% | 5,373 |
| Earnings coverage of net charge-offs (x) | 0.8145% | 5,236 |
| Efficiency ratio | 59.0678% | 6,560 |
| Assets per employee ($millions) | 6.3518% | 1,056 |
| Cash dividends to net income (ytd only)* | -531.7836% | 8,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 1,893 |
| Loan loss allowance to noncurrent loans | 79.5676% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 2.0506% | 3,281 |
| Noncurrent loans to loans | 2.4621% | 3,057 |
| Net loans and leases to total assets | 56.1867% | 6,118 |
| Net loans and leases to deposits | 63.8525% | 6,498 |
| Net loans and leases to core deposits | 71.4811% | 6,875 |
| Total domestic deposits to total assets | 87.9946% | 1,656 |
| Equity capital to assets | 11.7063% | 2,431 |
| Core capital (leverage) ratio | 11.2728% | 2,204 |
| Tier 1 risk-based capital ratio | 21.6176% | 1,270 |
| Total risk-based capital ratio | 22.8786% | 1,249 |
| Memoranda: | ||
| Average total assets | $101,449,250 | 5,084 |
| Average earning assets | $95,550,000 | 4,991 |
| Average equity | $12,322,000 | 4,711 |
| Average total loans | $61,457,500 | 5,226 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 6,157 |
| Cost of funding earning assets | 1.9566% | 3,969 |
| Net interest margin | 3.2198% | 5,840 |
| Noninterest income to average assets | 0.1519% | 7,185 |
| Noninterest expense to average assets | 1.9686% | 7,516 |
| Loan and lease loss provision to assets | 0.7693% | 2,153 |
| Net operating income to assets | 0.4419% | 4,325 |
| Return on assets (ROA) | 0.4419% | 4,434 |
| Pretax return on assets | 0.4458% | 4,808 |
| Return on Equity (ROE) | 3.5944% | 4,667 |
| Retained earnings to average equity (ytd only) | -9.3071% | 6,799 |
| Net charge-offs to loans | 2.8019% | 588 |
| Credit loss provision to net charge-offs | 44.5205% | 5,836 |
| Earnings coverage of net charge-offs (x) | 0.7032% | 5,015 |
| Efficiency ratio | 61.8340% | 6,268 |
| Assets per employee ($millions) | 6.4059% | 1,009 |
| Cash dividends to net income (ytd only)* | 358.9286% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 4,893 |
| Loan loss allowance to noncurrent loans | 27.1808% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 2.6060% | 2,472 |
| Noncurrent loans to loans | 4.4359% | 1,458 |
| Net loans and leases to total assets | 58.0395% | 5,957 |
| Net loans and leases to deposits | 66.0776% | 6,384 |
| Net loans and leases to core deposits | 73.9943% | 6,793 |
| Total domestic deposits to total assets | 87.8354% | 1,844 |
| Equity capital to assets | 11.8231% | 2,310 |
| Core capital (leverage) ratio | 11.6385% | 2,016 |
| Tier 1 risk-based capital ratio | 21.7757% | 1,284 |
| Total risk-based capital ratio | 23.0261% | 1,257 |
| Memoranda: | ||
| Average total assets | $101,389,330 | 5,126 |
| Average earning assets | $95,470,330 | 5,024 |
| Average equity | $12,463,670 | 4,689 |
| Average total loans | $62,529,000 | 5,235 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 5,657 |
| Cost of funding earning assets | 2.0083% | 4,086 |
| Net interest margin | 3.3416% | 5,361 |
| Noninterest income to average assets | 0.1706% | 7,085 |
| Noninterest expense to average assets | 1.7216% | 7,798 |
| Loan and lease loss provision to assets | 0.1785% | 4,673 |
| Net operating income to assets | 1.4042% | 1,129 |
| Return on assets (ROA) | 1.4042% | 1,215 |
| Pretax return on assets | 1.4122% | 1,930 |
| Return on Equity (ROE) | 11.2056% | 1,911 |
| Retained earnings to average equity (ytd only) | -10.0344% | 7,116 |
| Net charge-offs to loans | 1.6330% | 889 |
| Credit loss provision to net charge-offs | 17.3077% | 5,103 |
| Earnings coverage of net charge-offs (x) | 1.5423% | 3,955 |
| Efficiency ratio | 51.9760% | 7,425 |
| Assets per employee ($millions) | 6.3400% | 1,028 |
| Cash dividends to net income (ytd only)* | 189.5480% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 2,543 |
| Loan loss allowance to noncurrent loans | 32.4333% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 3.2532% | 1,695 |
| Noncurrent loans to loans | 4.9142% | 1,109 |
| Net loans and leases to total assets | 60.6832% | 5,551 |
| Net loans and leases to deposits | 70.0714% | 5,970 |
| Net loans and leases to core deposits | 78.6209% | 6,490 |
| Total domestic deposits to total assets | 86.6019% | 2,404 |
| Equity capital to assets | 12.2821% | 2,088 |
| Core capital (leverage) ratio | 12.1097% | 1,852 |
| Tier 1 risk-based capital ratio | 21.7099% | 1,334 |
| Total risk-based capital ratio | 22.9670% | 1,305 |
| Memoranda: | ||
| Average total assets | $100,837,000 | 5,159 |
| Average earning assets | $94,804,500 | 5,062 |
| Average equity | $12,636,500 | 4,671 |
| Average total loans | $63,687,000 | 5,219 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9353% | 5,879 |
| Cost of funding earning assets | 2.5144% | 4,129 |
| Net interest margin | 3.4209% | 5,577 |
| Noninterest income to average assets | 0.1886% | 7,099 |
| Noninterest expense to average assets | 1.8120% | 7,743 |
| Loan and lease loss provision to assets | 0.5669% | 2,554 |
| Net operating income to assets | 1.0702% | 2,255 |
| Return on assets (ROA) | 1.0702% | 2,169 |
| Pretax return on assets | 1.0702% | 3,136 |
| Return on Equity (ROE) | 8.7895% | 2,717 |
| Retained earnings to average equity (ytd only) | 1.3566% | 4,406 |
| Net charge-offs to loans | 0.6286% | 1,957 |
| Credit loss provision to net charge-offs | 139.0887% | 3,817 |
| Earnings coverage of net charge-offs (x) | 4.0168% | 4,146 |
| Efficiency ratio | 52.5361% | 7,429 |
| Assets per employee ($millions) | 5.8961% | 1,200 |
| Cash dividends to net income (ytd only)* | 84.5662% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 1,486 |
| Loan loss allowance to noncurrent loans | 52.0172% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 2.5500% | 1,901 |
| Noncurrent loans to loans | 3.5946% | 1,403 |
| Net loans and leases to total assets | 63.4595% | 5,377 |
| Net loans and leases to deposits | 73.0782% | 5,943 |
| Net loans and leases to core deposits | 81.4297% | 6,499 |
| Total domestic deposits to total assets | 86.8378% | 2,011 |
| Equity capital to assets | 12.7841% | 1,875 |
| Core capital (leverage) ratio | 12.4121% | 1,785 |
| Tier 1 risk-based capital ratio | 21.7934% | 1,344 |
| Total risk-based capital ratio | 23.0548% | 1,302 |
| Memoranda: | ||
| Average total assets | $102,319,200 | 4,982 |
| Average earning assets | $97,519,000 | 4,874 |
| Average equity | $12,458,000 | 4,708 |
| Average total loans | $66,335,400 | 5,004 |