Home > Bank of Hillsboro > Performance and Condition Ratios
Bank of Hillsboro, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 2,758 |
| Cost of funding earning assets | 0.3601% | 4,009 |
| Net interest margin | 3.9397% | 2,068 |
| Noninterest income to average assets | 0.2249% | 4,680 |
| Noninterest expense to average assets | 2.6363% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0779% | 2,672 |
| Return on assets (ROA) | 1.0306% | 2,891 |
| Pretax return on assets | 1.2384% | 2,776 |
| Return on Equity (ROE) | 8.3590% | 3,335 |
| Retained earnings to average equity (ytd only) | 8.3590% | 1,469 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0529% | 2,813 |
| Assets per employee ($millions) | 4.8699% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.3516% | 1,744 |
| Net loans and leases to deposits | 87.0274% | 2,218 |
| Net loans and leases to core deposits | 87.5479% | 2,766 |
| Total domestic deposits to total assets | 86.5838% | 2,022 |
| Equity capital to assets | 12.9072% | 1,344 |
| Core capital (leverage) ratio | 12.2953% | 1,546 |
| Tier 1 risk-based capital ratio | 18.9743% | 1,553 |
| Total risk-based capital ratio | 20.2258% | 1,519 |
| Memoranda: | ||
| Average total assets | $70,249,670 | 4,679 |
| Average earning assets | $66,096,330 | 4,654 |
| Average equity | $8,661,330 | 4,589 |
| Average total loans | $52,261,670 | 4,344 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,787 |
| Cost of funding earning assets | 0.3400% | 4,065 |
| Net interest margin | 3.8889% | 2,088 |
| Noninterest income to average assets | 0.2188% | 4,695 |
| Noninterest expense to average assets | 2.4690% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1466% | 2,235 |
| Return on assets (ROA) | 1.1784% | 2,112 |
| Pretax return on assets | 1.4477% | 1,848 |
| Return on Equity (ROE) | 9.7765% | 2,549 |
| Retained earnings to average equity (ytd only) | 9.7765% | 1,230 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6758% | 3,530 |
| Assets per employee ($millions) | 5.1274% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.5679% | 1,931 |
| Net loans and leases to deposits | 84.0174% | 2,390 |
| Net loans and leases to core deposits | 84.4892% | 2,934 |
| Total domestic deposits to total assets | 87.5627% | 1,869 |
| Equity capital to assets | 12.0584% | 1,743 |
| Core capital (leverage) ratio | 11.9641% | 1,670 |
| Tier 1 risk-based capital ratio | 19.1152% | 1,528 |
| Total risk-based capital ratio | 20.3673% | 1,482 |
| Memoranda: | ||
| Average total assets | $71,285,000 | 4,716 |
| Average earning assets | $67,063,500 | 4,692 |
| Average equity | $8,592,000 | 4,648 |
| Average total loans | $52,371,500 | 4,383 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 3,144 |
| Cost of funding earning assets | 0.3061% | 4,076 |
| Net interest margin | 3.7704% | 2,536 |
| Noninterest income to average assets | 0.2396% | 4,701 |
| Noninterest expense to average assets | 2.5095% | 3,752 |
| Loan and lease loss provision to assets | 0.0363% | 3,538 |
| Net operating income to assets | 0.9115% | 2,652 |
| Return on assets (ROA) | 0.9266% | 2,594 |
| Pretax return on assets | 1.2562% | 2,525 |
| Return on Equity (ROE) | 7.7521% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.7521% | 845 |
| Net charge-offs to loans | 0.0105% | 3,720 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 175.2000% | 436 |
| Efficiency ratio | 66.3594% | 3,197 |
| Assets per employee ($millions) | 5.0561% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.4788% | 2,298 |
| Net loans and leases to deposits | 81.8205% | 2,737 |
| Net loans and leases to core deposits | 82.2863% | 3,225 |
| Total domestic deposits to total assets | 87.3605% | 1,829 |
| Equity capital to assets | 12.0476% | 1,799 |
| Core capital (leverage) ratio | 11.9494% | 1,629 |
| Tier 1 risk-based capital ratio | 15.7642% | 2,526 |
| Total risk-based capital ratio | 17.0128% | 2,469 |
| Memoranda: | ||
| Average total assets | $68,857,200 | 4,796 |
| Average earning assets | $64,688,000 | 4,770 |
| Average equity | $8,230,000 | 4,749 |
| Average total loans | $47,575,400 | 4,523 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,222 |
| Cost of funding earning assets | 0.3068% | 4,068 |
| Net interest margin | 3.7313% | 2,653 |
| Noninterest income to average assets | 0.2496% | 4,713 |
| Noninterest expense to average assets | 2.4804% | 3,798 |
| Loan and lease loss provision to assets | 0.0878% | 2,330 |
| Net operating income to assets | 0.9316% | 2,874 |
| Return on assets (ROA) | 0.9438% | 2,874 |
| Pretax return on assets | 1.2070% | 2,876 |
| Return on Equity (ROE) | 7.9127% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.9127% | 1,258 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9751% | 3,215 |
| Assets per employee ($millions) | 4.9867% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,550 |
| Loan loss allowance to noncurrent loans | 11,550.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,226 |
| Noncurrent loans to loans | 0.0129% | 5,089 |
| Net loans and leases to total assets | 65.4152% | 3,188 |
| Net loans and leases to deposits | 75.0185% | 3,468 |
| Net loans and leases to core deposits | 75.4510% | 3,847 |
| Total domestic deposits to total assets | 87.1988% | 1,774 |
| Equity capital to assets | 12.0477% | 1,936 |
| Core capital (leverage) ratio | 11.6999% | 1,884 |
| Tier 1 risk-based capital ratio | 19.0543% | 1,569 |
| Total risk-based capital ratio | 20.3084% | 1,532 |
| Memoranda: | ||
| Average total assets | $68,375,000 | 4,854 |
| Average earning assets | $64,318,750 | 4,831 |
| Average equity | $8,155,500 | 4,811 |
| Average total loans | $46,653,000 | 4,590 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,107 |
| Cost of funding earning assets | 0.3097% | 3,980 |
| Net interest margin | 3.7165% | 2,595 |
| Noninterest income to average assets | 0.2592% | 4,681 |
| Noninterest expense to average assets | 2.4066% | 4,033 |
| Loan and lease loss provision to assets | 0.1031% | 1,968 |
| Net operating income to assets | 0.9859% | 2,499 |
| Return on assets (ROA) | 1.0045% | 2,448 |
| Pretax return on assets | 1.2725% | 2,489 |
| Return on Equity (ROE) | 8.4507% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.4507% | 1,011 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0282% | 3,664 |
| Assets per employee ($millions) | 4.9356% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.7168% | 3,147 |
| Net loans and leases to deposits | 75.2615% | 3,432 |
| Net loans and leases to core deposits | 75.6981% | 3,799 |
| Total domestic deposits to total assets | 87.3180% | 1,796 |
| Equity capital to assets | 11.9902% | 1,937 |
| Core capital (leverage) ratio | 11.6546% | 1,861 |
| Tier 1 risk-based capital ratio | 15.6893% | 2,623 |
| Total risk-based capital ratio | 16.9388% | 2,561 |
| Memoranda: | ||
| Average total assets | $67,895,330 | 4,902 |
| Average earning assets | $63,931,330 | 4,869 |
| Average equity | $8,070,330 | 4,848 |
| Average total loans | $46,750,000 | 4,615 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 2,721 |
| Cost of funding earning assets | 0.3217% | 3,836 |
| Net interest margin | 3.7594% | 2,261 |
| Noninterest income to average assets | 0.2140% | 4,987 |
| Noninterest expense to average assets | 2.4430% | 3,985 |
| Loan and lease loss provision to assets | 0.1783% | 979 |
| Net operating income to assets | 0.9587% | 2,485 |
| Return on assets (ROA) | 0.9986% | 2,360 |
| Pretax return on assets | 1.1829% | 2,669 |
| Return on Equity (ROE) | 8.4390% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.4390% | 1,296 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0316% | 3,660 |
| Assets per employee ($millions) | 4.9016% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 67.2253% | 2,784 |
| Net loans and leases to deposits | 76.6465% | 3,118 |
| Net loans and leases to core deposits | 77.0910% | 3,553 |
| Total domestic deposits to total assets | 87.7082% | 1,884 |
| Equity capital to assets | 11.7308% | 2,011 |
| Core capital (leverage) ratio | 11.4664% | 1,974 |
| Tier 1 risk-based capital ratio | 15.5490% | 2,732 |
| Total risk-based capital ratio | 16.8000% | 2,664 |
| Memoranda: | ||
| Average total assets | $67,294,000 | 4,964 |
| Average earning assets | $63,414,000 | 4,930 |
| Average equity | $7,963,000 | 4,905 |
| Average total loans | $47,079,000 | 4,647 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,705 |
| Cost of funding earning assets | 0.3284% | 3,766 |
| Net interest margin | 3.8095% | 2,287 |
| Noninterest income to average assets | 0.3831% | 4,011 |
| Noninterest expense to average assets | 2.8396% | 2,878 |
| Loan and lease loss provision to assets | 0.0613% | 3,144 |
| Net operating income to assets | 0.9362% | 2,647 |
| Return on assets (ROA) | 1.0390% | 2,289 |
| Pretax return on assets | 1.2106% | 2,619 |
| Return on Equity (ROE) | 8.8339% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.8339% | 618 |
| Net charge-offs to loans | -0.0022% | 4,704 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1324% | 2,722 |
| Assets per employee ($millions) | 4.7118% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 2,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.7951% | 2,370 |
| Net loans and leases to deposits | 81.1412% | 2,772 |
| Net loans and leases to core deposits | 81.1412% | 3,299 |
| Total domestic deposits to total assets | 87.2493% | 2,002 |
| Equity capital to assets | 11.9397% | 1,852 |
| Core capital (leverage) ratio | 11.5542% | 1,892 |
| Tier 1 risk-based capital ratio | 15.1332% | 2,905 |
| Total risk-based capital ratio | 16.3801% | 2,839 |
| Memoranda: | ||
| Average total assets | $65,256,200 | 5,026 |
| Average earning assets | $61,818,800 | 4,982 |
| Average equity | $7,675,000 | 4,984 |
| Average total loans | $45,337,000 | 4,700 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,729 |
| Cost of funding earning assets | 0.3376% | 3,680 |
| Net interest margin | 3.8003% | 2,328 |
| Noninterest income to average assets | 0.4425% | 3,611 |
| Noninterest expense to average assets | 2.9502% | 2,461 |
| Loan and lease loss provision to assets | 0.0307% | 3,619 |
| Net operating income to assets | 0.9156% | 2,830 |
| Return on assets (ROA) | 1.0531% | 2,309 |
| Pretax return on assets | 1.2190% | 2,759 |
| Return on Equity (ROE) | 8.9881% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.9881% | 822 |
| Net charge-offs to loans | -0.0030% | 4,524 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0223% | 2,437 |
| Assets per employee ($millions) | 4.1347% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.2577% | 2,455 |
| Net loans and leases to deposits | 80.6395% | 2,890 |
| Net loans and leases to core deposits | 81.1251% | 3,347 |
| Total domestic deposits to total assets | 87.1257% | 1,837 |
| Equity capital to assets | 11.9175% | 2,174 |
| Core capital (leverage) ratio | 11.1919% | 2,275 |
| Tier 1 risk-based capital ratio | 14.8513% | 3,121 |
| Total risk-based capital ratio | 16.0760% | 3,074 |
| Memoranda: | ||
| Average total assets | $65,079,000 | 5,072 |
| Average earning assets | $61,608,250 | 5,027 |
| Average equity | $7,624,750 | 5,042 |
| Average total loans | $44,834,250 | 4,764 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 2,751 |
| Cost of funding earning assets | 0.3397% | 3,688 |
| Net interest margin | 3.7893% | 2,367 |
| Noninterest income to average assets | 0.5501% | 2,902 |
| Noninterest expense to average assets | 2.8832% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1147% | 1,906 |
| Return on assets (ROA) | 1.2577% | 1,515 |
| Pretax return on assets | 1.4122% | 1,976 |
| Return on Equity (ROE) | 10.7981% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.7981% | 462 |
| Net charge-offs to loans | -0.0045% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7309% | 3,026 |
| Assets per employee ($millions) | 4.6409% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.4031% | 2,418 |
| Net loans and leases to deposits | 81.3007% | 2,783 |
| Net loans and leases to core deposits | 82.1991% | 3,250 |
| Total domestic deposits to total assets | 86.5960% | 2,114 |
| Equity capital to assets | 12.0666% | 2,085 |
| Core capital (leverage) ratio | 11.2581% | 2,187 |
| Tier 1 risk-based capital ratio | 14.9684% | 3,091 |
| Total risk-based capital ratio | 16.1904% | 3,045 |
| Memoranda: | ||
| Average total assets | $64,720,330 | 5,128 |
| Average earning assets | $61,225,000 | 5,083 |
| Average equity | $7,538,330 | 5,100 |
| Average total loans | $44,078,000 | 4,829 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 2,651 |
| Cost of funding earning assets | 0.3420% | 3,691 |
| Net interest margin | 3.8081% | 2,261 |
| Noninterest income to average assets | 0.2477% | 4,960 |
| Noninterest expense to average assets | 2.9786% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7159% | 3,632 |
| Return on assets (ROA) | 0.7679% | 3,513 |
| Pretax return on assets | 0.9165% | 3,783 |
| Return on Equity (ROE) | 6.7140% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.7140% | 2,021 |
| Net charge-offs to loans | -0.0093% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7060% | 1,936 |
| Assets per employee ($millions) | 4.6543% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 2,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 66.9245% | 2,820 |
| Net loans and leases to deposits | 77.3438% | 3,072 |
| Net loans and leases to core deposits | 77.8172% | 3,507 |
| Total domestic deposits to total assets | 86.5285% | 2,432 |
| Equity capital to assets | 11.4579% | 2,477 |
| Core capital (leverage) ratio | 10.9874% | 2,414 |
| Tier 1 risk-based capital ratio | 14.9408% | 3,190 |
| Total risk-based capital ratio | 16.1898% | 3,124 |
| Memoranda: | ||
| Average total assets | $64,594,000 | 5,186 |
| Average earning assets | $60,818,000 | 5,134 |
| Average equity | $7,387,500 | 5,157 |
| Average total loans | $42,941,500 | 4,902 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 2,754 |
| Cost of funding earning assets | 0.3512% | 3,690 |
| Net interest margin | 3.7951% | 2,396 |
| Noninterest income to average assets | 0.2522% | 5,083 |
| Noninterest expense to average assets | 2.8408% | 3,066 |
| Loan and lease loss provision to assets | 0.0365% | 3,617 |
| Net operating income to assets | 0.8488% | 3,119 |
| Return on assets (ROA) | 1.0881% | 2,040 |
| Pretax return on assets | 1.1833% | 2,719 |
| Return on Equity (ROE) | 9.7827% | 2,090 |
| Retained earnings to average equity (ytd only) | 9.7827% | 494 |
| Net charge-offs to loans | 0.0049% | 4,275 |
| Credit loss provision to net charge-offs | 1,150.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 302.5000% | 237 |
| Efficiency ratio | 74.7496% | 2,467 |
| Assets per employee ($millions) | 4.5734% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 2,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 64.1251% | 3,259 |
| Net loans and leases to deposits | 73.0219% | 3,610 |
| Net loans and leases to core deposits | 73.8002% | 3,958 |
| Total domestic deposits to total assets | 87.8163% | 1,740 |
| Equity capital to assets | 11.4153% | 2,432 |
| Core capital (leverage) ratio | 10.6444% | 2,780 |
| Tier 1 risk-based capital ratio | 15.6451% | 2,861 |
| Total risk-based capital ratio | 16.8959% | 2,792 |
| Memoranda: | ||
| Average total assets | $63,045,800 | 5,240 |
| Average earning assets | $58,944,400 | 5,216 |
| Average equity | $7,012,400 | 5,241 |
| Average total loans | $40,703,200 | 4,977 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 2,866 |
| Cost of funding earning assets | 0.3537% | 3,717 |
| Net interest margin | 3.7642% | 2,511 |
| Noninterest income to average assets | 0.2548% | 5,118 |
| Noninterest expense to average assets | 2.7940% | 3,216 |
| Loan and lease loss provision to assets | 0.0488% | 3,231 |
| Net operating income to assets | 0.8390% | 3,226 |
| Return on assets (ROA) | 1.0148% | 2,494 |
| Pretax return on assets | 1.1316% | 3,091 |
| Return on Equity (ROE) | 9.1856% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.1856% | 841 |
| Net charge-offs to loans | 0.0066% | 3,941 |
| Credit loss provision to net charge-offs | 1,150.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 231.7041% | 309 |
| Efficiency ratio | 73.9326% | 2,568 |
| Assets per employee ($millions) | 4.6573% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 2,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 62.0211% | 3,603 |
| Net loans and leases to deposits | 70.3593% | 3,941 |
| Net loans and leases to core deposits | 71.0915% | 4,269 |
| Total domestic deposits to total assets | 88.1491% | 1,475 |
| Equity capital to assets | 10.9567% | 3,074 |
| Core capital (leverage) ratio | 10.6050% | 2,921 |
| Tier 1 risk-based capital ratio | 15.2833% | 3,153 |
| Total risk-based capital ratio | 16.5336% | 3,087 |
| Memoranda: | ||
| Average total assets | $62,800,250 | 5,313 |
| Average earning assets | $58,798,500 | 5,281 |
| Average equity | $6,938,250 | 5,322 |
| Average total loans | $40,462,500 | 5,043 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0779% | 2,980 |
| Cost of funding earning assets | 0.3607% | 3,690 |
| Net interest margin | 3.7171% | 2,638 |
| Noninterest income to average assets | 0.2581% | 5,109 |
| Noninterest expense to average assets | 2.7420% | 3,443 |
| Loan and lease loss provision to assets | 0.0742% | 2,633 |
| Net operating income to assets | 0.8066% | 3,348 |
| Return on assets (ROA) | 1.0258% | 2,376 |
| Pretax return on assets | 1.1871% | 2,828 |
| Return on Equity (ROE) | 9.2581% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.2581% | 840 |
| Net charge-offs to loans | 0.0149% | 3,415 |
| Credit loss provision to net charge-offs | 766.6667% | 444 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 585 |
| Efficiency ratio | 73.1497% | 2,810 |
| Assets per employee ($millions) | 4.5469% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 2,305 |
| Loan loss allowance to noncurrent loans | 158.9005% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 3,616 |
| Noncurrent loans to loans | 0.9429% | 2,770 |
| Net loans and leases to total assets | 62.6932% | 3,449 |
| Net loans and leases to deposits | 70.9060% | 3,833 |
| Net loans and leases to core deposits | 71.9854% | 4,139 |
| Total domestic deposits to total assets | 88.4174% | 1,436 |
| Equity capital to assets | 10.9133% | 2,977 |
| Core capital (leverage) ratio | 10.3296% | 3,176 |
| Tier 1 risk-based capital ratio | 15.5035% | 3,102 |
| Total risk-based capital ratio | 16.7534% | 3,050 |
| Memoranda: | ||
| Average total assets | $61,999,670 | 5,392 |
| Average earning assets | $58,216,670 | 5,361 |
| Average equity | $6,869,670 | 5,384 |
| Average total loans | $40,267,670 | 5,092 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,147 |
| Cost of funding earning assets | 0.3645% | 3,702 |
| Net interest margin | 3.6586% | 2,782 |
| Noninterest income to average assets | 0.2616% | 5,087 |
| Noninterest expense to average assets | 2.8379% | 3,109 |
| Loan and lease loss provision to assets | 0.1112% | 1,862 |
| Net operating income to assets | 0.6381% | 4,096 |
| Return on assets (ROA) | 0.9612% | 2,575 |
| Pretax return on assets | 1.1901% | 2,711 |
| Return on Equity (ROE) | 8.6078% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.6078% | 1,340 |
| Net charge-offs to loans | 0.0399% | 2,425 |
| Credit loss provision to net charge-offs | 425.0000% | 625 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,058 |
| Efficiency ratio | 75.8741% | 2,537 |
| Assets per employee ($millions) | 3.2635% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,445 |
| Loan loss allowance to noncurrent loans | 750.0000% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 5,439 |
| Noncurrent loans to loans | 0.2000% | 5,063 |
| Net loans and leases to total assets | 63.5503% | 3,151 |
| Net loans and leases to deposits | 72.1452% | 3,523 |
| Net loans and leases to core deposits | 73.2803% | 3,848 |
| Total domestic deposits to total assets | 88.0866% | 1,769 |
| Equity capital to assets | 11.1409% | 2,821 |
| Core capital (leverage) ratio | 10.4281% | 3,065 |
| Tier 1 risk-based capital ratio | 14.8387% | 3,522 |
| Total risk-based capital ratio | 16.0893% | 3,459 |
| Memoranda: | ||
| Average total assets | $61,171,500 | 5,476 |
| Average earning assets | $58,164,500 | 5,412 |
| Average equity | $6,831,000 | 5,435 |
| Average total loans | $40,144,000 | 5,134 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,828 |
| Cost of funding earning assets | 0.3760% | 3,959 |
| Net interest margin | 3.8602% | 2,394 |
| Noninterest income to average assets | 0.2568% | 5,294 |
| Noninterest expense to average assets | 2.7875% | 3,527 |
| Loan and lease loss provision to assets | 0.1014% | 2,463 |
| Net operating income to assets | 0.8926% | 2,912 |
| Return on assets (ROA) | 1.0322% | 2,327 |
| Pretax return on assets | 1.1876% | 2,703 |
| Return on Equity (ROE) | 9.3735% | 2,402 |
| Retained earnings to average equity (ytd only) | -9.4195% | 6,298 |
| Net charge-offs to loans | -0.0752% | 6,042 |
| Credit loss provision to net charge-offs | -222.2222% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1821% | 3,339 |
| Assets per employee ($millions) | 3.3521% | 5,161 |
| Cash dividends to net income (ytd only)* | 200.4910% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 2,657 |
| Loan loss allowance to noncurrent loans | 9,783.3333% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 6,028 |
| Noncurrent loans to loans | 0.0149% | 5,847 |
| Net loans and leases to total assets | 65.7905% | 2,921 |
| Net loans and leases to deposits | 75.8368% | 3,217 |
| Net loans and leases to core deposits | 76.6984% | 3,638 |
| Total domestic deposits to total assets | 86.7527% | 2,415 |
| Equity capital to assets | 11.1938% | 2,704 |
| Core capital (leverage) ratio | 10.5268% | 2,913 |
| Tier 1 risk-based capital ratio | 14.2921% | 3,906 |
| Total risk-based capital ratio | 15.6123% | 3,794 |
| Memoranda: | ||
| Average total assets | $59,193,000 | 5,569 |
| Average earning assets | $56,111,400 | 5,517 |
| Average equity | $6,518,400 | 5,517 |
| Average total loans | $35,884,000 | 5,333 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 2,887 |
| Cost of funding earning assets | 0.3757% | 4,066 |
| Net interest margin | 3.8547% | 2,416 |
| Noninterest income to average assets | 0.2784% | 5,212 |
| Noninterest expense to average assets | 2.7591% | 3,611 |
| Loan and lease loss provision to assets | 0.1019% | 2,332 |
| Net operating income to assets | 0.9409% | 2,726 |
| Return on assets (ROA) | 1.0027% | 2,502 |
| Pretax return on assets | 1.1340% | 3,051 |
| Return on Equity (ROE) | 9.1439% | 2,604 |
| Retained earnings to average equity (ytd only) | -16.1412% | 6,453 |
| Net charge-offs to loans | -0.0805% | 6,073 |
| Credit loss provision to net charge-offs | -214.2857% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2999% | 3,458 |
| Assets per employee ($millions) | 3.0280% | 5,698 |
| Cash dividends to net income (ytd only)* | 276.5242% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,741 |
| Loan loss allowance to noncurrent loans | 274.7573% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 4,915 |
| Noncurrent loans to loans | 0.5443% | 4,288 |
| Net loans and leases to total assets | 61.5621% | 3,554 |
| Net loans and leases to deposits | 73.0690% | 3,554 |
| Net loans and leases to core deposits | 73.5041% | 3,991 |
| Total domestic deposits to total assets | 84.2520% | 3,659 |
| Equity capital to assets | 10.8785% | 3,088 |
| Core capital (leverage) ratio | 10.3419% | 3,227 |
| Tier 1 risk-based capital ratio | 14.2439% | 4,054 |
| Total risk-based capital ratio | 15.5472% | 3,949 |
| Memoranda: | ||
| Average total assets | $58,907,000 | 5,636 |
| Average earning assets | $55,723,500 | 5,592 |
| Average equity | $6,459,500 | 5,590 |
| Average total loans | $34,784,250 | 5,424 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3007% | 2,580 |
| Cost of funding earning assets | 0.3787% | 4,117 |
| Net interest margin | 3.9220% | 2,079 |
| Noninterest income to average assets | 0.2742% | 5,236 |
| Noninterest expense to average assets | 2.8240% | 3,413 |
| Loan and lease loss provision to assets | 0.1028% | 2,299 |
| Net operating income to assets | 0.9544% | 2,534 |
| Return on assets (ROA) | 0.9733% | 2,525 |
| Pretax return on assets | 1.0590% | 3,245 |
| Return on Equity (ROE) | 8.8519% | 2,664 |
| Retained earnings to average equity (ytd only) | -29.3299% | 6,585 |
| Net charge-offs to loans | -0.1244% | 6,209 |
| Credit loss provision to net charge-offs | -142.8571% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2187% | 3,466 |
| Assets per employee ($millions) | 2.9157% | 5,871 |
| Cash dividends to net income (ytd only)* | 431.3380% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 2,408 |
| Loan loss allowance to noncurrent loans | 9,183.3333% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 6,218 |
| Noncurrent loans to loans | 0.0176% | 6,024 |
| Net loans and leases to total assets | 57.5566% | 4,042 |
| Net loans and leases to deposits | 65.5028% | 4,320 |
| Net loans and leases to core deposits | 66.2842% | 4,613 |
| Total domestic deposits to total assets | 87.8689% | 1,987 |
| Equity capital to assets | 10.8141% | 3,072 |
| Core capital (leverage) ratio | 10.2263% | 3,298 |
| Tier 1 risk-based capital ratio | 14.9013% | 3,689 |
| Total risk-based capital ratio | 16.2637% | 3,581 |
| Memoranda: | ||
| Average total assets | $58,356,000 | 5,704 |
| Average earning assets | $54,921,330 | 5,666 |
| Average equity | $6,416,670 | 5,627 |
| Average total loans | $33,763,000 | 5,502 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 3,250 |
| Cost of funding earning assets | 0.3733% | 4,270 |
| Net interest margin | 3.7335% | 2,733 |
| Noninterest income to average assets | 0.2878% | 5,071 |
| Noninterest expense to average assets | 2.8778% | 3,291 |
| Loan and lease loss provision to assets | 0.1028% | 2,209 |
| Net operating income to assets | 0.7952% | 3,178 |
| Return on assets (ROA) | 0.8359% | 3,046 |
| Pretax return on assets | 0.8428% | 3,930 |
| Return on Equity (ROE) | 7.5402% | 3,178 |
| Retained earnings to average equity (ytd only) | -68.1706% | 6,691 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0870% | 2,789 |
| Assets per employee ($millions) | 3.4463% | 5,043 |
| Cash dividends to net income (ytd only)* | 1,004.0984% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 2,907 |
| Loan loss allowance to noncurrent loans | 390.1515% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 5,529 |
| Noncurrent loans to loans | 0.3982% | 4,942 |
| Net loans and leases to total assets | 55.7018% | 4,183 |
| Net loans and leases to deposits | 63.0536% | 4,426 |
| Net loans and leases to core deposits | 63.4643% | 4,735 |
| Total domestic deposits to total assets | 88.3404% | 2,031 |
| Equity capital to assets | 10.2856% | 3,496 |
| Core capital (leverage) ratio | 10.2046% | 3,285 |
| Tier 1 risk-based capital ratio | 14.7091% | 3,881 |
| Total risk-based capital ratio | 16.0005% | 3,801 |
| Memoranda: | ||
| Average total assets | $58,377,500 | 5,755 |
| Average earning assets | $54,641,000 | 5,720 |
| Average equity | $6,472,000 | 5,642 |
| Average total loans | $33,587,500 | 5,568 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 3,337 |
| Cost of funding earning assets | 0.4441% | 4,174 |
| Net interest margin | 3.7598% | 2,805 |
| Noninterest income to average assets | 0.2737% | 5,398 |
| Noninterest expense to average assets | 2.7403% | 3,946 |
| Loan and lease loss provision to assets | 0.0257% | 4,616 |
| Net operating income to assets | 0.8917% | 2,825 |
| Return on assets (ROA) | 1.0965% | 2,015 |
| Pretax return on assets | 1.2453% | 2,388 |
| Return on Equity (ROE) | 9.2435% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.2435% | 727 |
| Net charge-offs to loans | -0.0443% | 6,307 |
| Credit loss provision to net charge-offs | -115.3846% | 5,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5215% | 3,382 |
| Assets per employee ($millions) | 3.8779% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 3,332 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 6,376 |
| Noncurrent loans to loans | 0.0235% | 6,192 |
| Net loans and leases to total assets | 57.6365% | 4,096 |
| Net loans and leases to deposits | 67.9063% | 4,069 |
| Net loans and leases to core deposits | 68.3688% | 4,467 |
| Total domestic deposits to total assets | 84.8766% | 3,811 |
| Equity capital to assets | 11.8931% | 1,872 |
| Core capital (leverage) ratio | 11.9259% | 1,659 |
| Tier 1 risk-based capital ratio | 16.9925% | 2,611 |
| Total risk-based capital ratio | 18.2115% | 2,588 |
| Memoranda: | ||
| Average total assets | $58,460,800 | 5,797 |
| Average earning assets | $54,497,800 | 5,747 |
| Average equity | $6,934,600 | 5,583 |
| Average total loans | $29,356,200 | 5,796 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 3,488 |
| Cost of funding earning assets | 0.4585% | 4,183 |
| Net interest margin | 3.7118% | 2,984 |
| Noninterest income to average assets | 0.2870% | 5,396 |
| Noninterest expense to average assets | 2.7266% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8737% | 2,979 |
| Return on assets (ROA) | 1.1754% | 1,790 |
| Pretax return on assets | 1.3599% | 2,074 |
| Return on Equity (ROE) | 9.9150% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.9150% | 807 |
| Net charge-offs to loans | -0.0142% | 5,967 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9878% | 3,220 |
| Assets per employee ($millions) | 3.8110% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 3,352 |
| Loan loss allowance to noncurrent loans | 5,277.7778% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 6,451 |
| Noncurrent loans to loans | 0.0289% | 6,264 |
| Net loans and leases to total assets | 53.6412% | 4,672 |
| Net loans and leases to deposits | 61.8775% | 4,780 |
| Net loans and leases to core deposits | 62.2961% | 5,083 |
| Total domestic deposits to total assets | 86.6894% | 2,863 |
| Equity capital to assets | 11.9076% | 1,978 |
| Core capital (leverage) ratio | 11.7714% | 1,837 |
| Tier 1 risk-based capital ratio | 15.8419% | 3,276 |
| Total risk-based capital ratio | 16.9413% | 3,312 |
| Memoranda: | ||
| Average total assets | $58,534,000 | 5,856 |
| Average earning assets | $54,383,500 | 5,818 |
| Average equity | $6,938,750 | 5,655 |
| Average total loans | $28,188,750 | 5,895 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 3,599 |
| Cost of funding earning assets | 0.4714% | 4,187 |
| Net interest margin | 3.6650% | 3,101 |
| Noninterest income to average assets | 0.3323% | 5,037 |
| Noninterest expense to average assets | 2.7564% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8337% | 3,128 |
| Return on assets (ROA) | 1.2544% | 1,540 |
| Pretax return on assets | 1.4714% | 1,709 |
| Return on Equity (ROE) | 10.5977% | 1,968 |
| Retained earnings to average equity (ytd only) | 10.5977% | 724 |
| Net charge-offs to loans | -0.0294% | 6,095 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8420% | 3,159 |
| Assets per employee ($millions) | 4.1864% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 3,047 |
| Loan loss allowance to noncurrent loans | 335.2113% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 5,763 |
| Noncurrent loans to loans | 0.4863% | 5,047 |
| Net loans and leases to total assets | 49.0112% | 5,221 |
| Net loans and leases to deposits | 57.2086% | 5,224 |
| Net loans and leases to core deposits | 57.8970% | 5,430 |
| Total domestic deposits to total assets | 85.6711% | 3,547 |
| Equity capital to assets | 11.6706% | 2,157 |
| Core capital (leverage) ratio | 11.2514% | 2,130 |
| Tier 1 risk-based capital ratio | 15.3527% | 3,563 |
| Total risk-based capital ratio | 16.4436% | 3,617 |
| Memoranda: | ||
| Average total assets | $58,990,330 | 5,875 |
| Average earning assets | $54,734,670 | 5,834 |
| Average equity | $6,982,670 | 5,687 |
| Average total loans | $27,205,330 | 5,969 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 3,427 |
| Cost of funding earning assets | 0.4917% | 4,161 |
| Net interest margin | 3.6770% | 2,963 |
| Noninterest income to average assets | 0.3515% | 4,865 |
| Noninterest expense to average assets | 2.7306% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8416% | 2,942 |
| Return on assets (ROA) | 1.4194% | 1,082 |
| Pretax return on assets | 1.7032% | 1,068 |
| Return on Equity (ROE) | 11.9081% | 1,449 |
| Retained earnings to average equity (ytd only) | 11.9081% | 714 |
| Net charge-offs to loans | -0.0458% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0561% | 3,437 |
| Assets per employee ($millions) | 3.9714% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 2,667 |
| Loan loss allowance to noncurrent loans | 3,653.8462% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 6,549 |
| Noncurrent loans to loans | 0.0489% | 6,337 |
| Net loans and leases to total assets | 43.8569% | 5,679 |
| Net loans and leases to deposits | 50.9507% | 5,714 |
| Net loans and leases to core deposits | 52.1633% | 5,811 |
| Total domestic deposits to total assets | 86.0771% | 3,489 |
| Equity capital to assets | 11.9169% | 2,098 |
| Core capital (leverage) ratio | 11.0415% | 2,227 |
| Tier 1 risk-based capital ratio | 15.5854% | 3,480 |
| Total risk-based capital ratio | 16.7175% | 3,504 |
| Memoranda: | ||
| Average total assets | $59,181,000 | 5,923 |
| Average earning assets | $54,501,000 | 5,891 |
| Average equity | $7,054,000 | 5,730 |
| Average total loans | $26,207,500 | 6,060 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 3,988 |
| Cost of funding earning assets | 0.5984% | 4,367 |
| Net interest margin | 3.7614% | 3,387 |
| Noninterest income to average assets | 0.2036% | 5,960 |
| Noninterest expense to average assets | 2.3605% | 5,525 |
| Loan and lease loss provision to assets | 0.0527% | 5,150 |
| Net operating income to assets | 1.1313% | 1,839 |
| Return on assets (ROA) | 1.0267% | 2,436 |
| Pretax return on assets | 1.1478% | 2,997 |
| Return on Equity (ROE) | 8.9738% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.9738% | 829 |
| Net charge-offs to loans | 0.0775% | 4,899 |
| Credit loss provision to net charge-offs | 157.8947% | 1,698 |
| Earnings coverage of net charge-offs (x) | 39.5263% | 809 |
| Efficiency ratio | 64.1698% | 4,849 |
| Assets per employee ($millions) | 4.1994% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 2,500 |
| Loan loss allowance to noncurrent loans | 406.8966% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 6,067 |
| Noncurrent loans to loans | 0.4494% | 5,381 |
| Net loans and leases to total assets | 43.1052% | 5,896 |
| Net loans and leases to deposits | 49.5716% | 5,982 |
| Net loans and leases to core deposits | 50.7114% | 6,108 |
| Total domestic deposits to total assets | 86.9555% | 2,864 |
| Equity capital to assets | 11.9219% | 2,097 |
| Core capital (leverage) ratio | 10.8223% | 2,415 |
| Tier 1 risk-based capital ratio | 17.3327% | 2,514 |
| Total risk-based capital ratio | 18.5708% | 2,492 |
| Memoranda: | ||
| Average total assets | $56,979,600 | 5,999 |
| Average earning assets | $52,640,400 | 5,966 |
| Average equity | $6,519,000 | 5,888 |
| Average total loans | $24,504,000 | 6,219 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 3,775 |
| Cost of funding earning assets | 0.6161% | 4,490 |
| Net interest margin | 3.8449% | 3,140 |
| Noninterest income to average assets | 0.3208% | 5,216 |
| Noninterest expense to average assets | 2.3469% | 5,554 |
| Loan and lease loss provision to assets | 0.0708% | 4,785 |
| Net operating income to assets | 1.2928% | 1,459 |
| Return on assets (ROA) | 1.1416% | 2,136 |
| Pretax return on assets | 1.2808% | 2,666 |
| Return on Equity (ROE) | 10.0886% | 2,309 |
| Retained earnings to average equity (ytd only) | 10.0886% | 892 |
| Net charge-offs to loans | 0.1048% | 4,345 |
| Credit loss provision to net charge-offs | 157.8947% | 1,777 |
| Earnings coverage of net charge-offs (x) | 33.9510% | 992 |
| Efficiency ratio | 60.6707% | 5,384 |
| Assets per employee ($millions) | 4.0589% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9565% | 2,302 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 6,697 |
| Noncurrent loans to loans | 0.0663% | 6,449 |
| Net loans and leases to total assets | 41.6250% | 6,153 |
| Net loans and leases to deposits | 48.0459% | 6,252 |
| Net loans and leases to core deposits | 49.4802% | 6,311 |
| Total domestic deposits to total assets | 86.6359% | 2,893 |
| Equity capital to assets | 12.1234% | 2,166 |
| Core capital (leverage) ratio | 10.8608% | 2,535 |
| Tier 1 risk-based capital ratio | 16.2598% | 3,128 |
| Total risk-based capital ratio | 17.4921% | 3,106 |
| Memoranda: | ||
| Average total assets | $56,526,750 | 6,078 |
| Average earning assets | $52,154,000 | 6,050 |
| Average equity | $6,396,500 | 5,988 |
| Average total loans | $24,176,500 | 6,320 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 3,167 |
| Cost of funding earning assets | 0.6434% | 4,496 |
| Net interest margin | 3.9991% | 2,508 |
| Noninterest income to average assets | 0.3367% | 5,135 |
| Noninterest expense to average assets | 2.3499% | 5,620 |
| Loan and lease loss provision to assets | 0.1063% | 4,194 |
| Net operating income to assets | 1.3606% | 1,281 |
| Return on assets (ROA) | 1.2157% | 1,855 |
| Pretax return on assets | 1.3929% | 2,221 |
| Return on Equity (ROE) | 11.0071% | 1,991 |
| Retained earnings to average equity (ytd only) | 11.0071% | 744 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5172% | 5,800 |
| Assets per employee ($millions) | 4.0499% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0780% | 2,040 |
| Loan loss allowance to noncurrent loans | 2,888.2353% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 6,758 |
| Noncurrent loans to loans | 0.0719% | 6,487 |
| Net loans and leases to total assets | 40.8085% | 6,287 |
| Net loans and leases to deposits | 46.8257% | 6,382 |
| Net loans and leases to core deposits | 48.7403% | 6,417 |
| Total domestic deposits to total assets | 87.1497% | 2,686 |
| Equity capital to assets | 11.6880% | 2,423 |
| Core capital (leverage) ratio | 10.6701% | 2,639 |
| Tier 1 risk-based capital ratio | 15.9800% | 3,179 |
| Total risk-based capital ratio | 17.2305% | 3,145 |
| Memoranda: | ||
| Average total assets | $56,427,670 | 6,128 |
| Average earning assets | $51,911,330 | 6,094 |
| Average equity | $6,232,330 | 6,056 |
| Average total loans | $24,193,670 | 6,354 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 3,610 |
| Cost of funding earning assets | 0.6977% | 4,302 |
| Net interest margin | 3.8793% | 3,009 |
| Noninterest income to average assets | 0.2913% | 5,532 |
| Noninterest expense to average assets | 2.3662% | 5,580 |
| Loan and lease loss provision to assets | 0.2132% | 2,820 |
| Net operating income to assets | 1.1725% | 1,816 |
| Return on assets (ROA) | 1.1085% | 2,233 |
| Pretax return on assets | 1.2364% | 2,777 |
| Return on Equity (ROE) | 10.3397% | 2,287 |
| Retained earnings to average equity (ytd only) | 10.3397% | 1,191 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8775% | 5,475 |
| Assets per employee ($millions) | 4.0857% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 2,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.0245% | 6,192 |
| Net loans and leases to deposits | 48.5577% | 6,259 |
| Net loans and leases to core deposits | 50.6031% | 6,298 |
| Total domestic deposits to total assets | 86.5455% | 3,216 |
| Equity capital to assets | 10.9318% | 2,993 |
| Core capital (leverage) ratio | 10.4119% | 2,861 |
| Tier 1 risk-based capital ratio | 14.7654% | 3,916 |
| Total risk-based capital ratio | 15.9975% | 3,887 |
| Memoranda: | ||
| Average total assets | $56,292,000 | 6,170 |
| Average earning assets | $52,174,000 | 6,130 |
| Average equity | $6,035,000 | 6,140 |
| Average total loans | $24,476,000 | 6,398 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 4,456 |
| Cost of funding earning assets | 0.9574% | 3,668 |
| Net interest margin | 3.6919% | 4,334 |
| Noninterest income to average assets | 0.3158% | 5,282 |
| Noninterest expense to average assets | 2.4889% | 5,508 |
| Loan and lease loss provision to assets | 0.2960% | 3,299 |
| Net operating income to assets | 0.8471% | 2,838 |
| Return on assets (ROA) | 0.8519% | 2,964 |
| Pretax return on assets | 0.9674% | 3,357 |
| Return on Equity (ROE) | 8.5597% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.5597% | 911 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4258% | 4,678 |
| Assets per employee ($millions) | 3.9560% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 2,606 |
| Loan loss allowance to noncurrent loans | 1,182.0513% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,778 |
| Noncurrent loans to loans | 0.1597% | 6,434 |
| Net loans and leases to total assets | 43.2652% | 6,267 |
| Net loans and leases to deposits | 50.1580% | 6,357 |
| Net loans and leases to core deposits | 52.2389% | 6,417 |
| Total domestic deposits to total assets | 86.2578% | 3,161 |
| Equity capital to assets | 10.5030% | 3,534 |
| Core capital (leverage) ratio | 10.0808% | 3,245 |
| Tier 1 risk-based capital ratio | 14.2850% | 4,120 |
| Total risk-based capital ratio | 15.4371% | 4,142 |
| Memoranda: | ||
| Average total assets | $55,406,200 | 6,187 |
| Average earning assets | $51,491,000 | 6,142 |
| Average equity | $5,514,200 | 6,290 |
| Average total loans | $22,230,800 | 6,541 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 4,582 |
| Cost of funding earning assets | 1.0020% | 3,666 |
| Net interest margin | 3.6707% | 4,470 |
| Noninterest income to average assets | 0.3224% | 5,289 |
| Noninterest expense to average assets | 2.5217% | 5,393 |
| Loan and lease loss provision to assets | 0.1564% | 4,512 |
| Net operating income to assets | 0.9161% | 2,685 |
| Return on assets (ROA) | 0.9817% | 2,543 |
| Pretax return on assets | 1.1213% | 2,923 |
| Return on Equity (ROE) | 10.0026% | 2,196 |
| Retained earnings to average equity (ytd only) | 10.0026% | 842 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7003% | 4,377 |
| Assets per employee ($millions) | 4.0387% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6355% | 3,500 |
| Loan loss allowance to noncurrent loans | 3,620.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 7,020 |
| Noncurrent loans to loans | 0.0452% | 6,826 |
| Net loans and leases to total assets | 38.5059% | 6,743 |
| Net loans and leases to deposits | 44.2080% | 6,821 |
| Net loans and leases to core deposits | 45.9829% | 6,847 |
| Total domestic deposits to total assets | 87.1016% | 2,592 |
| Equity capital to assets | 10.1447% | 4,161 |
| Core capital (leverage) ratio | 9.9015% | 3,573 |
| Tier 1 risk-based capital ratio | 14.4708% | 3,997 |
| Total risk-based capital ratio | 15.3976% | 4,210 |
| Memoranda: | ||
| Average total assets | $55,411,750 | 6,226 |
| Average earning assets | $51,360,500 | 6,188 |
| Average equity | $5,438,500 | 6,356 |
| Average total loans | $21,682,750 | 6,638 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 4,937 |
| Cost of funding earning assets | 1.0266% | 3,769 |
| Net interest margin | 3.5795% | 4,789 |
| Noninterest income to average assets | 0.3307% | 5,246 |
| Noninterest expense to average assets | 2.5620% | 5,319 |
| Loan and lease loss provision to assets | 0.0727% | 5,396 |
| Net operating income to assets | 0.9105% | 2,599 |
| Return on assets (ROA) | 0.8976% | 2,760 |
| Pretax return on assets | 1.0139% | 3,191 |
| Return on Equity (ROE) | 9.2521% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.2521% | 1,030 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9405% | 4,133 |
| Assets per employee ($millions) | 3.7601% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 4,241 |
| Loan loss allowance to noncurrent loans | 5,283.3333% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,096 |
| Noncurrent loans to loans | 0.0279% | 6,916 |
| Net loans and leases to total assets | 37.5508% | 6,885 |
| Net loans and leases to deposits | 42.9812% | 6,956 |
| Net loans and leases to core deposits | 44.7041% | 6,987 |
| Total domestic deposits to total assets | 87.3655% | 2,538 |
| Equity capital to assets | 10.0317% | 4,104 |
| Core capital (leverage) ratio | 9.8124% | 3,503 |
| Tier 1 risk-based capital ratio | 14.5445% | 3,758 |
| Total risk-based capital ratio | 15.3816% | 4,043 |
| Memoranda: | ||
| Average total assets | $55,035,000 | 6,294 |
| Average earning assets | $51,236,670 | 6,249 |
| Average equity | $5,339,330 | 6,428 |
| Average total loans | $21,532,330 | 6,718 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 5,051 |
| Cost of funding earning assets | 1.0474% | 3,873 |
| Net interest margin | 3.5280% | 4,890 |
| Noninterest income to average assets | 0.3238% | 5,332 |
| Noninterest expense to average assets | 2.5979% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8979% | 2,573 |
| Return on assets (ROA) | 0.8979% | 2,633 |
| Pretax return on assets | 1.0230% | 3,050 |
| Return on Equity (ROE) | 9.4208% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.4208% | 1,255 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7480% | 3,922 |
| Assets per employee ($millions) | 3.6735% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 4,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 38.5086% | 6,874 |
| Net loans and leases to deposits | 43.8690% | 6,960 |
| Net loans and leases to core deposits | 44.6443% | 7,021 |
| Total domestic deposits to total assets | 87.7808% | 2,502 |
| Equity capital to assets | 9.6131% | 4,298 |
| Core capital (leverage) ratio | 9.8437% | 3,338 |
| Tier 1 risk-based capital ratio | 14.5900% | 3,684 |
| Total risk-based capital ratio | 15.3967% | 3,946 |
| Memoranda: | ||
| Average total assets | $54,352,000 | 6,361 |
| Average earning assets | $50,794,000 | 6,311 |
| Average equity | $5,180,000 | 6,491 |
| Average total loans | $21,550,500 | 6,770 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 4,885 |
| Cost of funding earning assets | 1.2878% | 3,962 |
| Net interest margin | 3.6398% | 4,619 |
| Noninterest income to average assets | 0.3205% | 5,496 |
| Noninterest expense to average assets | 2.6605% | 5,176 |
| Loan and lease loss provision to assets | 0.1352% | 5,819 |
| Net operating income to assets | 0.6840% | 3,285 |
| Return on assets (ROA) | 0.7133% | 3,308 |
| Pretax return on assets | 0.9078% | 3,252 |
| Return on Equity (ROE) | 8.1303% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.1303% | 946 |
| Net charge-offs to loans | 0.0935% | 5,908 |
| Credit loss provision to net charge-offs | 365.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 27.1500% | 802 |
| Efficiency ratio | 72.5619% | 3,691 |
| Assets per employee ($millions) | 3.5735% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 4,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 39.7149% | 6,979 |
| Net loans and leases to deposits | 45.2349% | 7,072 |
| Net loans and leases to core deposits | 45.7964% | 7,147 |
| Total domestic deposits to total assets | 87.7971% | 2,368 |
| Equity capital to assets | 9.4455% | 4,477 |
| Core capital (leverage) ratio | 9.6108% | 3,538 |
| Tier 1 risk-based capital ratio | 14.4625% | 3,570 |
| Total risk-based capital ratio | 15.2811% | 3,816 |
| Memoranda: | ||
| Average total assets | $53,974,800 | 6,403 |
| Average earning assets | $49,617,800 | 6,381 |
| Average equity | $4,735,400 | 6,749 |
| Average total loans | $21,387,400 | 6,856 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 4,826 |
| Cost of funding earning assets | 1.3281% | 4,046 |
| Net interest margin | 3.6690% | 4,547 |
| Noninterest income to average assets | 0.3008% | 5,739 |
| Noninterest expense to average assets | 2.6854% | 4,943 |
| Loan and lease loss provision to assets | 0.1159% | 5,866 |
| Net operating income to assets | 0.6495% | 3,646 |
| Return on assets (ROA) | 0.7151% | 3,498 |
| Pretax return on assets | 0.9445% | 3,390 |
| Return on Equity (ROE) | 8.3090% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.3090% | 1,311 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3827% | 3,440 |
| Assets per employee ($millions) | 3.5951% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 4,725 |
| Loan loss allowance to noncurrent loans | 1,077.7778% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 7,222 |
| Noncurrent loans to loans | 0.1249% | 6,929 |
| Net loans and leases to total assets | 39.5368% | 7,098 |
| Net loans and leases to deposits | 45.2406% | 7,194 |
| Net loans and leases to core deposits | 45.2406% | 7,283 |
| Total domestic deposits to total assets | 87.3922% | 2,322 |
| Equity capital to assets | 9.7780% | 4,445 |
| Core capital (leverage) ratio | 9.4409% | 4,000 |
| Tier 1 risk-based capital ratio | 14.3615% | 3,588 |
| Total risk-based capital ratio | 15.1743% | 3,856 |
| Memoranda: | ||
| Average total assets | $54,068,000 | 6,474 |
| Average earning assets | $49,494,500 | 6,453 |
| Average equity | $4,653,500 | 6,855 |
| Average total loans | $21,338,000 | 6,945 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 5,133 |
| Cost of funding earning assets | 1.3690% | 4,067 |
| Net interest margin | 3.5911% | 4,856 |
| Noninterest income to average assets | 0.2883% | 5,844 |
| Noninterest expense to average assets | 2.7017% | 4,901 |
| Loan and lease loss provision to assets | 0.1737% | 5,128 |
| Net operating income to assets | 0.4917% | 4,369 |
| Return on assets (ROA) | 0.4731% | 4,605 |
| Pretax return on assets | 0.6542% | 4,384 |
| Return on Equity (ROE) | 5.7567% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.7567% | 2,467 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9875% | 3,083 |
| Assets per employee ($millions) | 3.4496% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 4,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.6916% | 7,185 |
| Net loans and leases to deposits | 44.6708% | 7,301 |
| Net loans and leases to core deposits | 44.6708% | 7,388 |
| Total domestic deposits to total assets | 88.8537% | 1,518 |
| Equity capital to assets | 8.5736% | 6,055 |
| Core capital (leverage) ratio | 9.1949% | 4,307 |
| Tier 1 risk-based capital ratio | 12.9417% | 4,497 |
| Total risk-based capital ratio | 13.6984% | 4,887 |
| Memoranda: | ||
| Average total assets | $54,115,000 | 6,513 |
| Average earning assets | $49,232,330 | 6,500 |
| Average equity | $4,447,000 | 6,954 |
| Average total loans | $21,246,670 | 7,002 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 4,445 |
| Cost of funding earning assets | 1.4223% | 4,034 |
| Net interest margin | 3.6963% | 4,264 |
| Noninterest income to average assets | 0.2762% | 5,943 |
| Noninterest expense to average assets | 2.8595% | 4,231 |
| Loan and lease loss provision to assets | 0.3509% | 3,276 |
| Net operating income to assets | 0.1631% | 5,813 |
| Return on assets (ROA) | 0.1344% | 6,032 |
| Pretax return on assets | 0.3584% | 5,420 |
| Return on Equity (ROE) | 1.6727% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.6727% | 5,099 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1322% | 2,697 |
| Assets per employee ($millions) | 3.3113% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 4,590 |
| Loan loss allowance to noncurrent loans | 1,039.2857% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 7,356 |
| Noncurrent loans to loans | 0.1316% | 7,074 |
| Net loans and leases to total assets | 39.6218% | 7,272 |
| Net loans and leases to deposits | 44.5737% | 7,383 |
| Net loans and leases to core deposits | 44.5737% | 7,470 |
| Total domestic deposits to total assets | 88.8904% | 1,575 |
| Equity capital to assets | 8.4672% | 6,048 |
| Core capital (leverage) ratio | 9.2032% | 4,223 |
| Tier 1 risk-based capital ratio | 13.8236% | 3,785 |
| Total risk-based capital ratio | 14.6501% | 4,009 |
| Memoranda: | ||
| Average total assets | $53,576,000 | 6,618 |
| Average earning assets | $48,373,000 | 6,615 |
| Average equity | $4,304,500 | 7,069 |
| Average total loans | $20,771,000 | 7,108 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5989% | 3,618 |
| Cost of funding earning assets | 2.0794% | 2,572 |
| Net interest margin | 3.5196% | 4,872 |
| Noninterest income to average assets | 0.3288% | 5,730 |
| Noninterest expense to average assets | 2.6436% | 5,618 |
| Loan and lease loss provision to assets | 0.0658% | 6,918 |
| Net operating income to assets | 0.7663% | 2,653 |
| Return on assets (ROA) | 0.1278% | 5,178 |
| Pretax return on assets | -0.1916% | 5,696 |
| Return on Equity (ROE) | 1.7364% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.7364% | 3,872 |
| Net charge-offs to loans | 0.0098% | 7,094 |
| Credit loss provision to net charge-offs | 1,750.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 121 |
| Efficiency ratio | 75.2004% | 3,670 |
| Assets per employee ($millions) | 3.3857% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,329 |
| Loan loss allowance to noncurrent loans | 841.3793% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 7,362 |
| Noncurrent loans to loans | 0.1431% | 7,071 |
| Net loans and leases to total assets | 36.9478% | 7,487 |
| Net loans and leases to deposits | 41.3209% | 7,587 |
| Net loans and leases to core deposits | 51.8402% | 7,529 |
| Total domestic deposits to total assets | 89.4168% | 1,258 |
| Equity capital to assets | 7.6111% | 6,937 |
| Core capital (leverage) ratio | 8.9218% | 4,556 |
| Tier 1 risk-based capital ratio | 12.9296% | 4,189 |
| Total risk-based capital ratio | 13.5843% | 4,611 |
| Memoranda: | ||
| Average total assets | $53,222,400 | 6,588 |
| Average earning assets | $48,187,800 | 6,593 |
| Average equity | $3,916,200 | 7,323 |
| Average total loans | $20,410,800 | 7,167 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7081% | 3,302 |
| Cost of funding earning assets | 2.2031% | 2,399 |
| Net interest margin | 3.5050% | 4,843 |
| Noninterest income to average assets | 0.3246% | 5,886 |
| Noninterest expense to average assets | 2.1817% | 7,023 |
| Loan and lease loss provision to assets | 0.0881% | 6,484 |
| Net operating income to assets | 1.0043% | 2,040 |
| Return on assets (ROA) | 0.1459% | 5,399 |
| Pretax return on assets | 0.1787% | 5,341 |
| Return on Equity (ROE) | 2.0010% | 5,156 |
| Retained earnings to average equity (ytd only) | 2.0010% | 4,199 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4190% | 6,032 |
| Assets per employee ($millions) | 3.3931% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,936 |
| Loan loss allowance to noncurrent loans | 534.7826% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 7,337 |
| Noncurrent loans to loans | 0.2306% | 6,923 |
| Net loans and leases to total assets | 36.2866% | 7,611 |
| Net loans and leases to deposits | 41.2885% | 7,690 |
| Net loans and leases to core deposits | 52.4187% | 7,637 |
| Total domestic deposits to total assets | 87.8854% | 1,708 |
| Equity capital to assets | 8.8948% | 5,641 |
| Core capital (leverage) ratio | 8.8140% | 4,954 |
| Tier 1 risk-based capital ratio | 13.0227% | 4,176 |
| Total risk-based capital ratio | 13.6973% | 4,539 |
| Memoranda: | ||
| Average total assets | $52,985,250 | 6,639 |
| Average earning assets | $47,930,250 | 6,650 |
| Average equity | $3,864,500 | 7,395 |
| Average total loans | $20,448,750 | 7,234 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6659% | 3,734 |
| Cost of funding earning assets | 2.3102% | 2,315 |
| Net interest margin | 3.3557% | 5,336 |
| Noninterest income to average assets | 0.3197% | 5,952 |
| Noninterest expense to average assets | 2.6299% | 5,617 |
| Loan and lease loss provision to assets | 0.1332% | 5,759 |
| Net operating income to assets | 0.5237% | 4,009 |
| Return on assets (ROA) | 0.4186% | 4,540 |
| Pretax return on assets | 0.4681% | 4,723 |
| Return on Equity (ROE) | 6.2094% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.2094% | 1,925 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5227% | 3,269 |
| Assets per employee ($millions) | 3.3478% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 4,945 |
| Loan loss allowance to noncurrent loans | 1,447.0588% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 7,321 |
| Noncurrent loans to loans | 0.0829% | 7,318 |
| Net loans and leases to total assets | 37.8220% | 7,641 |
| Net loans and leases to deposits | 42.9052% | 7,730 |
| Net loans and leases to core deposits | 55.6505% | 7,610 |
| Total domestic deposits to total assets | 88.1525% | 1,691 |
| Equity capital to assets | 7.2437% | 7,453 |
| Core capital (leverage) ratio | 9.1923% | 4,318 |
| Tier 1 risk-based capital ratio | 12.0088% | 4,904 |
| Total risk-based capital ratio | 12.6237% | 5,431 |
| Memoranda: | ||
| Average total assets | $52,550,330 | 6,722 |
| Average earning assets | $47,441,670 | 6,731 |
| Average equity | $3,543,000 | 7,559 |
| Average total loans | $20,616,330 | 7,289 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6223% | 4,225 |
| Cost of funding earning assets | 2.4194% | 2,211 |
| Net interest margin | 3.2029% | 5,847 |
| Noninterest income to average assets | 0.3074% | 5,984 |
| Noninterest expense to average assets | 2.6747% | 5,125 |
| Loan and lease loss provision to assets | 0.1614% | 4,874 |
| Net operating income to assets | 0.3305% | 5,161 |
| Return on assets (ROA) | -0.0384% | 6,445 |
| Pretax return on assets | -0.0384% | 6,421 |
| Return on Equity (ROE) | -0.5927% | 6,478 |
| Retained earnings to average equity (ytd only) | -0.5927% | 5,786 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4660% | 2,250 |
| Assets per employee ($millions) | 3.4947% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,425 |
| 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 | 39.5681% | 7,589 |
| Net loans and leases to deposits | 43.7429% | 7,734 |
| Net loans and leases to core deposits | 58.0050% | 7,526 |
| Total domestic deposits to total assets | 90.4561% | 615 |
| Equity capital to assets | 6.1235% | 7,974 |
| Core capital (leverage) ratio | 8.6978% | 5,152 |
| Tier 1 risk-based capital ratio | 11.7175% | 5,190 |
| Total risk-based capital ratio | 12.3181% | 5,747 |
| Memoranda: | ||
| Average total assets | $52,043,500 | 6,779 |
| Average earning assets | $46,457,500 | 6,821 |
| Average equity | $3,374,500 | 7,663 |
| Average total loans | $20,672,000 | 7,320 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0503% | 5,298 |
| Cost of funding earning assets | 2.6347% | 3,509 |
| Net interest margin | 3.4156% | 5,595 |
| Noninterest income to average assets | 0.3503% | 5,927 |
| Noninterest expense to average assets | 2.6098% | 5,612 |
| Loan and lease loss provision to assets | 0.1043% | 6,047 |
| Net operating income to assets | 0.6909% | 3,932 |
| Return on assets (ROA) | 0.0787% | 6,005 |
| Pretax return on assets | -0.2126% | 6,380 |
| Return on Equity (ROE) | 0.9327% | 5,941 |
| Retained earnings to average equity (ytd only) | 0.9327% | 4,672 |
| Net charge-offs to loans | 0.0877% | 5,489 |
| Credit loss provision to net charge-offs | 294.4444% | 1,536 |
| Earnings coverage of net charge-offs (x) | 23.9444% | 1,391 |
| Efficiency ratio | 75.4696% | 3,334 |
| Assets per employee ($millions) | 3.4444% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 5,741 |
| 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 | 39.0179% | 7,715 |
| Net loans and leases to deposits | 43.0766% | 7,873 |
| Net loans and leases to core deposits | 57.9431% | 7,668 |
| Total domestic deposits to total assets | 90.5779% | 461 |
| Equity capital to assets | 6.8498% | 7,803 |
| Core capital (leverage) ratio | 9.2274% | 4,396 |
| Tier 1 risk-based capital ratio | 12.6631% | 4,312 |
| Total risk-based capital ratio | 13.2427% | 4,715 |
| Memoranda: | ||
| Average total assets | $50,809,000 | 6,746 |
| Average earning assets | $46,229,000 | 6,757 |
| Average equity | $4,288,400 | 7,397 |
| Average total loans | $20,533,000 | 7,297 |