Home > Bank of McCrory > Performance and Condition Ratios
Bank of McCrory, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7046% | 5,562 |
| Cost of funding earning assets | 0.1651% | 5,226 |
| Net interest margin | 2.5395% | 5,447 |
| Noninterest income to average assets | 0.2463% | 4,727 |
| Noninterest expense to average assets | 1.8154% | 5,255 |
| Loan and lease loss provision to assets | 0.0928% | 2,229 |
| Net operating income to assets | 0.9431% | 2,815 |
| Return on assets (ROA) | 0.9431% | 2,878 |
| Pretax return on assets | 0.8031% | 4,340 |
| Return on Equity (ROE) | 8.8090% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.8090% | 909 |
| Net charge-offs to loans | 1.5350% | 100 |
| Credit loss provision to net charge-offs | 20.6767% | 3,151 |
| Earnings coverage of net charge-offs (x) | 1.9962% | 3,516 |
| Efficiency ratio | 66.9571% | 3,054 |
| Assets per employee ($millions) | 5.2569% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 5,351 |
| Loan loss allowance to noncurrent loans | 7.9768% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.6898% | 365 |
| Noncurrent loans to loans | 7.3477% | 64 |
| Net loans and leases to total assets | 32.4803% | 5,444 |
| Net loans and leases to deposits | 36.6152% | 5,487 |
| Net loans and leases to core deposits | 37.0533% | 5,510 |
| Total domestic deposits to total assets | 88.7070% | 1,011 |
| Equity capital to assets | 11.2791% | 2,591 |
| Core capital (leverage) ratio | 11.0949% | 2,375 |
| Tier 1 risk-based capital ratio | 24.5827% | 796 |
| Total risk-based capital ratio | 25.0042% | 855 |
| Memoranda: | ||
| Average total assets | $79,026,250 | 4,653 |
| Average earning assets | $76,706,500 | 4,571 |
| Average equity | $8,460,750 | 4,756 |
| Average total loans | $23,104,750 | 5,273 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6370% | 5,616 |
| Cost of funding earning assets | 0.1589% | 5,279 |
| Net interest margin | 2.4780% | 5,520 |
| Noninterest income to average assets | 0.2428% | 4,788 |
| Noninterest expense to average assets | 1.8107% | 5,301 |
| Loan and lease loss provision to assets | 0.1391% | 1,482 |
| Net operating income to assets | 0.7739% | 3,526 |
| Return on assets (ROA) | 0.7739% | 3,576 |
| Pretax return on assets | 0.6980% | 4,552 |
| Return on Equity (ROE) | 7.3590% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.3590% | 1,421 |
| Net charge-offs to loans | 2.3944% | 61 |
| Credit loss provision to net charge-offs | 20.6767% | 2,783 |
| Earnings coverage of net charge-offs (x) | 1.2444% | 3,306 |
| Efficiency ratio | 68.3859% | 2,939 |
| Assets per employee ($millions) | 5.2687% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 5,344 |
| Loan loss allowance to noncurrent loans | 8.8252% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 2.4535% | 453 |
| Noncurrent loans to loans | 7.0496% | 69 |
| Net loans and leases to total assets | 30.5197% | 5,530 |
| Net loans and leases to deposits | 34.2672% | 5,567 |
| Net loans and leases to core deposits | 34.5499% | 5,590 |
| Total domestic deposits to total assets | 89.0638% | 924 |
| Equity capital to assets | 10.9046% | 2,920 |
| Core capital (leverage) ratio | 11.1170% | 2,302 |
| Tier 1 risk-based capital ratio | 25.3535% | 718 |
| Total risk-based capital ratio | 25.8012% | 773 |
| Memoranda: | ||
| Average total assets | $79,083,670 | 4,681 |
| Average earning assets | $76,754,000 | 4,596 |
| Average equity | $8,316,330 | 4,798 |
| Average total loans | $22,218,670 | 5,347 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7174% | 5,638 |
| Cost of funding earning assets | 0.1565% | 5,325 |
| Net interest margin | 2.5609% | 5,493 |
| Noninterest income to average assets | 0.2376% | 4,840 |
| Noninterest expense to average assets | 1.8000% | 5,377 |
| Loan and lease loss provision to assets | 0.2781% | 515 |
| Net operating income to assets | 0.6421% | 3,966 |
| Return on assets (ROA) | 0.6421% | 4,004 |
| Pretax return on assets | 0.6421% | 4,620 |
| Return on Equity (ROE) | 6.2213% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.2213% | 2,225 |
| Net charge-offs to loans | 4.0203% | 29 |
| Credit loss provision to net charge-offs | 25.8216% | 2,141 |
| Earnings coverage of net charge-offs (x) | 0.8545% | 2,790 |
| Efficiency ratio | 66.1710% | 3,468 |
| Assets per employee ($millions) | 5.0411% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,868 |
| Loan loss allowance to noncurrent loans | 8.6809% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.4093% | 255 |
| Noncurrent loans to loans | 12.3574% | 22 |
| Net loans and leases to total assets | 24.8797% | 5,685 |
| Net loans and leases to deposits | 27.9556% | 5,705 |
| Net loans and leases to core deposits | 28.3030% | 5,715 |
| Total domestic deposits to total assets | 88.9970% | 1,144 |
| Equity capital to assets | 10.9831% | 2,639 |
| Core capital (leverage) ratio | 10.7340% | 2,657 |
| Tier 1 risk-based capital ratio | 27.6525% | 584 |
| Total risk-based capital ratio | 28.3261% | 609 |
| Memoranda: | ||
| Average total assets | $79,110,000 | 4,729 |
| Average earning assets | $76,690,500 | 4,639 |
| Average equity | $8,165,500 | 4,868 |
| Average total loans | $21,192,500 | 5,429 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5728% | 5,733 |
| Cost of funding earning assets | 0.1403% | 5,483 |
| Net interest margin | 2.4326% | 5,620 |
| Noninterest income to average assets | 0.2773% | 4,759 |
| Noninterest expense to average assets | 1.9854% | 5,217 |
| Loan and lease loss provision to assets | 0.2017% | 1,142 |
| Net operating income to assets | 0.5067% | 4,606 |
| Return on assets (ROA) | 0.5067% | 4,680 |
| Pretax return on assets | 0.4513% | 5,116 |
| Return on Equity (ROE) | 4.8441% | 4,495 |
| Retained earnings to average equity (ytd only) | 1.9521% | 4,425 |
| Net charge-offs to loans | 0.3915% | 679 |
| Credit loss provision to net charge-offs | 156.8627% | 1,756 |
| Earnings coverage of net charge-offs (x) | 5.0784% | 3,393 |
| Efficiency ratio | 75.2508% | 2,103 |
| Assets per employee ($millions) | 5.5069% | 1,863 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,506 |
| Loan loss allowance to noncurrent loans | 14.6145% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 3.2928% | 275 |
| Noncurrent loans to loans | 10.6000% | 23 |
| Net loans and leases to total assets | 27.8510% | 5,685 |
| Net loans and leases to deposits | 30.8557% | 5,726 |
| Net loans and leases to core deposits | 31.2009% | 5,739 |
| Total domestic deposits to total assets | 90.2620% | 534 |
| Equity capital to assets | 9.7162% | 4,046 |
| Core capital (leverage) ratio | 10.2946% | 3,116 |
| Tier 1 risk-based capital ratio | 24.0662% | 860 |
| Total risk-based capital ratio | 25.1226% | 859 |
| Memoranda: | ||
| Average total assets | $79,329,800 | 4,743 |
| Average earning assets | $76,996,800 | 4,651 |
| Average equity | $8,298,800 | 4,887 |
| Average total loans | $26,053,200 | 5,314 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6435% | 5,781 |
| Cost of funding earning assets | 0.1365% | 5,575 |
| Net interest margin | 2.5070% | 5,652 |
| Noninterest income to average assets | 0.2904% | 4,691 |
| Noninterest expense to average assets | 1.8188% | 5,497 |
| Loan and lease loss provision to assets | 0.2717% | 654 |
| Net operating income to assets | 0.6114% | 4,243 |
| Return on assets (ROA) | 0.6114% | 4,358 |
| Pretax return on assets | 0.6334% | 4,790 |
| Return on Equity (ROE) | 5.7367% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.7367% | 2,335 |
| Net charge-offs to loans | 0.4540% | 465 |
| Credit loss provision to net charge-offs | 175.8242% | 1,586 |
| Earnings coverage of net charge-offs (x) | 5.8572% | 3,071 |
| Efficiency ratio | 66.7706% | 3,460 |
| Assets per employee ($millions) | 5.3263% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,341 |
| Loan loss allowance to noncurrent loans | 11.2451% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 4.4559% | 177 |
| Noncurrent loans to loans | 10.5318% | 31 |
| Net loans and leases to total assets | 38.9541% | 5,431 |
| Net loans and leases to deposits | 43.6500% | 5,524 |
| Net loans and leases to core deposits | 44.7322% | 5,557 |
| Total domestic deposits to total assets | 89.2420% | 780 |
| Equity capital to assets | 10.6829% | 3,371 |
| Core capital (leverage) ratio | 10.5355% | 2,956 |
| Tier 1 risk-based capital ratio | 21.3105% | 1,221 |
| Total risk-based capital ratio | 22.2517% | 1,254 |
| Memoranda: | ||
| Average total assets | $78,511,250 | 4,795 |
| Average earning assets | $76,210,750 | 4,707 |
| Average equity | $8,367,000 | 4,920 |
| Average total loans | $26,724,500 | 5,355 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4574% | 5,911 |
| Cost of funding earning assets | 0.1293% | 5,696 |
| Net interest margin | 2.3280% | 5,849 |
| Noninterest income to average assets | 0.2998% | 4,642 |
| Noninterest expense to average assets | 1.8322% | 5,553 |
| Loan and lease loss provision to assets | 0.0512% | 3,120 |
| Net operating income to assets | 0.6765% | 3,920 |
| Return on assets (ROA) | 0.6765% | 4,057 |
| Pretax return on assets | 0.6765% | 4,692 |
| Return on Equity (ROE) | 6.3530% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.3530% | 1,935 |
| Net charge-offs to loans | 0.2546% | 936 |
| Credit loss provision to net charge-offs | 62.5000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 8.8750% | 2,473 |
| Efficiency ratio | 71.5716% | 2,735 |
| Assets per employee ($millions) | 5.1629% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 4,244 |
| Loan loss allowance to noncurrent loans | 8.4662% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 4.7673% | 159 |
| Noncurrent loans to loans | 12.3709% | 22 |
| Net loans and leases to total assets | 35.6232% | 5,623 |
| Net loans and leases to deposits | 40.0907% | 5,689 |
| Net loans and leases to core deposits | 40.9682% | 5,709 |
| Total domestic deposits to total assets | 88.8565% | 981 |
| Equity capital to assets | 10.9976% | 3,062 |
| Core capital (leverage) ratio | 10.8146% | 2,629 |
| Tier 1 risk-based capital ratio | 22.5496% | 1,074 |
| Total risk-based capital ratio | 23.3383% | 1,111 |
| Memoranda: | ||
| Average total assets | $78,050,330 | 4,861 |
| Average earning assets | $75,772,000 | 4,763 |
| Average equity | $8,311,000 | 4,969 |
| Average total loans | $25,134,330 | 5,457 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3718% | 6,002 |
| Cost of funding earning assets | 0.1315% | 5,744 |
| Net interest margin | 2.2403% | 5,949 |
| Noninterest income to average assets | 0.3420% | 4,280 |
| Noninterest expense to average assets | 1.8378% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6790% | 3,821 |
| Return on assets (ROA) | 0.6790% | 3,941 |
| Pretax return on assets | 0.6790% | 4,592 |
| Return on Equity (ROE) | 6.4815% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.4815% | 2,146 |
| Net charge-offs to loans | 0.5219% | 413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.2903% | 2,450 |
| Efficiency ratio | 73.0223% | 2,637 |
| Assets per employee ($millions) | 5.4136% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 3,089 |
| Loan loss allowance to noncurrent loans | 11.5044% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 3.4516% | 329 |
| Noncurrent loans to loans | 10.9861% | 33 |
| Net loans and leases to total assets | 28.1396% | 5,870 |
| Net loans and leases to deposits | 31.6293% | 5,907 |
| Net loans and leases to core deposits | 32.4592% | 5,913 |
| Total domestic deposits to total assets | 88.9669% | 1,121 |
| Equity capital to assets | 10.9658% | 2,978 |
| Core capital (leverage) ratio | 10.3061% | 3,190 |
| Tier 1 risk-based capital ratio | 23.5084% | 962 |
| Total risk-based capital ratio | 24.2892% | 992 |
| Memoranda: | ||
| Average total assets | $78,353,500 | 4,893 |
| Average earning assets | $76,061,000 | 4,794 |
| Average equity | $8,208,000 | 5,017 |
| Average total loans | $23,761,500 | 5,558 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7770% | 5,895 |
| Cost of funding earning assets | 0.1325% | 5,799 |
| Net interest margin | 2.6446% | 5,714 |
| Noninterest income to average assets | 0.2607% | 5,032 |
| Noninterest expense to average assets | 1.9638% | 5,522 |
| Loan and lease loss provision to assets | 0.1003% | 2,309 |
| Net operating income to assets | 0.7313% | 3,666 |
| Return on assets (ROA) | 0.7313% | 3,762 |
| Pretax return on assets | 0.7631% | 4,324 |
| Return on Equity (ROE) | 7.4955% | 3,252 |
| Retained earnings to average equity (ytd only) | 0.2418% | 5,415 |
| Net charge-offs to loans | 0.4197% | 676 |
| Credit loss provision to net charge-offs | 70.8333% | 3,114 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 3,277 |
| Efficiency ratio | 69.4618% | 3,308 |
| Assets per employee ($millions) | 5.3945% | 1,909 |
| Cash dividends to net income (ytd only)* | 96.7742% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 3,629 |
| Loan loss allowance to noncurrent loans | 13.1204% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 3.1637% | 404 |
| Noncurrent loans to loans | 8.9380% | 57 |
| Net loans and leases to total assets | 31.6608% | 5,846 |
| Net loans and leases to deposits | 35.1948% | 5,903 |
| Net loans and leases to core deposits | 36.3560% | 5,912 |
| Total domestic deposits to total assets | 89.9588% | 646 |
| Equity capital to assets | 10.0164% | 3,938 |
| Core capital (leverage) ratio | 9.7808% | 3,802 |
| Tier 1 risk-based capital ratio | 20.3668% | 1,409 |
| Total risk-based capital ratio | 21.1326% | 1,473 |
| Memoranda: | ||
| Average total assets | $84,786,200 | 4,773 |
| Average earning assets | $82,282,200 | 4,668 |
| Average equity | $8,271,600 | 5,014 |
| Average total loans | $28,591,200 | 5,420 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7456% | 5,996 |
| Cost of funding earning assets | 0.1346% | 5,891 |
| Net interest margin | 2.6110% | 5,828 |
| Noninterest income to average assets | 0.2705% | 4,998 |
| Noninterest expense to average assets | 1.7973% | 5,778 |
| Loan and lease loss provision to assets | 0.1322% | 1,695 |
| Net operating income to assets | 0.7665% | 3,606 |
| Return on assets (ROA) | 0.7665% | 3,700 |
| Pretax return on assets | 0.8738% | 4,074 |
| Return on Equity (ROE) | 7.9069% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.9069% | 1,278 |
| Net charge-offs to loans | 0.5286% | 442 |
| Credit loss provision to net charge-offs | 73.2759% | 2,712 |
| Earnings coverage of net charge-offs (x) | 5.5777% | 3,183 |
| Efficiency ratio | 64.1154% | 4,226 |
| Assets per employee ($millions) | 5.5848% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 5,147 |
| Loan loss allowance to noncurrent loans | 14.4398% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 2.8578% | 555 |
| Noncurrent loans to loans | 6.3320% | 123 |
| Net loans and leases to total assets | 39.8439% | 5,598 |
| Net loans and leases to deposits | 44.4205% | 5,708 |
| Net loans and leases to core deposits | 45.8382% | 5,735 |
| Total domestic deposits to total assets | 89.6970% | 695 |
| Equity capital to assets | 10.2612% | 3,863 |
| Core capital (leverage) ratio | 10.1036% | 3,495 |
| Tier 1 risk-based capital ratio | 18.5012% | 1,897 |
| Total risk-based capital ratio | 19.1672% | 2,013 |
| Memoranda: | ||
| Average total assets | $85,753,500 | 4,809 |
| Average earning assets | $83,185,750 | 4,711 |
| Average equity | $8,313,250 | 5,070 |
| Average total loans | $29,258,250 | 5,452 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6530% | 6,099 |
| Cost of funding earning assets | 0.1360% | 5,943 |
| Net interest margin | 2.5170% | 5,948 |
| Noninterest income to average assets | 0.2916% | 4,878 |
| Noninterest expense to average assets | 1.7729% | 5,887 |
| Loan and lease loss provision to assets | 0.1967% | 1,007 |
| Net operating income to assets | 0.6295% | 4,217 |
| Return on assets (ROA) | 0.6295% | 4,331 |
| Pretax return on assets | 0.7638% | 4,441 |
| Return on Equity (ROE) | 6.6188% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.6188% | 1,891 |
| Net charge-offs to loans | 0.0936% | 2,090 |
| Credit loss provision to net charge-offs | 653.8462% | 513 |
| Earnings coverage of net charge-offs (x) | 31.9231% | 1,314 |
| Efficiency ratio | 64.8603% | 4,214 |
| Assets per employee ($millions) | 5.6932% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 2,791 |
| Loan loss allowance to noncurrent loans | 20.4988% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 2.6769% | 673 |
| Noncurrent loans to loans | 6.7991% | 123 |
| Net loans and leases to total assets | 34.0500% | 5,907 |
| Net loans and leases to deposits | 37.7186% | 5,987 |
| Net loans and leases to core deposits | 38.7614% | 5,996 |
| Total domestic deposits to total assets | 90.2738% | 549 |
| Equity capital to assets | 9.6688% | 4,443 |
| Core capital (leverage) ratio | 9.6956% | 4,007 |
| Tier 1 risk-based capital ratio | 19.4263% | 1,688 |
| Total risk-based capital ratio | 20.3841% | 1,733 |
| Memoranda: | ||
| Average total assets | $86,414,000 | 4,848 |
| Average earning assets | $83,830,000 | 4,737 |
| Average equity | $8,219,000 | 5,123 |
| Average total loans | $27,782,330 | 5,569 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7090% | 6,130 |
| Cost of funding earning assets | 0.1376% | 6,012 |
| Net interest margin | 2.5714% | 5,947 |
| Noninterest income to average assets | 0.2853% | 4,888 |
| Noninterest expense to average assets | 1.7441% | 5,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8559% | 2,981 |
| Return on assets (ROA) | 0.8559% | 3,101 |
| Pretax return on assets | 1.0354% | 3,360 |
| Return on Equity (ROE) | 9.0732% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.0732% | 1,171 |
| Net charge-offs to loans | -0.1337% | 5,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7483% | 4,663 |
| Assets per employee ($millions) | 5.7011% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 2,974 |
| Loan loss allowance to noncurrent loans | 37.5000% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.4570% | 1,811 |
| Noncurrent loans to loans | 3.6982% | 494 |
| Net loans and leases to total assets | 28.9358% | 6,109 |
| Net loans and leases to deposits | 32.0664% | 6,162 |
| Net loans and leases to core deposits | 33.0731% | 6,161 |
| Total domestic deposits to total assets | 90.2370% | 634 |
| Equity capital to assets | 9.6975% | 4,516 |
| Core capital (leverage) ratio | 9.5273% | 4,230 |
| Tier 1 risk-based capital ratio | 21.0745% | 1,404 |
| Total risk-based capital ratio | 21.0745% | 1,624 |
| Memoranda: | ||
| Average total assets | $86,922,000 | 4,882 |
| Average earning assets | $84,311,000 | 4,765 |
| Average equity | $8,200,000 | 5,164 |
| Average total loans | $26,929,000 | 5,640 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6482% | 6,286 |
| Cost of funding earning assets | 0.1559% | 6,063 |
| Net interest margin | 2.4923% | 6,165 |
| Noninterest income to average assets | 0.3619% | 4,503 |
| Noninterest expense to average assets | 1.8258% | 6,038 |
| Loan and lease loss provision to assets | 0.1153% | 2,247 |
| Net operating income to assets | 0.8218% | 3,274 |
| Return on assets (ROA) | 0.8218% | 3,361 |
| Pretax return on assets | 0.8345% | 4,128 |
| Return on Equity (ROE) | 8.6622% | 2,752 |
| Retained earnings to average equity (ytd only) | 1.3728% | 5,158 |
| Net charge-offs to loans | 0.1353% | 2,665 |
| Credit loss provision to net charge-offs | 263.1579% | 973 |
| Earnings coverage of net charge-offs (x) | 21.6842% | 1,664 |
| Efficiency ratio | 65.7807% | 4,289 |
| Assets per employee ($millions) | 5.5204% | 1,752 |
| Cash dividends to net income (ytd only)* | 84.1515% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 4,129 |
| Loan loss allowance to noncurrent loans | 33.1055% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 1.5194% | 1,791 |
| Noncurrent loans to loans | 3.5599% | 569 |
| Net loans and leases to total assets | 32.1827% | 6,110 |
| Net loans and leases to deposits | 35.4452% | 6,185 |
| Net loans and leases to core deposits | 36.6362% | 6,192 |
| Total domestic deposits to total assets | 90.7956% | 431 |
| Equity capital to assets | 9.1784% | 5,100 |
| Core capital (leverage) ratio | 9.1948% | 4,686 |
| Tier 1 risk-based capital ratio | 18.9786% | 1,852 |
| Total risk-based capital ratio | 19.7764% | 1,952 |
| Memoranda: | ||
| Average total assets | $86,756,800 | 4,911 |
| Average earning assets | $84,018,000 | 4,787 |
| Average equity | $8,231,200 | 5,141 |
| Average total loans | $28,088,400 | 5,650 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6759% | 6,345 |
| Cost of funding earning assets | 0.1579% | 6,136 |
| Net interest margin | 2.5180% | 6,213 |
| Noninterest income to average assets | 0.3813% | 4,389 |
| Noninterest expense to average assets | 1.6519% | 6,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9433% | 2,717 |
| Return on assets (ROA) | 0.9433% | 2,807 |
| Pretax return on assets | 1.1671% | 2,921 |
| Return on Equity (ROE) | 9.8599% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.8599% | 747 |
| Net charge-offs to loans | 0.1815% | 2,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 19.8928% | 1,764 |
| Efficiency ratio | 58.5980% | 5,364 |
| Assets per employee ($millions) | 6.2915% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 6,162 |
| Loan loss allowance to noncurrent loans | 23.0250% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 1.4517% | 2,127 |
| Noncurrent loans to loans | 2.8437% | 965 |
| Net loans and leases to total assets | 38.4252% | 5,918 |
| Net loans and leases to deposits | 42.3490% | 6,038 |
| Net loans and leases to core deposits | 43.6783% | 6,051 |
| Total domestic deposits to total assets | 90.7346% | 443 |
| Equity capital to assets | 9.1626% | 5,197 |
| Core capital (leverage) ratio | 9.4976% | 4,375 |
| Tier 1 risk-based capital ratio | 17.2579% | 2,497 |
| Total risk-based capital ratio | 17.7397% | 2,771 |
| Memoranda: | ||
| Average total assets | $86,364,250 | 4,970 |
| Average earning assets | $83,609,500 | 4,851 |
| Average equity | $8,262,250 | 5,177 |
| Average total loans | $27,919,250 | 5,706 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4432% | 6,492 |
| Cost of funding earning assets | 0.1632% | 6,170 |
| Net interest margin | 2.2800% | 6,418 |
| Noninterest income to average assets | 0.4086% | 4,182 |
| Noninterest expense to average assets | 1.9237% | 5,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6428% | 4,136 |
| Return on assets (ROA) | 0.6428% | 4,237 |
| Pretax return on assets | 0.6882% | 4,681 |
| Return on Equity (ROE) | 6.6142% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.6142% | 1,972 |
| Net charge-offs to loans | 0.0399% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 57.6000% | 829 |
| Efficiency ratio | 73.6505% | 3,035 |
| Assets per employee ($millions) | 5.7268% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 5,756 |
| Loan loss allowance to noncurrent loans | 26.3566% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 1.7043% | 1,918 |
| Noncurrent loans to loans | 3.3669% | 815 |
| Net loans and leases to total assets | 35.3647% | 6,082 |
| Net loans and leases to deposits | 39.1785% | 6,183 |
| Net loans and leases to core deposits | 40.5502% | 6,204 |
| Total domestic deposits to total assets | 90.2657% | 678 |
| Equity capital to assets | 9.6575% | 4,548 |
| Core capital (leverage) ratio | 9.6984% | 4,045 |
| Tier 1 risk-based capital ratio | 19.0079% | 1,921 |
| Total risk-based capital ratio | 19.6369% | 2,068 |
| Memoranda: | ||
| Average total assets | $83,694,670 | 5,069 |
| Average earning assets | $80,877,330 | 4,962 |
| Average equity | $8,134,000 | 5,234 |
| Average total loans | $25,058,330 | 5,880 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1898% | 6,623 |
| Cost of funding earning assets | 0.1708% | 6,226 |
| Net interest margin | 2.0190% | 6,584 |
| Noninterest income to average assets | 0.3875% | 4,295 |
| Noninterest expense to average assets | 2.1213% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2131% | 5,764 |
| Return on assets (ROA) | 0.2131% | 5,819 |
| Pretax return on assets | 0.2131% | 5,901 |
| Return on Equity (ROE) | 2.1855% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.1855% | 4,729 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8714% | 961 |
| Assets per employee ($millions) | 5.5515% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 3,986 |
| Loan loss allowance to noncurrent loans | 69.0773% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0003% | 3,266 |
| Noncurrent loans to loans | 1.9175% | 1,972 |
| Net loans and leases to total assets | 24.7811% | 6,492 |
| Net loans and leases to deposits | 27.4583% | 6,518 |
| Net loans and leases to core deposits | 28.7413% | 6,517 |
| Total domestic deposits to total assets | 90.2501% | 939 |
| Equity capital to assets | 9.6886% | 4,242 |
| Core capital (leverage) ratio | 9.3906% | 4,434 |
| Tier 1 risk-based capital ratio | 22.9732% | 1,150 |
| Total risk-based capital ratio | 23.7693% | 1,186 |
| Memoranda: | ||
| Average total assets | $82,591,000 | 5,143 |
| Average earning assets | $79,643,000 | 5,038 |
| Average equity | $8,053,000 | 5,278 |
| Average total loans | $22,262,000 | 6,035 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8792% | 6,442 |
| Cost of funding earning assets | 0.2302% | 6,102 |
| Net interest margin | 2.6490% | 6,204 |
| Noninterest income to average assets | 0.3471% | 4,841 |
| Noninterest expense to average assets | 2.0002% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7431% | 3,593 |
| Return on assets (ROA) | 0.7431% | 3,681 |
| Pretax return on assets | 0.8993% | 3,770 |
| Return on Equity (ROE) | 7.6076% | 3,247 |
| Retained earnings to average equity (ytd only) | 0.2809% | 5,721 |
| Net charge-offs to loans | 0.0692% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 41.8889% | 913 |
| Efficiency ratio | 68.9840% | 4,019 |
| Assets per employee ($millions) | 5.4606% | 1,689 |
| Cash dividends to net income (ytd only)* | 96.3082% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 4,794 |
| Loan loss allowance to noncurrent loans | 65.3302% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.0878% | 3,234 |
| Noncurrent loans to loans | 1.7958% | 2,238 |
| Net loans and leases to total assets | 28.4877% | 6,507 |
| Net loans and leases to deposits | 31.6217% | 6,550 |
| Net loans and leases to core deposits | 33.1435% | 6,529 |
| Total domestic deposits to total assets | 90.0890% | 1,029 |
| Equity capital to assets | 9.8133% | 4,020 |
| Core capital (leverage) ratio | 9.7455% | 3,919 |
| Tier 1 risk-based capital ratio | 21.4927% | 1,341 |
| Total risk-based capital ratio | 22.2414% | 1,403 |
| Memoranda: | ||
| Average total assets | $83,843,000 | 5,141 |
| Average earning assets | $80,785,600 | 5,017 |
| Average equity | $8,189,200 | 5,289 |
| Average total loans | $26,024,400 | 5,935 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8066% | 6,569 |
| Cost of funding earning assets | 0.2411% | 6,151 |
| Net interest margin | 2.5655% | 6,357 |
| Noninterest income to average assets | 0.3352% | 5,011 |
| Noninterest expense to average assets | 1.8531% | 6,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7605% | 3,554 |
| Return on assets (ROA) | 0.7605% | 3,686 |
| Pretax return on assets | 0.9550% | 3,673 |
| Return on Equity (ROE) | 7.7953% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.7953% | 1,498 |
| Net charge-offs to loans | 0.0651% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 46.4691% | 907 |
| Efficiency ratio | 65.9910% | 4,481 |
| Assets per employee ($millions) | 5.5927% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 6,304 |
| Loan loss allowance to noncurrent loans | 63.8009% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 3,489 |
| Noncurrent loans to loans | 1.2385% | 3,333 |
| Net loans and leases to total assets | 42.2065% | 5,887 |
| Net loans and leases to deposits | 47.0100% | 6,036 |
| Net loans and leases to core deposits | 49.4214% | 6,045 |
| Total domestic deposits to total assets | 89.7819% | 1,118 |
| Equity capital to assets | 10.1121% | 3,753 |
| Core capital (leverage) ratio | 9.6295% | 4,203 |
| Tier 1 risk-based capital ratio | 17.8993% | 2,357 |
| Total risk-based capital ratio | 18.4995% | 2,573 |
| Memoranda: | ||
| Average total assets | $84,326,500 | 5,179 |
| Average earning assets | $81,281,250 | 5,045 |
| Average equity | $8,227,000 | 5,332 |
| Average total loans | $26,627,750 | 5,962 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4813% | 6,740 |
| Cost of funding earning assets | 0.2479% | 6,186 |
| Net interest margin | 2.2334% | 6,664 |
| Noninterest income to average assets | 0.3031% | 5,282 |
| Noninterest expense to average assets | 1.7757% | 6,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6440% | 4,089 |
| Return on assets (ROA) | 0.6440% | 4,239 |
| Pretax return on assets | 0.6819% | 4,742 |
| Return on Equity (ROE) | 6.6817% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.6817% | 2,049 |
| Net charge-offs to loans | 0.1101% | 3,258 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 22.1538% | 1,383 |
| Efficiency ratio | 72.2543% | 3,427 |
| Assets per employee ($millions) | 5.6098% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 5,926 |
| Loan loss allowance to noncurrent loans | 69.6296% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 3,641 |
| Noncurrent loans to loans | 1.3951% | 3,209 |
| Net loans and leases to total assets | 34.1640% | 6,402 |
| Net loans and leases to deposits | 37.9727% | 6,484 |
| Net loans and leases to core deposits | 40.3435% | 6,460 |
| Total domestic deposits to total assets | 89.9699% | 1,041 |
| Equity capital to assets | 9.8280% | 4,149 |
| Core capital (leverage) ratio | 9.6768% | 3,974 |
| Tier 1 risk-based capital ratio | 19.6379% | 1,816 |
| Total risk-based capital ratio | 20.3132% | 1,941 |
| Memoranda: | ||
| Average total assets | $84,472,000 | 5,211 |
| Average earning assets | $81,490,330 | 5,068 |
| Average equity | $8,141,670 | 5,397 |
| Average total loans | $23,607,330 | 6,144 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2616% | 6,878 |
| Cost of funding earning assets | 0.2551% | 6,258 |
| Net interest margin | 2.0065% | 6,838 |
| Noninterest income to average assets | 0.2694% | 5,527 |
| Noninterest expense to average assets | 1.8290% | 6,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3828% | 5,200 |
| Return on assets (ROA) | 0.3828% | 5,344 |
| Pretax return on assets | 0.3734% | 5,636 |
| Return on Equity (ROE) | 4.0111% | 5,087 |
| Retained earnings to average equity (ytd only) | 4.0111% | 3,826 |
| Net charge-offs to loans | 0.1531% | 2,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.8750% | 1,797 |
| Efficiency ratio | 83.0472% | 1,885 |
| Assets per employee ($millions) | 5.6905% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 4,184 |
| Loan loss allowance to noncurrent loans | 73.4015% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 3,886 |
| Noncurrent loans to loans | 1.9201% | 2,713 |
| Net loans and leases to total assets | 23.5200% | 6,785 |
| Net loans and leases to deposits | 26.0187% | 6,819 |
| Net loans and leases to core deposits | 27.7224% | 6,804 |
| Total domestic deposits to total assets | 90.3968% | 818 |
| Equity capital to assets | 9.5165% | 4,827 |
| Core capital (leverage) ratio | 9.5183% | 4,050 |
| Tier 1 risk-based capital ratio | 22.7135% | 1,203 |
| Total risk-based capital ratio | 23.5274% | 1,254 |
| Memoranda: | ||
| Average total assets | $84,634,500 | 5,245 |
| Average earning assets | $81,534,500 | 5,099 |
| Average equity | $8,077,500 | 5,467 |
| Average total loans | $20,896,000 | 6,315 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 6,572 |
| Cost of funding earning assets | 0.4212% | 5,777 |
| Net interest margin | 2.8874% | 6,247 |
| Noninterest income to average assets | 0.3699% | 4,831 |
| Noninterest expense to average assets | 2.3995% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5320% | 4,556 |
| Return on assets (ROA) | 0.5320% | 4,823 |
| Pretax return on assets | 0.7424% | 4,506 |
| Return on Equity (ROE) | 5.1979% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.2063% | 4,684 |
| Net charge-offs to loans | 0.2611% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 8.5588% | 2,390 |
| Efficiency ratio | 76.3703% | 2,685 |
| Assets per employee ($millions) | 5.5941% | 1,601 |
| Cash dividends to net income (ytd only)* | 57.5540% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 4,277 |
| Loan loss allowance to noncurrent loans | 66.1435% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 3,801 |
| Noncurrent loans to loans | 2.0813% | 2,603 |
| Net loans and leases to total assets | 25.1859% | 6,831 |
| Net loans and leases to deposits | 27.9126% | 6,875 |
| Net loans and leases to core deposits | 29.7796% | 6,849 |
| Total domestic deposits to total assets | 90.2314% | 831 |
| Equity capital to assets | 9.5719% | 4,791 |
| Core capital (leverage) ratio | 10.5144% | 2,747 |
| Tier 1 risk-based capital ratio | 21.8722% | 1,284 |
| Total risk-based capital ratio | 22.6860% | 1,345 |
| Memoranda: | ||
| Average total assets | $78,390,600 | 5,399 |
| Average earning assets | $75,256,800 | 5,267 |
| Average equity | $8,022,400 | 5,496 |
| Average total loans | $26,039,400 | 6,134 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 6,775 |
| Cost of funding earning assets | 0.4637% | 5,693 |
| Net interest margin | 2.7657% | 6,559 |
| Noninterest income to average assets | 0.4017% | 4,627 |
| Noninterest expense to average assets | 2.5485% | 4,924 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3290% | 5,513 |
| Return on assets (ROA) | 0.3290% | 5,717 |
| Pretax return on assets | 0.5073% | 5,446 |
| Return on Equity (ROE) | 3.1587% | 5,623 |
| Retained earnings to average equity (ytd only) | 3.1587% | 4,654 |
| Net charge-offs to loans | 0.3383% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.2463% | 3,363 |
| Efficiency ratio | 83.3994% | 1,654 |
| Assets per employee ($millions) | 4.6523% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,472 |
| Loan loss allowance to noncurrent loans | 29.7872% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 1.9721% | 2,688 |
| Noncurrent loans to loans | 2.9055% | 1,922 |
| Net loans and leases to total assets | 45.2409% | 5,847 |
| Net loans and leases to deposits | 50.8340% | 6,053 |
| Net loans and leases to core deposits | 53.6609% | 6,072 |
| Total domestic deposits to total assets | 88.9974% | 1,425 |
| Equity capital to assets | 10.8481% | 3,446 |
| Core capital (leverage) ratio | 10.0541% | 3,468 |
| Tier 1 risk-based capital ratio | 17.7798% | 2,430 |
| Total risk-based capital ratio | 18.4381% | 2,609 |
| Memoranda: | ||
| Average total assets | $77,010,250 | 5,488 |
| Average earning assets | $73,904,750 | 5,375 |
| Average equity | $8,020,000 | 5,554 |
| Average total loans | $27,192,000 | 6,151 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 6,975 |
| Cost of funding earning assets | 0.4897% | 5,685 |
| Net interest margin | 2.5047% | 6,884 |
| Noninterest income to average assets | 0.4443% | 4,336 |
| Noninterest expense to average assets | 2.0368% | 6,360 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6755% | 3,996 |
| Return on assets (ROA) | 0.6755% | 4,260 |
| Pretax return on assets | 0.8116% | 4,437 |
| Return on Equity (ROE) | 6.5736% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.5736% | 2,343 |
| Net charge-offs to loans | 0.4332% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.8519% | 2,743 |
| Efficiency ratio | 71.5059% | 3,519 |
| Assets per employee ($millions) | 4.9304% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 6,239 |
| Loan loss allowance to noncurrent loans | 25.2657% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1690% | 2,581 |
| Noncurrent loans to loans | 3.8667% | 1,441 |
| Net loans and leases to total assets | 39.7029% | 6,365 |
| Net loans and leases to deposits | 44.3607% | 6,535 |
| Net loans and leases to core deposits | 46.6877% | 6,534 |
| Total domestic deposits to total assets | 89.5000% | 1,219 |
| Equity capital to assets | 10.3200% | 3,914 |
| Core capital (leverage) ratio | 10.2808% | 3,068 |
| Tier 1 risk-based capital ratio | 17.9738% | 2,297 |
| Total risk-based capital ratio | 18.6669% | 2,469 |
| Memoranda: | ||
| Average total assets | $77,868,000 | 5,499 |
| Average earning assets | $74,738,330 | 5,370 |
| Average equity | $8,001,670 | 5,572 |
| Average total loans | $24,932,670 | 6,324 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7659% | 7,121 |
| Cost of funding earning assets | 0.5467% | 5,515 |
| Net interest margin | 2.2192% | 7,087 |
| Noninterest income to average assets | 0.2689% | 5,725 |
| Noninterest expense to average assets | 2.0476% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3413% | 5,506 |
| Return on assets (ROA) | 0.3413% | 5,683 |
| Pretax return on assets | 0.3413% | 5,877 |
| Return on Equity (ROE) | 3.3283% | 5,579 |
| Retained earnings to average equity (ytd only) | 3.3283% | 4,566 |
| Net charge-offs to loans | 0.8895% | 1,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 3,640 |
| Efficiency ratio | 85.7143% | 1,506 |
| Assets per employee ($millions) | 4.9109% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,842 |
| Loan loss allowance to noncurrent loans | 45.1289% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 3,681 |
| Noncurrent loans to loans | 3.4820% | 1,796 |
| Net loans and leases to total assets | 25.1114% | 7,057 |
| Net loans and leases to deposits | 28.0067% | 7,090 |
| Net loans and leases to core deposits | 29.8376% | 7,077 |
| Total domestic deposits to total assets | 89.6620% | 1,262 |
| Equity capital to assets | 10.1229% | 3,955 |
| Core capital (leverage) ratio | 9.9116% | 3,480 |
| Tier 1 risk-based capital ratio | 22.2020% | 1,257 |
| Total risk-based capital ratio | 23.0966% | 1,287 |
| Memoranda: | ||
| Average total assets | $77,359,000 | 5,550 |
| Average earning assets | $73,901,000 | 5,438 |
| Average equity | $7,932,000 | 5,621 |
| Average total loans | $21,584,500 | 6,532 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 6,417 |
| Cost of funding earning assets | 0.7652% | 5,096 |
| Net interest margin | 3.2558% | 5,940 |
| Noninterest income to average assets | 0.3191% | 5,257 |
| Noninterest expense to average assets | 2.4050% | 5,761 |
| Loan and lease loss provision to assets | 0.1212% | 5,088 |
| Net operating income to assets | 0.7069% | 3,458 |
| Return on assets (ROA) | 0.7069% | 3,640 |
| Pretax return on assets | 0.8928% | 3,629 |
| Return on Equity (ROE) | 6.6594% | 3,558 |
| Retained earnings to average equity (ytd only) | 1.2050% | 5,287 |
| Net charge-offs to loans | 0.1800% | 4,706 |
| Credit loss provision to net charge-offs | 176.4706% | 1,489 |
| Earnings coverage of net charge-offs (x) | 14.7647% | 1,433 |
| Efficiency ratio | 70.3427% | 3,878 |
| Assets per employee ($millions) | 4.7590% | 2,502 |
| Cash dividends to net income (ytd only)* | 81.9048% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 3,710 |
| Loan loss allowance to noncurrent loans | 24.9485% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 2.5399% | 2,392 |
| Noncurrent loans to loans | 6.2924% | 772 |
| Net loans and leases to total assets | 29.8907% | 7,008 |
| Net loans and leases to deposits | 33.4544% | 7,060 |
| Net loans and leases to core deposits | 35.7289% | 7,042 |
| Total domestic deposits to total assets | 89.3478% | 1,333 |
| Equity capital to assets | 10.3882% | 3,670 |
| Core capital (leverage) ratio | 10.4602% | 2,775 |
| Tier 1 risk-based capital ratio | 20.8103% | 1,454 |
| Total risk-based capital ratio | 21.7849% | 1,480 |
| Memoranda: | ||
| Average total assets | $74,263,200 | 5,632 |
| Average earning assets | $70,703,600 | 5,512 |
| Average equity | $7,883,600 | 5,606 |
| Average total loans | $28,329,200 | 6,236 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 6,411 |
| Cost of funding earning assets | 0.8106% | 5,081 |
| Net interest margin | 3.2918% | 5,880 |
| Noninterest income to average assets | 0.3379% | 5,150 |
| Noninterest expense to average assets | 2.1718% | 6,337 |
| Loan and lease loss provision to assets | 0.3252% | 2,931 |
| Net operating income to assets | 0.6306% | 3,962 |
| Return on assets (ROA) | 0.6306% | 4,142 |
| Pretax return on assets | 0.9739% | 3,505 |
| Return on Equity (ROE) | 5.9073% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.9073% | 2,612 |
| Net charge-offs to loans | 0.1395% | 4,664 |
| Credit loss provision to net charge-offs | 580.6452% | 470 |
| Earnings coverage of net charge-offs (x) | 23.1948% | 1,122 |
| Efficiency ratio | 62.5716% | 5,316 |
| Assets per employee ($millions) | 4.5560% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,678 |
| Loan loss allowance to noncurrent loans | 29.3242% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 2.8205% | 2,303 |
| Noncurrent loans to loans | 4.6764% | 1,381 |
| Net loans and leases to total assets | 46.6679% | 6,088 |
| Net loans and leases to deposits | 52.8139% | 6,308 |
| Net loans and leases to core deposits | 56.6172% | 6,262 |
| Total domestic deposits to total assets | 88.3629% | 1,830 |
| Equity capital to assets | 11.2462% | 2,916 |
| Core capital (leverage) ratio | 10.6283% | 2,727 |
| Tier 1 risk-based capital ratio | 17.7632% | 2,345 |
| Total risk-based capital ratio | 18.8128% | 2,393 |
| Memoranda: | ||
| Average total assets | $73,793,000 | 5,687 |
| Average earning assets | $70,232,250 | 5,575 |
| Average equity | $7,877,000 | 5,636 |
| Average total loans | $29,630,750 | 6,236 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 6,936 |
| Cost of funding earning assets | 0.8360% | 5,160 |
| Net interest margin | 2.9499% | 6,694 |
| Noninterest income to average assets | 0.3401% | 5,161 |
| Noninterest expense to average assets | 2.2081% | 6,365 |
| Loan and lease loss provision to assets | 0.4859% | 2,030 |
| Net operating income to assets | 0.2375% | 5,604 |
| Return on assets (ROA) | 0.2375% | 5,722 |
| Pretax return on assets | 0.4562% | 5,203 |
| Return on Equity (ROE) | 2.2651% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.2651% | 4,848 |
| Net charge-offs to loans | 0.2285% | 3,754 |
| Credit loss provision to net charge-offs | 562.5000% | 550 |
| Earnings coverage of net charge-offs (x) | 10.9063% | 1,757 |
| Efficiency ratio | 70.0943% | 4,102 |
| Assets per employee ($millions) | 4.6481% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 3,856 |
| Loan loss allowance to noncurrent loans | 37.7600% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.0842% | 3,137 |
| Noncurrent loans to loans | 4.1361% | 1,652 |
| Net loans and leases to total assets | 40.0027% | 6,742 |
| Net loans and leases to deposits | 44.9600% | 6,883 |
| Net loans and leases to core deposits | 47.8150% | 6,860 |
| Total domestic deposits to total assets | 88.9740% | 1,546 |
| Equity capital to assets | 10.6616% | 3,323 |
| Core capital (leverage) ratio | 10.4163% | 2,802 |
| Tier 1 risk-based capital ratio | 18.6208% | 1,959 |
| Total risk-based capital ratio | 19.7557% | 1,960 |
| Memoranda: | ||
| Average total assets | $74,092,000 | 5,721 |
| Average earning assets | $70,578,330 | 5,617 |
| Average equity | $7,770,000 | 5,679 |
| Average total loans | $28,010,330 | 6,366 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5230% | 7,197 |
| Cost of funding earning assets | 0.8594% | 5,215 |
| Net interest margin | 2.6636% | 7,057 |
| Noninterest income to average assets | 0.4111% | 4,619 |
| Noninterest expense to average assets | 2.1581% | 6,518 |
| Loan and lease loss provision to assets | 0.9736% | 799 |
| Net operating income to assets | -0.3029% | 6,664 |
| Return on assets (ROA) | -0.3029% | 6,676 |
| Pretax return on assets | -0.1893% | 6,532 |
| Return on Equity (ROE) | -2.9127% | 6,656 |
| Retained earnings to average equity (ytd only) | -2.9127% | 6,278 |
| Net charge-offs to loans | 0.5204% | 2,182 |
| Credit loss provision to net charge-offs | 514.2857% | 701 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 2,551 |
| Efficiency ratio | 73.3456% | 3,630 |
| Assets per employee ($millions) | 4.3500% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 2,544 |
| Loan loss allowance to noncurrent loans | 81.0017% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 4,478 |
| Noncurrent loans to loans | 2.4063% | 3,080 |
| Net loans and leases to total assets | 31.9040% | 7,171 |
| Net loans and leases to deposits | 35.6902% | 7,233 |
| Net loans and leases to core deposits | 37.9840% | 7,221 |
| Total domestic deposits to total assets | 89.3915% | 1,537 |
| Equity capital to assets | 10.3475% | 3,353 |
| Core capital (leverage) ratio | 10.2411% | 2,877 |
| Tier 1 risk-based capital ratio | 20.2478% | 1,533 |
| Total risk-based capital ratio | 21.4973% | 1,504 |
| Memoranda: | ||
| Average total assets | $73,953,000 | 5,761 |
| Average earning assets | $70,281,000 | 5,655 |
| Average equity | $7,690,500 | 5,712 |
| Average total loans | $26,904,500 | 6,476 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 5,641 |
| Cost of funding earning assets | 1.0418% | 5,471 |
| Net interest margin | 3.7012% | 4,337 |
| Noninterest income to average assets | 0.4368% | 4,620 |
| Noninterest expense to average assets | 2.6193% | 5,335 |
| Loan and lease loss provision to assets | 0.1943% | 5,291 |
| Net operating income to assets | 0.8607% | 2,549 |
| Return on assets (ROA) | 0.8923% | 2,553 |
| Pretax return on assets | 1.1777% | 2,296 |
| Return on Equity (ROE) | 8.3900% | 2,542 |
| Retained earnings to average equity (ytd only) | 0.8314% | 5,133 |
| Net charge-offs to loans | 0.2635% | 4,718 |
| Credit loss provision to net charge-offs | 170.5882% | 1,985 |
| Earnings coverage of net charge-offs (x) | 11.6824% | 1,584 |
| Efficiency ratio | 66.3161% | 4,914 |
| Assets per employee ($millions) | 4.6223% | 2,661 |
| Cash dividends to net income (ytd only)* | 90.0901% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 5,989 |
| Loan loss allowance to noncurrent loans | 58.8022% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1723% | 4,667 |
| Noncurrent loans to loans | 1.8523% | 3,751 |
| Net loans and leases to total assets | 39.7845% | 6,975 |
| Net loans and leases to deposits | 44.5412% | 7,099 |
| Net loans and leases to core deposits | 47.6509% | 7,089 |
| Total domestic deposits to total assets | 89.3207% | 1,485 |
| Equity capital to assets | 10.4508% | 3,210 |
| Core capital (leverage) ratio | 10.3527% | 2,714 |
| Tier 1 risk-based capital ratio | 18.2738% | 1,916 |
| Total risk-based capital ratio | 19.0472% | 2,025 |
| Memoranda: | ||
| Average total assets | $74,637,600 | 5,748 |
| Average earning assets | $70,842,200 | 5,640 |
| Average equity | $7,938,000 | 5,734 |
| Average total loans | $32,263,000 | 6,303 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 5,994 |
| Cost of funding earning assets | 1.0666% | 5,612 |
| Net interest margin | 3.6393% | 4,680 |
| Noninterest income to average assets | 0.3743% | 5,157 |
| Noninterest expense to average assets | 2.3437% | 6,192 |
| Loan and lease loss provision to assets | 0.1337% | 5,691 |
| Net operating income to assets | 0.9779% | 2,307 |
| Return on assets (ROA) | 1.0177% | 2,291 |
| Pretax return on assets | 1.4062% | 1,863 |
| Return on Equity (ROE) | 9.5280% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.5280% | 905 |
| Net charge-offs to loans | 0.0811% | 5,711 |
| Credit loss provision to net charge-offs | 375.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 41.6438% | 664 |
| Efficiency ratio | 61.2197% | 5,750 |
| Assets per employee ($millions) | 4.7782% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 7,009 |
| Loan loss allowance to noncurrent loans | 34.5987% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 3,972 |
| Noncurrent loans to loans | 2.3119% | 3,332 |
| Net loans and leases to total assets | 51.7469% | 6,128 |
| Net loans and leases to deposits | 58.6002% | 6,419 |
| Net loans and leases to core deposits | 62.5846% | 6,407 |
| Total domestic deposits to total assets | 88.3049% | 1,789 |
| Equity capital to assets | 11.0214% | 2,939 |
| Core capital (leverage) ratio | 10.6209% | 2,575 |
| Tier 1 risk-based capital ratio | 16.5601% | 2,532 |
| Total risk-based capital ratio | 17.2075% | 2,732 |
| Memoranda: | ||
| Average total assets | $74,808,000 | 5,811 |
| Average earning assets | $71,001,250 | 5,702 |
| Average equity | $7,990,250 | 5,794 |
| Average total loans | $32,892,000 | 6,343 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 6,714 |
| Cost of funding earning assets | 1.0980% | 5,679 |
| Net interest margin | 3.4020% | 5,639 |
| Noninterest income to average assets | 0.3636% | 5,231 |
| Noninterest expense to average assets | 2.3458% | 6,237 |
| Loan and lease loss provision to assets | 0.0673% | 6,282 |
| Net operating income to assets | 0.8520% | 2,720 |
| Return on assets (ROA) | 0.8753% | 2,770 |
| Pretax return on assets | 1.2120% | 2,374 |
| Return on Equity (ROE) | 8.2855% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.2855% | 1,342 |
| Net charge-offs to loans | -0.0262% | 7,325 |
| Credit loss provision to net charge-offs | -625.0000% | 6,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2924% | 5,107 |
| Assets per employee ($millions) | 4.7799% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 6,844 |
| Loan loss allowance to noncurrent loans | 17.2475% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 2.6295% | 2,748 |
| Noncurrent loans to loans | 5.0620% | 1,358 |
| Net loans and leases to total assets | 43.3492% | 6,966 |
| Net loans and leases to deposits | 48.7917% | 7,122 |
| Net loans and leases to core deposits | 51.6925% | 7,148 |
| Total domestic deposits to total assets | 88.8453% | 1,527 |
| Equity capital to assets | 10.5977% | 3,280 |
| Core capital (leverage) ratio | 10.3525% | 2,774 |
| Tier 1 risk-based capital ratio | 17.0940% | 2,241 |
| Total risk-based capital ratio | 17.7366% | 2,427 |
| Memoranda: | ||
| Average total assets | $74,260,330 | 5,860 |
| Average earning assets | $70,488,670 | 5,753 |
| Average equity | $7,845,000 | 5,856 |
| Average total loans | $30,562,670 | 6,495 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 6,995 |
| Cost of funding earning assets | 1.1596% | 5,610 |
| Net interest margin | 3.2422% | 6,153 |
| Noninterest income to average assets | 0.3773% | 5,119 |
| Noninterest expense to average assets | 2.3240% | 6,320 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8968% | 2,552 |
| Return on assets (ROA) | 0.8968% | 2,627 |
| Pretax return on assets | 1.1264% | 2,646 |
| Return on Equity (ROE) | 8.5029% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.5029% | 1,534 |
| Net charge-offs to loans | -0.0137% | 6,976 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3534% | 4,840 |
| Assets per employee ($millions) | 4.6186% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 6,747 |
| Loan loss allowance to noncurrent loans | 30.0795% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 4,335 |
| Noncurrent loans to loans | 3.0811% | 2,598 |
| Net loans and leases to total assets | 38.3358% | 7,337 |
| Net loans and leases to deposits | 43.0781% | 7,426 |
| Net loans and leases to core deposits | 45.7547% | 7,438 |
| Total domestic deposits to total assets | 88.9914% | 1,519 |
| Equity capital to assets | 10.5782% | 3,167 |
| Core capital (leverage) ratio | 10.2564% | 2,865 |
| Tier 1 risk-based capital ratio | 17.9470% | 1,953 |
| Total risk-based capital ratio | 18.5722% | 2,101 |
| Memoranda: | ||
| Average total assets | $73,151,000 | 5,956 |
| Average earning assets | $69,336,000 | 5,865 |
| Average equity | $7,715,000 | 5,939 |
| Average total loans | $29,121,500 | 6,653 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2626% | 5,357 |
| Cost of funding earning assets | 1.3932% | 5,958 |
| Net interest margin | 3.8694% | 3,398 |
| Noninterest income to average assets | 0.3658% | 5,470 |
| Noninterest expense to average assets | 2.9211% | 4,461 |
| Loan and lease loss provision to assets | 0.1759% | 5,939 |
| Net operating income to assets | 0.8079% | 2,509 |
| Return on assets (ROA) | 0.8091% | 2,585 |
| Pretax return on assets | 0.9399% | 2,796 |
| Return on Equity (ROE) | 7.2933% | 2,665 |
| Retained earnings to average equity (ytd only) | -0.3171% | 5,029 |
| Net charge-offs to loans | 0.7750% | 2,884 |
| Credit loss provision to net charge-offs | 49.8008% | 6,749 |
| Earnings coverage of net charge-offs (x) | 3.1554% | 3,482 |
| Efficiency ratio | 72.3849% | 4,202 |
| Assets per employee ($millions) | 4.0225% | 3,774 |
| Cash dividends to net income (ytd only)* | 104.3478% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 6,880 |
| Loan loss allowance to noncurrent loans | 21.2490% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 3,441 |
| Noncurrent loans to loans | 4.1587% | 1,758 |
| Net loans and leases to total assets | 40.5870% | 7,319 |
| Net loans and leases to deposits | 45.4773% | 7,465 |
| Net loans and leases to core deposits | 53.3766% | 7,492 |
| Total domestic deposits to total assets | 89.2466% | 1,363 |
| Equity capital to assets | 10.5145% | 3,165 |
| Core capital (leverage) ratio | 10.7440% | 2,391 |
| Tier 1 risk-based capital ratio | 18.9589% | 1,662 |
| Total risk-based capital ratio | 19.6133% | 1,745 |
| Memoranda: | ||
| Average total assets | $71,069,800 | 5,971 |
| Average earning assets | $67,400,400 | 5,888 |
| Average equity | $7,884,000 | 5,965 |
| Average total loans | $32,388,000 | 6,498 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0721% | 6,370 |
| Cost of funding earning assets | 1.4378% | 6,090 |
| Net interest margin | 3.6343% | 4,354 |
| Noninterest income to average assets | 0.3638% | 5,594 |
| Noninterest expense to average assets | 2.6860% | 5,386 |
| Loan and lease loss provision to assets | 0.1885% | 5,490 |
| Net operating income to assets | 0.8671% | 2,546 |
| Return on assets (ROA) | 0.8671% | 2,615 |
| Pretax return on assets | 0.9387% | 3,102 |
| Return on Equity (ROE) | 7.7130% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.7130% | 1,230 |
| Net charge-offs to loans | 0.8506% | 2,264 |
| Credit loss provision to net charge-offs | 47.3934% | 6,350 |
| Earnings coverage of net charge-offs (x) | 2.8341% | 3,804 |
| Efficiency ratio | 70.4399% | 4,502 |
| Assets per employee ($millions) | 4.0107% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6990% | 7,374 |
| Loan loss allowance to noncurrent loans | 27.4877% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 1.6692% | 3,866 |
| Noncurrent loans to loans | 2.5429% | 2,967 |
| Net loans and leases to total assets | 54.9036% | 6,282 |
| Net loans and leases to deposits | 62.3031% | 6,645 |
| Net loans and leases to core deposits | 73.1359% | 6,774 |
| Total domestic deposits to total assets | 88.1233% | 1,604 |
| Equity capital to assets | 11.3600% | 2,703 |
| Core capital (leverage) ratio | 11.4786% | 2,083 |
| Tier 1 risk-based capital ratio | 16.2119% | 2,554 |
| Total risk-based capital ratio | 16.7721% | 2,755 |
| Memoranda: | ||
| Average total assets | $70,736,000 | 6,019 |
| Average earning assets | $67,137,250 | 5,932 |
| Average equity | $7,951,750 | 5,998 |
| Average total loans | $33,072,750 | 6,505 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 7,051 |
| Cost of funding earning assets | 1.4740% | 6,242 |
| Net interest margin | 3.4164% | 5,108 |
| Noninterest income to average assets | 0.3644% | 5,594 |
| Noninterest expense to average assets | 2.6135% | 5,693 |
| Loan and lease loss provision to assets | 0.2278% | 4,757 |
| Net operating income to assets | 0.7402% | 3,090 |
| Return on assets (ROA) | 0.7402% | 3,191 |
| Pretax return on assets | 0.7630% | 3,794 |
| Return on Equity (ROE) | 6.6085% | 3,384 |
| Retained earnings to average equity (ytd only) | 6.6085% | 1,741 |
| Net charge-offs to loans | 1.2471% | 1,481 |
| Credit loss provision to net charge-offs | 41.6667% | 5,879 |
| Earnings coverage of net charge-offs (x) | 1.8125% | 4,205 |
| Efficiency ratio | 72.5118% | 4,304 |
| Assets per employee ($millions) | 3.7564% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 6,871 |
| Loan loss allowance to noncurrent loans | 17.1943% | 7,270 |
| Noncurrent assets plus other real estate owned to assets | 2.6636% | 2,409 |
| Noncurrent loans to loans | 5.0968% | 1,189 |
| Net loans and leases to total assets | 46.3367% | 7,172 |
| Net loans and leases to deposits | 52.7289% | 7,343 |
| Net loans and leases to core deposits | 63.1597% | 7,331 |
| Total domestic deposits to total assets | 87.8771% | 1,826 |
| Equity capital to assets | 11.7265% | 2,370 |
| Core capital (leverage) ratio | 11.4190% | 2,126 |
| Tier 1 risk-based capital ratio | 19.7284% | 1,627 |
| Total risk-based capital ratio | 20.4224% | 1,697 |
| Memoranda: | ||
| Average total assets | $70,250,670 | 6,074 |
| Average earning assets | $66,620,000 | 5,986 |
| Average equity | $7,868,670 | 6,066 |
| Average total loans | $30,792,000 | 6,688 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7523% | 7,432 |
| Cost of funding earning assets | 1.4759% | 6,480 |
| Net interest margin | 3.2764% | 5,590 |
| Noninterest income to average assets | 0.5198% | 4,132 |
| Noninterest expense to average assets | 2.6381% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8775% | 2,807 |
| Return on assets (ROA) | 0.8775% | 2,950 |
| Pretax return on assets | 0.9837% | 3,407 |
| Return on Equity (ROE) | 8.0117% | 3,148 |
| Retained earnings to average equity (ytd only) | 8.0117% | 1,810 |
| Net charge-offs to loans | -0.0922% | 7,857 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8395% | 4,029 |
| Assets per employee ($millions) | 3.8672% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 3,577 |
| Loan loss allowance to noncurrent loans | 36.0254% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 1.8561% | 3,137 |
| Noncurrent loans to loans | 3.8463% | 1,597 |
| Net loans and leases to total assets | 40.5896% | 7,536 |
| Net loans and leases to deposits | 46.0178% | 7,661 |
| Net loans and leases to core deposits | 54.0529% | 7,679 |
| Total domestic deposits to total assets | 88.2041% | 1,647 |
| Equity capital to assets | 11.3434% | 2,690 |
| Core capital (leverage) ratio | 11.0116% | 2,488 |
| Tier 1 risk-based capital ratio | 20.1624% | 1,595 |
| Total risk-based capital ratio | 21.1923% | 1,591 |
| Memoranda: | ||
| Average total assets | $71,568,000 | 6,081 |
| Average earning assets | $67,756,500 | 5,983 |
| Average equity | $7,838,500 | 6,113 |
| Average total loans | $30,384,000 | 6,741 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3009% | 3,960 |
| Cost of funding earning assets | 1.9318% | 6,636 |
| Net interest margin | 4.3692% | 1,771 |
| Noninterest income to average assets | 0.5237% | 4,436 |
| Noninterest expense to average assets | 3.0170% | 4,028 |
| Loan and lease loss provision to assets | 0.1103% | 5,960 |
| Net operating income to assets | 1.0841% | 2,208 |
| Return on assets (ROA) | 1.0841% | 2,129 |
| Pretax return on assets | 1.5019% | 1,681 |
| Return on Equity (ROE) | 9.3635% | 2,491 |
| Retained earnings to average equity (ytd only) | 0.4701% | 4,958 |
| Net charge-offs to loans | 0.5017% | 2,356 |
| Credit loss provision to net charge-offs | 41.4365% | 6,441 |
| Earnings coverage of net charge-offs (x) | 6.0552% | 3,454 |
| Efficiency ratio | 65.1732% | 5,284 |
| Assets per employee ($millions) | 4.0848% | 3,332 |
| Cash dividends to net income (ytd only)* | 94.9796% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 4,428 |
| Loan loss allowance to noncurrent loans | 39.0390% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 3,014 |
| Noncurrent loans to loans | 3.1105% | 1,709 |
| Net loans and leases to total assets | 43.1501% | 7,521 |
| Net loans and leases to deposits | 48.4596% | 7,692 |
| Net loans and leases to core deposits | 55.6429% | 7,750 |
| Total domestic deposits to total assets | 89.0435% | 1,027 |
| Equity capital to assets | 10.5825% | 3,414 |
| Core capital (leverage) ratio | 11.3138% | 2,358 |
| Tier 1 risk-based capital ratio | 17.8597% | 2,074 |
| Total risk-based capital ratio | 18.7720% | 2,110 |
| Memoranda: | ||
| Average total assets | $67,981,400 | 6,090 |
| Average earning assets | $63,879,600 | 6,022 |
| Average equity | $7,871,000 | 6,137 |
| Average total loans | $36,075,600 | 6,363 |