Home > Bank of Nebraska > Performance and Condition Ratios
Bank of Nebraska, Performance and Condition Ratios
| 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 | 4.0559% | 2,820 |
| Cost of funding earning assets | 0.2969% | 4,077 |
| Net interest margin | 3.7590% | 2,266 |
| Noninterest income to average assets | 1.1498% | 764 |
| Noninterest expense to average assets | 3.6789% | 800 |
| Loan and lease loss provision to assets | 0.0791% | 2,228 |
| Net operating income to assets | 1.0311% | 2,164 |
| Return on assets (ROA) | 1.0311% | 2,213 |
| Pretax return on assets | 1.0311% | 3,232 |
| Return on Equity (ROE) | 11.2199% | 1,493 |
| Retained earnings to average equity (ytd only) | 0.2583% | 4,854 |
| Net charge-offs to loans | -0.0033% | 4,075 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8172% | 1,782 |
| Assets per employee ($millions) | 4.2120% | 3,644 |
| Cash dividends to net income (ytd only)* | 97.6982% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,601 |
| Loan loss allowance to noncurrent loans | 64.1694% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.6660% | 914 |
| Noncurrent loans to loans | 2.0058% | 887 |
| Net loans and leases to total assets | 81.9876% | 568 |
| Net loans and leases to deposits | 90.9123% | 1,436 |
| Net loans and leases to core deposits | 94.5559% | 1,930 |
| Total domestic deposits to total assets | 90.1832% | 579 |
| Equity capital to assets | 9.4586% | 4,326 |
| Core capital (leverage) ratio | 9.3673% | 4,261 |
| Tier 1 risk-based capital ratio | 10.6571% | 5,482 |
| Total risk-based capital ratio | 11.8616% | 5,411 |
| Memoranda: | ||
| Average total assets | $151,675,500 | 3,536 |
| Average earning assets | $146,849,000 | 3,438 |
| Average equity | $13,939,500 | 3,929 |
| Average total loans | $122,623,000 | 3,079 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,221 |
| Cost of funding earning assets | 0.3497% | 3,521 |
| Net interest margin | 3.9278% | 1,867 |
| Noninterest income to average assets | 1.9745% | 348 |
| Noninterest expense to average assets | 4.2903% | 453 |
| Loan and lease loss provision to assets | 0.1221% | 2,018 |
| Net operating income to assets | 1.3570% | 1,081 |
| Return on assets (ROA) | 1.3570% | 1,132 |
| Pretax return on assets | 1.3570% | 2,074 |
| Return on Equity (ROE) | 14.6707% | 673 |
| Retained earnings to average equity (ytd only) | 0.1394% | 5,260 |
| Net charge-offs to loans | -0.0041% | 4,781 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3620% | 2,245 |
| Assets per employee ($millions) | 4.4551% | 3,182 |
| Cash dividends to net income (ytd only)* | 99.0500% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,763 |
| Loan loss allowance to noncurrent loans | 63.9636% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 1,052 |
| Noncurrent loans to loans | 1.9682% | 918 |
| Net loans and leases to total assets | 77.7637% | 1,235 |
| Net loans and leases to deposits | 85.8171% | 2,203 |
| Net loans and leases to core deposits | 89.7037% | 2,533 |
| Total domestic deposits to total assets | 90.6157% | 412 |
| Equity capital to assets | 8.9367% | 4,876 |
| Core capital (leverage) ratio | 9.1746% | 4,515 |
| Tier 1 risk-based capital ratio | 10.5671% | 5,542 |
| Total risk-based capital ratio | 11.7394% | 5,511 |
| Memoranda: | ||
| Average total assets | $147,380,600 | 3,561 |
| Average earning assets | $142,395,600 | 3,473 |
| Average equity | $13,632,600 | 4,004 |
| Average total loans | $121,100,800 | 3,054 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 2,315 |
| Cost of funding earning assets | 0.3622% | 3,415 |
| Net interest margin | 3.8941% | 1,995 |
| Noninterest income to average assets | 2.1389% | 324 |
| Noninterest expense to average assets | 4.2594% | 464 |
| Loan and lease loss provision to assets | 0.1102% | 2,090 |
| Net operating income to assets | 1.5294% | 827 |
| Return on assets (ROA) | 1.5294% | 876 |
| Pretax return on assets | 1.5294% | 1,613 |
| Return on Equity (ROE) | 16.3847% | 503 |
| Retained earnings to average equity (ytd only) | -3.0881% | 5,656 |
| Net charge-offs to loans | 0.0155% | 3,424 |
| Credit loss provision to net charge-offs | 857.1429% | 466 |
| Earnings coverage of net charge-offs (x) | 127.5453% | 538 |
| Efficiency ratio | 72.2067% | 2,549 |
| Assets per employee ($millions) | 3.1407% | 5,251 |
| Cash dividends to net income (ytd only)* | 118.8472% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 3,406 |
| Loan loss allowance to noncurrent loans | 59.9591% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.6923% | 1,006 |
| Noncurrent loans to loans | 1.9575% | 1,014 |
| Net loans and leases to total assets | 85.4417% | 292 |
| Net loans and leases to deposits | 95.6440% | 1,084 |
| Net loans and leases to core deposits | 100.3553% | 1,602 |
| Total domestic deposits to total assets | 89.3330% | 747 |
| Equity capital to assets | 9.4148% | 4,752 |
| Core capital (leverage) ratio | 9.2275% | 4,551 |
| Tier 1 risk-based capital ratio | 10.4089% | 5,652 |
| Total risk-based capital ratio | 11.5307% | 5,638 |
| Memoranda: | ||
| Average total assets | $145,243,250 | 3,604 |
| Average earning assets | $140,243,750 | 3,512 |
| Average equity | $13,557,000 | 4,050 |
| Average total loans | $120,675,250 | 3,061 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,054 |
| Cost of funding earning assets | 0.3688% | 3,366 |
| Net interest margin | 3.9611% | 1,770 |
| Noninterest income to average assets | 2.0110% | 334 |
| Noninterest expense to average assets | 4.2048% | 489 |
| Loan and lease loss provision to assets | 0.0825% | 2,486 |
| Net operating income to assets | 1.5478% | 810 |
| Return on assets (ROA) | 1.5478% | 853 |
| Pretax return on assets | 1.5478% | 1,533 |
| Return on Equity (ROE) | 16.6297% | 466 |
| Retained earnings to average equity (ytd only) | -3.0128% | 5,634 |
| Net charge-offs to loans | 0.0252% | 2,978 |
| Credit loss provision to net charge-offs | 400.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 79.0667% | 710 |
| Efficiency ratio | 72.0612% | 2,641 |
| Assets per employee ($millions) | 3.2361% | 5,155 |
| Cash dividends to net income (ytd only)* | 118.1172% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 3,630 |
| Loan loss allowance to noncurrent loans | 148.9407% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 3,100 |
| Noncurrent loans to loans | 0.7736% | 2,813 |
| Net loans and leases to total assets | 81.0286% | 744 |
| Net loans and leases to deposits | 89.6004% | 1,797 |
| Net loans and leases to core deposits | 93.6316% | 2,198 |
| Total domestic deposits to total assets | 90.4334% | 336 |
| Equity capital to assets | 9.2119% | 5,058 |
| Core capital (leverage) ratio | 9.4657% | 4,246 |
| Tier 1 risk-based capital ratio | 10.7559% | 5,546 |
| Total risk-based capital ratio | 11.8587% | 5,540 |
| Memoranda: | ||
| Average total assets | $145,499,670 | 3,625 |
| Average earning assets | $140,467,330 | 3,533 |
| Average equity | $13,542,000 | 4,070 |
| Average total loans | $119,264,670 | 3,092 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 2,775 |
| Cost of funding earning assets | 0.3892% | 3,200 |
| Net interest margin | 3.7307% | 2,550 |
| Noninterest income to average assets | 1.5102% | 498 |
| Noninterest expense to average assets | 3.8882% | 697 |
| Loan and lease loss provision to assets | 0.0834% | 2,284 |
| Net operating income to assets | 1.1375% | 1,757 |
| Return on assets (ROA) | 1.1375% | 1,875 |
| Pretax return on assets | 1.1375% | 2,943 |
| Return on Equity (ROE) | 12.1577% | 1,273 |
| Retained earnings to average equity (ytd only) | -27.3771% | 6,013 |
| Net charge-offs to loans | 0.0611% | 1,887 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 24.3889% | 1,333 |
| Efficiency ratio | 76.1023% | 2,166 |
| Assets per employee ($millions) | 3.0340% | 5,474 |
| Cash dividends to net income (ytd only)* | 325.1834% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 3,724 |
| Loan loss allowance to noncurrent loans | 4,731.0345% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 5,565 |
| Noncurrent loans to loans | 0.0245% | 5,399 |
| Net loans and leases to total assets | 82.1557% | 537 |
| Net loans and leases to deposits | 91.8056% | 1,373 |
| Net loans and leases to core deposits | 94.7756% | 1,907 |
| Total domestic deposits to total assets | 89.4888% | 841 |
| Equity capital to assets | 9.1143% | 5,070 |
| Core capital (leverage) ratio | 9.1105% | 4,723 |
| Tier 1 risk-based capital ratio | 10.5035% | 5,748 |
| Total risk-based capital ratio | 11.6124% | 5,725 |
| Memoranda: | ||
| Average total assets | $143,819,000 | 3,670 |
| Average earning assets | $138,741,000 | 3,577 |
| Average equity | $13,456,500 | 4,094 |
| Average total loans | $117,884,000 | 3,119 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,454 |
| Cost of funding earning assets | 0.3845% | 3,325 |
| Net interest margin | 3.8467% | 2,211 |
| Noninterest income to average assets | 1.8403% | 402 |
| Noninterest expense to average assets | 4.2811% | 502 |
| Loan and lease loss provision to assets | 0.0792% | 2,697 |
| Net operating income to assets | 1.1822% | 1,611 |
| Return on assets (ROA) | 1.1822% | 1,692 |
| Pretax return on assets | 1.1822% | 2,723 |
| Return on Equity (ROE) | 12.0765% | 1,283 |
| Retained earnings to average equity (ytd only) | 1.0444% | 5,100 |
| Net charge-offs to loans | -0.0018% | 4,865 |
| Credit loss provision to net charge-offs | -5,500.0000% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2408% | 2,082 |
| Assets per employee ($millions) | 3.2231% | 5,270 |
| Cash dividends to net income (ytd only)* | 91.3520% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,700 |
| Loan loss allowance to noncurrent loans | 2,893.6170% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 5,558 |
| Noncurrent loans to loans | 0.0401% | 5,358 |
| Net loans and leases to total assets | 79.8977% | 857 |
| Net loans and leases to deposits | 89.8686% | 1,629 |
| Net loans and leases to core deposits | 92.7486% | 2,155 |
| Total domestic deposits to total assets | 88.9050% | 1,168 |
| Equity capital to assets | 9.5947% | 4,442 |
| Core capital (leverage) ratio | 9.7011% | 3,909 |
| Tier 1 risk-based capital ratio | 11.8874% | 5,022 |
| Total risk-based capital ratio | 13.0492% | 4,989 |
| Memoranda: | ||
| Average total assets | $138,889,800 | 3,741 |
| Average earning assets | $133,671,400 | 3,635 |
| Average equity | $13,596,600 | 4,035 |
| Average total loans | $112,520,800 | 3,161 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 2,541 |
| Cost of funding earning assets | 0.3845% | 3,386 |
| Net interest margin | 3.8258% | 2,282 |
| Noninterest income to average assets | 1.9521% | 374 |
| Noninterest expense to average assets | 4.3789% | 446 |
| Loan and lease loss provision to assets | 0.0679% | 2,818 |
| Net operating income to assets | 1.1852% | 1,696 |
| Return on assets (ROA) | 1.1852% | 1,762 |
| Pretax return on assets | 1.1852% | 2,874 |
| Return on Equity (ROE) | 12.0440% | 1,362 |
| Retained earnings to average equity (ytd only) | 0.0098% | 5,589 |
| Net charge-offs to loans | -0.0012% | 4,670 |
| Credit loss provision to net charge-offs | -7,000.0000% | 5,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7491% | 1,975 |
| Assets per employee ($millions) | 3.0327% | 5,510 |
| Cash dividends to net income (ytd only)* | 99.9183% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,827 |
| Loan loss allowance to noncurrent loans | 4,254.8387% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 5,708 |
| Noncurrent loans to loans | 0.0274% | 5,520 |
| Net loans and leases to total assets | 78.3070% | 1,053 |
| Net loans and leases to deposits | 88.1123% | 1,885 |
| Net loans and leases to core deposits | 90.7604% | 2,377 |
| Total domestic deposits to total assets | 88.8718% | 1,088 |
| Equity capital to assets | 9.6640% | 4,557 |
| Core capital (leverage) ratio | 9.6451% | 4,115 |
| Tier 1 risk-based capital ratio | 12.2207% | 4,946 |
| Total risk-based capital ratio | 13.3908% | 4,908 |
| Memoranda: | ||
| Average total assets | $137,352,750 | 3,799 |
| Average earning assets | $132,117,750 | 3,693 |
| Average equity | $13,516,750 | 4,093 |
| Average total loans | $111,340,500 | 3,206 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 2,428 |
| Cost of funding earning assets | 0.3852% | 3,423 |
| Net interest margin | 3.8445% | 2,157 |
| Noninterest income to average assets | 1.9466% | 386 |
| Noninterest expense to average assets | 4.5140% | 418 |
| Loan and lease loss provision to assets | 0.0590% | 2,919 |
| Net operating income to assets | 1.0677% | 2,069 |
| Return on assets (ROA) | 1.0677% | 2,171 |
| Pretax return on assets | 1.0677% | 3,315 |
| Return on Equity (ROE) | 10.7813% | 1,754 |
| Retained earnings to average equity (ytd only) | -5.3758% | 6,039 |
| Net charge-offs to loans | -0.0018% | 4,582 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0261% | 1,760 |
| Assets per employee ($millions) | 2.8344% | 5,781 |
| Cash dividends to net income (ytd only)* | 149.8619% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 4,240 |
| Loan loss allowance to noncurrent loans | 4,031.2500% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 5,455 |
| Noncurrent loans to loans | 0.0277% | 5,650 |
| Net loans and leases to total assets | 82.2935% | 525 |
| Net loans and leases to deposits | 92.6186% | 1,304 |
| Net loans and leases to core deposits | 95.4726% | 1,848 |
| Total domestic deposits to total assets | 88.8521% | 1,220 |
| Equity capital to assets | 9.6582% | 4,460 |
| Core capital (leverage) ratio | 9.7597% | 3,926 |
| Tier 1 risk-based capital ratio | 11.1926% | 5,621 |
| Total risk-based capital ratio | 12.2690% | 5,623 |
| Memoranda: | ||
| Average total assets | $135,624,000 | 3,866 |
| Average earning assets | $130,315,000 | 3,749 |
| Average equity | $13,430,670 | 4,132 |
| Average total loans | $110,808,330 | 3,235 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 2,466 |
| Cost of funding earning assets | 0.3886% | 3,427 |
| Net interest margin | 3.8083% | 2,202 |
| Noninterest income to average assets | 1.8956% | 385 |
| Noninterest expense to average assets | 4.6331% | 391 |
| Loan and lease loss provision to assets | 0.0597% | 2,736 |
| Net operating income to assets | 0.8597% | 2,965 |
| Return on assets (ROA) | 0.8597% | 3,080 |
| Pretax return on assets | 0.8597% | 4,024 |
| Return on Equity (ROE) | 8.5721% | 2,658 |
| Retained earnings to average equity (ytd only) | -20.0015% | 6,272 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4409% | 1,439 |
| Assets per employee ($millions) | 2.5162% | 6,100 |
| Cash dividends to net income (ytd only)* | 333.3333% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 4,203 |
| Loan loss allowance to noncurrent loans | 2,350.0000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 5,463 |
| Noncurrent loans to loans | 0.0494% | 5,587 |
| Net loans and leases to total assets | 81.0713% | 561 |
| Net loans and leases to deposits | 91.6066% | 1,230 |
| Net loans and leases to core deposits | 93.8718% | 1,779 |
| Total domestic deposits to total assets | 88.4994% | 1,547 |
| Equity capital to assets | 9.8254% | 4,358 |
| Core capital (leverage) ratio | 9.8273% | 3,851 |
| Tier 1 risk-based capital ratio | 11.4590% | 5,579 |
| Total risk-based capital ratio | 12.5688% | 5,563 |
| Memoranda: | ||
| Average total assets | $133,992,500 | 3,922 |
| Average earning assets | $128,665,000 | 3,814 |
| Average equity | $13,439,000 | 4,163 |
| Average total loans | $108,420,000 | 3,290 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 2,796 |
| Cost of funding earning assets | 0.3922% | 3,766 |
| Net interest margin | 3.8534% | 2,414 |
| Noninterest income to average assets | 2.0057% | 338 |
| Noninterest expense to average assets | 4.5283% | 447 |
| Loan and lease loss provision to assets | -0.1053% | 6,156 |
| Net operating income to assets | 1.2694% | 1,373 |
| Return on assets (ROA) | 1.2694% | 1,425 |
| Pretax return on assets | 1.2694% | 2,352 |
| Return on Equity (ROE) | 12.9278% | 1,160 |
| Retained earnings to average equity (ytd only) | 8.1856% | 959 |
| Net charge-offs to loans | -0.1911% | 6,256 |
| Credit loss provision to net charge-offs | 71.7172% | 3,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5493% | 2,001 |
| Assets per employee ($millions) | 2.4041% | 6,215 |
| Cash dividends to net income (ytd only)* | 36.6822% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 4,213 |
| Loan loss allowance to noncurrent loans | 3,670.5882% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 5,604 |
| Noncurrent loans to loans | 0.0316% | 5,760 |
| Net loans and leases to total assets | 78.8906% | 894 |
| Net loans and leases to deposits | 89.6497% | 1,551 |
| Net loans and leases to core deposits | 91.8524% | 2,106 |
| Total domestic deposits to total assets | 87.9987% | 1,773 |
| Equity capital to assets | 10.2320% | 3,821 |
| Core capital (leverage) ratio | 10.4610% | 2,993 |
| Tier 1 risk-based capital ratio | 12.8977% | 4,798 |
| Total risk-based capital ratio | 14.0662% | 4,761 |
| Memoranda: | ||
| Average total assets | $134,862,600 | 3,885 |
| Average earning assets | $129,027,400 | 3,787 |
| Average equity | $13,242,800 | 4,148 |
| Average total loans | $103,628,400 | 3,350 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,785 |
| Cost of funding earning assets | 0.3970% | 3,821 |
| Net interest margin | 3.8601% | 2,391 |
| Noninterest income to average assets | 1.8904% | 381 |
| Noninterest expense to average assets | 4.5398% | 444 |
| Loan and lease loss provision to assets | -0.1700% | 6,361 |
| Net operating income to assets | 1.2105% | 1,645 |
| Return on assets (ROA) | 1.2105% | 1,711 |
| Pretax return on assets | 1.2105% | 2,736 |
| Return on Equity (ROE) | 12.4586% | 1,350 |
| Retained earnings to average equity (ytd only) | 8.1057% | 1,308 |
| Net charge-offs to loans | -0.2714% | 6,373 |
| Credit loss provision to net charge-offs | 82.2967% | 2,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3529% | 1,701 |
| Assets per employee ($millions) | 2.3489% | 6,329 |
| Cash dividends to net income (ytd only)* | 34.9387% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 4,377 |
| Loan loss allowance to noncurrent loans | 2,363.4615% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 4,692 |
| Noncurrent loans to loans | 0.0496% | 5,814 |
| Net loans and leases to total assets | 78.8332% | 856 |
| Net loans and leases to deposits | 89.5922% | 1,467 |
| Net loans and leases to core deposits | 91.6786% | 2,061 |
| Total domestic deposits to total assets | 87.9911% | 1,776 |
| Equity capital to assets | 10.2542% | 3,858 |
| Core capital (leverage) ratio | 10.0088% | 3,671 |
| Tier 1 risk-based capital ratio | 12.8413% | 4,955 |
| Total risk-based capital ratio | 14.0114% | 4,909 |
| Memoranda: | ||
| Average total assets | $134,921,500 | 3,920 |
| Average earning assets | $128,974,250 | 3,806 |
| Average equity | $13,109,750 | 4,197 |
| Average total loans | $102,671,500 | 3,397 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,789 |
| Cost of funding earning assets | 0.3969% | 3,896 |
| Net interest margin | 3.8474% | 2,389 |
| Noninterest income to average assets | 1.6494% | 472 |
| Noninterest expense to average assets | 4.4572% | 468 |
| Loan and lease loss provision to assets | -0.2969% | 6,526 |
| Net operating income to assets | 1.1657% | 1,702 |
| Return on assets (ROA) | 1.1657% | 1,768 |
| Pretax return on assets | 1.1657% | 2,814 |
| Return on Equity (ROE) | 12.2153% | 1,364 |
| Retained earnings to average equity (ytd only) | 8.3952% | 1,177 |
| Net charge-offs to loans | -0.4611% | 6,503 |
| Credit loss provision to net charge-offs | 85.9574% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6876% | 1,549 |
| Assets per employee ($millions) | 2.4067% | 6,352 |
| Cash dividends to net income (ytd only)* | 31.2736% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 4,530 |
| Loan loss allowance to noncurrent loans | 1,155.6604% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 4,753 |
| Noncurrent loans to loans | 0.1018% | 5,712 |
| Net loans and leases to total assets | 72.4582% | 1,658 |
| Net loans and leases to deposits | 81.3484% | 2,340 |
| Net loans and leases to core deposits | 83.5461% | 2,788 |
| Total domestic deposits to total assets | 89.0714% | 1,316 |
| Equity capital to assets | 9.3208% | 4,958 |
| Core capital (leverage) ratio | 9.9496% | 3,681 |
| Tier 1 risk-based capital ratio | 12.4524% | 5,257 |
| Total risk-based capital ratio | 13.6049% | 5,248 |
| Memoranda: | ||
| Average total assets | $136,050,000 | 3,920 |
| Average earning assets | $130,009,670 | 3,808 |
| Average equity | $12,983,670 | 4,226 |
| Average total loans | $101,921,000 | 3,418 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 2,047 |
| Cost of funding earning assets | 0.4097% | 3,857 |
| Net interest margin | 4.0146% | 1,712 |
| Noninterest income to average assets | 1.2023% | 764 |
| Noninterest expense to average assets | 4.4004% | 499 |
| Loan and lease loss provision to assets | -0.6673% | 6,686 |
| Net operating income to assets | 1.2985% | 1,218 |
| Return on assets (ROA) | 1.2985% | 1,263 |
| Pretax return on assets | 1.2985% | 2,100 |
| Return on Equity (ROE) | 13.4391% | 1,049 |
| Retained earnings to average equity (ytd only) | 10.3904% | 881 |
| Net charge-offs to loans | -0.9244% | 6,623 |
| Credit loss provision to net charge-offs | 95.2790% | 1,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4552% | 1,287 |
| Assets per employee ($millions) | 2.4036% | 6,419 |
| Cash dividends to net income (ytd only)* | 22.6852% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 4,826 |
| Loan loss allowance to noncurrent loans | 3,344.4444% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 4,980 |
| Noncurrent loans to loans | 0.0347% | 6,045 |
| Net loans and leases to total assets | 76.2821% | 971 |
| Net loans and leases to deposits | 86.1686% | 1,588 |
| Net loans and leases to core deposits | 88.6382% | 2,034 |
| Total domestic deposits to total assets | 88.5267% | 1,920 |
| Equity capital to assets | 9.6769% | 4,256 |
| Core capital (leverage) ratio | 9.9107% | 3,695 |
| Tier 1 risk-based capital ratio | 12.4814% | 5,327 |
| Total risk-based capital ratio | 13.6352% | 5,321 |
| Memoranda: | ||
| Average total assets | $133,077,500 | 4,009 |
| Average earning assets | $126,936,500 | 3,905 |
| Average equity | $12,858,000 | 4,258 |
| Average total loans | $100,825,500 | 3,450 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 3,688 |
| Cost of funding earning assets | 0.4838% | 3,777 |
| Net interest margin | 3.6288% | 3,334 |
| Noninterest income to average assets | 2.4455% | 288 |
| Noninterest expense to average assets | 4.6195% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2889% | 1,277 |
| Return on assets (ROA) | 1.2889% | 1,330 |
| Pretax return on assets | 1.2889% | 2,205 |
| Return on Equity (ROE) | 12.6489% | 1,239 |
| Retained earnings to average equity (ytd only) | -8.8631% | 6,515 |
| Net charge-offs to loans | -0.0040% | 5,903 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1851% | 2,444 |
| Assets per employee ($millions) | 2.0882% | 6,611 |
| Cash dividends to net income (ytd only)* | 170.0700% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 4,543 |
| Loan loss allowance to noncurrent loans | 365.6442% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 4,199 |
| Noncurrent loans to loans | 0.3334% | 5,188 |
| Net loans and leases to total assets | 73.4136% | 1,453 |
| Net loans and leases to deposits | 83.0524% | 2,046 |
| Net loans and leases to core deposits | 85.5122% | 2,507 |
| Total domestic deposits to total assets | 88.3943% | 1,952 |
| Equity capital to assets | 9.6468% | 4,224 |
| Core capital (leverage) ratio | 9.5686% | 4,157 |
| Tier 1 risk-based capital ratio | 12.7670% | 5,135 |
| Total risk-based capital ratio | 13.9661% | 5,109 |
| Memoranda: | ||
| Average total assets | $132,979,400 | 4,013 |
| Average earning assets | $126,903,000 | 3,911 |
| Average equity | $13,550,600 | 4,154 |
| Average total loans | $99,876,000 | 3,447 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,796 |
| Cost of funding earning assets | 0.4944% | 3,825 |
| Net interest margin | 3.5969% | 3,458 |
| Noninterest income to average assets | 2.7339% | 264 |
| Noninterest expense to average assets | 4.6598% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5079% | 883 |
| Return on assets (ROA) | 1.5079% | 928 |
| Pretax return on assets | 1.5079% | 1,582 |
| Return on Equity (ROE) | 14.6062% | 866 |
| Retained earnings to average equity (ytd only) | -1.3754% | 6,181 |
| Net charge-offs to loans | -0.0040% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5512% | 2,797 |
| Assets per employee ($millions) | 2.1469% | 6,661 |
| Cash dividends to net income (ytd only)* | 109.4165% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 4,726 |
| Loan loss allowance to noncurrent loans | 189.0476% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 3,868 |
| Noncurrent loans to loans | 0.6523% | 4,569 |
| Net loans and leases to total assets | 71.6630% | 1,655 |
| Net loans and leases to deposits | 81.6474% | 2,179 |
| Net loans and leases to core deposits | 84.2790% | 2,624 |
| Total domestic deposits to total assets | 87.7713% | 2,264 |
| Equity capital to assets | 10.3309% | 3,469 |
| Core capital (leverage) ratio | 10.1764% | 3,432 |
| Tier 1 risk-based capital ratio | 13.7924% | 4,573 |
| Total risk-based capital ratio | 14.9870% | 4,563 |
| Memoranda: | ||
| Average total assets | $133,335,250 | 4,050 |
| Average earning assets | $127,291,500 | 3,931 |
| Average equity | $13,765,500 | 4,161 |
| Average total loans | $100,402,000 | 3,463 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 3,681 |
| Cost of funding earning assets | 0.5038% | 3,860 |
| Net interest margin | 3.6100% | 3,316 |
| Noninterest income to average assets | 3.3011% | 224 |
| Noninterest expense to average assets | 4.7027% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0463% | 333 |
| Return on assets (ROA) | 2.0463% | 349 |
| Pretax return on assets | 2.0463% | 550 |
| Return on Equity (ROE) | 19.8252% | 315 |
| Retained earnings to average equity (ytd only) | -0.8714% | 6,027 |
| Net charge-offs to loans | -0.0059% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6801% | 3,885 |
| Assets per employee ($millions) | 2.6355% | 6,368 |
| Cash dividends to net income (ytd only)* | 104.3956% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,114 |
| Loan loss allowance to noncurrent loans | 142.8058% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 3,896 |
| Noncurrent loans to loans | 0.8244% | 4,267 |
| Net loans and leases to total assets | 72.9539% | 1,412 |
| Net loans and leases to deposits | 82.8491% | 1,946 |
| Net loans and leases to core deposits | 85.8830% | 2,342 |
| Total domestic deposits to total assets | 88.0564% | 2,204 |
| Equity capital to assets | 10.0946% | 3,799 |
| Core capital (leverage) ratio | 10.3464% | 3,049 |
| Tier 1 risk-based capital ratio | 13.1407% | 5,039 |
| Total risk-based capital ratio | 14.2720% | 5,068 |
| Memoranda: | ||
| Average total assets | $133,412,000 | 4,071 |
| Average earning assets | $127,423,330 | 3,953 |
| Average equity | $13,770,330 | 4,196 |
| Average total loans | $101,676,670 | 3,443 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 3,721 |
| Cost of funding earning assets | 0.5159% | 3,917 |
| Net interest margin | 3.5859% | 3,317 |
| Noninterest income to average assets | 3.6111% | 203 |
| Noninterest expense to average assets | 4.6324% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.4013% | 178 |
| Return on assets (ROA) | 2.4013% | 191 |
| Pretax return on assets | 2.4013% | 307 |
| Return on Equity (ROE) | 23.0011% | 165 |
| Retained earnings to average equity (ytd only) | -9.0257% | 6,576 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8600% | 4,688 |
| Assets per employee ($millions) | 2.3022% | 6,721 |
| Cash dividends to net income (ytd only)* | 139.2405% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,100 |
| Loan loss allowance to noncurrent loans | 140.2123% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9803% | 3,968 |
| Noncurrent loans to loans | 0.8693% | 4,389 |
| Net loans and leases to total assets | 72.1681% | 1,324 |
| Net loans and leases to deposits | 82.1773% | 1,802 |
| Net loans and leases to core deposits | 85.4112% | 2,166 |
| Total domestic deposits to total assets | 87.8200% | 2,441 |
| Equity capital to assets | 10.1730% | 3,929 |
| Core capital (leverage) ratio | 10.4246% | 2,875 |
| Tier 1 risk-based capital ratio | 13.3651% | 4,966 |
| Total risk-based capital ratio | 14.5339% | 4,976 |
| Memoranda: | ||
| Average total assets | $131,596,000 | 4,146 |
| Average earning assets | $125,603,500 | 4,032 |
| Average equity | $13,738,500 | 4,238 |
| Average total loans | $101,930,000 | 3,463 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 2,174 |
| Cost of funding earning assets | 0.6200% | 4,177 |
| Net interest margin | 4.1845% | 1,701 |
| Noninterest income to average assets | 2.7809% | 278 |
| Noninterest expense to average assets | 4.7404% | 457 |
| Loan and lease loss provision to assets | 0.0803% | 4,698 |
| Net operating income to assets | 1.9385% | 404 |
| Return on assets (ROA) | 1.9385% | 441 |
| Pretax return on assets | 1.9385% | 686 |
| Return on Equity (ROE) | 18.4213% | 408 |
| Retained earnings to average equity (ytd only) | 11.2634% | 409 |
| Net charge-offs to loans | 0.0496% | 5,219 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 50.2800% | 678 |
| Efficiency ratio | 70.1319% | 3,789 |
| Assets per employee ($millions) | 2.2356% | 6,805 |
| Cash dividends to net income (ytd only)* | 38.8567% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,480 |
| Loan loss allowance to noncurrent loans | 121.2245% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 3,794 |
| Noncurrent loans to loans | 0.9219% | 4,343 |
| Net loans and leases to total assets | 81.0700% | 387 |
| Net loans and leases to deposits | 93.0717% | 823 |
| Net loans and leases to core deposits | 97.4614% | 1,186 |
| Total domestic deposits to total assets | 87.1049% | 2,774 |
| Equity capital to assets | 10.7148% | 3,263 |
| Core capital (leverage) ratio | 10.9883% | 2,263 |
| Tier 1 risk-based capital ratio | 13.3345% | 4,876 |
| Total risk-based capital ratio | 14.4748% | 4,888 |
| Memoranda: | ||
| Average total assets | $124,526,600 | 4,263 |
| Average earning assets | $118,390,600 | 4,146 |
| Average equity | $13,104,400 | 4,334 |
| Average total loans | $100,722,400 | 3,501 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 2,198 |
| Cost of funding earning assets | 0.6309% | 4,358 |
| Net interest margin | 4.2191% | 1,684 |
| Noninterest income to average assets | 2.7100% | 285 |
| Noninterest expense to average assets | 4.6844% | 465 |
| Loan and lease loss provision to assets | 0.1082% | 4,219 |
| Net operating income to assets | 1.9257% | 431 |
| Return on assets (ROA) | 1.9257% | 498 |
| Pretax return on assets | 1.9257% | 822 |
| Return on Equity (ROE) | 18.3871% | 459 |
| Retained earnings to average equity (ytd only) | 10.9703% | 688 |
| Net charge-offs to loans | 0.0792% | 4,604 |
| Credit loss provision to net charge-offs | 169.4915% | 1,640 |
| Earnings coverage of net charge-offs (x) | 31.8663% | 1,048 |
| Efficiency ratio | 69.7262% | 3,744 |
| Assets per employee ($millions) | 2.0896% | 6,970 |
| Cash dividends to net income (ytd only)* | 40.3372% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,380 |
| Loan loss allowance to noncurrent loans | 114.2442% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 3,871 |
| Noncurrent loans to loans | 1.0320% | 4,385 |
| Net loans and leases to total assets | 78.8199% | 631 |
| Net loans and leases to deposits | 91.6589% | 1,003 |
| Net loans and leases to core deposits | 96.4446% | 1,372 |
| Total domestic deposits to total assets | 85.9926% | 3,263 |
| Equity capital to assets | 10.7516% | 3,553 |
| Core capital (leverage) ratio | 10.7292% | 2,673 |
| Tier 1 risk-based capital ratio | 13.2997% | 5,024 |
| Total risk-based capital ratio | 14.4629% | 5,052 |
| Memoranda: | ||
| Average total assets | $123,242,750 | 4,326 |
| Average earning assets | $117,083,000 | 4,223 |
| Average equity | $12,907,250 | 4,414 |
| Average total loans | $99,326,750 | 3,576 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 2,384 |
| Cost of funding earning assets | 0.6327% | 4,600 |
| Net interest margin | 4.1970% | 1,763 |
| Noninterest income to average assets | 2.5496% | 290 |
| Noninterest expense to average assets | 4.6143% | 497 |
| Loan and lease loss provision to assets | 0.1632% | 3,469 |
| Net operating income to assets | 1.7563% | 609 |
| Return on assets (ROA) | 1.7563% | 682 |
| Pretax return on assets | 1.7563% | 1,122 |
| Return on Equity (ROE) | 16.9231% | 648 |
| Retained earnings to average equity (ytd only) | 8.3829% | 1,487 |
| Net charge-offs to loans | 0.0646% | 4,530 |
| Credit loss provision to net charge-offs | 312.5000% | 941 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 935 |
| Efficiency ratio | 70.6220% | 3,666 |
| Assets per employee ($millions) | 2.0973% | 7,019 |
| Cash dividends to net income (ytd only)* | 50.4647% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 5,254 |
| Loan loss allowance to noncurrent loans | 63.8771% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.1226% | 2,638 |
| Noncurrent loans to loans | 1.9137% | 3,056 |
| Net loans and leases to total assets | 77.4430% | 790 |
| Net loans and leases to deposits | 89.5682% | 1,191 |
| Net loans and leases to core deposits | 93.9432% | 1,612 |
| Total domestic deposits to total assets | 86.4626% | 3,096 |
| Equity capital to assets | 10.2903% | 3,948 |
| Core capital (leverage) ratio | 10.5223% | 2,780 |
| Tier 1 risk-based capital ratio | 12.4647% | 5,592 |
| Total risk-based capital ratio | 13.6256% | 5,650 |
| Memoranda: | ||
| Average total assets | $122,531,330 | 4,361 |
| Average earning assets | $116,321,000 | 4,265 |
| Average equity | $12,716,330 | 4,455 |
| Average total loans | $99,102,000 | 3,594 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 1,854 |
| Cost of funding earning assets | 0.6419% | 4,802 |
| Net interest margin | 4.3675% | 1,296 |
| Noninterest income to average assets | 2.3627% | 324 |
| Noninterest expense to average assets | 4.2357% | 710 |
| Loan and lease loss provision to assets | 0.2482% | 2,477 |
| Net operating income to assets | 2.0219% | 400 |
| Return on assets (ROA) | 2.0219% | 464 |
| Pretax return on assets | 2.0219% | 710 |
| Return on Equity (ROE) | 19.3968% | 419 |
| Retained earnings to average equity (ytd only) | 11.6190% | 898 |
| Net charge-offs to loans | 0.0081% | 4,616 |
| Credit loss provision to net charge-offs | 3,750.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 343.0000% | 93 |
| Efficiency ratio | 65.1068% | 4,719 |
| Assets per employee ($millions) | 2.1967% | 7,046 |
| Cash dividends to net income (ytd only)* | 40.0982% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 5,386 |
| Loan loss allowance to noncurrent loans | 71.2772% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.1123% | 2,768 |
| Noncurrent loans to loans | 1.7154% | 3,540 |
| Net loans and leases to total assets | 80.9760% | 337 |
| Net loans and leases to deposits | 94.2605% | 641 |
| Net loans and leases to core deposits | 99.0864% | 1,044 |
| Total domestic deposits to total assets | 85.9067% | 3,583 |
| Equity capital to assets | 10.5806% | 3,399 |
| Core capital (leverage) ratio | 10.7910% | 2,448 |
| Tier 1 risk-based capital ratio | 12.7378% | 5,409 |
| Total risk-based capital ratio | 13.9445% | 5,412 |
| Memoranda: | ||
| Average total assets | $120,878,500 | 4,435 |
| Average earning assets | $114,664,500 | 4,319 |
| Average equity | $12,600,000 | 4,483 |
| Average total loans | $99,324,000 | 3,613 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 1,183 |
| Cost of funding earning assets | 0.6912% | 5,599 |
| Net interest margin | 4.8008% | 620 |
| Noninterest income to average assets | 1.7715% | 455 |
| Noninterest expense to average assets | 4.5450% | 566 |
| Loan and lease loss provision to assets | 1.1324% | 797 |
| Net operating income to assets | 0.5868% | 4,070 |
| Return on assets (ROA) | 0.5868% | 4,251 |
| Pretax return on assets | 0.5868% | 4,733 |
| Return on Equity (ROE) | 5.5923% | 4,085 |
| Retained earnings to average equity (ytd only) | -3.0332% | 6,275 |
| Net charge-offs to loans | 1.0486% | 1,657 |
| Credit loss provision to net charge-offs | 127.1676% | 2,442 |
| Earnings coverage of net charge-offs (x) | 1.9306% | 4,325 |
| Efficiency ratio | 72.5555% | 3,473 |
| Assets per employee ($millions) | 2.2396% | 7,056 |
| Cash dividends to net income (ytd only)* | 154.2398% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,655 |
| Loan loss allowance to noncurrent loans | 99.1289% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5239% | 3,670 |
| Noncurrent loans to loans | 1.1526% | 4,443 |
| Net loans and leases to total assets | 81.4174% | 380 |
| Net loans and leases to deposits | 94.6089% | 769 |
| Net loans and leases to core deposits | 98.0786% | 1,322 |
| Total domestic deposits to total assets | 86.0568% | 3,292 |
| Equity capital to assets | 10.2670% | 3,823 |
| Core capital (leverage) ratio | 10.3967% | 2,845 |
| Tier 1 risk-based capital ratio | 12.4263% | 5,512 |
| Total risk-based capital ratio | 13.5652% | 5,579 |
| Memoranda: | ||
| Average total assets | $116,568,000 | 4,492 |
| Average earning assets | $109,085,400 | 4,415 |
| Average equity | $12,231,200 | 4,492 |
| Average total loans | $98,986,000 | 3,645 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 1,113 |
| Cost of funding earning assets | 0.6996% | 5,767 |
| Net interest margin | 4.8623% | 553 |
| Noninterest income to average assets | 1.5599% | 541 |
| Noninterest expense to average assets | 4.4003% | 635 |
| Loan and lease loss provision to assets | 1.4479% | 488 |
| Net operating income to assets | 0.2459% | 5,581 |
| Return on assets (ROA) | 0.2459% | 5,724 |
| Pretax return on assets | 0.2459% | 5,816 |
| Return on Equity (ROE) | 2.3307% | 5,666 |
| Retained earnings to average equity (ytd only) | -7.5721% | 6,743 |
| Net charge-offs to loans | 1.4017% | 1,069 |
| Credit loss provision to net charge-offs | 120.6930% | 2,690 |
| Earnings coverage of net charge-offs (x) | 1.4119% | 4,572 |
| Efficiency ratio | 72.2054% | 3,512 |
| Assets per employee ($millions) | 2.1745% | 7,160 |
| Cash dividends to net income (ytd only)* | 424.8882% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,994 |
| Loan loss allowance to noncurrent loans | 75.5289% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.8965% | 3,273 |
| Noncurrent loans to loans | 1.4153% | 4,171 |
| Net loans and leases to total assets | 84.4113% | 196 |
| Net loans and leases to deposits | 98.2115% | 567 |
| Net loans and leases to core deposits | 101.3497% | 1,130 |
| Total domestic deposits to total assets | 85.9485% | 3,243 |
| Equity capital to assets | 10.3019% | 3,948 |
| Core capital (leverage) ratio | 10.3833% | 3,002 |
| Tier 1 risk-based capital ratio | 12.2182% | 5,730 |
| Total risk-based capital ratio | 13.2949% | 5,850 |
| Memoranda: | ||
| Average total assets | $115,474,750 | 4,543 |
| Average earning assets | $107,682,500 | 4,487 |
| Average equity | $12,184,750 | 4,517 |
| Average total loans | $98,831,250 | 3,673 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5465% | 1,193 |
| Cost of funding earning assets | 0.6963% | 5,986 |
| Net interest margin | 4.8501% | 554 |
| Noninterest income to average assets | 1.3899% | 658 |
| Noninterest expense to average assets | 4.3423% | 707 |
| Loan and lease loss provision to assets | 2.0692% | 291 |
| Net operating income to assets | -0.5086% | 6,697 |
| Return on assets (ROA) | -0.5086% | 6,724 |
| Pretax return on assets | -0.5086% | 6,664 |
| Return on Equity (ROE) | -4.7814% | 6,698 |
| Retained earnings to average equity (ytd only) | -19.6005% | 7,132 |
| Net charge-offs to loans | 2.1285% | 608 |
| Credit loss provision to net charge-offs | 113.4670% | 2,701 |
| Earnings coverage of net charge-offs (x) | 0.8558% | 4,654 |
| Efficiency ratio | 73.5615% | 3,451 |
| Assets per employee ($millions) | 2.0466% | 7,273 |
| Cash dividends to net income (ytd only)* | -309.9315% | 7,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,303 |
| Loan loss allowance to noncurrent loans | 64.5955% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 2.2389% | 2,932 |
| Noncurrent loans to loans | 1.5579% | 4,072 |
| Net loans and leases to total assets | 85.6608% | 151 |
| Net loans and leases to deposits | 100.0112% | 494 |
| Net loans and leases to core deposits | 104.1324% | 1,036 |
| Total domestic deposits to total assets | 85.6512% | 3,523 |
| Equity capital to assets | 10.1135% | 3,998 |
| Core capital (leverage) ratio | 10.2688% | 2,958 |
| Tier 1 risk-based capital ratio | 11.5461% | 6,135 |
| Total risk-based capital ratio | 12.5402% | 6,321 |
| Memoranda: | ||
| Average total assets | $114,824,670 | 4,591 |
| Average earning assets | $106,843,000 | 4,538 |
| Average equity | $12,214,000 | 4,503 |
| Average total loans | $98,378,000 | 3,733 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4013% | 1,550 |
| Cost of funding earning assets | 0.7011% | 6,129 |
| Net interest margin | 4.7002% | 701 |
| Noninterest income to average assets | 1.4478% | 605 |
| Noninterest expense to average assets | 4.3887% | 660 |
| Loan and lease loss provision to assets | 0.2297% | 3,353 |
| Net operating income to assets | 1.2390% | 1,425 |
| Return on assets (ROA) | 1.2390% | 1,480 |
| Pretax return on assets | 1.2390% | 2,234 |
| Return on Equity (ROE) | 11.3688% | 1,631 |
| Retained earnings to average equity (ytd only) | -16.7658% | 7,086 |
| Net charge-offs to loans | -0.0163% | 6,506 |
| Credit loss provision to net charge-offs | -1,650.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9257% | 3,340 |
| Assets per employee ($millions) | 2.0930% | 7,314 |
| Cash dividends to net income (ytd only)* | 247.4719% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 6,538 |
| Loan loss allowance to noncurrent loans | 28.9194% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 3.3175% | 2,056 |
| Noncurrent loans to loans | 3.2902% | 2,288 |
| Net loans and leases to total assets | 86.8977% | 103 |
| Net loans and leases to deposits | 100.9266% | 422 |
| Net loans and leases to core deposits | 104.9107% | 1,008 |
| Total domestic deposits to total assets | 86.0999% | 3,464 |
| Equity capital to assets | 11.0550% | 2,633 |
| Core capital (leverage) ratio | 10.7119% | 2,429 |
| Tier 1 risk-based capital ratio | 12.3521% | 5,394 |
| Total risk-based capital ratio | 13.2848% | 5,654 |
| Memoranda: | ||
| Average total assets | $114,932,500 | 4,621 |
| Average earning assets | $107,825,000 | 4,534 |
| Average equity | $12,525,500 | 4,441 |
| Average total loans | $97,980,500 | 3,776 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5121% | 2,232 |
| Cost of funding earning assets | 0.9978% | 5,709 |
| Net interest margin | 4.5143% | 1,202 |
| Noninterest income to average assets | 1.2574% | 938 |
| Noninterest expense to average assets | 3.7946% | 1,499 |
| Loan and lease loss provision to assets | 0.5128% | 3,100 |
| Net operating income to assets | 1.2105% | 1,389 |
| Return on assets (ROA) | 1.2105% | 1,465 |
| Pretax return on assets | 1.2105% | 2,189 |
| Return on Equity (ROE) | 12.7738% | 1,152 |
| Retained earnings to average equity (ytd only) | 4.6155% | 2,656 |
| Net charge-offs to loans | 0.7674% | 2,724 |
| Credit loss provision to net charge-offs | 83.1461% | 5,434 |
| Earnings coverage of net charge-offs (x) | 2.7940% | 3,680 |
| Efficiency ratio | 68.7692% | 4,412 |
| Assets per employee ($millions) | 2.2441% | 7,265 |
| Cash dividends to net income (ytd only)* | 63.8677% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 6,803 |
| Loan loss allowance to noncurrent loans | 25.3705% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 3.2698% | 2,164 |
| Noncurrent loans to loans | 3.4204% | 2,220 |
| Net loans and leases to total assets | 82.2159% | 437 |
| Net loans and leases to deposits | 94.6273% | 998 |
| Net loans and leases to core deposits | 98.6432% | 1,734 |
| Total domestic deposits to total assets | 86.8839% | 2,888 |
| Equity capital to assets | 10.7518% | 2,903 |
| Core capital (leverage) ratio | 10.3849% | 2,690 |
| Tier 1 risk-based capital ratio | 12.5882% | 4,945 |
| Total risk-based capital ratio | 13.4309% | 5,282 |
| Memoranda: | ||
| Average total assets | $129,868,200 | 4,274 |
| Average earning assets | $122,566,400 | 4,174 |
| Average equity | $12,306,400 | 4,523 |
| Average total loans | $104,383,600 | 3,670 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 2,431 |
| Cost of funding earning assets | 1.0384% | 5,752 |
| Net interest margin | 4.4622% | 1,341 |
| Noninterest income to average assets | 0.9854% | 1,503 |
| Noninterest expense to average assets | 3.5233% | 1,980 |
| Loan and lease loss provision to assets | 0.4877% | 3,033 |
| Net operating income to assets | 1.1875% | 1,628 |
| Return on assets (ROA) | 1.1875% | 1,722 |
| Pretax return on assets | 1.1875% | 2,538 |
| Return on Equity (ROE) | 12.9216% | 1,275 |
| Retained earnings to average equity (ytd only) | 1.9366% | 4,987 |
| Net charge-offs to loans | 0.6615% | 2,773 |
| Credit loss provision to net charge-offs | 92.3810% | 4,677 |
| Earnings coverage of net charge-offs (x) | 3.1733% | 3,556 |
| Efficiency ratio | 67.7756% | 4,510 |
| Assets per employee ($millions) | 2.4844% | 7,098 |
| Cash dividends to net income (ytd only)* | 85.0124% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 6,758 |
| Loan loss allowance to noncurrent loans | 53.1582% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 3,732 |
| Noncurrent loans to loans | 1.6865% | 4,112 |
| Net loans and leases to total assets | 81.3758% | 577 |
| Net loans and leases to deposits | 93.2465% | 1,288 |
| Net loans and leases to core deposits | 108.1464% | 1,152 |
| Total domestic deposits to total assets | 87.2696% | 2,389 |
| Equity capital to assets | 9.5962% | 4,703 |
| Core capital (leverage) ratio | 9.6209% | 3,734 |
| Tier 1 risk-based capital ratio | 11.3521% | 6,051 |
| Total risk-based capital ratio | 12.2230% | 6,385 |
| Memoranda: | ||
| Average total assets | $132,600,750 | 4,262 |
| Average earning assets | $125,195,500 | 4,179 |
| Average equity | $12,186,000 | 4,629 |
| Average total loans | $105,819,000 | 3,686 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 2,596 |
| Cost of funding earning assets | 1.0957% | 5,696 |
| Net interest margin | 4.3892% | 1,477 |
| Noninterest income to average assets | 0.8868% | 1,739 |
| Noninterest expense to average assets | 3.5083% | 2,007 |
| Loan and lease loss provision to assets | 0.6490% | 2,219 |
| Net operating income to assets | 0.8868% | 2,598 |
| Return on assets (ROA) | 0.8868% | 2,720 |
| Pretax return on assets | 0.8868% | 3,552 |
| Return on Equity (ROE) | 9.7890% | 2,176 |
| Retained earnings to average equity (ytd only) | -0.6108% | 5,879 |
| Net charge-offs to loans | 1.0252% | 1,820 |
| Credit loss provision to net charge-offs | 80.0738% | 4,702 |
| Earnings coverage of net charge-offs (x) | 1.8948% | 4,103 |
| Efficiency ratio | 69.5523% | 4,269 |
| Assets per employee ($millions) | 2.5563% | 7,031 |
| Cash dividends to net income (ytd only)* | 106.2395% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,892 |
| Loan loss allowance to noncurrent loans | 52.0944% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.7995% | 3,755 |
| Noncurrent loans to loans | 1.6380% | 4,253 |
| Net loans and leases to total assets | 77.1801% | 1,260 |
| Net loans and leases to deposits | 86.9794% | 2,342 |
| Net loans and leases to core deposits | 100.9545% | 1,923 |
| Total domestic deposits to total assets | 88.7338% | 1,584 |
| Equity capital to assets | 9.1644% | 5,194 |
| Core capital (leverage) ratio | 9.1869% | 4,319 |
| Tier 1 risk-based capital ratio | 10.9935% | 6,236 |
| Total risk-based capital ratio | 11.7903% | 6,651 |
| Memoranda: | ||
| Average total assets | $133,738,670 | 4,265 |
| Average earning assets | $126,676,000 | 4,166 |
| Average equity | $12,115,670 | 4,649 |
| Average total loans | $105,732,670 | 3,728 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 2,948 |
| Cost of funding earning assets | 1.1504% | 5,654 |
| Net interest margin | 4.2684% | 1,790 |
| Noninterest income to average assets | 0.8558% | 1,790 |
| Noninterest expense to average assets | 3.5037% | 1,977 |
| Loan and lease loss provision to assets | 0.3399% | 3,350 |
| Net operating income to assets | 1.0615% | 1,956 |
| Return on assets (ROA) | 1.0615% | 2,028 |
| Pretax return on assets | 1.0615% | 2,873 |
| Return on Equity (ROE) | 11.7856% | 1,550 |
| Retained earnings to average equity (ytd only) | -9.0710% | 6,904 |
| Net charge-offs to loans | 1.0406% | 1,587 |
| Credit loss provision to net charge-offs | 41.0072% | 4,626 |
| Earnings coverage of net charge-offs (x) | 1.6906% | 3,718 |
| Efficiency ratio | 71.4286% | 4,039 |
| Assets per employee ($millions) | 2.5417% | 7,139 |
| Cash dividends to net income (ytd only)* | 176.9663% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 7,175 |
| Loan loss allowance to noncurrent loans | 33.7001% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 2.4348% | 2,983 |
| Noncurrent loans to loans | 2.3153% | 3,370 |
| Net loans and leases to total assets | 79.5698% | 894 |
| Net loans and leases to deposits | 89.7044% | 1,946 |
| Net loans and leases to core deposits | 104.8181% | 1,670 |
| Total domestic deposits to total assets | 88.7022% | 1,673 |
| Equity capital to assets | 9.0386% | 5,219 |
| Core capital (leverage) ratio | 9.0257% | 4,517 |
| Tier 1 risk-based capital ratio | 10.6567% | 6,484 |
| Total risk-based capital ratio | 11.3944% | 6,925 |
| Memoranda: | ||
| Average total assets | $134,144,000 | 4,322 |
| Average earning assets | $127,259,500 | 4,204 |
| Average equity | $12,082,500 | 4,701 |
| Average total loans | $106,860,500 | 3,757 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9424% | 2,076 |
| Cost of funding earning assets | 1.5472% | 5,298 |
| Net interest margin | 4.3951% | 1,443 |
| Noninterest income to average assets | 1.2031% | 1,065 |
| Noninterest expense to average assets | 3.7740% | 1,743 |
| Loan and lease loss provision to assets | 0.1380% | 6,263 |
| Net operating income to assets | 1.4498% | 762 |
| Return on assets (ROA) | 1.4498% | 823 |
| Pretax return on assets | 1.4498% | 1,315 |
| Return on Equity (ROE) | 15.8020% | 574 |
| Retained earnings to average equity (ytd only) | 8.8419% | 517 |
| Net charge-offs to loans | 0.0500% | 6,600 |
| Credit loss provision to net charge-offs | 336.5385% | 961 |
| Earnings coverage of net charge-offs (x) | 38.7308% | 614 |
| Efficiency ratio | 70.3867% | 4,539 |
| Assets per employee ($millions) | 2.5683% | 7,091 |
| Cash dividends to net income (ytd only)* | 44.0457% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,731 |
| Loan loss allowance to noncurrent loans | 48.3431% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 1.7697% | 3,724 |
| Noncurrent loans to loans | 1.9048% | 3,796 |
| Net loans and leases to total assets | 78.4133% | 1,300 |
| Net loans and leases to deposits | 91.4925% | 1,964 |
| Net loans and leases to core deposits | 125.5862% | 1,547 |
| Total domestic deposits to total assets | 85.7046% | 3,161 |
| Equity capital to assets | 8.9766% | 5,180 |
| Core capital (leverage) ratio | 9.2902% | 3,993 |
| Tier 1 risk-based capital ratio | 10.7172% | 6,190 |
| Total risk-based capital ratio | 11.5873% | 6,524 |
| Memoranda: | ||
| Average total assets | $126,841,800 | 4,406 |
| Average earning assets | $120,019,600 | 4,314 |
| Average equity | $11,637,800 | 4,828 |
| Average total loans | $104,008,400 | 3,838 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0472% | 1,852 |
| Cost of funding earning assets | 1.6450% | 5,185 |
| Net interest margin | 4.4022% | 1,435 |
| Noninterest income to average assets | 1.2935% | 926 |
| Noninterest expense to average assets | 3.8589% | 1,494 |
| Loan and lease loss provision to assets | 0.1328% | 6,034 |
| Net operating income to assets | 1.4594% | 900 |
| Return on assets (ROA) | 1.4594% | 956 |
| Pretax return on assets | 1.4594% | 1,522 |
| Return on Equity (ROE) | 15.8128% | 680 |
| Retained earnings to average equity (ytd only) | 6.4156% | 1,755 |
| Net charge-offs to loans | 0.0673% | 6,023 |
| Credit loss provision to net charge-offs | 238.4615% | 1,834 |
| Earnings coverage of net charge-offs (x) | 28.5969% | 965 |
| Efficiency ratio | 70.7916% | 4,456 |
| Assets per employee ($millions) | 2.4146% | 7,360 |
| Cash dividends to net income (ytd only)* | 59.4275% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 6,751 |
| Loan loss allowance to noncurrent loans | 52.5992% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.7824% | 3,684 |
| Noncurrent loans to loans | 1.7145% | 4,067 |
| Net loans and leases to total assets | 80.8036% | 1,021 |
| Net loans and leases to deposits | 94.9838% | 1,716 |
| Net loans and leases to core deposits | 129.6725% | 1,453 |
| Total domestic deposits to total assets | 85.0710% | 3,196 |
| Equity capital to assets | 9.1747% | 5,208 |
| Core capital (leverage) ratio | 9.1245% | 4,453 |
| Tier 1 risk-based capital ratio | 10.7504% | 6,209 |
| Total risk-based capital ratio | 11.6120% | 6,550 |
| Memoranda: | ||
| Average total assets | $124,522,000 | 4,485 |
| Average earning assets | $117,604,250 | 4,392 |
| Average equity | $11,492,500 | 4,927 |
| Average total loans | $103,078,250 | 3,903 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1700% | 1,557 |
| Cost of funding earning assets | 1.7063% | 5,235 |
| Net interest margin | 4.4637% | 1,259 |
| Noninterest income to average assets | 1.5190% | 645 |
| Noninterest expense to average assets | 3.9798% | 1,347 |
| Loan and lease loss provision to assets | 0.1216% | 5,899 |
| Net operating income to assets | 1.6244% | 648 |
| Return on assets (ROA) | 1.6244% | 715 |
| Pretax return on assets | 1.6244% | 1,158 |
| Return on Equity (ROE) | 17.5640% | 531 |
| Retained earnings to average equity (ytd only) | 7.9231% | 1,234 |
| Net charge-offs to loans | 0.0877% | 5,321 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 23.9333% | 1,172 |
| Efficiency ratio | 69.5074% | 4,876 |
| Assets per employee ($millions) | 2.4054% | 7,419 |
| Cash dividends to net income (ytd only)* | 54.8902% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 6,852 |
| Loan loss allowance to noncurrent loans | 340.1515% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 6,347 |
| Noncurrent loans to loans | 0.2586% | 6,873 |
| Net loans and leases to total assets | 79.3632% | 1,442 |
| Net loans and leases to deposits | 93.2215% | 2,234 |
| Net loans and leases to core deposits | 130.0275% | 1,556 |
| Total domestic deposits to total assets | 85.1341% | 3,199 |
| Equity capital to assets | 9.1320% | 5,119 |
| Core capital (leverage) ratio | 9.3664% | 4,076 |
| Tier 1 risk-based capital ratio | 10.8553% | 6,030 |
| Total risk-based capital ratio | 11.6926% | 6,381 |
| Memoranda: | ||
| Average total assets | $123,372,000 | 4,549 |
| Average earning assets | $116,272,330 | 4,456 |
| Average equity | $11,409,670 | 4,972 |
| Average total loans | $102,655,330 | 3,947 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2944% | 1,316 |
| Cost of funding earning assets | 1.7502% | 5,350 |
| Net interest margin | 4.5442% | 1,045 |
| Noninterest income to average assets | 1.1210% | 1,179 |
| Noninterest expense to average assets | 3.7786% | 1,509 |
| Loan and lease loss provision to assets | 0.1484% | 5,038 |
| Net operating income to assets | 1.4574% | 1,022 |
| Return on assets (ROA) | 1.4574% | 1,098 |
| Pretax return on assets | 1.4574% | 1,795 |
| Return on Equity (ROE) | 15.6550% | 876 |
| Retained earnings to average equity (ytd only) | 6.8004% | 2,287 |
| Net charge-offs to loans | 0.0777% | 4,401 |
| Credit loss provision to net charge-offs | 225.0000% | 2,024 |
| Earnings coverage of net charge-offs (x) | 24.3500% | 1,243 |
| Efficiency ratio | 70.1776% | 4,540 |
| Assets per employee ($millions) | 2.3113% | 7,571 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 6,900 |
| Loan loss allowance to noncurrent loans | 930.2083% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 5,081 |
| Noncurrent loans to loans | 0.0928% | 7,258 |
| Net loans and leases to total assets | 83.7279% | 731 |
| Net loans and leases to deposits | 98.9351% | 1,543 |
| Net loans and leases to core deposits | 139.1655% | 1,143 |
| Total domestic deposits to total assets | 84.6291% | 3,404 |
| Equity capital to assets | 9.3046% | 4,932 |
| Core capital (leverage) ratio | 9.4723% | 4,016 |
| Tier 1 risk-based capital ratio | 10.5277% | 6,370 |
| Total risk-based capital ratio | 11.3535% | 6,718 |
| Memoranda: | ||
| Average total assets | $121,315,000 | 4,609 |
| Average earning assets | $113,815,000 | 4,538 |
| Average equity | $11,293,500 | 5,030 |
| Average total loans | $102,945,500 | 3,960 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7628% | 1,813 |
| Cost of funding earning assets | 2.3187% | 5,068 |
| Net interest margin | 4.4442% | 1,550 |
| Noninterest income to average assets | 0.7846% | 2,595 |
| Noninterest expense to average assets | 4.1671% | 1,184 |
| Loan and lease loss provision to assets | 0.3607% | 3,527 |
| Net operating income to assets | 0.3968% | 5,162 |
| Return on assets (ROA) | 0.3968% | 4,975 |
| Pretax return on assets | 0.3968% | 5,264 |
| Return on Equity (ROE) | 4.2013% | 4,738 |
| Retained earnings to average equity (ytd only) | -4.8363% | 6,485 |
| Net charge-offs to loans | 0.4854% | 2,416 |
| Credit loss provision to net charge-offs | 91.0788% | 5,653 |
| Earnings coverage of net charge-offs (x) | 1.9129% | 5,112 |
| Efficiency ratio | 84.6180% | 1,995 |
| Assets per employee ($millions) | 2.3555% | 7,479 |
| Cash dividends to net income (ytd only)* | 215.1139% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 6,911 |
| Loan loss allowance to noncurrent loans | 63.1732% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.6207% | 3,004 |
| Noncurrent loans to loans | 1.3414% | 3,836 |
| Net loans and leases to total assets | 84.5445% | 801 |
| Net loans and leases to deposits | 97.1328% | 2,269 |
| Net loans and leases to core deposits | 139.6870% | 1,286 |
| Total domestic deposits to total assets | 87.0401% | 1,917 |
| Equity capital to assets | 9.3139% | 4,921 |
| Core capital (leverage) ratio | 9.3456% | 4,238 |
| Tier 1 risk-based capital ratio | 10.4902% | 6,218 |
| Total risk-based capital ratio | 11.3040% | 6,557 |
| Memoranda: | ||
| Average total assets | $121,714,200 | 4,477 |
| Average earning assets | $113,384,200 | 4,437 |
| Average equity | $11,496,400 | 4,970 |
| Average total loans | $99,299,600 | 3,969 |