Home > Bank of New Mexico > Performance and Condition Ratios
Bank of New Mexico, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 3,587 |
| Cost of funding earning assets | 0.2074% | 4,996 |
| Net interest margin | 3.8500% | 2,382 |
| Noninterest income to average assets | 0.8647% | 1,281 |
| Noninterest expense to average assets | 3.1620% | 1,630 |
| Loan and lease loss provision to assets | 0.1037% | 1,874 |
| Net operating income to assets | 1.1616% | 2,342 |
| Return on assets (ROA) | 1.1616% | 2,346 |
| Pretax return on assets | 1.1616% | 3,093 |
| Return on Equity (ROE) | 12.1122% | 1,683 |
| Retained earnings to average equity (ytd only) | -2.4873% | 5,186 |
| Net charge-offs to loans | 0.3510% | 451 |
| Credit loss provision to net charge-offs | 64.0000% | 2,403 |
| Earnings coverage of net charge-offs (x) | 7.8080% | 2,524 |
| Efficiency ratio | 71.4202% | 2,098 |
| Assets per employee ($millions) | 4.1874% | 3,598 |
| Cash dividends to net income (ytd only)* | 120.5357% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 977 |
| Loan loss allowance to noncurrent loans | 109.6863% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 2,013 |
| Noncurrent loans to loans | 1.5129% | 1,107 |
| Net loans and leases to total assets | 45.4784% | 4,853 |
| Net loans and leases to deposits | 50.4482% | 4,968 |
| Net loans and leases to core deposits | 51.7050% | 5,002 |
| Total domestic deposits to total assets | 90.1486% | 524 |
| Equity capital to assets | 9.5131% | 4,085 |
| Core capital (leverage) ratio | 8.2140% | 5,253 |
| Tier 1 risk-based capital ratio | 12.6179% | 4,115 |
| Total risk-based capital ratio | 13.7906% | 4,052 |
| Memoranda: | ||
| Average total assets | $154,268,330 | 3,391 |
| Average earning assets | $142,752,330 | 3,381 |
| Average equity | $14,795,000 | 3,705 |
| Average total loans | $71,217,670 | 3,906 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,521 |
| Cost of funding earning assets | 0.2054% | 4,983 |
| Net interest margin | 3.8206% | 2,335 |
| Noninterest income to average assets | 0.8367% | 1,342 |
| Noninterest expense to average assets | 3.0974% | 1,833 |
| Loan and lease loss provision to assets | 0.1559% | 1,161 |
| Net operating income to assets | 1.1122% | 2,368 |
| Return on assets (ROA) | 1.1122% | 2,389 |
| Pretax return on assets | 1.1122% | 3,129 |
| Return on Equity (ROE) | 11.5496% | 1,745 |
| Retained earnings to average equity (ytd only) | -17.5943% | 5,481 |
| Net charge-offs to loans | 0.0563% | 1,545 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 48.8000% | 959 |
| Efficiency ratio | 70.9524% | 2,352 |
| Assets per employee ($millions) | 3.8715% | 4,189 |
| Cash dividends to net income (ytd only)* | 252.3364% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 822 |
| Loan loss allowance to noncurrent loans | 95.9641% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 1,832 |
| Noncurrent loans to loans | 1.8519% | 891 |
| Net loans and leases to total assets | 45.8266% | 4,801 |
| Net loans and leases to deposits | 50.6766% | 4,935 |
| Net loans and leases to core deposits | 51.8461% | 4,986 |
| Total domestic deposits to total assets | 90.4294% | 491 |
| Equity capital to assets | 9.2522% | 4,314 |
| Core capital (leverage) ratio | 8.1906% | 5,320 |
| Tier 1 risk-based capital ratio | 11.8526% | 4,649 |
| Total risk-based capital ratio | 13.0873% | 4,546 |
| Memoranda: | ||
| Average total assets | $153,936,000 | 3,425 |
| Average earning assets | $142,178,000 | 3,421 |
| Average equity | $14,823,000 | 3,733 |
| Average total loans | $71,001,500 | 3,949 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 3,513 |
| Cost of funding earning assets | 0.1962% | 4,977 |
| Net interest margin | 3.7710% | 2,533 |
| Noninterest income to average assets | 0.8235% | 1,486 |
| Noninterest expense to average assets | 3.1696% | 1,681 |
| Loan and lease loss provision to assets | 0.2309% | 843 |
| Net operating income to assets | 0.8932% | 2,753 |
| Return on assets (ROA) | 0.8861% | 2,811 |
| Pretax return on assets | 0.8861% | 3,959 |
| Return on Equity (ROE) | 8.8772% | 2,367 |
| Retained earnings to average equity (ytd only) | 2.6102% | 3,759 |
| Net charge-offs to loans | 0.0207% | 3,418 |
| Credit loss provision to net charge-offs | 2,557.1429% | 152 |
| Earnings coverage of net charge-offs (x) | 124.5000% | 545 |
| Efficiency ratio | 73.8210% | 1,919 |
| Assets per employee ($millions) | 3.6431% | 4,514 |
| Cash dividends to net income (ytd only)* | 70.5968% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 828 |
| Loan loss allowance to noncurrent loans | 93.6978% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 1,812 |
| Noncurrent loans to loans | 1.8881% | 830 |
| Net loans and leases to total assets | 44.7795% | 4,943 |
| Net loans and leases to deposits | 49.9716% | 5,060 |
| Net loans and leases to core deposits | 51.1470% | 5,095 |
| Total domestic deposits to total assets | 89.6100% | 728 |
| Equity capital to assets | 10.0110% | 3,694 |
| Core capital (leverage) ratio | 8.6639% | 4,983 |
| Tier 1 risk-based capital ratio | 12.6889% | 4,097 |
| Total risk-based capital ratio | 13.8955% | 4,011 |
| Memoranda: | ||
| Average total assets | $155,066,400 | 3,415 |
| Average earning assets | $142,694,200 | 3,415 |
| Average equity | $15,477,800 | 3,659 |
| Average total loans | $67,711,600 | 4,014 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 3,515 |
| Cost of funding earning assets | 0.1879% | 5,071 |
| Net interest margin | 3.7642% | 2,526 |
| Noninterest income to average assets | 0.8133% | 1,538 |
| Noninterest expense to average assets | 3.1829% | 1,596 |
| Loan and lease loss provision to assets | 0.2725% | 600 |
| Net operating income to assets | 0.8261% | 3,408 |
| Return on assets (ROA) | 0.8167% | 3,496 |
| Pretax return on assets | 0.8167% | 4,308 |
| Return on Equity (ROE) | 8.1882% | 3,027 |
| Retained earnings to average equity (ytd only) | 1.7442% | 4,727 |
| Net charge-offs to loans | 0.0020% | 3,701 |
| Credit loss provision to net charge-offs | 31,800.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,285.1805% | 76 |
| Efficiency ratio | 74.3395% | 1,843 |
| Assets per employee ($millions) | 3.3557% | 4,908 |
| Cash dividends to net income (ytd only)* | 78.6995% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 977 |
| Loan loss allowance to noncurrent loans | 75.2025% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0398% | 1,624 |
| Noncurrent loans to loans | 2.3013% | 690 |
| Net loans and leases to total assets | 44.3995% | 5,007 |
| Net loans and leases to deposits | 49.6573% | 5,140 |
| Net loans and leases to core deposits | 50.8152% | 5,172 |
| Total domestic deposits to total assets | 89.4118% | 695 |
| Equity capital to assets | 10.2028% | 3,691 |
| Core capital (leverage) ratio | 8.3798% | 5,329 |
| Tier 1 risk-based capital ratio | 12.4950% | 4,317 |
| Total risk-based capital ratio | 13.6754% | 4,271 |
| Memoranda: | ||
| Average total assets | $155,580,000 | 3,437 |
| Average earning assets | $143,347,000 | 3,435 |
| Average equity | $15,517,750 | 3,688 |
| Average total loans | $67,201,500 | 4,058 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,448 |
| Cost of funding earning assets | 0.1731% | 5,185 |
| Net interest margin | 3.7571% | 2,448 |
| Noninterest income to average assets | 0.7847% | 1,626 |
| Noninterest expense to average assets | 3.1413% | 1,726 |
| Loan and lease loss provision to assets | 0.1539% | 1,307 |
| Net operating income to assets | 0.9411% | 2,715 |
| Return on assets (ROA) | 0.9373% | 2,791 |
| Pretax return on assets | 0.9373% | 3,804 |
| Return on Equity (ROE) | 9.4685% | 2,289 |
| Retained earnings to average equity (ytd only) | 2.6035% | 4,141 |
| Net charge-offs to loans | 0.0301% | 2,605 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 85.4000% | 730 |
| Efficiency ratio | 74.1525% | 1,981 |
| Assets per employee ($millions) | 3.4492% | 4,797 |
| Cash dividends to net income (ytd only)* | 72.5034% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,780 |
| Loan loss allowance to noncurrent loans | 218.3406% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 3,953 |
| Noncurrent loans to loans | 0.6596% | 2,769 |
| Net loans and leases to total assets | 44.0888% | 5,037 |
| Net loans and leases to deposits | 49.2558% | 5,168 |
| Net loans and leases to core deposits | 50.1866% | 5,217 |
| Total domestic deposits to total assets | 89.5100% | 724 |
| Equity capital to assets | 10.1673% | 3,716 |
| Core capital (leverage) ratio | 8.4515% | 5,256 |
| Tier 1 risk-based capital ratio | 12.2434% | 4,466 |
| Total risk-based capital ratio | 13.2019% | 4,553 |
| Memoranda: | ||
| Average total assets | $155,986,670 | 3,441 |
| Average earning assets | $143,303,330 | 3,447 |
| Average equity | $15,440,670 | 3,709 |
| Average total loans | $66,354,670 | 4,095 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 3,672 |
| Cost of funding earning assets | 0.1772% | 5,177 |
| Net interest margin | 3.6482% | 2,702 |
| Noninterest income to average assets | 0.8160% | 1,496 |
| Noninterest expense to average assets | 3.0747% | 1,935 |
| Loan and lease loss provision to assets | 0.1535% | 1,200 |
| Net operating income to assets | 0.9592% | 2,482 |
| Return on assets (ROA) | 0.9592% | 2,541 |
| Pretax return on assets | 0.9592% | 3,549 |
| Return on Equity (ROE) | 9.8229% | 2,042 |
| Retained earnings to average equity (ytd only) | 1.7026% | 4,427 |
| Net charge-offs to loans | 0.0123% | 2,567 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 217.5000% | 257 |
| Efficiency ratio | 73.4270% | 2,335 |
| Assets per employee ($millions) | 3.3987% | 4,927 |
| Cash dividends to net income (ytd only)* | 82.6667% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 2,029 |
| Loan loss allowance to noncurrent loans | 206.0870% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 4,022 |
| Noncurrent loans to loans | 0.6850% | 2,794 |
| Net loans and leases to total assets | 42.3456% | 5,138 |
| Net loans and leases to deposits | 47.1579% | 5,258 |
| Net loans and leases to core deposits | 47.9524% | 5,301 |
| Total domestic deposits to total assets | 89.7954% | 752 |
| Equity capital to assets | 9.8809% | 3,897 |
| Core capital (leverage) ratio | 8.1367% | 5,486 |
| Tier 1 risk-based capital ratio | 11.6441% | 4,947 |
| Total risk-based capital ratio | 12.5175% | 5,064 |
| Memoranda: | ||
| Average total assets | $156,373,000 | 3,467 |
| Average earning assets | $144,508,500 | 3,467 |
| Average equity | $15,270,500 | 3,749 |
| Average total loans | $64,816,000 | 4,160 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6740% | 4,298 |
| Cost of funding earning assets | 0.1878% | 5,130 |
| Net interest margin | 3.4862% | 3,489 |
| Noninterest income to average assets | 0.7863% | 1,802 |
| Noninterest expense to average assets | 3.1185% | 1,978 |
| Loan and lease loss provision to assets | 0.0854% | 2,649 |
| Net operating income to assets | 0.8109% | 3,256 |
| Return on assets (ROA) | 0.8147% | 3,348 |
| Pretax return on assets | 0.8147% | 4,145 |
| Return on Equity (ROE) | 7.9547% | 2,964 |
| Retained earnings to average equity (ytd only) | -4.1503% | 5,643 |
| Net charge-offs to loans | 0.2213% | 1,249 |
| Credit loss provision to net charge-offs | 101.5038% | 2,534 |
| Earnings coverage of net charge-offs (x) | 10.6541% | 2,621 |
| Efficiency ratio | 77.6745% | 1,743 |
| Assets per employee ($millions) | 3.1281% | 5,239 |
| Cash dividends to net income (ytd only)* | 152.1739% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,985 |
| Loan loss allowance to noncurrent loans | 193.0586% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 4,096 |
| Noncurrent loans to loans | 0.7378% | 2,684 |
| Net loans and leases to total assets | 39.3788% | 5,343 |
| Net loans and leases to deposits | 43.7606% | 5,441 |
| Net loans and leases to core deposits | 44.4934% | 5,475 |
| Total domestic deposits to total assets | 89.9868% | 632 |
| Equity capital to assets | 9.6500% | 4,117 |
| Core capital (leverage) ratio | 8.1871% | 5,511 |
| Tier 1 risk-based capital ratio | 12.1406% | 4,628 |
| Total risk-based capital ratio | 12.9999% | 4,798 |
| Memoranda: | ||
| Average total assets | $158,089,200 | 3,417 |
| Average earning assets | $146,407,800 | 3,413 |
| Average equity | $16,191,600 | 3,665 |
| Average total loans | $60,106,000 | 4,294 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 4,455 |
| Cost of funding earning assets | 0.1917% | 5,157 |
| Net interest margin | 3.4417% | 3,698 |
| Noninterest income to average assets | 0.7789% | 1,846 |
| Noninterest expense to average assets | 3.0794% | 2,082 |
| Loan and lease loss provision to assets | 0.1119% | 2,061 |
| Net operating income to assets | 0.7747% | 3,487 |
| Return on assets (ROA) | 0.7797% | 3,601 |
| Pretax return on assets | 0.7797% | 4,371 |
| Return on Equity (ROE) | 7.5061% | 3,292 |
| Retained earnings to average equity (ytd only) | -3.6680% | 5,684 |
| Net charge-offs to loans | -0.0583% | 5,412 |
| Credit loss provision to net charge-offs | -511.5385% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6458% | 1,740 |
| Assets per employee ($millions) | 3.3475% | 4,984 |
| Cash dividends to net income (ytd only)* | 148.8669% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 1,152 |
| Loan loss allowance to noncurrent loans | 149.5714% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 3,643 |
| Noncurrent loans to loans | 1.1542% | 1,942 |
| Net loans and leases to total assets | 37.8827% | 5,472 |
| Net loans and leases to deposits | 42.4404% | 5,569 |
| Net loans and leases to core deposits | 43.1508% | 5,606 |
| Total domestic deposits to total assets | 89.2610% | 771 |
| Equity capital to assets | 10.4250% | 3,642 |
| Core capital (leverage) ratio | 8.3493% | 5,469 |
| Tier 1 risk-based capital ratio | 12.2657% | 4,630 |
| Total risk-based capital ratio | 13.2696% | 4,677 |
| Memoranda: | ||
| Average total assets | $158,510,500 | 3,423 |
| Average earning assets | $146,785,250 | 3,422 |
| Average equity | $16,466,250 | 3,664 |
| Average total loans | $59,512,500 | 4,343 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5520% | 4,735 |
| Cost of funding earning assets | 0.1945% | 5,197 |
| Net interest margin | 3.3574% | 4,033 |
| Noninterest income to average assets | 0.7527% | 1,921 |
| Noninterest expense to average assets | 3.0711% | 2,137 |
| Loan and lease loss provision to assets | 0.0755% | 2,624 |
| Net operating income to assets | 0.7124% | 3,734 |
| Return on assets (ROA) | 0.7199% | 3,855 |
| Pretax return on assets | 0.7199% | 4,558 |
| Return on Equity (ROE) | 6.9385% | 3,581 |
| Retained earnings to average equity (ytd only) | -4.5852% | 5,733 |
| Net charge-offs to loans | -0.0981% | 5,608 |
| Credit loss provision to net charge-offs | -206.8966% | 4,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5825% | 1,549 |
| Assets per employee ($millions) | 3.2970% | 5,071 |
| Cash dividends to net income (ytd only)* | 166.0839% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,559 |
| Loan loss allowance to noncurrent loans | 142.2125% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 3,734 |
| Noncurrent loans to loans | 1.1173% | 2,059 |
| Net loans and leases to total assets | 39.0489% | 5,467 |
| Net loans and leases to deposits | 43.9037% | 5,568 |
| Net loans and leases to core deposits | 44.7175% | 5,606 |
| Total domestic deposits to total assets | 88.9421% | 945 |
| Equity capital to assets | 10.8346% | 3,251 |
| Core capital (leverage) ratio | 8.3822% | 5,460 |
| Tier 1 risk-based capital ratio | 12.2126% | 4,695 |
| Total risk-based capital ratio | 13.1398% | 4,800 |
| Memoranda: | ||
| Average total assets | $158,903,000 | 3,446 |
| Average earning assets | $147,017,670 | 3,445 |
| Average equity | $16,487,670 | 3,663 |
| Average total loans | $59,133,670 | 4,378 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4920% | 4,907 |
| Cost of funding earning assets | 0.1961% | 5,239 |
| Net interest margin | 3.2959% | 4,239 |
| Noninterest income to average assets | 0.7186% | 1,947 |
| Noninterest expense to average assets | 3.0234% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7459% | 3,507 |
| Return on assets (ROA) | 0.7459% | 3,611 |
| Pretax return on assets | 0.7459% | 4,376 |
| Return on Equity (ROE) | 7.3453% | 3,266 |
| Retained earnings to average equity (ytd only) | -8.5695% | 5,770 |
| Net charge-offs to loans | -0.1518% | 5,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2111% | 1,582 |
| Assets per employee ($millions) | 3.5565% | 4,732 |
| Cash dividends to net income (ytd only)* | 216.6667% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,779 |
| Loan loss allowance to noncurrent loans | 179.8419% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 4,300 |
| Noncurrent loans to loans | 0.8634% | 2,685 |
| Net loans and leases to total assets | 36.0493% | 5,637 |
| Net loans and leases to deposits | 40.2262% | 5,710 |
| Net loans and leases to core deposits | 41.1028% | 5,746 |
| Total domestic deposits to total assets | 89.6165% | 771 |
| Equity capital to assets | 10.1929% | 3,850 |
| Core capital (leverage) ratio | 8.1796% | 5,662 |
| Tier 1 risk-based capital ratio | 12.4564% | 4,612 |
| Total risk-based capital ratio | 13.3355% | 4,772 |
| Memoranda: | ||
| Average total assets | $160,876,000 | 3,434 |
| Average earning assets | $148,912,000 | 3,434 |
| Average equity | $16,337,000 | 3,690 |
| Average total loans | $57,957,500 | 4,444 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3645% | 5,236 |
| Cost of funding earning assets | 0.2418% | 4,868 |
| Net interest margin | 3.1226% | 4,850 |
| Noninterest income to average assets | 0.6873% | 2,263 |
| Noninterest expense to average assets | 3.0128% | 2,497 |
| Loan and lease loss provision to assets | 0.0727% | 2,816 |
| Net operating income to assets | 0.4964% | 4,704 |
| Return on assets (ROA) | 0.4945% | 4,807 |
| Pretax return on assets | 0.4945% | 5,127 |
| Return on Equity (ROE) | 4.9403% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.7714% | 3,358 |
| Net charge-offs to loans | -0.0553% | 5,583 |
| Credit loss provision to net charge-offs | -406.8966% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1128% | 1,171 |
| Assets per employee ($millions) | 3.6752% | 4,518 |
| Cash dividends to net income (ytd only)* | 23.6613% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,802 |
| Loan loss allowance to noncurrent loans | 263.5015% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 4,765 |
| Noncurrent loans to loans | 0.5880% | 3,405 |
| Net loans and leases to total assets | 34.8915% | 5,742 |
| Net loans and leases to deposits | 38.9111% | 5,810 |
| Net loans and leases to core deposits | 39.9198% | 5,825 |
| Total domestic deposits to total assets | 89.6698% | 770 |
| Equity capital to assets | 10.1175% | 3,844 |
| Core capital (leverage) ratio | 8.3811% | 5,543 |
| Tier 1 risk-based capital ratio | 12.8035% | 4,452 |
| Total risk-based capital ratio | 13.6619% | 4,584 |
| Memoranda: | ||
| Average total assets | $162,374,600 | 3,400 |
| Average earning assets | $150,514,200 | 3,396 |
| Average equity | $16,254,000 | 3,638 |
| Average total loans | $52,409,800 | 4,597 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 5,350 |
| Cost of funding earning assets | 0.2501% | 4,878 |
| Net interest margin | 3.0858% | 4,996 |
| Noninterest income to average assets | 0.6144% | 2,662 |
| Noninterest expense to average assets | 3.0416% | 2,393 |
| Loan and lease loss provision to assets | 0.0976% | 2,221 |
| Net operating income to assets | 0.3396% | 5,346 |
| Return on assets (ROA) | 0.3355% | 5,436 |
| Pretax return on assets | 0.3355% | 5,586 |
| Return on Equity (ROE) | 3.3605% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.3605% | 4,080 |
| Net charge-offs to loans | -0.0469% | 5,524 |
| Credit loss provision to net charge-offs | -661.1111% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4322% | 899 |
| Assets per employee ($millions) | 3.5744% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 1,867 |
| Loan loss allowance to noncurrent loans | 247.3239% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 4,884 |
| Noncurrent loans to loans | 0.6368% | 3,410 |
| Net loans and leases to total assets | 34.1105% | 5,850 |
| Net loans and leases to deposits | 38.0929% | 5,924 |
| Net loans and leases to core deposits | 39.2669% | 5,938 |
| Total domestic deposits to total assets | 89.5454% | 755 |
| Equity capital to assets | 10.1866% | 3,953 |
| Core capital (leverage) ratio | 8.1106% | 5,834 |
| Tier 1 risk-based capital ratio | 12.5630% | 4,711 |
| Total risk-based capital ratio | 13.4089% | 4,893 |
| Memoranda: | ||
| Average total assets | $162,540,750 | 3,437 |
| Average earning assets | $150,880,750 | 3,417 |
| Average equity | $16,227,250 | 3,673 |
| Average total loans | $51,184,500 | 4,677 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 5,473 |
| Cost of funding earning assets | 0.2618% | 4,812 |
| Net interest margin | 3.0195% | 5,178 |
| Noninterest income to average assets | 0.5395% | 3,113 |
| Noninterest expense to average assets | 3.0508% | 2,399 |
| Loan and lease loss provision to assets | 0.1447% | 1,488 |
| Net operating income to assets | 0.1447% | 5,822 |
| Return on assets (ROA) | 0.1386% | 5,869 |
| Pretax return on assets | 0.1386% | 5,894 |
| Return on Equity (ROE) | 1.3972% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.3972% | 4,990 |
| Net charge-offs to loans | -0.0403% | 5,451 |
| Credit loss provision to net charge-offs | -1,180.0000% | 5,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3363% | 668 |
| Assets per employee ($millions) | 3.6423% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,831 |
| Loan loss allowance to noncurrent loans | 232.3529% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 4,910 |
| Noncurrent loans to loans | 0.6993% | 3,392 |
| Net loans and leases to total assets | 32.1011% | 5,971 |
| Net loans and leases to deposits | 35.6598% | 6,042 |
| Net loans and leases to core deposits | 36.8749% | 6,051 |
| Total domestic deposits to total assets | 90.0204% | 658 |
| Equity capital to assets | 9.7362% | 4,363 |
| Core capital (leverage) ratio | 7.9674% | 5,947 |
| Tier 1 risk-based capital ratio | 12.6479% | 4,714 |
| Total risk-based capital ratio | 13.5102% | 4,863 |
| Memoranda: | ||
| Average total assets | $163,107,330 | 3,450 |
| Average earning assets | $151,283,330 | 3,430 |
| Average equity | $16,174,670 | 3,698 |
| Average total loans | $49,664,670 | 4,761 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2789% | 5,494 |
| Cost of funding earning assets | 0.2697% | 4,791 |
| Net interest margin | 3.0092% | 5,193 |
| Noninterest income to average assets | 0.5236% | 3,133 |
| Noninterest expense to average assets | 2.9033% | 2,895 |
| Loan and lease loss provision to assets | 0.1377% | 1,494 |
| Net operating income to assets | 0.2803% | 5,478 |
| Return on assets (ROA) | 0.2680% | 5,605 |
| Pretax return on assets | 0.2680% | 5,718 |
| Return on Equity (ROE) | 2.6776% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.6776% | 4,343 |
| Net charge-offs to loans | -0.0419% | 5,433 |
| Credit loss provision to net charge-offs | -1,120.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4167% | 1,063 |
| Assets per employee ($millions) | 3.6904% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 1,938 |
| Loan loss allowance to noncurrent loans | 207.7720% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 4,948 |
| Noncurrent loans to loans | 0.7862% | 3,291 |
| Net loans and leases to total assets | 29.0819% | 6,107 |
| Net loans and leases to deposits | 32.3615% | 6,152 |
| Net loans and leases to core deposits | 33.5645% | 6,149 |
| Total domestic deposits to total assets | 89.8657% | 804 |
| Equity capital to assets | 9.9718% | 4,179 |
| Core capital (leverage) ratio | 7.9269% | 5,983 |
| Tier 1 risk-based capital ratio | 13.0620% | 4,567 |
| Total risk-based capital ratio | 13.8842% | 4,738 |
| Memoranda: | ||
| Average total assets | $162,709,000 | 3,475 |
| Average earning assets | $151,270,000 | 3,445 |
| Average equity | $16,283,000 | 3,700 |
| Average total loans | $47,755,000 | 4,859 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1885% | 5,848 |
| Cost of funding earning assets | 0.2849% | 4,955 |
| Net interest margin | 2.9036% | 5,638 |
| Noninterest income to average assets | 0.7403% | 2,124 |
| Noninterest expense to average assets | 3.0583% | 2,659 |
| Loan and lease loss provision to assets | 0.0180% | 4,253 |
| Net operating income to assets | 0.3795% | 5,292 |
| Return on assets (ROA) | 0.3817% | 5,351 |
| Pretax return on assets | 0.3817% | 5,531 |
| Return on Equity (ROE) | 3.5390% | 5,281 |
| Retained earnings to average equity (ytd only) | -1.4690% | 5,965 |
| Net charge-offs to loans | 0.2801% | 1,547 |
| Credit loss provision to net charge-offs | 28.7356% | 3,852 |
| Earnings coverage of net charge-offs (x) | 6.3448% | 3,220 |
| Efficiency ratio | 87.0598% | 1,070 |
| Assets per employee ($millions) | 3.5411% | 4,838 |
| Cash dividends to net income (ytd only)* | 141.5094% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 2,107 |
| Loan loss allowance to noncurrent loans | 322.1739% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 5,372 |
| Noncurrent loans to loans | 0.4956% | 4,172 |
| Net loans and leases to total assets | 28.6610% | 6,218 |
| Net loans and leases to deposits | 31.9628% | 6,262 |
| Net loans and leases to core deposits | 33.2025% | 6,257 |
| Total domestic deposits to total assets | 89.6698% | 887 |
| Equity capital to assets | 10.0446% | 4,054 |
| Core capital (leverage) ratio | 7.9457% | 6,032 |
| Tier 1 risk-based capital ratio | 13.4935% | 4,419 |
| Total risk-based capital ratio | 14.2903% | 4,615 |
| Memoranda: | ||
| Average total assets | $138,868,400 | 3,824 |
| Average earning assets | $129,872,200 | 3,778 |
| Average equity | $14,975,800 | 3,841 |
| Average total loans | $31,056,800 | 5,526 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1091% | 6,020 |
| Cost of funding earning assets | 0.2789% | 5,106 |
| Net interest margin | 2.8303% | 5,830 |
| Noninterest income to average assets | 0.7766% | 1,982 |
| Noninterest expense to average assets | 3.0983% | 2,474 |
| Loan and lease loss provision to assets | 0.0100% | 4,225 |
| Net operating income to assets | 0.3090% | 5,553 |
| Return on assets (ROA) | 0.3090% | 5,628 |
| Pretax return on assets | 0.3090% | 5,757 |
| Return on Equity (ROE) | 2.8082% | 5,612 |
| Retained earnings to average equity (ytd only) | -3.9859% | 6,205 |
| Net charge-offs to loans | 0.0245% | 4,019 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 63.9670% | 826 |
| Efficiency ratio | 88.6523% | 945 |
| Assets per employee ($millions) | 3.4346% | 4,988 |
| Cash dividends to net income (ytd only)* | 241.9384% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 1,826 |
| Loan loss allowance to noncurrent loans | 151.0280% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 4,866 |
| Noncurrent loans to loans | 1.1587% | 2,744 |
| Net loans and leases to total assets | 28.1031% | 6,316 |
| Net loans and leases to deposits | 31.3650% | 6,352 |
| Net loans and leases to core deposits | 32.4636% | 6,353 |
| Total domestic deposits to total assets | 89.6003% | 930 |
| Equity capital to assets | 10.1067% | 4,041 |
| Core capital (leverage) ratio | 8.0631% | 6,022 |
| Tier 1 risk-based capital ratio | 14.0277% | 4,192 |
| Total risk-based capital ratio | 14.9437% | 4,359 |
| Memoranda: | ||
| Average total assets | $133,748,250 | 3,943 |
| Average earning assets | $124,790,500 | 3,899 |
| Average equity | $14,718,250 | 3,907 |
| Average total loans | $27,218,000 | 5,741 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0153% | 6,158 |
| Cost of funding earning assets | 0.2626% | 5,363 |
| Net interest margin | 2.7526% | 5,983 |
| Noninterest income to average assets | 0.8015% | 1,834 |
| Noninterest expense to average assets | 2.8011% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5589% | 4,549 |
| Return on assets (ROA) | 0.5589% | 4,654 |
| Pretax return on assets | 0.5589% | 5,101 |
| Return on Equity (ROE) | 4.9062% | 4,721 |
| Retained earnings to average equity (ytd only) | -5.6676% | 6,275 |
| Net charge-offs to loans | 0.0670% | 3,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 49.7143% | 914 |
| Efficiency ratio | 80.0669% | 2,017 |
| Assets per employee ($millions) | 4.0226% | 3,791 |
| Cash dividends to net income (ytd only)* | 215.5172% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6733% | 218 |
| Loan loss allowance to noncurrent loans | 144.7273% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 4,639 |
| Noncurrent loans to loans | 2.5381% | 1,221 |
| Net loans and leases to total assets | 16.2162% | 6,555 |
| Net loans and leases to deposits | 18.3219% | 6,564 |
| Net loans and leases to core deposits | 18.8030% | 6,560 |
| Total domestic deposits to total assets | 88.5071% | 1,632 |
| Equity capital to assets | 11.1992% | 2,697 |
| Core capital (leverage) ratio | 8.6038% | 5,525 |
| Tier 1 risk-based capital ratio | 16.3312% | 2,916 |
| Total risk-based capital ratio | 17.6175% | 2,850 |
| Memoranda: | ||
| Average total assets | $124,522,000 | 4,146 |
| Average earning assets | $115,744,000 | 4,114 |
| Average equity | $14,186,000 | 4,015 |
| Average total loans | $20,899,330 | 6,033 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1300% | 6,086 |
| Cost of funding earning assets | 0.2711% | 5,375 |
| Net interest margin | 2.8589% | 5,831 |
| Noninterest income to average assets | 0.8038% | 1,733 |
| Noninterest expense to average assets | 2.7512% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7058% | 3,656 |
| Return on assets (ROA) | 0.7058% | 3,733 |
| Pretax return on assets | 0.7058% | 4,472 |
| Return on Equity (ROE) | 6.1403% | 3,943 |
| Retained earnings to average equity (ytd only) | -15.1802% | 6,471 |
| Net charge-offs to loans | 0.0780% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 711 |
| Efficiency ratio | 74.0076% | 3,144 |
| Assets per employee ($millions) | 3.9035% | 4,137 |
| Cash dividends to net income (ytd only)* | 347.2222% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0145% | 184 |
| Loan loss allowance to noncurrent loans | 142.6786% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 4,703 |
| Noncurrent loans to loans | 2.8136% | 1,176 |
| Net loans and leases to total assets | 15.2938% | 6,631 |
| Net loans and leases to deposits | 17.2615% | 6,639 |
| Net loans and leases to core deposits | 17.7248% | 6,634 |
| Total domestic deposits to total assets | 88.6009% | 1,891 |
| Equity capital to assets | 11.1349% | 2,588 |
| Core capital (leverage) ratio | 8.6756% | 5,420 |
| Tier 1 risk-based capital ratio | 15.9182% | 3,208 |
| Total risk-based capital ratio | 17.1706% | 3,162 |
| Memoranda: | ||
| Average total assets | $122,421,500 | 4,225 |
| Average earning assets | $113,610,000 | 4,189 |
| Average equity | $14,071,000 | 4,034 |
| Average total loans | $20,514,000 | 6,115 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3096% | 5,991 |
| Cost of funding earning assets | 0.2862% | 5,702 |
| Net interest margin | 3.0235% | 5,523 |
| Noninterest income to average assets | 0.5623% | 3,314 |
| Noninterest expense to average assets | 2.4521% | 4,922 |
| Loan and lease loss provision to assets | -0.3900% | 6,712 |
| Net operating income to assets | 1.3017% | 1,245 |
| Return on assets (ROA) | 1.1738% | 1,726 |
| Pretax return on assets | 1.1738% | 2,677 |
| Return on Equity (ROE) | 10.2483% | 2,012 |
| Retained earnings to average equity (ytd only) | 3.4388% | 3,787 |
| Net charge-offs to loans | 0.0098% | 5,254 |
| Credit loss provision to net charge-offs | -25,000.0000% | 6,427 |
| Earnings coverage of net charge-offs (x) | 584.5000% | 63 |
| Efficiency ratio | 67.4241% | 4,301 |
| Assets per employee ($millions) | 3.9977% | 3,871 |
| Cash dividends to net income (ytd only)* | 66.4452% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8012% | 228 |
| Loan loss allowance to noncurrent loans | 153.5373% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 4,831 |
| Noncurrent loans to loans | 2.4757% | 1,536 |
| Net loans and leases to total assets | 16.9449% | 6,704 |
| Net loans and leases to deposits | 19.3140% | 6,713 |
| Net loans and leases to core deposits | 19.8573% | 6,704 |
| Total domestic deposits to total assets | 87.7337% | 2,346 |
| Equity capital to assets | 11.8678% | 1,891 |
| Core capital (leverage) ratio | 8.9548% | 5,069 |
| Tier 1 risk-based capital ratio | 16.5001% | 2,855 |
| Total risk-based capital ratio | 17.7366% | 2,823 |
| Memoranda: | ||
| Average total assets | $128,214,200 | 4,106 |
| Average earning assets | $118,804,400 | 4,066 |
| Average equity | $14,685,400 | 3,925 |
| Average total loans | $20,475,000 | 6,178 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3099% | 6,049 |
| Cost of funding earning assets | 0.2896% | 5,817 |
| Net interest margin | 3.0203% | 5,543 |
| Noninterest income to average assets | 0.4646% | 4,042 |
| Noninterest expense to average assets | 2.3630% | 5,143 |
| Loan and lease loss provision to assets | -0.5117% | 6,832 |
| Net operating income to assets | 1.4092% | 1,085 |
| Return on assets (ROA) | 1.2413% | 1,582 |
| Pretax return on assets | 1.2413% | 2,544 |
| Return on Equity (ROE) | 10.9287% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.1986% | 2,934 |
| Net charge-offs to loans | 0.0065% | 5,040 |
| Credit loss provision to net charge-offs | -50,000.0000% | 6,413 |
| Earnings coverage of net charge-offs (x) | 879.1729% | 55 |
| Efficiency ratio | 66.9178% | 4,319 |
| Assets per employee ($millions) | 4.2482% | 3,331 |
| Cash dividends to net income (ytd only)* | 52.4322% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9179% | 256 |
| Loan loss allowance to noncurrent loans | 151.4124% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 5,083 |
| Noncurrent loans to loans | 2.5876% | 1,649 |
| Net loans and leases to total assets | 15.4709% | 6,798 |
| Net loans and leases to deposits | 17.5230% | 6,806 |
| Net loans and leases to core deposits | 17.9824% | 6,800 |
| Total domestic deposits to total assets | 88.2892% | 1,946 |
| Equity capital to assets | 11.3938% | 2,388 |
| Core capital (leverage) ratio | 8.6466% | 5,606 |
| Tier 1 risk-based capital ratio | 16.1711% | 3,095 |
| Total risk-based capital ratio | 17.4039% | 3,064 |
| Memoranda: | ||
| Average total assets | $130,285,250 | 4,106 |
| Average earning assets | $120,604,750 | 4,089 |
| Average equity | $14,798,500 | 3,954 |
| Average total loans | $20,312,500 | 6,248 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4022% | 5,900 |
| Cost of funding earning assets | 0.2886% | 5,915 |
| Net interest margin | 3.1136% | 5,235 |
| Noninterest income to average assets | 0.2454% | 5,697 |
| Noninterest expense to average assets | 2.3272% | 5,286 |
| Loan and lease loss provision to assets | -0.7620% | 6,904 |
| Net operating income to assets | 1.5576% | 808 |
| Return on assets (ROA) | 1.5789% | 845 |
| Pretax return on assets | 1.5789% | 1,428 |
| Return on Equity (ROE) | 13.9144% | 1,026 |
| Retained earnings to average equity (ytd only) | 10.0732% | 828 |
| Net charge-offs to loans | 0.0099% | 4,685 |
| Credit loss provision to net charge-offs | -50,000.0000% | 6,309 |
| Earnings coverage of net charge-offs (x) | 522.0000% | 84 |
| Efficiency ratio | 68.7653% | 4,046 |
| Assets per employee ($millions) | 4.3854% | 3,019 |
| Cash dividends to net income (ytd only)* | 27.6062% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9512% | 265 |
| Loan loss allowance to noncurrent loans | 144.6043% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 5,099 |
| Noncurrent loans to loans | 2.7325% | 1,667 |
| Net loans and leases to total assets | 15.3676% | 6,845 |
| Net loans and leases to deposits | 17.3518% | 6,858 |
| Net loans and leases to core deposits | 17.8040% | 6,851 |
| Total domestic deposits to total assets | 88.5648% | 1,876 |
| Equity capital to assets | 11.1459% | 2,615 |
| Core capital (leverage) ratio | 8.5432% | 5,619 |
| Tier 1 risk-based capital ratio | 15.0876% | 3,719 |
| Total risk-based capital ratio | 16.2267% | 3,759 |
| Memoranda: | ||
| Average total assets | $131,231,670 | 4,116 |
| Average earning assets | $121,274,000 | 4,092 |
| Average equity | $14,891,000 | 3,964 |
| Average total loans | $20,243,000 | 6,290 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5724% | 5,524 |
| Cost of funding earning assets | 0.2963% | 5,994 |
| Net interest margin | 3.2761% | 4,607 |
| Noninterest income to average assets | 0.8495% | 1,930 |
| Noninterest expense to average assets | 2.4464% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4228% | 992 |
| Return on assets (ROA) | 1.4228% | 1,077 |
| Pretax return on assets | 1.4228% | 1,793 |
| Return on Equity (ROE) | 12.4336% | 1,312 |
| Retained earnings to average equity (ytd only) | 8.6301% | 1,512 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6501% | 5,764 |
| Assets per employee ($millions) | 4.7820% | 2,522 |
| Cash dividends to net income (ytd only)* | 30.5907% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5591% | 52 |
| Loan loss allowance to noncurrent loans | 228.5464% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 5,237 |
| Noncurrent loans to loans | 2.8699% | 1,766 |
| Net loans and leases to total assets | 13.8847% | 6,928 |
| Net loans and leases to deposits | 15.7284% | 6,939 |
| Net loans and leases to core deposits | 16.1717% | 6,933 |
| Total domestic deposits to total assets | 88.2775% | 2,144 |
| Equity capital to assets | 11.4970% | 2,414 |
| Core capital (leverage) ratio | 8.0538% | 6,091 |
| Tier 1 risk-based capital ratio | 14.1353% | 4,403 |
| Total risk-based capital ratio | 15.3998% | 4,358 |
| Memoranda: | ||
| Average total assets | $133,259,000 | 4,118 |
| Average earning assets | $122,829,000 | 4,096 |
| Average equity | $15,249,000 | 3,946 |
| Average total loans | $20,190,500 | 6,347 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4201% | 6,459 |
| Cost of funding earning assets | 0.3623% | 6,147 |
| Net interest margin | 3.0579% | 5,911 |
| Noninterest income to average assets | 0.8625% | 1,987 |
| Noninterest expense to average assets | 2.4593% | 5,225 |
| Loan and lease loss provision to assets | 0.0352% | 5,449 |
| Net operating income to assets | 1.1640% | 1,718 |
| Return on assets (ROA) | 1.1718% | 1,857 |
| Pretax return on assets | 1.1718% | 2,901 |
| Return on Equity (ROE) | 9.8460% | 2,236 |
| Retained earnings to average equity (ytd only) | 0.4529% | 5,627 |
| Net charge-offs to loans | 0.0489% | 5,230 |
| Credit loss provision to net charge-offs | 450.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 153.5000% | 273 |
| Efficiency ratio | 62.1824% | 5,206 |
| Assets per employee ($millions) | 4.2781% | 3,403 |
| Cash dividends to net income (ytd only)* | 95.4000% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3705% | 58 |
| Loan loss allowance to noncurrent loans | 222.6962% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 5,288 |
| Noncurrent loans to loans | 2.8606% | 1,834 |
| Net loans and leases to total assets | 14.4622% | 6,984 |
| Net loans and leases to deposits | 16.3884% | 6,995 |
| Net loans and leases to core deposits | 16.8532% | 6,986 |
| Total domestic deposits to total assets | 88.2463% | 2,067 |
| Equity capital to assets | 11.3888% | 2,545 |
| Core capital (leverage) ratio | 8.0563% | 6,136 |
| Tier 1 risk-based capital ratio | 13.5549% | 4,713 |
| Total risk-based capital ratio | 14.8210% | 4,651 |
| Memoranda: | ||
| Average total assets | $128,002,800 | 4,189 |
| Average earning assets | $117,042,200 | 4,185 |
| Average equity | $15,234,600 | 3,907 |
| Average total loans | $20,452,800 | 6,402 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4858% | 6,522 |
| Cost of funding earning assets | 0.3799% | 6,231 |
| Net interest margin | 3.1059% | 5,931 |
| Noninterest income to average assets | 0.8693% | 1,945 |
| Noninterest expense to average assets | 2.4039% | 5,387 |
| Loan and lease loss provision to assets | 0.0473% | 5,180 |
| Net operating income to assets | 1.2540% | 1,566 |
| Return on assets (ROA) | 1.2571% | 1,714 |
| Pretax return on assets | 1.2571% | 2,761 |
| Return on Equity (ROE) | 10.4448% | 2,154 |
| Retained earnings to average equity (ytd only) | 3.4059% | 4,468 |
| Net charge-offs to loans | -0.0391% | 6,643 |
| Credit loss provision to net charge-offs | -750.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8582% | 5,526 |
| Assets per employee ($millions) | 4.1241% | 3,640 |
| Cash dividends to net income (ytd only)* | 67.3912% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4853% | 52 |
| Loan loss allowance to noncurrent loans | 199.2459% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 5,290 |
| Noncurrent loans to loans | 3.2549% | 1,693 |
| Net loans and leases to total assets | 14.8989% | 7,079 |
| Net loans and leases to deposits | 17.0612% | 7,093 |
| Net loans and leases to core deposits | 17.5038% | 7,088 |
| Total domestic deposits to total assets | 87.3264% | 2,482 |
| Equity capital to assets | 12.3827% | 1,973 |
| Core capital (leverage) ratio | 8.4742% | 5,786 |
| Tier 1 risk-based capital ratio | 15.6087% | 3,472 |
| Total risk-based capital ratio | 16.8828% | 3,422 |
| Memoranda: | ||
| Average total assets | $126,848,000 | 4,256 |
| Average earning assets | $115,817,750 | 4,251 |
| Average equity | $15,267,250 | 3,942 |
| Average total loans | $20,444,750 | 6,490 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 6,524 |
| Cost of funding earning assets | 0.4052% | 6,236 |
| Net interest margin | 3.1607% | 5,841 |
| Noninterest income to average assets | 0.8647% | 1,911 |
| Noninterest expense to average assets | 2.4803% | 5,209 |
| Loan and lease loss provision to assets | 0.0474% | 5,083 |
| Net operating income to assets | 1.2346% | 1,599 |
| Return on assets (ROA) | 1.2267% | 1,813 |
| Pretax return on assets | 1.2267% | 2,816 |
| Return on Equity (ROE) | 10.2922% | 2,245 |
| Retained earnings to average equity (ytd only) | 3.6606% | 4,160 |
| Net charge-offs to loans | -0.0586% | 6,704 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9664% | 5,428 |
| Assets per employee ($millions) | 4.0716% | 3,718 |
| Cash dividends to net income (ytd only)* | 64.4330% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6127% | 59 |
| Loan loss allowance to noncurrent loans | 283.2972% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 5,784 |
| Noncurrent loans to loans | 2.3342% | 2,563 |
| Net loans and leases to total assets | 14.6126% | 7,148 |
| Net loans and leases to deposits | 16.7009% | 7,160 |
| Net loans and leases to core deposits | 17.0778% | 7,156 |
| Total domestic deposits to total assets | 87.4956% | 2,475 |
| Equity capital to assets | 12.2310% | 1,985 |
| Core capital (leverage) ratio | 8.2501% | 5,994 |
| Tier 1 risk-based capital ratio | 16.4689% | 2,940 |
| Total risk-based capital ratio | 17.7467% | 2,881 |
| Memoranda: | ||
| Average total assets | $126,514,670 | 4,281 |
| Average earning assets | $115,985,330 | 4,275 |
| Average equity | $15,079,330 | 3,972 |
| Average total loans | $20,470,000 | 6,542 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 6,652 |
| Cost of funding earning assets | 0.4256% | 6,279 |
| Net interest margin | 3.1096% | 6,013 |
| Noninterest income to average assets | 0.8179% | 2,074 |
| Noninterest expense to average assets | 2.3369% | 5,672 |
| Loan and lease loss provision to assets | 0.0474% | 4,811 |
| Net operating income to assets | 1.2948% | 1,471 |
| Return on assets (ROA) | 1.2948% | 1,641 |
| Pretax return on assets | 1.2948% | 2,558 |
| Return on Equity (ROE) | 11.0067% | 2,014 |
| Retained earnings to average equity (ytd only) | 4.2953% | 4,012 |
| Net charge-offs to loans | -0.0960% | 6,770 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4549% | 5,854 |
| Assets per employee ($millions) | 4.4825% | 3,027 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3960% | 62 |
| Loan loss allowance to noncurrent loans | 273.8854% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 5,882 |
| Noncurrent loans to loans | 2.3353% | 2,769 |
| Net loans and leases to total assets | 14.5232% | 7,206 |
| Net loans and leases to deposits | 16.4755% | 7,222 |
| Net loans and leases to core deposits | 16.8304% | 7,218 |
| Total domestic deposits to total assets | 88.1500% | 2,216 |
| Equity capital to assets | 11.5915% | 2,356 |
| Core capital (leverage) ratio | 8.0402% | 6,218 |
| Tier 1 risk-based capital ratio | 15.8036% | 3,278 |
| Total risk-based capital ratio | 17.0799% | 3,233 |
| Memoranda: | ||
| Average total assets | $126,662,000 | 4,306 |
| Average earning assets | $116,540,500 | 4,280 |
| Average equity | $14,900,000 | 4,009 |
| Average total loans | $20,830,000 | 6,574 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 6,768 |
| Cost of funding earning assets | 0.5657% | 6,259 |
| Net interest margin | 3.1958% | 6,106 |
| Noninterest income to average assets | 1.1390% | 1,011 |
| Noninterest expense to average assets | 2.6583% | 4,893 |
| Loan and lease loss provision to assets | 0.2028% | 4,156 |
| Net operating income to assets | 1.2041% | 1,504 |
| Return on assets (ROA) | 1.2041% | 1,611 |
| Pretax return on assets | 1.2041% | 2,445 |
| Return on Equity (ROE) | 10.3831% | 1,928 |
| Retained earnings to average equity (ytd only) | 3.0967% | 4,029 |
| Net charge-offs to loans | -0.0561% | 7,071 |
| Credit loss provision to net charge-offs | -1,846.1538% | 6,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4864% | 5,671 |
| Assets per employee ($millions) | 3.9785% | 3,906 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9095% | 97 |
| Loan loss allowance to noncurrent loans | 264.0333% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 5,911 |
| Noncurrent loans to loans | 2.2381% | 2,914 |
| Net loans and leases to total assets | 16.3956% | 7,246 |
| Net loans and leases to deposits | 18.7107% | 7,262 |
| Net loans and leases to core deposits | 19.1358% | 7,256 |
| Total domestic deposits to total assets | 87.6269% | 2,386 |
| Equity capital to assets | 11.9450% | 2,171 |
| Core capital (leverage) ratio | 8.3429% | 5,789 |
| Tier 1 risk-based capital ratio | 16.6755% | 2,745 |
| Total risk-based capital ratio | 17.9582% | 2,690 |
| Memoranda: | ||
| Average total assets | $118,346,400 | 4,449 |
| Average earning assets | $108,361,200 | 4,440 |
| Average equity | $13,724,200 | 4,183 |
| Average total loans | $23,158,800 | 6,505 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 6,834 |
| Cost of funding earning assets | 0.5958% | 6,297 |
| Net interest margin | 3.2108% | 6,135 |
| Noninterest income to average assets | 1.1841% | 942 |
| Noninterest expense to average assets | 2.6290% | 4,977 |
| Loan and lease loss provision to assets | 0.2049% | 3,974 |
| Net operating income to assets | 1.2832% | 1,425 |
| Return on assets (ROA) | 1.2832% | 1,523 |
| Pretax return on assets | 1.2832% | 2,352 |
| Return on Equity (ROE) | 11.1535% | 1,806 |
| Retained earnings to average equity (ytd only) | 3.7310% | 4,094 |
| Net charge-offs to loans | -0.0622% | 7,089 |
| Credit loss provision to net charge-offs | -1,636.3636% | 6,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9602% | 5,872 |
| Assets per employee ($millions) | 3.8744% | 4,132 |
| Cash dividends to net income (ytd only)* | 66.5487% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3204% | 148 |
| Loan loss allowance to noncurrent loans | 223.7037% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 5,963 |
| Noncurrent loans to loans | 2.3783% | 2,916 |
| Net loans and leases to total assets | 17.8985% | 7,309 |
| Net loans and leases to deposits | 20.4688% | 7,327 |
| Net loans and leases to core deposits | 20.8924% | 7,323 |
| Total domestic deposits to total assets | 87.4427% | 2,381 |
| Equity capital to assets | 12.2251% | 2,072 |
| Core capital (leverage) ratio | 8.2363% | 6,081 |
| Tier 1 risk-based capital ratio | 17.7391% | 2,352 |
| Total risk-based capital ratio | 19.0303% | 2,306 |
| Memoranda: | ||
| Average total assets | $117,100,000 | 4,502 |
| Average earning assets | $106,968,750 | 4,506 |
| Average equity | $13,472,250 | 4,249 |
| Average total loans | $23,575,750 | 6,554 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 6,842 |
| Cost of funding earning assets | 0.6160% | 6,382 |
| Net interest margin | 3.2568% | 5,983 |
| Noninterest income to average assets | 1.2610% | 793 |
| Noninterest expense to average assets | 2.6839% | 4,885 |
| Loan and lease loss provision to assets | 0.2067% | 3,855 |
| Net operating income to assets | 1.3489% | 1,195 |
| Return on assets (ROA) | 1.3489% | 1,270 |
| Pretax return on assets | 1.3489% | 1,967 |
| Return on Equity (ROE) | 11.9829% | 1,496 |
| Retained earnings to average equity (ytd only) | 4.3310% | 3,438 |
| Net charge-offs to loans | -0.1006% | 7,168 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5128% | 6,098 |
| Assets per employee ($millions) | 3.9209% | 3,944 |
| Cash dividends to net income (ytd only)* | 63.8570% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0324% | 183 |
| Loan loss allowance to noncurrent loans | 98.4576% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 4,942 |
| Noncurrent loans to loans | 5.1112% | 1,267 |
| Net loans and leases to total assets | 17.8389% | 7,391 |
| Net loans and leases to deposits | 20.2116% | 7,405 |
| Net loans and leases to core deposits | 21.0253% | 7,400 |
| Total domestic deposits to total assets | 88.2607% | 1,988 |
| Equity capital to assets | 11.4448% | 2,553 |
| Core capital (leverage) ratio | 8.3646% | 5,762 |
| Tier 1 risk-based capital ratio | 18.5793% | 1,975 |
| Total risk-based capital ratio | 19.8753% | 1,924 |
| Memoranda: | ||
| Average total assets | $116,098,330 | 4,559 |
| Average earning assets | $106,177,000 | 4,559 |
| Average equity | $13,068,670 | 4,325 |
| Average total loans | $23,866,000 | 6,600 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 6,762 |
| Cost of funding earning assets | 0.6484% | 6,386 |
| Net interest margin | 3.3039% | 5,763 |
| Noninterest income to average assets | 1.5242% | 562 |
| Noninterest expense to average assets | 2.7696% | 4,566 |
| Loan and lease loss provision to assets | 0.2117% | 3,529 |
| Net operating income to assets | 1.5630% | 754 |
| Return on assets (ROA) | 1.5630% | 792 |
| Pretax return on assets | 1.5630% | 1,271 |
| Return on Equity (ROE) | 14.0107% | 992 |
| Retained earnings to average equity (ytd only) | 6.1040% | 2,573 |
| Net charge-offs to loans | -0.1640% | 7,216 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3665% | 6,462 |
| Assets per employee ($millions) | 3.7693% | 4,369 |
| Cash dividends to net income (ytd only)* | 56.4334% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5983% | 267 |
| Loan loss allowance to noncurrent loans | 191.7108% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 6,015 |
| Noncurrent loans to loans | 2.3986% | 3,090 |
| Net loans and leases to total assets | 19.3001% | 7,431 |
| Net loans and leases to deposits | 21.8227% | 7,453 |
| Net loans and leases to core deposits | 22.7908% | 7,452 |
| Total domestic deposits to total assets | 88.4406% | 2,111 |
| Equity capital to assets | 11.2239% | 2,487 |
| Core capital (leverage) ratio | 8.4567% | 5,536 |
| Tier 1 risk-based capital ratio | 17.8595% | 2,163 |
| Total risk-based capital ratio | 19.1537% | 2,117 |
| Memoranda: | ||
| Average total assets | $113,373,000 | 4,660 |
| Average earning assets | $103,635,000 | 4,643 |
| Average equity | $12,647,500 | 4,410 |
| Average total loans | $24,383,000 | 6,620 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 6,710 |
| Cost of funding earning assets | 0.8587% | 6,341 |
| Net interest margin | 3.4858% | 5,304 |
| Noninterest income to average assets | 1.0842% | 1,273 |
| Noninterest expense to average assets | 2.9353% | 4,087 |
| Loan and lease loss provision to assets | 0.2253% | 5,027 |
| Net operating income to assets | 1.0673% | 1,818 |
| Return on assets (ROA) | 1.2400% | 1,389 |
| Pretax return on assets | 1.2400% | 2,103 |
| Return on Equity (ROE) | 10.2203% | 1,848 |
| Retained earnings to average equity (ytd only) | 4.0309% | 3,039 |
| Net charge-offs to loans | 0.0660% | 6,135 |
| Credit loss provision to net charge-offs | 1,263.1579% | 180 |
| Earnings coverage of net charge-offs (x) | 72.4737% | 329 |
| Efficiency ratio | 64.1874% | 5,316 |
| Assets per employee ($millions) | 3.5451% | 4,836 |
| Cash dividends to net income (ytd only)* | 60.5602% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0474% | 383 |
| Loan loss allowance to noncurrent loans | 75.6134% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.6552% | 3,818 |
| Noncurrent loans to loans | 5.3528% | 1,230 |
| Net loans and leases to total assets | 21.9387% | 7,499 |
| Net loans and leases to deposits | 24.8107% | 7,526 |
| Net loans and leases to core deposits | 25.9153% | 7,511 |
| Total domestic deposits to total assets | 88.4246% | 2,001 |
| Equity capital to assets | 11.0831% | 2,616 |
| Core capital (leverage) ratio | 8.7585% | 4,917 |
| Tier 1 risk-based capital ratio | 18.0222% | 1,990 |
| Total risk-based capital ratio | 19.3288% | 1,938 |
| Memoranda: | ||
| Average total assets | $106,531,400 | 4,815 |
| Average earning assets | $96,076,000 | 4,823 |
| Average equity | $12,925,200 | 4,378 |
| Average total loans | $28,801,200 | 6,455 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 6,805 |
| Cost of funding earning assets | 0.9165% | 6,326 |
| Net interest margin | 3.4908% | 5,333 |
| Noninterest income to average assets | 1.0799% | 1,228 |
| Noninterest expense to average assets | 2.8498% | 4,279 |
| Loan and lease loss provision to assets | 0.2271% | 4,802 |
| Net operating income to assets | 1.1455% | 1,746 |
| Return on assets (ROA) | 1.3637% | 1,266 |
| Pretax return on assets | 1.3637% | 1,997 |
| Return on Equity (ROE) | 10.9926% | 1,790 |
| Retained earnings to average equity (ytd only) | 4.8913% | 3,060 |
| Net charge-offs to loans | 0.0224% | 6,358 |
| Credit loss provision to net charge-offs | 3,600.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 217.4858% | 149 |
| Efficiency ratio | 62.2050% | 5,590 |
| Assets per employee ($millions) | 3.2900% | 5,494 |
| Cash dividends to net income (ytd only)* | 55.5041% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5643% | 515 |
| Loan loss allowance to noncurrent loans | 42.8508% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 2.1524% | 3,266 |
| Noncurrent loans to loans | 8.3180% | 603 |
| Net loans and leases to total assets | 24.9535% | 7,553 |
| Net loans and leases to deposits | 28.8956% | 7,584 |
| Net loans and leases to core deposits | 30.0962% | 7,579 |
| Total domestic deposits to total assets | 86.3573% | 2,884 |
| Equity capital to assets | 13.2000% | 1,493 |
| Core capital (leverage) ratio | 8.8069% | 4,994 |
| Tier 1 risk-based capital ratio | 17.8349% | 2,064 |
| Total risk-based capital ratio | 19.1481% | 2,016 |
| Memoranda: | ||
| Average total assets | $105,690,000 | 4,891 |
| Average earning assets | $95,143,250 | 4,923 |
| Average equity | $13,111,500 | 4,414 |
| Average total loans | $29,719,750 | 6,499 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 6,939 |
| Cost of funding earning assets | 0.9720% | 6,280 |
| Net interest margin | 3.4072% | 5,613 |
| Noninterest income to average assets | 1.0848% | 1,135 |
| Noninterest expense to average assets | 2.7725% | 4,607 |
| Loan and lease loss provision to assets | 0.2268% | 4,636 |
| Net operating income to assets | 1.1528% | 1,690 |
| Return on assets (ROA) | 1.4798% | 1,005 |
| Pretax return on assets | 1.4798% | 1,614 |
| Return on Equity (ROE) | 12.1871% | 1,407 |
| Retained earnings to average equity (ytd only) | 5.9612% | 2,350 |
| Net charge-offs to loans | 0.0458% | 5,744 |
| Credit loss provision to net charge-offs | 1,714.2857% | 233 |
| Earnings coverage of net charge-offs (x) | 104.2857% | 312 |
| Efficiency ratio | 61.4019% | 5,792 |
| Assets per employee ($millions) | 3.4983% | 4,931 |
| Cash dividends to net income (ytd only)* | 51.0856% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1255% | 749 |
| Loan loss allowance to noncurrent loans | 43.3476% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.9981% | 3,502 |
| Noncurrent loans to loans | 7.2104% | 764 |
| Net loans and leases to total assets | 26.8452% | 7,603 |
| Net loans and leases to deposits | 30.7342% | 7,630 |
| Net loans and leases to core deposits | 32.5545% | 7,623 |
| Total domestic deposits to total assets | 87.3464% | 2,358 |
| Equity capital to assets | 12.2744% | 1,937 |
| Core capital (leverage) ratio | 8.5757% | 5,285 |
| Tier 1 risk-based capital ratio | 17.1892% | 2,207 |
| Total risk-based capital ratio | 18.5124% | 2,143 |
| Memoranda: | ||
| Average total assets | $105,826,670 | 4,918 |
| Average earning assets | $95,268,670 | 4,952 |
| Average equity | $12,849,670 | 4,470 |
| Average total loans | $30,545,670 | 6,498 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 7,115 |
| Cost of funding earning assets | 0.9977% | 6,389 |
| Net interest margin | 3.3160% | 5,909 |
| Noninterest income to average assets | 1.0163% | 1,247 |
| Noninterest expense to average assets | 2.6199% | 5,267 |
| Loan and lease loss provision to assets | 0.2259% | 4,231 |
| Net operating income to assets | 1.1481% | 1,681 |
| Return on assets (ROA) | 1.7993% | 546 |
| Pretax return on assets | 1.7993% | 876 |
| Return on Equity (ROE) | 14.8985% | 897 |
| Retained earnings to average equity (ytd only) | 8.6648% | 1,490 |
| Net charge-offs to loans | 0.1023% | 4,398 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 45.6250% | 607 |
| Efficiency ratio | 60.0377% | 6,164 |
| Assets per employee ($millions) | 3.2967% | 5,549 |
| Cash dividends to net income (ytd only)* | 41.8410% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7326% | 1,052 |
| Loan loss allowance to noncurrent loans | 32.2925% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 2.4138% | 3,012 |
| Noncurrent loans to loans | 8.4620% | 617 |
| Net loans and leases to total assets | 27.7456% | 7,680 |
| Net loans and leases to deposits | 31.6219% | 7,703 |
| Net loans and leases to core deposits | 33.1416% | 7,701 |
| Total domestic deposits to total assets | 87.7417% | 2,216 |
| Equity capital to assets | 11.8557% | 2,131 |
| Core capital (leverage) ratio | 8.4378% | 5,484 |
| Tier 1 risk-based capital ratio | 16.3482% | 2,507 |
| Total risk-based capital ratio | 17.6719% | 2,437 |
| Memoranda: | ||
| Average total assets | $106,265,000 | 4,975 |
| Average earning assets | $95,417,000 | 5,008 |
| Average equity | $12,833,500 | 4,514 |
| Average total loans | $31,277,000 | 6,556 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 6,969 |
| Cost of funding earning assets | 1.1088% | 6,950 |
| Net interest margin | 3.6810% | 4,213 |
| Noninterest income to average assets | 1.1461% | 1,173 |
| Noninterest expense to average assets | 3.0263% | 4,045 |
| Loan and lease loss provision to assets | 0.3079% | 4,975 |
| Net operating income to assets | 1.1085% | 1,488 |
| Return on assets (ROA) | 1.1336% | 1,459 |
| Pretax return on assets | 1.1336% | 2,148 |
| Return on Equity (ROE) | 9.7486% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.1970% | 1,715 |
| Net charge-offs to loans | 0.5077% | 3,750 |
| Credit loss provision to net charge-offs | 189.3491% | 2,120 |
| Earnings coverage of net charge-offs (x) | 8.7101% | 1,908 |
| Efficiency ratio | 63.0063% | 5,967 |
| Assets per employee ($millions) | 3.1436% | 5,880 |
| Cash dividends to net income (ytd only)* | 46.6893% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5253% | 1,193 |
| Loan loss allowance to noncurrent loans | 37.4765% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 3,339 |
| Noncurrent loans to loans | 6.7384% | 872 |
| Net loans and leases to total assets | 29.6179% | 7,721 |
| Net loans and leases to deposits | 33.9747% | 7,764 |
| Net loans and leases to core deposits | 41.0301% | 7,746 |
| Total domestic deposits to total assets | 87.1763% | 2,401 |
| Equity capital to assets | 12.3089% | 1,851 |
| Core capital (leverage) ratio | 8.2956% | 5,628 |
| Tier 1 risk-based capital ratio | 15.3490% | 2,784 |
| Total risk-based capital ratio | 16.6018% | 2,734 |
| Memoranda: | ||
| Average total assets | $103,920,800 | 4,985 |
| Average earning assets | $93,071,600 | 5,032 |
| Average equity | $12,083,800 | 4,731 |
| Average total loans | $33,287,800 | 6,444 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 6,981 |
| Cost of funding earning assets | 1.1323% | 7,093 |
| Net interest margin | 3.7300% | 3,947 |
| Noninterest income to average assets | 1.0529% | 1,438 |
| Noninterest expense to average assets | 2.9868% | 4,101 |
| Loan and lease loss provision to assets | 0.2308% | 5,124 |
| Net operating income to assets | 1.1811% | 1,512 |
| Return on assets (ROA) | 1.2170% | 1,483 |
| Pretax return on assets | 1.2170% | 2,212 |
| Return on Equity (ROE) | 10.6216% | 1,726 |
| Retained earnings to average equity (ytd only) | 6.1446% | 1,881 |
| Net charge-offs to loans | 0.0119% | 6,765 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 366.9900% | 102 |
| Efficiency ratio | 62.7405% | 5,973 |
| Assets per employee ($millions) | 3.1697% | 5,727 |
| Cash dividends to net income (ytd only)* | 42.1497% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4939% | 1,067 |
| Loan loss allowance to noncurrent loans | 33.5784% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 2.3403% | 2,940 |
| Noncurrent loans to loans | 7.4270% | 695 |
| Net loans and leases to total assets | 30.7256% | 7,789 |
| Net loans and leases to deposits | 35.2858% | 7,839 |
| Net loans and leases to core deposits | 41.8128% | 7,829 |
| Total domestic deposits to total assets | 87.0765% | 2,143 |
| Equity capital to assets | 12.2954% | 2,067 |
| Core capital (leverage) ratio | 8.1983% | 6,018 |
| Tier 1 risk-based capital ratio | 15.0949% | 2,997 |
| Total risk-based capital ratio | 16.3478% | 2,936 |
| Memoranda: | ||
| Average total assets | $103,966,500 | 5,017 |
| Average earning assets | $93,259,250 | 5,062 |
| Average equity | $11,912,500 | 4,819 |
| Average total loans | $33,729,500 | 6,463 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 6,788 |
| Cost of funding earning assets | 1.1682% | 7,196 |
| Net interest margin | 3.8266% | 3,429 |
| Noninterest income to average assets | 1.0274% | 1,509 |
| Noninterest expense to average assets | 2.9338% | 4,363 |
| Loan and lease loss provision to assets | 0.2313% | 4,735 |
| Net operating income to assets | 1.2973% | 1,233 |
| Return on assets (ROA) | 1.3513% | 1,191 |
| Pretax return on assets | 1.3513% | 1,868 |
| Return on Equity (ROE) | 12.0900% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.1913% | 2,401 |
| Net charge-offs to loans | 0.2236% | 4,100 |
| Credit loss provision to net charge-offs | 315.7895% | 1,474 |
| Earnings coverage of net charge-offs (x) | 20.8684% | 1,293 |
| Efficiency ratio | 60.6479% | 6,453 |
| Assets per employee ($millions) | 3.4440% | 4,965 |
| Cash dividends to net income (ytd only)* | 57.0613% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1814% | 1,271 |
| Loan loss allowance to noncurrent loans | 166.7431% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 6,412 |
| Noncurrent loans to loans | 1.3082% | 4,590 |
| Net loans and leases to total assets | 31.5528% | 7,859 |
| Net loans and leases to deposits | 35.9296% | 7,901 |
| Net loans and leases to core deposits | 41.9503% | 7,910 |
| Total domestic deposits to total assets | 87.8183% | 1,856 |
| Equity capital to assets | 11.5971% | 2,473 |
| Core capital (leverage) ratio | 7.7439% | 6,682 |
| Tier 1 risk-based capital ratio | 14.8339% | 3,095 |
| Total risk-based capital ratio | 16.0849% | 3,023 |
| Memoranda: | ||
| Average total assets | $103,755,330 | 5,051 |
| Average earning assets | $93,136,670 | 5,092 |
| Average equity | $11,596,330 | 4,922 |
| Average total loans | $33,985,670 | 6,501 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 6,750 |
| Cost of funding earning assets | 1.1960% | 7,306 |
| Net interest margin | 3.8699% | 3,191 |
| Noninterest income to average assets | 1.0079% | 1,464 |
| Noninterest expense to average assets | 2.9277% | 4,062 |
| Loan and lease loss provision to assets | 0.2308% | 4,147 |
| Net operating income to assets | 1.3350% | 1,305 |
| Return on assets (ROA) | 1.3811% | 1,273 |
| Pretax return on assets | 1.3811% | 2,021 |
| Return on Equity (ROE) | 12.5926% | 1,486 |
| Retained earnings to average equity (ytd only) | 5.5772% | 2,833 |
| Net charge-offs to loans | -0.1632% | 7,985 |
| Credit loss provision to net charge-offs | -428.5714% | 6,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1027% | 6,390 |
| Assets per employee ($millions) | 3.4884% | 4,851 |
| Cash dividends to net income (ytd only)* | 55.7103% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 1,298 |
| Loan loss allowance to noncurrent loans | 163.0385% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 6,240 |
| Noncurrent loans to loans | 1.2685% | 4,449 |
| Net loans and leases to total assets | 32.5332% | 7,851 |
| Net loans and leases to deposits | 36.7607% | 7,924 |
| Net loans and leases to core deposits | 43.1499% | 7,922 |
| Total domestic deposits to total assets | 88.5001% | 1,487 |
| Equity capital to assets | 10.9619% | 2,994 |
| Core capital (leverage) ratio | 7.6394% | 6,973 |
| Tier 1 risk-based capital ratio | 14.1107% | 3,520 |
| Total risk-based capital ratio | 15.3613% | 3,450 |
| Memoranda: | ||
| Average total assets | $103,973,500 | 5,068 |
| Average earning assets | $93,645,500 | 5,097 |
| Average equity | $11,403,500 | 5,005 |
| Average total loans | $34,315,000 | 6,529 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7172% | 6,722 |
| Cost of funding earning assets | 1.5500% | 7,534 |
| Net interest margin | 4.1672% | 2,444 |
| Noninterest income to average assets | 1.1174% | 1,252 |
| Noninterest expense to average assets | 3.1927% | 3,365 |
| Loan and lease loss provision to assets | 0.2390% | 4,511 |
| Net operating income to assets | 1.3947% | 1,245 |
| Return on assets (ROA) | 1.5117% | 965 |
| Pretax return on assets | 1.5117% | 1,651 |
| Return on Equity (ROE) | 13.6169% | 1,184 |
| Retained earnings to average equity (ytd only) | 4.9871% | 2,037 |
| Net charge-offs to loans | 0.0344% | 6,330 |
| Credit loss provision to net charge-offs | 1,975.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 333 |
| Efficiency ratio | 61.2202% | 6,122 |
| Assets per employee ($millions) | 3.4431% | 4,815 |
| Cash dividends to net income (ytd only)* | 63.3756% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 1,403 |
| Loan loss allowance to noncurrent loans | 145.2703% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 5,926 |
| Noncurrent loans to loans | 1.3111% | 3,888 |
| Net loans and leases to total assets | 32.1597% | 7,938 |
| Net loans and leases to deposits | 36.4044% | 8,014 |
| Net loans and leases to core deposits | 42.3841% | 8,019 |
| Total domestic deposits to total assets | 88.3401% | 1,317 |
| Equity capital to assets | 10.9735% | 3,064 |
| Core capital (leverage) ratio | 7.7340% | 6,878 |
| Tier 1 risk-based capital ratio | 14.8261% | 3,136 |
| Total risk-based capital ratio | 16.0770% | 3,051 |
| Memoranda: | ||
| Average total assets | $99,162,600 | 5,079 |
| Average earning assets | $88,260,400 | 5,141 |
| Average equity | $11,008,400 | 5,121 |
| Average total loans | $34,887,000 | 6,437 |