Home > Bank of Ohio County, Inc. > Performance and Condition Ratios
Bank of Ohio County, Inc., Performance and Condition Ratios
| 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 | 3.4096% | 5,110 |
| Cost of funding earning assets | 0.3463% | 3,641 |
| Net interest margin | 3.0634% | 4,963 |
| Noninterest income to average assets | 0.4245% | 3,650 |
| Noninterest expense to average assets | 3.0621% | 2,207 |
| Loan and lease loss provision to assets | 0.1084% | 1,909 |
| Net operating income to assets | 0.1310% | 5,637 |
| Return on assets (ROA) | 0.1310% | 5,686 |
| Pretax return on assets | 0.1310% | 5,706 |
| Return on Equity (ROE) | 0.8363% | 5,720 |
| Retained earnings to average equity (ytd only) | -297.0044% | 6,121 |
| Net charge-offs to loans | 0.2705% | 777 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 2.2083% | 2,721 |
| Efficiency ratio | 92.7497% | 509 |
| Assets per employee ($millions) | 4.3516% | 3,321 |
| Cash dividends to net income (ytd only)* | 35,613.7931% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 4,735 |
| Loan loss allowance to noncurrent loans | 607.1429% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 5,197 |
| Noncurrent loans to loans | 0.1606% | 4,850 |
| Net loans and leases to total assets | 41.7569% | 5,362 |
| Net loans and leases to deposits | 46.8078% | 5,471 |
| Net loans and leases to core deposits | 48.7359% | 5,486 |
| Total domestic deposits to total assets | 89.2091% | 995 |
| Equity capital to assets | 10.6143% | 3,353 |
| Core capital (leverage) ratio | 9.6379% | 3,981 |
| Tier 1 risk-based capital ratio | 19.7411% | 1,560 |
| Total risk-based capital ratio | 20.5215% | 1,633 |
| Memoranda: | ||
| Average total assets | $88,567,500 | 4,684 |
| Average earning assets | $83,176,500 | 4,644 |
| Average equity | $13,870,500 | 4,024 |
| Average total loans | $35,487,000 | 5,163 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 4,812 |
| Cost of funding earning assets | 0.3308% | 3,900 |
| Net interest margin | 3.2164% | 4,569 |
| Noninterest income to average assets | 0.4125% | 3,938 |
| Noninterest expense to average assets | 2.1429% | 5,166 |
| Loan and lease loss provision to assets | 0.9116% | 99 |
| Net operating income to assets | 0.3946% | 5,073 |
| Return on assets (ROA) | 0.4094% | 5,105 |
| Pretax return on assets | 0.4094% | 5,303 |
| Return on Equity (ROE) | 1.9327% | 5,586 |
| Retained earnings to average equity (ytd only) | -5.7034% | 5,947 |
| Net charge-offs to loans | 2.2579% | 54 |
| Credit loss provision to net charge-offs | 102.7348% | 2,439 |
| Earnings coverage of net charge-offs (x) | 1.4721% | 4,081 |
| Efficiency ratio | 62.1291% | 4,584 |
| Assets per employee ($millions) | 4.9713% | 2,402 |
| Cash dividends to net income (ytd only)* | 395.1031% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 4,910 |
| Loan loss allowance to noncurrent loans | 1,096.7742% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,554 |
| Noncurrent loans to loans | 0.0859% | 5,152 |
| Net loans and leases to total assets | 37.8692% | 5,629 |
| Net loans and leases to deposits | 47.5026% | 5,498 |
| Net loans and leases to core deposits | 49.4129% | 5,523 |
| Total domestic deposits to total assets | 79.7203% | 4,817 |
| Equity capital to assets | 20.0786% | 210 |
| Core capital (leverage) ratio | 19.6613% | 208 |
| Tier 1 risk-based capital ratio | 38.7724% | 246 |
| Total risk-based capital ratio | 39.4699% | 252 |
| Memoranda: | ||
| Average total assets | $94,778,200 | 4,566 |
| Average earning assets | $89,477,600 | 4,518 |
| Average equity | $20,075,600 | 3,162 |
| Average total loans | $37,246,800 | 5,109 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6415% | 4,597 |
| Cost of funding earning assets | 0.3298% | 3,991 |
| Net interest margin | 3.3117% | 4,292 |
| Noninterest income to average assets | 0.3992% | 4,091 |
| Noninterest expense to average assets | 2.0957% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4224% | 1,055 |
| Return on assets (ROA) | 1.4519% | 1,047 |
| Pretax return on assets | 1.4519% | 1,825 |
| Return on Equity (ROE) | 6.7670% | 3,744 |
| Retained earnings to average equity (ytd only) | 3.4392% | 4,022 |
| Net charge-offs to loans | -0.1208% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5685% | 4,938 |
| Assets per employee ($millions) | 4.9823% | 2,321 |
| Cash dividends to net income (ytd only)* | 49.1774% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 5,160 |
| Loan loss allowance to noncurrent loans | 219.3750% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 4,744 |
| Noncurrent loans to loans | 0.4160% | 4,116 |
| Net loans and leases to total assets | 40.2554% | 5,578 |
| Net loans and leases to deposits | 52.0403% | 5,371 |
| Net loans and leases to core deposits | 54.1908% | 5,393 |
| Total domestic deposits to total assets | 77.3544% | 5,285 |
| Equity capital to assets | 21.8998% | 160 |
| Core capital (leverage) ratio | 21.8046% | 144 |
| Tier 1 risk-based capital ratio | 40.9663% | 235 |
| Total risk-based capital ratio | 41.6653% | 242 |
| Memoranda: | ||
| Average total assets | $94,859,250 | 4,619 |
| Average earning assets | $89,338,750 | 4,572 |
| Average equity | $20,353,250 | 3,168 |
| Average total loans | $37,531,250 | 5,157 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 4,641 |
| Cost of funding earning assets | 0.3292% | 4,063 |
| Net interest margin | 3.3007% | 4,300 |
| Noninterest income to average assets | 0.3898% | 4,155 |
| Noninterest expense to average assets | 2.0564% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4390% | 1,015 |
| Return on assets (ROA) | 1.4390% | 1,056 |
| Pretax return on assets | 1.4390% | 1,838 |
| Return on Equity (ROE) | 6.7532% | 3,761 |
| Retained earnings to average equity (ytd only) | 2.8377% | 4,237 |
| Net charge-offs to loans | -0.1451% | 5,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8306% | 5,130 |
| Assets per employee ($millions) | 5.0499% | 2,213 |
| Cash dividends to net income (ytd only)* | 57.9795% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 5,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 4,960 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 39.4136% | 5,664 |
| Net loans and leases to deposits | 50.3837% | 5,484 |
| Net loans and leases to core deposits | 52.4079% | 5,518 |
| Total domestic deposits to total assets | 78.2270% | 5,227 |
| Equity capital to assets | 21.1279% | 176 |
| Core capital (leverage) ratio | 21.2389% | 158 |
| Tier 1 risk-based capital ratio | 39.2995% | 277 |
| Total risk-based capital ratio | 39.9644% | 280 |
| Memoranda: | ||
| Average total assets | $94,924,670 | 4,659 |
| Average earning assets | $89,314,000 | 4,611 |
| Average equity | $20,227,330 | 3,192 |
| Average total loans | $37,222,330 | 5,207 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5506% | 4,825 |
| Cost of funding earning assets | 0.3293% | 4,103 |
| Net interest margin | 3.2213% | 4,523 |
| Noninterest income to average assets | 0.3813% | 4,155 |
| Noninterest expense to average assets | 2.1057% | 5,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3007% | 1,273 |
| Return on assets (ROA) | 1.3007% | 1,360 |
| Pretax return on assets | 1.3007% | 2,279 |
| Return on Equity (ROE) | 6.0777% | 3,990 |
| Retained earnings to average equity (ytd only) | 2.9498% | 4,205 |
| Net charge-offs to loans | 0.1197% | 1,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.9091% | 1,190 |
| Efficiency ratio | 61.8159% | 4,827 |
| Assets per employee ($millions) | 5.0180% | 2,334 |
| Cash dividends to net income (ytd only)* | 51.4658% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 5,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 4,026 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 38.7867% | 5,675 |
| Net loans and leases to deposits | 49.7237% | 5,475 |
| Net loans and leases to core deposits | 51.0463% | 5,539 |
| Total domestic deposits to total assets | 78.0044% | 5,449 |
| Equity capital to assets | 21.4596% | 172 |
| Core capital (leverage) ratio | 21.7993% | 138 |
| Tier 1 risk-based capital ratio | 40.4925% | 253 |
| Total risk-based capital ratio | 41.1061% | 261 |
| Memoranda: | ||
| Average total assets | $94,412,500 | 4,708 |
| Average earning assets | $88,660,500 | 4,664 |
| Average equity | $20,205,000 | 3,219 |
| Average total loans | $36,753,000 | 5,262 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 3,413 |
| Cost of funding earning assets | 0.3537% | 4,215 |
| Net interest margin | 3.7227% | 2,915 |
| Noninterest income to average assets | 0.4328% | 3,947 |
| Noninterest expense to average assets | 2.2504% | 5,237 |
| Loan and lease loss provision to assets | 0.2317% | 1,046 |
| Net operating income to assets | 1.4482% | 985 |
| Return on assets (ROA) | 2.1073% | 276 |
| Pretax return on assets | 2.1073% | 402 |
| Return on Equity (ROE) | 10.0996% | 2,074 |
| Retained earnings to average equity (ytd only) | 8.1352% | 972 |
| Net charge-offs to loans | 0.9440% | 334 |
| Credit loss provision to net charge-offs | 60.3989% | 3,277 |
| Earnings coverage of net charge-offs (x) | 4.3789% | 3,671 |
| Efficiency ratio | 57.2581% | 5,538 |
| Assets per employee ($millions) | 4.9202% | 2,423 |
| Cash dividends to net income (ytd only)* | 19.4502% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 5,546 |
| Loan loss allowance to noncurrent loans | 88.7955% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 3,959 |
| Noncurrent loans to loans | 0.9856% | 2,865 |
| Net loans and leases to total assets | 38.4059% | 5,828 |
| Net loans and leases to deposits | 49.1923% | 5,620 |
| Net loans and leases to core deposits | 50.5278% | 5,694 |
| Total domestic deposits to total assets | 78.0730% | 5,426 |
| Equity capital to assets | 21.3408% | 175 |
| Core capital (leverage) ratio | 21.6690% | 148 |
| Tier 1 risk-based capital ratio | 40.4504% | 230 |
| Total risk-based capital ratio | 41.0901% | 235 |
| Memoranda: | ||
| Average total assets | $91,493,600 | 4,797 |
| Average earning assets | $85,959,600 | 4,738 |
| Average equity | $19,089,800 | 3,275 |
| Average total loans | $37,183,400 | 5,288 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,970 |
| Cost of funding earning assets | 0.3585% | 4,248 |
| Net interest margin | 3.8470% | 2,443 |
| Noninterest income to average assets | 0.4454% | 3,925 |
| Noninterest expense to average assets | 2.1803% | 5,391 |
| Loan and lease loss provision to assets | 0.0410% | 3,586 |
| Net operating income to assets | 1.8403% | 475 |
| Return on assets (ROA) | 1.8403% | 487 |
| Pretax return on assets | 1.8403% | 816 |
| Return on Equity (ROE) | 8.8723% | 2,752 |
| Retained earnings to average equity (ytd only) | 6.2233% | 2,265 |
| Net charge-offs to loans | 0.7268% | 472 |
| Credit loss provision to net charge-offs | 13.7255% | 3,655 |
| Earnings coverage of net charge-offs (x) | 6.2942% | 3,106 |
| Efficiency ratio | 53.6797% | 5,855 |
| Assets per employee ($millions) | 4.7827% | 2,546 |
| Cash dividends to net income (ytd only)* | 29.8569% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 6,012 |
| Loan loss allowance to noncurrent loans | 50.1792% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 3,594 |
| Noncurrent loans to loans | 1.4810% | 2,193 |
| Net loans and leases to total assets | 41.1546% | 5,739 |
| Net loans and leases to deposits | 53.1078% | 5,454 |
| Net loans and leases to core deposits | 54.3718% | 5,545 |
| Total domestic deposits to total assets | 77.4925% | 5,604 |
| Equity capital to assets | 21.8043% | 163 |
| Core capital (leverage) ratio | 21.5463% | 155 |
| Tier 1 risk-based capital ratio | 35.0591% | 349 |
| Total risk-based capital ratio | 35.5658% | 373 |
| Memoranda: | ||
| Average total assets | $90,996,250 | 4,870 |
| Average earning assets | $85,537,000 | 4,800 |
| Average equity | $18,874,750 | 3,321 |
| Average total loans | $37,424,250 | 5,324 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2096% | 2,916 |
| Cost of funding earning assets | 0.3596% | 4,327 |
| Net interest margin | 3.8501% | 2,377 |
| Noninterest income to average assets | 0.4701% | 3,711 |
| Noninterest expense to average assets | 2.1595% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9333% | 389 |
| Return on assets (ROA) | 1.9333% | 403 |
| Pretax return on assets | 1.9333% | 638 |
| Return on Equity (ROE) | 9.4819% | 2,377 |
| Retained earnings to average equity (ytd only) | 6.4973% | 2,038 |
| Net charge-offs to loans | 0.0803% | 2,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 58.6667% | 818 |
| Efficiency ratio | 52.7644% | 6,010 |
| Assets per employee ($millions) | 4.7706% | 2,515 |
| Cash dividends to net income (ytd only)* | 31.4773% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 4,553 |
| Loan loss allowance to noncurrent loans | 55.5276% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 1.0999% | 2,872 |
| Noncurrent loans to loans | 2.1113% | 1,574 |
| Net loans and leases to total assets | 41.1072% | 5,739 |
| Net loans and leases to deposits | 52.7471% | 5,445 |
| Net loans and leases to core deposits | 53.9937% | 5,550 |
| Total domestic deposits to total assets | 77.9327% | 5,645 |
| Equity capital to assets | 21.4274% | 161 |
| Core capital (leverage) ratio | 21.0975% | 157 |
| Tier 1 risk-based capital ratio | 34.2541% | 368 |
| Total risk-based capital ratio | 35.0470% | 372 |
| Memoranda: | ||
| Average total assets | $91,037,670 | 4,907 |
| Average earning assets | $85,660,330 | 4,833 |
| Average equity | $18,561,670 | 3,350 |
| Average total loans | $37,339,670 | 5,358 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 2,814 |
| Cost of funding earning assets | 0.3676% | 4,347 |
| Net interest margin | 3.8482% | 2,279 |
| Noninterest income to average assets | 0.4779% | 3,580 |
| Noninterest expense to average assets | 2.2403% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8633% | 433 |
| Return on assets (ROA) | 1.8633% | 454 |
| Pretax return on assets | 1.8633% | 708 |
| Return on Equity (ROE) | 9.3759% | 2,300 |
| Retained earnings to average equity (ytd only) | 5.4270% | 2,834 |
| Net charge-offs to loans | 0.1615% | 1,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,087 |
| Efficiency ratio | 54.5940% | 5,965 |
| Assets per employee ($millions) | 4.8274% | 2,472 |
| Cash dividends to net income (ytd only)* | 42.1176% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 4,812 |
| Loan loss allowance to noncurrent loans | 57.1798% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 3,070 |
| Noncurrent loans to loans | 2.0332% | 1,831 |
| Net loans and leases to total assets | 40.9682% | 5,751 |
| Net loans and leases to deposits | 51.7020% | 5,476 |
| Net loans and leases to core deposits | 52.8874% | 5,570 |
| Total domestic deposits to total assets | 79.2390% | 5,645 |
| Equity capital to assets | 20.2279% | 206 |
| Core capital (leverage) ratio | 20.9194% | 165 |
| Tier 1 risk-based capital ratio | 33.4739% | 400 |
| Total risk-based capital ratio | 34.2634% | 407 |
| Memoranda: | ||
| Average total assets | $91,236,000 | 4,933 |
| Average earning assets | $85,962,500 | 4,865 |
| Average equity | $18,131,500 | 3,406 |
| Average total loans | $37,158,500 | 5,418 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,853 |
| Cost of funding earning assets | 0.4269% | 4,353 |
| Net interest margin | 4.1804% | 1,421 |
| Noninterest income to average assets | 0.4053% | 4,406 |
| Noninterest expense to average assets | 2.1832% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1270% | 279 |
| Return on assets (ROA) | 2.1270% | 279 |
| Pretax return on assets | 2.1270% | 366 |
| Return on Equity (ROE) | 10.6992% | 1,862 |
| Retained earnings to average equity (ytd only) | 5.2693% | 2,435 |
| Net charge-offs to loans | 0.3221% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 15.0859% | 1,899 |
| Efficiency ratio | 50.6517% | 6,373 |
| Assets per employee ($millions) | 4.3215% | 3,231 |
| Cash dividends to net income (ytd only)* | 50.7509% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 4,351 |
| Loan loss allowance to noncurrent loans | 54.9279% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 2,955 |
| Noncurrent loans to loans | 2.2921% | 1,688 |
| Net loans and leases to total assets | 39.4944% | 5,998 |
| Net loans and leases to deposits | 49.4257% | 5,802 |
| Net loans and leases to core deposits | 50.2038% | 5,924 |
| Total domestic deposits to total assets | 79.9068% | 5,463 |
| Equity capital to assets | 19.5147% | 234 |
| Core capital (leverage) ratio | 20.6922% | 169 |
| Tier 1 risk-based capital ratio | 33.9876% | 366 |
| Total risk-based capital ratio | 34.8276% | 369 |
| Memoranda: | ||
| Average total assets | $90,786,200 | 4,960 |
| Average earning assets | $84,801,400 | 4,913 |
| Average equity | $18,048,000 | 3,411 |
| Average total loans | $39,741,800 | 5,357 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,619 |
| Cost of funding earning assets | 0.4242% | 4,565 |
| Net interest margin | 4.2671% | 1,167 |
| Noninterest income to average assets | 0.3877% | 4,622 |
| Noninterest expense to average assets | 2.1410% | 5,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2203% | 249 |
| Return on assets (ROA) | 2.2203% | 256 |
| Pretax return on assets | 2.2203% | 364 |
| Return on Equity (ROE) | 11.1179% | 1,782 |
| Retained earnings to average equity (ytd only) | 7.5884% | 1,594 |
| Net charge-offs to loans | 0.1116% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 44.4728% | 937 |
| Efficiency ratio | 49.0909% | 6,449 |
| Assets per employee ($millions) | 4.2459% | 3,338 |
| Cash dividends to net income (ytd only)* | 31.7458% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 3,833 |
| Loan loss allowance to noncurrent loans | 54.9451% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 2,792 |
| Noncurrent loans to loans | 2.5744% | 1,661 |
| Net loans and leases to total assets | 42.9916% | 5,819 |
| Net loans and leases to deposits | 54.3060% | 5,512 |
| Net loans and leases to core deposits | 55.1895% | 5,686 |
| Total domestic deposits to total assets | 79.1654% | 5,711 |
| Equity capital to assets | 20.1471% | 208 |
| Core capital (leverage) ratio | 21.0688% | 158 |
| Tier 1 risk-based capital ratio | 33.7360% | 381 |
| Total risk-based capital ratio | 34.7350% | 378 |
| Memoranda: | ||
| Average total assets | $90,794,750 | 5,013 |
| Average earning assets | $84,551,500 | 4,962 |
| Average equity | $18,132,500 | 3,434 |
| Average total loans | $40,602,500 | 5,371 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,579 |
| Cost of funding earning assets | 0.4304% | 4,656 |
| Net interest margin | 4.2668% | 1,099 |
| Noninterest income to average assets | 0.4861% | 3,924 |
| Noninterest expense to average assets | 2.1108% | 5,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.3473% | 207 |
| Return on assets (ROA) | 2.3473% | 217 |
| Pretax return on assets | 2.3473% | 328 |
| Return on Equity (ROE) | 11.7876% | 1,558 |
| Retained earnings to average equity (ytd only) | 7.8071% | 1,564 |
| Net charge-offs to loans | 0.1651% | 2,795 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 31.5294% | 1,109 |
| Efficiency ratio | 47.3477% | 6,578 |
| Assets per employee ($millions) | 4.2350% | 3,281 |
| Cash dividends to net income (ytd only)* | 33.7687% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,154 |
| Loan loss allowance to noncurrent loans | 65.7895% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7316% | 2,513 |
| Noncurrent loans to loans | 2.0878% | 2,295 |
| Net loans and leases to total assets | 44.4055% | 5,704 |
| Net loans and leases to deposits | 55.7073% | 5,371 |
| Net loans and leases to core deposits | 56.6072% | 5,553 |
| Total domestic deposits to total assets | 79.7121% | 5,666 |
| Equity capital to assets | 19.6683% | 222 |
| Core capital (leverage) ratio | 20.2967% | 179 |
| Tier 1 risk-based capital ratio | 32.2217% | 435 |
| Total risk-based capital ratio | 33.1927% | 434 |
| Memoranda: | ||
| Average total assets | $91,338,330 | 5,028 |
| Average earning assets | $85,028,000 | 4,981 |
| Average equity | $18,188,670 | 3,445 |
| Average total loans | $41,175,670 | 5,369 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 1,376 |
| Cost of funding earning assets | 0.4308% | 4,795 |
| Net interest margin | 4.3316% | 905 |
| Noninterest income to average assets | 0.4150% | 4,348 |
| Noninterest expense to average assets | 2.1742% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2823% | 205 |
| Return on assets (ROA) | 2.2823% | 231 |
| Pretax return on assets | 2.2823% | 364 |
| Return on Equity (ROE) | 11.3934% | 1,593 |
| Retained earnings to average equity (ytd only) | 6.9483% | 2,179 |
| Net charge-offs to loans | -0.1150% | 6,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7876% | 6,575 |
| Assets per employee ($millions) | 4.4095% | 3,138 |
| Cash dividends to net income (ytd only)* | 39.0152% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 4,109 |
| Loan loss allowance to noncurrent loans | 329.2818% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 3,828 |
| Noncurrent loans to loans | 0.4327% | 5,339 |
| Net loans and leases to total assets | 44.5275% | 5,606 |
| Net loans and leases to deposits | 56.0720% | 5,232 |
| Net loans and leases to core deposits | 56.7481% | 5,449 |
| Total domestic deposits to total assets | 79.4112% | 5,894 |
| Equity capital to assets | 20.0845% | 214 |
| Core capital (leverage) ratio | 19.7600% | 205 |
| Tier 1 risk-based capital ratio | 30.5633% | 509 |
| Total risk-based capital ratio | 31.5830% | 508 |
| Memoranda: | ||
| Average total assets | $92,540,000 | 5,038 |
| Average earning assets | $86,341,500 | 4,978 |
| Average equity | $18,537,000 | 3,444 |
| Average total loans | $41,742,500 | 5,386 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 1,610 |
| Cost of funding earning assets | 0.5048% | 5,183 |
| Net interest margin | 4.4780% | 982 |
| Noninterest income to average assets | 0.5124% | 3,816 |
| Noninterest expense to average assets | 2.2409% | 5,831 |
| Loan and lease loss provision to assets | 0.0616% | 5,000 |
| Net operating income to assets | 2.3849% | 181 |
| Return on assets (ROA) | 2.3937% | 197 |
| Pretax return on assets | 2.3937% | 295 |
| Return on Equity (ROE) | 12.4087% | 1,386 |
| Retained earnings to average equity (ytd only) | 6.8000% | 1,672 |
| Net charge-offs to loans | 0.0333% | 5,452 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 158.9286% | 262 |
| Efficiency ratio | 47.8067% | 6,721 |
| Assets per employee ($millions) | 4.6241% | 2,741 |
| Cash dividends to net income (ytd only)* | 45.1998% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 4,166 |
| Loan loss allowance to noncurrent loans | 72.4566% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4879% | 3,155 |
| Noncurrent loans to loans | 1.9348% | 2,766 |
| Net loans and leases to total assets | 44.4124% | 5,778 |
| Net loans and leases to deposits | 55.8398% | 5,461 |
| Net loans and leases to core deposits | 56.5106% | 5,677 |
| Total domestic deposits to total assets | 79.5353% | 5,777 |
| Equity capital to assets | 19.9782% | 221 |
| Core capital (leverage) ratio | 19.9588% | 196 |
| Tier 1 risk-based capital ratio | 30.3102% | 507 |
| Total risk-based capital ratio | 31.3192% | 506 |
| Memoranda: | ||
| Average total assets | $90,946,400 | 5,060 |
| Average earning assets | $84,792,000 | 4,994 |
| Average equity | $17,544,200 | 3,531 |
| Average total loans | $42,091,000 | 5,413 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 1,500 |
| Cost of funding earning assets | 0.5227% | 5,292 |
| Net interest margin | 4.5464% | 909 |
| Noninterest income to average assets | 0.5904% | 3,344 |
| Noninterest expense to average assets | 2.2614% | 5,790 |
| Loan and lease loss provision to assets | 0.0824% | 4,594 |
| Net operating income to assets | 2.4851% | 176 |
| Return on assets (ROA) | 2.4851% | 190 |
| Pretax return on assets | 2.4851% | 302 |
| Return on Equity (ROE) | 13.0009% | 1,335 |
| Retained earnings to average equity (ytd only) | 5.4145% | 3,089 |
| Net charge-offs to loans | -0.0253% | 6,546 |
| Credit loss provision to net charge-offs | -700.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8293% | 6,779 |
| Assets per employee ($millions) | 4.2793% | 3,319 |
| Cash dividends to net income (ytd only)* | 58.3531% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 4,124 |
| Loan loss allowance to noncurrent loans | 69.6552% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.3954% | 3,516 |
| Noncurrent loans to loans | 2.0927% | 2,747 |
| Net loans and leases to total assets | 45.5868% | 5,811 |
| Net loans and leases to deposits | 57.4371% | 5,489 |
| Net loans and leases to core deposits | 58.1488% | 5,723 |
| Total domestic deposits to total assets | 79.3682% | 5,793 |
| Equity capital to assets | 20.0365% | 236 |
| Core capital (leverage) ratio | 19.2593% | 237 |
| Tier 1 risk-based capital ratio | 29.9710% | 537 |
| Total risk-based capital ratio | 31.0361% | 535 |
| Memoranda: | ||
| Average total assets | $90,562,750 | 5,120 |
| Average earning assets | $84,430,500 | 5,060 |
| Average equity | $17,311,250 | 3,609 |
| Average total loans | $42,199,500 | 5,480 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 1,581 |
| Cost of funding earning assets | 0.5388% | 5,376 |
| Net interest margin | 4.5371% | 932 |
| Noninterest income to average assets | 0.4339% | 4,405 |
| Noninterest expense to average assets | 2.2072% | 5,988 |
| Loan and lease loss provision to assets | 0.0925% | 4,406 |
| Net operating income to assets | 2.3636% | 216 |
| Return on assets (ROA) | 2.3636% | 248 |
| Pretax return on assets | 2.3636% | 370 |
| Return on Equity (ROE) | 12.5646% | 1,482 |
| Retained earnings to average equity (ytd only) | 4.0048% | 3,942 |
| Net charge-offs to loans | -0.1226% | 6,901 |
| Credit loss provision to net charge-offs | -161.5385% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3311% | 6,814 |
| Assets per employee ($millions) | 4.3345% | 3,195 |
| Cash dividends to net income (ytd only)* | 68.1267% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,213 |
| Loan loss allowance to noncurrent loans | 85.3147% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3700% | 3,698 |
| Noncurrent loans to loans | 1.7097% | 3,330 |
| Net loans and leases to total assets | 45.2738% | 5,898 |
| Net loans and leases to deposits | 56.4567% | 5,600 |
| Net loans and leases to core deposits | 57.1377% | 5,852 |
| Total domestic deposits to total assets | 80.1920% | 5,693 |
| Equity capital to assets | 19.2773% | 262 |
| Core capital (leverage) ratio | 18.8146% | 254 |
| Tier 1 risk-based capital ratio | 28.8942% | 579 |
| Total risk-based capital ratio | 29.9501% | 579 |
| Memoranda: | ||
| Average total assets | $90,795,000 | 5,143 |
| Average earning assets | $84,636,330 | 5,085 |
| Average equity | $17,079,670 | 3,631 |
| Average total loans | $42,408,330 | 5,500 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1231% | 1,518 |
| Cost of funding earning assets | 0.5835% | 5,264 |
| Net interest margin | 4.5396% | 941 |
| Noninterest income to average assets | 0.4235% | 4,492 |
| Noninterest expense to average assets | 2.2805% | 5,820 |
| Loan and lease loss provision to assets | 0.0926% | 4,191 |
| Net operating income to assets | 2.2717% | 247 |
| Return on assets (ROA) | 2.2717% | 299 |
| Pretax return on assets | 2.2717% | 477 |
| Return on Equity (ROE) | 12.2284% | 1,608 |
| Retained earnings to average equity (ytd only) | -1.8521% | 6,260 |
| Net charge-offs to loans | -0.1967% | 6,990 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0978% | 6,732 |
| Assets per employee ($millions) | 4.3327% | 3,329 |
| Cash dividends to net income (ytd only)* | 115.1456% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 4,672 |
| Loan loss allowance to noncurrent loans | 98.4823% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 3,769 |
| Noncurrent loans to loans | 1.4060% | 3,999 |
| Net loans and leases to total assets | 45.7125% | 5,816 |
| Net loans and leases to deposits | 56.3806% | 5,561 |
| Net loans and leases to core deposits | 57.0535% | 5,811 |
| Total domestic deposits to total assets | 81.0784% | 5,583 |
| Equity capital to assets | 18.4512% | 308 |
| Core capital (leverage) ratio | 18.3747% | 276 |
| Tier 1 risk-based capital ratio | 28.0201% | 640 |
| Total risk-based capital ratio | 29.0258% | 644 |
| Memoranda: | ||
| Average total assets | $90,680,500 | 5,184 |
| Average earning assets | $84,324,500 | 5,131 |
| Average equity | $16,846,000 | 3,673 |
| Average total loans | $42,702,500 | 5,518 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5493% | 1,060 |
| Cost of funding earning assets | 0.8363% | 4,572 |
| Net interest margin | 4.7130% | 731 |
| Noninterest income to average assets | 0.4325% | 4,355 |
| Noninterest expense to average assets | 2.2787% | 6,088 |
| Loan and lease loss provision to assets | 0.2271% | 3,932 |
| Net operating income to assets | 2.3113% | 181 |
| Return on assets (ROA) | 2.3113% | 192 |
| Pretax return on assets | 2.3113% | 289 |
| Return on Equity (ROE) | 13.3254% | 1,080 |
| Retained earnings to average equity (ytd only) | 6.9227% | 1,537 |
| Net charge-offs to loans | 0.4477% | 3,193 |
| Credit loss provision to net charge-offs | 98.5849% | 3,643 |
| Earnings coverage of net charge-offs (x) | 11.0189% | 1,767 |
| Efficiency ratio | 47.3043% | 6,977 |
| Assets per employee ($millions) | 4.3036% | 3,242 |
| Cash dividends to net income (ytd only)* | 48.0489% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 5,145 |
| Loan loss allowance to noncurrent loans | 127.2300% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 4,202 |
| Noncurrent loans to loans | 0.9854% | 4,732 |
| Net loans and leases to total assets | 47.2332% | 5,902 |
| Net loans and leases to deposits | 58.4233% | 5,659 |
| Net loans and leases to core deposits | 59.1249% | 5,922 |
| Total domestic deposits to total assets | 80.8465% | 5,494 |
| Equity capital to assets | 18.7043% | 295 |
| Core capital (leverage) ratio | 18.4422% | 277 |
| Tier 1 risk-based capital ratio | 28.2571% | 607 |
| Total risk-based capital ratio | 29.1939% | 616 |
| Memoranda: | ||
| Average total assets | $92,026,800 | 5,132 |
| Average earning assets | $85,614,000 | 5,066 |
| Average equity | $15,962,000 | 3,735 |
| Average total loans | $47,357,600 | 5,368 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6026% | 1,028 |
| Cost of funding earning assets | 0.8971% | 4,420 |
| Net interest margin | 4.7055% | 755 |
| Noninterest income to average assets | 0.4861% | 3,986 |
| Noninterest expense to average assets | 2.2674% | 6,128 |
| Loan and lease loss provision to assets | 0.0909% | 5,322 |
| Net operating income to assets | 2.5082% | 155 |
| Return on assets (ROA) | 2.5082% | 161 |
| Pretax return on assets | 2.5082% | 246 |
| Return on Equity (ROE) | 14.7433% | 882 |
| Retained earnings to average equity (ytd only) | 6.0788% | 2,512 |
| Net charge-offs to loans | 0.3913% | 3,158 |
| Credit loss provision to net charge-offs | 44.3662% | 5,160 |
| Earnings coverage of net charge-offs (x) | 12.6901% | 1,680 |
| Efficiency ratio | 46.5916% | 7,030 |
| Assets per employee ($millions) | 4.3197% | 3,238 |
| Cash dividends to net income (ytd only)* | 58.7693% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,182 |
| Loan loss allowance to noncurrent loans | 82.1869% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.3295% | 4,148 |
| Noncurrent loans to loans | 1.2375% | 4,472 |
| Net loans and leases to total assets | 49.9972% | 5,704 |
| Net loans and leases to deposits | 61.5604% | 5,460 |
| Net loans and leases to core deposits | 62.2926% | 5,797 |
| Total domestic deposits to total assets | 81.2166% | 5,365 |
| Equity capital to assets | 18.2168% | 365 |
| Core capital (leverage) ratio | 17.8553% | 336 |
| Tier 1 risk-based capital ratio | 26.4557% | 788 |
| Total risk-based capital ratio | 27.2281% | 817 |
| Memoranda: | ||
| Average total assets | $92,439,750 | 5,155 |
| Average earning assets | $86,053,500 | 5,089 |
| Average equity | $15,726,500 | 3,785 |
| Average total loans | $48,389,750 | 5,372 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5538% | 1,168 |
| Cost of funding earning assets | 0.8960% | 4,702 |
| Net interest margin | 4.6578% | 804 |
| Noninterest income to average assets | 0.4730% | 4,083 |
| Noninterest expense to average assets | 2.2706% | 6,197 |
| Loan and lease loss provision to assets | 0.0903% | 5,187 |
| Net operating income to assets | 2.4491% | 178 |
| Return on assets (ROA) | 2.4491% | 182 |
| Pretax return on assets | 2.4491% | 267 |
| Return on Equity (ROE) | 14.7345% | 848 |
| Retained earnings to average equity (ytd only) | 8.2663% | 1,359 |
| Net charge-offs to loans | -0.1381% | 7,237 |
| Credit loss provision to net charge-offs | -123.5294% | 6,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2061% | 7,104 |
| Assets per employee ($millions) | 4.3821% | 3,025 |
| Cash dividends to net income (ytd only)* | 43.8982% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 5,037 |
| Loan loss allowance to noncurrent loans | 53.1678% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.0940% | 3,114 |
| Noncurrent loans to loans | 2.4551% | 2,930 |
| Net loans and leases to total assets | 51.0236% | 5,690 |
| Net loans and leases to deposits | 62.2286% | 5,475 |
| Net loans and leases to core deposits | 62.9486% | 5,814 |
| Total domestic deposits to total assets | 81.9938% | 5,171 |
| Equity capital to assets | 17.4389% | 433 |
| Core capital (leverage) ratio | 17.5901% | 362 |
| Tier 1 risk-based capital ratio | 25.7699% | 829 |
| Total risk-based capital ratio | 26.7774% | 837 |
| Memoranda: | ||
| Average total assets | $93,015,330 | 5,168 |
| Average earning assets | $86,607,330 | 5,113 |
| Average equity | $15,460,330 | 3,826 |
| Average total loans | $49,246,330 | 5,387 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4649% | 1,394 |
| Cost of funding earning assets | 0.8933% | 4,969 |
| Net interest margin | 4.5716% | 915 |
| Noninterest income to average assets | 0.4876% | 3,988 |
| Noninterest expense to average assets | 2.0875% | 6,669 |
| Loan and lease loss provision to assets | 0.0898% | 4,891 |
| Net operating income to assets | 2.5794% | 161 |
| Return on assets (ROA) | 2.5794% | 169 |
| Pretax return on assets | 2.5794% | 226 |
| Return on Equity (ROE) | 15.9035% | 689 |
| Retained earnings to average equity (ytd only) | 11.7100% | 776 |
| Net charge-offs to loans | -0.2795% | 7,328 |
| Credit loss provision to net charge-offs | -60.0000% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8849% | 7,284 |
| Assets per employee ($millions) | 4.4688% | 2,948 |
| Cash dividends to net income (ytd only)* | 26.3682% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 5,462 |
| Loan loss allowance to noncurrent loans | 43.2374% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.1408% | 3,141 |
| Noncurrent loans to loans | 2.8543% | 2,641 |
| Net loans and leases to total assets | 51.2526% | 5,678 |
| Net loans and leases to deposits | 61.7948% | 5,524 |
| Net loans and leases to core deposits | 62.4868% | 5,879 |
| Total domestic deposits to total assets | 82.9400% | 4,956 |
| Equity capital to assets | 16.5923% | 492 |
| Core capital (leverage) ratio | 17.2169% | 385 |
| Tier 1 risk-based capital ratio | 24.8783% | 888 |
| Total risk-based capital ratio | 25.8314% | 901 |
| Memoranda: | ||
| Average total assets | $93,511,000 | 5,188 |
| Average earning assets | $87,321,000 | 5,118 |
| Average equity | $15,166,500 | 3,869 |
| Average total loans | $50,082,000 | 5,385 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8671% | 1,113 |
| Cost of funding earning assets | 1.0744% | 5,291 |
| Net interest margin | 4.7928% | 671 |
| Noninterest income to average assets | 0.5006% | 4,164 |
| Noninterest expense to average assets | 2.4578% | 5,922 |
| Loan and lease loss provision to assets | 0.2893% | 4,485 |
| Net operating income to assets | 2.2148% | 191 |
| Return on assets (ROA) | 2.2148% | 197 |
| Pretax return on assets | 2.2148% | 307 |
| Return on Equity (ROE) | 13.5674% | 972 |
| Retained earnings to average equity (ytd only) | 11.1585% | 360 |
| Net charge-offs to loans | 0.4284% | 3,905 |
| Credit loss provision to net charge-offs | 119.6262% | 3,535 |
| Earnings coverage of net charge-offs (x) | 10.3551% | 1,720 |
| Efficiency ratio | 49.5331% | 7,163 |
| Assets per employee ($millions) | 4.4370% | 2,965 |
| Cash dividends to net income (ytd only)* | 17.7551% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 6,113 |
| Loan loss allowance to noncurrent loans | 33.4767% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.0692% | 3,265 |
| Noncurrent loans to loans | 3.1633% | 2,407 |
| Net loans and leases to total assets | 54.6487% | 5,551 |
| Net loans and leases to deposits | 65.3415% | 5,477 |
| Net loans and leases to core deposits | 66.7191% | 5,807 |
| Total domestic deposits to total assets | 83.6354% | 4,537 |
| Equity capital to assets | 15.8430% | 611 |
| Core capital (leverage) ratio | 16.1411% | 491 |
| Tier 1 risk-based capital ratio | 26.5469% | 702 |
| Total risk-based capital ratio | 27.4960% | 720 |
| Memoranda: | ||
| Average total assets | $88,494,400 | 5,334 |
| Average earning assets | $82,374,200 | 5,261 |
| Average equity | $14,446,400 | 4,038 |
| Average total loans | $49,951,200 | 5,485 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8491% | 1,257 |
| Cost of funding earning assets | 1.1050% | 5,392 |
| Net interest margin | 4.7441% | 755 |
| Noninterest income to average assets | 0.5741% | 3,625 |
| Noninterest expense to average assets | 2.3620% | 6,145 |
| Loan and lease loss provision to assets | 0.3115% | 4,085 |
| Net operating income to assets | 2.3055% | 190 |
| Return on assets (ROA) | 2.3055% | 202 |
| Pretax return on assets | 2.3055% | 335 |
| Return on Equity (ROE) | 14.0127% | 1,032 |
| Retained earnings to average equity (ytd only) | 10.7833% | 634 |
| Net charge-offs to loans | 0.2986% | 4,171 |
| Credit loss provision to net charge-offs | 183.7838% | 1,974 |
| Earnings coverage of net charge-offs (x) | 15.4411% | 1,441 |
| Efficiency ratio | 47.4394% | 7,303 |
| Assets per employee ($millions) | 4.4243% | 3,035 |
| Cash dividends to net income (ytd only)* | 23.0465% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,697 |
| Loan loss allowance to noncurrent loans | 31.5845% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 2.6552% | 2,725 |
| Noncurrent loans to loans | 3.6498% | 2,141 |
| Net loans and leases to total assets | 55.0053% | 5,702 |
| Net loans and leases to deposits | 66.4543% | 5,615 |
| Net loans and leases to core deposits | 67.8735% | 5,958 |
| Total domestic deposits to total assets | 82.7717% | 4,690 |
| Equity capital to assets | 16.6417% | 568 |
| Core capital (leverage) ratio | 16.9798% | 433 |
| Tier 1 risk-based capital ratio | 25.7839% | 790 |
| Total risk-based capital ratio | 26.8226% | 794 |
| Memoranda: | ||
| Average total assets | $87,323,750 | 5,431 |
| Average earning assets | $81,081,750 | 5,373 |
| Average equity | $14,367,500 | 4,120 |
| Average total loans | $49,572,750 | 5,582 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9965% | 957 |
| Cost of funding earning assets | 1.1530% | 5,386 |
| Net interest margin | 4.8435% | 607 |
| Noninterest income to average assets | 0.5897% | 3,415 |
| Noninterest expense to average assets | 2.4338% | 5,966 |
| Loan and lease loss provision to assets | 0.4423% | 3,109 |
| Net operating income to assets | 2.2162% | 223 |
| Return on assets (ROA) | 2.2162% | 248 |
| Pretax return on assets | 2.2162% | 395 |
| Return on Equity (ROE) | 13.5260% | 1,134 |
| Retained earnings to average equity (ytd only) | 9.6553% | 926 |
| Net charge-offs to loans | 0.4339% | 3,253 |
| Credit loss provision to net charge-offs | 178.3019% | 2,197 |
| Earnings coverage of net charge-offs (x) | 10.7170% | 1,853 |
| Efficiency ratio | 47.7941% | 7,359 |
| Assets per employee ($millions) | 3.8961% | 3,988 |
| Cash dividends to net income (ytd only)* | 28.6167% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 5,539 |
| Loan loss allowance to noncurrent loans | 59.1919% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.8305% | 3,720 |
| Noncurrent loans to loans | 1.9991% | 3,718 |
| Net loans and leases to total assets | 57.0927% | 5,550 |
| Net loans and leases to deposits | 69.1513% | 5,398 |
| Net loans and leases to core deposits | 70.7581% | 5,805 |
| Total domestic deposits to total assets | 82.5620% | 4,761 |
| Equity capital to assets | 16.8477% | 552 |
| Core capital (leverage) ratio | 16.6941% | 475 |
| Tier 1 risk-based capital ratio | 26.2442% | 756 |
| Total risk-based capital ratio | 27.3191% | 756 |
| Memoranda: | ||
| Average total assets | $85,461,330 | 5,519 |
| Average earning assets | $79,446,330 | 5,460 |
| Average equity | $14,002,670 | 4,199 |
| Average total loans | $48,863,000 | 5,646 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0128% | 956 |
| Cost of funding earning assets | 1.1754% | 5,530 |
| Net interest margin | 4.8373% | 589 |
| Noninterest income to average assets | 0.8672% | 1,747 |
| Noninterest expense to average assets | 2.3531% | 6,237 |
| Loan and lease loss provision to assets | 0.3609% | 3,208 |
| Net operating income to assets | 2.6672% | 121 |
| Return on assets (ROA) | 2.6672% | 126 |
| Pretax return on assets | 2.6672% | 194 |
| Return on Equity (ROE) | 16.5125% | 651 |
| Retained earnings to average equity (ytd only) | 10.8826% | 947 |
| Net charge-offs to loans | 0.7912% | 1,940 |
| Credit loss provision to net charge-offs | 80.2083% | 3,872 |
| Earnings coverage of net charge-offs (x) | 6.7292% | 2,176 |
| Efficiency ratio | 43.7282% | 7,629 |
| Assets per employee ($millions) | 4.2770% | 3,329 |
| Cash dividends to net income (ytd only)* | 34.0949% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,534 |
| Loan loss allowance to noncurrent loans | 59.0965% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.6706% | 3,966 |
| Noncurrent loans to loans | 1.6691% | 4,243 |
| Net loans and leases to total assets | 56.7980% | 5,639 |
| Net loans and leases to deposits | 68.3132% | 5,553 |
| Net loans and leases to core deposits | 69.8904% | 5,928 |
| Total domestic deposits to total assets | 83.1436% | 4,548 |
| Equity capital to assets | 16.3526% | 622 |
| Core capital (leverage) ratio | 16.3415% | 528 |
| Tier 1 risk-based capital ratio | 22.8118% | 1,106 |
| Total risk-based capital ratio | 23.6001% | 1,136 |
| Memoranda: | ||
| Average total assets | $85,334,500 | 5,588 |
| Average earning assets | $79,630,500 | 5,521 |
| Average equity | $13,783,500 | 4,291 |
| Average total loans | $48,533,000 | 5,734 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2431% | 1,135 |
| Cost of funding earning assets | 1.4337% | 5,787 |
| Net interest margin | 4.8093% | 682 |
| Noninterest income to average assets | 0.7356% | 2,760 |
| Noninterest expense to average assets | 3.1743% | 3,465 |
| Loan and lease loss provision to assets | 0.1817% | 5,883 |
| Net operating income to assets | 1.8776% | 308 |
| Return on assets (ROA) | 1.8776% | 314 |
| Pretax return on assets | 1.8776% | 542 |
| Return on Equity (ROE) | 11.9150% | 1,183 |
| Retained earnings to average equity (ytd only) | 8.4317% | 603 |
| Net charge-offs to loans | 0.4581% | 3,950 |
| Credit loss provision to net charge-offs | 69.4836% | 6,498 |
| Earnings coverage of net charge-offs (x) | 7.8732% | 2,051 |
| Efficiency ratio | 60.6523% | 6,379 |
| Assets per employee ($millions) | 3.8695% | 4,092 |
| Cash dividends to net income (ytd only)* | 29.2348% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 6,137 |
| Loan loss allowance to noncurrent loans | 25.8878% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 2.4527% | 2,839 |
| Noncurrent loans to loans | 4.0482% | 1,832 |
| Net loans and leases to total assets | 55.7906% | 5,979 |
| Net loans and leases to deposits | 66.8864% | 5,959 |
| Net loans and leases to core deposits | 81.0201% | 5,994 |
| Total domestic deposits to total assets | 83.4111% | 4,329 |
| Equity capital to assets | 15.9511% | 708 |
| Core capital (leverage) ratio | 16.6136% | 536 |
| Tier 1 risk-based capital ratio | 24.6916% | 882 |
| Total risk-based capital ratio | 25.6028% | 893 |
| Memoranda: | ||
| Average total assets | $81,435,400 | 5,688 |
| Average earning assets | $76,164,200 | 5,597 |
| Average equity | $12,832,600 | 4,552 |
| Average total loans | $46,497,000 | 5,822 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2309% | 1,294 |
| Cost of funding earning assets | 1.5014% | 5,817 |
| Net interest margin | 4.7294% | 791 |
| Noninterest income to average assets | 0.6839% | 3,128 |
| Noninterest expense to average assets | 3.1614% | 3,431 |
| Loan and lease loss provision to assets | 0.2252% | 5,166 |
| Net operating income to assets | 1.7156% | 543 |
| Return on assets (ROA) | 1.7156% | 576 |
| Pretax return on assets | 1.7156% | 941 |
| Return on Equity (ROE) | 10.9228% | 1,645 |
| Retained earnings to average equity (ytd only) | 6.2099% | 1,847 |
| Net charge-offs to loans | 0.2602% | 4,421 |
| Credit loss provision to net charge-offs | 151.1111% | 3,176 |
| Earnings coverage of net charge-offs (x) | 13.0219% | 1,708 |
| Efficiency ratio | 61.9604% | 6,113 |
| Assets per employee ($millions) | 3.8247% | 4,139 |
| Cash dividends to net income (ytd only)* | 43.1470% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,697 |
| Loan loss allowance to noncurrent loans | 33.8852% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 2.5001% | 2,772 |
| Noncurrent loans to loans | 3.7453% | 1,988 |
| Net loans and leases to total assets | 59.4723% | 5,668 |
| Net loans and leases to deposits | 71.9415% | 5,665 |
| Net loans and leases to core deposits | 86.5799% | 5,811 |
| Total domestic deposits to total assets | 82.6676% | 4,374 |
| Equity capital to assets | 16.6700% | 677 |
| Core capital (leverage) ratio | 16.2170% | 643 |
| Tier 1 risk-based capital ratio | 24.1273% | 990 |
| Total risk-based capital ratio | 25.2548% | 975 |
| Memoranda: | ||
| Average total assets | $80,512,000 | 5,744 |
| Average earning assets | $75,215,250 | 5,663 |
| Average equity | $12,646,000 | 4,620 |
| Average total loans | $46,122,000 | 5,877 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1312% | 1,686 |
| Cost of funding earning assets | 1.5328% | 6,007 |
| Net interest margin | 4.5984% | 953 |
| Noninterest income to average assets | 0.6578% | 3,285 |
| Noninterest expense to average assets | 2.7874% | 5,012 |
| Loan and lease loss provision to assets | 0.3078% | 4,108 |
| Net operating income to assets | 1.8517% | 414 |
| Return on assets (ROA) | 1.8517% | 449 |
| Pretax return on assets | 1.8517% | 774 |
| Return on Equity (ROE) | 12.0339% | 1,401 |
| Retained earnings to average equity (ytd only) | 6.6138% | 1,737 |
| Net charge-offs to loans | 0.3835% | 3,283 |
| Credit loss provision to net charge-offs | 142.5287% | 3,264 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,048 |
| Efficiency ratio | 56.3472% | 7,078 |
| Assets per employee ($millions) | 3.6151% | 4,535 |
| Cash dividends to net income (ytd only)* | 45.0402% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,250 |
| Loan loss allowance to noncurrent loans | 33.1325% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 2.8516% | 2,248 |
| Noncurrent loans to loans | 3.9347% | 1,731 |
| Net loans and leases to total assets | 57.5899% | 6,022 |
| Net loans and leases to deposits | 68.8218% | 6,109 |
| Net loans and leases to core deposits | 82.3899% | 6,209 |
| Total domestic deposits to total assets | 83.6797% | 3,924 |
| Equity capital to assets | 15.6564% | 893 |
| Core capital (leverage) ratio | 15.9258% | 755 |
| Tier 1 risk-based capital ratio | 24.5403% | 980 |
| Total risk-based capital ratio | 25.6860% | 972 |
| Memoranda: | ||
| Average total assets | $80,576,670 | 5,779 |
| Average earning assets | $75,156,330 | 5,706 |
| Average equity | $12,398,330 | 4,713 |
| Average total loans | $45,369,000 | 5,971 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9353% | 2,625 |
| Cost of funding earning assets | 1.5566% | 6,207 |
| Net interest margin | 4.3787% | 1,398 |
| Noninterest income to average assets | 0.5968% | 3,572 |
| Noninterest expense to average assets | 2.5056% | 5,827 |
| Loan and lease loss provision to assets | 0.0592% | 6,219 |
| Net operating income to assets | 2.1110% | 278 |
| Return on assets (ROA) | 2.1110% | 325 |
| Pretax return on assets | 2.1110% | 531 |
| Return on Equity (ROE) | 13.8383% | 1,196 |
| Retained earnings to average equity (ytd only) | 6.5635% | 2,393 |
| Net charge-offs to loans | 0.2497% | 3,158 |
| Credit loss provision to net charge-offs | 42.8571% | 4,774 |
| Earnings coverage of net charge-offs (x) | 15.7143% | 1,592 |
| Efficiency ratio | 53.5865% | 7,260 |
| Assets per employee ($millions) | 3.7822% | 4,136 |
| Cash dividends to net income (ytd only)* | 52.5701% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 4,717 |
| Loan loss allowance to noncurrent loans | 47.5043% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 2.0022% | 2,905 |
| Noncurrent loans to loans | 2.5537% | 2,582 |
| Net loans and leases to total assets | 54.0218% | 6,461 |
| Net loans and leases to deposits | 63.9389% | 6,566 |
| Net loans and leases to core deposits | 76.6533% | 6,634 |
| Total domestic deposits to total assets | 84.4897% | 3,465 |
| Equity capital to assets | 14.9767% | 1,109 |
| Core capital (leverage) ratio | 15.4776% | 868 |
| Tier 1 risk-based capital ratio | 23.9740% | 1,087 |
| Total risk-based capital ratio | 25.0118% | 1,085 |
| Memoranda: | ||
| Average total assets | $81,098,500 | 5,779 |
| Average earning assets | $75,547,500 | 5,712 |
| Average equity | $12,371,500 | 4,732 |
| Average total loans | $44,849,500 | 6,019 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9204% | 1,342 |
| Cost of funding earning assets | 2.4324% | 4,560 |
| Net interest margin | 4.4880% | 1,453 |
| Noninterest income to average assets | 0.6839% | 3,221 |
| Noninterest expense to average assets | 2.6077% | 5,622 |
| Loan and lease loss provision to assets | 0.1892% | 4,994 |
| Net operating income to assets | 2.0734% | 305 |
| Return on assets (ROA) | 2.0734% | 287 |
| Pretax return on assets | 2.0734% | 515 |
| Return on Equity (ROE) | 13.4987% | 1,214 |
| Retained earnings to average equity (ytd only) | 7.7314% | 922 |
| Net charge-offs to loans | 0.3296% | 3,200 |
| Credit loss provision to net charge-offs | 106.4748% | 5,036 |
| Earnings coverage of net charge-offs (x) | 12.7338% | 2,218 |
| Efficiency ratio | 53.5433% | 7,324 |
| Assets per employee ($millions) | 3.7613% | 4,035 |
| Cash dividends to net income (ytd only)* | 42.7250% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 3,891 |
| Loan loss allowance to noncurrent loans | 58.9823% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5167% | 3,182 |
| Noncurrent loans to loans | 2.1789% | 2,533 |
| Net loans and leases to total assets | 55.2337% | 6,525 |
| Net loans and leases to deposits | 65.9352% | 6,649 |
| Net loans and leases to core deposits | 79.9883% | 6,617 |
| Total domestic deposits to total assets | 83.7697% | 3,446 |
| Equity capital to assets | 15.5479% | 1,038 |
| Core capital (leverage) ratio | 15.9837% | 828 |
| Tier 1 risk-based capital ratio | 24.1243% | 1,074 |
| Total risk-based capital ratio | 25.2163% | 1,065 |
| Memoranda: | ||
| Average total assets | $78,230,200 | 5,761 |
| Average earning assets | $72,972,800 | 5,711 |
| Average equity | $12,016,000 | 4,821 |
| Average total loans | $42,175,200 | 6,065 |