Home > Bank of Prescott > Performance and Condition Ratios
Bank of Prescott, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 3,424 |
| Cost of funding earning assets | 0.6817% | 3,297 |
| Net interest margin | 3.6981% | 2,930 |
| Noninterest income to average assets | 0.4096% | 3,259 |
| Noninterest expense to average assets | 3.1397% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6917% | 4,039 |
| Return on assets (ROA) | 0.6820% | 4,129 |
| Pretax return on assets | 0.6666% | 4,417 |
| Return on Equity (ROE) | 4.6868% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.6868% | 3,063 |
| Net charge-offs to loans | 0.4815% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.5926% | 3,183 |
| Efficiency ratio | 82.2785% | 737 |
| Assets per employee ($millions) | 4.0102% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,127 |
| Loan loss allowance to noncurrent loans | 117.5000% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 2,244 |
| Noncurrent loans to loans | 1.0800% | 1,469 |
| Net loans and leases to total assets | 53.6400% | 4,210 |
| Net loans and leases to deposits | 64.0847% | 4,164 |
| Net loans and leases to core deposits | 65.7225% | 4,292 |
| Total domestic deposits to total assets | 83.7018% | 2,931 |
| Equity capital to assets | 15.0338% | 838 |
| Core capital (leverage) ratio | 15.4195% | 657 |
| Tier 1 risk-based capital ratio | 23.5428% | 896 |
| Total risk-based capital ratio | 24.6248% | 888 |
| Memoranda: | ||
| Average total assets | $69,006,250 | 4,496 |
| Average earning assets | $63,563,250 | 4,496 |
| Average equity | $10,042,000 | 4,283 |
| Average total loans | $37,382,500 | 4,526 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 3,456 |
| Cost of funding earning assets | 0.6752% | 3,297 |
| Net interest margin | 3.6840% | 2,978 |
| Noninterest income to average assets | 0.3839% | 3,377 |
| Noninterest expense to average assets | 3.0137% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7650% | 3,771 |
| Return on assets (ROA) | 0.7505% | 3,888 |
| Pretax return on assets | 0.7419% | 4,232 |
| Return on Equity (ROE) | 5.2141% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.2141% | 2,662 |
| Net charge-offs to loans | 0.7307% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.9124% | 2,981 |
| Efficiency ratio | 79.9387% | 968 |
| Assets per employee ($millions) | 3.7224% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,121 |
| Loan loss allowance to noncurrent loans | 129.6399% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 2,395 |
| Noncurrent loans to loans | 0.9826% | 1,663 |
| Net loans and leases to total assets | 54.1364% | 4,197 |
| Net loans and leases to deposits | 64.1830% | 4,216 |
| Net loans and leases to core deposits | 65.5362% | 4,335 |
| Total domestic deposits to total assets | 84.3470% | 2,740 |
| Equity capital to assets | 15.1516% | 773 |
| Core capital (leverage) ratio | 15.3006% | 649 |
| Tier 1 risk-based capital ratio | 23.0904% | 938 |
| Total risk-based capital ratio | 24.1569% | 929 |
| Memoranda: | ||
| Average total assets | $69,284,000 | 4,531 |
| Average earning assets | $63,680,670 | 4,529 |
| Average equity | $9,973,000 | 4,300 |
| Average total loans | $37,497,330 | 4,558 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 3,591 |
| Cost of funding earning assets | 0.6626% | 3,247 |
| Net interest margin | 3.6290% | 3,139 |
| Noninterest income to average assets | 0.3692% | 3,380 |
| Noninterest expense to average assets | 3.0217% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6759% | 4,015 |
| Return on assets (ROA) | 0.6759% | 4,052 |
| Pretax return on assets | 0.6759% | 4,358 |
| Return on Equity (ROE) | 4.8161% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.8161% | 2,986 |
| Net charge-offs to loans | -2.6402% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7204% | 898 |
| Assets per employee ($millions) | 3.7712% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 306 |
| Loan loss allowance to noncurrent loans | 225.5937% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 2,413 |
| Noncurrent loans to loans | 1.0132% | 1,646 |
| Net loans and leases to total assets | 53.8479% | 4,218 |
| Net loans and leases to deposits | 63.4094% | 4,218 |
| Net loans and leases to core deposits | 64.7150% | 4,345 |
| Total domestic deposits to total assets | 84.9209% | 2,706 |
| Equity capital to assets | 14.6931% | 829 |
| Core capital (leverage) ratio | 15.1992% | 658 |
| Tier 1 risk-based capital ratio | 22.3522% | 1,010 |
| Total risk-based capital ratio | 23.6115% | 987 |
| Memoranda: | ||
| Average total assets | $70,424,500 | 4,561 |
| Average earning assets | $64,591,500 | 4,571 |
| Average equity | $9,883,500 | 4,341 |
| Average total loans | $37,875,500 | 4,596 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 3,178 |
| Cost of funding earning assets | 0.5649% | 2,957 |
| Net interest margin | 3.7158% | 2,973 |
| Noninterest income to average assets | 0.3731% | 3,596 |
| Noninterest expense to average assets | 3.0339% | 1,981 |
| Loan and lease loss provision to assets | 3.1611% | 19 |
| Net operating income to assets | -1.6099% | 5,362 |
| Return on assets (ROA) | -1.6099% | 5,360 |
| Pretax return on assets | -2.4023% | 5,376 |
| Return on Equity (ROE) | -11.6352% | 5,358 |
| Retained earnings to average equity (ytd only) | -11.6352% | 5,333 |
| Net charge-offs to loans | 8.5671% | 5 |
| Credit loss provision to net charge-offs | 67.2014% | 3,026 |
| Earnings coverage of net charge-offs (x) | 0.1613% | 3,710 |
| Efficiency ratio | 79.9926% | 963 |
| Assets per employee ($millions) | 3.8404% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 1,075 |
| Loan loss allowance to noncurrent loans | 177.4194% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 2,693 |
| Noncurrent loans to loans | 0.8893% | 1,811 |
| Net loans and leases to total assets | 51.7193% | 4,422 |
| Net loans and leases to deposits | 64.0452% | 4,256 |
| Net loans and leases to core deposits | 66.0298% | 4,354 |
| Total domestic deposits to total assets | 80.7543% | 3,941 |
| Equity capital to assets | 13.4211% | 1,170 |
| Core capital (leverage) ratio | 14.5778% | 778 |
| Tier 1 risk-based capital ratio | 20.7926% | 1,183 |
| Total risk-based capital ratio | 22.0435% | 1,162 |
| Memoranda: | ||
| Average total assets | $71,557,200 | 4,557 |
| Average earning assets | $65,853,800 | 4,558 |
| Average equity | $9,901,000 | 4,317 |
| Average total loans | $39,289,800 | 4,572 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 3,031 |
| Cost of funding earning assets | 0.5431% | 2,912 |
| Net interest margin | 3.7387% | 2,867 |
| Noninterest income to average assets | 0.4138% | 3,399 |
| Noninterest expense to average assets | 2.9211% | 2,248 |
| Loan and lease loss provision to assets | 4.2356% | 14 |
| Net operating income to assets | -2.2357% | 5,451 |
| Return on assets (ROA) | -2.2357% | 5,449 |
| Pretax return on assets | -3.3012% | 5,457 |
| Return on Equity (ROE) | -16.0351% | 5,446 |
| Retained earnings to average equity (ytd only) | -16.0351% | 5,427 |
| Net charge-offs to loans | 12.4268% | 1 |
| Credit loss provision to net charge-offs | 61.4007% | 2,732 |
| Earnings coverage of net charge-offs (x) | 0.1355% | 3,417 |
| Efficiency ratio | 75.7649% | 1,378 |
| Assets per employee ($millions) | 4.0315% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 4,735 |
| Loan loss allowance to noncurrent loans | 67.2131% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 2,416 |
| Noncurrent loans to loans | 1.1292% | 1,503 |
| Net loans and leases to total assets | 51.7150% | 4,497 |
| Net loans and leases to deposits | 63.9329% | 4,329 |
| Net loans and leases to core deposits | 65.9161% | 4,411 |
| Total domestic deposits to total assets | 80.8894% | 3,897 |
| Equity capital to assets | 13.3022% | 1,210 |
| Core capital (leverage) ratio | 14.4955% | 824 |
| Tier 1 risk-based capital ratio | 20.4863% | 1,249 |
| Total risk-based capital ratio | 21.0843% | 1,334 |
| Memoranda: | ||
| Average total assets | $71,204,750 | 4,611 |
| Average earning assets | $65,547,000 | 4,613 |
| Average equity | $9,928,000 | 4,351 |
| Average total loans | $39,526,500 | 4,613 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,750 |
| Cost of funding earning assets | 0.5233% | 2,809 |
| Net interest margin | 3.7795% | 2,640 |
| Noninterest income to average assets | 0.4297% | 3,299 |
| Noninterest expense to average assets | 2.9767% | 2,114 |
| Loan and lease loss provision to assets | 6.3943% | 4 |
| Net operating income to assets | -3.8275% | 5,528 |
| Return on assets (ROA) | -3.8275% | 5,525 |
| Pretax return on assets | -5.4501% | 5,532 |
| Return on Equity (ROE) | -27.0268% | 5,519 |
| Retained earnings to average equity (ytd only) | -27.0268% | 5,508 |
| Net charge-offs to loans | 18.5450% | 1 |
| Credit loss provision to net charge-offs | 60.8392% | 2,422 |
| Earnings coverage of net charge-offs (x) | 0.0898% | 3,141 |
| Efficiency ratio | 75.9193% | 1,435 |
| Assets per employee ($millions) | 3.6026% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 5,016 |
| Loan loss allowance to noncurrent loans | 64.2132% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 2,504 |
| Noncurrent loans to loans | 1.0253% | 1,720 |
| Net loans and leases to total assets | 55.7692% | 4,184 |
| Net loans and leases to deposits | 65.0900% | 4,214 |
| Net loans and leases to core deposits | 67.5431% | 4,283 |
| Total domestic deposits to total assets | 85.6801% | 2,419 |
| Equity capital to assets | 14.0058% | 926 |
| Core capital (leverage) ratio | 14.1808% | 859 |
| Tier 1 risk-based capital ratio | 20.5577% | 1,235 |
| Total risk-based capital ratio | 21.0954% | 1,323 |
| Memoranda: | ||
| Average total assets | $70,750,670 | 4,673 |
| Average earning assets | $65,352,000 | 4,672 |
| Average equity | $10,019,670 | 4,377 |
| Average total loans | $40,097,000 | 4,638 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 2,591 |
| Cost of funding earning assets | 0.5067% | 2,746 |
| Net interest margin | 3.7759% | 2,520 |
| Noninterest income to average assets | 0.4061% | 3,416 |
| Noninterest expense to average assets | 2.8094% | 2,659 |
| Loan and lease loss provision to assets | 12.5840% | 1 |
| Net operating income to assets | -8.3059% | 5,601 |
| Return on assets (ROA) | -8.3059% | 5,600 |
| Pretax return on assets | -11.5047% | 5,602 |
| Return on Equity (ROE) | -58.3431% | 5,596 |
| Retained earnings to average equity (ytd only) | -58.3431% | 5,593 |
| Net charge-offs to loans | 37.8286% | 1 |
| Credit loss provision to net charge-offs | 58.4345% | 1,896 |
| Earnings coverage of net charge-offs (x) | 0.0501% | 2,656 |
| Efficiency ratio | 72.2461% | 2,156 |
| Assets per employee ($millions) | 3.5294% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2583% | 5,503 |
| Loan loss allowance to noncurrent loans | 36.3636% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 3,134 |
| Noncurrent loans to loans | 0.7102% | 2,437 |
| Net loans and leases to total assets | 54.7126% | 4,228 |
| Net loans and leases to deposits | 63.4206% | 4,243 |
| Net loans and leases to core deposits | 65.3823% | 4,352 |
| Total domestic deposits to total assets | 86.2694% | 2,412 |
| Equity capital to assets | 13.3906% | 1,076 |
| Core capital (leverage) ratio | 13.2954% | 1,072 |
| Tier 1 risk-based capital ratio | 19.8923% | 1,363 |
| Total risk-based capital ratio | 20.1010% | 1,549 |
| Memoranda: | ||
| Average total assets | $71,901,000 | 4,709 |
| Average earning assets | $66,315,500 | 4,708 |
| Average equity | $10,236,000 | 4,396 |
| Average total loans | $40,932,000 | 4,666 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 2,204 |
| Cost of funding earning assets | 0.5326% | 2,089 |
| Net interest margin | 3.8094% | 2,386 |
| Noninterest income to average assets | 0.6408% | 2,246 |
| Noninterest expense to average assets | 2.8895% | 2,490 |
| Loan and lease loss provision to assets | 0.1264% | 1,810 |
| Net operating income to assets | 1.0200% | 2,153 |
| Return on assets (ROA) | 1.0200% | 2,188 |
| Pretax return on assets | 1.1692% | 2,899 |
| Return on Equity (ROE) | 7.1774% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.1774% | 1,013 |
| Net charge-offs to loans | 0.6057% | 380 |
| Credit loss provision to net charge-offs | 37.0370% | 3,466 |
| Earnings coverage of net charge-offs (x) | 3.7963% | 3,554 |
| Efficiency ratio | 69.0426% | 2,693 |
| Assets per employee ($millions) | 3.6877% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2228% | 355 |
| Loan loss allowance to noncurrent loans | 31.5046% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 4.1612% | 138 |
| Noncurrent loans to loans | 7.0554% | 61 |
| Net loans and leases to total assets | 57.1977% | 4,085 |
| Net loans and leases to deposits | 68.1282% | 4,018 |
| Net loans and leases to core deposits | 70.1960% | 4,164 |
| Total domestic deposits to total assets | 83.9559% | 3,228 |
| Equity capital to assets | 15.6712% | 556 |
| Core capital (leverage) ratio | 15.5165% | 540 |
| Tier 1 risk-based capital ratio | 21.3224% | 1,092 |
| Total risk-based capital ratio | 22.5781% | 1,070 |
| Memoranda: | ||
| Average total assets | $79,114,400 | 4,610 |
| Average earning assets | $73,607,400 | 4,587 |
| Average equity | $11,243,600 | 4,268 |
| Average total loans | $44,573,600 | 4,603 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 1,965 |
| Cost of funding earning assets | 0.5384% | 1,966 |
| Net interest margin | 3.8615% | 2,180 |
| Noninterest income to average assets | 0.5353% | 2,800 |
| Noninterest expense to average assets | 2.7957% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1368% | 1,923 |
| Return on assets (ROA) | 1.1368% | 1,985 |
| Pretax return on assets | 1.3291% | 2,366 |
| Return on Equity (ROE) | 8.1920% | 3,026 |
| Retained earnings to average equity (ytd only) | 8.1920% | 1,143 |
| Net charge-offs to loans | 0.7241% | 258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.2868% | 3,358 |
| Efficiency ratio | 67.7782% | 2,918 |
| Assets per employee ($millions) | 3.8567% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0420% | 531 |
| Loan loss allowance to noncurrent loans | 105.6086% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 2.1573% | 576 |
| Noncurrent loans to loans | 1.9336% | 893 |
| Net loans and leases to total assets | 55.0400% | 4,318 |
| Net loans and leases to deposits | 67.1156% | 4,174 |
| Net loans and leases to core deposits | 69.3976% | 4,276 |
| Total domestic deposits to total assets | 82.0077% | 3,778 |
| Equity capital to assets | 15.0001% | 728 |
| Core capital (leverage) ratio | 14.5469% | 758 |
| Tier 1 risk-based capital ratio | 20.8890% | 1,213 |
| Total risk-based capital ratio | 22.1431% | 1,181 |
| Memoranda: | ||
| Average total assets | $80,454,750 | 4,623 |
| Average earning assets | $74,788,000 | 4,615 |
| Average equity | $11,165,000 | 4,320 |
| Average total loans | $44,931,000 | 4,637 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 1,775 |
| Cost of funding earning assets | 0.5355% | 1,875 |
| Net interest margin | 3.8757% | 2,016 |
| Noninterest income to average assets | 0.5910% | 2,505 |
| Noninterest expense to average assets | 2.7734% | 2,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2310% | 1,496 |
| Return on assets (ROA) | 1.2310% | 1,531 |
| Pretax return on assets | 1.4026% | 2,013 |
| Return on Equity (ROE) | 9.1024% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.1024% | 811 |
| Net charge-offs to loans | 0.1056% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,661 |
| Efficiency ratio | 66.4122% | 3,282 |
| Assets per employee ($millions) | 4.0991% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5365% | 273 |
| Loan loss allowance to noncurrent loans | 69.7161% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 3.0312% | 301 |
| Noncurrent loans to loans | 3.6383% | 296 |
| Net loans and leases to total assets | 51.7913% | 4,591 |
| Net loans and leases to deposits | 63.7896% | 4,380 |
| Net loans and leases to core deposits | 65.8422% | 4,478 |
| Total domestic deposits to total assets | 81.1908% | 4,133 |
| Equity capital to assets | 13.8959% | 1,000 |
| Core capital (leverage) ratio | 13.9638% | 877 |
| Tier 1 risk-based capital ratio | 20.1644% | 1,337 |
| Total risk-based capital ratio | 21.4235% | 1,305 |
| Memoranda: | ||
| Average total assets | $81,562,000 | 4,636 |
| Average earning assets | $75,443,670 | 4,625 |
| Average equity | $11,030,000 | 4,356 |
| Average total loans | $45,461,670 | 4,650 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 1,601 |
| Cost of funding earning assets | 0.5188% | 1,948 |
| Net interest margin | 3.8959% | 1,791 |
| Noninterest income to average assets | 0.3294% | 4,191 |
| Noninterest expense to average assets | 2.7289% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0424% | 2,109 |
| Return on assets (ROA) | 1.0424% | 2,158 |
| Pretax return on assets | 1.2194% | 2,514 |
| Return on Equity (ROE) | 7.8164% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.8164% | 1,542 |
| Net charge-offs to loans | 0.1810% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 11.8095% | 1,869 |
| Efficiency ratio | 69.1158% | 3,023 |
| Assets per employee ($millions) | 4.0457% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3901% | 360 |
| Loan loss allowance to noncurrent loans | 44.0907% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 3.1058% | 310 |
| Noncurrent loans to loans | 5.4209% | 140 |
| Net loans and leases to total assets | 55.9243% | 4,178 |
| Net loans and leases to deposits | 69.6154% | 3,839 |
| Net loans and leases to core deposits | 71.9076% | 3,993 |
| Total domestic deposits to total assets | 80.3332% | 4,554 |
| Equity capital to assets | 13.6047% | 1,034 |
| Core capital (leverage) ratio | 13.7411% | 904 |
| Tier 1 risk-based capital ratio | 18.5708% | 1,724 |
| Total risk-based capital ratio | 19.8287% | 1,682 |
| Memoranda: | ||
| Average total assets | $81,352,500 | 4,688 |
| Average earning assets | $75,566,000 | 4,665 |
| Average equity | $10,849,000 | 4,411 |
| Average total loans | $46,410,500 | 4,664 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,407 |
| Cost of funding earning assets | 0.5348% | 1,829 |
| Net interest margin | 3.6894% | 2,744 |
| Noninterest income to average assets | 0.3027% | 4,579 |
| Noninterest expense to average assets | 2.6864% | 3,383 |
| Loan and lease loss provision to assets | 0.1192% | 2,078 |
| Net operating income to assets | 1.0655% | 2,060 |
| Return on assets (ROA) | 1.0726% | 2,128 |
| Pretax return on assets | 0.9737% | 3,570 |
| Return on Equity (ROE) | 8.1787% | 2,845 |
| Retained earnings to average equity (ytd only) | 3.5986% | 3,364 |
| Net charge-offs to loans | 0.0403% | 3,223 |
| Credit loss provision to net charge-offs | 555.5556% | 607 |
| Earnings coverage of net charge-offs (x) | 50.6111% | 1,000 |
| Efficiency ratio | 71.2164% | 2,708 |
| Assets per employee ($millions) | 4.0896% | 3,806 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4299% | 342 |
| Loan loss allowance to noncurrent loans | 43.4398% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 3.1776% | 296 |
| Noncurrent loans to loans | 5.5937% | 123 |
| Net loans and leases to total assets | 55.4260% | 4,313 |
| Net loans and leases to deposits | 68.5632% | 4,047 |
| Net loans and leases to core deposits | 70.7769% | 4,175 |
| Total domestic deposits to total assets | 80.8392% | 4,373 |
| Equity capital to assets | 13.0697% | 1,228 |
| Core capital (leverage) ratio | 12.8384% | 1,195 |
| Tier 1 risk-based capital ratio | 18.1571% | 1,814 |
| Total risk-based capital ratio | 19.4146% | 1,772 |
| Memoranda: | ||
| Average total assets | $83,905,600 | 4,652 |
| Average earning assets | $78,902,400 | 4,609 |
| Average equity | $11,004,200 | 4,424 |
| Average total loans | $44,694,600 | 4,723 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 2,702 |
| Cost of funding earning assets | 0.5351% | 1,831 |
| Net interest margin | 3.6099% | 3,032 |
| Noninterest income to average assets | 0.2827% | 4,744 |
| Noninterest expense to average assets | 2.5582% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2317% | 1,511 |
| Return on assets (ROA) | 1.2317% | 1,617 |
| Pretax return on assets | 1.1338% | 3,101 |
| Return on Equity (ROE) | 9.3837% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.3837% | 715 |
| Net charge-offs to loans | -0.0030% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2900% | 3,003 |
| Assets per employee ($millions) | 4.3083% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2253% | 491 |
| Loan loss allowance to noncurrent loans | 42.3605% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.8944% | 412 |
| Noncurrent loans to loans | 5.2533% | 153 |
| Net loans and leases to total assets | 53.4393% | 4,542 |
| Net loans and leases to deposits | 69.4772% | 4,030 |
| Net loans and leases to core deposits | 71.6134% | 4,189 |
| Total domestic deposits to total assets | 76.9164% | 5,108 |
| Equity capital to assets | 13.3152% | 1,340 |
| Core capital (leverage) ratio | 13.6397% | 958 |
| Tier 1 risk-based capital ratio | 18.1321% | 1,878 |
| Total risk-based capital ratio | 19.3884% | 1,846 |
| Memoranda: | ||
| Average total assets | $84,434,000 | 4,676 |
| Average earning assets | $79,740,500 | 4,629 |
| Average equity | $11,082,750 | 4,458 |
| Average total loans | $44,252,500 | 4,778 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 2,622 |
| Cost of funding earning assets | 0.5593% | 1,626 |
| Net interest margin | 3.6049% | 3,085 |
| Noninterest income to average assets | 0.3220% | 4,482 |
| Noninterest expense to average assets | 2.6593% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1997% | 1,602 |
| Return on assets (ROA) | 1.1997% | 1,695 |
| Pretax return on assets | 1.0756% | 3,301 |
| Return on Equity (ROE) | 9.1850% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.1850% | 801 |
| Net charge-offs to loans | -0.0139% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2005% | 2,787 |
| Assets per employee ($millions) | 4.0951% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3822% | 415 |
| Loan loss allowance to noncurrent loans | 40.0458% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.2258% | 365 |
| Noncurrent loans to loans | 5.9487% | 126 |
| Net loans and leases to total assets | 52.5354% | 4,627 |
| Net loans and leases to deposits | 64.1801% | 4,480 |
| Net loans and leases to core deposits | 66.1272% | 4,602 |
| Total domestic deposits to total assets | 81.8561% | 4,037 |
| Equity capital to assets | 13.8142% | 1,087 |
| Core capital (leverage) ratio | 13.0399% | 1,132 |
| Tier 1 risk-based capital ratio | 18.4228% | 1,817 |
| Total risk-based capital ratio | 19.6795% | 1,778 |
| Memoranda: | ||
| Average total assets | $83,857,000 | 4,725 |
| Average earning assets | $79,391,330 | 4,670 |
| Average equity | $10,952,670 | 4,501 |
| Average total loans | $43,305,330 | 4,852 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,112 |
| Cost of funding earning assets | 0.5870% | 1,431 |
| Net interest margin | 3.4426% | 3,704 |
| Noninterest income to average assets | 0.3301% | 4,368 |
| Noninterest expense to average assets | 2.4330% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2306% | 1,451 |
| Return on assets (ROA) | 1.2306% | 1,562 |
| Pretax return on assets | 1.1599% | 2,853 |
| Return on Equity (ROE) | 9.6918% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.6918% | 925 |
| Net charge-offs to loans | -0.0280% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7165% | 3,513 |
| Assets per employee ($millions) | 4.4117% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4538% | 406 |
| Loan loss allowance to noncurrent loans | 34.0688% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 3.7007% | 288 |
| Noncurrent loans to loans | 7.2024% | 93 |
| Net loans and leases to total assets | 49.7972% | 4,824 |
| Net loans and leases to deposits | 61.4606% | 4,618 |
| Net loans and leases to core deposits | 63.2967% | 4,734 |
| Total domestic deposits to total assets | 81.0229% | 4,490 |
| Equity capital to assets | 13.0753% | 1,374 |
| Core capital (leverage) ratio | 12.5716% | 1,308 |
| Tier 1 risk-based capital ratio | 19.0365% | 1,730 |
| Total risk-based capital ratio | 20.2946% | 1,686 |
| Memoranda: | ||
| Average total assets | $84,835,000 | 4,752 |
| Average earning assets | $80,405,000 | 4,695 |
| Average equity | $10,772,000 | 4,544 |
| Average total loans | $42,919,500 | 4,904 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 2,113 |
| Cost of funding earning assets | 0.5680% | 1,611 |
| Net interest margin | 3.7645% | 2,505 |
| Noninterest income to average assets | 0.3197% | 4,607 |
| Noninterest expense to average assets | 2.4345% | 4,425 |
| Loan and lease loss provision to assets | 0.3646% | 395 |
| Net operating income to assets | 0.8885% | 2,937 |
| Return on assets (ROA) | 0.8885% | 3,017 |
| Pretax return on assets | 1.1133% | 2,984 |
| Return on Equity (ROE) | 6.8619% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.3561% | 4,379 |
| Net charge-offs to loans | -0.1462% | 5,887 |
| Credit loss provision to net charge-offs | -508.4746% | 5,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2243% | 4,568 |
| Assets per employee ($millions) | 4.2924% | 3,399 |
| Cash dividends to net income (ytd only)* | 65.6635% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4322% | 439 |
| Loan loss allowance to noncurrent loans | 588.2022% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 4,674 |
| Noncurrent loans to loans | 0.4135% | 3,968 |
| Net loans and leases to total assets | 48.9248% | 4,946 |
| Net loans and leases to deposits | 60.8199% | 4,714 |
| Net loans and leases to core deposits | 62.6021% | 4,835 |
| Total domestic deposits to total assets | 80.4422% | 4,627 |
| Equity capital to assets | 12.3288% | 1,718 |
| Core capital (leverage) ratio | 12.5234% | 1,338 |
| Tier 1 risk-based capital ratio | 18.1298% | 1,926 |
| Total risk-based capital ratio | 19.3862% | 1,887 |
| Memoranda: | ||
| Average total assets | $82,274,600 | 4,821 |
| Average earning assets | $78,523,400 | 4,750 |
| Average equity | $10,653,000 | 4,545 |
| Average total loans | $40,360,000 | 5,001 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,097 |
| Cost of funding earning assets | 0.5733% | 1,593 |
| Net interest margin | 3.7701% | 2,492 |
| Noninterest income to average assets | 0.3588% | 4,373 |
| Noninterest expense to average assets | 2.3330% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3615% | 1,201 |
| Return on assets (ROA) | 1.3615% | 1,251 |
| Pretax return on assets | 1.6351% | 1,281 |
| Return on Equity (ROE) | 10.3837% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.3837% | 573 |
| Net charge-offs to loans | -0.1982% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7944% | 5,032 |
| Assets per employee ($millions) | 4.0966% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 1,180 |
| Loan loss allowance to noncurrent loans | 321.9828% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 4,537 |
| Noncurrent loans to loans | 0.5737% | 3,614 |
| Net loans and leases to total assets | 48.4438% | 5,050 |
| Net loans and leases to deposits | 58.3674% | 4,968 |
| Net loans and leases to core deposits | 59.8757% | 5,074 |
| Total domestic deposits to total assets | 82.9981% | 3,826 |
| Equity capital to assets | 13.6076% | 1,176 |
| Core capital (leverage) ratio | 13.5854% | 984 |
| Tier 1 risk-based capital ratio | 20.1540% | 1,505 |
| Total risk-based capital ratio | 21.4048% | 1,478 |
| Memoranda: | ||
| Average total assets | $81,381,250 | 4,893 |
| Average earning assets | $77,910,250 | 4,821 |
| Average equity | $10,670,250 | 4,591 |
| Average total loans | $39,688,000 | 5,077 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,043 |
| Cost of funding earning assets | 0.5789% | 1,575 |
| Net interest margin | 3.7617% | 2,469 |
| Noninterest income to average assets | 0.3227% | 4,641 |
| Noninterest expense to average assets | 2.3745% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2931% | 1,343 |
| Return on assets (ROA) | 1.2931% | 1,402 |
| Pretax return on assets | 1.5493% | 1,490 |
| Return on Equity (ROE) | 9.9898% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.9898% | 663 |
| Net charge-offs to loans | -0.2941% | 6,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5148% | 4,911 |
| Assets per employee ($millions) | 3.8476% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 1,245 |
| Loan loss allowance to noncurrent loans | 188.8608% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 3,903 |
| Noncurrent loans to loans | 0.9855% | 2,668 |
| Net loans and leases to total assets | 48.6838% | 5,037 |
| Net loans and leases to deposits | 58.4835% | 4,955 |
| Net loans and leases to core deposits | 60.0092% | 5,074 |
| Total domestic deposits to total assets | 83.2436% | 3,854 |
| Equity capital to assets | 13.2378% | 1,285 |
| Core capital (leverage) ratio | 12.9994% | 1,169 |
| Tier 1 risk-based capital ratio | 19.5228% | 1,665 |
| Total risk-based capital ratio | 20.7746% | 1,627 |
| Memoranda: | ||
| Average total assets | $81,197,670 | 4,950 |
| Average earning assets | $77,730,330 | 4,876 |
| Average equity | $10,510,670 | 4,650 |
| Average total loans | $39,438,000 | 5,132 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 2,175 |
| Cost of funding earning assets | 0.5904% | 1,502 |
| Net interest margin | 3.6859% | 2,673 |
| Noninterest income to average assets | 0.3243% | 4,592 |
| Noninterest expense to average assets | 2.4080% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2384% | 1,437 |
| Return on assets (ROA) | 1.2384% | 1,523 |
| Pretax return on assets | 1.4448% | 1,735 |
| Return on Equity (ROE) | 9.6756% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.6756% | 997 |
| Net charge-offs to loans | -0.5829% | 6,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 4,704 |
| Assets per employee ($millions) | 4.0822% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 1,304 |
| Loan loss allowance to noncurrent loans | 591.2698% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 5,145 |
| Noncurrent loans to loans | 0.3198% | 4,648 |
| Net loans and leases to total assets | 47.3495% | 5,097 |
| Net loans and leases to deposits | 56.7657% | 5,001 |
| Net loans and leases to core deposits | 58.4479% | 5,090 |
| Total domestic deposits to total assets | 83.4121% | 4,040 |
| Equity capital to assets | 13.0187% | 1,391 |
| Core capital (leverage) ratio | 12.6338% | 1,301 |
| Tier 1 risk-based capital ratio | 18.9837% | 1,876 |
| Total risk-based capital ratio | 20.2348% | 1,833 |
| Memoranda: | ||
| Average total assets | $81,397,000 | 5,000 |
| Average earning assets | $77,917,500 | 4,919 |
| Average equity | $10,418,000 | 4,705 |
| Average total loans | $39,116,000 | 5,173 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 1,718 |
| Cost of funding earning assets | 0.6092% | 1,688 |
| Net interest margin | 3.9337% | 2,104 |
| Noninterest income to average assets | 0.3721% | 4,410 |
| Noninterest expense to average assets | 2.6035% | 4,202 |
| Loan and lease loss provision to assets | 0.1261% | 2,078 |
| Net operating income to assets | 1.2336% | 1,484 |
| Return on assets (ROA) | 1.2336% | 1,537 |
| Pretax return on assets | 1.3812% | 1,950 |
| Return on Equity (ROE) | 9.5755% | 2,304 |
| Retained earnings to average equity (ytd only) | 2.5260% | 4,442 |
| Net charge-offs to loans | 0.1505% | 2,530 |
| Credit loss provision to net charge-offs | 172.4138% | 1,407 |
| Earnings coverage of net charge-offs (x) | 20.6034% | 1,720 |
| Efficiency ratio | 63.3323% | 4,696 |
| Assets per employee ($millions) | 4.0575% | 3,816 |
| Cash dividends to net income (ytd only)* | 73.6196% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 1,590 |
| Loan loss allowance to noncurrent loans | 333.9806% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 4,825 |
| Noncurrent loans to loans | 0.5305% | 4,076 |
| Net loans and leases to total assets | 47.0006% | 5,250 |
| Net loans and leases to deposits | 57.8034% | 5,079 |
| Net loans and leases to core deposits | 59.5702% | 5,168 |
| Total domestic deposits to total assets | 81.3112% | 4,651 |
| Equity capital to assets | 12.5779% | 1,597 |
| Core capital (leverage) ratio | 12.3270% | 1,436 |
| Tier 1 risk-based capital ratio | 18.7940% | 1,911 |
| Total risk-based capital ratio | 20.0450% | 1,873 |
| Memoranda: | ||
| Average total assets | $79,279,400 | 5,081 |
| Average earning assets | $75,348,800 | 5,012 |
| Average equity | $10,213,600 | 4,705 |
| Average total loans | $38,535,200 | 5,232 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 1,597 |
| Cost of funding earning assets | 0.6130% | 1,736 |
| Net interest margin | 3.9757% | 1,947 |
| Noninterest income to average assets | 0.3671% | 4,488 |
| Noninterest expense to average assets | 2.6087% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2823% | 1,423 |
| Return on assets (ROA) | 1.2823% | 1,476 |
| Pretax return on assets | 1.5327% | 1,533 |
| Return on Equity (ROE) | 9.8934% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.8934% | 742 |
| Net charge-offs to loans | 0.1144% | 2,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 27.4539% | 1,447 |
| Efficiency ratio | 62.9902% | 4,726 |
| Assets per employee ($millions) | 4.2614% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 2,491 |
| Loan loss allowance to noncurrent loans | 253.3058% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 4,829 |
| Noncurrent loans to loans | 0.6129% | 4,086 |
| Net loans and leases to total assets | 48.0090% | 5,202 |
| Net loans and leases to deposits | 59.5971% | 4,977 |
| Net loans and leases to core deposits | 61.4377% | 5,080 |
| Total domestic deposits to total assets | 80.5560% | 4,948 |
| Equity capital to assets | 13.2549% | 1,297 |
| Core capital (leverage) ratio | 13.2491% | 1,085 |
| Tier 1 risk-based capital ratio | 19.2528% | 1,839 |
| Total risk-based capital ratio | 20.3651% | 1,841 |
| Memoranda: | ||
| Average total assets | $78,811,750 | 5,152 |
| Average earning assets | $74,819,750 | 5,073 |
| Average equity | $10,215,250 | 4,744 |
| Average total loans | $38,461,750 | 5,284 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 1,564 |
| Cost of funding earning assets | 0.6096% | 1,817 |
| Net interest margin | 3.9783% | 1,877 |
| Noninterest income to average assets | 0.3637% | 4,519 |
| Noninterest expense to average assets | 2.5738% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2805% | 1,365 |
| Return on assets (ROA) | 1.2805% | 1,419 |
| Pretax return on assets | 1.5673% | 1,338 |
| Return on Equity (ROE) | 9.9572% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.9572% | 723 |
| Net charge-offs to loans | -0.0157% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1521% | 4,987 |
| Assets per employee ($millions) | 3.5982% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 2,162 |
| Loan loss allowance to noncurrent loans | 134.3685% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 3,342 |
| Noncurrent loans to loans | 1.2571% | 2,708 |
| Net loans and leases to total assets | 47.7185% | 5,194 |
| Net loans and leases to deposits | 57.4553% | 5,086 |
| Net loans and leases to core deposits | 59.2125% | 5,187 |
| Total domestic deposits to total assets | 83.0533% | 4,279 |
| Equity capital to assets | 13.2226% | 1,260 |
| Core capital (leverage) ratio | 13.1753% | 1,097 |
| Tier 1 risk-based capital ratio | 18.7873% | 1,977 |
| Total risk-based capital ratio | 19.9652% | 1,961 |
| Memoranda: | ||
| Average total assets | $78,093,670 | 5,205 |
| Average earning assets | $74,152,670 | 5,132 |
| Average equity | $10,043,000 | 4,797 |
| Average total loans | $38,121,000 | 5,334 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 1,398 |
| Cost of funding earning assets | 0.6169% | 1,841 |
| Net interest margin | 4.0237% | 1,671 |
| Noninterest income to average assets | 0.3610% | 4,502 |
| Noninterest expense to average assets | 2.6044% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3770% | 1,043 |
| Return on assets (ROA) | 1.3770% | 1,082 |
| Pretax return on assets | 1.5575% | 1,266 |
| Return on Equity (ROE) | 10.8636% | 1,730 |
| Retained earnings to average equity (ytd only) | 10.8636% | 767 |
| Net charge-offs to loans | -0.0105% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5774% | 5,053 |
| Assets per employee ($millions) | 3.5399% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 2,385 |
| Loan loss allowance to noncurrent loans | 199.6914% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 4,033 |
| Noncurrent loans to loans | 0.8468% | 3,773 |
| Net loans and leases to total assets | 48.3012% | 5,083 |
| Net loans and leases to deposits | 58.0100% | 4,943 |
| Net loans and leases to core deposits | 59.3331% | 5,103 |
| Total domestic deposits to total assets | 83.2636% | 4,512 |
| Equity capital to assets | 12.8855% | 1,364 |
| Core capital (leverage) ratio | 13.1528% | 1,105 |
| Tier 1 risk-based capital ratio | 18.5831% | 2,097 |
| Total risk-based capital ratio | 19.7712% | 2,079 |
| Memoranda: | ||
| Average total assets | $77,560,500 | 5,266 |
| Average earning assets | $73,265,500 | 5,199 |
| Average equity | $9,831,000 | 4,863 |
| Average total loans | $37,970,000 | 5,392 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 1,928 |
| Cost of funding earning assets | 0.6475% | 2,221 |
| Net interest margin | 3.9331% | 2,164 |
| Noninterest income to average assets | 0.3690% | 4,667 |
| Noninterest expense to average assets | 2.5585% | 4,591 |
| Loan and lease loss provision to assets | 0.1299% | 2,689 |
| Net operating income to assets | 1.3228% | 1,200 |
| Return on assets (ROA) | 1.3228% | 1,235 |
| Pretax return on assets | 1.4059% | 1,757 |
| Return on Equity (ROE) | 10.2532% | 2,009 |
| Retained earnings to average equity (ytd only) | 3.2432% | 3,921 |
| Net charge-offs to loans | 0.3229% | 2,069 |
| Credit loss provision to net charge-offs | 86.2069% | 2,866 |
| Earnings coverage of net charge-offs (x) | 10.1897% | 2,407 |
| Efficiency ratio | 62.4881% | 5,123 |
| Assets per employee ($millions) | 3.5110% | 4,879 |
| Cash dividends to net income (ytd only)* | 68.3694% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 2,358 |
| Loan loss allowance to noncurrent loans | 225.0871% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 4,285 |
| Noncurrent loans to loans | 0.7617% | 4,061 |
| Net loans and leases to total assets | 47.9409% | 5,298 |
| Net loans and leases to deposits | 57.4418% | 5,171 |
| Net loans and leases to core deposits | 58.7579% | 5,325 |
| Total domestic deposits to total assets | 83.4600% | 4,378 |
| Equity capital to assets | 12.4633% | 1,530 |
| Core capital (leverage) ratio | 12.7019% | 1,256 |
| Tier 1 risk-based capital ratio | 18.3905% | 2,119 |
| Total risk-based capital ratio | 19.5964% | 2,091 |
| Memoranda: | ||
| Average total assets | $76,958,800 | 5,304 |
| Average earning assets | $72,894,000 | 5,227 |
| Average equity | $9,928,600 | 4,860 |
| Average total loans | $35,924,600 | 5,497 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 1,978 |
| Cost of funding earning assets | 0.6528% | 2,338 |
| Net interest margin | 3.9171% | 2,207 |
| Noninterest income to average assets | 0.3711% | 4,743 |
| Noninterest expense to average assets | 2.4624% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4150% | 1,070 |
| Return on assets (ROA) | 1.4150% | 1,120 |
| Pretax return on assets | 1.6231% | 1,288 |
| Return on Equity (ROE) | 10.8753% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.8753% | 601 |
| Net charge-offs to loans | 0.4396% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.9998% | 2,689 |
| Efficiency ratio | 60.2716% | 5,396 |
| Assets per employee ($millions) | 3.5375% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 3,611 |
| Loan loss allowance to noncurrent loans | 370.7483% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 5,037 |
| Noncurrent loans to loans | 0.3956% | 5,207 |
| Net loans and leases to total assets | 47.0434% | 5,443 |
| Net loans and leases to deposits | 56.7963% | 5,302 |
| Net loans and leases to core deposits | 58.0949% | 5,444 |
| Total domestic deposits to total assets | 82.8284% | 4,642 |
| Equity capital to assets | 13.0650% | 1,310 |
| Core capital (leverage) ratio | 13.4754% | 1,035 |
| Tier 1 risk-based capital ratio | 19.5721% | 1,846 |
| Total risk-based capital ratio | 20.6031% | 1,860 |
| Memoranda: | ||
| Average total assets | $76,887,750 | 5,361 |
| Average earning assets | $72,909,750 | 5,278 |
| Average equity | $10,004,000 | 4,904 |
| Average total loans | $35,486,500 | 5,564 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 1,952 |
| Cost of funding earning assets | 0.6595% | 2,409 |
| Net interest margin | 3.9101% | 2,184 |
| Noninterest income to average assets | 0.3709% | 4,741 |
| Noninterest expense to average assets | 2.4107% | 5,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3947% | 1,095 |
| Return on assets (ROA) | 1.3947% | 1,174 |
| Pretax return on assets | 1.6768% | 1,166 |
| Return on Equity (ROE) | 10.7344% | 1,916 |
| Retained earnings to average equity (ytd only) | 10.7344% | 698 |
| Net charge-offs to loans | 0.6699% | 981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.4872% | 2,887 |
| Efficiency ratio | 58.9776% | 5,604 |
| Assets per employee ($millions) | 3.4782% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,535 |
| Loan loss allowance to noncurrent loans | 201.1070% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 4,645 |
| Noncurrent loans to loans | 0.7516% | 4,421 |
| Net loans and leases to total assets | 46.4095% | 5,490 |
| Net loans and leases to deposits | 55.9542% | 5,350 |
| Net loans and leases to core deposits | 57.2523% | 5,501 |
| Total domestic deposits to total assets | 82.9419% | 4,719 |
| Equity capital to assets | 12.7690% | 1,432 |
| Core capital (leverage) ratio | 13.0015% | 1,158 |
| Tier 1 risk-based capital ratio | 19.4271% | 1,875 |
| Total risk-based capital ratio | 20.4791% | 1,901 |
| Memoranda: | ||
| Average total assets | $76,575,000 | 5,402 |
| Average earning assets | $72,785,000 | 5,312 |
| Average equity | $9,949,330 | 4,958 |
| Average total loans | $34,929,670 | 5,620 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 1,818 |
| Cost of funding earning assets | 0.6535% | 2,622 |
| Net interest margin | 3.9484% | 1,953 |
| Noninterest income to average assets | 0.3603% | 4,784 |
| Noninterest expense to average assets | 2.3864% | 5,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4673% | 919 |
| Return on assets (ROA) | 1.4673% | 1,000 |
| Pretax return on assets | 1.7284% | 1,007 |
| Return on Equity (ROE) | 11.1969% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.1969% | 831 |
| Net charge-offs to loans | -0.0233% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9949% | 5,853 |
| Assets per employee ($millions) | 3.4972% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 2,255 |
| Loan loss allowance to noncurrent loans | 153.3487% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 4,277 |
| Noncurrent loans to loans | 1.2506% | 3,683 |
| Net loans and leases to total assets | 44.1376% | 5,649 |
| Net loans and leases to deposits | 54.8053% | 5,374 |
| Net loans and leases to core deposits | 56.1065% | 5,511 |
| Total domestic deposits to total assets | 80.5352% | 5,617 |
| Equity capital to assets | 13.2027% | 1,339 |
| Core capital (leverage) ratio | 12.8148% | 1,188 |
| Tier 1 risk-based capital ratio | 19.2388% | 1,969 |
| Total risk-based capital ratio | 20.4898% | 1,943 |
| Memoranda: | ||
| Average total assets | $76,602,000 | 5,448 |
| Average earning assets | $72,840,500 | 5,361 |
| Average equity | $10,038,500 | 4,977 |
| Average total loans | $34,365,500 | 5,693 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 1,541 |
| Cost of funding earning assets | 0.6946% | 3,536 |
| Net interest margin | 4.3130% | 1,379 |
| Noninterest income to average assets | 0.4544% | 4,221 |
| Noninterest expense to average assets | 2.5180% | 5,039 |
| Loan and lease loss provision to assets | 0.4733% | 1,307 |
| Net operating income to assets | 1.5551% | 823 |
| Return on assets (ROA) | 1.5551% | 903 |
| Pretax return on assets | 1.5605% | 1,488 |
| Return on Equity (ROE) | 11.6185% | 1,617 |
| Retained earnings to average equity (ytd only) | 4.3443% | 3,172 |
| Net charge-offs to loans | 0.3770% | 2,748 |
| Credit loss provision to net charge-offs | 280.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 12.0320% | 1,969 |
| Efficiency ratio | 55.3179% | 6,136 |
| Assets per employee ($millions) | 3.8133% | 4,342 |
| Cash dividends to net income (ytd only)* | 62.6087% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 2,172 |
| Loan loss allowance to noncurrent loans | 344.7917% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 5,143 |
| Noncurrent loans to loans | 0.5629% | 5,123 |
| Net loans and leases to total assets | 43.8550% | 5,833 |
| Net loans and leases to deposits | 54.3643% | 5,619 |
| Net loans and leases to core deposits | 55.6626% | 5,739 |
| Total domestic deposits to total assets | 80.6687% | 5,495 |
| Equity capital to assets | 13.0060% | 1,454 |
| Core capital (leverage) ratio | 12.5667% | 1,299 |
| Tier 1 risk-based capital ratio | 18.9506% | 1,971 |
| Total risk-based capital ratio | 20.2668% | 1,925 |
| Memoranda: | ||
| Average total assets | $73,948,600 | 5,518 |
| Average earning assets | $70,253,200 | 5,421 |
| Average equity | $9,898,000 | 4,998 |
| Average total loans | $33,152,200 | 5,793 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 2,774 |
| Cost of funding earning assets | 0.7033% | 3,740 |
| Net interest margin | 4.0056% | 2,485 |
| Noninterest income to average assets | 0.4688% | 4,145 |
| Noninterest expense to average assets | 2.3570% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3593% | 1,309 |
| Return on assets (ROA) | 1.3593% | 1,444 |
| Pretax return on assets | 1.9208% | 833 |
| Return on Equity (ROE) | 10.0812% | 2,313 |
| Retained earnings to average equity (ytd only) | 10.0812% | 894 |
| Net charge-offs to loans | 0.0567% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 75.4847% | 542 |
| Efficiency ratio | 55.0977% | 6,146 |
| Assets per employee ($millions) | 3.6969% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 4,911 |
| Loan loss allowance to noncurrent loans | 74.8673% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0549% | 4,187 |
| Noncurrent loans to loans | 1.7068% | 3,219 |
| Net loans and leases to total assets | 44.1992% | 5,948 |
| Net loans and leases to deposits | 54.2497% | 5,792 |
| Net loans and leases to core deposits | 55.8213% | 5,904 |
| Total domestic deposits to total assets | 81.4737% | 5,198 |
| Equity capital to assets | 13.9441% | 1,183 |
| Core capital (leverage) ratio | 13.6055% | 979 |
| Tier 1 risk-based capital ratio | 20.0346% | 1,746 |
| Total risk-based capital ratio | 20.8950% | 1,818 |
| Memoranda: | ||
| Average total assets | $73,369,500 | 5,593 |
| Average earning assets | $69,767,500 | 5,496 |
| Average equity | $9,892,750 | 5,049 |
| Average total loans | $32,913,250 | 5,879 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 2,831 |
| Cost of funding earning assets | 0.7006% | 4,011 |
| Net interest margin | 4.0226% | 2,405 |
| Noninterest income to average assets | 0.4755% | 4,091 |
| Noninterest expense to average assets | 2.3640% | 5,580 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3337% | 1,349 |
| Return on assets (ROA) | 1.3337% | 1,502 |
| Pretax return on assets | 1.9404% | 784 |
| Return on Equity (ROE) | 10.0065% | 2,347 |
| Retained earnings to average equity (ytd only) | 10.0065% | 973 |
| Net charge-offs to loans | 0.0183% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 236.6667% | 180 |
| Efficiency ratio | 54.9206% | 6,235 |
| Assets per employee ($millions) | 3.6167% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 4,823 |
| Loan loss allowance to noncurrent loans | 71.0311% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 4,108 |
| Noncurrent loans to loans | 1.8527% | 3,144 |
| Net loans and leases to total assets | 44.9933% | 5,925 |
| Net loans and leases to deposits | 55.2584% | 5,739 |
| Net loans and leases to core deposits | 56.8829% | 5,873 |
| Total domestic deposits to total assets | 81.4234% | 5,324 |
| Equity capital to assets | 13.9964% | 1,099 |
| Core capital (leverage) ratio | 13.1282% | 1,113 |
| Tier 1 risk-based capital ratio | 19.9987% | 1,701 |
| Total risk-based capital ratio | 20.9039% | 1,766 |
| Memoranda: | ||
| Average total assets | $73,180,000 | 5,632 |
| Average earning assets | $69,655,670 | 5,534 |
| Average equity | $9,753,670 | 5,090 |
| Average total loans | $32,850,000 | 5,915 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 2,975 |
| Cost of funding earning assets | 0.7208% | 4,102 |
| Net interest margin | 3.9986% | 2,515 |
| Noninterest income to average assets | 0.4511% | 4,286 |
| Noninterest expense to average assets | 2.4184% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2771% | 1,512 |
| Return on assets (ROA) | 1.2771% | 1,686 |
| Pretax return on assets | 1.8314% | 1,014 |
| Return on Equity (ROE) | 9.8239% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.8239% | 1,314 |
| Net charge-offs to loans | 0.0366% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 112.3333% | 314 |
| Efficiency ratio | 56.9054% | 6,037 |
| Assets per employee ($millions) | 3.5133% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,907 |
| Loan loss allowance to noncurrent loans | 89.4845% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 4,484 |
| Noncurrent loans to loans | 1.4816% | 3,895 |
| Net loans and leases to total assets | 43.7788% | 6,034 |
| Net loans and leases to deposits | 52.9908% | 5,902 |
| Net loans and leases to core deposits | 54.4918% | 6,024 |
| Total domestic deposits to total assets | 82.6159% | 5,073 |
| Equity capital to assets | 13.0442% | 1,419 |
| Core capital (leverage) ratio | 12.6617% | 1,264 |
| Tier 1 risk-based capital ratio | 19.1893% | 1,939 |
| Total risk-based capital ratio | 20.0814% | 2,006 |
| Memoranda: | ||
| Average total assets | $73,603,500 | 5,660 |
| Average earning assets | $69,924,500 | 5,567 |
| Average equity | $9,568,500 | 5,155 |
| Average total loans | $32,785,500 | 5,964 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 3,543 |
| Cost of funding earning assets | 0.8248% | 4,675 |
| Net interest margin | 4.0354% | 2,705 |
| Noninterest income to average assets | 0.4319% | 4,360 |
| Noninterest expense to average assets | 2.5656% | 5,223 |
| Loan and lease loss provision to assets | 0.3911% | 2,645 |
| Net operating income to assets | 0.8948% | 2,624 |
| Return on assets (ROA) | 0.8760% | 2,849 |
| Pretax return on assets | 1.2753% | 2,218 |
| Return on Equity (ROE) | 6.7781% | 3,501 |
| Retained earnings to average equity (ytd only) | 0.9773% | 5,401 |
| Net charge-offs to loans | 0.6766% | 2,463 |
| Credit loss provision to net charge-offs | 128.0000% | 2,424 |
| Earnings coverage of net charge-offs (x) | 5.5422% | 2,759 |
| Efficiency ratio | 60.2360% | 5,719 |
| Assets per employee ($millions) | 3.4965% | 5,021 |
| Cash dividends to net income (ytd only)* | 85.5814% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 4,746 |
| Loan loss allowance to noncurrent loans | 67.4383% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1835% | 4,267 |
| Noncurrent loans to loans | 1.9734% | 3,241 |
| Net loans and leases to total assets | 44.1255% | 6,202 |
| Net loans and leases to deposits | 53.7527% | 6,094 |
| Net loans and leases to core deposits | 55.2892% | 6,205 |
| Total domestic deposits to total assets | 82.0897% | 5,098 |
| Equity capital to assets | 12.9557% | 1,510 |
| Core capital (leverage) ratio | 12.3440% | 1,416 |
| Tier 1 risk-based capital ratio | 18.6378% | 2,012 |
| Total risk-based capital ratio | 19.5327% | 2,078 |
| Memoranda: | ||
| Average total assets | $73,629,200 | 5,654 |
| Average earning assets | $69,831,800 | 5,542 |
| Average equity | $9,516,000 | 5,148 |
| Average total loans | $33,255,600 | 5,995 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 3,645 |
| Cost of funding earning assets | 0.8471% | 4,795 |
| Net interest margin | 4.0315% | 2,771 |
| Noninterest income to average assets | 0.4325% | 4,420 |
| Noninterest expense to average assets | 2.4701% | 5,563 |
| Loan and lease loss provision to assets | 0.4488% | 2,226 |
| Net operating income to assets | 0.9356% | 2,588 |
| Return on assets (ROA) | 0.9102% | 2,839 |
| Pretax return on assets | 1.3011% | 2,284 |
| Return on Equity (ROE) | 7.0470% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.0470% | 1,944 |
| Net charge-offs to loans | 0.8833% | 1,807 |
| Credit loss provision to net charge-offs | 112.2172% | 2,917 |
| Earnings coverage of net charge-offs (x) | 4.4661% | 3,063 |
| Efficiency ratio | 58.0357% | 6,005 |
| Assets per employee ($millions) | 3.3408% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 5,413 |
| Loan loss allowance to noncurrent loans | 50.4403% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 4,052 |
| Noncurrent loans to loans | 2.4056% | 2,879 |
| Net loans and leases to total assets | 44.4195% | 6,294 |
| Net loans and leases to deposits | 54.2336% | 6,193 |
| Net loans and leases to core deposits | 56.4436% | 6,282 |
| Total domestic deposits to total assets | 81.9040% | 5,132 |
| Equity capital to assets | 13.5325% | 1,357 |
| Core capital (leverage) ratio | 13.0569% | 1,208 |
| Tier 1 risk-based capital ratio | 19.5687% | 1,793 |
| Total risk-based capital ratio | 20.3938% | 1,861 |
| Memoranda: | ||
| Average total assets | $73,679,750 | 5,692 |
| Average earning assets | $69,880,750 | 5,586 |
| Average equity | $9,516,750 | 5,173 |
| Average total loans | $33,360,250 | 6,046 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 3,885 |
| Cost of funding earning assets | 0.8685% | 4,918 |
| Net interest margin | 3.9768% | 2,960 |
| Noninterest income to average assets | 0.4340% | 4,398 |
| Noninterest expense to average assets | 2.4817% | 5,608 |
| Loan and lease loss provision to assets | 0.0814% | 5,291 |
| Net operating income to assets | 1.0995% | 1,873 |
| Return on assets (ROA) | 1.0632% | 2,084 |
| Pretax return on assets | 1.5921% | 1,269 |
| Return on Equity (ROE) | 8.3639% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.3639% | 1,314 |
| Net charge-offs to loans | 0.1076% | 4,615 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 35.3889% | 814 |
| Efficiency ratio | 58.9562% | 6,035 |
| Assets per employee ($millions) | 3.2539% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 5,777 |
| Loan loss allowance to noncurrent loans | 61.5630% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1972% | 4,496 |
| Noncurrent loans to loans | 1.8598% | 3,667 |
| Net loans and leases to total assets | 46.5566% | 6,210 |
| Net loans and leases to deposits | 55.3061% | 6,199 |
| Net loans and leases to core deposits | 57.4195% | 6,310 |
| Total domestic deposits to total assets | 84.1799% | 4,269 |
| Equity capital to assets | 13.5432% | 1,269 |
| Core capital (leverage) ratio | 12.8690% | 1,212 |
| Tier 1 risk-based capital ratio | 19.6620% | 1,676 |
| Total risk-based capital ratio | 20.4694% | 1,749 |
| Memoranda: | ||
| Average total assets | $73,740,670 | 5,728 |
| Average earning assets | $70,006,000 | 5,630 |
| Average equity | $9,373,670 | 5,216 |
| Average total loans | $33,464,330 | 6,108 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 3,613 |
| Cost of funding earning assets | 0.9008% | 4,918 |
| Net interest margin | 3.9939% | 2,710 |
| Noninterest income to average assets | 0.4117% | 4,608 |
| Noninterest expense to average assets | 2.5181% | 5,491 |
| Loan and lease loss provision to assets | 0.0642% | 5,189 |
| Net operating income to assets | 1.1003% | 1,843 |
| Return on assets (ROA) | 1.0265% | 2,136 |
| Pretax return on assets | 1.4916% | 1,474 |
| Return on Equity (ROE) | 8.3360% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.3360% | 1,608 |
| Net charge-offs to loans | 0.0240% | 4,750 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 204 |
| Efficiency ratio | 60.2302% | 5,954 |
| Assets per employee ($millions) | 3.2754% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 5,809 |
| Loan loss allowance to noncurrent loans | 55.6522% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2684% | 4,417 |
| Noncurrent loans to loans | 2.0801% | 3,470 |
| Net loans and leases to total assets | 45.5002% | 6,333 |
| Net loans and leases to deposits | 53.5272% | 6,342 |
| Net loans and leases to core deposits | 56.3835% | 6,385 |
| Total domestic deposits to total assets | 85.0040% | 4,033 |
| Equity capital to assets | 12.9755% | 1,392 |
| Core capital (leverage) ratio | 12.4680% | 1,338 |
| Tier 1 risk-based capital ratio | 19.3058% | 1,734 |
| Total risk-based capital ratio | 20.1116% | 1,805 |
| Memoranda: | ||
| Average total assets | $74,818,000 | 5,735 |
| Average earning assets | $70,607,000 | 5,647 |
| Average equity | $9,213,000 | 5,259 |
| Average total loans | $33,339,500 | 6,163 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 5,090 |
| Cost of funding earning assets | 1.0644% | 5,344 |
| Net interest margin | 3.8238% | 3,847 |
| Noninterest income to average assets | 0.4406% | 4,589 |
| Noninterest expense to average assets | 2.5968% | 5,431 |
| Loan and lease loss provision to assets | 0.1377% | 5,798 |
| Net operating income to assets | 0.9555% | 2,187 |
| Return on assets (ROA) | 0.9555% | 2,308 |
| Pretax return on assets | 1.3218% | 1,879 |
| Return on Equity (ROE) | 7.4258% | 2,924 |
| Retained earnings to average equity (ytd only) | 1.0058% | 5,036 |
| Net charge-offs to loans | 0.1311% | 5,593 |
| Credit loss provision to net charge-offs | 232.5581% | 1,266 |
| Earnings coverage of net charge-offs (x) | 24.6512% | 856 |
| Efficiency ratio | 64.0190% | 5,353 |
| Assets per employee ($millions) | 3.5262% | 4,876 |
| Cash dividends to net income (ytd only)* | 86.4553% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,895 |
| Loan loss allowance to noncurrent loans | 59.7444% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 4,820 |
| Noncurrent loans to loans | 1.8682% | 3,728 |
| Net loans and leases to total assets | 42.7111% | 6,810 |
| Net loans and leases to deposits | 54.7796% | 6,542 |
| Net loans and leases to core deposits | 59.2451% | 6,454 |
| Total domestic deposits to total assets | 77.9690% | 6,319 |
| Equity capital to assets | 11.6993% | 2,127 |
| Core capital (leverage) ratio | 12.1083% | 1,477 |
| Tier 1 risk-based capital ratio | 18.2219% | 1,932 |
| Total risk-based capital ratio | 18.9783% | 2,051 |
| Memoranda: | ||
| Average total assets | $72,629,200 | 5,794 |
| Average earning assets | $68,674,800 | 5,711 |
| Average equity | $9,345,800 | 5,318 |
| Average total loans | $32,795,400 | 6,269 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 4,871 |
| Cost of funding earning assets | 1.0918% | 5,471 |
| Net interest margin | 3.8972% | 3,539 |
| Noninterest income to average assets | 0.4557% | 4,517 |
| Noninterest expense to average assets | 2.5193% | 5,639 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1430% | 1,753 |
| Return on assets (ROA) | 1.1430% | 1,862 |
| Pretax return on assets | 1.6229% | 1,286 |
| Return on Equity (ROE) | 8.6684% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.6684% | 1,173 |
| Net charge-offs to loans | 0.1267% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 28.0339% | 922 |
| Efficiency ratio | 60.8206% | 5,820 |
| Assets per employee ($millions) | 3.2019% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 6,862 |
| Loan loss allowance to noncurrent loans | 80.5634% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 6,006 |
| Noncurrent loans to loans | 1.0679% | 5,103 |
| Net loans and leases to total assets | 44.7518% | 6,790 |
| Net loans and leases to deposits | 54.7086% | 6,715 |
| Net loans and leases to core deposits | 58.9972% | 6,668 |
| Total domestic deposits to total assets | 81.8003% | 5,075 |
| Equity capital to assets | 13.4050% | 1,390 |
| Core capital (leverage) ratio | 13.2124% | 1,147 |
| Tier 1 risk-based capital ratio | 20.2512% | 1,498 |
| Total risk-based capital ratio | 20.8591% | 1,596 |
| Memoranda: | ||
| Average total assets | $71,392,250 | 5,906 |
| Average earning assets | $67,534,500 | 5,815 |
| Average equity | $9,413,250 | 5,371 |
| Average total loans | $32,617,250 | 6,360 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0063% | 4,914 |
| Cost of funding earning assets | 1.1102% | 5,619 |
| Net interest margin | 3.8961% | 3,467 |
| Noninterest income to average assets | 0.4502% | 4,514 |
| Noninterest expense to average assets | 2.5424% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1212% | 1,781 |
| Return on assets (ROA) | 1.1212% | 1,848 |
| Pretax return on assets | 1.5940% | 1,323 |
| Return on Equity (ROE) | 8.5526% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.5526% | 1,248 |
| Net charge-offs to loans | 0.0123% | 6,171 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 281.5000% | 119 |
| Efficiency ratio | 61.4648% | 5,774 |
| Assets per employee ($millions) | 3.1385% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 6,579 |
| Loan loss allowance to noncurrent loans | 66.0377% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 5,650 |
| Noncurrent loans to loans | 1.4474% | 4,540 |
| Net loans and leases to total assets | 45.2179% | 6,834 |
| Net loans and leases to deposits | 53.5309% | 6,893 |
| Net loans and leases to core deposits | 57.7206% | 6,847 |
| Total domestic deposits to total assets | 84.4707% | 3,886 |
| Equity capital to assets | 13.1812% | 1,484 |
| Core capital (leverage) ratio | 13.0058% | 1,210 |
| Tier 1 risk-based capital ratio | 23.4642% | 999 |
| Total risk-based capital ratio | 24.2579% | 1,047 |
| Memoranda: | ||
| Average total assets | $70,641,670 | 5,957 |
| Average earning assets | $66,835,330 | 5,870 |
| Average equity | $9,260,330 | 5,430 |
| Average total loans | $32,408,670 | 6,413 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 4,646 |
| Cost of funding earning assets | 1.1328% | 5,747 |
| Net interest margin | 3.9436% | 3,134 |
| Noninterest income to average assets | 0.4408% | 4,557 |
| Noninterest expense to average assets | 2.6449% | 5,167 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1106% | 1,797 |
| Return on assets (ROA) | 1.1106% | 1,879 |
| Pretax return on assets | 1.5228% | 1,463 |
| Return on Equity (ROE) | 8.4967% | 2,666 |
| Retained earnings to average equity (ytd only) | 8.4967% | 1,536 |
| Net charge-offs to loans | -0.0124% | 6,945 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4615% | 5,591 |
| Assets per employee ($millions) | 3.1858% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 6,522 |
| Loan loss allowance to noncurrent loans | 53.9898% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 5,453 |
| Noncurrent loans to loans | 1.8295% | 4,022 |
| Net loans and leases to total assets | 45.4820% | 6,871 |
| Net loans and leases to deposits | 53.0038% | 6,980 |
| Net loans and leases to core deposits | 55.6395% | 7,009 |
| Total domestic deposits to total assets | 85.8091% | 3,256 |
| Equity capital to assets | 13.1751% | 1,456 |
| Core capital (leverage) ratio | 13.0861% | 1,188 |
| Tier 1 risk-based capital ratio | 23.5948% | 1,002 |
| Total risk-based capital ratio | 24.4193% | 1,034 |
| Memoranda: | ||
| Average total assets | $69,869,500 | 6,050 |
| Average earning assets | $66,031,500 | 5,965 |
| Average equity | $9,133,000 | 5,510 |
| Average total loans | $32,135,000 | 6,514 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 5,807 |
| Cost of funding earning assets | 1.2386% | 6,513 |
| Net interest margin | 3.9280% | 3,166 |
| Noninterest income to average assets | 0.5053% | 4,368 |
| Noninterest expense to average assets | 2.6291% | 5,679 |
| Loan and lease loss provision to assets | 0.1465% | 6,192 |
| Net operating income to assets | 1.0326% | 1,735 |
| Return on assets (ROA) | 1.0326% | 1,777 |
| Pretax return on assets | 1.4456% | 1,322 |
| Return on Equity (ROE) | 7.6920% | 2,495 |
| Retained earnings to average equity (ytd only) | 1.1456% | 4,246 |
| Net charge-offs to loans | 0.2264% | 5,206 |
| Credit loss provision to net charge-offs | 138.8889% | 3,530 |
| Earnings coverage of net charge-offs (x) | 15.0972% | 1,330 |
| Efficiency ratio | 62.2831% | 6,110 |
| Assets per employee ($millions) | 3.1660% | 5,802 |
| Cash dividends to net income (ytd only)* | 85.1064% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,451 |
| Loan loss allowance to noncurrent loans | 48.8444% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 5,217 |
| Noncurrent loans to loans | 2.0234% | 3,618 |
| Net loans and leases to total assets | 45.5952% | 7,017 |
| Net loans and leases to deposits | 52.9865% | 7,109 |
| Net loans and leases to core deposits | 65.4035% | 7,009 |
| Total domestic deposits to total assets | 86.0507% | 2,990 |
| Equity capital to assets | 12.9673% | 1,520 |
| Core capital (leverage) ratio | 14.9530% | 798 |
| Tier 1 risk-based capital ratio | 23.3165% | 1,007 |
| Total risk-based capital ratio | 24.1455% | 1,030 |
| Memoranda: | ||
| Average total assets | $68,275,200 | 6,062 |
| Average earning assets | $64,587,400 | 5,973 |
| Average equity | $9,165,400 | 5,559 |
| Average total loans | $31,805,600 | 6,535 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2726% | 5,557 |
| Cost of funding earning assets | 1.2668% | 6,668 |
| Net interest margin | 4.0058% | 2,789 |
| Noninterest income to average assets | 0.5358% | 4,188 |
| Noninterest expense to average assets | 2.5967% | 5,722 |
| Loan and lease loss provision to assets | 0.0981% | 6,386 |
| Net operating income to assets | 1.1639% | 1,555 |
| Return on assets (ROA) | 1.1639% | 1,611 |
| Pretax return on assets | 1.6330% | 1,104 |
| Return on Equity (ROE) | 8.5952% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.5952% | 945 |
| Net charge-offs to loans | 0.3067% | 4,119 |
| Credit loss provision to net charge-offs | 68.4932% | 6,010 |
| Earnings coverage of net charge-offs (x) | 12.0823% | 1,797 |
| Efficiency ratio | 60.0000% | 6,413 |
| Assets per employee ($millions) | 3.0556% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 7,003 |
| Loan loss allowance to noncurrent loans | 55.1867% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 5,670 |
| Noncurrent loans to loans | 1.5171% | 4,381 |
| Net loans and leases to total assets | 46.8664% | 7,048 |
| Net loans and leases to deposits | 55.3525% | 7,131 |
| Net loans and leases to core deposits | 69.0052% | 7,015 |
| Total domestic deposits to total assets | 84.6689% | 3,394 |
| Equity capital to assets | 14.1886% | 1,240 |
| Core capital (leverage) ratio | 15.7785% | 713 |
| Tier 1 risk-based capital ratio | 25.1142% | 886 |
| Total risk-based capital ratio | 25.8245% | 922 |
| Memoranda: | ||
| Average total assets | $67,931,000 | 6,107 |
| Average earning assets | $64,306,000 | 6,023 |
| Average equity | $9,198,750 | 5,594 |
| Average total loans | $31,738,250 | 6,579 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2869% | 5,710 |
| Cost of funding earning assets | 1.3031% | 6,799 |
| Net interest margin | 3.9838% | 2,769 |
| Noninterest income to average assets | 0.4929% | 4,505 |
| Noninterest expense to average assets | 2.5408% | 5,981 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2029% | 1,466 |
| Return on assets (ROA) | 1.2029% | 1,553 |
| Pretax return on assets | 1.7193% | 979 |
| Return on Equity (ROE) | 9.0252% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.0252% | 931 |
| Net charge-offs to loans | 0.1324% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 27.9048% | 1,046 |
| Efficiency ratio | 59.6419% | 6,602 |
| Assets per employee ($millions) | 3.1567% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 7,077 |
| Loan loss allowance to noncurrent loans | 54.4715% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 5,606 |
| Noncurrent loans to loans | 1.5103% | 4,228 |
| Net loans and leases to total assets | 46.5232% | 7,159 |
| Net loans and leases to deposits | 56.7382% | 7,108 |
| Net loans and leases to core deposits | 69.6840% | 7,036 |
| Total domestic deposits to total assets | 81.9963% | 4,697 |
| Equity capital to assets | 13.2778% | 1,571 |
| Core capital (leverage) ratio | 14.3524% | 1,055 |
| Tier 1 risk-based capital ratio | 23.8207% | 1,057 |
| Total risk-based capital ratio | 24.5130% | 1,091 |
| Memoranda: | ||
| Average total assets | $68,167,000 | 6,148 |
| Average earning assets | $64,461,000 | 6,065 |
| Average equity | $9,085,670 | 5,654 |
| Average total loans | $31,727,330 | 6,625 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 4,640 |
| Cost of funding earning assets | 1.3844% | 6,780 |
| Net interest margin | 4.1657% | 2,029 |
| Noninterest income to average assets | 0.5035% | 4,298 |
| Noninterest expense to average assets | 2.4938% | 5,862 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3328% | 1,308 |
| Return on assets (ROA) | 1.3328% | 1,405 |
| Pretax return on assets | 1.9489% | 729 |
| Return on Equity (ROE) | 9.9800% | 2,328 |
| Retained earnings to average equity (ytd only) | 9.9800% | 1,204 |
| Net charge-offs to loans | 0.2683% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,597 |
| Efficiency ratio | 56.1333% | 6,957 |
| Assets per employee ($millions) | 3.2272% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,957 |
| Loan loss allowance to noncurrent loans | 39.8217% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 4,684 |
| Noncurrent loans to loans | 2.1417% | 3,066 |
| Net loans and leases to total assets | 45.9718% | 7,194 |
| Net loans and leases to deposits | 53.9647% | 7,288 |
| Net loans and leases to core deposits | 66.6125% | 7,215 |
| Total domestic deposits to total assets | 85.1886% | 3,110 |
| Equity capital to assets | 13.4451% | 1,553 |
| Core capital (leverage) ratio | 14.2950% | 1,132 |
| Tier 1 risk-based capital ratio | 24.9462% | 987 |
| Total risk-based capital ratio | 24.9462% | 1,093 |
| Memoranda: | ||
| Average total assets | $67,527,000 | 6,196 |
| Average earning assets | $63,854,500 | 6,116 |
| Average equity | $9,018,000 | 5,699 |
| Average total loans | $31,302,500 | 6,684 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1482% | 4,785 |
| Cost of funding earning assets | 1.9317% | 6,637 |
| Net interest margin | 4.2165% | 2,247 |
| Noninterest income to average assets | 0.6504% | 3,475 |
| Noninterest expense to average assets | 2.5033% | 5,991 |
| Loan and lease loss provision to assets | 0.1468% | 5,479 |
| Net operating income to assets | 1.3214% | 1,425 |
| Return on assets (ROA) | 1.3214% | 1,375 |
| Pretax return on assets | 1.9453% | 702 |
| Return on Equity (ROE) | 10.0662% | 2,237 |
| Retained earnings to average equity (ytd only) | 2.9416% | 3,343 |
| Net charge-offs to loans | 0.4907% | 2,398 |
| Credit loss provision to net charge-offs | 64.1026% | 6,176 |
| Earnings coverage of net charge-offs (x) | 9.1346% | 2,749 |
| Efficiency ratio | 54.4728% | 7,218 |
| Assets per employee ($millions) | 3.2039% | 5,476 |
| Cash dividends to net income (ytd only)* | 70.7778% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 6,505 |
| Loan loss allowance to noncurrent loans | 40.9605% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 4,161 |
| Noncurrent loans to loans | 2.2706% | 2,430 |
| Net loans and leases to total assets | 45.9127% | 7,340 |
| Net loans and leases to deposits | 53.7740% | 7,451 |
| Net loans and leases to core deposits | 66.3595% | 7,351 |
| Total domestic deposits to total assets | 85.3809% | 2,677 |
| Equity capital to assets | 13.2636% | 1,683 |
| Core capital (leverage) ratio | 13.6151% | 1,355 |
| Tier 1 risk-based capital ratio | 24.4825% | 1,033 |
| Total risk-based capital ratio | 25.2883% | 1,059 |
| Memoranda: | ||
| Average total assets | $68,111,200 | 6,088 |
| Average earning assets | $63,725,800 | 6,030 |
| Average equity | $8,940,800 | 5,756 |
| Average total loans | $31,790,400 | 6,616 |