Home > Bank of Quincy > Performance and Condition Ratios
Bank of Quincy, Performance and Condition Ratios
| 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 | 4.6031% | 1,322 |
| Cost of funding earning assets | 0.6699% | 984 |
| Net interest margin | 3.9332% | 1,923 |
| Noninterest income to average assets | 0.5144% | 3,266 |
| Noninterest expense to average assets | 2.6146% | 3,818 |
| Loan and lease loss provision to assets | 0.3039% | 475 |
| Net operating income to assets | 1.2565% | 1,462 |
| Return on assets (ROA) | 1.3037% | 1,383 |
| Pretax return on assets | 1.2865% | 2,445 |
| Return on Equity (ROE) | 12.1420% | 1,339 |
| Retained earnings to average equity (ytd only) | 4.3346% | 3,391 |
| Net charge-offs to loans | 0.0167% | 3,618 |
| Credit loss provision to net charge-offs | 2,233.3333% | 167 |
| Earnings coverage of net charge-offs (x) | 113.3970% | 565 |
| Efficiency ratio | 62.8846% | 4,425 |
| Assets per employee ($millions) | 5.2788% | 1,973 |
| Cash dividends to net income (ytd only)* | 64.3007% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 4,079 |
| Loan loss allowance to noncurrent loans | 407.9646% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 2,958 |
| Noncurrent loans to loans | 0.2760% | 4,589 |
| Net loans and leases to total assets | 82.1570% | 564 |
| Net loans and leases to deposits | 103.7579% | 457 |
| Net loans and leases to core deposits | 104.5331% | 1,196 |
| Total domestic deposits to total assets | 79.1815% | 4,934 |
| Equity capital to assets | 10.7546% | 3,295 |
| Core capital (leverage) ratio | 10.8250% | 2,682 |
| Tier 1 risk-based capital ratio | 12.8038% | 4,547 |
| Total risk-based capital ratio | 13.9239% | 4,537 |
| Memoranda: | ||
| Average total assets | $146,963,500 | 3,646 |
| Average earning assets | $136,135,500 | 3,624 |
| Average equity | $15,779,500 | 3,747 |
| Average total loans | $119,877,750 | 3,075 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 1,316 |
| Cost of funding earning assets | 0.6545% | 1,074 |
| Net interest margin | 3.9315% | 1,881 |
| Noninterest income to average assets | 0.4813% | 3,496 |
| Noninterest expense to average assets | 2.5606% | 4,036 |
| Loan and lease loss provision to assets | 0.1841% | 1,102 |
| Net operating income to assets | 1.4071% | 1,080 |
| Return on assets (ROA) | 1.4780% | 985 |
| Pretax return on assets | 1.4439% | 1,823 |
| Return on Equity (ROE) | 13.7732% | 947 |
| Retained earnings to average equity (ytd only) | 7.5346% | 1,458 |
| Net charge-offs to loans | 0.0118% | 3,498 |
| Credit loss provision to net charge-offs | 1,928.5714% | 200 |
| Earnings coverage of net charge-offs (x) | 163.1429% | 404 |
| Efficiency ratio | 62.1854% | 4,649 |
| Assets per employee ($millions) | 4.9240% | 2,370 |
| Cash dividends to net income (ytd only)* | 45.2952% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 5,004 |
| Loan loss allowance to noncurrent loans | 437.5000% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 3,194 |
| Noncurrent loans to loans | 0.2218% | 4,894 |
| Net loans and leases to total assets | 82.2111% | 531 |
| Net loans and leases to deposits | 107.2325% | 326 |
| Net loans and leases to core deposits | 108.0579% | 948 |
| Total domestic deposits to total assets | 76.6661% | 5,507 |
| Equity capital to assets | 10.7933% | 3,115 |
| Core capital (leverage) ratio | 11.0771% | 2,349 |
| Tier 1 risk-based capital ratio | 13.0033% | 4,520 |
| Total risk-based capital ratio | 13.9778% | 4,585 |
| Memoranda: | ||
| Average total assets | $146,682,670 | 3,682 |
| Average earning assets | $135,674,330 | 3,670 |
| Average equity | $15,740,670 | 3,767 |
| Average total loans | $118,898,330 | 3,105 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 1,272 |
| Cost of funding earning assets | 0.6456% | 1,147 |
| Net interest margin | 3.9329% | 1,783 |
| Noninterest income to average assets | 0.4789% | 3,436 |
| Noninterest expense to average assets | 2.5533% | 4,088 |
| Loan and lease loss provision to assets | 0.3694% | 334 |
| Net operating income to assets | 1.2698% | 1,360 |
| Return on assets (ROA) | 1.2753% | 1,431 |
| Pretax return on assets | 1.1959% | 2,688 |
| Return on Equity (ROE) | 11.9189% | 1,373 |
| Retained earnings to average equity (ytd only) | 7.6987% | 1,686 |
| Net charge-offs to loans | -0.0103% | 4,730 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0758% | 4,782 |
| Assets per employee ($millions) | 4.4887% | 3,073 |
| Cash dividends to net income (ytd only)* | 35.4077% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 4,904 |
| Loan loss allowance to noncurrent loans | 468.7500% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 3,263 |
| Noncurrent loans to loans | 0.2185% | 4,996 |
| Net loans and leases to total assets | 80.7417% | 605 |
| Net loans and leases to deposits | 103.0861% | 407 |
| Net loans and leases to core deposits | 104.1171% | 1,061 |
| Total domestic deposits to total assets | 78.3245% | 5,386 |
| Equity capital to assets | 10.9958% | 2,973 |
| Core capital (leverage) ratio | 10.8234% | 2,597 |
| Tier 1 risk-based capital ratio | 13.0713% | 4,561 |
| Total risk-based capital ratio | 14.0776% | 4,630 |
| Memoranda: | ||
| Average total assets | $146,163,500 | 3,712 |
| Average earning assets | $135,066,500 | 3,702 |
| Average equity | $15,639,000 | 3,810 |
| Average total loans | $117,031,000 | 3,141 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,570 |
| Cost of funding earning assets | 0.6760% | 1,231 |
| Net interest margin | 3.9189% | 2,161 |
| Noninterest income to average assets | 0.4961% | 3,542 |
| Noninterest expense to average assets | 2.7610% | 3,633 |
| Loan and lease loss provision to assets | 0.2030% | 1,246 |
| Net operating income to assets | 1.1316% | 1,854 |
| Return on assets (ROA) | 1.1392% | 1,885 |
| Pretax return on assets | 1.1690% | 2,785 |
| Return on Equity (ROE) | 10.5860% | 1,864 |
| Retained earnings to average equity (ytd only) | 4.2608% | 3,156 |
| Net charge-offs to loans | 0.1953% | 2,103 |
| Credit loss provision to net charge-offs | 131.1927% | 1,819 |
| Earnings coverage of net charge-offs (x) | 8.8165% | 2,826 |
| Efficiency ratio | 66.9305% | 4,069 |
| Assets per employee ($millions) | 3.9129% | 4,131 |
| Cash dividends to net income (ytd only)* | 59.7508% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 5,451 |
| Loan loss allowance to noncurrent loans | 379.2857% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 3,341 |
| Noncurrent loans to loans | 0.2395% | 4,972 |
| Net loans and leases to total assets | 77.8970% | 1,010 |
| Net loans and leases to deposits | 107.5301% | 310 |
| Net loans and leases to core deposits | 108.9175% | 832 |
| Total domestic deposits to total assets | 72.4420% | 6,052 |
| Equity capital to assets | 10.4136% | 3,595 |
| Core capital (leverage) ratio | 10.7312% | 2,691 |
| Tier 1 risk-based capital ratio | 12.8909% | 4,800 |
| Total risk-based capital ratio | 13.7901% | 4,931 |
| Memoranda: | ||
| Average total assets | $140,890,800 | 3,784 |
| Average earning assets | $130,469,200 | 3,759 |
| Average equity | $15,161,600 | 3,806 |
| Average total loans | $111,639,200 | 3,187 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,584 |
| Cost of funding earning assets | 0.6872% | 1,222 |
| Net interest margin | 3.9051% | 2,215 |
| Noninterest income to average assets | 0.5230% | 3,381 |
| Noninterest expense to average assets | 2.7704% | 3,573 |
| Loan and lease loss provision to assets | 0.0250% | 3,906 |
| Net operating income to assets | 1.3176% | 1,320 |
| Return on assets (ROA) | 1.3176% | 1,380 |
| Pretax return on assets | 1.3483% | 2,202 |
| Return on Equity (ROE) | 12.1386% | 1,445 |
| Retained earnings to average equity (ytd only) | 6.6572% | 2,007 |
| Net charge-offs to loans | -0.0592% | 5,970 |
| Credit loss provision to net charge-offs | -53.0612% | 5,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8597% | 4,068 |
| Assets per employee ($millions) | 3.6672% | 4,543 |
| Cash dividends to net income (ytd only)* | 45.1568% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 5,562 |
| Loan loss allowance to noncurrent loans | 83.2555% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 3,014 |
| Noncurrent loans to loans | 1.0964% | 2,874 |
| Net loans and leases to total assets | 81.1328% | 592 |
| Net loans and leases to deposits | 102.8350% | 461 |
| Net loans and leases to core deposits | 104.0971% | 1,099 |
| Total domestic deposits to total assets | 78.8961% | 5,351 |
| Equity capital to assets | 10.9166% | 3,050 |
| Core capital (leverage) ratio | 10.9189% | 2,564 |
| Tier 1 risk-based capital ratio | 12.9862% | 4,874 |
| Total risk-based capital ratio | 13.8908% | 4,988 |
| Memoranda: | ||
| Average total assets | $138,941,000 | 3,849 |
| Average earning assets | $128,819,500 | 3,811 |
| Average equity | $15,081,000 | 3,838 |
| Average total loans | $110,327,250 | 3,230 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 1,716 |
| Cost of funding earning assets | 0.6764% | 1,329 |
| Net interest margin | 3.8588% | 2,340 |
| Noninterest income to average assets | 0.5786% | 2,940 |
| Noninterest expense to average assets | 2.7795% | 3,577 |
| Loan and lease loss provision to assets | 0.1076% | 2,216 |
| Net operating income to assets | 1.2356% | 1,491 |
| Return on assets (ROA) | 1.2356% | 1,553 |
| Pretax return on assets | 1.2662% | 2,388 |
| Return on Equity (ROE) | 11.4066% | 1,599 |
| Retained earnings to average equity (ytd only) | 3.0865% | 4,243 |
| Net charge-offs to loans | 0.0481% | 3,290 |
| Credit loss provision to net charge-offs | 284.6154% | 898 |
| Earnings coverage of net charge-offs (x) | 36.3462% | 1,128 |
| Efficiency ratio | 66.9233% | 4,212 |
| Assets per employee ($millions) | 3.5017% | 4,847 |
| Cash dividends to net income (ytd only)* | 72.9412% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 5,664 |
| Loan loss allowance to noncurrent loans | 84.8534% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 3,089 |
| Noncurrent loans to loans | 1.0855% | 3,058 |
| Net loans and leases to total assets | 82.0711% | 460 |
| Net loans and leases to deposits | 104.1064% | 359 |
| Net loans and leases to core deposits | 105.4592% | 930 |
| Total domestic deposits to total assets | 78.8338% | 5,493 |
| Equity capital to assets | 11.0298% | 2,842 |
| Core capital (leverage) ratio | 10.6881% | 2,734 |
| Tier 1 risk-based capital ratio | 13.1009% | 4,850 |
| Total risk-based capital ratio | 14.0213% | 4,991 |
| Memoranda: | ||
| Average total assets | $137,581,000 | 3,893 |
| Average earning assets | $127,448,000 | 3,863 |
| Average equity | $14,903,670 | 3,873 |
| Average total loans | $108,067,670 | 3,285 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 2,135 |
| Cost of funding earning assets | 0.6074% | 1,917 |
| Net interest margin | 3.7918% | 2,505 |
| Noninterest income to average assets | 0.6981% | 2,177 |
| Noninterest expense to average assets | 2.8330% | 3,447 |
| Loan and lease loss provision to assets | 0.1854% | 1,287 |
| Net operating income to assets | 1.1558% | 1,612 |
| Return on assets (ROA) | 1.1558% | 1,685 |
| Pretax return on assets | 1.1876% | 2,538 |
| Return on Equity (ROE) | 10.7663% | 1,775 |
| Retained earnings to average equity (ytd only) | 3.4808% | 4,048 |
| Net charge-offs to loans | 0.0910% | 2,253 |
| Credit loss provision to net charge-offs | 266.6667% | 859 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,359 |
| Efficiency ratio | 67.3554% | 4,305 |
| Assets per employee ($millions) | 3.6660% | 4,598 |
| Cash dividends to net income (ytd only)* | 67.6692% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 5,703 |
| Loan loss allowance to noncurrent loans | 80.2172% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 3,194 |
| Noncurrent loans to loans | 1.1841% | 3,070 |
| Net loans and leases to total assets | 77.4033% | 831 |
| Net loans and leases to deposits | 99.1130% | 486 |
| Net loans and leases to core deposits | 100.7588% | 1,052 |
| Total domestic deposits to total assets | 78.0960% | 5,824 |
| Equity capital to assets | 10.7029% | 3,038 |
| Core capital (leverage) ratio | 11.3115% | 2,127 |
| Tier 1 risk-based capital ratio | 13.3212% | 4,813 |
| Total risk-based capital ratio | 14.2564% | 4,930 |
| Memoranda: | ||
| Average total assets | $138,088,000 | 3,917 |
| Average earning assets | $127,749,000 | 3,897 |
| Average equity | $14,824,000 | 3,890 |
| Average total loans | $105,539,500 | 3,356 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 1,923 |
| Cost of funding earning assets | 0.7083% | 1,758 |
| Net interest margin | 3.8749% | 2,387 |
| Noninterest income to average assets | 0.6077% | 3,042 |
| Noninterest expense to average assets | 2.6271% | 4,365 |
| Loan and lease loss provision to assets | 0.0371% | 4,374 |
| Net operating income to assets | 1.5126% | 799 |
| Return on assets (ROA) | 1.5134% | 835 |
| Pretax return on assets | 1.5171% | 1,391 |
| Return on Equity (ROE) | 14.0473% | 941 |
| Retained earnings to average equity (ytd only) | 4.8204% | 2,716 |
| Net charge-offs to loans | 0.0408% | 4,657 |
| Credit loss provision to net charge-offs | 121.9512% | 1,952 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 782 |
| Efficiency ratio | 62.8399% | 5,081 |
| Assets per employee ($millions) | 3.6018% | 4,676 |
| Cash dividends to net income (ytd only)* | 65.6848% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 5,691 |
| Loan loss allowance to noncurrent loans | 76.1103% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 3,197 |
| Noncurrent loans to loans | 1.2777% | 2,999 |
| Net loans and leases to total assets | 73.9559% | 1,355 |
| Net loans and leases to deposits | 99.9615% | 484 |
| Net loans and leases to core deposits | 101.4706% | 1,064 |
| Total domestic deposits to total assets | 73.9844% | 6,282 |
| Equity capital to assets | 10.7680% | 2,857 |
| Core capital (leverage) ratio | 11.3290% | 2,089 |
| Tier 1 risk-based capital ratio | 13.8521% | 4,400 |
| Total risk-based capital ratio | 14.7953% | 4,568 |
| Memoranda: | ||
| Average total assets | $134,598,600 | 3,987 |
| Average earning assets | $124,107,400 | 3,967 |
| Average equity | $14,501,000 | 3,964 |
| Average total loans | $100,462,000 | 3,433 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,897 |
| Cost of funding earning assets | 0.7399% | 1,668 |
| Net interest margin | 3.8616% | 2,413 |
| Noninterest income to average assets | 0.6486% | 2,889 |
| Noninterest expense to average assets | 2.6511% | 4,196 |
| Loan and lease loss provision to assets | 0.0497% | 4,019 |
| Net operating income to assets | 1.4991% | 899 |
| Return on assets (ROA) | 1.5001% | 940 |
| Pretax return on assets | 1.5051% | 1,590 |
| Return on Equity (ROE) | 13.9223% | 1,012 |
| Retained earnings to average equity (ytd only) | 4.3392% | 3,589 |
| Net charge-offs to loans | 0.0507% | 4,183 |
| Credit loss provision to net charge-offs | 131.5789% | 1,795 |
| Earnings coverage of net charge-offs (x) | 41.1014% | 985 |
| Efficiency ratio | 63.0471% | 4,980 |
| Assets per employee ($millions) | 3.1553% | 5,576 |
| Cash dividends to net income (ytd only)* | 68.8330% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 5,845 |
| Loan loss allowance to noncurrent loans | 65.6353% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.8469% | 2,206 |
| Noncurrent loans to loans | 1.4774% | 2,949 |
| Net loans and leases to total assets | 80.6724% | 483 |
| Net loans and leases to deposits | 104.7165% | 272 |
| Net loans and leases to core deposits | 106.3595% | 741 |
| Total domestic deposits to total assets | 77.0388% | 6,043 |
| Equity capital to assets | 11.5178% | 2,291 |
| Core capital (leverage) ratio | 11.2562% | 2,241 |
| Tier 1 risk-based capital ratio | 13.6328% | 4,668 |
| Total risk-based capital ratio | 14.5786% | 4,824 |
| Memoranda: | ||
| Average total assets | $134,031,250 | 4,031 |
| Average earning assets | $123,433,000 | 4,021 |
| Average equity | $14,441,750 | 4,029 |
| Average total loans | $100,023,500 | 3,472 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 2,198 |
| Cost of funding earning assets | 0.7417% | 1,758 |
| Net interest margin | 3.7591% | 2,723 |
| Noninterest income to average assets | 0.5826% | 3,304 |
| Noninterest expense to average assets | 2.5366% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4535% | 980 |
| Return on assets (ROA) | 1.4535% | 1,054 |
| Pretax return on assets | 1.5106% | 1,585 |
| Return on Equity (ROE) | 13.7821% | 1,056 |
| Retained earnings to average equity (ytd only) | 3.9556% | 3,778 |
| Net charge-offs to loans | 0.0383% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 54.3158% | 754 |
| Efficiency ratio | 62.6763% | 5,070 |
| Assets per employee ($millions) | 3.2606% | 5,350 |
| Cash dividends to net income (ytd only)* | 71.2991% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 5,932 |
| Loan loss allowance to noncurrent loans | 79.8347% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.5726% | 2,752 |
| Noncurrent loans to loans | 1.2145% | 3,525 |
| Net loans and leases to total assets | 75.6473% | 1,023 |
| Net loans and leases to deposits | 96.6271% | 628 |
| Net loans and leases to core deposits | 98.0668% | 1,212 |
| Total domestic deposits to total assets | 78.2879% | 5,927 |
| Equity capital to assets | 11.0746% | 2,683 |
| Core capital (leverage) ratio | 10.7833% | 2,581 |
| Tier 1 risk-based capital ratio | 13.8895% | 4,501 |
| Total risk-based capital ratio | 14.8325% | 4,681 |
| Memoranda: | ||
| Average total assets | $136,637,330 | 4,005 |
| Average earning assets | $125,933,000 | 3,991 |
| Average equity | $14,410,000 | 4,068 |
| Average total loans | $99,092,670 | 3,513 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 2,706 |
| Cost of funding earning assets | 0.7451% | 1,887 |
| Net interest margin | 3.6012% | 3,263 |
| Noninterest income to average assets | 0.6383% | 2,943 |
| Noninterest expense to average assets | 2.4989% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4054% | 1,012 |
| Return on assets (ROA) | 1.4054% | 1,100 |
| Pretax return on assets | 1.4598% | 1,684 |
| Return on Equity (ROE) | 13.6455% | 1,023 |
| Retained earnings to average equity (ytd only) | 3.6407% | 4,058 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1236% | 5,138 |
| Assets per employee ($millions) | 3.4984% | 4,986 |
| Cash dividends to net income (ytd only)* | 73.3198% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 6,017 |
| Loan loss allowance to noncurrent loans | 80.0162% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.5707% | 2,911 |
| Noncurrent loans to loans | 1.2371% | 3,708 |
| Net loans and leases to total assets | 72.2126% | 1,317 |
| Net loans and leases to deposits | 91.4249% | 855 |
| Net loans and leases to core deposits | 92.7110% | 1,438 |
| Total domestic deposits to total assets | 78.9858% | 5,963 |
| Equity capital to assets | 10.5830% | 3,447 |
| Core capital (leverage) ratio | 10.4777% | 2,810 |
| Tier 1 risk-based capital ratio | 13.8120% | 4,644 |
| Total risk-based capital ratio | 14.7787% | 4,804 |
| Memoranda: | ||
| Average total assets | $139,743,500 | 3,992 |
| Average earning assets | $128,844,500 | 3,966 |
| Average equity | $14,393,000 | 4,117 |
| Average total loans | $98,824,500 | 3,541 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 1,876 |
| Cost of funding earning assets | 0.9020% | 1,923 |
| Net interest margin | 3.9870% | 2,446 |
| Noninterest income to average assets | 0.8312% | 2,119 |
| Noninterest expense to average assets | 2.7949% | 4,036 |
| Loan and lease loss provision to assets | 0.0636% | 4,967 |
| Net operating income to assets | 1.5713% | 796 |
| Return on assets (ROA) | 1.5844% | 855 |
| Pretax return on assets | 1.6321% | 1,302 |
| Return on Equity (ROE) | 14.3122% | 931 |
| Retained earnings to average equity (ytd only) | 4.9863% | 2,716 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4267% | 5,180 |
| Assets per employee ($millions) | 3.9736% | 4,003 |
| Cash dividends to net income (ytd only)* | 65.1606% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 5,947 |
| Loan loss allowance to noncurrent loans | 82.4268% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4981% | 3,134 |
| Noncurrent loans to loans | 1.2176% | 3,816 |
| Net loans and leases to total assets | 67.9163% | 2,193 |
| Net loans and leases to deposits | 92.9206% | 835 |
| Net loans and leases to core deposits | 94.2648% | 1,444 |
| Total domestic deposits to total assets | 73.0907% | 6,614 |
| Equity capital to assets | 10.0293% | 4,128 |
| Core capital (leverage) ratio | 10.7775% | 2,467 |
| Tier 1 risk-based capital ratio | 13.6421% | 4,645 |
| Total risk-based capital ratio | 14.6064% | 4,806 |
| Memoranda: | ||
| Average total assets | $125,726,800 | 4,231 |
| Average earning assets | $114,972,800 | 4,229 |
| Average equity | $13,918,200 | 4,176 |
| Average total loans | $92,720,200 | 3,683 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 1,616 |
| Cost of funding earning assets | 0.8978% | 2,186 |
| Net interest margin | 4.1296% | 1,980 |
| Noninterest income to average assets | 0.7963% | 2,259 |
| Noninterest expense to average assets | 2.8325% | 3,862 |
| Loan and lease loss provision to assets | 0.0879% | 4,507 |
| Net operating income to assets | 1.6008% | 841 |
| Return on assets (ROA) | 1.6189% | 898 |
| Pretax return on assets | 1.6683% | 1,368 |
| Return on Equity (ROE) | 14.2298% | 1,062 |
| Retained earnings to average equity (ytd only) | 9.0457% | 1,215 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9803% | 5,151 |
| Assets per employee ($millions) | 3.4518% | 5,084 |
| Cash dividends to net income (ytd only)* | 36.4314% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,055 |
| Loan loss allowance to noncurrent loans | 73.1798% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.8629% | 2,843 |
| Noncurrent loans to loans | 1.3751% | 3,729 |
| Net loans and leases to total assets | 77.9763% | 733 |
| Net loans and leases to deposits | 102.7311% | 320 |
| Net loans and leases to core deposits | 104.0840% | 860 |
| Total domestic deposits to total assets | 75.9033% | 6,395 |
| Equity capital to assets | 11.7079% | 2,528 |
| Core capital (leverage) ratio | 11.5754% | 1,931 |
| Tier 1 risk-based capital ratio | 14.1722% | 4,396 |
| Total risk-based capital ratio | 15.1562% | 4,562 |
| Memoranda: | ||
| Average total assets | $121,395,750 | 4,365 |
| Average earning assets | $110,936,500 | 4,367 |
| Average equity | $13,811,000 | 4,235 |
| Average total loans | $91,365,250 | 3,751 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 1,878 |
| Cost of funding earning assets | 0.9057% | 2,354 |
| Net interest margin | 4.0620% | 2,241 |
| Noninterest income to average assets | 0.7423% | 2,459 |
| Noninterest expense to average assets | 2.7632% | 4,163 |
| Loan and lease loss provision to assets | 0.0996% | 4,284 |
| Net operating income to assets | 1.5461% | 918 |
| Return on assets (ROA) | 1.5493% | 1,015 |
| Pretax return on assets | 1.5991% | 1,550 |
| Return on Equity (ROE) | 13.7560% | 1,178 |
| Retained earnings to average equity (ytd only) | 8.4924% | 1,453 |
| Net charge-offs to loans | -0.0022% | 6,097 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9739% | 5,251 |
| Assets per employee ($millions) | 3.6384% | 4,666 |
| Cash dividends to net income (ytd only)* | 38.2637% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 5,993 |
| Loan loss allowance to noncurrent loans | 65.8487% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.9652% | 2,824 |
| Noncurrent loans to loans | 1.5839% | 3,534 |
| Net loans and leases to total assets | 74.0908% | 1,230 |
| Net loans and leases to deposits | 97.9502% | 532 |
| Net loans and leases to core deposits | 99.2496% | 1,150 |
| Total domestic deposits to total assets | 75.6412% | 6,510 |
| Equity capital to assets | 11.2138% | 2,880 |
| Core capital (leverage) ratio | 11.2614% | 2,076 |
| Tier 1 risk-based capital ratio | 14.1736% | 4,324 |
| Total risk-based capital ratio | 15.1864% | 4,470 |
| Memoranda: | ||
| Average total assets | $120,439,000 | 4,415 |
| Average earning assets | $110,193,000 | 4,407 |
| Average equity | $13,565,000 | 4,287 |
| Average total loans | $89,192,670 | 3,825 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 2,101 |
| Cost of funding earning assets | 0.9188% | 2,528 |
| Net interest margin | 4.0186% | 2,427 |
| Noninterest income to average assets | 0.8383% | 1,992 |
| Noninterest expense to average assets | 2.7002% | 4,424 |
| Loan and lease loss provision to assets | 0.1010% | 4,077 |
| Net operating income to assets | 1.6533% | 790 |
| Return on assets (ROA) | 1.6598% | 867 |
| Pretax return on assets | 1.7104% | 1,276 |
| Return on Equity (ROE) | 14.7038% | 1,036 |
| Retained earnings to average equity (ytd only) | 9.3353% | 1,467 |
| Net charge-offs to loans | -0.0046% | 5,782 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9402% | 5,623 |
| Assets per employee ($millions) | 3.6207% | 4,827 |
| Cash dividends to net income (ytd only)* | 36.5112% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 6,114 |
| Loan loss allowance to noncurrent loans | 62.3169% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.0237% | 2,863 |
| Noncurrent loans to loans | 1.6709% | 3,595 |
| Net loans and leases to total assets | 74.4518% | 992 |
| Net loans and leases to deposits | 95.4137% | 578 |
| Net loans and leases to core deposits | 96.6840% | 1,237 |
| Total domestic deposits to total assets | 78.0305% | 6,259 |
| Equity capital to assets | 11.3697% | 2,560 |
| Core capital (leverage) ratio | 11.5534% | 1,863 |
| Tier 1 risk-based capital ratio | 14.2771% | 4,259 |
| Total risk-based capital ratio | 15.2906% | 4,409 |
| Memoranda: | ||
| Average total assets | $118,806,000 | 4,478 |
| Average earning assets | $108,397,000 | 4,472 |
| Average equity | $13,411,500 | 4,324 |
| Average total loans | $87,479,000 | 3,902 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 1,734 |
| Cost of funding earning assets | 1.1876% | 2,108 |
| Net interest margin | 4.1025% | 2,418 |
| Noninterest income to average assets | 0.6449% | 2,918 |
| Noninterest expense to average assets | 2.9086% | 3,929 |
| Loan and lease loss provision to assets | 0.0975% | 5,376 |
| Net operating income to assets | 1.3501% | 1,143 |
| Return on assets (ROA) | 1.3536% | 1,222 |
| Pretax return on assets | 1.4028% | 1,782 |
| Return on Equity (ROE) | 11.6980% | 1,499 |
| Retained earnings to average equity (ytd only) | 5.0224% | 2,625 |
| Net charge-offs to loans | 0.0485% | 5,821 |
| Credit loss provision to net charge-offs | 260.9756% | 921 |
| Earnings coverage of net charge-offs (x) | 40.0732% | 677 |
| Efficiency ratio | 66.0256% | 4,770 |
| Assets per employee ($millions) | 3.5796% | 4,830 |
| Cash dividends to net income (ytd only)* | 57.0659% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 5,946 |
| Loan loss allowance to noncurrent loans | 207.5688% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1420% | 4,332 |
| Noncurrent loans to loans | 0.5126% | 5,685 |
| Net loans and leases to total assets | 71.2439% | 1,780 |
| Net loans and leases to deposits | 95.2930% | 725 |
| Net loans and leases to core deposits | 96.6312% | 1,442 |
| Total domestic deposits to total assets | 74.7630% | 6,637 |
| Equity capital to assets | 11.2065% | 2,789 |
| Core capital (leverage) ratio | 11.4932% | 1,897 |
| Tier 1 risk-based capital ratio | 14.8575% | 3,723 |
| Total risk-based capital ratio | 15.8930% | 3,849 |
| Memoranda: | ||
| Average total assets | $109,779,400 | 4,644 |
| Average earning assets | $100,622,200 | 4,622 |
| Average equity | $12,703,000 | 4,394 |
| Average total loans | $84,494,400 | 4,014 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 1,785 |
| Cost of funding earning assets | 1.2523% | 1,981 |
| Net interest margin | 4.0684% | 2,610 |
| Noninterest income to average assets | 0.5633% | 3,421 |
| Noninterest expense to average assets | 2.8624% | 4,093 |
| Loan and lease loss provision to assets | 0.1077% | 5,090 |
| Net operating income to assets | 1.2952% | 1,392 |
| Return on assets (ROA) | 1.3012% | 1,463 |
| Pretax return on assets | 1.3359% | 2,167 |
| Return on Equity (ROE) | 11.1486% | 1,812 |
| Retained earnings to average equity (ytd only) | 4.8265% | 3,297 |
| Net charge-offs to loans | 0.0379% | 5,617 |
| Credit loss provision to net charge-offs | 362.5000% | 781 |
| Earnings coverage of net charge-offs (x) | 48.3738% | 671 |
| Efficiency ratio | 66.5707% | 4,609 |
| Assets per employee ($millions) | 3.2148% | 5,640 |
| Cash dividends to net income (ytd only)* | 56.7081% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 6,171 |
| Loan loss allowance to noncurrent loans | 116.5375% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 5,173 |
| Noncurrent loans to loans | 0.8750% | 5,108 |
| Net loans and leases to total assets | 77.8176% | 724 |
| Net loans and leases to deposits | 101.4295% | 415 |
| Net loans and leases to core deposits | 103.1976% | 1,023 |
| Total domestic deposits to total assets | 76.7209% | 6,420 |
| Equity capital to assets | 11.5814% | 2,612 |
| Core capital (leverage) ratio | 11.7744% | 1,842 |
| Tier 1 risk-based capital ratio | 14.3220% | 4,113 |
| Total risk-based capital ratio | 15.3332% | 4,267 |
| Memoranda: | ||
| Average total assets | $107,692,250 | 4,721 |
| Average earning assets | $98,907,250 | 4,693 |
| Average equity | $12,569,250 | 4,435 |
| Average total loans | $84,352,000 | 4,049 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 1,913 |
| Cost of funding earning assets | 1.2745% | 2,089 |
| Net interest margin | 4.0183% | 2,755 |
| Noninterest income to average assets | 0.4430% | 4,328 |
| Noninterest expense to average assets | 2.7959% | 4,434 |
| Loan and lease loss provision to assets | 0.1131% | 4,878 |
| Net operating income to assets | 1.1900% | 1,605 |
| Return on assets (ROA) | 1.2009% | 1,650 |
| Pretax return on assets | 1.2368% | 2,356 |
| Return on Equity (ROE) | 10.2615% | 2,026 |
| Retained earnings to average equity (ytd only) | 3.8179% | 3,782 |
| Net charge-offs to loans | 0.1012% | 4,668 |
| Credit loss provision to net charge-offs | 142.8571% | 2,134 |
| Earnings coverage of net charge-offs (x) | 16.9048% | 1,319 |
| Efficiency ratio | 67.6243% | 4,584 |
| Assets per employee ($millions) | 3.1585% | 5,733 |
| Cash dividends to net income (ytd only)* | 62.7943% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,261 |
| Loan loss allowance to noncurrent loans | 108.8945% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.5523% | 3,866 |
| Noncurrent loans to loans | 0.9341% | 5,103 |
| Net loans and leases to total assets | 77.6597% | 822 |
| Net loans and leases to deposits | 103.8542% | 324 |
| Net loans and leases to core deposits | 105.8001% | 940 |
| Total domestic deposits to total assets | 74.7777% | 6,757 |
| Equity capital to assets | 11.8038% | 2,243 |
| Core capital (leverage) ratio | 11.8581% | 1,688 |
| Tier 1 risk-based capital ratio | 14.8497% | 3,579 |
| Total risk-based capital ratio | 15.8633% | 3,689 |
| Memoranda: | ||
| Average total assets | $106,084,000 | 4,796 |
| Average earning assets | $97,453,000 | 4,773 |
| Average equity | $12,415,330 | 4,447 |
| Average total loans | $82,982,670 | 4,126 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 2,036 |
| Cost of funding earning assets | 1.2969% | 2,194 |
| Net interest margin | 3.9565% | 2,887 |
| Noninterest income to average assets | 0.4211% | 4,530 |
| Noninterest expense to average assets | 2.8037% | 4,422 |
| Loan and lease loss provision to assets | 0.1138% | 4,592 |
| Net operating income to assets | 1.1154% | 1,786 |
| Return on assets (ROA) | 1.1154% | 1,837 |
| Pretax return on assets | 1.1496% | 2,566 |
| Return on Equity (ROE) | 9.5726% | 2,259 |
| Retained earnings to average equity (ytd only) | 3.7118% | 3,947 |
| Net charge-offs to loans | 0.2040% | 3,286 |
| Credit loss provision to net charge-offs | 71.4286% | 3,327 |
| Earnings coverage of net charge-offs (x) | 7.9286% | 1,880 |
| Efficiency ratio | 68.9366% | 4,489 |
| Assets per employee ($millions) | 3.0639% | 6,016 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 6,394 |
| Loan loss allowance to noncurrent loans | 70.1442% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 4,362 |
| Noncurrent loans to loans | 1.4275% | 4,329 |
| Net loans and leases to total assets | 78.4885% | 680 |
| Net loans and leases to deposits | 102.3932% | 369 |
| Net loans and leases to core deposits | 105.1384% | 989 |
| Total domestic deposits to total assets | 76.6540% | 6,583 |
| Equity capital to assets | 11.8698% | 1,998 |
| Core capital (leverage) ratio | 11.8464% | 1,651 |
| Tier 1 risk-based capital ratio | 15.0201% | 3,414 |
| Total risk-based capital ratio | 16.0194% | 3,531 |
| Memoranda: | ||
| Average total assets | $105,431,500 | 4,853 |
| Average earning assets | $97,155,500 | 4,819 |
| Average equity | $12,285,000 | 4,487 |
| Average total loans | $82,346,500 | 4,185 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4702% | 2,402 |
| Cost of funding earning assets | 1.5926% | 2,111 |
| Net interest margin | 3.8776% | 3,601 |
| Noninterest income to average assets | 0.9882% | 1,548 |
| Noninterest expense to average assets | 2.7515% | 4,779 |
| Loan and lease loss provision to assets | 0.1719% | 5,506 |
| Net operating income to assets | 1.6289% | 594 |
| Return on assets (ROA) | 1.6366% | 630 |
| Pretax return on assets | 1.6650% | 1,010 |
| Return on Equity (ROE) | 14.8511% | 739 |
| Retained earnings to average equity (ytd only) | 5.3485% | 2,227 |
| Net charge-offs to loans | 0.1067% | 5,808 |
| Credit loss provision to net charge-offs | 205.8824% | 1,505 |
| Earnings coverage of net charge-offs (x) | 21.9059% | 946 |
| Efficiency ratio | 60.0686% | 6,034 |
| Assets per employee ($millions) | 3.3341% | 5,349 |
| Cash dividends to net income (ytd only)* | 63.9856% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 6,277 |
| Loan loss allowance to noncurrent loans | 164.5098% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 5,622 |
| Noncurrent loans to loans | 0.6212% | 5,812 |
| Net loans and leases to total assets | 76.1676% | 1,242 |
| Net loans and leases to deposits | 102.1495% | 479 |
| Net loans and leases to core deposits | 105.7850% | 1,205 |
| Total domestic deposits to total assets | 74.5649% | 6,822 |
| Equity capital to assets | 11.4396% | 2,317 |
| Core capital (leverage) ratio | 11.6975% | 1,724 |
| Tier 1 risk-based capital ratio | 15.3668% | 3,058 |
| Total risk-based capital ratio | 16.4134% | 3,107 |
| Memoranda: | ||
| Average total assets | $101,799,400 | 4,930 |
| Average earning assets | $94,311,200 | 4,885 |
| Average equity | $11,218,000 | 4,811 |
| Average total loans | $79,625,800 | 4,352 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 2,650 |
| Cost of funding earning assets | 1.6658% | 2,025 |
| Net interest margin | 3.7831% | 4,043 |
| Noninterest income to average assets | 0.8471% | 2,010 |
| Noninterest expense to average assets | 2.6712% | 4,999 |
| Loan and lease loss provision to assets | 0.1193% | 5,838 |
| Net operating income to assets | 1.5431% | 842 |
| Return on assets (ROA) | 1.5470% | 910 |
| Pretax return on assets | 1.5709% | 1,417 |
| Return on Equity (ROE) | 14.1822% | 993 |
| Retained earnings to average equity (ytd only) | 4.3263% | 3,453 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3021% | 5,736 |
| Assets per employee ($millions) | 3.3654% | 5,286 |
| Cash dividends to net income (ytd only)* | 69.4947% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 6,301 |
| Loan loss allowance to noncurrent loans | 109.3872% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 5,297 |
| Noncurrent loans to loans | 0.9328% | 5,366 |
| Net loans and leases to total assets | 78.0114% | 1,036 |
| Net loans and leases to deposits | 101.1886% | 574 |
| Net loans and leases to core deposits | 106.0334% | 1,319 |
| Total domestic deposits to total assets | 77.0951% | 6,459 |
| Equity capital to assets | 11.6815% | 2,370 |
| Core capital (leverage) ratio | 11.7149% | 1,807 |
| Tier 1 risk-based capital ratio | 15.1147% | 3,198 |
| Total risk-based capital ratio | 16.1624% | 3,277 |
| Memoranda: | ||
| Average total assets | $100,576,500 | 5,029 |
| Average earning assets | $93,326,250 | 4,969 |
| Average equity | $10,971,250 | 4,931 |
| Average total loans | $79,006,500 | 4,431 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 3,014 |
| Cost of funding earning assets | 1.6572% | 2,344 |
| Net interest margin | 3.7330% | 4,218 |
| Noninterest income to average assets | 0.5799% | 3,481 |
| Noninterest expense to average assets | 2.6136% | 5,268 |
| Loan and lease loss provision to assets | 0.1208% | 5,691 |
| Net operating income to assets | 1.2867% | 1,339 |
| Return on assets (ROA) | 1.2867% | 1,398 |
| Pretax return on assets | 1.3108% | 2,053 |
| Return on Equity (ROE) | 12.0954% | 1,424 |
| Retained earnings to average equity (ytd only) | 2.4229% | 4,618 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6093% | 5,226 |
| Assets per employee ($millions) | 3.8136% | 4,193 |
| Cash dividends to net income (ytd only)* | 79.9687% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 6,382 |
| Loan loss allowance to noncurrent loans | 105.0649% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 5,284 |
| Noncurrent loans to loans | 0.9552% | 5,395 |
| Net loans and leases to total assets | 77.5035% | 1,194 |
| Net loans and leases to deposits | 102.5008% | 568 |
| Net loans and leases to core deposits | 106.2482% | 1,417 |
| Total domestic deposits to total assets | 75.6126% | 6,761 |
| Equity capital to assets | 11.5668% | 2,386 |
| Core capital (leverage) ratio | 11.7485% | 1,778 |
| Tier 1 risk-based capital ratio | 15.2618% | 3,032 |
| Total risk-based capital ratio | 16.3015% | 3,097 |
| Memoranda: | ||
| Average total assets | $99,326,330 | 5,101 |
| Average earning assets | $92,205,670 | 5,037 |
| Average equity | $10,566,000 | 5,042 |
| Average total loans | $77,933,330 | 4,508 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 3,647 |
| Cost of funding earning assets | 1.7029% | 2,376 |
| Net interest margin | 3.5770% | 4,826 |
| Noninterest income to average assets | 0.5948% | 3,309 |
| Noninterest expense to average assets | 2.6829% | 4,984 |
| Loan and lease loss provision to assets | 0.1231% | 5,348 |
| Net operating income to assets | 1.1076% | 1,808 |
| Return on assets (ROA) | 1.1076% | 1,890 |
| Pretax return on assets | 1.1322% | 2,620 |
| Return on Equity (ROE) | 10.9157% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.9157% | 936 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1250% | 4,699 |
| Assets per employee ($millions) | 3.6466% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,486 |
| Loan loss allowance to noncurrent loans | 101.6971% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 5,183 |
| Noncurrent loans to loans | 0.9814% | 5,363 |
| Net loans and leases to total assets | 78.4802% | 1,063 |
| Net loans and leases to deposits | 98.4833% | 864 |
| Net loans and leases to core deposits | 102.3932% | 1,862 |
| Total domestic deposits to total assets | 79.6888% | 5,888 |
| Equity capital to assets | 12.2215% | 1,922 |
| Core capital (leverage) ratio | 12.7000% | 1,329 |
| Tier 1 risk-based capital ratio | 15.8221% | 2,718 |
| Total risk-based capital ratio | 16.8503% | 2,775 |
| Memoranda: | ||
| Average total assets | $97,506,000 | 5,224 |
| Average earning assets | $91,137,000 | 5,131 |
| Average equity | $9,894,000 | 5,268 |
| Average total loans | $76,594,000 | 4,624 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9738% | 1,965 |
| Cost of funding earning assets | 2.3703% | 1,389 |
| Net interest margin | 3.6035% | 4,537 |
| Noninterest income to average assets | 0.9490% | 1,751 |
| Noninterest expense to average assets | 2.9063% | 4,514 |
| Loan and lease loss provision to assets | 0.1126% | 6,513 |
| Net operating income to assets | 1.3258% | 984 |
| Return on assets (ROA) | 1.3258% | 1,028 |
| Pretax return on assets | 1.3542% | 1,547 |
| Return on Equity (ROE) | 15.3616% | 619 |
| Retained earnings to average equity (ytd only) | 15.3616% | 90 |
| Net charge-offs to loans | 0.0479% | 6,620 |
| Credit loss provision to net charge-offs | 279.4118% | 1,219 |
| Earnings coverage of net charge-offs (x) | 36.4118% | 648 |
| Efficiency ratio | 66.4590% | 5,295 |
| Assets per employee ($millions) | 3.5761% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,410 |
| Loan loss allowance to noncurrent loans | 102.0436% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 5,149 |
| Noncurrent loans to loans | 0.9769% | 5,365 |
| Net loans and leases to total assets | 77.0450% | 1,570 |
| Net loans and leases to deposits | 87.8515% | 2,584 |
| Net loans and leases to core deposits | 102.9292% | 3,696 |
| Total domestic deposits to total assets | 87.6991% | 2,123 |
| Equity capital to assets | 8.0318% | 6,545 |
| Core capital (leverage) ratio | 8.6856% | 4,944 |
| Tier 1 risk-based capital ratio | 10.6477% | 6,254 |
| Total risk-based capital ratio | 11.6760% | 6,446 |
| Memoranda: | ||
| Average total assets | $84,403,400 | 5,581 |
| Average earning assets | $80,200,000 | 5,454 |
| Average equity | $7,284,400 | 6,180 |
| Average total loans | $70,926,200 | 4,838 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1184% | 1,582 |
| Cost of funding earning assets | 2.4484% | 1,454 |
| Net interest margin | 3.6700% | 4,204 |
| Noninterest income to average assets | 1.0635% | 1,403 |
| Noninterest expense to average assets | 2.9201% | 4,367 |
| Loan and lease loss provision to assets | 0.1393% | 5,964 |
| Net operating income to assets | 1.4650% | 891 |
| Return on assets (ROA) | 1.4650% | 945 |
| Pretax return on assets | 1.4944% | 1,429 |
| Return on Equity (ROE) | 16.6319% | 585 |
| Retained earnings to average equity (ytd only) | 16.6319% | 113 |
| Net charge-offs to loans | 0.0649% | 6,045 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 29.3250% | 945 |
| Efficiency ratio | 64.1238% | 5,728 |
| Assets per employee ($millions) | 3.6438% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,143 |
| Loan loss allowance to noncurrent loans | 99.5957% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 4,800 |
| Noncurrent loans to loans | 1.0278% | 5,253 |
| Net loans and leases to total assets | 81.7061% | 861 |
| Net loans and leases to deposits | 97.2559% | 1,407 |
| Net loans and leases to core deposits | 119.1423% | 2,319 |
| Total domestic deposits to total assets | 84.0114% | 3,716 |
| Equity capital to assets | 8.6690% | 6,007 |
| Core capital (leverage) ratio | 8.9927% | 4,661 |
| Tier 1 risk-based capital ratio | 10.9267% | 6,015 |
| Total risk-based capital ratio | 11.9987% | 6,169 |
| Memoranda: | ||
| Average total assets | $81,365,750 | 5,720 |
| Average earning assets | $77,382,000 | 5,580 |
| Average equity | $7,166,750 | 6,271 |
| Average total loans | $69,873,000 | 4,920 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2951% | 1,217 |
| Cost of funding earning assets | 2.6057% | 1,270 |
| Net interest margin | 3.6894% | 3,998 |
| Noninterest income to average assets | 1.3033% | 902 |
| Noninterest expense to average assets | 3.0200% | 4,007 |
| Loan and lease loss provision to assets | 0.0882% | 6,285 |
| Net operating income to assets | 1.6663% | 599 |
| Return on assets (ROA) | 1.6663% | 661 |
| Pretax return on assets | 1.6965% | 1,025 |
| Return on Equity (ROE) | 18.8087% | 418 |
| Retained earnings to average equity (ytd only) | 18.8087% | 92 |
| Net charge-offs to loans | 0.0087% | 6,452 |
| Credit loss provision to net charge-offs | 1,166.6667% | 428 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 173 |
| Efficiency ratio | 62.8541% | 6,109 |
| Assets per employee ($millions) | 3.5137% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 6,053 |
| Loan loss allowance to noncurrent loans | 447.2050% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 6,018 |
| Noncurrent loans to loans | 0.2291% | 6,935 |
| Net loans and leases to total assets | 86.0818% | 369 |
| Net loans and leases to deposits | 105.1417% | 821 |
| Net loans and leases to core deposits | 129.1626% | 1,636 |
| Total domestic deposits to total assets | 81.8722% | 4,745 |
| Equity capital to assets | 9.0924% | 5,170 |
| Core capital (leverage) ratio | 9.1988% | 4,311 |
| Tier 1 risk-based capital ratio | 10.9351% | 5,949 |
| Total risk-based capital ratio | 12.0124% | 6,060 |
| Memoranda: | ||
| Average total assets | $79,337,670 | 5,822 |
| Average earning assets | $75,297,000 | 5,701 |
| Average equity | $7,028,670 | 6,361 |
| Average total loans | $69,100,330 | 4,996 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3033% | 1,289 |
| Cost of funding earning assets | 2.7136% | 1,230 |
| Net interest margin | 3.5896% | 4,359 |
| Noninterest income to average assets | 1.6082% | 532 |
| Noninterest expense to average assets | 3.0687% | 3,494 |
| Loan and lease loss provision to assets | 0.1018% | 5,664 |
| Net operating income to assets | 1.8270% | 504 |
| Return on assets (ROA) | 1.8270% | 560 |
| Pretax return on assets | 1.8575% | 882 |
| Return on Equity (ROE) | 20.9055% | 370 |
| Retained earnings to average equity (ytd only) | 20.9055% | 146 |
| Net charge-offs to loans | 0.0175% | 5,332 |
| Credit loss provision to net charge-offs | 666.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 128.3333% | 341 |
| Efficiency ratio | 61.0324% | 6,247 |
| Assets per employee ($millions) | 3.5595% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 6,023 |
| Loan loss allowance to noncurrent loans | 1,566.6667% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 6,162 |
| Noncurrent loans to loans | 0.0652% | 7,339 |
| Net loans and leases to total assets | 87.2108% | 322 |
| Net loans and leases to deposits | 106.7061% | 814 |
| Net loans and leases to core deposits | 134.5887% | 1,383 |
| Total domestic deposits to total assets | 81.7298% | 4,666 |
| Equity capital to assets | 8.9952% | 5,351 |
| Core capital (leverage) ratio | 8.8317% | 4,936 |
| Tier 1 risk-based capital ratio | 10.7076% | 6,180 |
| Total risk-based capital ratio | 11.7849% | 6,273 |
| Memoranda: | ||
| Average total assets | $78,599,000 | 5,870 |
| Average earning assets | $74,882,000 | 5,737 |
| Average equity | $6,869,000 | 6,452 |
| Average total loans | $68,507,000 | 5,033 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0103% | 1,112 |
| Cost of funding earning assets | 3.1976% | 1,199 |
| Net interest margin | 3.8127% | 3,965 |
| Noninterest income to average assets | 0.9344% | 1,836 |
| Noninterest expense to average assets | 2.9895% | 4,115 |
| Loan and lease loss provision to assets | 0.1530% | 5,405 |
| Net operating income to assets | 1.3808% | 1,276 |
| Return on assets (ROA) | 1.3835% | 1,221 |
| Pretax return on assets | 1.4058% | 1,959 |
| Return on Equity (ROE) | 16.0754% | 759 |
| Retained earnings to average equity (ytd only) | 16.0754% | 67 |
| Net charge-offs to loans | 0.0400% | 6,227 |
| Credit loss provision to net charge-offs | 440.0000% | 993 |
| Earnings coverage of net charge-offs (x) | 44.7600% | 827 |
| Efficiency ratio | 65.7693% | 5,177 |
| Assets per employee ($millions) | 3.5859% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 5,925 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 5,696 |
| Noncurrent loans to loans | 0.0706% | 7,223 |
| Net loans and leases to total assets | 85.3442% | 679 |
| Net loans and leases to deposits | 105.2493% | 1,193 |
| Net loans and leases to core deposits | 134.0047% | 1,597 |
| Total domestic deposits to total assets | 81.0876% | 4,599 |
| Equity capital to assets | 8.4852% | 6,111 |
| Core capital (leverage) ratio | 8.7961% | 5,039 |
| Tier 1 risk-based capital ratio | 10.3105% | 6,406 |
| Total risk-based capital ratio | 11.3775% | 6,463 |
| Memoranda: | ||
| Average total assets | $71,918,600 | 5,970 |
| Average earning assets | $68,113,600 | 5,894 |
| Average equity | $6,189,600 | 6,745 |
| Average total loans | $62,462,200 | 5,158 |