Home > Bank of St. Croix, Inc. > Performance and Condition Ratios
Bank of St. Croix, Inc., Performance and Condition Ratios
| 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 | 2.7958% | 5,645 |
| Cost of funding earning assets | 0.1867% | 5,142 |
| Net interest margin | 2.6090% | 5,506 |
| Noninterest income to average assets | 0.5086% | 3,178 |
| Noninterest expense to average assets | 2.4771% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5228% | 4,538 |
| Return on assets (ROA) | 0.6358% | 4,178 |
| Pretax return on assets | 0.6358% | 4,690 |
| Return on Equity (ROE) | 6.0699% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.0699% | 1,672 |
| Net charge-offs to loans | -0.0068% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5716% | 1,134 |
| Assets per employee ($millions) | 5.5575% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,839 |
| Loan loss allowance to noncurrent loans | 60.1611% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.5164% | 472 |
| Noncurrent loans to loans | 2.4255% | 657 |
| Net loans and leases to total assets | 31.4068% | 5,613 |
| Net loans and leases to deposits | 34.9386% | 5,663 |
| Net loans and leases to core deposits | 35.4791% | 5,686 |
| Total domestic deposits to total assets | 89.8916% | 689 |
| Equity capital to assets | 10.0073% | 3,719 |
| Core capital (leverage) ratio | 9.9715% | 3,519 |
| Tier 1 risk-based capital ratio | 31.8691% | 414 |
| Total risk-based capital ratio | 33.1218% | 408 |
| Memoranda: | ||
| Average total assets | $140,769,400 | 3,658 |
| Average earning assets | $134,417,400 | 3,582 |
| Average equity | $14,745,000 | 3,846 |
| Average total loans | $44,409,000 | 4,735 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8674% | 5,681 |
| Cost of funding earning assets | 0.1898% | 5,181 |
| Net interest margin | 2.6777% | 5,517 |
| Noninterest income to average assets | 0.4958% | 3,281 |
| Noninterest expense to average assets | 2.6010% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4510% | 4,871 |
| Return on assets (ROA) | 0.6026% | 4,396 |
| Pretax return on assets | 0.6026% | 4,872 |
| Return on Equity (ROE) | 5.6873% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.6873% | 2,363 |
| Net charge-offs to loans | -0.0061% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2234% | 881 |
| Assets per employee ($millions) | 5.2130% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,674 |
| Loan loss allowance to noncurrent loans | 54.3760% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 2.7689% | 459 |
| Noncurrent loans to loans | 2.8054% | 572 |
| Net loans and leases to total assets | 31.9576% | 5,680 |
| Net loans and leases to deposits | 36.0364% | 5,725 |
| Net loans and leases to core deposits | 36.5472% | 5,746 |
| Total domestic deposits to total assets | 88.6815% | 1,060 |
| Equity capital to assets | 11.0891% | 2,923 |
| Core capital (leverage) ratio | 10.0290% | 3,535 |
| Tier 1 risk-based capital ratio | 31.4246% | 433 |
| Total risk-based capital ratio | 32.6792% | 425 |
| Memoranda: | ||
| Average total assets | $139,838,250 | 3,697 |
| Average earning assets | $133,496,500 | 3,615 |
| Average equity | $14,816,250 | 3,864 |
| Average total loans | $43,998,000 | 4,786 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9226% | 5,715 |
| Cost of funding earning assets | 0.1906% | 5,237 |
| Net interest margin | 2.7320% | 5,533 |
| Noninterest income to average assets | 0.5182% | 3,082 |
| Noninterest expense to average assets | 2.5964% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5394% | 4,523 |
| Return on assets (ROA) | 0.7631% | 3,630 |
| Pretax return on assets | 0.7631% | 4,411 |
| Return on Equity (ROE) | 7.3110% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.3110% | 1,467 |
| Net charge-offs to loans | -0.0091% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7991% | 1,175 |
| Assets per employee ($millions) | 5.4747% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,589 |
| Loan loss allowance to noncurrent loans | 76.6857% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.2961% | 649 |
| Noncurrent loans to loans | 2.0595% | 950 |
| Net loans and leases to total assets | 28.2882% | 5,815 |
| Net loans and leases to deposits | 31.5938% | 5,861 |
| Net loans and leases to core deposits | 32.2686% | 5,866 |
| Total domestic deposits to total assets | 89.5371% | 660 |
| Equity capital to assets | 10.3073% | 3,849 |
| Core capital (leverage) ratio | 9.0578% | 4,764 |
| Tier 1 risk-based capital ratio | 31.8305% | 423 |
| Total risk-based capital ratio | 33.0840% | 416 |
| Memoranda: | ||
| Average total assets | $141,271,330 | 3,690 |
| Average earning assets | $135,359,330 | 3,607 |
| Average equity | $14,745,000 | 3,894 |
| Average total loans | $44,002,000 | 4,834 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1057% | 5,599 |
| Cost of funding earning assets | 0.1820% | 5,358 |
| Net interest margin | 2.9238% | 5,276 |
| Noninterest income to average assets | 0.4609% | 3,411 |
| Noninterest expense to average assets | 2.6870% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5681% | 4,330 |
| Return on assets (ROA) | 0.7681% | 3,512 |
| Pretax return on assets | 0.7681% | 4,313 |
| Return on Equity (ROE) | 7.3106% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.3106% | 1,746 |
| Net charge-offs to loans | -0.0089% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5467% | 1,317 |
| Assets per employee ($millions) | 5.2948% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,963 |
| Loan loss allowance to noncurrent loans | 103.3951% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2920% | 692 |
| Noncurrent loans to loans | 1.4551% | 1,626 |
| Net loans and leases to total assets | 29.5859% | 5,836 |
| Net loans and leases to deposits | 32.9524% | 5,886 |
| Net loans and leases to core deposits | 33.7805% | 5,895 |
| Total domestic deposits to total assets | 89.7837% | 687 |
| Equity capital to assets | 10.0699% | 3,989 |
| Core capital (leverage) ratio | 9.6320% | 3,993 |
| Tier 1 risk-based capital ratio | 28.5742% | 570 |
| Total risk-based capital ratio | 29.8275% | 556 |
| Memoranda: | ||
| Average total assets | $137,998,000 | 3,780 |
| Average earning assets | $131,885,000 | 3,689 |
| Average equity | $14,499,500 | 3,931 |
| Average total loans | $44,760,000 | 4,839 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 5,185 |
| Cost of funding earning assets | 0.1876% | 5,379 |
| Net interest margin | 3.2014% | 4,626 |
| Noninterest income to average assets | 0.4009% | 4,030 |
| Noninterest expense to average assets | 3.1341% | 2,136 |
| Loan and lease loss provision to assets | 0.0957% | 2,396 |
| Net operating income to assets | 0.2258% | 5,524 |
| Return on assets (ROA) | 0.2927% | 5,463 |
| Pretax return on assets | 0.2927% | 5,536 |
| Return on Equity (ROE) | 2.6110% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.6110% | 4,218 |
| Net charge-offs to loans | 0.3987% | 718 |
| Credit loss provision to net charge-offs | 66.1290% | 3,181 |
| Earnings coverage of net charge-offs (x) | 2.2204% | 3,950 |
| Efficiency ratio | 90.6961% | 651 |
| Assets per employee ($millions) | 4.2581% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,071 |
| Loan loss allowance to noncurrent loans | 92.1488% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.7211% | 534 |
| Noncurrent loans to loans | 1.6138% | 1,424 |
| Net loans and leases to total assets | 34.6939% | 5,751 |
| Net loans and leases to deposits | 39.0720% | 5,805 |
| Net loans and leases to core deposits | 40.0863% | 5,817 |
| Total domestic deposits to total assets | 88.7947% | 1,230 |
| Equity capital to assets | 11.0143% | 2,808 |
| Core capital (leverage) ratio | 10.1487% | 3,320 |
| Tier 1 risk-based capital ratio | 26.8508% | 683 |
| Total risk-based capital ratio | 28.1007% | 659 |
| Memoranda: | ||
| Average total assets | $128,459,600 | 3,919 |
| Average earning assets | $122,571,600 | 3,830 |
| Average equity | $14,400,600 | 3,922 |
| Average total loans | $46,648,800 | 4,770 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 5,238 |
| Cost of funding earning assets | 0.1847% | 5,503 |
| Net interest margin | 3.1977% | 4,677 |
| Noninterest income to average assets | 0.3866% | 4,178 |
| Noninterest expense to average assets | 3.1934% | 1,985 |
| Loan and lease loss provision to assets | 0.0964% | 2,246 |
| Net operating income to assets | 0.1472% | 5,780 |
| Return on assets (ROA) | 0.1762% | 5,770 |
| Pretax return on assets | 0.1762% | 5,818 |
| Return on Equity (ROE) | 1.5650% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.5650% | 5,082 |
| Net charge-offs to loans | 0.4250% | 599 |
| Credit loss provision to net charge-offs | 62.0000% | 2,890 |
| Earnings coverage of net charge-offs (x) | 1.5667% | 3,811 |
| Efficiency ratio | 92.9131% | 529 |
| Assets per employee ($millions) | 4.0461% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 2,199 |
| Loan loss allowance to noncurrent loans | 53.3175% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 3.4186% | 385 |
| Noncurrent loans to loans | 2.7962% | 668 |
| Net loans and leases to total assets | 35.5585% | 5,797 |
| Net loans and leases to deposits | 40.7769% | 5,839 |
| Net loans and leases to core deposits | 41.8679% | 5,858 |
| Total domestic deposits to total assets | 87.2024% | 1,936 |
| Equity capital to assets | 11.7468% | 2,308 |
| Core capital (leverage) ratio | 9.9931% | 3,638 |
| Tier 1 risk-based capital ratio | 26.0621% | 757 |
| Total risk-based capital ratio | 27.3115% | 742 |
| Memoranda: | ||
| Average total assets | $128,638,750 | 3,956 |
| Average earning assets | $122,710,500 | 3,867 |
| Average equity | $14,483,250 | 3,949 |
| Average total loans | $47,064,000 | 4,807 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3788% | 5,272 |
| Cost of funding earning assets | 0.1809% | 5,604 |
| Net interest margin | 3.1979% | 4,671 |
| Noninterest income to average assets | 0.4410% | 3,767 |
| Noninterest expense to average assets | 3.1471% | 2,128 |
| Loan and lease loss provision to assets | 0.1434% | 1,520 |
| Net operating income to assets | 0.2035% | 5,683 |
| Return on assets (ROA) | 0.2082% | 5,742 |
| Pretax return on assets | 0.2082% | 5,803 |
| Return on Equity (ROE) | 1.8750% | 5,709 |
| Retained earnings to average equity (ytd only) | 1.8750% | 4,756 |
| Net charge-offs to loans | 0.4196% | 614 |
| Credit loss provision to net charge-offs | 93.0000% | 2,164 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 3,380 |
| Efficiency ratio | 90.0706% | 744 |
| Assets per employee ($millions) | 3.8893% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,929 |
| Loan loss allowance to noncurrent loans | 52.0833% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.3699% | 439 |
| Noncurrent loans to loans | 3.0593% | 643 |
| Net loans and leases to total assets | 35.9774% | 5,820 |
| Net loans and leases to deposits | 41.3181% | 5,863 |
| Net loans and leases to core deposits | 42.8392% | 5,869 |
| Total domestic deposits to total assets | 87.0741% | 2,128 |
| Equity capital to assets | 11.5117% | 2,403 |
| Core capital (leverage) ratio | 9.7735% | 3,906 |
| Tier 1 risk-based capital ratio | 26.6172% | 734 |
| Total risk-based capital ratio | 27.8713% | 718 |
| Memoranda: | ||
| Average total assets | $129,708,330 | 3,967 |
| Average earning assets | $123,832,000 | 3,884 |
| Average equity | $14,399,670 | 3,981 |
| Average total loans | $47,660,000 | 4,829 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 5,363 |
| Cost of funding earning assets | 0.1766% | 5,705 |
| Net interest margin | 3.1562% | 4,764 |
| Noninterest income to average assets | 0.4171% | 3,866 |
| Noninterest expense to average assets | 2.9743% | 2,664 |
| Loan and lease loss provision to assets | 0.0453% | 3,015 |
| Net operating income to assets | 0.4232% | 4,979 |
| Return on assets (ROA) | 0.4262% | 5,088 |
| Pretax return on assets | 0.4262% | 5,372 |
| Return on Equity (ROE) | 3.9069% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.9069% | 3,655 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3916% | 1,146 |
| Assets per employee ($millions) | 4.2856% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 2,227 |
| Loan loss allowance to noncurrent loans | 38.1902% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.8424% | 691 |
| Noncurrent loans to loans | 4.0655% | 426 |
| Net loans and leases to total assets | 34.5382% | 5,902 |
| Net loans and leases to deposits | 38.7694% | 5,960 |
| Net loans and leases to core deposits | 40.0269% | 5,972 |
| Total domestic deposits to total assets | 89.0862% | 1,211 |
| Equity capital to assets | 10.7556% | 3,251 |
| Core capital (leverage) ratio | 9.2270% | 4,680 |
| Tier 1 risk-based capital ratio | 25.5362% | 830 |
| Total risk-based capital ratio | 26.7874% | 812 |
| Memoranda: | ||
| Average total assets | $132,334,500 | 3,948 |
| Average earning assets | $126,861,000 | 3,850 |
| Average equity | $14,436,000 | 4,007 |
| Average total loans | $48,739,500 | 4,825 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2565% | 5,766 |
| Cost of funding earning assets | 0.1858% | 5,873 |
| Net interest margin | 3.0707% | 5,276 |
| Noninterest income to average assets | 0.1985% | 5,667 |
| Noninterest expense to average assets | 3.1224% | 2,441 |
| Loan and lease loss provision to assets | 0.0078% | 4,471 |
| Net operating income to assets | 0.0118% | 6,076 |
| Return on assets (ROA) | 0.2824% | 5,636 |
| Pretax return on assets | 0.2824% | 5,736 |
| Return on Equity (ROE) | 2.6260% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.6260% | 4,374 |
| Net charge-offs to loans | 0.0210% | 4,422 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 4,135 |
| Efficiency ratio | 99.3758% | 382 |
| Assets per employee ($millions) | 4.1139% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 2,554 |
| Loan loss allowance to noncurrent loans | 34.6919% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 3.1773% | 607 |
| Noncurrent loans to loans | 4.2741% | 403 |
| Net loans and leases to total assets | 38.1358% | 5,840 |
| Net loans and leases to deposits | 42.9642% | 5,932 |
| Net loans and leases to core deposits | 44.1799% | 5,950 |
| Total domestic deposits to total assets | 88.7619% | 1,378 |
| Equity capital to assets | 11.0734% | 2,830 |
| Core capital (leverage) ratio | 9.7808% | 3,860 |
| Tier 1 risk-based capital ratio | 25.1840% | 823 |
| Total risk-based capital ratio | 26.4359% | 808 |
| Memoranda: | ||
| Average total assets | $127,466,800 | 4,030 |
| Average earning assets | $122,188,000 | 3,916 |
| Average equity | $13,709,000 | 4,071 |
| Average total loans | $47,709,200 | 4,892 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 5,885 |
| Cost of funding earning assets | 0.1868% | 5,948 |
| Net interest margin | 3.0278% | 5,444 |
| Noninterest income to average assets | 0.1130% | 6,193 |
| Noninterest expense to average assets | 3.1583% | 2,295 |
| Loan and lease loss provision to assets | 0.0105% | 4,210 |
| Net operating income to assets | -0.1559% | 6,251 |
| Return on assets (ROA) | 0.2092% | 5,885 |
| Pretax return on assets | 0.2092% | 5,936 |
| Return on Equity (ROE) | 1.9599% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.9599% | 5,079 |
| Net charge-offs to loans | 0.0282% | 3,925 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | -13.9032% | 4,643 |
| Efficiency ratio | 104.8264% | 283 |
| Assets per employee ($millions) | 4.4868% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 2,588 |
| Loan loss allowance to noncurrent loans | 29.1866% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 3.3060% | 669 |
| Noncurrent loans to loans | 5.2312% | 323 |
| Net loans and leases to total assets | 35.0740% | 6,067 |
| Net loans and leases to deposits | 39.0752% | 6,151 |
| Net loans and leases to core deposits | 40.4623% | 6,165 |
| Total domestic deposits to total assets | 89.7603% | 842 |
| Equity capital to assets | 10.0168% | 4,145 |
| Core capital (leverage) ratio | 9.5294% | 4,331 |
| Tier 1 risk-based capital ratio | 25.7372% | 812 |
| Total risk-based capital ratio | 26.9893% | 790 |
| Memoranda: | ||
| Average total assets | $127,450,750 | 4,058 |
| Average earning assets | $122,067,500 | 3,950 |
| Average equity | $13,605,750 | 4,109 |
| Average total loans | $47,294,750 | 4,960 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2639% | 5,850 |
| Cost of funding earning assets | 0.1889% | 6,012 |
| Net interest margin | 3.0749% | 5,335 |
| Noninterest income to average assets | -0.0656% | 6,590 |
| Noninterest expense to average assets | 3.1951% | 2,210 |
| Loan and lease loss provision to assets | 0.0160% | 3,939 |
| Net operating income to assets | -0.3358% | 6,388 |
| Return on assets (ROA) | 0.2894% | 5,672 |
| Pretax return on assets | 0.2894% | 5,803 |
| Return on Equity (ROE) | 2.6527% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.6527% | 4,515 |
| Net charge-offs to loans | 0.0425% | 3,373 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 4,335 |
| Efficiency ratio | 111.1235% | 213 |
| Assets per employee ($millions) | 4.0494% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 2,646 |
| Loan loss allowance to noncurrent loans | 36.4905% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 3.2499% | 754 |
| Noncurrent loans to loans | 4.2607% | 536 |
| Net loans and leases to total assets | 38.1533% | 5,949 |
| Net loans and leases to deposits | 43.1467% | 6,015 |
| Net loans and leases to core deposits | 45.0283% | 6,031 |
| Total domestic deposits to total assets | 88.4270% | 1,669 |
| Equity capital to assets | 11.4421% | 2,472 |
| Core capital (leverage) ratio | 9.7144% | 4,015 |
| Tier 1 risk-based capital ratio | 26.1478% | 754 |
| Total risk-based capital ratio | 27.4007% | 744 |
| Memoranda: | ||
| Average total assets | $125,066,330 | 4,130 |
| Average earning assets | $119,613,000 | 4,019 |
| Average equity | $13,646,670 | 4,111 |
| Average total loans | $47,078,670 | 4,999 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2168% | 5,980 |
| Cost of funding earning assets | 0.1815% | 6,152 |
| Net interest margin | 3.0354% | 5,426 |
| Noninterest income to average assets | 0.5234% | 3,240 |
| Noninterest expense to average assets | 3.1373% | 2,411 |
| Loan and lease loss provision to assets | 0.0158% | 3,620 |
| Net operating income to assets | 0.2712% | 5,591 |
| Return on assets (ROA) | 0.6874% | 3,829 |
| Pretax return on assets | 0.6874% | 4,528 |
| Return on Equity (ROE) | 6.4497% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.4497% | 2,316 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6206% | 903 |
| Assets per employee ($millions) | 4.1836% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 2,796 |
| Loan loss allowance to noncurrent loans | 41.0356% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 3.4266% | 772 |
| Noncurrent loans to loans | 3.8496% | 714 |
| Net loans and leases to total assets | 35.4044% | 6,100 |
| Net loans and leases to deposits | 39.7760% | 6,174 |
| Net loans and leases to core deposits | 41.3808% | 6,185 |
| Total domestic deposits to total assets | 89.0094% | 1,657 |
| Equity capital to assets | 10.6552% | 3,087 |
| Core capital (leverage) ratio | 9.6940% | 4,005 |
| Tier 1 risk-based capital ratio | 26.2091% | 774 |
| Total risk-based capital ratio | 27.4633% | 761 |
| Memoranda: | ||
| Average total assets | $126,859,000 | 4,128 |
| Average earning assets | $121,237,500 | 4,019 |
| Average equity | $13,520,000 | 4,148 |
| Average total loans | $47,077,500 | 5,040 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 5,697 |
| Cost of funding earning assets | 0.2143% | 6,205 |
| Net interest margin | 3.2542% | 4,826 |
| Noninterest income to average assets | 0.3903% | 4,515 |
| Noninterest expense to average assets | 3.2287% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2730% | 5,609 |
| Return on assets (ROA) | 0.3163% | 5,564 |
| Pretax return on assets | 0.3163% | 5,685 |
| Return on Equity (ROE) | 2.6288% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.6288% | 4,382 |
| Net charge-offs to loans | 0.1756% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.8214% | 3,748 |
| Efficiency ratio | 92.2050% | 866 |
| Assets per employee ($millions) | 4.1342% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 3,003 |
| Loan loss allowance to noncurrent loans | 63.5969% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 3.2034% | 956 |
| Noncurrent loans to loans | 2.4231% | 1,577 |
| Net loans and leases to total assets | 37.7093% | 6,117 |
| Net loans and leases to deposits | 42.7739% | 6,186 |
| Net loans and leases to core deposits | 44.5568% | 6,203 |
| Total domestic deposits to total assets | 88.1596% | 2,083 |
| Equity capital to assets | 10.6599% | 2,969 |
| Core capital (leverage) ratio | 10.4044% | 3,018 |
| Tier 1 risk-based capital ratio | 25.5842% | 808 |
| Total risk-based capital ratio | 26.8371% | 794 |
| Memoranda: | ||
| Average total assets | $117,602,000 | 4,326 |
| Average earning assets | $112,439,400 | 4,213 |
| Average equity | $14,151,200 | 4,037 |
| Average total loans | $47,840,200 | 5,030 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 5,645 |
| Cost of funding earning assets | 0.2202% | 6,292 |
| Net interest margin | 3.2973% | 4,648 |
| Noninterest income to average assets | 0.3747% | 4,710 |
| Noninterest expense to average assets | 3.1782% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3460% | 5,449 |
| Return on assets (ROA) | 0.4046% | 5,364 |
| Pretax return on assets | 0.4046% | 5,610 |
| Return on Equity (ROE) | 3.2628% | 5,507 |
| Retained earnings to average equity (ytd only) | 3.2628% | 4,353 |
| Net charge-offs to loans | 0.2337% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.5832% | 3,661 |
| Efficiency ratio | 90.1826% | 976 |
| Assets per employee ($millions) | 4.1542% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 3,171 |
| Loan loss allowance to noncurrent loans | 52.3980% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 3.6272% | 912 |
| Noncurrent loans to loans | 2.9841% | 1,353 |
| Net loans and leases to total assets | 39.6185% | 6,054 |
| Net loans and leases to deposits | 44.9095% | 6,160 |
| Net loans and leases to core deposits | 47.0335% | 6,167 |
| Total domestic deposits to total assets | 88.2184% | 1,983 |
| Equity capital to assets | 11.6311% | 2,186 |
| Core capital (leverage) ratio | 10.8386% | 2,631 |
| Tier 1 risk-based capital ratio | 25.8876% | 794 |
| Total risk-based capital ratio | 27.1381% | 780 |
| Memoranda: | ||
| Average total assets | $115,996,250 | 4,411 |
| Average earning assets | $110,794,750 | 4,284 |
| Average equity | $14,383,750 | 4,039 |
| Average total loans | $47,925,000 | 5,078 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 5,622 |
| Cost of funding earning assets | 0.2279% | 6,318 |
| Net interest margin | 3.3058% | 4,557 |
| Noninterest income to average assets | 0.3452% | 4,930 |
| Noninterest expense to average assets | 3.1996% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3003% | 5,599 |
| Return on assets (ROA) | 0.3417% | 5,608 |
| Pretax return on assets | 0.3417% | 5,770 |
| Return on Equity (ROE) | 2.6996% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.6996% | 4,591 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4201% | 941 |
| Assets per employee ($millions) | 3.8210% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 2,708 |
| Loan loss allowance to noncurrent loans | 70.8333% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 3.1946% | 1,244 |
| Noncurrent loans to loans | 2.4274% | 1,930 |
| Net loans and leases to total assets | 40.6900% | 5,995 |
| Net loans and leases to deposits | 46.2678% | 6,088 |
| Net loans and leases to core deposits | 49.0040% | 6,077 |
| Total domestic deposits to total assets | 87.9447% | 2,285 |
| Equity capital to assets | 11.9096% | 1,971 |
| Core capital (leverage) ratio | 10.6126% | 2,753 |
| Tier 1 risk-based capital ratio | 25.4366% | 827 |
| Total risk-based capital ratio | 26.6641% | 813 |
| Memoranda: | ||
| Average total assets | $115,889,330 | 4,445 |
| Average earning assets | $110,592,670 | 4,319 |
| Average equity | $14,668,670 | 4,013 |
| Average total loans | $48,295,000 | 5,089 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 5,579 |
| Cost of funding earning assets | 0.2305% | 6,412 |
| Net interest margin | 3.3199% | 4,441 |
| Noninterest income to average assets | 0.4497% | 4,120 |
| Noninterest expense to average assets | 3.1995% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4154% | 5,070 |
| Return on assets (ROA) | 0.4943% | 4,848 |
| Pretax return on assets | 0.4943% | 5,281 |
| Return on Equity (ROE) | 3.7952% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.7952% | 3,956 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5090% | 1,275 |
| Assets per employee ($millions) | 3.9795% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 3,083 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 3.1721% | 1,378 |
| Noncurrent loans to loans | 2.2426% | 2,337 |
| Net loans and leases to total assets | 39.9544% | 5,999 |
| Net loans and leases to deposits | 45.8821% | 6,060 |
| Net loans and leases to core deposits | 48.6521% | 6,057 |
| Total domestic deposits to total assets | 87.0806% | 2,916 |
| Equity capital to assets | 12.6606% | 1,610 |
| Core capital (leverage) ratio | 10.6201% | 2,636 |
| Tier 1 risk-based capital ratio | 25.6824% | 821 |
| Total risk-based capital ratio | 26.9381% | 809 |
| Memoranda: | ||
| Average total assets | $116,519,000 | 4,468 |
| Average earning assets | $111,086,500 | 4,351 |
| Average equity | $15,177,000 | 3,960 |
| Average total loans | $48,713,000 | 5,108 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 6,320 |
| Cost of funding earning assets | 0.2958% | 6,476 |
| Net interest margin | 3.2378% | 5,464 |
| Noninterest income to average assets | 0.3711% | 4,820 |
| Noninterest expense to average assets | 3.1147% | 2,887 |
| Loan and lease loss provision to assets | 0.2592% | 2,576 |
| Net operating income to assets | 0.1317% | 5,936 |
| Return on assets (ROA) | 0.1424% | 6,064 |
| Pretax return on assets | 0.1424% | 6,081 |
| Return on Equity (ROE) | 1.1379% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.3815% | 5,664 |
| Net charge-offs to loans | 0.3281% | 3,003 |
| Credit loss provision to net charge-offs | 195.6522% | 1,334 |
| Earnings coverage of net charge-offs (x) | 2.9503% | 3,952 |
| Efficiency ratio | 88.8498% | 1,158 |
| Assets per employee ($millions) | 4.0590% | 3,837 |
| Cash dividends to net income (ytd only)* | 66.4740% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,049 |
| Loan loss allowance to noncurrent loans | 68.5139% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 3.4227% | 1,334 |
| Noncurrent loans to loans | 2.4351% | 2,180 |
| Net loans and leases to total assets | 42.3169% | 5,971 |
| Net loans and leases to deposits | 48.9905% | 6,034 |
| Net loans and leases to core deposits | 52.1604% | 6,006 |
| Total domestic deposits to total assets | 86.3777% | 3,164 |
| Equity capital to assets | 13.4085% | 1,265 |
| Core capital (leverage) ratio | 10.6341% | 2,616 |
| Tier 1 risk-based capital ratio | 25.1540% | 833 |
| Total risk-based capital ratio | 26.4097% | 821 |
| Memoranda: | ||
| Average total assets | $121,520,800 | 4,329 |
| Average earning assets | $117,640,400 | 4,173 |
| Average equity | $15,203,400 | 3,917 |
| Average total loans | $49,068,400 | 5,139 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 6,507 |
| Cost of funding earning assets | 0.3068% | 6,583 |
| Net interest margin | 3.1964% | 5,715 |
| Noninterest income to average assets | 0.1598% | 6,342 |
| Noninterest expense to average assets | 2.8061% | 3,960 |
| Loan and lease loss provision to assets | 0.3347% | 1,954 |
| Net operating income to assets | 0.1231% | 6,085 |
| Return on assets (ROA) | 0.1350% | 6,207 |
| Pretax return on assets | 0.1350% | 6,222 |
| Return on Equity (ROE) | 1.0968% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.0877% | 6,047 |
| Net charge-offs to loans | 0.4371% | 2,352 |
| Credit loss provision to net charge-offs | 192.5466% | 1,442 |
| Earnings coverage of net charge-offs (x) | 2.6336% | 3,982 |
| Efficiency ratio | 85.9742% | 1,380 |
| Assets per employee ($millions) | 3.6880% | 4,573 |
| Cash dividends to net income (ytd only)* | 92.0017% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 3,306 |
| Loan loss allowance to noncurrent loans | 101.8844% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 3.0570% | 1,700 |
| Noncurrent loans to loans | 1.6259% | 3,356 |
| Net loans and leases to total assets | 42.1109% | 6,122 |
| Net loans and leases to deposits | 48.7762% | 6,207 |
| Net loans and leases to core deposits | 52.9112% | 6,122 |
| Total domestic deposits to total assets | 86.3351% | 3,066 |
| Equity capital to assets | 13.5311% | 1,337 |
| Core capital (leverage) ratio | 10.2439% | 3,234 |
| Tier 1 risk-based capital ratio | 23.9729% | 1,026 |
| Total risk-based capital ratio | 25.2032% | 1,010 |
| Memoranda: | ||
| Average total assets | $123,488,000 | 4,321 |
| Average earning assets | $119,925,250 | 4,152 |
| Average equity | $15,194,500 | 3,955 |
| Average total loans | $49,108,000 | 5,198 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4766% | 6,636 |
| Cost of funding earning assets | 0.3079% | 6,705 |
| Net interest margin | 3.1686% | 5,825 |
| Noninterest income to average assets | 0.1628% | 6,363 |
| Noninterest expense to average assets | 2.7185% | 4,332 |
| Loan and lease loss provision to assets | 0.1976% | 3,108 |
| Net operating income to assets | 0.3366% | 5,475 |
| Return on assets (ROA) | 0.3540% | 5,633 |
| Pretax return on assets | 0.3540% | 5,818 |
| Return on Equity (ROE) | 2.9664% | 5,704 |
| Retained earnings to average equity (ytd only) | 1.8805% | 5,264 |
| Net charge-offs to loans | 0.0041% | 5,449 |
| Credit loss provision to net charge-offs | 12,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 338.0000% | 124 |
| Efficiency ratio | 83.5763% | 1,676 |
| Assets per employee ($millions) | 3.9396% | 3,998 |
| Cash dividends to net income (ytd only)* | 36.6071% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 3,505 |
| Loan loss allowance to noncurrent loans | 27.5693% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 3.0941% | 1,769 |
| Noncurrent loans to loans | 5.9054% | 759 |
| Net loans and leases to total assets | 41.5689% | 6,221 |
| Net loans and leases to deposits | 48.0610% | 6,305 |
| Net loans and leases to core deposits | 53.1486% | 6,152 |
| Total domestic deposits to total assets | 86.4918% | 3,079 |
| Equity capital to assets | 13.4216% | 1,333 |
| Core capital (leverage) ratio | 10.2557% | 3,090 |
| Tier 1 risk-based capital ratio | 25.5292% | 851 |
| Total risk-based capital ratio | 26.7838% | 833 |
| Memoranda: | ||
| Average total assets | $126,541,000 | 4,280 |
| Average earning assets | $123,396,670 | 4,091 |
| Average equity | $15,102,670 | 3,968 |
| Average total loans | $49,158,670 | 5,226 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3882% | 6,825 |
| Cost of funding earning assets | 0.2937% | 6,863 |
| Net interest margin | 3.0945% | 6,062 |
| Noninterest income to average assets | 0.2201% | 6,041 |
| Noninterest expense to average assets | 2.6378% | 4,670 |
| Loan and lease loss provision to assets | 0.1809% | 3,164 |
| Net operating income to assets | 0.4190% | 5,174 |
| Return on assets (ROA) | 0.4251% | 5,331 |
| Pretax return on assets | 0.4251% | 5,654 |
| Return on Equity (ROE) | 3.7633% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.0693% | 4,721 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4711% | 2,009 |
| Assets per employee ($millions) | 4.4058% | 3,180 |
| Cash dividends to net income (ytd only)* | 18.4397% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 4,361 |
| Loan loss allowance to noncurrent loans | 85.6465% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 3,957 |
| Noncurrent loans to loans | 1.6955% | 3,564 |
| Net loans and leases to total assets | 38.3484% | 6,469 |
| Net loans and leases to deposits | 43.5513% | 6,583 |
| Net loans and leases to core deposits | 47.7754% | 6,470 |
| Total domestic deposits to total assets | 88.0533% | 2,283 |
| Equity capital to assets | 11.7392% | 2,228 |
| Core capital (leverage) ratio | 9.6073% | 3,902 |
| Tier 1 risk-based capital ratio | 24.0070% | 1,003 |
| Total risk-based capital ratio | 25.2606% | 991 |
| Memoranda: | ||
| Average total assets | $132,687,000 | 4,170 |
| Average earning assets | $129,390,500 | 4,000 |
| Average equity | $14,987,000 | 3,992 |
| Average total loans | $49,599,000 | 5,245 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 6,605 |
| Cost of funding earning assets | 0.3918% | 6,914 |
| Net interest margin | 3.5152% | 5,091 |
| Noninterest income to average assets | 0.1922% | 6,124 |
| Noninterest expense to average assets | 2.9815% | 3,663 |
| Loan and lease loss provision to assets | 0.0724% | 5,710 |
| Net operating income to assets | 0.5425% | 4,264 |
| Return on assets (ROA) | 0.5500% | 4,416 |
| Pretax return on assets | 0.5500% | 4,834 |
| Return on Equity (ROE) | 4.9951% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.0001% | 4,089 |
| Net charge-offs to loans | 0.0806% | 5,517 |
| Credit loss provision to net charge-offs | 212.1951% | 1,159 |
| Earnings coverage of net charge-offs (x) | 18.0244% | 1,238 |
| Efficiency ratio | 82.9014% | 1,899 |
| Assets per employee ($millions) | 4.5869% | 2,777 |
| Cash dividends to net income (ytd only)* | 39.9395% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 4,719 |
| Loan loss allowance to noncurrent loans | 81.2270% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 4,257 |
| Noncurrent loans to loans | 1.6472% | 3,690 |
| Net loans and leases to total assets | 35.4759% | 6,789 |
| Net loans and leases to deposits | 39.8855% | 6,889 |
| Net loans and leases to core deposits | 43.1375% | 6,848 |
| Total domestic deposits to total assets | 88.9445% | 1,574 |
| Equity capital to assets | 10.8825% | 3,101 |
| Core capital (leverage) ratio | 10.4669% | 2,764 |
| Tier 1 risk-based capital ratio | 24.4443% | 930 |
| Total risk-based capital ratio | 25.6957% | 916 |
| Memoranda: | ||
| Average total assets | $120,176,200 | 4,396 |
| Average earning assets | $116,381,800 | 4,227 |
| Average equity | $13,233,000 | 4,296 |
| Average total loans | $50,860,000 | 5,239 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 6,382 |
| Cost of funding earning assets | 0.4293% | 6,944 |
| Net interest margin | 3.6845% | 4,410 |
| Noninterest income to average assets | 0.1600% | 6,447 |
| Noninterest expense to average assets | 2.9851% | 3,605 |
| Loan and lease loss provision to assets | 0.0403% | 5,938 |
| Net operating income to assets | 0.6919% | 3,666 |
| Return on assets (ROA) | 0.6873% | 3,857 |
| Pretax return on assets | 0.6873% | 4,529 |
| Return on Equity (ROE) | 6.2198% | 3,916 |
| Retained earnings to average equity (ytd only) | 4.1465% | 3,780 |
| Net charge-offs to loans | 0.1068% | 4,935 |
| Credit loss provision to net charge-offs | 85.3659% | 3,950 |
| Earnings coverage of net charge-offs (x) | 15.5109% | 1,461 |
| Efficiency ratio | 80.3035% | 2,217 |
| Assets per employee ($millions) | 3.4374% | 5,149 |
| Cash dividends to net income (ytd only)* | 33.3338% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 5,369 |
| Loan loss allowance to noncurrent loans | 80.0525% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.6555% | 3,599 |
| Noncurrent loans to loans | 1.5311% | 3,986 |
| Net loans and leases to total assets | 44.6890% | 6,264 |
| Net loans and leases to deposits | 51.7197% | 6,389 |
| Net loans and leases to core deposits | 56.4634% | 6,279 |
| Total domestic deposits to total assets | 86.4061% | 2,983 |
| Equity capital to assets | 13.4739% | 1,383 |
| Core capital (leverage) ratio | 10.2392% | 3,144 |
| Tier 1 risk-based capital ratio | 24.1031% | 1,000 |
| Total risk-based capital ratio | 25.3601% | 985 |
| Memoranda: | ||
| Average total assets | $115,818,750 | 4,538 |
| Average earning assets | $111,817,750 | 4,366 |
| Average equity | $12,797,500 | 4,381 |
| Average total loans | $51,205,250 | 5,263 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 6,601 |
| Cost of funding earning assets | 0.4323% | 7,054 |
| Net interest margin | 3.6061% | 4,702 |
| Noninterest income to average assets | 0.2819% | 5,633 |
| Noninterest expense to average assets | 2.9790% | 3,720 |
| Loan and lease loss provision to assets | 0.0340% | 5,886 |
| Net operating income to assets | 0.7541% | 3,268 |
| Return on assets (ROA) | 0.7354% | 3,481 |
| Pretax return on assets | 0.7354% | 4,260 |
| Return on Equity (ROE) | 7.1434% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.1637% | 2,903 |
| Net charge-offs to loans | 0.0426% | 5,261 |
| Credit loss provision to net charge-offs | 181.8182% | 1,658 |
| Earnings coverage of net charge-offs (x) | 42.1818% | 716 |
| Efficiency ratio | 79.0803% | 2,542 |
| Assets per employee ($millions) | 3.5902% | 4,715 |
| Cash dividends to net income (ytd only)* | 27.7136% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 5,504 |
| Loan loss allowance to noncurrent loans | 56.1545% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6273% | 3,747 |
| Noncurrent loans to loans | 2.1533% | 3,282 |
| Net loans and leases to total assets | 43.1002% | 6,513 |
| Net loans and leases to deposits | 48.5095% | 6,698 |
| Net loans and leases to core deposits | 52.1376% | 6,655 |
| Total domestic deposits to total assets | 88.8491% | 1,634 |
| Equity capital to assets | 11.0732% | 2,884 |
| Core capital (leverage) ratio | 9.5444% | 3,886 |
| Tier 1 risk-based capital ratio | 23.0283% | 1,115 |
| Total risk-based capital ratio | 24.2677% | 1,102 |
| Memoranda: | ||
| Average total assets | $117,759,000 | 4,521 |
| Average earning assets | $113,806,670 | 4,339 |
| Average equity | $12,123,000 | 4,523 |
| Average total loans | $51,684,670 | 5,295 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 6,556 |
| Cost of funding earning assets | 0.4299% | 7,161 |
| Net interest margin | 3.6439% | 4,358 |
| Noninterest income to average assets | 0.2521% | 5,884 |
| Noninterest expense to average assets | 2.9369% | 3,909 |
| Loan and lease loss provision to assets | 0.0341% | 5,550 |
| Net operating income to assets | 0.8041% | 3,011 |
| Return on assets (ROA) | 0.8041% | 3,076 |
| Pretax return on assets | 0.8041% | 3,887 |
| Return on Equity (ROE) | 8.1204% | 2,855 |
| Retained earnings to average equity (ytd only) | 5.9183% | 2,687 |
| Net charge-offs to loans | 0.0619% | 4,305 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 818 |
| Efficiency ratio | 77.7978% | 2,875 |
| Assets per employee ($millions) | 4.1617% | 3,515 |
| Cash dividends to net income (ytd only)* | 27.1186% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,624 |
| Loan loss allowance to noncurrent loans | 55.5755% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.5434% | 3,930 |
| Noncurrent loans to loans | 2.1623% | 3,371 |
| Net loans and leases to total assets | 40.6946% | 6,731 |
| Net loans and leases to deposits | 45.0178% | 6,913 |
| Net loans and leases to core deposits | 48.3283% | 6,862 |
| Total domestic deposits to total assets | 90.3966% | 900 |
| Equity capital to assets | 9.4007% | 4,570 |
| Core capital (leverage) ratio | 9.9363% | 3,215 |
| Tier 1 risk-based capital ratio | 22.7108% | 1,123 |
| Total risk-based capital ratio | 23.9343% | 1,103 |
| Memoranda: | ||
| Average total assets | $117,401,000 | 4,551 |
| Average earning assets | $113,503,500 | 4,365 |
| Average equity | $11,625,000 | 4,639 |
| Average total loans | $51,683,000 | 5,340 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 6,199 |
| Cost of funding earning assets | 0.5377% | 7,246 |
| Net interest margin | 4.0277% | 2,895 |
| Noninterest income to average assets | 0.2344% | 6,124 |
| Noninterest expense to average assets | 3.2245% | 2,998 |
| Loan and lease loss provision to assets | 0.0905% | 6,236 |
| Net operating income to assets | 0.8172% | 2,719 |
| Return on assets (ROA) | 0.9512% | 2,323 |
| Pretax return on assets | 0.9512% | 3,101 |
| Return on Equity (ROE) | 8.9397% | 2,321 |
| Retained earnings to average equity (ytd only) | 4.9589% | 2,435 |
| Net charge-offs to loans | 0.2032% | 5,070 |
| Credit loss provision to net charge-offs | 90.9091% | 5,086 |
| Earnings coverage of net charge-offs (x) | 9.1182% | 1,871 |
| Efficiency ratio | 78.0333% | 2,709 |
| Assets per employee ($millions) | 3.4359% | 5,096 |
| Cash dividends to net income (ytd only)* | 44.5290% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,583 |
| Loan loss allowance to noncurrent loans | 150.6112% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 4,785 |
| Noncurrent loans to loans | 0.7874% | 5,463 |
| Net loans and leases to total assets | 46.6794% | 6,498 |
| Net loans and leases to deposits | 52.2653% | 6,726 |
| Net loans and leases to core deposits | 56.6221% | 6,661 |
| Total domestic deposits to total assets | 89.3124% | 1,489 |
| Equity capital to assets | 10.4711% | 3,185 |
| Core capital (leverage) ratio | 10.1226% | 2,955 |
| Tier 1 risk-based capital ratio | 22.4278% | 1,117 |
| Total risk-based capital ratio | 23.6506% | 1,103 |
| Memoranda: | ||
| Average total assets | $110,496,600 | 4,701 |
| Average earning assets | $106,935,600 | 4,533 |
| Average equity | $11,756,600 | 4,680 |
| Average total loans | $54,140,600 | 5,311 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 6,306 |
| Cost of funding earning assets | 0.5566% | 7,371 |
| Net interest margin | 4.0543% | 2,837 |
| Noninterest income to average assets | 0.4290% | 4,727 |
| Noninterest expense to average assets | 3.1165% | 3,256 |
| Loan and lease loss provision to assets | 0.0482% | 6,598 |
| Net operating income to assets | 1.1883% | 1,626 |
| Return on assets (ROA) | 1.1883% | 1,719 |
| Pretax return on assets | 1.1883% | 2,532 |
| Return on Equity (ROE) | 11.1244% | 1,746 |
| Retained earnings to average equity (ytd only) | 7.2998% | 1,703 |
| Net charge-offs to loans | 0.2414% | 4,494 |
| Credit loss provision to net charge-offs | 40.4040% | 6,010 |
| Earnings coverage of net charge-offs (x) | 10.3634% | 1,895 |
| Efficiency ratio | 71.5947% | 3,780 |
| Assets per employee ($millions) | 3.4880% | 5,012 |
| Cash dividends to net income (ytd only)* | 34.3815% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 6,043 |
| Loan loss allowance to noncurrent loans | 38.2075% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 1.5670% | 4,095 |
| Noncurrent loans to loans | 2.8131% | 2,836 |
| Net loans and leases to total assets | 46.7558% | 6,637 |
| Net loans and leases to deposits | 52.9076% | 6,840 |
| Net loans and leases to core deposits | 59.9141% | 6,608 |
| Total domestic deposits to total assets | 88.3726% | 1,748 |
| Equity capital to assets | 11.4939% | 2,536 |
| Core capital (leverage) ratio | 10.5634% | 2,622 |
| Tier 1 risk-based capital ratio | 23.0454% | 1,062 |
| Total risk-based capital ratio | 24.1956% | 1,049 |
| Memoranda: | ||
| Average total assets | $110,633,250 | 4,752 |
| Average earning assets | $107,077,750 | 4,594 |
| Average equity | $11,817,500 | 4,733 |
| Average total loans | $54,690,750 | 5,362 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 6,181 |
| Cost of funding earning assets | 0.5581% | 7,472 |
| Net interest margin | 4.1292% | 2,432 |
| Noninterest income to average assets | 0.3898% | 4,994 |
| Noninterest expense to average assets | 3.1404% | 3,140 |
| Loan and lease loss provision to assets | 0.0453% | 6,518 |
| Net operating income to assets | 1.2021% | 1,553 |
| Return on assets (ROA) | 1.2021% | 1,625 |
| Pretax return on assets | 1.2021% | 2,408 |
| Return on Equity (ROE) | 11.5502% | 1,580 |
| Retained earnings to average equity (ytd only) | 7.8918% | 1,481 |
| Net charge-offs to loans | 0.0578% | 5,584 |
| Credit loss provision to net charge-offs | 156.2500% | 2,525 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 686 |
| Efficiency ratio | 71.5702% | 3,882 |
| Assets per employee ($millions) | 3.4008% | 5,183 |
| Cash dividends to net income (ytd only)* | 31.6742% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 5,534 |
| Loan loss allowance to noncurrent loans | 30.3392% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 3,590 |
| Noncurrent loans to loans | 3.9024% | 1,955 |
| Net loans and leases to total assets | 48.7016% | 6,574 |
| Net loans and leases to deposits | 54.9588% | 6,796 |
| Net loans and leases to core deposits | 61.4973% | 6,593 |
| Total domestic deposits to total assets | 88.6146% | 1,668 |
| Equity capital to assets | 11.2604% | 2,629 |
| Core capital (leverage) ratio | 10.1650% | 2,977 |
| Tier 1 risk-based capital ratio | 22.3992% | 1,140 |
| Total risk-based capital ratio | 23.6369% | 1,120 |
| Memoranda: | ||
| Average total assets | $110,305,670 | 4,794 |
| Average earning assets | $106,799,670 | 4,627 |
| Average equity | $11,480,330 | 4,806 |
| Average total loans | $55,336,330 | 5,367 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 6,191 |
| Cost of funding earning assets | 0.5653% | 7,587 |
| Net interest margin | 4.1503% | 2,232 |
| Noninterest income to average assets | 0.3818% | 5,084 |
| Noninterest expense to average assets | 3.1158% | 3,205 |
| Loan and lease loss provision to assets | 0.0540% | 6,123 |
| Net operating income to assets | 1.2319% | 1,457 |
| Return on assets (ROA) | 1.2319% | 1,532 |
| Pretax return on assets | 1.2319% | 2,256 |
| Return on Equity (ROE) | 12.3315% | 1,411 |
| Retained earnings to average equity (ytd only) | 9.6633% | 1,218 |
| Net charge-offs to loans | 0.1139% | 4,298 |
| Credit loss provision to net charge-offs | 93.7500% | 3,569 |
| Earnings coverage of net charge-offs (x) | 22.3125% | 1,093 |
| Efficiency ratio | 70.7856% | 4,159 |
| Assets per employee ($millions) | 3.6855% | 4,607 |
| Cash dividends to net income (ytd only)* | 21.6374% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,749 |
| Loan loss allowance to noncurrent loans | 44.4840% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 4,718 |
| Noncurrent loans to loans | 2.5957% | 3,075 |
| Net loans and leases to total assets | 46.8285% | 6,768 |
| Net loans and leases to deposits | 52.1431% | 7,034 |
| Net loans and leases to core deposits | 59.6535% | 6,774 |
| Total domestic deposits to total assets | 89.8075% | 1,082 |
| Equity capital to assets | 9.9456% | 3,934 |
| Core capital (leverage) ratio | 10.0177% | 3,146 |
| Tier 1 risk-based capital ratio | 22.2768% | 1,165 |
| Total risk-based capital ratio | 23.5121% | 1,145 |
| Memoranda: | ||
| Average total assets | $111,046,500 | 4,848 |
| Average earning assets | $107,559,500 | 4,668 |
| Average equity | $11,093,500 | 4,956 |
| Average total loans | $56,187,500 | 5,414 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 5,091 |
| Cost of funding earning assets | 0.6201% | 7,764 |
| Net interest margin | 4.6984% | 838 |
| Noninterest income to average assets | 0.3680% | 5,460 |
| Noninterest expense to average assets | 3.4850% | 2,408 |
| Loan and lease loss provision to assets | 0.1633% | 6,057 |
| Net operating income to assets | 1.2770% | 1,083 |
| Return on assets (ROA) | 1.2770% | 1,138 |
| Pretax return on assets | 1.2770% | 1,762 |
| Return on Equity (ROE) | 11.8620% | 1,197 |
| Retained earnings to average equity (ytd only) | 1.0354% | 4,312 |
| Net charge-offs to loans | 0.2054% | 5,349 |
| Credit loss provision to net charge-offs | 144.0678% | 3,319 |
| Earnings coverage of net charge-offs (x) | 12.7034% | 1,484 |
| Efficiency ratio | 70.7569% | 4,484 |
| Assets per employee ($millions) | 3.4788% | 5,061 |
| Cash dividends to net income (ytd only)* | 91.2716% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 6,014 |
| Loan loss allowance to noncurrent loans | 67.8223% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 5,394 |
| Noncurrent loans to loans | 1.5846% | 4,278 |
| Net loans and leases to total assets | 53.4319% | 6,257 |
| Net loans and leases to deposits | 59.9823% | 6,637 |
| Net loans and leases to core deposits | 73.0252% | 6,595 |
| Total domestic deposits to total assets | 89.0794% | 1,447 |
| Equity capital to assets | 10.0369% | 3,707 |
| Core capital (leverage) ratio | 9.8293% | 3,299 |
| Tier 1 risk-based capital ratio | 20.3979% | 1,390 |
| Total risk-based capital ratio | 21.5899% | 1,364 |
| Memoranda: | ||
| Average total assets | $104,073,600 | 4,982 |
| Average earning assets | $100,949,800 | 4,813 |
| Average equity | $11,203,800 | 4,968 |
| Average total loans | $57,451,400 | 5,364 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 4,920 |
| Cost of funding earning assets | 0.6200% | 7,873 |
| Net interest margin | 4.7856% | 707 |
| Noninterest income to average assets | 0.3555% | 5,646 |
| Noninterest expense to average assets | 3.3057% | 2,898 |
| Loan and lease loss provision to assets | 0.2198% | 5,217 |
| Net operating income to assets | 1.4803% | 852 |
| Return on assets (ROA) | 1.4803% | 912 |
| Pretax return on assets | 1.4803% | 1,472 |
| Return on Equity (ROE) | 13.5115% | 1,007 |
| Retained earnings to average equity (ytd only) | 0.6254% | 4,934 |
| Net charge-offs to loans | 0.2748% | 4,327 |
| Credit loss provision to net charge-offs | 144.0678% | 3,387 |
| Earnings coverage of net charge-offs (x) | 11.1440% | 1,882 |
| Efficiency ratio | 66.0382% | 5,354 |
| Assets per employee ($millions) | 3.3189% | 5,345 |
| Cash dividends to net income (ytd only)* | 95.3708% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 5,595 |
| Loan loss allowance to noncurrent loans | 50.8943% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 4,682 |
| Noncurrent loans to loans | 2.2025% | 3,376 |
| Net loans and leases to total assets | 53.6701% | 6,425 |
| Net loans and leases to deposits | 62.6997% | 6,610 |
| Net loans and leases to core deposits | 71.7214% | 6,864 |
| Total domestic deposits to total assets | 85.5986% | 2,920 |
| Equity capital to assets | 10.8985% | 3,116 |
| Core capital (leverage) ratio | 10.0382% | 3,246 |
| Tier 1 risk-based capital ratio | 21.2481% | 1,336 |
| Total risk-based capital ratio | 22.4986% | 1,317 |
| Memoranda: | ||
| Average total assets | $103,131,500 | 5,042 |
| Average earning assets | $100,215,500 | 4,859 |
| Average equity | $11,298,750 | 4,984 |
| Average total loans | $57,252,250 | 5,413 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 4,676 |
| Cost of funding earning assets | 0.6203% | 7,975 |
| Net interest margin | 4.8724% | 572 |
| Noninterest income to average assets | 0.2848% | 6,227 |
| Noninterest expense to average assets | 3.3193% | 2,882 |
| Loan and lease loss provision to assets | 0.0969% | 6,200 |
| Net operating income to assets | 1.6025% | 677 |
| Return on assets (ROA) | 1.6393% | 698 |
| Pretax return on assets | 1.6393% | 1,132 |
| Return on Equity (ROE) | 14.9373% | 840 |
| Retained earnings to average equity (ytd only) | -1.7480% | 5,683 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1390% | 5,527 |
| Assets per employee ($millions) | 3.5771% | 4,630 |
| Cash dividends to net income (ytd only)* | 111.7021% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 5,752 |
| Loan loss allowance to noncurrent loans | 27.6473% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 3,058 |
| Noncurrent loans to loans | 3.8921% | 1,748 |
| Net loans and leases to total assets | 53.4563% | 6,517 |
| Net loans and leases to deposits | 59.6446% | 6,918 |
| Net loans and leases to core deposits | 66.9237% | 7,174 |
| Total domestic deposits to total assets | 89.6246% | 994 |
| Equity capital to assets | 10.2272% | 3,693 |
| Core capital (leverage) ratio | 9.8746% | 3,427 |
| Tier 1 risk-based capital ratio | 20.2448% | 1,526 |
| Total risk-based capital ratio | 21.4497% | 1,496 |
| Memoranda: | ||
| Average total assets | $103,213,330 | 5,073 |
| Average earning assets | $100,280,000 | 4,883 |
| Average equity | $11,327,330 | 4,993 |
| Average total loans | $57,721,330 | 5,433 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 4,132 |
| Cost of funding earning assets | 0.6515% | 8,021 |
| Net interest margin | 4.9842% | 417 |
| Noninterest income to average assets | 0.3559% | 5,599 |
| Noninterest expense to average assets | 3.1869% | 3,049 |
| Loan and lease loss provision to assets | 0.1186% | 5,448 |
| Net operating income to assets | 1.8900% | 443 |
| Return on assets (ROA) | 1.8900% | 490 |
| Pretax return on assets | 1.8900% | 815 |
| Return on Equity (ROE) | 16.6210% | 735 |
| Retained earnings to average equity (ytd only) | 16.6210% | 296 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3394% | 6,189 |
| Assets per employee ($millions) | 3.2715% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 5,761 |
| Loan loss allowance to noncurrent loans | 36.8293% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 3,495 |
| Noncurrent loans to loans | 2.8748% | 2,272 |
| Net loans and leases to total assets | 55.6544% | 6,291 |
| Net loans and leases to deposits | 65.7101% | 6,401 |
| Net loans and leases to core deposits | 74.3131% | 6,789 |
| Total domestic deposits to total assets | 84.6968% | 3,363 |
| Equity capital to assets | 11.4655% | 2,610 |
| Core capital (leverage) ratio | 10.7040% | 2,737 |
| Tier 1 risk-based capital ratio | 21.9249% | 1,307 |
| Total risk-based capital ratio | 23.1222% | 1,286 |
| Memoranda: | ||
| Average total assets | $101,164,000 | 5,146 |
| Average earning assets | $98,230,000 | 4,965 |
| Average equity | $11,503,500 | 4,975 |
| Average total loans | $57,587,500 | 5,471 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8709% | 6,179 |
| Cost of funding earning assets | 0.9198% | 8,084 |
| Net interest margin | 4.9511% | 568 |
| Noninterest income to average assets | 0.3796% | 5,646 |
| Noninterest expense to average assets | 3.3188% | 2,905 |
| Loan and lease loss provision to assets | 0.0298% | 7,029 |
| Net operating income to assets | 1.8234% | 529 |
| Return on assets (ROA) | 2.0648% | 292 |
| Pretax return on assets | 2.0648% | 519 |
| Return on Equity (ROE) | 20.4238% | 343 |
| Retained earnings to average equity (ytd only) | 11.0080% | 324 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1691% | 5,523 |
| Assets per employee ($millions) | 3.1535% | 5,613 |
| Cash dividends to net income (ytd only)* | 46.1020% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,162 |
| Loan loss allowance to noncurrent loans | 57.9213% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 4,375 |
| Noncurrent loans to loans | 1.7049% | 3,217 |
| Net loans and leases to total assets | 57.0344% | 6,331 |
| Net loans and leases to deposits | 64.5630% | 6,750 |
| Net loans and leases to core deposits | 76.4187% | 6,838 |
| Total domestic deposits to total assets | 88.3392% | 1,318 |
| Equity capital to assets | 11.2763% | 2,825 |
| Core capital (leverage) ratio | 10.3039% | 3,173 |
| Tier 1 risk-based capital ratio | 20.7764% | 1,489 |
| Total risk-based capital ratio | 21.9042% | 1,484 |
| Memoranda: | ||
| Average total assets | $100,638,400 | 5,027 |
| Average earning assets | $97,412,800 | 4,879 |
| Average equity | $10,174,400 | 5,358 |
| Average total loans | $56,708,600 | 5,421 |