Home > Bank of Walnut Grove > Performance and Condition Ratios
Bank of Walnut Grove, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 2,741 |
| Cost of funding earning assets | 0.5079% | 2,201 |
| Net interest margin | 3.6556% | 2,929 |
| Noninterest income to average assets | 0.5874% | 2,554 |
| Noninterest expense to average assets | 3.0329% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5533% | 4,562 |
| Return on assets (ROA) | 0.5533% | 4,601 |
| Pretax return on assets | 0.5533% | 4,923 |
| Return on Equity (ROE) | 4.2883% | 4,773 |
| Retained earnings to average equity (ytd only) | -65.8951% | 5,723 |
| Net charge-offs to loans | 0.4736% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.6703% | 3,436 |
| Efficiency ratio | 84.5714% | 713 |
| Assets per employee ($millions) | 4.7820% | 2,721 |
| Cash dividends to net income (ytd only)* | 1,636.6338% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3823% | 308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 4,678 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 39.9885% | 5,200 |
| Net loans and leases to deposits | 43.6961% | 5,317 |
| Net loans and leases to core deposits | 47.5566% | 5,270 |
| Total domestic deposits to total assets | 91.5151% | 100 |
| Equity capital to assets | 8.1225% | 5,471 |
| Core capital (leverage) ratio | 8.0913% | 5,482 |
| Tier 1 risk-based capital ratio | 18.0240% | 1,846 |
| Total risk-based capital ratio | 19.2846% | 1,798 |
| Memoranda: | ||
| Average total assets | $58,557,000 | 5,052 |
| Average earning assets | $48,034,750 | 5,163 |
| Average equity | $7,555,250 | 4,899 |
| Average total loans | $25,618,500 | 5,191 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 2,408 |
| Cost of funding earning assets | 0.5199% | 2,015 |
| Net interest margin | 3.6984% | 2,667 |
| Noninterest income to average assets | 0.6005% | 2,453 |
| Noninterest expense to average assets | 2.7278% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8414% | 3,198 |
| Return on assets (ROA) | 0.8414% | 3,244 |
| Pretax return on assets | 0.8414% | 4,125 |
| Return on Equity (ROE) | 5.8216% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.8216% | 2,217 |
| Net charge-offs to loans | 0.4179% | 483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.5091% | 2,919 |
| Efficiency ratio | 76.4259% | 1,652 |
| Assets per employee ($millions) | 4.8737% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3788% | 335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 41.8217% | 5,149 |
| Net loans and leases to deposits | 49.3334% | 5,165 |
| Net loans and leases to core deposits | 53.9719% | 5,091 |
| Total domestic deposits to total assets | 84.7736% | 2,899 |
| Equity capital to assets | 14.7921% | 747 |
| Core capital (leverage) ratio | 14.8714% | 666 |
| Tier 1 risk-based capital ratio | 31.9910% | 404 |
| Total risk-based capital ratio | 33.2520% | 394 |
| Memoranda: | ||
| Average total assets | $58,948,000 | 5,078 |
| Average earning assets | $47,318,000 | 5,209 |
| Average equity | $8,520,000 | 4,766 |
| Average total loans | $26,322,330 | 5,211 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 1,402 |
| Cost of funding earning assets | 0.5422% | 1,767 |
| Net interest margin | 3.9464% | 1,615 |
| Noninterest income to average assets | 0.6218% | 2,311 |
| Noninterest expense to average assets | 2.9267% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6962% | 3,727 |
| Return on assets (ROA) | 0.6962% | 3,763 |
| Pretax return on assets | 0.6962% | 4,464 |
| Return on Equity (ROE) | 4.8731% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.8731% | 2,971 |
| Net charge-offs to loans | 0.5490% | 323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.7838% | 2,550 |
| Efficiency ratio | 80.7836% | 1,282 |
| Assets per employee ($millions) | 4.9435% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3423% | 388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.1543% | 5,091 |
| Net loans and leases to deposits | 50.5759% | 5,094 |
| Net loans and leases to core deposits | 55.2200% | 5,014 |
| Total domestic deposits to total assets | 85.3258% | 2,950 |
| Equity capital to assets | 14.3387% | 800 |
| Core capital (leverage) ratio | 14.5491% | 697 |
| Tier 1 risk-based capital ratio | 30.2640% | 469 |
| Total risk-based capital ratio | 31.5271% | 465 |
| Memoranda: | ||
| Average total assets | $59,180,000 | 5,129 |
| Average earning assets | $45,003,500 | 5,321 |
| Average equity | $8,454,500 | 4,817 |
| Average total loans | $26,956,000 | 5,240 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 988 |
| Cost of funding earning assets | 0.5159% | 1,974 |
| Net interest margin | 4.2214% | 1,069 |
| Noninterest income to average assets | 0.6279% | 2,516 |
| Noninterest expense to average assets | 2.9080% | 2,650 |
| Loan and lease loss provision to assets | 0.1098% | 2,225 |
| Net operating income to assets | 0.8990% | 2,823 |
| Return on assets (ROA) | 0.8990% | 2,946 |
| Pretax return on assets | 0.9230% | 3,759 |
| Return on Equity (ROE) | 6.2627% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.0357% | 3,737 |
| Net charge-offs to loans | 0.1974% | 1,405 |
| Credit loss provision to net charge-offs | 116.3636% | 2,265 |
| Earnings coverage of net charge-offs (x) | 10.9455% | 2,582 |
| Efficiency ratio | 73.7919% | 2,316 |
| Assets per employee ($millions) | 4.5414% | 3,054 |
| Cash dividends to net income (ytd only)* | 51.5267% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3504% | 372 |
| Loan loss allowance to noncurrent loans | 2,170.0000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 5,139 |
| Noncurrent loans to loans | 0.1083% | 4,799 |
| Net loans and leases to total assets | 45.8129% | 5,026 |
| Net loans and leases to deposits | 53.5658% | 5,034 |
| Net loans and leases to core deposits | 58.4964% | 4,932 |
| Total domestic deposits to total assets | 85.5263% | 2,820 |
| Equity capital to assets | 14.2332% | 816 |
| Core capital (leverage) ratio | 14.1945% | 765 |
| Tier 1 risk-based capital ratio | 28.8277% | 525 |
| Total risk-based capital ratio | 30.0902% | 516 |
| Memoranda: | ||
| Average total assets | $58,288,000 | 5,185 |
| Average earning assets | $45,743,200 | 5,340 |
| Average equity | $8,367,000 | 4,873 |
| Average total loans | $27,868,200 | 5,273 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 1,032 |
| Cost of funding earning assets | 0.5041% | 2,069 |
| Net interest margin | 4.2150% | 1,091 |
| Noninterest income to average assets | 0.6265% | 2,538 |
| Noninterest expense to average assets | 2.8043% | 2,996 |
| Loan and lease loss provision to assets | 0.1010% | 2,225 |
| Net operating income to assets | 1.0350% | 2,266 |
| Return on assets (ROA) | 1.0350% | 2,391 |
| Pretax return on assets | 1.0602% | 3,392 |
| Return on Equity (ROE) | 7.1945% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.1945% | 1,533 |
| Net charge-offs to loans | 0.1767% | 1,311 |
| Credit loss provision to net charge-offs | 118.9189% | 2,100 |
| Earnings coverage of net charge-offs (x) | 13.6763% | 2,293 |
| Efficiency ratio | 70.7176% | 2,790 |
| Assets per employee ($millions) | 4.5488% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 414 |
| Loan loss allowance to noncurrent loans | 4,992.3077% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 5,425 |
| Noncurrent loans to loans | 0.0468% | 5,172 |
| Net loans and leases to total assets | 45.8696% | 5,103 |
| Net loans and leases to deposits | 54.1817% | 5,100 |
| Net loans and leases to core deposits | 59.1977% | 4,984 |
| Total domestic deposits to total assets | 84.6588% | 2,966 |
| Equity capital to assets | 14.5430% | 860 |
| Core capital (leverage) ratio | 14.7119% | 684 |
| Tier 1 risk-based capital ratio | 29.2537% | 513 |
| Total risk-based capital ratio | 30.5157% | 511 |
| Memoranda: | ||
| Average total assets | $58,100,500 | 5,233 |
| Average earning assets | $46,024,500 | 5,383 |
| Average equity | $8,358,000 | 4,925 |
| Average total loans | $27,910,750 | 5,322 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 1,066 |
| Cost of funding earning assets | 0.4942% | 2,152 |
| Net interest margin | 4.1965% | 1,121 |
| Noninterest income to average assets | 0.6095% | 2,571 |
| Noninterest expense to average assets | 2.8569% | 2,820 |
| Loan and lease loss provision to assets | 0.1524% | 1,501 |
| Net operating income to assets | 0.9246% | 2,747 |
| Return on assets (ROA) | 0.9246% | 2,880 |
| Pretax return on assets | 0.9523% | 3,768 |
| Return on Equity (ROE) | 6.4514% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.4514% | 1,891 |
| Net charge-offs to loans | 0.2218% | 1,056 |
| Credit loss provision to net charge-offs | 141.9355% | 1,662 |
| Earnings coverage of net charge-offs (x) | 10.2903% | 2,343 |
| Efficiency ratio | 72.1154% | 2,633 |
| Assets per employee ($millions) | 4.4879% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3078% | 462 |
| Loan loss allowance to noncurrent loans | 8,187.5000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,560 |
| Noncurrent loans to loans | 0.0282% | 5,356 |
| Net loans and leases to total assets | 47.5241% | 5,032 |
| Net loans and leases to deposits | 55.9350% | 5,019 |
| Net loans and leases to core deposits | 61.1670% | 4,922 |
| Total domestic deposits to total assets | 84.9631% | 2,900 |
| Equity capital to assets | 14.4250% | 892 |
| Core capital (leverage) ratio | 14.6447% | 682 |
| Tier 1 risk-based capital ratio | 28.6405% | 554 |
| Total risk-based capital ratio | 29.9030% | 548 |
| Memoranda: | ||
| Average total assets | $57,755,670 | 5,297 |
| Average earning assets | $46,133,330 | 5,442 |
| Average equity | $8,277,330 | 4,977 |
| Average total loans | $27,956,330 | 5,374 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 1,091 |
| Cost of funding earning assets | 0.4940% | 2,151 |
| Net interest margin | 4.1863% | 1,125 |
| Noninterest income to average assets | 0.6195% | 2,419 |
| Noninterest expense to average assets | 3.0490% | 2,245 |
| Loan and lease loss provision to assets | 0.0975% | 2,069 |
| Net operating income to assets | 0.8214% | 3,147 |
| Return on assets (ROA) | 0.8214% | 3,271 |
| Pretax return on assets | 0.8353% | 4,077 |
| Return on Equity (ROE) | 5.7505% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.7505% | 2,498 |
| Net charge-offs to loans | 0.0433% | 2,137 |
| Credit loss provision to net charge-offs | 466.6667% | 640 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 949 |
| Efficiency ratio | 76.5734% | 2,096 |
| Assets per employee ($millions) | 4.4268% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3301% | 490 |
| Loan loss allowance to noncurrent loans | 2,720.8333% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 5,457 |
| Noncurrent loans to loans | 0.0856% | 5,133 |
| Net loans and leases to total assets | 47.5612% | 5,002 |
| Net loans and leases to deposits | 55.8148% | 5,001 |
| Net loans and leases to core deposits | 61.0919% | 4,868 |
| Total domestic deposits to total assets | 85.2126% | 3,036 |
| Equity capital to assets | 14.3651% | 865 |
| Core capital (leverage) ratio | 14.5354% | 695 |
| Tier 1 risk-based capital ratio | 28.2903% | 589 |
| Total risk-based capital ratio | 29.5531% | 573 |
| Memoranda: | ||
| Average total assets | $57,462,000 | 5,350 |
| Average earning assets | $46,150,000 | 5,488 |
| Average equity | $8,208,000 | 5,017 |
| Average total loans | $27,743,500 | 5,423 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 1,278 |
| Cost of funding earning assets | 0.4779% | 2,371 |
| Net interest margin | 4.1451% | 1,292 |
| Noninterest income to average assets | 0.6602% | 2,403 |
| Noninterest expense to average assets | 2.9567% | 2,682 |
| Loan and lease loss provision to assets | 0.1136% | 2,109 |
| Net operating income to assets | 1.0116% | 2,298 |
| Return on assets (ROA) | 1.0116% | 2,390 |
| Pretax return on assets | 0.9921% | 3,505 |
| Return on Equity (ROE) | 7.0417% | 3,492 |
| Retained earnings to average equity (ytd only) | 3.7062% | 3,415 |
| Net charge-offs to loans | 0.2388% | 1,248 |
| Credit loss provision to net charge-offs | 98.4615% | 2,583 |
| Earnings coverage of net charge-offs (x) | 9.5846% | 2,805 |
| Efficiency ratio | 72.7829% | 2,775 |
| Assets per employee ($millions) | 4.4135% | 3,186 |
| Cash dividends to net income (ytd only)* | 47.3684% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 492 |
| Loan loss allowance to noncurrent loans | 6,420.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 5,628 |
| Noncurrent loans to loans | 0.0364% | 5,375 |
| Net loans and leases to total assets | 46.7468% | 5,113 |
| Net loans and leases to deposits | 54.6286% | 5,125 |
| Net loans and leases to core deposits | 59.7842% | 4,996 |
| Total domestic deposits to total assets | 85.5721% | 2,832 |
| Equity capital to assets | 14.2031% | 867 |
| Core capital (leverage) ratio | 14.3053% | 756 |
| Tier 1 risk-based capital ratio | 28.2295% | 588 |
| Total risk-based capital ratio | 29.4904% | 580 |
| Memoranda: | ||
| Average total assets | $56,346,000 | 5,398 |
| Average earning assets | $46,247,600 | 5,518 |
| Average equity | $8,094,600 | 5,043 |
| Average total loans | $27,216,800 | 5,469 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,268 |
| Cost of funding earning assets | 0.4723% | 2,474 |
| Net interest margin | 4.1560% | 1,263 |
| Noninterest income to average assets | 0.6846% | 2,305 |
| Noninterest expense to average assets | 2.9072% | 2,825 |
| Loan and lease loss provision to assets | 0.0571% | 3,047 |
| Net operating income to assets | 1.1767% | 1,726 |
| Return on assets (ROA) | 1.1767% | 1,800 |
| Pretax return on assets | 1.1505% | 3,015 |
| Return on Equity (ROE) | 8.1671% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.1671% | 1,185 |
| Net charge-offs to loans | 0.1375% | 1,755 |
| Credit loss provision to net charge-offs | 85.7143% | 2,527 |
| Earnings coverage of net charge-offs (x) | 18.1441% | 2,015 |
| Efficiency ratio | 70.6528% | 3,104 |
| Assets per employee ($millions) | 4.3712% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3530% | 539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.6653% | 5,177 |
| Net loans and leases to deposits | 55.2171% | 5,176 |
| Net loans and leases to core deposits | 59.8560% | 5,076 |
| Total domestic deposits to total assets | 84.5124% | 3,218 |
| Equity capital to assets | 14.6834% | 813 |
| Core capital (leverage) ratio | 14.8240% | 670 |
| Tier 1 risk-based capital ratio | 29.4010% | 552 |
| Total risk-based capital ratio | 30.6624% | 542 |
| Memoranda: | ||
| Average total assets | $56,088,750 | 5,473 |
| Average earning assets | $46,293,000 | 5,590 |
| Average equity | $8,081,000 | 5,110 |
| Average total loans | $27,155,250 | 5,538 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 1,328 |
| Cost of funding earning assets | 0.4690% | 2,529 |
| Net interest margin | 4.1088% | 1,331 |
| Noninterest income to average assets | 0.6554% | 2,451 |
| Noninterest expense to average assets | 2.9690% | 2,652 |
| Loan and lease loss provision to assets | 0.0716% | 2,678 |
| Net operating income to assets | 1.0744% | 2,036 |
| Return on assets (ROA) | 1.0744% | 2,141 |
| Pretax return on assets | 1.0350% | 3,438 |
| Return on Equity (ROE) | 7.5063% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.5063% | 1,474 |
| Net charge-offs to loans | 0.1620% | 1,503 |
| Credit loss provision to net charge-offs | 90.9091% | 2,189 |
| Earnings coverage of net charge-offs (x) | 14.0455% | 2,088 |
| Efficiency ratio | 72.8471% | 2,869 |
| Assets per employee ($millions) | 4.3192% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3513% | 592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 47.4114% | 5,154 |
| Net loans and leases to deposits | 55.8608% | 5,126 |
| Net loans and leases to core deposits | 60.5945% | 5,034 |
| Total domestic deposits to total assets | 84.8742% | 3,182 |
| Equity capital to assets | 14.5132% | 811 |
| Core capital (leverage) ratio | 14.5170% | 712 |
| Tier 1 risk-based capital ratio | 28.9228% | 596 |
| Total risk-based capital ratio | 30.1863% | 589 |
| Memoranda: | ||
| Average total assets | $55,843,000 | 5,538 |
| Average earning assets | $46,486,000 | 5,647 |
| Average equity | $7,993,330 | 5,166 |
| Average total loans | $27,154,670 | 5,588 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 1,339 |
| Cost of funding earning assets | 0.4737% | 2,516 |
| Net interest margin | 4.0737% | 1,347 |
| Noninterest income to average assets | 0.6608% | 2,357 |
| Noninterest expense to average assets | 3.0670% | 2,374 |
| Loan and lease loss provision to assets | 0.0359% | 3,181 |
| Net operating income to assets | 0.9553% | 2,476 |
| Return on assets (ROA) | 0.9553% | 2,613 |
| Pretax return on assets | 0.9553% | 3,668 |
| Return on Equity (ROE) | 6.7210% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.7210% | 2,138 |
| Net charge-offs to loans | -0.0738% | 5,714 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5752% | 2,571 |
| Assets per employee ($millions) | 4.3059% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4213% | 594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.0122% | 5,118 |
| Net loans and leases to deposits | 55.0947% | 5,117 |
| Net loans and leases to core deposits | 58.9331% | 5,068 |
| Total domestic deposits to total assets | 85.3297% | 3,254 |
| Equity capital to assets | 14.2594% | 902 |
| Core capital (leverage) ratio | 14.3142% | 735 |
| Tier 1 risk-based capital ratio | 31.3364% | 483 |
| Total risk-based capital ratio | 32.6044% | 477 |
| Memoranda: | ||
| Average total assets | $55,690,000 | 5,598 |
| Average earning assets | $46,444,500 | 5,697 |
| Average equity | $7,915,500 | 5,232 |
| Average total loans | $27,101,000 | 5,635 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,366 |
| Cost of funding earning assets | 0.4783% | 2,898 |
| Net interest margin | 4.1950% | 1,313 |
| Noninterest income to average assets | 0.6437% | 2,596 |
| Noninterest expense to average assets | 3.1186% | 2,461 |
| Loan and lease loss provision to assets | 0.1184% | 2,200 |
| Net operating income to assets | 0.9822% | 2,471 |
| Return on assets (ROA) | 0.9822% | 2,548 |
| Pretax return on assets | 1.0247% | 3,406 |
| Return on Equity (ROE) | 6.8087% | 3,744 |
| Retained earnings to average equity (ytd only) | 3.5775% | 3,676 |
| Net charge-offs to loans | 0.1050% | 3,006 |
| Credit loss provision to net charge-offs | 228.5714% | 1,098 |
| Earnings coverage of net charge-offs (x) | 22.0714% | 1,639 |
| Efficiency ratio | 73.1771% | 2,988 |
| Assets per employee ($millions) | 4.2618% | 3,430 |
| Cash dividends to net income (ytd only)* | 47.4576% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3611% | 662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.9938% | 5,158 |
| Net loans and leases to deposits | 56.0568% | 5,183 |
| Net loans and leases to core deposits | 59.9914% | 5,143 |
| Total domestic deposits to total assets | 85.6163% | 3,023 |
| Equity capital to assets | 14.1671% | 909 |
| Core capital (leverage) ratio | 14.1487% | 779 |
| Tier 1 risk-based capital ratio | 27.9383% | 618 |
| Total risk-based capital ratio | 29.2020% | 605 |
| Memoranda: | ||
| Average total assets | $54,063,000 | 5,696 |
| Average earning assets | $46,626,600 | 5,760 |
| Average equity | $7,798,800 | 5,246 |
| Average total loans | $26,663,200 | 5,716 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 1,356 |
| Cost of funding earning assets | 0.4757% | 2,996 |
| Net interest margin | 4.2039% | 1,279 |
| Noninterest income to average assets | 0.6576% | 2,533 |
| Noninterest expense to average assets | 3.0920% | 2,494 |
| Loan and lease loss provision to assets | 0.0620% | 3,116 |
| Net operating income to assets | 1.1018% | 2,022 |
| Return on assets (ROA) | 1.1018% | 2,088 |
| Pretax return on assets | 1.1440% | 3,016 |
| Return on Equity (ROE) | 7.6030% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.6030% | 1,533 |
| Net charge-offs to loans | 0.0804% | 3,053 |
| Credit loss provision to net charge-offs | 156.2500% | 1,531 |
| Earnings coverage of net charge-offs (x) | 30.3788% | 1,358 |
| Efficiency ratio | 71.9400% | 3,191 |
| Assets per employee ($millions) | 3.9002% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2824% | 842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.2208% | 5,186 |
| Net loans and leases to deposits | 57.0506% | 5,170 |
| Net loans and leases to core deposits | 61.1600% | 5,104 |
| Total domestic deposits to total assets | 84.5228% | 3,539 |
| Equity capital to assets | 14.6768% | 814 |
| Core capital (leverage) ratio | 14.7286% | 668 |
| Tier 1 risk-based capital ratio | 28.8907% | 586 |
| Total risk-based capital ratio | 30.1525% | 575 |
| Memoranda: | ||
| Average total assets | $53,728,000 | 5,761 |
| Average earning assets | $46,527,500 | 5,827 |
| Average equity | $7,786,250 | 5,294 |
| Average total loans | $26,520,750 | 5,782 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 1,410 |
| Cost of funding earning assets | 0.4788% | 3,036 |
| Net interest margin | 4.1670% | 1,325 |
| Noninterest income to average assets | 0.6550% | 2,512 |
| Noninterest expense to average assets | 3.0616% | 2,624 |
| Loan and lease loss provision to assets | 0.0561% | 3,172 |
| Net operating income to assets | 1.1116% | 1,891 |
| Return on assets (ROA) | 1.1116% | 1,962 |
| Pretax return on assets | 1.1528% | 2,866 |
| Return on Equity (ROE) | 7.7040% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.7040% | 1,433 |
| Net charge-offs to loans | 0.0379% | 3,464 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 64.6000% | 769 |
| Efficiency ratio | 71.6915% | 3,397 |
| Assets per employee ($millions) | 3.8537% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.8916% | 5,094 |
| Net loans and leases to deposits | 57.6455% | 5,073 |
| Net loans and leases to core deposits | 61.8360% | 4,983 |
| Total domestic deposits to total assets | 84.8143% | 3,596 |
| Equity capital to assets | 14.5815% | 799 |
| Core capital (leverage) ratio | 14.5335% | 692 |
| Tier 1 risk-based capital ratio | 28.4151% | 618 |
| Total risk-based capital ratio | 29.6756% | 604 |
| Memoranda: | ||
| Average total assets | $53,436,330 | 5,821 |
| Average earning assets | $46,364,000 | 5,881 |
| Average equity | $7,710,330 | 5,338 |
| Average total loans | $26,379,330 | 5,826 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,469 |
| Cost of funding earning assets | 0.4797% | 3,111 |
| Net interest margin | 4.1342% | 1,378 |
| Noninterest income to average assets | 0.6845% | 2,261 |
| Noninterest expense to average assets | 3.2419% | 2,098 |
| Loan and lease loss provision to assets | 0.0376% | 3,308 |
| Net operating income to assets | 0.9327% | 2,492 |
| Return on assets (ROA) | 0.9327% | 2,563 |
| Pretax return on assets | 0.9703% | 3,440 |
| Return on Equity (ROE) | 6.4990% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.4990% | 2,280 |
| Net charge-offs to loans | 0.2762% | 1,243 |
| Credit loss provision to net charge-offs | 27.7778% | 2,413 |
| Earnings coverage of net charge-offs (x) | 7.4444% | 2,119 |
| Efficiency ratio | 76.2832% | 2,752 |
| Assets per employee ($millions) | 3.8635% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2678% | 1,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.3276% | 5,202 |
| Net loans and leases to deposits | 55.4355% | 5,159 |
| Net loans and leases to core deposits | 59.4261% | 5,093 |
| Total domestic deposits to total assets | 85.3741% | 3,685 |
| Equity capital to assets | 14.2247% | 854 |
| Core capital (leverage) ratio | 14.5698% | 684 |
| Tier 1 risk-based capital ratio | 28.3222% | 621 |
| Total risk-based capital ratio | 29.5848% | 605 |
| Memoranda: | ||
| Average total assets | $53,178,500 | 5,880 |
| Average earning assets | $45,861,000 | 5,943 |
| Average equity | $7,632,000 | 5,385 |
| Average total loans | $26,071,500 | 5,893 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 1,572 |
| Cost of funding earning assets | 0.5187% | 3,407 |
| Net interest margin | 4.1806% | 1,420 |
| Noninterest income to average assets | 0.7268% | 2,398 |
| Noninterest expense to average assets | 3.0736% | 2,825 |
| Loan and lease loss provision to assets | 0.0696% | 3,734 |
| Net operating income to assets | 1.1908% | 1,608 |
| Return on assets (ROA) | 1.1908% | 1,676 |
| Pretax return on assets | 1.2294% | 2,460 |
| Return on Equity (ROE) | 8.2081% | 2,921 |
| Retained earnings to average equity (ytd only) | 4.2506% | 3,155 |
| Net charge-offs to loans | 0.0355% | 4,735 |
| Credit loss provision to net charge-offs | 400.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 74.6667% | 577 |
| Efficiency ratio | 70.2918% | 3,794 |
| Assets per employee ($millions) | 4.0206% | 3,827 |
| Cash dividends to net income (ytd only)* | 48.2143% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3391% | 996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 48.4866% | 5,239 |
| Net loans and leases to deposits | 56.8407% | 5,226 |
| Net loans and leases to core deposits | 61.0896% | 5,139 |
| Total domestic deposits to total assets | 85.3027% | 3,596 |
| Equity capital to assets | 14.4830% | 787 |
| Core capital (leverage) ratio | 14.5133% | 687 |
| Tier 1 risk-based capital ratio | 28.4287% | 586 |
| Total risk-based capital ratio | 29.6906% | 573 |
| Memoranda: | ||
| Average total assets | $51,731,200 | 5,971 |
| Average earning assets | $45,113,200 | 6,018 |
| Average equity | $7,504,800 | 5,460 |
| Average total loans | $25,377,800 | 5,963 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,628 |
| Cost of funding earning assets | 0.5269% | 3,498 |
| Net interest margin | 4.1620% | 1,448 |
| Noninterest income to average assets | 0.7210% | 2,504 |
| Noninterest expense to average assets | 2.9820% | 3,050 |
| Loan and lease loss provision to assets | 0.0129% | 4,741 |
| Net operating income to assets | 1.3205% | 1,294 |
| Return on assets (ROA) | 1.3205% | 1,351 |
| Pretax return on assets | 1.3592% | 2,077 |
| Return on Equity (ROE) | 9.0982% | 2,590 |
| Retained earnings to average equity (ytd only) | 9.0982% | 1,030 |
| Net charge-offs to loans | -0.0793% | 6,442 |
| Credit loss provision to net charge-offs | -33.3333% | 5,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4866% | 3,999 |
| Assets per employee ($millions) | 3.9902% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3223% | 1,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.6496% | 5,285 |
| Net loans and leases to deposits | 57.7456% | 5,215 |
| Net loans and leases to core deposits | 61.5437% | 5,166 |
| Total domestic deposits to total assets | 84.2481% | 4,085 |
| Equity capital to assets | 14.9615% | 719 |
| Core capital (leverage) ratio | 15.0270% | 639 |
| Tier 1 risk-based capital ratio | 29.1482% | 561 |
| Total risk-based capital ratio | 30.4101% | 550 |
| Memoranda: | ||
| Average total assets | $51,597,000 | 6,047 |
| Average earning assets | $45,041,000 | 6,093 |
| Average equity | $7,488,500 | 5,521 |
| Average total loans | $25,234,750 | 6,024 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 1,760 |
| Cost of funding earning assets | 0.5349% | 3,551 |
| Net interest margin | 4.0917% | 1,566 |
| Noninterest income to average assets | 0.6679% | 2,808 |
| Noninterest expense to average assets | 3.0521% | 2,828 |
| Loan and lease loss provision to assets | 0.0194% | 4,509 |
| Net operating income to assets | 1.1222% | 1,853 |
| Return on assets (ROA) | 1.1222% | 1,971 |
| Pretax return on assets | 1.1611% | 2,834 |
| Return on Equity (ROE) | 7.8133% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.8133% | 1,559 |
| Net charge-offs to loans | -0.1358% | 6,573 |
| Credit loss provision to net charge-offs | -29.4118% | 5,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1101% | 3,449 |
| Assets per employee ($millions) | 3.9752% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3988% | 1,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 47.3973% | 5,384 |
| Net loans and leases to deposits | 55.8866% | 5,357 |
| Net loans and leases to core deposits | 59.5512% | 5,300 |
| Total domestic deposits to total assets | 84.8098% | 3,989 |
| Equity capital to assets | 14.5903% | 797 |
| Core capital (leverage) ratio | 14.5591% | 684 |
| Tier 1 risk-based capital ratio | 28.8601% | 580 |
| Total risk-based capital ratio | 30.1232% | 567 |
| Memoranda: | ||
| Average total assets | $51,505,000 | 6,085 |
| Average earning assets | $44,871,330 | 6,141 |
| Average equity | $7,397,670 | 5,586 |
| Average total loans | $25,034,330 | 6,065 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 1,605 |
| Cost of funding earning assets | 0.5586% | 3,489 |
| Net interest margin | 4.1175% | 1,410 |
| Noninterest income to average assets | 0.7702% | 2,255 |
| Noninterest expense to average assets | 3.0728% | 2,761 |
| Loan and lease loss provision to assets | 0.0389% | 3,942 |
| Net operating income to assets | 1.1747% | 1,596 |
| Return on assets (ROA) | 1.1747% | 1,709 |
| Pretax return on assets | 1.2136% | 2,526 |
| Return on Equity (ROE) | 8.2440% | 2,851 |
| Retained earnings to average equity (ytd only) | 8.2440% | 1,663 |
| Net charge-offs to loans | -0.1120% | 6,489 |
| Credit loss provision to net charge-offs | -71.4286% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0432% | 3,782 |
| Assets per employee ($millions) | 3.9880% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3770% | 1,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.8965% | 5,340 |
| Net loans and leases to deposits | 54.9645% | 5,350 |
| Net loans and leases to core deposits | 58.5319% | 5,290 |
| Total domestic deposits to total assets | 85.3213% | 3,885 |
| Equity capital to assets | 14.2774% | 946 |
| Core capital (leverage) ratio | 14.4269% | 688 |
| Tier 1 risk-based capital ratio | 28.3352% | 622 |
| Total risk-based capital ratio | 29.5984% | 612 |
| Memoranda: | ||
| Average total assets | $51,418,500 | 6,143 |
| Average earning assets | $44,395,500 | 6,206 |
| Average equity | $7,326,500 | 5,656 |
| Average total loans | $25,003,500 | 6,121 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 861 |
| Cost of funding earning assets | 0.7365% | 3,200 |
| Net interest margin | 4.5979% | 789 |
| Noninterest income to average assets | 0.6851% | 2,802 |
| Noninterest expense to average assets | 3.1052% | 2,904 |
| Loan and lease loss provision to assets | 0.0761% | 4,770 |
| Net operating income to assets | 1.1118% | 1,904 |
| Return on assets (ROA) | 1.1118% | 2,075 |
| Pretax return on assets | 1.1559% | 2,965 |
| Return on Equity (ROE) | 7.6917% | 3,237 |
| Retained earnings to average equity (ytd only) | 3.9498% | 3,423 |
| Net charge-offs to loans | 0.1510% | 4,180 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 16.1842% | 1,596 |
| Efficiency ratio | 71.5935% | 3,500 |
| Assets per employee ($millions) | 3.9225% | 4,098 |
| Cash dividends to net income (ytd only)* | 48.6486% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3106% | 1,350 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 5,870 |
| Noncurrent loans to loans | 0.1593% | 6,081 |
| Net loans and leases to total assets | 48.0890% | 5,405 |
| Net loans and leases to deposits | 56.1993% | 5,426 |
| Net loans and leases to core deposits | 59.9003% | 5,368 |
| Total domestic deposits to total assets | 85.5686% | 3,581 |
| Equity capital to assets | 14.2196% | 966 |
| Core capital (leverage) ratio | 14.1798% | 751 |
| Tier 1 risk-based capital ratio | 27.5546% | 656 |
| Total risk-based capital ratio | 28.8163% | 640 |
| Memoranda: | ||
| Average total assets | $49,917,000 | 6,214 |
| Average earning assets | $39,648,600 | 6,373 |
| Average equity | $7,215,600 | 5,701 |
| Average total loans | $25,172,000 | 6,186 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 724 |
| Cost of funding earning assets | 0.7695% | 3,194 |
| Net interest margin | 4.7034% | 670 |
| Noninterest income to average assets | 0.6982% | 2,721 |
| Noninterest expense to average assets | 2.9514% | 3,402 |
| Loan and lease loss provision to assets | 0.0268% | 5,446 |
| Net operating income to assets | 1.3428% | 1,342 |
| Return on assets (ROA) | 1.3428% | 1,488 |
| Pretax return on assets | 1.3804% | 2,301 |
| Return on Equity (ROE) | 9.2504% | 2,697 |
| Retained earnings to average equity (ytd only) | 9.2504% | 1,139 |
| Net charge-offs to loans | 0.1429% | 3,970 |
| Credit loss provision to net charge-offs | 37.0370% | 4,680 |
| Earnings coverage of net charge-offs (x) | 19.4069% | 1,499 |
| Efficiency ratio | 67.7141% | 4,126 |
| Assets per employee ($millions) | 3.9062% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1989% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 5,882 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 49.3127% | 5,399 |
| Net loans and leases to deposits | 58.3502% | 5,395 |
| Net loans and leases to core deposits | 61.3404% | 5,421 |
| Total domestic deposits to total assets | 84.5116% | 3,974 |
| Equity capital to assets | 14.7026% | 906 |
| Core capital (leverage) ratio | 14.8106% | 643 |
| Tier 1 risk-based capital ratio | 27.7412% | 682 |
| Total risk-based capital ratio | 29.0009% | 666 |
| Memoranda: | ||
| Average total assets | $49,648,000 | 6,293 |
| Average earning assets | $38,637,500 | 6,484 |
| Average equity | $7,206,750 | 5,769 |
| Average total loans | $25,189,500 | 6,266 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5205% | 689 |
| Cost of funding earning assets | 0.8095% | 3,116 |
| Net interest margin | 4.7110% | 661 |
| Noninterest income to average assets | 0.6982% | 2,682 |
| Noninterest expense to average assets | 3.0079% | 3,232 |
| Loan and lease loss provision to assets | 0.0406% | 5,163 |
| Net operating income to assets | 1.2746% | 1,504 |
| Return on assets (ROA) | 1.2746% | 1,671 |
| Pretax return on assets | 1.3111% | 2,519 |
| Return on Equity (ROE) | 8.8198% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.8198% | 1,334 |
| Net charge-offs to loans | 0.2156% | 3,284 |
| Credit loss provision to net charge-offs | 37.0370% | 4,321 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,886 |
| Efficiency ratio | 68.9944% | 3,940 |
| Assets per employee ($millions) | 3.8381% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 1,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 5,931 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 48.9047% | 5,502 |
| Net loans and leases to deposits | 57.6665% | 5,486 |
| Net loans and leases to core deposits | 60.6658% | 5,524 |
| Total domestic deposits to total assets | 84.8061% | 3,946 |
| Equity capital to assets | 14.5886% | 893 |
| Core capital (leverage) ratio | 14.6518% | 662 |
| Tier 1 risk-based capital ratio | 27.5657% | 681 |
| Total risk-based capital ratio | 28.8268% | 668 |
| Memoranda: | ||
| Average total assets | $49,270,670 | 6,342 |
| Average earning assets | $38,293,330 | 6,540 |
| Average equity | $7,120,330 | 5,811 |
| Average total loans | $25,051,330 | 6,318 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5844% | 644 |
| Cost of funding earning assets | 0.8487% | 3,078 |
| Net interest margin | 4.7358% | 646 |
| Noninterest income to average assets | 0.7271% | 2,516 |
| Noninterest expense to average assets | 3.1128% | 2,878 |
| Loan and lease loss provision to assets | 0.0409% | 4,878 |
| Net operating income to assets | 1.2255% | 1,667 |
| Return on assets (ROA) | 1.2255% | 1,849 |
| Pretax return on assets | 1.2664% | 2,666 |
| Return on Equity (ROE) | 8.5215% | 3,046 |
| Retained earnings to average equity (ytd only) | 8.5215% | 1,771 |
| Net charge-offs to loans | 0.0797% | 3,701 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 877 |
| Efficiency ratio | 70.4251% | 3,737 |
| Assets per employee ($millions) | 3.7975% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3302% | 1,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 49.2444% | 5,396 |
| Net loans and leases to deposits | 57.8118% | 5,396 |
| Net loans and leases to core deposits | 60.8383% | 5,452 |
| Total domestic deposits to total assets | 85.1807% | 3,948 |
| Equity capital to assets | 14.4142% | 883 |
| Core capital (leverage) ratio | 14.6098% | 670 |
| Tier 1 risk-based capital ratio | 27.2727% | 706 |
| Total risk-based capital ratio | 28.5337% | 689 |
| Memoranda: | ||
| Average total assets | $48,958,500 | 6,397 |
| Average earning assets | $38,177,500 | 6,596 |
| Average equity | $7,041,000 | 5,859 |
| Average total loans | $25,095,000 | 6,365 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6038% | 947 |
| Cost of funding earning assets | 1.0637% | 2,925 |
| Net interest margin | 4.5402% | 1,044 |
| Noninterest income to average assets | 0.7239% | 2,478 |
| Noninterest expense to average assets | 3.1710% | 2,964 |
| Loan and lease loss provision to assets | 0.0306% | 6,187 |
| Net operating income to assets | 1.0156% | 2,147 |
| Return on assets (ROA) | 1.0156% | 2,288 |
| Pretax return on assets | 1.0563% | 3,015 |
| Return on Equity (ROE) | 7.1953% | 3,308 |
| Retained earnings to average equity (ytd only) | 3.6843% | 3,589 |
| Net charge-offs to loans | 0.0598% | 5,705 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 35.5333% | 738 |
| Efficiency ratio | 74.4732% | 3,149 |
| Assets per employee ($millions) | 3.7345% | 4,475 |
| Cash dividends to net income (ytd only)* | 48.7952% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2926% | 1,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 6,830 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 50.9156% | 5,475 |
| Net loans and leases to deposits | 59.5940% | 5,536 |
| Net loans and leases to core deposits | 62.7593% | 5,568 |
| Total domestic deposits to total assets | 85.4374% | 3,627 |
| Equity capital to assets | 14.3484% | 949 |
| Core capital (leverage) ratio | 14.1149% | 796 |
| Tier 1 risk-based capital ratio | 26.5442% | 736 |
| Total risk-based capital ratio | 27.8055% | 721 |
| Memoranda: | ||
| Average total assets | $49,037,400 | 6,388 |
| Average earning assets | $38,170,400 | 6,598 |
| Average equity | $6,921,200 | 5,885 |
| Average total loans | $25,084,600 | 6,417 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6216% | 990 |
| Cost of funding earning assets | 1.1089% | 2,918 |
| Net interest margin | 4.5127% | 1,112 |
| Noninterest income to average assets | 0.7404% | 2,366 |
| Noninterest expense to average assets | 3.0566% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1445% | 1,829 |
| Return on assets (ROA) | 1.1445% | 1,946 |
| Pretax return on assets | 1.1825% | 2,687 |
| Return on Equity (ROE) | 8.1425% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.1425% | 1,453 |
| Net charge-offs to loans | -0.0053% | 6,721 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1049% | 3,535 |
| Assets per employee ($millions) | 3.8223% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3051% | 1,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 6,885 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 49.5552% | 5,765 |
| Net loans and leases to deposits | 58.4019% | 5,807 |
| Net loans and leases to core deposits | 61.4509% | 5,860 |
| Total domestic deposits to total assets | 84.8521% | 3,847 |
| Equity capital to assets | 14.3570% | 1,037 |
| Core capital (leverage) ratio | 14.2426% | 833 |
| Tier 1 risk-based capital ratio | 26.8448% | 745 |
| Total risk-based capital ratio | 28.1054% | 736 |
| Memoranda: | ||
| Average total assets | $49,159,500 | 6,449 |
| Average earning assets | $38,113,750 | 6,658 |
| Average equity | $6,910,000 | 5,929 |
| Average total loans | $25,031,000 | 6,479 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 1,007 |
| Cost of funding earning assets | 1.1353% | 2,998 |
| Net interest margin | 4.4989% | 1,134 |
| Noninterest income to average assets | 0.7023% | 2,541 |
| Noninterest expense to average assets | 3.1195% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0085% | 2,189 |
| Return on assets (ROA) | 1.0085% | 2,288 |
| Pretax return on assets | 1.0453% | 3,058 |
| Return on Equity (ROE) | 7.2272% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.2272% | 1,775 |
| Net charge-offs to loans | -0.0400% | 6,994 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9020% | 3,202 |
| Assets per employee ($millions) | 4.1658% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3590% | 1,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 6,240 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 48.4387% | 6,005 |
| Net loans and leases to deposits | 56.6529% | 6,078 |
| Net loans and leases to core deposits | 59.5685% | 6,129 |
| Total domestic deposits to total assets | 85.5008% | 3,623 |
| Equity capital to assets | 13.9191% | 1,123 |
| Core capital (leverage) ratio | 14.0427% | 859 |
| Tier 1 risk-based capital ratio | 26.3331% | 785 |
| Total risk-based capital ratio | 27.5934% | 766 |
| Memoranda: | ||
| Average total assets | $48,982,670 | 6,510 |
| Average earning assets | $37,698,000 | 6,730 |
| Average equity | $6,835,330 | 5,970 |
| Average total loans | $24,973,000 | 6,538 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6911% | 895 |
| Cost of funding earning assets | 1.1425% | 3,210 |
| Net interest margin | 4.5486% | 962 |
| Noninterest income to average assets | 0.7756% | 2,130 |
| Noninterest expense to average assets | 3.1766% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0396% | 2,036 |
| Return on assets (ROA) | 1.0396% | 2,091 |
| Pretax return on assets | 1.0809% | 2,829 |
| Return on Equity (ROE) | 7.4402% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.4402% | 1,967 |
| Net charge-offs to loans | -0.0958% | 7,074 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6124% | 3,404 |
| Assets per employee ($millions) | 3.7385% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3505% | 1,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 6,291 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 50.0926% | 5,838 |
| Net loans and leases to deposits | 58.5470% | 5,873 |
| Net loans and leases to core deposits | 61.6485% | 5,956 |
| Total domestic deposits to total assets | 85.5597% | 3,749 |
| Equity capital to assets | 14.0679% | 992 |
| Core capital (leverage) ratio | 14.2062% | 804 |
| Tier 1 risk-based capital ratio | 26.0487% | 783 |
| Total risk-based capital ratio | 27.3098% | 764 |
| Memoranda: | ||
| Average total assets | $48,479,500 | 6,574 |
| Average earning assets | $37,110,500 | 6,800 |
| Average equity | $6,774,000 | 5,993 |
| Average total loans | $25,060,000 | 6,584 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0081% | 835 |
| Cost of funding earning assets | 1.3770% | 3,408 |
| Net interest margin | 4.6311% | 945 |
| Noninterest income to average assets | 0.7169% | 2,740 |
| Noninterest expense to average assets | 2.9804% | 3,927 |
| Loan and lease loss provision to assets | 0.1915% | 5,314 |
| Net operating income to assets | 1.0275% | 1,945 |
| Return on assets (ROA) | 1.0275% | 2,052 |
| Pretax return on assets | 1.0722% | 2,695 |
| Return on Equity (ROE) | 7.2551% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.6050% | 3,334 |
| Net charge-offs to loans | 0.1527% | 5,434 |
| Credit loss provision to net charge-offs | 236.8421% | 1,232 |
| Earnings coverage of net charge-offs (x) | 15.6316% | 1,269 |
| Efficiency ratio | 70.2256% | 4,135 |
| Assets per employee ($millions) | 3.7199% | 4,416 |
| Cash dividends to net income (ytd only)* | 50.3106% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3026% | 1,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 50.8881% | 6,055 |
| Net loans and leases to deposits | 59.2289% | 6,133 |
| Net loans and leases to core deposits | 62.3692% | 6,208 |
| Total domestic deposits to total assets | 85.9178% | 3,405 |
| Equity capital to assets | 13.8775% | 1,077 |
| Core capital (leverage) ratio | 13.9519% | 855 |
| Tier 1 risk-based capital ratio | 25.7294% | 780 |
| Total risk-based capital ratio | 26.9908% | 754 |
| Memoranda: | ||
| Average total assets | $47,007,000 | 6,635 |
| Average earning assets | $35,801,400 | 6,883 |
| Average equity | $6,657,400 | 6,147 |
| Average total loans | $24,891,600 | 6,680 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0228% | 892 |
| Cost of funding earning assets | 1.4277% | 3,406 |
| Net interest margin | 4.5951% | 1,056 |
| Noninterest income to average assets | 0.7457% | 2,542 |
| Noninterest expense to average assets | 3.0483% | 3,581 |
| Loan and lease loss provision to assets | 0.1286% | 5,741 |
| Net operating income to assets | 1.0256% | 2,150 |
| Return on assets (ROA) | 1.0256% | 2,259 |
| Pretax return on assets | 1.0628% | 2,958 |
| Return on Equity (ROE) | 7.2042% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.2042% | 1,750 |
| Net charge-offs to loans | 0.0698% | 5,813 |
| Credit loss provision to net charge-offs | 346.1538% | 915 |
| Earnings coverage of net charge-offs (x) | 32.0825% | 839 |
| Efficiency ratio | 71.9003% | 3,719 |
| Assets per employee ($millions) | 3.6518% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 1,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 52.8142% | 6,001 |
| Net loans and leases to deposits | 62.3241% | 6,088 |
| Net loans and leases to core deposits | 65.7428% | 6,145 |
| Total domestic deposits to total assets | 84.7411% | 3,754 |
| Equity capital to assets | 14.3868% | 1,054 |
| Core capital (leverage) ratio | 14.4703% | 820 |
| Tier 1 risk-based capital ratio | 25.8751% | 783 |
| Total risk-based capital ratio | 27.1367% | 768 |
| Memoranda: | ||
| Average total assets | $46,669,000 | 6,724 |
| Average earning assets | $35,486,500 | 6,975 |
| Average equity | $6,644,000 | 6,223 |
| Average total loans | $24,817,250 | 6,770 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9934% | 964 |
| Cost of funding earning assets | 1.4714% | 3,419 |
| Net interest margin | 4.5220% | 1,164 |
| Noninterest income to average assets | 0.7457% | 2,425 |
| Noninterest expense to average assets | 3.0474% | 3,527 |
| Loan and lease loss provision to assets | 0.0862% | 6,061 |
| Net operating income to assets | 1.0043% | 2,179 |
| Return on assets (ROA) | 1.0043% | 2,259 |
| Pretax return on assets | 1.0431% | 2,963 |
| Return on Equity (ROE) | 7.0799% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.0799% | 1,800 |
| Net charge-offs to loans | 0.0163% | 6,112 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 255 |
| Efficiency ratio | 72.9618% | 3,666 |
| Assets per employee ($millions) | 3.9271% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.8159% | 6,330 |
| Net loans and leases to deposits | 59.7003% | 6,439 |
| Net loans and leases to core deposits | 62.9853% | 6,481 |
| Total domestic deposits to total assets | 85.1183% | 3,565 |
| Equity capital to assets | 14.2281% | 1,094 |
| Core capital (leverage) ratio | 14.4014% | 835 |
| Tier 1 risk-based capital ratio | 26.0641% | 765 |
| Total risk-based capital ratio | 27.3236% | 755 |
| Memoranda: | ||
| Average total assets | $46,400,670 | 6,779 |
| Average earning assets | $35,205,330 | 7,033 |
| Average equity | $6,582,000 | 6,277 |
| Average total loans | $24,545,670 | 6,831 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9127% | 1,178 |
| Cost of funding earning assets | 1.5123% | 3,478 |
| Net interest margin | 4.4004% | 1,391 |
| Noninterest income to average assets | 0.7559% | 2,265 |
| Noninterest expense to average assets | 3.1799% | 2,940 |
| Loan and lease loss provision to assets | 0.0434% | 6,239 |
| Net operating income to assets | 0.8601% | 2,704 |
| Return on assets (ROA) | 0.8601% | 2,796 |
| Pretax return on assets | 0.8949% | 3,492 |
| Return on Equity (ROE) | 6.0732% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.0732% | 2,589 |
| Net charge-offs to loans | -0.0488% | 7,343 |
| Credit loss provision to net charge-offs | -166.6667% | 6,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2152% | 3,031 |
| Assets per employee ($millions) | 3.8343% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1823% | 1,792 |
| Loan loss allowance to noncurrent loans | 17,866.6667% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 7,481 |
| Noncurrent loans to loans | 0.0122% | 7,387 |
| Net loans and leases to total assets | 52.2158% | 6,247 |
| Net loans and leases to deposits | 61.2195% | 6,349 |
| Net loans and leases to core deposits | 64.6668% | 6,405 |
| Total domestic deposits to total assets | 85.2926% | 3,514 |
| Equity capital to assets | 14.2792% | 1,076 |
| Core capital (leverage) ratio | 14.3701% | 882 |
| Tier 1 risk-based capital ratio | 25.7042% | 797 |
| Total risk-based capital ratio | 26.9640% | 781 |
| Memoranda: | ||
| Average total assets | $46,038,500 | 6,873 |
| Average earning assets | $35,178,500 | 7,119 |
| Average equity | $6,520,500 | 6,339 |
| Average total loans | $24,572,000 | 6,909 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0163% | 1,804 |
| Cost of funding earning assets | 1.7911% | 4,038 |
| Net interest margin | 4.2252% | 1,990 |
| Noninterest income to average assets | 0.7464% | 2,704 |
| Noninterest expense to average assets | 3.1012% | 3,738 |
| Loan and lease loss provision to assets | 0.2377% | 5,472 |
| Net operating income to assets | 0.8997% | 2,177 |
| Return on assets (ROA) | 0.8997% | 2,246 |
| Pretax return on assets | 0.9397% | 2,798 |
| Return on Equity (ROE) | 6.2404% | 3,106 |
| Retained earnings to average equity (ytd only) | 2.9122% | 3,131 |
| Net charge-offs to loans | 0.1224% | 5,958 |
| Credit loss provision to net charge-offs | 368.9655% | 868 |
| Earnings coverage of net charge-offs (x) | 18.2759% | 1,138 |
| Efficiency ratio | 72.4818% | 4,187 |
| Assets per employee ($millions) | 3.8388% | 4,182 |
| Cash dividends to net income (ytd only)* | 53.3333% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1478% | 1,737 |
| Loan loss allowance to noncurrent loans | 1,508.5714% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 7,305 |
| Noncurrent loans to loans | 0.1424% | 7,073 |
| Net loans and leases to total assets | 52.2186% | 6,398 |
| Net loans and leases to deposits | 60.8910% | 6,572 |
| Net loans and leases to core deposits | 84.4776% | 5,674 |
| Total domestic deposits to total assets | 85.7574% | 3,133 |
| Equity capital to assets | 14.0472% | 1,155 |
| Core capital (leverage) ratio | 14.1458% | 958 |
| Tier 1 risk-based capital ratio | 25.1829% | 828 |
| Total risk-based capital ratio | 26.4438% | 804 |
| Memoranda: | ||
| Average total assets | $45,014,800 | 6,912 |
| Average earning assets | $37,631,400 | 7,027 |
| Average equity | $6,490,000 | 6,430 |
| Average total loans | $23,685,200 | 6,996 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9597% | 2,198 |
| Cost of funding earning assets | 1.8164% | 4,307 |
| Net interest margin | 4.1433% | 2,236 |
| Noninterest income to average assets | 0.7657% | 2,618 |
| Noninterest expense to average assets | 3.0151% | 3,988 |
| Loan and lease loss provision to assets | 0.0596% | 6,768 |
| Net operating income to assets | 1.1977% | 1,470 |
| Return on assets (ROA) | 1.1977% | 1,531 |
| Pretax return on assets | 1.2454% | 2,125 |
| Return on Equity (ROE) | 8.2527% | 2,535 |
| Retained earnings to average equity (ytd only) | 8.2527% | 1,062 |
| Net charge-offs to loans | 0.0625% | 6,075 |
| Credit loss provision to net charge-offs | 181.8182% | 2,511 |
| Earnings coverage of net charge-offs (x) | 39.8085% | 752 |
| Efficiency ratio | 69.7931% | 4,632 |
| Assets per employee ($millions) | 3.7858% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 2,036 |
| Loan loss allowance to noncurrent loans | 252.7473% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 6,454 |
| Noncurrent loans to loans | 0.7515% | 5,804 |
| Net loans and leases to total assets | 52.2936% | 6,577 |
| Net loans and leases to deposits | 61.9802% | 6,677 |
| Net loans and leases to core deposits | 86.1948% | 5,846 |
| Total domestic deposits to total assets | 84.3716% | 3,542 |
| Equity capital to assets | 14.7105% | 1,092 |
| Core capital (leverage) ratio | 14.8005% | 896 |
| Tier 1 risk-based capital ratio | 26.2233% | 806 |
| Total risk-based capital ratio | 27.4789% | 786 |
| Memoranda: | ||
| Average total assets | $44,752,000 | 6,972 |
| Average earning assets | $38,390,250 | 7,057 |
| Average equity | $6,494,750 | 6,487 |
| Average total loans | $23,460,750 | 7,066 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9231% | 2,485 |
| Cost of funding earning assets | 1.8452% | 4,538 |
| Net interest margin | 4.0779% | 2,400 |
| Noninterest income to average assets | 0.7771% | 2,535 |
| Noninterest expense to average assets | 3.0499% | 3,879 |
| Loan and lease loss provision to assets | 0.0449% | 6,785 |
| Net operating income to assets | 1.2218% | 1,422 |
| Return on assets (ROA) | 1.2218% | 1,497 |
| Pretax return on assets | 1.2757% | 2,094 |
| Return on Equity (ROE) | 8.4577% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.4266% | 1,085 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7842% | 4,827 |
| Assets per employee ($millions) | 3.7411% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.3676% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9250% | 1,729 |
| Loan loss allowance to noncurrent loans | 251.3661% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 6,445 |
| Noncurrent loans to loans | 0.7658% | 5,706 |
| Net loans and leases to total assets | 52.2041% | 6,661 |
| Net loans and leases to deposits | 61.5910% | 6,767 |
| Net loans and leases to core deposits | 84.8854% | 6,020 |
| Total domestic deposits to total assets | 84.7593% | 3,375 |
| Equity capital to assets | 14.5992% | 1,141 |
| Core capital (leverage) ratio | 14.5396% | 1,014 |
| Tier 1 risk-based capital ratio | 26.0731% | 858 |
| Total risk-based capital ratio | 27.3302% | 827 |
| Memoranda: | ||
| Average total assets | $44,526,000 | 7,038 |
| Average earning assets | $39,236,330 | 7,083 |
| Average equity | $6,432,000 | 6,558 |
| Average total loans | $23,208,670 | 7,135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0733% | 2,051 |
| Cost of funding earning assets | 1.8954% | 4,645 |
| Net interest margin | 4.1780% | 1,986 |
| Noninterest income to average assets | 0.8389% | 2,131 |
| Noninterest expense to average assets | 2.8776% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6057% | 780 |
| Return on assets (ROA) | 1.6057% | 853 |
| Pretax return on assets | 1.6598% | 1,268 |
| Return on Equity (ROE) | 11.1756% | 1,919 |
| Retained earnings to average equity (ytd only) | 11.1129% | 946 |
| Net charge-offs to loans | -0.0175% | 7,402 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4195% | 5,792 |
| Assets per employee ($millions) | 3.7089% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.5618% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 1,556 |
| Loan loss allowance to noncurrent loans | 15,033.3333% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,625 |
| Noncurrent loans to loans | 0.0128% | 7,529 |
| Net loans and leases to total assets | 51.4773% | 6,735 |
| Net loans and leases to deposits | 60.5262% | 6,851 |
| Net loans and leases to core deposits | 83.2915% | 6,124 |
| Total domestic deposits to total assets | 85.0495% | 3,173 |
| Equity capital to assets | 14.5146% | 1,231 |
| Core capital (leverage) ratio | 14.5982% | 1,057 |
| Tier 1 risk-based capital ratio | 26.2292% | 871 |
| Total risk-based capital ratio | 27.4879% | 856 |
| Memoranda: | ||
| Average total assets | $44,342,500 | 7,089 |
| Average earning assets | $39,253,500 | 7,116 |
| Average equity | $6,371,000 | 6,633 |
| Average total loans | $22,865,000 | 7,191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1840% | 4,594 |
| Cost of funding earning assets | 2.3967% | 4,728 |
| Net interest margin | 3.7873% | 4,074 |
| Noninterest income to average assets | 0.7776% | 2,629 |
| Noninterest expense to average assets | 2.9068% | 4,428 |
| Loan and lease loss provision to assets | 0.0961% | 6,158 |
| Net operating income to assets | 1.2167% | 1,722 |
| Return on assets (ROA) | 1.2167% | 1,672 |
| Pretax return on assets | 1.2441% | 2,500 |
| Return on Equity (ROE) | 8.5224% | 2,824 |
| Retained earnings to average equity (ytd only) | 4.1971% | 2,509 |
| Net charge-offs to loans | 0.1687% | 4,510 |
| Credit loss provision to net charge-offs | 113.5135% | 4,753 |
| Earnings coverage of net charge-offs (x) | 15.8378% | 1,899 |
| Efficiency ratio | 68.4437% | 4,642 |
| Assets per employee ($millions) | 3.6815% | 4,213 |
| Cash dividends to net income (ytd only)* | 50.7519% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 1,197 |
| Loan loss allowance to noncurrent loans | 11,250.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 7,600 |
| Noncurrent loans to loans | 0.0179% | 7,457 |
| Net loans and leases to total assets | 49.6129% | 7,063 |
| Net loans and leases to deposits | 57.9795% | 7,204 |
| Net loans and leases to core deposits | 80.2857% | 6,598 |
| Total domestic deposits to total assets | 85.5697% | 2,597 |
| Equity capital to assets | 14.2197% | 1,371 |
| Core capital (leverage) ratio | 14.3043% | 1,186 |
| Tier 1 risk-based capital ratio | 26.4072% | 865 |
| Total risk-based capital ratio | 27.6640% | 848 |
| Memoranda: | ||
| Average total assets | $43,725,200 | 7,039 |
| Average earning assets | $40,054,800 | 7,038 |
| Average equity | $6,242,400 | 6,719 |
| Average total loans | $21,930,200 | 7,195 |