Home > Bank of York > Performance and Condition Ratios
Bank of York, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 4,160 |
| Cost of funding earning assets | 0.9310% | 2,079 |
| Net interest margin | 3.1654% | 4,369 |
| Noninterest income to average assets | 0.8403% | 1,306 |
| Noninterest expense to average assets | 3.0751% | 1,768 |
| Loan and lease loss provision to assets | 0.1437% | 1,337 |
| Net operating income to assets | 0.5384% | 4,432 |
| Return on assets (ROA) | 0.6042% | 4,338 |
| Pretax return on assets | 0.6350% | 4,479 |
| Return on Equity (ROE) | 5.8871% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.8871% | 2,424 |
| Net charge-offs to loans | 0.0375% | 2,338 |
| Credit loss provision to net charge-offs | 861.5385% | 410 |
| Earnings coverage of net charge-offs (x) | 42.5453% | 1,315 |
| Efficiency ratio | 81.2542% | 812 |
| Assets per employee ($millions) | 4.2579% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,049 |
| Loan loss allowance to noncurrent loans | 2,585.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,644 |
| Noncurrent loans to loans | 0.0424% | 4,459 |
| Net loans and leases to total assets | 45.6522% | 4,620 |
| Net loans and leases to deposits | 55.4833% | 4,570 |
| Net loans and leases to core deposits | 63.6879% | 4,387 |
| Total domestic deposits to total assets | 82.2810% | 3,392 |
| Equity capital to assets | 11.1371% | 2,979 |
| Core capital (leverage) ratio | 11.4553% | 2,253 |
| Tier 1 risk-based capital ratio | 17.4396% | 1,965 |
| Total risk-based capital ratio | 18.2178% | 2,044 |
| Memoranda: | ||
| Average total assets | $103,929,250 | 3,978 |
| Average earning assets | $96,666,500 | 3,969 |
| Average equity | $10,667,000 | 4,206 |
| Average total loans | $46,192,500 | 4,308 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 4,222 |
| Cost of funding earning assets | 0.9255% | 2,029 |
| Net interest margin | 3.1488% | 4,455 |
| Noninterest income to average assets | 0.9817% | 906 |
| Noninterest expense to average assets | 2.8763% | 2,340 |
| Loan and lease loss provision to assets | 0.1684% | 1,082 |
| Net operating income to assets | 0.8279% | 3,551 |
| Return on assets (ROA) | 0.9224% | 3,261 |
| Pretax return on assets | 0.9664% | 3,662 |
| Return on Equity (ROE) | 9.2435% | 2,760 |
| Retained earnings to average equity (ytd only) | 9.2435% | 973 |
| Net charge-offs to loans | 0.0610% | 1,770 |
| Credit loss provision to net charge-offs | 628.5714% | 504 |
| Earnings coverage of net charge-offs (x) | 38.6429% | 1,270 |
| Efficiency ratio | 73.5323% | 1,694 |
| Assets per employee ($millions) | 4.1452% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,279 |
| Loan loss allowance to noncurrent loans | 2,470.0000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 4,684 |
| Noncurrent loans to loans | 0.0430% | 4,492 |
| Net loans and leases to total assets | 46.2783% | 4,634 |
| Net loans and leases to deposits | 55.9254% | 4,594 |
| Net loans and leases to core deposits | 64.4277% | 4,396 |
| Total domestic deposits to total assets | 82.7502% | 3,288 |
| Equity capital to assets | 11.2811% | 2,794 |
| Core capital (leverage) ratio | 11.1255% | 2,484 |
| Tier 1 risk-based capital ratio | 17.5756% | 1,915 |
| Total risk-based capital ratio | 18.3469% | 2,005 |
| Memoranda: | ||
| Average total assets | $104,509,000 | 3,993 |
| Average earning assets | $97,242,670 | 3,985 |
| Average equity | $10,429,000 | 4,243 |
| Average total loans | $45,867,000 | 4,346 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 4,378 |
| Cost of funding earning assets | 0.8947% | 2,028 |
| Net interest margin | 3.0993% | 4,599 |
| Noninterest income to average assets | 0.5382% | 2,350 |
| Noninterest expense to average assets | 2.7023% | 2,900 |
| Loan and lease loss provision to assets | 0.1682% | 997 |
| Net operating income to assets | 0.5083% | 4,499 |
| Return on assets (ROA) | 0.5083% | 4,519 |
| Pretax return on assets | 0.5419% | 4,604 |
| Return on Equity (ROE) | 5.4226% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.4226% | 2,722 |
| Net charge-offs to loans | 0.0439% | 1,645 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,185 |
| Efficiency ratio | 79.1895% | 1,136 |
| Assets per employee ($millions) | 4.3865% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 3,741 |
| Loan loss allowance to noncurrent loans | 298.0519% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 4,071 |
| Noncurrent loans to loans | 0.3338% | 3,378 |
| Net loans and leases to total assets | 43.3883% | 4,768 |
| Net loans and leases to deposits | 52.3897% | 4,740 |
| Net loans and leases to core deposits | 59.6267% | 4,582 |
| Total domestic deposits to total assets | 82.8183% | 3,453 |
| Equity capital to assets | 9.8532% | 3,966 |
| Core capital (leverage) ratio | 10.3349% | 3,237 |
| Tier 1 risk-based capital ratio | 16.7212% | 2,195 |
| Total risk-based capital ratio | 17.4290% | 2,320 |
| Memoranda: | ||
| Average total assets | $107,021,000 | 3,982 |
| Average earning assets | $99,249,500 | 3,982 |
| Average equity | $10,032,000 | 4,324 |
| Average total loans | $45,533,500 | 4,398 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 4,245 |
| Cost of funding earning assets | 0.6191% | 2,592 |
| Net interest margin | 3.2949% | 4,270 |
| Noninterest income to average assets | 0.8024% | 1,439 |
| Noninterest expense to average assets | 2.8010% | 2,690 |
| Loan and lease loss provision to assets | 0.0634% | 2,892 |
| Net operating income to assets | 0.9608% | 3,176 |
| Return on assets (ROA) | 0.9927% | 3,037 |
| Pretax return on assets | 1.0310% | 3,509 |
| Return on Equity (ROE) | 9.9562% | 2,535 |
| Retained earnings to average equity (ytd only) | 2.3830% | 4,188 |
| Net charge-offs to loans | 0.0345% | 2,712 |
| Credit loss provision to net charge-offs | 450.0000% | 759 |
| Earnings coverage of net charge-offs (x) | 75.2857% | 898 |
| Efficiency ratio | 72.5235% | 1,838 |
| Assets per employee ($millions) | 4.3507% | 3,381 |
| Cash dividends to net income (ytd only)* | 76.0649% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 4,033 |
| Loan loss allowance to noncurrent loans | 219.3717% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 3,927 |
| Noncurrent loans to loans | 0.4251% | 3,014 |
| Net loans and leases to total assets | 40.9242% | 4,911 |
| Net loans and leases to deposits | 55.8950% | 4,670 |
| Net loans and leases to core deposits | 63.5187% | 4,471 |
| Total domestic deposits to total assets | 73.2161% | 4,996 |
| Equity capital to assets | 8.9099% | 4,644 |
| Core capital (leverage) ratio | 10.3984% | 3,142 |
| Tier 1 risk-based capital ratio | 14.2271% | 3,193 |
| Total risk-based capital ratio | 14.7839% | 3,434 |
| Memoranda: | ||
| Average total assets | $99,321,800 | 4,113 |
| Average earning assets | $92,234,800 | 4,100 |
| Average equity | $9,903,400 | 4,316 |
| Average total loans | $40,590,000 | 4,537 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 4,272 |
| Cost of funding earning assets | 0.5622% | 2,771 |
| Net interest margin | 3.3109% | 4,249 |
| Noninterest income to average assets | 0.8883% | 1,229 |
| Noninterest expense to average assets | 2.8629% | 2,423 |
| Loan and lease loss provision to assets | 0.0605% | 2,770 |
| Net operating income to assets | 1.0015% | 3,076 |
| Return on assets (ROA) | 1.0451% | 2,904 |
| Pretax return on assets | 1.0877% | 3,445 |
| Return on Equity (ROE) | 10.1774% | 2,547 |
| Retained earnings to average equity (ytd only) | 10.1774% | 869 |
| Net charge-offs to loans | 0.0169% | 2,830 |
| Credit loss provision to net charge-offs | 880.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 160.3163% | 512 |
| Efficiency ratio | 72.1914% | 1,854 |
| Assets per employee ($millions) | 4.2671% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,177 |
| Loan loss allowance to noncurrent loans | 149.2701% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 3,567 |
| Noncurrent loans to loans | 0.6171% | 2,542 |
| Net loans and leases to total assets | 44.8260% | 4,847 |
| Net loans and leases to deposits | 58.7998% | 4,605 |
| Net loans and leases to core deposits | 65.6167% | 4,423 |
| Total domestic deposits to total assets | 76.2349% | 4,761 |
| Equity capital to assets | 10.1443% | 3,498 |
| Core capital (leverage) ratio | 11.3914% | 2,255 |
| Tier 1 risk-based capital ratio | 16.7332% | 2,192 |
| Total risk-based capital ratio | 17.3427% | 2,354 |
| Memoranda: | ||
| Average total assets | $96,960,500 | 4,194 |
| Average earning assets | $90,125,250 | 4,185 |
| Average equity | $9,956,500 | 4,345 |
| Average total loans | $39,504,750 | 4,615 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 4,196 |
| Cost of funding earning assets | 0.5500% | 2,607 |
| Net interest margin | 3.3070% | 4,228 |
| Noninterest income to average assets | 0.5592% | 2,524 |
| Noninterest expense to average assets | 2.8188% | 2,606 |
| Loan and lease loss provision to assets | 0.0580% | 2,745 |
| Net operating income to assets | 0.7358% | 4,083 |
| Return on assets (ROA) | 0.7953% | 3,875 |
| Pretax return on assets | 0.8057% | 4,229 |
| Return on Equity (ROE) | 7.7134% | 3,619 |
| Retained earnings to average equity (ytd only) | 7.7134% | 1,747 |
| Net charge-offs to loans | 0.0053% | 2,974 |
| Credit loss provision to net charge-offs | 2,800.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 388.0000% | 238 |
| Efficiency ratio | 77.8159% | 1,216 |
| Assets per employee ($millions) | 4.2257% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,981 |
| Loan loss allowance to noncurrent loans | 126.0317% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 3,464 |
| Noncurrent loans to loans | 0.7745% | 2,188 |
| Net loans and leases to total assets | 41.4405% | 5,006 |
| Net loans and leases to deposits | 54.1104% | 4,840 |
| Net loans and leases to core deposits | 60.0051% | 4,707 |
| Total domestic deposits to total assets | 76.5850% | 4,788 |
| Equity capital to assets | 10.0607% | 3,566 |
| Core capital (leverage) ratio | 11.3380% | 2,219 |
| Tier 1 risk-based capital ratio | 17.1558% | 2,046 |
| Total risk-based capital ratio | 17.7833% | 2,193 |
| Memoranda: | ||
| Average total assets | $96,566,000 | 4,236 |
| Average earning assets | $89,447,670 | 4,233 |
| Average equity | $9,956,670 | 4,385 |
| Average total loans | $37,872,000 | 4,709 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 4,545 |
| Cost of funding earning assets | 0.5413% | 2,470 |
| Net interest margin | 3.1271% | 4,650 |
| Noninterest income to average assets | 0.5776% | 2,377 |
| Noninterest expense to average assets | 2.8591% | 2,498 |
| Loan and lease loss provision to assets | 0.0416% | 2,926 |
| Net operating income to assets | 0.5818% | 4,477 |
| Return on assets (ROA) | 0.5818% | 4,485 |
| Pretax return on assets | 0.5818% | 4,731 |
| Return on Equity (ROE) | 5.5744% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.5744% | 2,918 |
| Net charge-offs to loans | 0.0110% | 2,352 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 434 |
| Efficiency ratio | 82.1002% | 938 |
| Assets per employee ($millions) | 4.1162% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,738 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 3,547 |
| Noncurrent loans to loans | 0.8309% | 2,159 |
| Net loans and leases to total assets | 38.2443% | 5,129 |
| Net loans and leases to deposits | 48.8993% | 5,012 |
| Net loans and leases to core deposits | 54.0677% | 4,912 |
| Total domestic deposits to total assets | 78.2103% | 4,697 |
| Equity capital to assets | 10.2859% | 3,301 |
| Core capital (leverage) ratio | 11.2572% | 2,204 |
| Tier 1 risk-based capital ratio | 18.4372% | 1,711 |
| Total risk-based capital ratio | 19.0975% | 1,829 |
| Memoranda: | ||
| Average total assets | $96,254,000 | 4,284 |
| Average earning assets | $89,410,500 | 4,275 |
| Average equity | $10,046,000 | 4,421 |
| Average total loans | $36,471,500 | 4,791 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 4,366 |
| Cost of funding earning assets | 0.5353% | 2,068 |
| Net interest margin | 3.1527% | 4,565 |
| Noninterest income to average assets | 0.7688% | 1,699 |
| Noninterest expense to average assets | 2.7046% | 3,110 |
| Loan and lease loss provision to assets | 0.0288% | 3,693 |
| Net operating income to assets | 0.9073% | 2,672 |
| Return on assets (ROA) | 0.9386% | 2,542 |
| Pretax return on assets | 0.9900% | 3,615 |
| Return on Equity (ROE) | 8.7667% | 2,422 |
| Retained earnings to average equity (ytd only) | 3.0953% | 3,445 |
| Net charge-offs to loans | 0.0188% | 3,476 |
| Credit loss provision to net charge-offs | 400.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 136.8571% | 505 |
| Efficiency ratio | 73.2850% | 2,017 |
| Assets per employee ($millions) | 4.6588% | 2,941 |
| Cash dividends to net income (ytd only)* | 64.6930% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,829 |
| Loan loss allowance to noncurrent loans | 155.4622% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 3,922 |
| Noncurrent loans to loans | 0.6546% | 2,583 |
| Net loans and leases to total assets | 36.7823% | 5,262 |
| Net loans and leases to deposits | 48.3878% | 5,114 |
| Net loans and leases to core deposits | 53.2337% | 5,032 |
| Total domestic deposits to total assets | 76.0157% | 4,977 |
| Equity capital to assets | 10.5831% | 3,074 |
| Core capital (leverage) ratio | 10.6191% | 2,718 |
| Tier 1 risk-based capital ratio | 17.6344% | 1,906 |
| Total risk-based capital ratio | 18.2717% | 2,036 |
| Memoranda: | ||
| Average total assets | $97,168,000 | 4,284 |
| Average earning assets | $90,050,200 | 4,288 |
| Average equity | $10,403,000 | 4,391 |
| Average total loans | $37,242,800 | 4,812 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,306 |
| Cost of funding earning assets | 0.5372% | 1,975 |
| Net interest margin | 3.1698% | 4,531 |
| Noninterest income to average assets | 0.5251% | 2,869 |
| Noninterest expense to average assets | 2.6707% | 3,159 |
| Loan and lease loss provision to assets | 0.0344% | 3,433 |
| Net operating income to assets | 0.7176% | 3,885 |
| Return on assets (ROA) | 0.7464% | 3,817 |
| Pretax return on assets | 0.7862% | 4,388 |
| Return on Equity (ROE) | 6.9512% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.9512% | 1,716 |
| Net charge-offs to loans | 0.0178% | 3,145 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 114.9400% | 638 |
| Efficiency ratio | 77.1644% | 1,439 |
| Assets per employee ($millions) | 4.5870% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 4,047 |
| Loan loss allowance to noncurrent loans | 492.0000% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,855 |
| Noncurrent loans to loans | 0.2036% | 4,266 |
| Net loans and leases to total assets | 37.8648% | 5,275 |
| Net loans and leases to deposits | 49.1345% | 5,155 |
| Net loans and leases to core deposits | 54.0724% | 5,070 |
| Total domestic deposits to total assets | 77.0635% | 4,878 |
| Equity capital to assets | 11.3229% | 2,554 |
| Core capital (leverage) ratio | 11.0314% | 2,426 |
| Tier 1 risk-based capital ratio | 18.8045% | 1,644 |
| Total risk-based capital ratio | 19.4534% | 1,762 |
| Memoranda: | ||
| Average total assets | $97,001,250 | 4,328 |
| Average earning assets | $89,846,250 | 4,336 |
| Average equity | $10,415,250 | 4,431 |
| Average total loans | $37,464,500 | 4,856 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,227 |
| Cost of funding earning assets | 0.5397% | 1,847 |
| Net interest margin | 3.1626% | 4,512 |
| Noninterest income to average assets | 0.5266% | 2,852 |
| Noninterest expense to average assets | 2.6536% | 3,251 |
| Loan and lease loss provision to assets | 0.0432% | 3,134 |
| Net operating income to assets | 0.7146% | 3,776 |
| Return on assets (ROA) | 0.7344% | 3,756 |
| Pretax return on assets | 0.7673% | 4,382 |
| Return on Equity (ROE) | 6.9649% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.9649% | 1,611 |
| Net charge-offs to loans | 0.0053% | 3,277 |
| Credit loss provision to net charge-offs | 2,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 220 |
| Efficiency ratio | 77.0609% | 1,578 |
| Assets per employee ($millions) | 4.6232% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,218 |
| Loan loss allowance to noncurrent loans | 456.7901% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 4,198 |
| Noncurrent loans to loans | 0.2166% | 4,258 |
| Net loans and leases to total assets | 38.1334% | 5,299 |
| Net loans and leases to deposits | 50.1442% | 5,132 |
| Net loans and leases to core deposits | 55.2203% | 5,035 |
| Total domestic deposits to total assets | 76.0475% | 5,086 |
| Equity capital to assets | 11.1219% | 2,681 |
| Core capital (leverage) ratio | 10.8337% | 2,567 |
| Tier 1 risk-based capital ratio | 17.9433% | 1,869 |
| Total risk-based capital ratio | 18.5753% | 2,013 |
| Memoranda: | ||
| Average total assets | $97,226,000 | 4,356 |
| Average earning assets | $89,672,670 | 4,364 |
| Average equity | $10,251,330 | 4,472 |
| Average total loans | $37,671,670 | 4,883 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 4,138 |
| Cost of funding earning assets | 0.5406% | 1,782 |
| Net interest margin | 3.1499% | 4,502 |
| Noninterest income to average assets | 0.5262% | 2,790 |
| Noninterest expense to average assets | 2.6723% | 3,246 |
| Loan and lease loss provision to assets | 0.0452% | 2,895 |
| Net operating income to assets | 0.6607% | 3,878 |
| Return on assets (ROA) | 0.6989% | 3,748 |
| Pretax return on assets | 0.7482% | 4,291 |
| Return on Equity (ROE) | 6.8150% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.8150% | 1,924 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0312% | 1,624 |
| Assets per employee ($millions) | 4.8338% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 4,509 |
| Loan loss allowance to noncurrent loans | 151.2605% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,232 |
| Noncurrent loans to loans | 0.6331% | 2,931 |
| Net loans and leases to total assets | 38.5136% | 5,304 |
| Net loans and leases to deposits | 49.0198% | 5,178 |
| Net loans and leases to core deposits | 53.5919% | 5,082 |
| Total domestic deposits to total assets | 78.5674% | 4,897 |
| Equity capital to assets | 10.5167% | 3,166 |
| Core capital (leverage) ratio | 10.5350% | 2,861 |
| Tier 1 risk-based capital ratio | 18.5598% | 1,728 |
| Total risk-based capital ratio | 19.2073% | 1,852 |
| Memoranda: | ||
| Average total assets | $97,295,000 | 4,403 |
| Average earning assets | $89,527,000 | 4,409 |
| Average equity | $9,978,000 | 4,547 |
| Average total loans | $37,811,000 | 4,925 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 4,831 |
| Cost of funding earning assets | 0.5514% | 1,677 |
| Net interest margin | 2.9254% | 5,086 |
| Noninterest income to average assets | 0.7854% | 1,807 |
| Noninterest expense to average assets | 2.6031% | 3,668 |
| Loan and lease loss provision to assets | 0.0292% | 3,770 |
| Net operating income to assets | 0.8335% | 3,136 |
| Return on assets (ROA) | 1.0031% | 2,442 |
| Pretax return on assets | 1.0616% | 3,254 |
| Return on Equity (ROE) | 9.1671% | 2,335 |
| Retained earnings to average equity (ytd only) | 3.7498% | 3,249 |
| Net charge-offs to loans | -0.0160% | 5,067 |
| Credit loss provision to net charge-offs | -483.3333% | 5,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0890% | 2,276 |
| Assets per employee ($millions) | 4.4507% | 3,190 |
| Cash dividends to net income (ytd only)* | 59.0955% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,699 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 4,281 |
| Noncurrent loans to loans | 0.6574% | 2,884 |
| Net loans and leases to total assets | 38.4813% | 5,385 |
| Net loans and leases to deposits | 49.2684% | 5,242 |
| Net loans and leases to core deposits | 54.0332% | 5,151 |
| Total domestic deposits to total assets | 78.1055% | 4,965 |
| Equity capital to assets | 9.9974% | 3,732 |
| Core capital (leverage) ratio | 10.4521% | 2,928 |
| Tier 1 risk-based capital ratio | 24.1718% | 854 |
| Total risk-based capital ratio | 25.0030% | 878 |
| Memoranda: | ||
| Average total assets | $99,187,600 | 4,362 |
| Average earning assets | $92,499,200 | 4,338 |
| Average equity | $10,854,000 | 4,445 |
| Average total loans | $37,581,800 | 4,962 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4426% | 4,933 |
| Cost of funding earning assets | 0.5558% | 1,639 |
| Net interest margin | 2.8868% | 5,209 |
| Noninterest income to average assets | 0.8776% | 1,479 |
| Noninterest expense to average assets | 2.6356% | 3,551 |
| Loan and lease loss provision to assets | 0.0362% | 3,523 |
| Net operating income to assets | 0.8478% | 3,163 |
| Return on assets (ROA) | 1.0733% | 2,208 |
| Pretax return on assets | 1.1389% | 3,087 |
| Return on Equity (ROE) | 9.6038% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.6038% | 660 |
| Net charge-offs to loans | -0.0356% | 5,229 |
| Credit loss provision to net charge-offs | -270.0000% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8086% | 2,322 |
| Assets per employee ($millions) | 4.3845% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,661 |
| Loan loss allowance to noncurrent loans | 308.7719% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,955 |
| Noncurrent loans to loans | 0.3078% | 4,147 |
| Net loans and leases to total assets | 38.0313% | 5,464 |
| Net loans and leases to deposits | 49.8194% | 5,303 |
| Net loans and leases to core deposits | 54.8479% | 5,196 |
| Total domestic deposits to total assets | 76.3384% | 5,190 |
| Equity capital to assets | 11.9366% | 2,160 |
| Core capital (leverage) ratio | 11.2117% | 2,260 |
| Tier 1 risk-based capital ratio | 25.1137% | 804 |
| Total risk-based capital ratio | 25.9522% | 828 |
| Memoranda: | ||
| Average total assets | $99,505,750 | 4,387 |
| Average earning assets | $92,835,250 | 4,367 |
| Average equity | $11,120,250 | 4,453 |
| Average total loans | $37,470,000 | 5,008 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3658% | 5,151 |
| Cost of funding earning assets | 0.5617% | 1,600 |
| Net interest margin | 2.8042% | 5,421 |
| Noninterest income to average assets | 1.0505% | 1,012 |
| Noninterest expense to average assets | 2.6104% | 3,687 |
| Loan and lease loss provision to assets | 0.0358% | 3,439 |
| Net operating income to assets | 0.9712% | 2,517 |
| Return on assets (ROA) | 1.1938% | 1,717 |
| Pretax return on assets | 1.2634% | 2,550 |
| Return on Equity (ROE) | 10.9200% | 1,677 |
| Retained earnings to average equity (ytd only) | 10.9200% | 444 |
| Net charge-offs to loans | -0.0425% | 5,302 |
| Credit loss provision to net charge-offs | -225.0000% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0726% | 2,806 |
| Assets per employee ($millions) | 4.3693% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 5,011 |
| Loan loss allowance to noncurrent loans | 272.8000% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 4,989 |
| Noncurrent loans to loans | 0.3229% | 4,211 |
| Net loans and leases to total assets | 39.9157% | 5,426 |
| Net loans and leases to deposits | 52.0745% | 5,248 |
| Net loans and leases to core deposits | 56.8935% | 5,132 |
| Total domestic deposits to total assets | 76.6512% | 5,196 |
| Equity capital to assets | 11.9563% | 2,156 |
| Core capital (leverage) ratio | 10.6747% | 2,758 |
| Tier 1 risk-based capital ratio | 24.7269% | 834 |
| Total risk-based capital ratio | 25.5421% | 858 |
| Memoranda: | ||
| Average total assets | $100,521,000 | 4,417 |
| Average earning assets | $94,003,330 | 4,385 |
| Average equity | $10,989,000 | 4,496 |
| Average total loans | $37,614,330 | 5,055 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3176% | 5,284 |
| Cost of funding earning assets | 0.5884% | 1,417 |
| Net interest margin | 2.7292% | 5,575 |
| Noninterest income to average assets | 1.5810% | 468 |
| Noninterest expense to average assets | 2.6168% | 3,700 |
| Loan and lease loss provision to assets | 0.0350% | 3,195 |
| Net operating income to assets | 1.3796% | 1,079 |
| Return on assets (ROA) | 1.7017% | 615 |
| Pretax return on assets | 1.8186% | 822 |
| Return on Equity (ROE) | 16.2802% | 506 |
| Retained earnings to average equity (ytd only) | 16.2802% | 182 |
| Net charge-offs to loans | -0.0324% | 5,099 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3962% | 4,236 |
| Assets per employee ($millions) | 4.5726% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 5,131 |
| Loan loss allowance to noncurrent loans | 441.8919% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 5,290 |
| Noncurrent loans to loans | 0.1984% | 4,704 |
| Net loans and leases to total assets | 36.7423% | 5,603 |
| Net loans and leases to deposits | 48.4620% | 5,405 |
| Net loans and leases to core deposits | 52.7757% | 5,319 |
| Total domestic deposits to total assets | 75.8166% | 5,422 |
| Equity capital to assets | 11.0131% | 2,922 |
| Core capital (leverage) ratio | 9.7984% | 3,783 |
| Tier 1 risk-based capital ratio | 22.8123% | 1,034 |
| Total risk-based capital ratio | 23.5451% | 1,101 |
| Memoranda: | ||
| Average total assets | $102,719,000 | 4,412 |
| Average earning assets | $95,851,500 | 4,382 |
| Average equity | $10,737,000 | 4,552 |
| Average total loans | $37,066,500 | 5,109 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2763% | 5,385 |
| Cost of funding earning assets | 0.5989% | 1,362 |
| Net interest margin | 2.6775% | 5,675 |
| Noninterest income to average assets | 0.5502% | 3,011 |
| Noninterest expense to average assets | 2.3959% | 4,525 |
| Loan and lease loss provision to assets | 0.0124% | 4,158 |
| Net operating income to assets | 0.5956% | 4,291 |
| Return on assets (ROA) | 0.6616% | 4,075 |
| Pretax return on assets | 0.6968% | 4,540 |
| Return on Equity (ROE) | 6.5069% | 3,777 |
| Retained earnings to average equity (ytd only) | 1.6291% | 4,796 |
| Net charge-offs to loans | 0.1078% | 2,309 |
| Credit loss provision to net charge-offs | 33.3333% | 3,610 |
| Earnings coverage of net charge-offs (x) | 17.2308% | 2,089 |
| Efficiency ratio | 78.9276% | 1,825 |
| Assets per employee ($millions) | 4.7655% | 2,656 |
| Cash dividends to net income (ytd only)* | 74.9640% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 5,262 |
| Loan loss allowance to noncurrent loans | 461.7647% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 5,381 |
| Noncurrent loans to loans | 0.1846% | 4,749 |
| Net loans and leases to total assets | 34.8436% | 5,746 |
| Net loans and leases to deposits | 49.0053% | 5,441 |
| Net loans and leases to core deposits | 53.4721% | 5,347 |
| Total domestic deposits to total assets | 71.1017% | 5,846 |
| Equity capital to assets | 9.9151% | 4,057 |
| Core capital (leverage) ratio | 9.3860% | 4,344 |
| Tier 1 risk-based capital ratio | 18.8858% | 1,727 |
| Total risk-based capital ratio | 19.4945% | 1,862 |
| Memoranda: | ||
| Average total assets | $105,053,000 | 4,360 |
| Average earning assets | $97,517,800 | 4,350 |
| Average equity | $10,681,000 | 4,541 |
| Average total loans | $36,168,400 | 5,149 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2963% | 5,418 |
| Cost of funding earning assets | 0.5982% | 1,418 |
| Net interest margin | 2.6981% | 5,726 |
| Noninterest income to average assets | 0.5518% | 3,041 |
| Noninterest expense to average assets | 2.4115% | 4,479 |
| Loan and lease loss provision to assets | 0.0419% | 3,376 |
| Net operating income to assets | 0.5679% | 4,537 |
| Return on assets (ROA) | 0.6317% | 4,342 |
| Pretax return on assets | 0.6660% | 4,786 |
| Return on Equity (ROE) | 6.1751% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.1751% | 2,135 |
| Net charge-offs to loans | 0.1556% | 1,582 |
| Credit loss provision to net charge-offs | 78.5714% | 2,632 |
| Earnings coverage of net charge-offs (x) | 12.0236% | 2,439 |
| Efficiency ratio | 79.0108% | 1,803 |
| Assets per employee ($millions) | 4.7115% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 5,081 |
| Loan loss allowance to noncurrent loans | 408.6420% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 5,445 |
| Noncurrent loans to loans | 0.2272% | 4,750 |
| Net loans and leases to total assets | 34.0730% | 5,856 |
| Net loans and leases to deposits | 47.5209% | 5,594 |
| Net loans and leases to core deposits | 52.2819% | 5,489 |
| Total domestic deposits to total assets | 71.7010% | 5,882 |
| Equity capital to assets | 10.5891% | 3,491 |
| Core capital (leverage) ratio | 9.7860% | 3,920 |
| Tier 1 risk-based capital ratio | 20.4149% | 1,451 |
| Total risk-based capital ratio | 21.0860% | 1,552 |
| Memoranda: | ||
| Average total assets | $105,106,250 | 4,400 |
| Average earning assets | $97,400,000 | 4,396 |
| Average equity | $10,752,500 | 4,578 |
| Average total loans | $35,999,500 | 5,214 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2798% | 5,477 |
| Cost of funding earning assets | 0.5939% | 1,460 |
| Net interest margin | 2.6859% | 5,781 |
| Noninterest income to average assets | 0.5569% | 2,996 |
| Noninterest expense to average assets | 2.3695% | 4,658 |
| Loan and lease loss provision to assets | 0.0455% | 3,204 |
| Net operating income to assets | 0.6061% | 4,317 |
| Return on assets (ROA) | 0.6421% | 4,267 |
| Pretax return on assets | 0.6724% | 4,744 |
| Return on Equity (ROE) | 6.3495% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.3495% | 2,032 |
| Net charge-offs to loans | 0.2492% | 1,045 |
| Credit loss provision to net charge-offs | 53.3333% | 2,669 |
| Earnings coverage of net charge-offs (x) | 7.9778% | 2,608 |
| Efficiency ratio | 77.7019% | 2,109 |
| Assets per employee ($millions) | 4.7165% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 5,475 |
| Loan loss allowance to noncurrent loans | 279.8246% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 5,420 |
| Noncurrent loans to loans | 0.3032% | 4,601 |
| Net loans and leases to total assets | 35.9226% | 5,824 |
| Net loans and leases to deposits | 50.8895% | 5,455 |
| Net loans and leases to core deposits | 56.0612% | 5,307 |
| Total domestic deposits to total assets | 70.5894% | 6,012 |
| Equity capital to assets | 10.2591% | 3,739 |
| Core capital (leverage) ratio | 9.5425% | 4,222 |
| Tier 1 risk-based capital ratio | 34.2233% | 386 |
| Total risk-based capital ratio | 35.3252% | 390 |
| Memoranda: | ||
| Average total assets | $105,590,330 | 4,432 |
| Average earning assets | $97,992,330 | 4,424 |
| Average equity | $10,678,000 | 4,622 |
| Average total loans | $36,116,330 | 5,254 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2461% | 5,563 |
| Cost of funding earning assets | 0.5928% | 1,483 |
| Net interest margin | 2.6533% | 5,859 |
| Noninterest income to average assets | 0.5821% | 2,755 |
| Noninterest expense to average assets | 2.3736% | 4,674 |
| Loan and lease loss provision to assets | 0.0338% | 3,218 |
| Net operating income to assets | 0.6051% | 4,267 |
| Return on assets (ROA) | 0.6122% | 4,323 |
| Pretax return on assets | 0.6535% | 4,747 |
| Return on Equity (ROE) | 6.0966% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.0966% | 2,437 |
| Net charge-offs to loans | -0.0339% | 5,322 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7368% | 2,225 |
| Assets per employee ($millions) | 4.7901% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 5,081 |
| Loan loss allowance to noncurrent loans | 209.5238% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 5,317 |
| Noncurrent loans to loans | 0.4730% | 4,160 |
| Net loans and leases to total assets | 33.3700% | 5,943 |
| Net loans and leases to deposits | 47.5441% | 5,587 |
| Net loans and leases to core deposits | 52.3171% | 5,467 |
| Total domestic deposits to total assets | 70.1875% | 6,123 |
| Equity capital to assets | 10.4154% | 3,630 |
| Core capital (leverage) ratio | 9.2908% | 4,589 |
| Tier 1 risk-based capital ratio | 20.0383% | 1,601 |
| Total risk-based capital ratio | 20.7630% | 1,689 |
| Memoranda: | ||
| Average total assets | $106,504,500 | 4,447 |
| Average earning assets | $99,196,500 | 4,423 |
| Average equity | $10,694,500 | 4,660 |
| Average total loans | $35,378,000 | 5,319 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 5,568 |
| Cost of funding earning assets | 0.6141% | 1,644 |
| Net interest margin | 2.7661% | 5,856 |
| Noninterest income to average assets | 0.6206% | 2,735 |
| Noninterest expense to average assets | 2.4953% | 4,565 |
| Loan and lease loss provision to assets | 0.0180% | 4,254 |
| Net operating income to assets | 0.6471% | 4,157 |
| Return on assets (ROA) | 0.7095% | 3,959 |
| Pretax return on assets | 0.7425% | 4,468 |
| Return on Equity (ROE) | 7.0930% | 3,579 |
| Retained earnings to average equity (ytd only) | 2.5975% | 4,394 |
| Net charge-offs to loans | -0.0061% | 5,488 |
| Credit loss provision to net charge-offs | -900.0000% | 5,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2023% | 2,185 |
| Assets per employee ($millions) | 4.8921% | 2,469 |
| Cash dividends to net income (ytd only)* | 63.3803% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 5,209 |
| Loan loss allowance to noncurrent loans | 410.8434% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 5,723 |
| Noncurrent loans to loans | 0.2355% | 4,986 |
| Net loans and leases to total assets | 32.4240% | 6,102 |
| Net loans and leases to deposits | 47.0012% | 5,745 |
| Net loans and leases to core deposits | 51.6939% | 5,633 |
| Total domestic deposits to total assets | 68.9855% | 6,237 |
| Equity capital to assets | 9.6751% | 4,504 |
| Core capital (leverage) ratio | 9.0211% | 4,965 |
| Tier 1 risk-based capital ratio | 17.9811% | 2,145 |
| Total risk-based capital ratio | 18.6219% | 2,328 |
| Memoranda: | ||
| Average total assets | $100,069,600 | 4,597 |
| Average earning assets | $92,981,800 | 4,582 |
| Average equity | $10,009,800 | 4,747 |
| Average total loans | $32,714,200 | 5,461 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3906% | 5,612 |
| Cost of funding earning assets | 0.6189% | 1,684 |
| Net interest margin | 2.7718% | 5,907 |
| Noninterest income to average assets | 0.6247% | 2,717 |
| Noninterest expense to average assets | 2.5531% | 4,350 |
| Loan and lease loss provision to assets | 0.0407% | 3,593 |
| Net operating income to assets | 0.5685% | 4,598 |
| Return on assets (ROA) | 0.5853% | 4,592 |
| Pretax return on assets | 0.6152% | 4,980 |
| Return on Equity (ROE) | 5.7993% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.7993% | 2,539 |
| Net charge-offs to loans | -0.0249% | 5,679 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,918 |
| Assets per employee ($millions) | 4.8197% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 4,888 |
| Loan loss allowance to noncurrent loans | 395.5556% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 5,826 |
| Noncurrent loans to loans | 0.2702% | 5,102 |
| Net loans and leases to total assets | 31.0799% | 6,221 |
| Net loans and leases to deposits | 44.2296% | 5,959 |
| Net loans and leases to core deposits | 48.6220% | 5,854 |
| Total domestic deposits to total assets | 70.2696% | 6,272 |
| Equity capital to assets | 9.8667% | 4,334 |
| Core capital (leverage) ratio | 9.3911% | 4,525 |
| Tier 1 risk-based capital ratio | 19.0664% | 1,892 |
| Total risk-based capital ratio | 19.7632% | 2,012 |
| Memoranda: | ||
| Average total assets | $98,180,250 | 4,691 |
| Average earning assets | $90,914,500 | 4,677 |
| Average equity | $9,909,000 | 4,806 |
| Average total loans | $32,083,250 | 5,538 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 5,564 |
| Cost of funding earning assets | 0.6070% | 1,848 |
| Net interest margin | 2.8208% | 5,862 |
| Noninterest income to average assets | 0.6446% | 2,579 |
| Noninterest expense to average assets | 2.5805% | 4,305 |
| Loan and lease loss provision to assets | 0.0377% | 3,541 |
| Net operating income to assets | 0.6164% | 4,269 |
| Return on assets (ROA) | 0.6425% | 4,240 |
| Pretax return on assets | 0.6697% | 4,736 |
| Return on Equity (ROE) | 6.3138% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.3138% | 2,148 |
| Net charge-offs to loans | -0.0505% | 5,880 |
| Credit loss provision to net charge-offs | -225.0000% | 5,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1399% | 2,149 |
| Assets per employee ($millions) | 4.2626% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 4,892 |
| Loan loss allowance to noncurrent loans | 376.0870% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 5,889 |
| Noncurrent loans to loans | 0.2934% | 5,137 |
| Net loans and leases to total assets | 30.3083% | 6,295 |
| Net loans and leases to deposits | 42.8911% | 6,037 |
| Net loans and leases to core deposits | 47.2804% | 5,942 |
| Total domestic deposits to total assets | 70.6633% | 6,329 |
| Equity capital to assets | 9.9715% | 4,144 |
| Core capital (leverage) ratio | 10.1740% | 3,384 |
| Tier 1 risk-based capital ratio | 20.2038% | 1,638 |
| Total risk-based capital ratio | 20.9307% | 1,732 |
| Memoranda: | ||
| Average total assets | $95,562,670 | 4,781 |
| Average earning assets | $88,628,000 | 4,765 |
| Average equity | $9,724,670 | 4,860 |
| Average total loans | $31,674,000 | 5,597 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 5,648 |
| Cost of funding earning assets | 0.6271% | 1,755 |
| Net interest margin | 2.7724% | 5,991 |
| Noninterest income to average assets | 0.6508% | 2,457 |
| Noninterest expense to average assets | 2.7508% | 3,744 |
| Loan and lease loss provision to assets | 0.0390% | 3,290 |
| Net operating income to assets | 0.3818% | 5,178 |
| Return on assets (ROA) | 0.3818% | 5,251 |
| Pretax return on assets | 0.4122% | 5,416 |
| Return on Equity (ROE) | 3.7105% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.7105% | 3,907 |
| Net charge-offs to loans | -0.0377% | 5,691 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9079% | 1,466 |
| Assets per employee ($millions) | 3.7305% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 5,379 |
| Loan loss allowance to noncurrent loans | 353.1915% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 5,945 |
| Noncurrent loans to loans | 0.2932% | 5,238 |
| Net loans and leases to total assets | 34.0253% | 6,181 |
| Net loans and leases to deposits | 42.2167% | 6,066 |
| Net loans and leases to core deposits | 46.3648% | 5,968 |
| Total domestic deposits to total assets | 80.5968% | 5,356 |
| Equity capital to assets | 10.4607% | 3,284 |
| Core capital (leverage) ratio | 10.3505% | 3,116 |
| Tier 1 risk-based capital ratio | 20.0004% | 1,716 |
| Total risk-based capital ratio | 20.7069% | 1,815 |
| Memoranda: | ||
| Average total assets | $92,193,000 | 4,910 |
| Average earning assets | $84,835,000 | 4,894 |
| Average equity | $9,486,500 | 4,940 |
| Average total loans | $31,835,000 | 5,634 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 5,531 |
| Cost of funding earning assets | 0.6871% | 1,906 |
| Net interest margin | 2.8647% | 5,870 |
| Noninterest income to average assets | 0.7714% | 2,202 |
| Noninterest expense to average assets | 2.7615% | 3,867 |
| Loan and lease loss provision to assets | -0.0102% | 6,274 |
| Net operating income to assets | 0.6423% | 4,065 |
| Return on assets (ROA) | 0.7079% | 3,843 |
| Pretax return on assets | 0.7430% | 4,367 |
| Return on Equity (ROE) | 6.1745% | 3,988 |
| Retained earnings to average equity (ytd only) | 1.5412% | 5,120 |
| Net charge-offs to loans | -0.0587% | 6,364 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6217% | 2,066 |
| Assets per employee ($millions) | 3.6449% | 4,590 |
| Cash dividends to net income (ytd only)* | 75.0400% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 5,503 |
| Loan loss allowance to noncurrent loans | 112.2807% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 5,324 |
| Noncurrent loans to loans | 0.9018% | 3,731 |
| Net loans and leases to total assets | 34.3327% | 6,276 |
| Net loans and leases to deposits | 43.5876% | 6,142 |
| Net loans and leases to core deposits | 47.8291% | 6,044 |
| Total domestic deposits to total assets | 78.7672% | 5,696 |
| Equity capital to assets | 10.1149% | 3,615 |
| Core capital (leverage) ratio | 10.4209% | 2,996 |
| Tier 1 risk-based capital ratio | 20.0120% | 1,652 |
| Total risk-based capital ratio | 20.6998% | 1,764 |
| Memoranda: | ||
| Average total assets | $88,286,000 | 5,019 |
| Average earning assets | $81,787,600 | 4,992 |
| Average equity | $10,122,200 | 4,816 |
| Average total loans | $30,659,200 | 5,729 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 5,527 |
| Cost of funding earning assets | 0.6948% | 1,988 |
| Net interest margin | 2.8743% | 5,868 |
| Noninterest income to average assets | 0.7871% | 2,213 |
| Noninterest expense to average assets | 2.8378% | 3,534 |
| Loan and lease loss provision to assets | 0.0776% | 3,507 |
| Net operating income to assets | 0.5146% | 4,740 |
| Return on assets (ROA) | 0.5146% | 4,889 |
| Pretax return on assets | 0.5420% | 5,227 |
| Return on Equity (ROE) | 4.3548% | 5,048 |
| Retained earnings to average equity (ytd only) | 4.3548% | 3,573 |
| Net charge-offs to loans | -0.0526% | 6,332 |
| Credit loss provision to net charge-offs | -425.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0784% | 1,813 |
| Assets per employee ($millions) | 3.4490% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 4,527 |
| Loan loss allowance to noncurrent loans | 656.1404% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 6,245 |
| Noncurrent loans to loans | 0.1940% | 5,756 |
| Net loans and leases to total assets | 33.6426% | 6,377 |
| Net loans and leases to deposits | 42.8992% | 6,267 |
| Net loans and leases to core deposits | 46.5992% | 6,185 |
| Total domestic deposits to total assets | 78.4225% | 5,841 |
| Equity capital to assets | 11.5049% | 2,300 |
| Core capital (leverage) ratio | 11.0238% | 2,459 |
| Tier 1 risk-based capital ratio | 21.7914% | 1,353 |
| Total risk-based capital ratio | 22.6500% | 1,392 |
| Memoranda: | ||
| Average total assets | $87,576,750 | 5,086 |
| Average earning assets | $81,362,750 | 5,041 |
| Average equity | $10,348,500 | 4,823 |
| Average total loans | $30,422,750 | 5,793 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 5,581 |
| Cost of funding earning assets | 0.6948% | 2,107 |
| Net interest margin | 2.8596% | 5,876 |
| Noninterest income to average assets | 0.8134% | 2,132 |
| Noninterest expense to average assets | 2.8650% | 3,456 |
| Loan and lease loss provision to assets | 0.0682% | 3,679 |
| Net operating income to assets | 0.5226% | 4,707 |
| Return on assets (ROA) | 0.5226% | 4,869 |
| Pretax return on assets | 0.5453% | 5,218 |
| Return on Equity (ROE) | 4.3846% | 5,052 |
| Retained earnings to average equity (ytd only) | 4.3846% | 3,480 |
| Net charge-offs to loans | -0.0975% | 6,499 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3645% | 1,841 |
| Assets per employee ($millions) | 3.4812% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,216 |
| Loan loss allowance to noncurrent loans | 84.5606% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 5,058 |
| Noncurrent loans to loans | 1.3655% | 3,273 |
| Net loans and leases to total assets | 35.0171% | 6,359 |
| Net loans and leases to deposits | 44.5157% | 6,196 |
| Net loans and leases to core deposits | 48.8248% | 6,087 |
| Total domestic deposits to total assets | 78.6623% | 5,861 |
| Equity capital to assets | 11.4272% | 2,357 |
| Core capital (leverage) ratio | 10.8263% | 2,530 |
| Tier 1 risk-based capital ratio | 20.8778% | 1,518 |
| Total risk-based capital ratio | 21.6698% | 1,601 |
| Memoranda: | ||
| Average total assets | $88,027,670 | 5,110 |
| Average earning assets | $82,039,330 | 5,050 |
| Average equity | $10,491,330 | 4,833 |
| Average total loans | $30,769,670 | 5,809 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 5,596 |
| Cost of funding earning assets | 0.6814% | 2,373 |
| Net interest margin | 2.8618% | 5,884 |
| Noninterest income to average assets | 0.7410% | 2,371 |
| Noninterest expense to average assets | 2.8782% | 3,431 |
| Loan and lease loss provision to assets | 0.0678% | 3,505 |
| Net operating income to assets | 0.4338% | 4,986 |
| Return on assets (ROA) | 0.4338% | 5,144 |
| Pretax return on assets | 0.4518% | 5,408 |
| Return on Equity (ROE) | 3.5673% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.5673% | 4,096 |
| Net charge-offs to loans | -0.1431% | 6,588 |
| Credit loss provision to net charge-offs | -136.3636% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7074% | 1,680 |
| Assets per employee ($millions) | 3.5344% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 5,675 |
| Loan loss allowance to noncurrent loans | 152.2523% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 5,759 |
| Noncurrent loans to loans | 0.7116% | 4,702 |
| Net loans and leases to total assets | 34.9249% | 6,364 |
| Net loans and leases to deposits | 45.0754% | 6,115 |
| Net loans and leases to core deposits | 49.1824% | 6,022 |
| Total domestic deposits to total assets | 77.4810% | 6,193 |
| Equity capital to assets | 12.1705% | 1,926 |
| Core capital (leverage) ratio | 10.7287% | 2,517 |
| Tier 1 risk-based capital ratio | 20.4622% | 1,659 |
| Total risk-based capital ratio | 21.2098% | 1,751 |
| Memoranda: | ||
| Average total assets | $88,527,000 | 5,138 |
| Average earning assets | $82,186,000 | 5,082 |
| Average equity | $10,764,500 | 4,819 |
| Average total loans | $30,739,000 | 5,858 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 6,353 |
| Cost of funding earning assets | 0.7017% | 3,480 |
| Net interest margin | 2.8006% | 6,384 |
| Noninterest income to average assets | 0.7557% | 2,463 |
| Noninterest expense to average assets | 2.7220% | 4,324 |
| Loan and lease loss provision to assets | -0.2405% | 6,998 |
| Net operating income to assets | 0.8563% | 3,013 |
| Return on assets (ROA) | 0.8834% | 3,143 |
| Pretax return on assets | 0.9279% | 3,819 |
| Return on Equity (ROE) | 7.1806% | 3,542 |
| Retained earnings to average equity (ytd only) | 1.7975% | 4,956 |
| Net charge-offs to loans | 0.2858% | 3,232 |
| Credit loss provision to net charge-offs | -281.3333% | 6,443 |
| Earnings coverage of net charge-offs (x) | 7.7067% | 2,548 |
| Efficiency ratio | 80.5125% | 2,086 |
| Assets per employee ($millions) | 3.6955% | 4,572 |
| Cash dividends to net income (ytd only)* | 74.9677% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 5,872 |
| Loan loss allowance to noncurrent loans | 117.8030% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 5,788 |
| Noncurrent loans to loans | 0.8719% | 4,435 |
| Net loans and leases to total assets | 33.7896% | 6,557 |
| Net loans and leases to deposits | 42.4604% | 6,446 |
| Net loans and leases to core deposits | 46.0198% | 6,370 |
| Total domestic deposits to total assets | 79.5790% | 5,765 |
| Equity capital to assets | 12.1486% | 1,948 |
| Core capital (leverage) ratio | 10.5115% | 2,752 |
| Tier 1 risk-based capital ratio | 20.5652% | 1,551 |
| Total risk-based capital ratio | 21.2638% | 1,648 |
| Memoranda: | ||
| Average total assets | $87,728,000 | 5,146 |
| Average earning assets | $82,233,000 | 5,062 |
| Average equity | $10,793,000 | 4,799 |
| Average total loans | $26,238,000 | 6,124 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4786% | 6,534 |
| Cost of funding earning assets | 0.7038% | 3,735 |
| Net interest margin | 2.7748% | 6,542 |
| Noninterest income to average assets | 0.7391% | 2,531 |
| Noninterest expense to average assets | 2.7417% | 4,206 |
| Loan and lease loss provision to assets | -0.2057% | 7,087 |
| Net operating income to assets | 0.7731% | 3,587 |
| Return on assets (ROA) | 0.8092% | 3,646 |
| Pretax return on assets | 0.8550% | 4,280 |
| Return on Equity (ROE) | 6.5569% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.5569% | 2,355 |
| Net charge-offs to loans | 0.3752% | 2,597 |
| Credit loss provision to net charge-offs | -190.1408% | 6,330 |
| Earnings coverage of net charge-offs (x) | 5.6481% | 2,966 |
| Efficiency ratio | 81.7727% | 1,835 |
| Assets per employee ($millions) | 3.7244% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,937 |
| Loan loss allowance to noncurrent loans | 234.7305% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 6,240 |
| Noncurrent loans to loans | 0.6405% | 5,159 |
| Net loans and leases to total assets | 28.7304% | 6,857 |
| Net loans and leases to deposits | 37.0550% | 6,782 |
| Net loans and leases to core deposits | 40.2152% | 6,731 |
| Total domestic deposits to total assets | 77.5345% | 6,158 |
| Equity capital to assets | 12.7190% | 1,756 |
| Core capital (leverage) ratio | 10.6150% | 2,786 |
| Tier 1 risk-based capital ratio | 23.2755% | 1,135 |
| Total risk-based capital ratio | 24.2368% | 1,150 |
| Memoranda: | ||
| Average total assets | $87,486,750 | 5,196 |
| Average earning assets | $82,407,500 | 5,108 |
| Average equity | $10,797,500 | 4,849 |
| Average total loans | $25,227,500 | 6,264 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 6,599 |
| Cost of funding earning assets | 0.7166% | 3,887 |
| Net interest margin | 2.7908% | 6,596 |
| Noninterest income to average assets | 0.7000% | 2,670 |
| Noninterest expense to average assets | 2.7794% | 4,094 |
| Loan and lease loss provision to assets | -0.3224% | 7,184 |
| Net operating income to assets | 0.8365% | 3,210 |
| Return on assets (ROA) | 0.8912% | 3,212 |
| Pretax return on assets | 0.9372% | 3,935 |
| Return on Equity (ROE) | 7.2971% | 3,619 |
| Retained earnings to average equity (ytd only) | 7.2971% | 1,957 |
| Net charge-offs to loans | 0.6093% | 1,797 |
| Credit loss provision to net charge-offs | -184.2105% | 6,127 |
| Earnings coverage of net charge-offs (x) | 3.1842% | 3,464 |
| Efficiency ratio | 83.2988% | 1,707 |
| Assets per employee ($millions) | 3.7560% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,994 |
| Loan loss allowance to noncurrent loans | 218.9655% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 6,303 |
| Noncurrent loans to loans | 0.6864% | 5,135 |
| Net loans and leases to total assets | 27.7004% | 6,940 |
| Net loans and leases to deposits | 35.6852% | 6,886 |
| Net loans and leases to core deposits | 38.4728% | 6,856 |
| Total domestic deposits to total assets | 77.6244% | 6,227 |
| Equity capital to assets | 12.1573% | 2,024 |
| Core capital (leverage) ratio | 10.6143% | 2,698 |
| Tier 1 risk-based capital ratio | 22.9735% | 1,134 |
| Total risk-based capital ratio | 23.9097% | 1,165 |
| Memoranda: | ||
| Average total assets | $86,853,670 | 5,250 |
| Average earning assets | $82,055,000 | 5,149 |
| Average equity | $10,607,000 | 4,894 |
| Average total loans | $24,945,670 | 6,322 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 6,543 |
| Cost of funding earning assets | 0.7261% | 4,065 |
| Net interest margin | 2.8996% | 6,490 |
| Noninterest income to average assets | 0.7135% | 2,592 |
| Noninterest expense to average assets | 2.7744% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6502% | 4,118 |
| Return on assets (ROA) | 0.7605% | 3,809 |
| Pretax return on assets | 0.8121% | 4,367 |
| Return on Equity (ROE) | 6.2123% | 4,182 |
| Retained earnings to average equity (ytd only) | 6.2123% | 2,836 |
| Net charge-offs to loans | 1.0185% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.3492% | 3,235 |
| Efficiency ratio | 79.9729% | 2,210 |
| Assets per employee ($millions) | 3.7613% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,862 |
| Loan loss allowance to noncurrent loans | 295.5801% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 6,365 |
| Noncurrent loans to loans | 0.7474% | 5,168 |
| Net loans and leases to total assets | 27.3760% | 6,995 |
| Net loans and leases to deposits | 34.0660% | 6,951 |
| Net loans and leases to core deposits | 36.8980% | 6,911 |
| Total domestic deposits to total assets | 80.3618% | 5,762 |
| Equity capital to assets | 12.1940% | 1,918 |
| Core capital (leverage) ratio | 10.7119% | 2,534 |
| Tier 1 risk-based capital ratio | 24.5071% | 952 |
| Total risk-based capital ratio | 25.7588% | 939 |
| Memoranda: | ||
| Average total assets | $85,209,000 | 5,332 |
| Average earning assets | $80,978,000 | 5,220 |
| Average equity | $10,431,000 | 4,933 |
| Average total loans | $24,743,000 | 6,384 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 6,626 |
| Cost of funding earning assets | 0.8367% | 4,568 |
| Net interest margin | 3.0569% | 6,435 |
| Noninterest income to average assets | 0.7767% | 2,188 |
| Noninterest expense to average assets | 2.7581% | 4,516 |
| Loan and lease loss provision to assets | -0.1029% | 7,277 |
| Net operating income to assets | 0.9490% | 2,413 |
| Return on assets (ROA) | 1.0096% | 2,307 |
| Pretax return on assets | 1.0664% | 2,973 |
| Return on Equity (ROE) | 8.3459% | 2,741 |
| Retained earnings to average equity (ytd only) | 2.0914% | 4,721 |
| Net charge-offs to loans | -0.2683% | 7,233 |
| Credit loss provision to net charge-offs | 119.1781% | 2,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4040% | 2,992 |
| Assets per employee ($millions) | 3.8140% | 4,293 |
| Cash dividends to net income (ytd only)* | 74.9415% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3627% | 1,517 |
| Loan loss allowance to noncurrent loans | 278.9720% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 6,332 |
| Noncurrent loans to loans | 0.8469% | 4,992 |
| Net loans and leases to total assets | 29.4024% | 7,031 |
| Net loans and leases to deposits | 37.0736% | 6,976 |
| Net loans and leases to core deposits | 40.5760% | 6,927 |
| Total domestic deposits to total assets | 79.3083% | 5,911 |
| Equity capital to assets | 12.2908% | 1,919 |
| Core capital (leverage) ratio | 10.4332% | 2,805 |
| Tier 1 risk-based capital ratio | 24.0823% | 962 |
| Total risk-based capital ratio | 25.3372% | 947 |
| Memoranda: | ||
| Average total assets | $84,587,600 | 5,322 |
| Average earning assets | $79,721,600 | 5,239 |
| Average equity | $10,232,600 | 4,962 |
| Average total loans | $27,211,400 | 6,282 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 6,598 |
| Cost of funding earning assets | 0.8543% | 4,740 |
| Net interest margin | 3.1397% | 6,316 |
| Noninterest income to average assets | 0.7755% | 2,164 |
| Noninterest expense to average assets | 2.7875% | 4,390 |
| Loan and lease loss provision to assets | 0.0267% | 6,110 |
| Net operating income to assets | 0.8679% | 2,870 |
| Return on assets (ROA) | 0.9486% | 2,703 |
| Pretax return on assets | 1.0005% | 3,404 |
| Return on Equity (ROE) | 7.8725% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.8725% | 1,554 |
| Net charge-offs to loans | -0.3370% | 7,314 |
| Credit loss provision to net charge-offs | -24.2857% | 6,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7364% | 3,042 |
| Assets per employee ($millions) | 4.0839% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6263% | 1,234 |
| Loan loss allowance to noncurrent loans | 774.4444% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 6,796 |
| Noncurrent loans to loans | 0.3391% | 6,171 |
| Net loans and leases to total assets | 30.1326% | 7,084 |
| Net loans and leases to deposits | 38.7483% | 7,013 |
| Net loans and leases to core deposits | 42.4140% | 6,973 |
| Total domestic deposits to total assets | 77.7650% | 6,233 |
| Equity capital to assets | 12.6864% | 1,796 |
| Core capital (leverage) ratio | 10.8839% | 2,487 |
| Tier 1 risk-based capital ratio | 24.8096% | 932 |
| Total risk-based capital ratio | 26.0672% | 913 |
| Memoranda: | ||
| Average total assets | $84,757,500 | 5,361 |
| Average earning assets | $79,752,000 | 5,276 |
| Average equity | $10,212,500 | 4,990 |
| Average total loans | $27,697,250 | 6,318 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 6,632 |
| Cost of funding earning assets | 0.8817% | 4,818 |
| Net interest margin | 3.1392% | 6,306 |
| Noninterest income to average assets | 0.7628% | 2,192 |
| Noninterest expense to average assets | 2.8097% | 4,391 |
| Loan and lease loss provision to assets | 0.0403% | 5,805 |
| Net operating income to assets | 0.8048% | 3,051 |
| Return on assets (ROA) | 0.9263% | 2,639 |
| Pretax return on assets | 0.9760% | 3,331 |
| Return on Equity (ROE) | 7.8278% | 3,029 |
| Retained earnings to average equity (ytd only) | 7.8278% | 1,521 |
| Net charge-offs to loans | -0.2564% | 7,327 |
| Credit loss provision to net charge-offs | -47.2222% | 6,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9769% | 3,014 |
| Assets per employee ($millions) | 4.1405% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5078% | 1,436 |
| Loan loss allowance to noncurrent loans | 533.8710% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 6,549 |
| Noncurrent loans to loans | 0.4697% | 5,964 |
| Net loans and leases to total assets | 29.5983% | 7,192 |
| Net loans and leases to deposits | 38.1687% | 7,115 |
| Net loans and leases to core deposits | 41.4863% | 7,083 |
| Total domestic deposits to total assets | 77.5460% | 6,364 |
| Equity capital to assets | 11.9780% | 2,107 |
| Core capital (leverage) ratio | 10.7879% | 2,433 |
| Tier 1 risk-based capital ratio | 24.4182% | 965 |
| Total risk-based capital ratio | 25.6740% | 944 |
| Memoranda: | ||
| Average total assets | $84,423,000 | 5,413 |
| Average earning assets | $78,936,670 | 5,344 |
| Average equity | $9,990,000 | 5,050 |
| Average total loans | $28,083,330 | 6,364 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 6,608 |
| Cost of funding earning assets | 0.9195% | 4,780 |
| Net interest margin | 3.1285% | 6,271 |
| Noninterest income to average assets | 0.8273% | 1,934 |
| Noninterest expense to average assets | 2.9197% | 3,985 |
| Loan and lease loss provision to assets | 0.0722% | 5,101 |
| Net operating income to assets | 0.7167% | 3,441 |
| Return on assets (ROA) | 0.7167% | 3,504 |
| Pretax return on assets | 0.7648% | 4,038 |
| Return on Equity (ROE) | 6.0956% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.0956% | 2,581 |
| Net charge-offs to loans | -0.4287% | 7,389 |
| Credit loss provision to net charge-offs | -48.3871% | 5,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7209% | 2,885 |
| Assets per employee ($millions) | 3.4641% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3360% | 1,710 |
| Loan loss allowance to noncurrent loans | 304.6512% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 6,536 |
| Noncurrent loans to loans | 0.7668% | 5,494 |
| Net loans and leases to total assets | 32.9376% | 7,128 |
| Net loans and leases to deposits | 40.2363% | 7,090 |
| Net loans and leases to core deposits | 43.7116% | 7,047 |
| Total domestic deposits to total assets | 81.8605% | 5,363 |
| Equity capital to assets | 11.8536% | 2,010 |
| Core capital (leverage) ratio | 10.7326% | 2,411 |
| Tier 1 risk-based capital ratio | 23.8473% | 987 |
| Total risk-based capital ratio | 25.1045% | 967 |
| Memoranda: | ||
| Average total assets | $83,159,000 | 5,491 |
| Average earning assets | $77,864,500 | 5,418 |
| Average equity | $9,777,500 | 5,101 |
| Average total loans | $28,926,000 | 6,375 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 6,678 |
| Cost of funding earning assets | 1.1852% | 4,647 |
| Net interest margin | 3.1815% | 6,309 |
| Noninterest income to average assets | 0.9399% | 1,707 |
| Noninterest expense to average assets | 2.9535% | 4,025 |
| Loan and lease loss provision to assets | 0.0487% | 6,665 |
| Net operating income to assets | 0.8814% | 2,463 |
| Return on assets (ROA) | 0.8862% | 2,578 |
| Pretax return on assets | 0.9287% | 3,164 |
| Return on Equity (ROE) | 7.0859% | 3,074 |
| Retained earnings to average equity (ytd only) | 1.7690% | 4,619 |
| Net charge-offs to loans | -0.2711% | 7,561 |
| Credit loss provision to net charge-offs | -51.3158% | 7,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2308% | 3,157 |
| Assets per employee ($millions) | 3.4658% | 5,015 |
| Cash dividends to net income (ytd only)* | 75.0353% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 2,196 |
| Loan loss allowance to noncurrent loans | 264.7826% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,562 |
| Noncurrent loans to loans | 0.7715% | 5,503 |
| Net loans and leases to total assets | 35.1098% | 7,195 |
| Net loans and leases to deposits | 44.5319% | 7,100 |
| Net loans and leases to core deposits | 48.2464% | 7,058 |
| Total domestic deposits to total assets | 78.8420% | 6,121 |
| Equity capital to assets | 11.6616% | 2,153 |
| Core capital (leverage) ratio | 10.7632% | 2,335 |
| Tier 1 risk-based capital ratio | 22.6163% | 1,088 |
| Total risk-based capital ratio | 23.8702% | 1,072 |
| Memoranda: | ||
| Average total assets | $80,007,200 | 5,594 |
| Average earning assets | $75,091,200 | 5,509 |
| Average equity | $10,005,800 | 5,133 |
| Average total loans | $28,035,000 | 6,495 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 6,684 |
| Cost of funding earning assets | 1.2345% | 4,662 |
| Net interest margin | 3.2286% | 6,256 |
| Noninterest income to average assets | 0.9594% | 1,588 |
| Noninterest expense to average assets | 2.9826% | 3,810 |
| Loan and lease loss provision to assets | 0.0656% | 6,407 |
| Net operating income to assets | 0.8954% | 2,630 |
| Return on assets (ROA) | 0.8954% | 2,779 |
| Pretax return on assets | 0.9443% | 3,391 |
| Return on Equity (ROE) | 7.0353% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.0353% | 1,828 |
| Net charge-offs to loans | -0.3141% | 7,649 |
| Credit loss provision to net charge-offs | -60.0000% | 6,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7049% | 3,196 |
| Assets per employee ($millions) | 3.2835% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 2,016 |
| Loan loss allowance to noncurrent loans | 269.3694% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 6,673 |
| Noncurrent loans to loans | 0.7768% | 5,658 |
| Net loans and leases to total assets | 35.5088% | 7,283 |
| Net loans and leases to deposits | 44.4314% | 7,224 |
| Net loans and leases to core deposits | 48.2965% | 7,189 |
| Total domestic deposits to total assets | 79.9183% | 5,730 |
| Equity capital to assets | 13.2178% | 1,489 |
| Core capital (leverage) ratio | 11.5977% | 1,875 |
| Tier 1 risk-based capital ratio | 24.6247% | 883 |
| Total risk-based capital ratio | 25.8798% | 868 |
| Memoranda: | ||
| Average total assets | $79,214,250 | 5,685 |
| Average earning assets | $74,416,750 | 5,592 |
| Average equity | $10,082,250 | 5,167 |
| Average total loans | $27,590,500 | 6,611 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 6,761 |
| Cost of funding earning assets | 1.2824% | 4,635 |
| Net interest margin | 3.1925% | 6,338 |
| Noninterest income to average assets | 0.9578% | 1,489 |
| Noninterest expense to average assets | 2.9590% | 3,856 |
| Loan and lease loss provision to assets | 0.0605% | 6,345 |
| Net operating income to assets | 0.8872% | 2,597 |
| Return on assets (ROA) | 0.8872% | 2,719 |
| Pretax return on assets | 0.9376% | 3,354 |
| Return on Equity (ROE) | 7.0605% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.0605% | 1,806 |
| Net charge-offs to loans | -0.3008% | 7,689 |
| Credit loss provision to net charge-offs | -58.5366% | 6,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7771% | 3,309 |
| Assets per employee ($millions) | 3.2775% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 2,230 |
| Loan loss allowance to noncurrent loans | 332.7381% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 6,866 |
| Noncurrent loans to loans | 0.5952% | 6,053 |
| Net loans and leases to total assets | 35.1733% | 7,380 |
| Net loans and leases to deposits | 45.7457% | 7,260 |
| Net loans and leases to core deposits | 50.0987% | 7,204 |
| Total domestic deposits to total assets | 76.8888% | 6,531 |
| Equity capital to assets | 13.1148% | 1,525 |
| Core capital (leverage) ratio | 11.3683% | 2,001 |
| Tier 1 risk-based capital ratio | 24.5063% | 893 |
| Total risk-based capital ratio | 25.7587% | 871 |
| Memoranda: | ||
| Average total assets | $79,351,330 | 5,716 |
| Average earning assets | $74,549,330 | 5,623 |
| Average equity | $9,971,000 | 5,210 |
| Average total loans | $27,260,670 | 6,672 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 7,054 |
| Cost of funding earning assets | 1.3536% | 4,465 |
| Net interest margin | 3.0056% | 6,821 |
| Noninterest income to average assets | 0.9436% | 1,471 |
| Noninterest expense to average assets | 2.9662% | 3,799 |
| Loan and lease loss provision to assets | 0.0351% | 6,325 |
| Net operating income to assets | 0.7227% | 3,343 |
| Return on assets (ROA) | 0.7227% | 3,456 |
| Pretax return on assets | 0.7729% | 3,977 |
| Return on Equity (ROE) | 5.8785% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.8785% | 2,679 |
| Net charge-offs to loans | -0.5079% | 7,801 |
| Credit loss provision to net charge-offs | -20.5882% | 5,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5904% | 2,793 |
| Assets per employee ($millions) | 3.3879% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9113% | 2,405 |
| Loan loss allowance to noncurrent loans | 622.0930% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 7,213 |
| Noncurrent loans to loans | 0.3072% | 6,710 |
| Net loans and leases to total assets | 33.7687% | 7,500 |
| Net loans and leases to deposits | 43.0435% | 7,428 |
| Net loans and leases to core deposits | 46.8966% | 7,400 |
| Total domestic deposits to total assets | 78.4526% | 6,213 |
| Equity capital to assets | 12.0380% | 2,022 |
| Core capital (leverage) ratio | 11.1751% | 2,114 |
| Tier 1 risk-based capital ratio | 23.9410% | 974 |
| Total risk-based capital ratio | 25.1937% | 952 |
| Memoranda: | ||
| Average total assets | $79,697,500 | 5,778 |
| Average earning assets | $75,059,000 | 5,667 |
| Average equity | $9,798,500 | 5,293 |
| Average total loans | $26,778,000 | 6,786 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 6,402 |
| Cost of funding earning assets | 1.6101% | 4,986 |
| Net interest margin | 3.4009% | 5,356 |
| Noninterest income to average assets | 1.0039% | 1,557 |
| Noninterest expense to average assets | 3.1544% | 3,529 |
| Loan and lease loss provision to assets | -0.0119% | 7,960 |
| Net operating income to assets | 1.0766% | 1,577 |
| Return on assets (ROA) | 1.0264% | 1,801 |
| Pretax return on assets | 0.9920% | 2,616 |
| Return on Equity (ROE) | 8.1317% | 2,318 |
| Retained earnings to average equity (ytd only) | 2.0408% | 3,680 |
| Net charge-offs to loans | -0.1363% | 7,898 |
| Credit loss provision to net charge-offs | 26.4706% | 6,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3788% | 3,639 |
| Assets per employee ($millions) | 3.2536% | 5,602 |
| Cash dividends to net income (ytd only)* | 74.9035% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9363% | 2,177 |
| Loan loss allowance to noncurrent loans | 466.9811% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 7,039 |
| Noncurrent loans to loans | 0.4146% | 6,449 |
| Net loans and leases to total assets | 32.1043% | 7,654 |
| Net loans and leases to deposits | 42.3986% | 7,560 |
| Net loans and leases to core deposits | 56.9880% | 7,369 |
| Total domestic deposits to total assets | 75.7204% | 6,735 |
| Equity capital to assets | 12.5618% | 1,721 |
| Core capital (leverage) ratio | 11.1798% | 2,120 |
| Tier 1 risk-based capital ratio | 25.0724% | 838 |
| Total risk-based capital ratio | 26.3244% | 813 |
| Memoranda: | ||
| Average total assets | $75,702,800 | 5,847 |
| Average earning assets | $70,804,200 | 5,787 |
| Average equity | $9,555,200 | 5,428 |
| Average total loans | $24,941,600 | 6,919 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0705% | 6,378 |
| Cost of funding earning assets | 1.6440% | 5,190 |
| Net interest margin | 3.4265% | 5,166 |
| Noninterest income to average assets | 0.9657% | 1,719 |
| Noninterest expense to average assets | 3.2291% | 3,194 |
| Loan and lease loss provision to assets | 0.0834% | 6,534 |
| Net operating income to assets | 0.8574% | 2,586 |
| Return on assets (ROA) | 0.8042% | 2,861 |
| Pretax return on assets | 0.8042% | 3,528 |
| Return on Equity (ROE) | 6.3632% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.3632% | 1,784 |
| Net charge-offs to loans | -0.1560% | 7,953 |
| Credit loss provision to net charge-offs | -162.0690% | 7,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4372% | 3,251 |
| Assets per employee ($millions) | 3.1498% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2003% | 1,421 |
| Loan loss allowance to noncurrent loans | 92.6871% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 5,450 |
| Noncurrent loans to loans | 2.3739% | 3,177 |
| Net loans and leases to total assets | 32.0444% | 7,750 |
| Net loans and leases to deposits | 41.1413% | 7,695 |
| Net loans and leases to core deposits | 53.9174% | 7,596 |
| Total domestic deposits to total assets | 77.8887% | 6,116 |
| Equity capital to assets | 13.3660% | 1,547 |
| Core capital (leverage) ratio | 11.6248% | 2,008 |
| Tier 1 risk-based capital ratio | 26.3348% | 797 |
| Total risk-based capital ratio | 27.5905% | 778 |
| Memoranda: | ||
| Average total assets | $75,107,000 | 5,905 |
| Average earning assets | $70,234,250 | 5,833 |
| Average equity | $9,491,750 | 5,488 |
| Average total loans | $24,786,000 | 6,992 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 6,347 |
| Cost of funding earning assets | 1.6747% | 5,390 |
| Net interest margin | 3.4465% | 4,997 |
| Noninterest income to average assets | 0.9420% | 1,790 |
| Noninterest expense to average assets | 3.2878% | 3,008 |
| Loan and lease loss provision to assets | 0.0801% | 6,388 |
| Net operating income to assets | 0.7926% | 2,880 |
| Return on assets (ROA) | 0.7552% | 3,129 |
| Pretax return on assets | 0.7552% | 3,817 |
| Return on Equity (ROE) | 6.0941% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.0941% | 1,971 |
| Net charge-offs to loans | -0.2178% | 8,037 |
| Credit loss provision to net charge-offs | -111.1111% | 6,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0250% | 3,191 |
| Assets per employee ($millions) | 3.1708% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 1,387 |
| Loan loss allowance to noncurrent loans | 379.1367% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 6,117 |
| Noncurrent loans to loans | 0.5547% | 6,157 |
| Net loans and leases to total assets | 32.2387% | 7,829 |
| Net loans and leases to deposits | 41.6987% | 7,765 |
| Net loans and leases to core deposits | 54.3619% | 7,649 |
| Total domestic deposits to total assets | 77.3135% | 6,252 |
| Equity capital to assets | 12.4156% | 1,965 |
| Core capital (leverage) ratio | 11.3689% | 2,155 |
| Tier 1 risk-based capital ratio | 25.2170% | 924 |
| Total risk-based capital ratio | 26.4692% | 903 |
| Memoranda: | ||
| Average total assets | $74,944,330 | 5,947 |
| Average earning assets | $69,984,330 | 5,884 |
| Average equity | $9,287,670 | 5,587 |
| Average total loans | $24,791,670 | 7,043 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 6,390 |
| Cost of funding earning assets | 1.6719% | 5,730 |
| Net interest margin | 3.5042% | 4,715 |
| Noninterest income to average assets | 0.9251% | 1,756 |
| Noninterest expense to average assets | 3.2165% | 2,914 |
| Loan and lease loss provision to assets | 0.0807% | 5,935 |
| Net operating income to assets | 0.9198% | 2,620 |
| Return on assets (ROA) | 0.8767% | 2,954 |
| Pretax return on assets | 0.8767% | 3,808 |
| Return on Equity (ROE) | 7.0812% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.0812% | 2,181 |
| Net charge-offs to loans | -0.3244% | 8,076 |
| Credit loss provision to net charge-offs | -75.0000% | 6,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2755% | 3,443 |
| Assets per employee ($millions) | 3.1848% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 1,458 |
| Loan loss allowance to noncurrent loans | 293.6047% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 6,317 |
| Noncurrent loans to loans | 0.6755% | 5,716 |
| Net loans and leases to total assets | 32.6500% | 7,847 |
| Net loans and leases to deposits | 41.8500% | 7,787 |
| Net loans and leases to core deposits | 53.2599% | 7,697 |
| Total domestic deposits to total assets | 78.0166% | 6,012 |
| Equity capital to assets | 12.3621% | 2,050 |
| Core capital (leverage) ratio | 11.5276% | 2,129 |
| Tier 1 risk-based capital ratio | 24.6856% | 1,007 |
| Total risk-based capital ratio | 25.9373% | 988 |
| Memoranda: | ||
| Average total assets | $74,367,500 | 5,989 |
| Average earning assets | $69,859,000 | 5,917 |
| Average equity | $9,207,500 | 5,627 |
| Average total loans | $24,657,500 | 7,088 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7203% | 6,710 |
| Cost of funding earning assets | 2.3411% | 4,965 |
| Net interest margin | 3.3792% | 5,746 |
| Noninterest income to average assets | 0.9467% | 1,782 |
| Noninterest expense to average assets | 3.4285% | 2,588 |
| Loan and lease loss provision to assets | -0.4983% | 8,296 |
| Net operating income to assets | 1.1681% | 1,882 |
| Return on assets (ROA) | 0.7954% | 3,295 |
| Pretax return on assets | 0.7954% | 4,093 |
| Return on Equity (ROE) | 6.4389% | 3,782 |
| Retained earnings to average equity (ytd only) | 1.6184% | 4,238 |
| Net charge-offs to loans | -0.3391% | 8,202 |
| Credit loss provision to net charge-offs | 465.3333% | 948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6585% | 2,097 |
| Assets per employee ($millions) | 3.0125% | 6,028 |
| Cash dividends to net income (ytd only)* | 74.8654% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 1,282 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 5,901 |
| Noncurrent loans to loans | 1.1822% | 4,154 |
| Net loans and leases to total assets | 32.3430% | 7,931 |
| Net loans and leases to deposits | 41.9836% | 7,896 |
| Net loans and leases to core deposits | 53.0490% | 7,824 |
| Total domestic deposits to total assets | 77.0373% | 5,977 |
| Equity capital to assets | 12.4011% | 2,065 |
| Core capital (leverage) ratio | 11.9579% | 1,985 |
| Tier 1 risk-based capital ratio | 25.8718% | 914 |
| Total risk-based capital ratio | 27.1228% | 891 |
| Memoranda: | ||
| Average total assets | $70,031,200 | 6,039 |
| Average earning assets | $65,311,800 | 5,984 |
| Average equity | $8,650,600 | 5,859 |
| Average total loans | $22,118,200 | 7,185 |