Home > Bank Star of the BootHeel > Performance and Condition Ratios
Bank Star of the BootHeel, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 600 |
| Cost of funding earning assets | 0.3630% | 3,623 |
| Net interest margin | 4.6513% | 497 |
| Noninterest income to average assets | 0.9317% | 1,369 |
| Noninterest expense to average assets | 3.8380% | 810 |
| Loan and lease loss provision to assets | 0.1253% | 1,805 |
| Net operating income to assets | 0.7969% | 3,440 |
| Return on assets (ROA) | 0.7381% | 3,832 |
| Pretax return on assets | 1.1587% | 2,983 |
| Return on Equity (ROE) | 7.9161% | 3,119 |
| Retained earnings to average equity (ytd only) | 1.9417% | 4,911 |
| Net charge-offs to loans | 0.2213% | 1,179 |
| Credit loss provision to net charge-offs | 72.5806% | 2,720 |
| Earnings coverage of net charge-offs (x) | 7.9677% | 2,859 |
| Efficiency ratio | 73.6111% | 2,620 |
| Assets per employee ($millions) | 2.8085% | 5,751 |
| Cash dividends to net income (ytd only)* | 75.4716% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 4,519 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,638 |
| Noncurrent loans to loans | 0.0453% | 5,438 |
| Net loans and leases to total assets | 80.0816% | 815 |
| Net loans and leases to deposits | 100.2215% | 648 |
| Net loans and leases to core deposits | 117.2885% | 551 |
| Total domestic deposits to total assets | 79.9046% | 4,771 |
| Equity capital to assets | 9.2822% | 5,023 |
| Core capital (leverage) ratio | 9.1993% | 4,729 |
| Tier 1 risk-based capital ratio | 13.0983% | 4,376 |
| Total risk-based capital ratio | 14.2872% | 4,327 |
| Memoranda: | ||
| Average total assets | $95,740,750 | 4,598 |
| Average earning assets | $88,146,000 | 4,586 |
| Average equity | $8,926,750 | 4,925 |
| Average total loans | $74,701,500 | 4,019 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 665 |
| Cost of funding earning assets | 0.3613% | 3,679 |
| Net interest margin | 4.5804% | 546 |
| Noninterest income to average assets | 0.9358% | 1,342 |
| Noninterest expense to average assets | 3.8740% | 794 |
| Loan and lease loss provision to assets | 0.1265% | 1,753 |
| Net operating income to assets | 0.7398% | 3,686 |
| Return on assets (ROA) | 0.7398% | 3,796 |
| Pretax return on assets | 1.1571% | 2,946 |
| Return on Equity (ROE) | 7.9224% | 3,101 |
| Retained earnings to average equity (ytd only) | -1.1060% | 5,706 |
| Net charge-offs to loans | 0.2819% | 934 |
| Credit loss provision to net charge-offs | 58.2524% | 2,607 |
| Earnings coverage of net charge-offs (x) | 5.9126% | 2,862 |
| Efficiency ratio | 75.1124% | 2,526 |
| Assets per employee ($millions) | 2.9643% | 5,634 |
| Cash dividends to net income (ytd only)* | 113.9601% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 4,502 |
| Loan loss allowance to noncurrent loans | 1,342.6230% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 5,615 |
| Noncurrent loans to loans | 0.0795% | 5,417 |
| Net loans and leases to total assets | 77.5912% | 1,123 |
| Net loans and leases to deposits | 92.7376% | 1,279 |
| Net loans and leases to core deposits | 110.5010% | 810 |
| Total domestic deposits to total assets | 83.6674% | 3,707 |
| Equity capital to assets | 9.0878% | 5,158 |
| Core capital (leverage) ratio | 9.3351% | 4,509 |
| Tier 1 risk-based capital ratio | 13.4085% | 4,270 |
| Total risk-based capital ratio | 14.6363% | 4,214 |
| Memoranda: | ||
| Average total assets | $94,889,000 | 4,660 |
| Average earning assets | $87,460,000 | 4,643 |
| Average equity | $8,861,000 | 4,970 |
| Average total loans | $73,087,000 | 4,083 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 678 |
| Cost of funding earning assets | 0.3477% | 3,884 |
| Net interest margin | 4.5670% | 537 |
| Noninterest income to average assets | 0.8777% | 1,465 |
| Noninterest expense to average assets | 3.9991% | 696 |
| Loan and lease loss provision to assets | 0.1284% | 1,617 |
| Net operating income to assets | 0.6208% | 4,192 |
| Return on assets (ROA) | 0.6208% | 4,287 |
| Pretax return on assets | 0.9677% | 3,620 |
| Return on Equity (ROE) | 6.5563% | 3,732 |
| Retained earnings to average equity (ytd only) | -11.5300% | 6,168 |
| Net charge-offs to loans | 0.0505% | 2,279 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 28.4444% | 1,183 |
| Efficiency ratio | 78.4874% | 2,117 |
| Assets per employee ($millions) | 2.6758% | 5,986 |
| Cash dividends to net income (ytd only)* | 275.8621% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 3,862 |
| Loan loss allowance to noncurrent loans | 1,802.0408% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 5,565 |
| Noncurrent loans to loans | 0.0675% | 5,505 |
| Net loans and leases to total assets | 76.5242% | 1,134 |
| Net loans and leases to deposits | 84.9117% | 1,963 |
| Net loans and leases to core deposits | 98.9903% | 1,395 |
| Total domestic deposits to total assets | 90.1222% | 688 |
| Equity capital to assets | 9.3055% | 4,955 |
| Core capital (leverage) ratio | 9.3295% | 4,522 |
| Tier 1 risk-based capital ratio | 13.7123% | 4,210 |
| Total risk-based capital ratio | 14.9645% | 4,118 |
| Memoranda: | ||
| Average total assets | $93,422,000 | 4,738 |
| Average earning assets | $86,271,500 | 4,711 |
| Average equity | $8,846,500 | 5,025 |
| Average total loans | $71,270,000 | 4,152 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 843 |
| Cost of funding earning assets | 0.3814% | 3,891 |
| Net interest margin | 4.5765% | 645 |
| Noninterest income to average assets | 0.9089% | 1,471 |
| Noninterest expense to average assets | 3.6815% | 1,184 |
| Loan and lease loss provision to assets | -0.1796% | 6,270 |
| Net operating income to assets | 1.0137% | 2,322 |
| Return on assets (ROA) | 1.0137% | 2,400 |
| Pretax return on assets | 1.5854% | 1,281 |
| Return on Equity (ROE) | 11.7259% | 1,487 |
| Retained earnings to average equity (ytd only) | 4.8011% | 2,758 |
| Net charge-offs to loans | 0.2245% | 1,869 |
| Credit loss provision to net charge-offs | -108.4337% | 5,535 |
| Earnings coverage of net charge-offs (x) | 8.4880% | 2,871 |
| Efficiency ratio | 72.3671% | 3,144 |
| Assets per employee ($millions) | 2.4524% | 6,188 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 3,812 |
| Loan loss allowance to noncurrent loans | 888.6598% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 5,263 |
| Noncurrent loans to loans | 0.1386% | 5,341 |
| Net loans and leases to total assets | 74.1786% | 1,557 |
| Net loans and leases to deposits | 82.6562% | 2,392 |
| Net loans and leases to core deposits | 95.2582% | 1,782 |
| Total domestic deposits to total assets | 89.7435% | 855 |
| Equity capital to assets | 9.6341% | 4,549 |
| Core capital (leverage) ratio | 9.0234% | 4,959 |
| Tier 1 risk-based capital ratio | 14.2574% | 3,928 |
| Total risk-based capital ratio | 15.5089% | 3,855 |
| Memoranda: | ||
| Average total assets | $100,229,600 | 4,592 |
| Average earning assets | $91,511,400 | 4,615 |
| Average equity | $8,664,600 | 5,049 |
| Average total loans | $73,928,400 | 4,059 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 936 |
| Cost of funding earning assets | 0.3781% | 4,043 |
| Net interest margin | 4.5183% | 710 |
| Noninterest income to average assets | 0.8942% | 1,541 |
| Noninterest expense to average assets | 3.5702% | 1,347 |
| Loan and lease loss provision to assets | -0.2745% | 6,443 |
| Net operating income to assets | 1.0785% | 2,120 |
| Return on assets (ROA) | 1.0785% | 2,183 |
| Pretax return on assets | 1.7073% | 1,051 |
| Return on Equity (ROE) | 12.8108% | 1,265 |
| Retained earnings to average equity (ytd only) | 5.8231% | 2,517 |
| Net charge-offs to loans | 0.2260% | 1,689 |
| Credit loss provision to net charge-offs | -165.3543% | 5,525 |
| Earnings coverage of net charge-offs (x) | 8.6299% | 2,770 |
| Efficiency ratio | 71.3614% | 3,287 |
| Assets per employee ($millions) | 2.7303% | 6,053 |
| Cash dividends to net income (ytd only)* | 54.5460% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,034 |
| Loan loss allowance to noncurrent loans | 463.2979% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 5,511 |
| Noncurrent loans to loans | 0.2245% | 5,223 |
| Net loans and leases to total assets | 75.8866% | 1,241 |
| Net loans and leases to deposits | 95.3486% | 930 |
| Net loans and leases to core deposits | 116.8563% | 471 |
| Total domestic deposits to total assets | 79.5885% | 5,200 |
| Equity capital to assets | 8.1456% | 6,046 |
| Core capital (leverage) ratio | 8.5327% | 5,620 |
| Tier 1 risk-based capital ratio | 12.0545% | 5,451 |
| Total risk-based capital ratio | 13.2189% | 5,422 |
| Memoranda: | ||
| Average total assets | $101,989,500 | 4,602 |
| Average earning assets | $92,746,000 | 4,633 |
| Average equity | $8,586,250 | 5,110 |
| Average total loans | $74,913,250 | 4,056 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 991 |
| Cost of funding earning assets | 0.3813% | 4,089 |
| Net interest margin | 4.4674% | 756 |
| Noninterest income to average assets | 0.8937% | 1,515 |
| Noninterest expense to average assets | 3.6473% | 1,213 |
| Loan and lease loss provision to assets | 0.1205% | 2,043 |
| Net operating income to assets | 0.7532% | 3,549 |
| Return on assets (ROA) | 0.7532% | 3,649 |
| Pretax return on assets | 1.1729% | 2,790 |
| Return on Equity (ROE) | 8.8412% | 2,670 |
| Retained earnings to average equity (ytd only) | 1.7682% | 5,014 |
| Net charge-offs to loans | 0.1000% | 2,679 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 17.8889% | 1,708 |
| Efficiency ratio | 73.8211% | 3,004 |
| Assets per employee ($millions) | 2.9647% | 5,801 |
| Cash dividends to net income (ytd only)* | 80.0000% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 2,569 |
| Loan loss allowance to noncurrent loans | 500.8130% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 5,323 |
| Noncurrent loans to loans | 0.3141% | 5,070 |
| Net loans and leases to total assets | 74.2967% | 1,399 |
| Net loans and leases to deposits | 89.4819% | 1,420 |
| Net loans and leases to core deposits | 106.6514% | 860 |
| Total domestic deposits to total assets | 83.0299% | 4,297 |
| Equity capital to assets | 8.2860% | 5,958 |
| Core capital (leverage) ratio | 8.8141% | 5,261 |
| Tier 1 risk-based capital ratio | 12.5850% | 5,170 |
| Total risk-based capital ratio | 13.8412% | 5,097 |
| Memoranda: | ||
| Average total assets | $99,581,670 | 4,691 |
| Average earning assets | $90,209,670 | 4,723 |
| Average equity | $8,483,000 | 5,160 |
| Average total loans | $71,968,000 | 4,163 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 1,015 |
| Cost of funding earning assets | 0.3825% | 4,164 |
| Net interest margin | 4.4311% | 754 |
| Noninterest income to average assets | 0.8739% | 1,474 |
| Noninterest expense to average assets | 3.6517% | 1,210 |
| Loan and lease loss provision to assets | 0.1231% | 1,958 |
| Net operating income to assets | 0.7057% | 3,657 |
| Return on assets (ROA) | 0.7057% | 3,734 |
| Pretax return on assets | 1.0914% | 2,950 |
| Return on Equity (ROE) | 8.1657% | 2,858 |
| Retained earnings to average equity (ytd only) | 1.0444% | 5,181 |
| Net charge-offs to loans | 0.1163% | 2,026 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,583 |
| Efficiency ratio | 75.0422% | 2,962 |
| Assets per employee ($millions) | 2.4885% | 6,373 |
| Cash dividends to net income (ytd only)* | 87.2093% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 2,169 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 4,708 |
| Noncurrent loans to loans | 0.6660% | 4,198 |
| Net loans and leases to total assets | 70.2201% | 1,850 |
| Net loans and leases to deposits | 77.3843% | 2,643 |
| Net loans and leases to core deposits | 89.4850% | 1,959 |
| Total domestic deposits to total assets | 90.7421% | 672 |
| Equity capital to assets | 8.7118% | 5,437 |
| Core capital (leverage) ratio | 8.8997% | 5,141 |
| Tier 1 risk-based capital ratio | 13.8726% | 4,415 |
| Total risk-based capital ratio | 15.1312% | 4,359 |
| Memoranda: | ||
| Average total assets | $97,490,000 | 4,785 |
| Average earning assets | $87,833,000 | 4,826 |
| Average equity | $8,425,500 | 5,195 |
| Average total loans | $68,789,000 | 4,305 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 760 |
| Cost of funding earning assets | 0.4108% | 4,533 |
| Net interest margin | 4.6901% | 517 |
| Noninterest income to average assets | 0.8841% | 1,738 |
| Noninterest expense to average assets | 3.5643% | 1,522 |
| Loan and lease loss provision to assets | 0.0797% | 3,513 |
| Net operating income to assets | 1.0057% | 2,305 |
| Return on assets (ROA) | 1.0057% | 2,365 |
| Pretax return on assets | 1.5868% | 1,202 |
| Return on Equity (ROE) | 12.1990% | 1,357 |
| Retained earnings to average equity (ytd only) | 4.9449% | 2,632 |
| Net charge-offs to loans | 0.1877% | 2,964 |
| Credit loss provision to net charge-offs | 58.3942% | 3,611 |
| Earnings coverage of net charge-offs (x) | 12.2044% | 2,153 |
| Efficiency ratio | 68.1402% | 4,170 |
| Assets per employee ($millions) | 2.2774% | 6,532 |
| Cash dividends to net income (ytd only)* | 59.4648% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 2,160 |
| Loan loss allowance to noncurrent loans | 1,088.2883% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 5,992 |
| Noncurrent loans to loans | 0.1627% | 5,708 |
| Net loans and leases to total assets | 68.4197% | 2,278 |
| Net loans and leases to deposits | 75.1691% | 3,072 |
| Net loans and leases to core deposits | 87.1990% | 2,325 |
| Total domestic deposits to total assets | 91.0210% | 559 |
| Equity capital to assets | 8.5736% | 5,500 |
| Core capital (leverage) ratio | 8.4707% | 5,702 |
| Tier 1 risk-based capital ratio | 13.6985% | 4,521 |
| Total risk-based capital ratio | 14.9571% | 4,459 |
| Memoranda: | ||
| Average total assets | $100,327,000 | 4,732 |
| Average earning assets | $92,983,200 | 4,700 |
| Average equity | $8,271,200 | 5,269 |
| Average total loans | $73,004,600 | 4,164 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 909 |
| Cost of funding earning assets | 0.4070% | 4,766 |
| Net interest margin | 4.6114% | 609 |
| Noninterest income to average assets | 0.8825% | 1,813 |
| Noninterest expense to average assets | 3.5021% | 1,609 |
| Loan and lease loss provision to assets | 0.1348% | 2,592 |
| Net operating income to assets | 0.9948% | 2,396 |
| Return on assets (ROA) | 0.9948% | 2,483 |
| Pretax return on assets | 1.5707% | 1,412 |
| Return on Equity (ROE) | 12.1841% | 1,424 |
| Retained earnings to average equity (ytd only) | 4.9028% | 3,149 |
| Net charge-offs to loans | 0.1402% | 3,137 |
| Credit loss provision to net charge-offs | 130.7692% | 1,807 |
| Earnings coverage of net charge-offs (x) | 16.5509% | 1,797 |
| Efficiency ratio | 67.2501% | 4,246 |
| Assets per employee ($millions) | 2.4921% | 6,483 |
| Cash dividends to net income (ytd only)* | 59.7617% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 3,089 |
| Loan loss allowance to noncurrent loans | 1,227.6190% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 6,144 |
| Noncurrent loans to loans | 0.1288% | 5,933 |
| Net loans and leases to total assets | 74.8598% | 1,149 |
| Net loans and leases to deposits | 91.2430% | 1,042 |
| Net loans and leases to core deposits | 108.6743% | 637 |
| Total domestic deposits to total assets | 82.0444% | 4,915 |
| Equity capital to assets | 7.7138% | 6,303 |
| Core capital (leverage) ratio | 8.1898% | 6,073 |
| Tier 1 risk-based capital ratio | 11.8749% | 5,861 |
| Total risk-based capital ratio | 13.1311% | 5,796 |
| Memoranda: | ||
| Average total assets | $100,926,750 | 4,765 |
| Average earning assets | $94,662,250 | 4,703 |
| Average equity | $8,240,000 | 5,328 |
| Average total loans | $74,203,250 | 4,144 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9514% | 993 |
| Cost of funding earning assets | 0.4173% | 4,781 |
| Net interest margin | 4.5341% | 669 |
| Noninterest income to average assets | 0.9024% | 1,805 |
| Noninterest expense to average assets | 3.5468% | 1,509 |
| Loan and lease loss provision to assets | 0.1457% | 2,518 |
| Net operating income to assets | 0.9348% | 2,645 |
| Return on assets (ROA) | 0.9348% | 2,779 |
| Pretax return on assets | 1.4750% | 1,696 |
| Return on Equity (ROE) | 11.2254% | 1,740 |
| Retained earnings to average equity (ytd only) | 3.9362% | 3,790 |
| Net charge-offs to loans | 0.1031% | 3,330 |
| Credit loss provision to net charge-offs | 194.5946% | 1,217 |
| Earnings coverage of net charge-offs (x) | 21.6486% | 1,407 |
| Efficiency ratio | 68.6374% | 4,072 |
| Assets per employee ($millions) | 2.5398% | 6,461 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 2,895 |
| Loan loss allowance to noncurrent loans | 915.4930% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 6,073 |
| Noncurrent loans to loans | 0.1825% | 5,860 |
| Net loans and leases to total assets | 75.3007% | 1,068 |
| Net loans and leases to deposits | 84.9374% | 1,693 |
| Net loans and leases to core deposits | 101.6274% | 966 |
| Total domestic deposits to total assets | 88.6544% | 1,806 |
| Equity capital to assets | 8.0116% | 6,188 |
| Core capital (leverage) ratio | 8.4040% | 5,768 |
| Tier 1 risk-based capital ratio | 12.3195% | 5,613 |
| Total risk-based capital ratio | 13.5773% | 5,556 |
| Memoranda: | ||
| Average total assets | $98,849,330 | 4,846 |
| Average earning assets | $92,983,670 | 4,778 |
| Average equity | $8,231,330 | 5,373 |
| Average total loans | $71,768,330 | 4,247 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 1,130 |
| Cost of funding earning assets | 0.4307% | 4,798 |
| Net interest margin | 4.4502% | 734 |
| Noninterest income to average assets | 0.9192% | 1,693 |
| Noninterest expense to average assets | 3.5331% | 1,555 |
| Loan and lease loss provision to assets | 0.1477% | 2,401 |
| Net operating income to assets | 0.9151% | 2,584 |
| Return on assets (ROA) | 0.9151% | 2,731 |
| Pretax return on assets | 1.4362% | 1,752 |
| Return on Equity (ROE) | 10.7762% | 1,767 |
| Retained earnings to average equity (ytd only) | 3.5276% | 4,127 |
| Net charge-offs to loans | 0.0698% | 3,142 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 32.1667% | 929 |
| Efficiency ratio | 69.0457% | 4,139 |
| Assets per employee ($millions) | 2.4472% | 6,626 |
| Cash dividends to net income (ytd only)* | 67.2646% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 2,521 |
| Loan loss allowance to noncurrent loans | 704.3716% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 6,010 |
| Noncurrent loans to loans | 0.2594% | 5,760 |
| Net loans and leases to total assets | 70.7520% | 1,550 |
| Net loans and leases to deposits | 77.8046% | 2,364 |
| Net loans and leases to core deposits | 90.4103% | 1,663 |
| Total domestic deposits to total assets | 90.9355% | 549 |
| Equity capital to assets | 8.4812% | 6,036 |
| Core capital (leverage) ratio | 8.4128% | 5,690 |
| Tier 1 risk-based capital ratio | 13.1014% | 5,146 |
| Total risk-based capital ratio | 14.3617% | 5,090 |
| Memoranda: | ||
| Average total assets | $97,479,000 | 4,916 |
| Average earning assets | $91,950,500 | 4,843 |
| Average equity | $8,277,500 | 5,419 |
| Average total loans | $68,753,500 | 4,385 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4556% | 680 |
| Cost of funding earning assets | 0.6079% | 4,268 |
| Net interest margin | 4.8477% | 500 |
| Noninterest income to average assets | 0.9459% | 1,718 |
| Noninterest expense to average assets | 3.4905% | 1,830 |
| Loan and lease loss provision to assets | 0.2287% | 2,845 |
| Net operating income to assets | 1.0857% | 1,990 |
| Return on assets (ROA) | 1.1309% | 2,007 |
| Pretax return on assets | 1.7983% | 926 |
| Return on Equity (ROE) | 13.3651% | 1,139 |
| Retained earnings to average equity (ytd only) | 2.9236% | 4,169 |
| Net charge-offs to loans | 0.1239% | 4,439 |
| Credit loss provision to net charge-offs | 241.7582% | 1,029 |
| Earnings coverage of net charge-offs (x) | 20.6813% | 1,340 |
| Efficiency ratio | 63.8931% | 4,902 |
| Assets per employee ($millions) | 2.6235% | 6,516 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,323 |
| Loan loss allowance to noncurrent loans | 645.4082% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 6,054 |
| Noncurrent loans to loans | 0.2927% | 5,748 |
| Net loans and leases to total assets | 67.6783% | 2,244 |
| Net loans and leases to deposits | 74.3538% | 3,044 |
| Net loans and leases to core deposits | 87.8160% | 2,109 |
| Total domestic deposits to total assets | 91.0220% | 485 |
| Equity capital to assets | 8.5020% | 6,054 |
| Core capital (leverage) ratio | 8.1867% | 6,015 |
| Tier 1 risk-based capital ratio | 13.8968% | 4,450 |
| Total risk-based capital ratio | 15.1577% | 4,409 |
| Memoranda: | ||
| Average total assets | $96,203,200 | 4,932 |
| Average earning assets | $89,321,000 | 4,890 |
| Average equity | $8,140,600 | 5,460 |
| Average total loans | $73,420,200 | 4,226 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 637 |
| Cost of funding earning assets | 0.6364% | 4,306 |
| Net interest margin | 4.8973% | 474 |
| Noninterest income to average assets | 0.9584% | 1,644 |
| Noninterest expense to average assets | 3.4101% | 1,979 |
| Loan and lease loss provision to assets | 0.2223% | 2,840 |
| Net operating income to assets | 1.1689% | 1,833 |
| Return on assets (ROA) | 1.2293% | 1,808 |
| Pretax return on assets | 1.9530% | 773 |
| Return on Equity (ROE) | 14.5451% | 990 |
| Retained earnings to average equity (ytd only) | 3.8623% | 4,175 |
| Net charge-offs to loans | 0.1191% | 4,182 |
| Credit loss provision to net charge-offs | 238.8060% | 1,158 |
| Earnings coverage of net charge-offs (x) | 22.3584% | 1,358 |
| Efficiency ratio | 61.8518% | 5,174 |
| Assets per employee ($millions) | 2.7838% | 6,375 |
| Cash dividends to net income (ytd only)* | 73.4468% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 3,854 |
| Loan loss allowance to noncurrent loans | 813.9073% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 6,323 |
| Noncurrent loans to loans | 0.1870% | 6,144 |
| Net loans and leases to total assets | 81.6152% | 378 |
| Net loans and leases to deposits | 90.3012% | 1,111 |
| Net loans and leases to core deposits | 111.8848% | 500 |
| Total domestic deposits to total assets | 90.3812% | 639 |
| Equity capital to assets | 8.4950% | 6,263 |
| Core capital (leverage) ratio | 8.4423% | 5,832 |
| Tier 1 risk-based capital ratio | 11.3579% | 6,324 |
| Total risk-based capital ratio | 12.6139% | 6,281 |
| Memoranda: | ||
| Average total assets | $95,986,250 | 4,989 |
| Average earning assets | $88,836,000 | 4,945 |
| Average equity | $8,112,500 | 5,524 |
| Average total loans | $75,035,000 | 4,229 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 802 |
| Cost of funding earning assets | 0.6498% | 4,444 |
| Net interest margin | 4.7974% | 563 |
| Noninterest income to average assets | 0.9089% | 1,753 |
| Noninterest expense to average assets | 3.3632% | 2,118 |
| Loan and lease loss provision to assets | 0.2094% | 2,985 |
| Net operating income to assets | 1.1277% | 1,954 |
| Return on assets (ROA) | 1.2188% | 1,842 |
| Pretax return on assets | 1.9162% | 823 |
| Return on Equity (ROE) | 14.4459% | 1,022 |
| Retained earnings to average equity (ytd only) | 3.2764% | 4,430 |
| Net charge-offs to loans | 0.1176% | 3,997 |
| Credit loss provision to net charge-offs | 232.5581% | 1,224 |
| Earnings coverage of net charge-offs (x) | 22.0233% | 1,322 |
| Efficiency ratio | 62.5147% | 5,163 |
| Assets per employee ($millions) | 2.7648% | 6,456 |
| Cash dividends to net income (ytd only)* | 77.3196% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,930 |
| Loan loss allowance to noncurrent loans | 828.4722% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 6,060 |
| Noncurrent loans to loans | 0.1832% | 6,219 |
| Net loans and leases to total assets | 80.0004% | 512 |
| Net loans and leases to deposits | 87.6865% | 1,398 |
| Net loans and leases to core deposits | 107.2855% | 693 |
| Total domestic deposits to total assets | 91.2346% | 375 |
| Equity capital to assets | 8.4357% | 6,268 |
| Core capital (leverage) ratio | 8.5166% | 5,630 |
| Tier 1 risk-based capital ratio | 11.5315% | 6,196 |
| Total risk-based capital ratio | 12.7874% | 6,173 |
| Memoranda: | ||
| Average total assets | $95,503,670 | 5,020 |
| Average earning assets | $88,338,670 | 4,984 |
| Average equity | $8,057,670 | 5,553 |
| Average total loans | $73,130,000 | 4,311 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3477% | 1,013 |
| Cost of funding earning assets | 0.6565% | 4,669 |
| Net interest margin | 4.6912% | 693 |
| Noninterest income to average assets | 0.8728% | 1,860 |
| Noninterest expense to average assets | 3.2507% | 2,433 |
| Loan and lease loss provision to assets | 0.1686% | 3,284 |
| Net operating income to assets | 1.1362% | 1,936 |
| Return on assets (ROA) | 1.3197% | 1,570 |
| Pretax return on assets | 2.0786% | 656 |
| Return on Equity (ROE) | 15.6402% | 861 |
| Retained earnings to average equity (ytd only) | 3.1480% | 4,679 |
| Net charge-offs to loans | -0.0852% | 6,732 |
| Credit loss provision to net charge-offs | -266.6667% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8123% | 5,306 |
| Assets per employee ($millions) | 2.8583% | 6,421 |
| Cash dividends to net income (ytd only)* | 79.8722% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 3,436 |
| Loan loss allowance to noncurrent loans | 285.6115% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 5,439 |
| Noncurrent loans to loans | 0.5873% | 5,489 |
| Net loans and leases to total assets | 74.0090% | 1,064 |
| Net loans and leases to deposits | 81.4023% | 2,006 |
| Net loans and leases to core deposits | 94.2473% | 1,446 |
| Total domestic deposits to total assets | 90.9176% | 595 |
| Equity capital to assets | 8.4357% | 6,141 |
| Core capital (leverage) ratio | 8.5001% | 5,589 |
| Tier 1 risk-based capital ratio | 12.4521% | 5,644 |
| Total risk-based capital ratio | 13.7089% | 5,604 |
| Memoranda: | ||
| Average total assets | $94,872,000 | 5,073 |
| Average earning assets | $87,739,000 | 5,034 |
| Average equity | $8,005,000 | 5,594 |
| Average total loans | $70,391,500 | 4,436 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8247% | 607 |
| Cost of funding earning assets | 0.8341% | 4,596 |
| Net interest margin | 4.9906% | 418 |
| Noninterest income to average assets | 0.9727% | 1,442 |
| Noninterest expense to average assets | 3.5793% | 1,784 |
| Loan and lease loss provision to assets | 0.4359% | 2,415 |
| Net operating income to assets | 0.9993% | 2,199 |
| Return on assets (ROA) | 0.9993% | 2,344 |
| Pretax return on assets | 1.5754% | 1,262 |
| Return on Equity (ROE) | 11.7996% | 1,466 |
| Retained earnings to average equity (ytd only) | 1.1297% | 5,331 |
| Net charge-offs to loans | 0.4069% | 3,388 |
| Credit loss provision to net charge-offs | 134.8684% | 2,231 |
| Earnings coverage of net charge-offs (x) | 6.2237% | 2,558 |
| Efficiency ratio | 63.4531% | 5,221 |
| Assets per employee ($millions) | 2.8064% | 6,447 |
| Cash dividends to net income (ytd only)* | 90.4255% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 3,474 |
| Loan loss allowance to noncurrent loans | 221.0117% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 5,452 |
| Noncurrent loans to loans | 0.7366% | 5,225 |
| Net loans and leases to total assets | 71.9427% | 1,654 |
| Net loans and leases to deposits | 78.9945% | 2,682 |
| Net loans and leases to core deposits | 90.4774% | 2,061 |
| Total domestic deposits to total assets | 91.0731% | 480 |
| Equity capital to assets | 8.4396% | 6,209 |
| Core capital (leverage) ratio | 8.2324% | 5,949 |
| Tier 1 risk-based capital ratio | 12.5208% | 5,428 |
| Total risk-based capital ratio | 13.7771% | 5,413 |
| Memoranda: | ||
| Average total assets | $94,068,600 | 5,073 |
| Average earning assets | $87,043,800 | 5,023 |
| Average equity | $7,966,400 | 5,579 |
| Average total loans | $74,718,800 | 4,325 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8250% | 668 |
| Cost of funding earning assets | 0.8617% | 4,692 |
| Net interest margin | 4.9633% | 447 |
| Noninterest income to average assets | 0.9673% | 1,431 |
| Noninterest expense to average assets | 3.5974% | 1,715 |
| Loan and lease loss provision to assets | 0.4267% | 2,338 |
| Net operating income to assets | 0.9872% | 2,370 |
| Return on assets (ROA) | 0.9872% | 2,522 |
| Pretax return on assets | 1.5477% | 1,525 |
| Return on Equity (ROE) | 11.6468% | 1,635 |
| Retained earnings to average equity (ytd only) | 0.7385% | 5,717 |
| Net charge-offs to loans | 0.2598% | 3,807 |
| Credit loss provision to net charge-offs | 202.7027% | 1,445 |
| Earnings coverage of net charge-offs (x) | 9.3783% | 2,058 |
| Efficiency ratio | 63.9775% | 5,074 |
| Assets per employee ($millions) | 2.8894% | 6,332 |
| Cash dividends to net income (ytd only)* | 93.6605% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 4,446 |
| Loan loss allowance to noncurrent loans | 95.0161% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 4,223 |
| Noncurrent loans to loans | 1.4989% | 4,044 |
| Net loans and leases to total assets | 80.8977% | 432 |
| Net loans and leases to deposits | 99.2840% | 499 |
| Net loans and leases to core deposits | 118.4928% | 431 |
| Total domestic deposits to total assets | 81.4811% | 5,264 |
| Equity capital to assets | 7.9364% | 6,736 |
| Core capital (leverage) ratio | 8.0995% | 6,284 |
| Tier 1 risk-based capital ratio | 10.6246% | 6,726 |
| Total risk-based capital ratio | 11.8787% | 6,712 |
| Memoranda: | ||
| Average total assets | $93,731,000 | 5,109 |
| Average earning assets | $86,956,000 | 5,063 |
| Average equity | $7,944,750 | 5,615 |
| Average total loans | $75,952,750 | 4,318 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8041% | 716 |
| Cost of funding earning assets | 0.8935% | 4,726 |
| Net interest margin | 4.9106% | 478 |
| Noninterest income to average assets | 0.9971% | 1,327 |
| Noninterest expense to average assets | 3.7802% | 1,376 |
| Loan and lease loss provision to assets | 0.5259% | 1,858 |
| Net operating income to assets | 0.8043% | 3,055 |
| Return on assets (ROA) | 0.8043% | 3,180 |
| Pretax return on assets | 1.2557% | 2,282 |
| Return on Equity (ROE) | 9.2704% | 2,393 |
| Retained earnings to average equity (ytd only) | -2.0966% | 6,267 |
| Net charge-offs to loans | 0.3532% | 3,140 |
| Credit loss provision to net charge-offs | 184.6154% | 1,635 |
| Earnings coverage of net charge-offs (x) | 6.2538% | 2,435 |
| Efficiency ratio | 67.3759% | 4,630 |
| Assets per employee ($millions) | 2.7951% | 6,479 |
| Cash dividends to net income (ytd only)* | 122.6158% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 4,297 |
| Loan loss allowance to noncurrent loans | 288.6076% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 5,958 |
| Noncurrent loans to loans | 0.5056% | 5,892 |
| Net loans and leases to total assets | 81.0089% | 446 |
| Net loans and leases to deposits | 93.9598% | 873 |
| Net loans and leases to core deposits | 110.9948% | 691 |
| Total domestic deposits to total assets | 86.2165% | 3,208 |
| Equity capital to assets | 8.3118% | 6,410 |
| Core capital (leverage) ratio | 8.5117% | 5,536 |
| Tier 1 risk-based capital ratio | 11.1319% | 6,425 |
| Total risk-based capital ratio | 12.3872% | 6,416 |
| Memoranda: | ||
| Average total assets | $91,265,000 | 5,227 |
| Average earning assets | $84,836,330 | 5,167 |
| Average equity | $7,917,670 | 5,640 |
| Average total loans | $73,606,000 | 4,439 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8382% | 688 |
| Cost of funding earning assets | 0.9241% | 4,750 |
| Net interest margin | 4.9141% | 444 |
| Noninterest income to average assets | 0.9846% | 1,376 |
| Noninterest expense to average assets | 3.8890% | 1,186 |
| Loan and lease loss provision to assets | 0.5370% | 1,619 |
| Net operating income to assets | 0.7250% | 3,403 |
| Return on assets (ROA) | 0.7250% | 3,464 |
| Pretax return on assets | 1.1278% | 2,656 |
| Return on Equity (ROE) | 8.1746% | 2,839 |
| Retained earnings to average equity (ytd only) | -4.4405% | 6,465 |
| Net charge-offs to loans | 0.0673% | 4,249 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 813 |
| Efficiency ratio | 69.3795% | 4,401 |
| Assets per employee ($millions) | 2.5678% | 6,885 |
| Cash dividends to net income (ytd only)* | 154.3210% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 3,818 |
| Loan loss allowance to noncurrent loans | 139.2901% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9313% | 5,029 |
| Noncurrent loans to loans | 1.1344% | 4,809 |
| Net loans and leases to total assets | 78.8715% | 634 |
| Net loans and leases to deposits | 89.1299% | 1,337 |
| Net loans and leases to core deposits | 102.0648% | 1,201 |
| Total domestic deposits to total assets | 88.4906% | 2,082 |
| Equity capital to assets | 8.7723% | 5,541 |
| Core capital (leverage) ratio | 8.7919% | 4,946 |
| Tier 1 risk-based capital ratio | 12.0374% | 5,655 |
| Total risk-based capital ratio | 13.2932% | 5,644 |
| Memoranda: | ||
| Average total assets | $89,380,500 | 5,311 |
| Average earning assets | $83,108,500 | 5,269 |
| Average equity | $7,927,000 | 5,635 |
| Average total loans | $71,346,000 | 4,567 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0806% | 725 |
| Cost of funding earning assets | 1.1127% | 5,069 |
| Net interest margin | 4.9679% | 465 |
| Noninterest income to average assets | 1.0011% | 1,500 |
| Noninterest expense to average assets | 3.3096% | 2,714 |
| Loan and lease loss provision to assets | 0.8626% | 1,886 |
| Net operating income to assets | 0.9327% | 2,267 |
| Return on assets (ROA) | 0.9334% | 2,394 |
| Pretax return on assets | 1.4601% | 1,479 |
| Return on Equity (ROE) | 10.5026% | 1,764 |
| Retained earnings to average equity (ytd only) | -1.7668% | 5,926 |
| Net charge-offs to loans | 1.2333% | 1,818 |
| Credit loss provision to net charge-offs | 85.7918% | 5,301 |
| Earnings coverage of net charge-offs (x) | 2.3091% | 3,992 |
| Efficiency ratio | 58.1913% | 6,317 |
| Assets per employee ($millions) | 2.6935% | 6,697 |
| Cash dividends to net income (ytd only)* | 116.8224% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 4,238 |
| Loan loss allowance to noncurrent loans | 1,943.3962% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 6,881 |
| Noncurrent loans to loans | 0.0750% | 6,940 |
| Net loans and leases to total assets | 78.3455% | 891 |
| Net loans and leases to deposits | 86.4125% | 2,020 |
| Net loans and leases to core deposits | 98.3227% | 1,763 |
| Total domestic deposits to total assets | 90.6646% | 762 |
| Equity capital to assets | 8.9664% | 5,190 |
| Core capital (leverage) ratio | 8.4814% | 5,399 |
| Tier 1 risk-based capital ratio | 12.1377% | 5,350 |
| Total risk-based capital ratio | 13.3925% | 5,322 |
| Memoranda: | ||
| Average total assets | $91,703,400 | 5,232 |
| Average earning assets | $85,468,200 | 5,162 |
| Average equity | $8,150,400 | 5,669 |
| Average total loans | $74,759,200 | 4,496 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0684% | 810 |
| Cost of funding earning assets | 1.1371% | 5,213 |
| Net interest margin | 4.9313% | 522 |
| Noninterest income to average assets | 1.0057% | 1,450 |
| Noninterest expense to average assets | 3.1324% | 3,181 |
| Loan and lease loss provision to assets | 0.3246% | 3,989 |
| Net operating income to assets | 1.3568% | 1,205 |
| Return on assets (ROA) | 1.3577% | 1,285 |
| Pretax return on assets | 2.1426% | 459 |
| Return on Equity (ROE) | 15.3089% | 809 |
| Retained earnings to average equity (ytd only) | 3.1073% | 4,264 |
| Net charge-offs to loans | 0.1179% | 5,370 |
| Credit loss provision to net charge-offs | 335.8209% | 944 |
| Earnings coverage of net charge-offs (x) | 25.5078% | 994 |
| Efficiency ratio | 55.3866% | 6,635 |
| Assets per employee ($millions) | 3.0016% | 6,151 |
| Cash dividends to net income (ytd only)* | 79.7025% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 3,647 |
| Loan loss allowance to noncurrent loans | 507.3077% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,712 |
| Noncurrent loans to loans | 0.3101% | 6,573 |
| Net loans and leases to total assets | 83.3200% | 379 |
| Net loans and leases to deposits | 102.9206% | 483 |
| Net loans and leases to core deposits | 116.6285% | 731 |
| Total domestic deposits to total assets | 80.9557% | 5,388 |
| Equity capital to assets | 8.4308% | 6,358 |
| Core capital (leverage) ratio | 8.4050% | 5,691 |
| Tier 1 risk-based capital ratio | 11.1451% | 6,245 |
| Total risk-based capital ratio | 12.4022% | 6,230 |
| Memoranda: | ||
| Average total assets | $92,407,500 | 5,276 |
| Average earning assets | $86,061,000 | 5,203 |
| Average equity | $8,195,500 | 5,732 |
| Average total loans | $75,781,750 | 4,530 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9613% | 1,037 |
| Cost of funding earning assets | 1.1770% | 5,253 |
| Net interest margin | 4.7843% | 672 |
| Noninterest income to average assets | 0.9890% | 1,408 |
| Noninterest expense to average assets | 3.1754% | 2,988 |
| Loan and lease loss provision to assets | 0.3326% | 3,738 |
| Net operating income to assets | 1.2337% | 1,469 |
| Return on assets (ROA) | 1.2351% | 1,528 |
| Pretax return on assets | 1.9447% | 679 |
| Return on Equity (ROE) | 13.6793% | 1,103 |
| Retained earnings to average equity (ytd only) | 1.3999% | 5,180 |
| Net charge-offs to loans | 0.1505% | 4,734 |
| Credit loss provision to net charge-offs | 272.7273% | 1,371 |
| Earnings coverage of net charge-offs (x) | 18.6545% | 1,282 |
| Efficiency ratio | 57.6485% | 6,433 |
| Assets per employee ($millions) | 2.9499% | 6,245 |
| Cash dividends to net income (ytd only)* | 89.7666% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 3,571 |
| Loan loss allowance to noncurrent loans | 338.5445% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 6,461 |
| Noncurrent loans to loans | 0.4643% | 6,325 |
| Net loans and leases to total assets | 83.3100% | 405 |
| Net loans and leases to deposits | 101.7677% | 603 |
| Net loans and leases to core deposits | 113.3609% | 957 |
| Total domestic deposits to total assets | 81.8630% | 5,048 |
| Equity capital to assets | 8.7015% | 5,882 |
| Core capital (leverage) ratio | 8.9474% | 4,688 |
| Tier 1 risk-based capital ratio | 11.5649% | 5,705 |
| Total risk-based capital ratio | 12.8220% | 5,668 |
| Memoranda: | ||
| Average total assets | $90,192,330 | 5,381 |
| Average earning assets | $84,108,670 | 5,290 |
| Average equity | $8,143,670 | 5,748 |
| Average total loans | $73,092,330 | 4,674 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9133% | 1,175 |
| Cost of funding earning assets | 1.2198% | 5,285 |
| Net interest margin | 4.6936% | 789 |
| Noninterest income to average assets | 0.9172% | 1,567 |
| Noninterest expense to average assets | 3.1468% | 3,068 |
| Loan and lease loss provision to assets | 0.3406% | 3,342 |
| Net operating income to assets | 1.1414% | 1,698 |
| Return on assets (ROA) | 1.1443% | 1,773 |
| Pretax return on assets | 1.8027% | 873 |
| Return on Equity (ROE) | 12.4314% | 1,384 |
| Retained earnings to average equity (ytd only) | 0.0987% | 5,783 |
| Net charge-offs to loans | 0.0344% | 5,094 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 396 |
| Efficiency ratio | 58.8488% | 6,357 |
| Assets per employee ($millions) | 2.6222% | 6,997 |
| Cash dividends to net income (ytd only)* | 99.2063% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 2,924 |
| Loan loss allowance to noncurrent loans | 323.6842% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 6,369 |
| Noncurrent loans to loans | 0.5375% | 6,217 |
| Net loans and leases to total assets | 80.2848% | 805 |
| Net loans and leases to deposits | 89.1455% | 2,044 |
| Net loans and leases to core deposits | 98.7983% | 2,260 |
| Total domestic deposits to total assets | 90.0603% | 956 |
| Equity capital to assets | 9.3896% | 4,689 |
| Core capital (leverage) ratio | 9.0720% | 4,435 |
| Tier 1 risk-based capital ratio | 12.6699% | 4,583 |
| Total risk-based capital ratio | 13.9291% | 4,546 |
| Memoranda: | ||
| Average total assets | $88,089,500 | 5,512 |
| Average earning assets | $81,984,000 | 5,440 |
| Average equity | $8,108,500 | 5,807 |
| Average total loans | $69,689,000 | 4,872 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3637% | 903 |
| Cost of funding earning assets | 1.7284% | 4,364 |
| Net interest margin | 4.6353% | 923 |
| Noninterest income to average assets | 0.9983% | 1,581 |
| Noninterest expense to average assets | 3.4325% | 2,580 |
| Loan and lease loss provision to assets | 0.8232% | 2,664 |
| Net operating income to assets | 0.6472% | 3,149 |
| Return on assets (ROA) | 0.6538% | 3,173 |
| Pretax return on assets | 1.0278% | 2,500 |
| Return on Equity (ROE) | 7.6681% | 2,507 |
| Retained earnings to average equity (ytd only) | 4.3341% | 2,203 |
| Net charge-offs to loans | 0.9785% | 2,449 |
| Credit loss provision to net charge-offs | 103.7249% | 5,327 |
| Earnings coverage of net charge-offs (x) | 2.3195% | 3,991 |
| Efficiency ratio | 63.5188% | 5,862 |
| Assets per employee ($millions) | 2.7166% | 6,822 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 2,931 |
| Loan loss allowance to noncurrent loans | 302.8721% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 6,222 |
| Noncurrent loans to loans | 0.5577% | 6,129 |
| Net loans and leases to total assets | 75.3132% | 1,963 |
| Net loans and leases to deposits | 83.3500% | 3,390 |
| Net loans and leases to core deposits | 115.9710% | 2,320 |
| Total domestic deposits to total assets | 90.3577% | 803 |
| Equity capital to assets | 9.0265% | 5,100 |
| Core capital (leverage) ratio | 8.7783% | 4,799 |
| Tier 1 risk-based capital ratio | 12.7854% | 4,296 |
| Total risk-based capital ratio | 14.0449% | 4,236 |
| Memoranda: | ||
| Average total assets | $87,953,200 | 5,451 |
| Average earning assets | $81,116,800 | 5,422 |
| Average equity | $7,498,600 | 6,090 |
| Average total loans | $71,334,400 | 4,820 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3830% | 956 |
| Cost of funding earning assets | 1.8502% | 4,152 |
| Net interest margin | 4.5329% | 1,115 |
| Noninterest income to average assets | 0.9932% | 1,633 |
| Noninterest expense to average assets | 3.4700% | 2,355 |
| Loan and lease loss provision to assets | 0.6672% | 2,738 |
| Net operating income to assets | 0.6961% | 3,225 |
| Return on assets (ROA) | 0.7053% | 3,248 |
| Pretax return on assets | 1.0495% | 2,744 |
| Return on Equity (ROE) | 8.3986% | 2,487 |
| Retained earnings to average equity (ytd only) | 3.8637% | 3,132 |
| Net charge-offs to loans | 0.7648% | 2,447 |
| Credit loss provision to net charge-offs | 106.0533% | 4,799 |
| Earnings coverage of net charge-offs (x) | 2.7070% | 3,873 |
| Efficiency ratio | 65.1649% | 5,521 |
| Assets per employee ($millions) | 2.8139% | 6,628 |
| Cash dividends to net income (ytd only)* | 53.9963% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 3,631 |
| Loan loss allowance to noncurrent loans | 549.2891% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 6,773 |
| Noncurrent loans to loans | 0.2663% | 6,840 |
| Net loans and leases to total assets | 84.0834% | 530 |
| Net loans and leases to deposits | 106.3138% | 637 |
| Net loans and leases to core deposits | 157.9268% | 416 |
| Total domestic deposits to total assets | 79.0898% | 5,772 |
| Equity capital to assets | 8.6303% | 6,071 |
| Core capital (leverage) ratio | 8.6247% | 5,267 |
| Tier 1 risk-based capital ratio | 11.0133% | 5,941 |
| Total risk-based capital ratio | 12.2681% | 5,900 |
| Memoranda: | ||
| Average total assets | $87,529,750 | 5,498 |
| Average earning assets | $80,712,000 | 5,473 |
| Average equity | $7,350,250 | 6,208 |
| Average total loans | $71,999,000 | 4,845 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3990% | 1,017 |
| Cost of funding earning assets | 1.9959% | 3,800 |
| Net interest margin | 4.4031% | 1,403 |
| Noninterest income to average assets | 0.9912% | 1,621 |
| Noninterest expense to average assets | 3.5590% | 2,164 |
| Loan and lease loss provision to assets | 0.6367% | 2,523 |
| Net operating income to assets | 0.5784% | 3,774 |
| Return on assets (ROA) | 0.5784% | 3,881 |
| Pretax return on assets | 0.8396% | 3,541 |
| Return on Equity (ROE) | 6.9575% | 3,219 |
| Retained earnings to average equity (ytd only) | -0.0561% | 5,231 |
| Net charge-offs to loans | 1.0663% | 1,690 |
| Credit loss provision to net charge-offs | 73.5849% | 5,351 |
| Earnings coverage of net charge-offs (x) | 1.7062% | 4,278 |
| Efficiency ratio | 68.6429% | 5,042 |
| Assets per employee ($millions) | 2.6551% | 6,942 |
| Cash dividends to net income (ytd only)* | 100.8065% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 3,563 |
| Loan loss allowance to noncurrent loans | 822.2222% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 6,984 |
| Noncurrent loans to loans | 0.1740% | 7,085 |
| Net loans and leases to total assets | 81.4401% | 1,064 |
| Net loans and leases to deposits | 93.4078% | 2,189 |
| Net loans and leases to core deposits | 135.0998% | 1,260 |
| Total domestic deposits to total assets | 87.1877% | 2,152 |
| Equity capital to assets | 8.8314% | 5,554 |
| Core capital (leverage) ratio | 8.8040% | 4,937 |
| Tier 1 risk-based capital ratio | 11.3685% | 5,536 |
| Total risk-based capital ratio | 12.6219% | 5,432 |
| Memoranda: | ||
| Average total assets | $85,753,330 | 5,587 |
| Average earning assets | $78,762,330 | 5,572 |
| Average equity | $7,129,000 | 6,330 |
| Average total loans | $69,586,000 | 4,976 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4252% | 1,006 |
| Cost of funding earning assets | 2.0955% | 3,678 |
| Net interest margin | 4.3297% | 1,516 |
| Noninterest income to average assets | 1.0328% | 1,396 |
| Noninterest expense to average assets | 3.4567% | 2,213 |
| Loan and lease loss provision to assets | 0.9290% | 1,395 |
| Net operating income to assets | 0.4386% | 4,704 |
| Return on assets (ROA) | 0.4386% | 4,877 |
| Pretax return on assets | 0.6225% | 4,683 |
| Return on Equity (ROE) | 5.4509% | 4,266 |
| Retained earnings to average equity (ytd only) | -9.2021% | 7,032 |
| Net charge-offs to loans | 1.8832% | 766 |
| Credit loss provision to net charge-offs | 61.3707% | 4,493 |
| Earnings coverage of net charge-offs (x) | 1.0249% | 4,254 |
| Efficiency ratio | 66.9492% | 5,152 |
| Assets per employee ($millions) | 2.5770% | 7,137 |
| Cash dividends to net income (ytd only)* | 268.8172% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 3,233 |
| Loan loss allowance to noncurrent loans | 148.7482% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.3617% | 3,937 |
| Noncurrent loans to loans | 0.9747% | 5,045 |
| Net loans and leases to total assets | 80.7267% | 1,250 |
| Net loans and leases to deposits | 88.7432% | 3,147 |
| Net loans and leases to core deposits | 129.7903% | 1,670 |
| Total domestic deposits to total assets | 90.9666% | 425 |
| Equity capital to assets | 7.9751% | 6,848 |
| Core capital (leverage) ratio | 7.6771% | 6,919 |
| Tier 1 risk-based capital ratio | 10.0504% | 6,852 |
| Total risk-based capital ratio | 11.3049% | 6,766 |
| Memoranda: | ||
| Average total assets | $84,820,500 | 5,649 |
| Average earning assets | $77,880,500 | 5,631 |
| Average equity | $6,824,500 | 6,468 |
| Average total loans | $68,182,500 | 5,047 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0115% | 1,108 |
| Cost of funding earning assets | 2.6751% | 3,291 |
| Net interest margin | 4.3364% | 1,867 |
| Noninterest income to average assets | 1.0664% | 1,382 |
| Noninterest expense to average assets | 3.4862% | 2,434 |
| Loan and lease loss provision to assets | 1.0384% | 1,415 |
| Net operating income to assets | 0.3897% | 5,192 |
| Return on assets (ROA) | 0.3897% | 5,003 |
| Pretax return on assets | 0.5495% | 4,856 |
| Return on Equity (ROE) | 4.8795% | 4,443 |
| Retained earnings to average equity (ytd only) | 0.4967% | 4,940 |
| Net charge-offs to loans | 1.3580% | 863 |
| Credit loss provision to net charge-offs | 92.9990% | 5,599 |
| Earnings coverage of net charge-offs (x) | 1.4222% | 5,408 |
| Efficiency ratio | 66.7050% | 4,968 |
| Assets per employee ($millions) | 2.5637% | 7,078 |
| Cash dividends to net income (ytd only)* | 89.8204% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,909 |
| Loan loss allowance to noncurrent loans | 90.1431% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.1028% | 2,333 |
| Noncurrent loans to loans | 1.8859% | 2,931 |
| Net loans and leases to total assets | 77.5062% | 2,261 |
| Net loans and leases to deposits | 85.3811% | 4,198 |
| Net loans and leases to core deposits | 122.9787% | 2,400 |
| Total domestic deposits to total assets | 90.7767% | 396 |
| Equity capital to assets | 8.1169% | 6,675 |
| Core capital (leverage) ratio | 7.5319% | 7,166 |
| Tier 1 risk-based capital ratio | 10.4407% | 6,276 |
| Total risk-based capital ratio | 11.6981% | 6,143 |
| Memoranda: | ||
| Average total assets | $85,710,000 | 5,494 |
| Average earning assets | $79,212,600 | 5,462 |
| Average equity | $6,845,000 | 6,506 |
| Average total loans | $70,472,000 | 4,851 |