Home > Capital Bank > Performance and Condition Ratios
Capital Bank, Performance and Condition Ratios
| 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 | 4.8957% | 1,168 |
| Cost of funding earning assets | 0.1875% | 5,062 |
| Net interest margin | 4.7083% | 466 |
| Noninterest income to average assets | 1.0514% | 860 |
| Noninterest expense to average assets | 3.7448% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5842% | 991 |
| Return on assets (ROA) | 1.5842% | 994 |
| Pretax return on assets | 1.5842% | 1,621 |
| Return on Equity (ROE) | 15.4909% | 784 |
| Retained earnings to average equity (ytd only) | 3.1494% | 4,171 |
| Net charge-offs to loans | 0.0830% | 1,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 25.9124% | 1,763 |
| Efficiency ratio | 70.2725% | 2,151 |
| Assets per employee ($millions) | 3.3039% | 4,768 |
| Cash dividends to net income (ytd only)* | 79.6689% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,312 |
| Loan loss allowance to noncurrent loans | 1,614.2857% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 3,289 |
| Noncurrent loans to loans | 0.0936% | 4,468 |
| Net loans and leases to total assets | 72.3307% | 2,284 |
| Net loans and leases to deposits | 82.6757% | 2,747 |
| Net loans and leases to core deposits | 83.2102% | 3,227 |
| Total domestic deposits to total assets | 87.4873% | 1,497 |
| Equity capital to assets | 10.5813% | 3,063 |
| Core capital (leverage) ratio | 10.6066% | 2,972 |
| Tier 1 risk-based capital ratio | 15.5778% | 2,614 |
| Total risk-based capital ratio | 16.8318% | 2,549 |
| Memoranda: | ||
| Average total assets | $122,121,250 | 3,795 |
| Average earning assets | $110,951,250 | 3,829 |
| Average equity | $12,488,750 | 3,986 |
| Average total loans | $89,948,750 | 3,509 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 1,229 |
| Cost of funding earning assets | 0.1878% | 5,086 |
| Net interest margin | 4.6184% | 531 |
| Noninterest income to average assets | 1.0665% | 850 |
| Noninterest expense to average assets | 3.8548% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4024% | 1,434 |
| Return on assets (ROA) | 1.4024% | 1,434 |
| Pretax return on assets | 1.4024% | 2,135 |
| Return on Equity (ROE) | 13.8736% | 1,111 |
| Retained earnings to average equity (ytd only) | -4.8622% | 5,283 |
| Net charge-offs to loans | 0.1244% | 1,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 2,052 |
| Efficiency ratio | 73.3250% | 1,800 |
| Assets per employee ($millions) | 3.2568% | 4,872 |
| Cash dividends to net income (ytd only)* | 135.0467% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,430 |
| Loan loss allowance to noncurrent loans | 2,465.4545% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 3,493 |
| Noncurrent loans to loans | 0.0604% | 4,650 |
| Net loans and leases to total assets | 72.4733% | 2,201 |
| Net loans and leases to deposits | 82.2434% | 2,744 |
| Net loans and leases to core deposits | 82.7640% | 3,183 |
| Total domestic deposits to total assets | 88.1206% | 1,313 |
| Equity capital to assets | 9.9992% | 3,618 |
| Core capital (leverage) ratio | 10.2171% | 3,345 |
| Tier 1 risk-based capital ratio | 13.5058% | 3,614 |
| Total risk-based capital ratio | 14.7586% | 3,521 |
| Memoranda: | ||
| Average total assets | $122,080,330 | 3,825 |
| Average earning assets | $110,775,330 | 3,861 |
| Average equity | $12,340,000 | 4,031 |
| Average total loans | $90,006,330 | 3,516 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 1,223 |
| Cost of funding earning assets | 0.1894% | 5,083 |
| Net interest margin | 4.5458% | 558 |
| Noninterest income to average assets | 1.0393% | 843 |
| Noninterest expense to average assets | 3.8403% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3164% | 1,589 |
| Return on assets (ROA) | 1.3164% | 1,597 |
| Pretax return on assets | 1.3164% | 2,301 |
| Return on Equity (ROE) | 12.9519% | 1,274 |
| Retained earnings to average equity (ytd only) | -24.5729% | 5,534 |
| Net charge-offs to loans | 0.2503% | 613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.1250% | 2,115 |
| Efficiency ratio | 74.4722% | 1,826 |
| Assets per employee ($millions) | 3.2091% | 4,989 |
| Cash dividends to net income (ytd only)* | 289.7243% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,345 |
| Loan loss allowance to noncurrent loans | 2,423.2143% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 2,472 |
| Noncurrent loans to loans | 0.0632% | 4,695 |
| Net loans and leases to total assets | 71.5721% | 2,242 |
| Net loans and leases to deposits | 80.9843% | 2,702 |
| Net loans and leases to core deposits | 81.5031% | 3,184 |
| Total domestic deposits to total assets | 88.3777% | 1,420 |
| Equity capital to assets | 9.7731% | 3,813 |
| Core capital (leverage) ratio | 9.9941% | 3,544 |
| Tier 1 risk-based capital ratio | 13.2660% | 3,799 |
| Total risk-based capital ratio | 14.5190% | 3,701 |
| Memoranda: | ||
| Average total assets | $121,240,500 | 3,884 |
| Average earning assets | $109,815,500 | 3,917 |
| Average equity | $12,322,500 | 4,073 |
| Average total loans | $89,485,000 | 3,556 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 998 |
| Cost of funding earning assets | 0.2199% | 4,793 |
| Net interest margin | 4.5684% | 532 |
| Noninterest income to average assets | 1.0331% | 953 |
| Noninterest expense to average assets | 3.7238% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4427% | 921 |
| Return on assets (ROA) | 1.4427% | 938 |
| Pretax return on assets | 1.4427% | 1,845 |
| Return on Equity (ROE) | 14.2961% | 719 |
| Retained earnings to average equity (ytd only) | 6.2535% | 1,410 |
| Net charge-offs to loans | -0.1697% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0757% | 2,211 |
| Assets per employee ($millions) | 3.2577% | 4,982 |
| Cash dividends to net income (ytd only)* | 56.2572% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 1,237 |
| Loan loss allowance to noncurrent loans | 9,413.3333% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 3,707 |
| Noncurrent loans to loans | 0.0166% | 4,953 |
| Net loans and leases to total assets | 73.7725% | 1,956 |
| Net loans and leases to deposits | 84.2837% | 2,460 |
| Net loans and leases to core deposits | 84.8353% | 2,998 |
| Total domestic deposits to total assets | 87.5288% | 1,747 |
| Equity capital to assets | 10.5588% | 3,097 |
| Core capital (leverage) ratio | 10.5244% | 2,824 |
| Tier 1 risk-based capital ratio | 14.1889% | 3,265 |
| Total risk-based capital ratio | 15.4431% | 3,163 |
| Memoranda: | ||
| Average total assets | $119,634,600 | 3,902 |
| Average earning assets | $108,242,600 | 3,947 |
| Average equity | $12,073,200 | 4,125 |
| Average total loans | $87,779,800 | 3,567 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 997 |
| Cost of funding earning assets | 0.1949% | 5,019 |
| Net interest margin | 4.5690% | 520 |
| Noninterest income to average assets | 1.0351% | 952 |
| Noninterest expense to average assets | 3.7796% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3913% | 1,106 |
| Return on assets (ROA) | 1.3913% | 1,124 |
| Pretax return on assets | 1.3913% | 2,142 |
| Return on Equity (ROE) | 13.9490% | 842 |
| Retained earnings to average equity (ytd only) | 3.0787% | 4,076 |
| Net charge-offs to loans | -0.1698% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0944% | 2,029 |
| Assets per employee ($millions) | 3.2749% | 4,988 |
| Cash dividends to net income (ytd only)* | 77.9292% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 1,400 |
| Loan loss allowance to noncurrent loans | 9,153.3333% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 3,893 |
| Noncurrent loans to loans | 0.0168% | 5,064 |
| Net loans and leases to total assets | 72.6061% | 2,163 |
| Net loans and leases to deposits | 82.7065% | 2,691 |
| Net loans and leases to core deposits | 83.2433% | 3,197 |
| Total domestic deposits to total assets | 87.7877% | 1,473 |
| Equity capital to assets | 10.1830% | 3,707 |
| Core capital (leverage) ratio | 10.2635% | 3,242 |
| Tier 1 risk-based capital ratio | 13.6634% | 3,606 |
| Total risk-based capital ratio | 14.9169% | 3,532 |
| Memoranda: | ||
| Average total assets | $119,409,750 | 3,946 |
| Average earning assets | $108,088,000 | 3,996 |
| Average equity | $11,909,750 | 4,190 |
| Average total loans | $87,141,500 | 3,614 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 1,106 |
| Cost of funding earning assets | 0.1987% | 4,997 |
| Net interest margin | 4.4766% | 598 |
| Noninterest income to average assets | 1.0284% | 960 |
| Noninterest expense to average assets | 3.8091% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2775% | 1,359 |
| Return on assets (ROA) | 1.2775% | 1,385 |
| Pretax return on assets | 1.2775% | 2,469 |
| Return on Equity (ROE) | 12.9008% | 1,062 |
| Retained earnings to average equity (ytd only) | -3.6034% | 5,473 |
| Net charge-offs to loans | -0.0856% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8842% | 1,871 |
| Assets per employee ($millions) | 3.2587% | 5,020 |
| Cash dividends to net income (ytd only)* | 127.9315% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,584 |
| Loan loss allowance to noncurrent loans | 13,000.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 3,975 |
| Noncurrent loans to loans | 0.0115% | 5,132 |
| Net loans and leases to total assets | 70.9479% | 2,385 |
| Net loans and leases to deposits | 80.3034% | 2,876 |
| Net loans and leases to core deposits | 80.8224% | 3,361 |
| Total domestic deposits to total assets | 88.3498% | 1,277 |
| Equity capital to assets | 9.8339% | 4,100 |
| Core capital (leverage) ratio | 9.8744% | 3,685 |
| Tier 1 risk-based capital ratio | 13.3516% | 3,775 |
| Total risk-based capital ratio | 14.6037% | 3,696 |
| Memoranda: | ||
| Average total assets | $118,822,000 | 3,981 |
| Average earning assets | $107,716,330 | 4,024 |
| Average equity | $11,766,670 | 4,230 |
| Average total loans | $86,404,670 | 3,647 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 991 |
| Cost of funding earning assets | 0.1988% | 4,991 |
| Net interest margin | 4.4715% | 554 |
| Noninterest income to average assets | 0.9801% | 1,043 |
| Noninterest expense to average assets | 3.8696% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1531% | 1,654 |
| Return on assets (ROA) | 1.1531% | 1,690 |
| Pretax return on assets | 1.1531% | 2,767 |
| Return on Equity (ROE) | 11.6026% | 1,368 |
| Retained earnings to average equity (ytd only) | -21.5672% | 5,748 |
| Net charge-offs to loans | -0.0232% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0425% | 1,750 |
| Assets per employee ($millions) | 3.1540% | 5,216 |
| Cash dividends to net income (ytd only)* | 285.8824% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 4,025 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.3911% | 2,155 |
| Net loans and leases to deposits | 80.7053% | 2,654 |
| Net loans and leases to core deposits | 81.2294% | 3,173 |
| Total domestic deposits to total assets | 88.4590% | 1,454 |
| Equity capital to assets | 9.5293% | 4,259 |
| Core capital (leverage) ratio | 9.7073% | 3,867 |
| Tier 1 risk-based capital ratio | 12.9462% | 4,108 |
| Total risk-based capital ratio | 14.1988% | 4,006 |
| Memoranda: | ||
| Average total assets | $117,946,500 | 4,030 |
| Average earning assets | $106,631,000 | 4,074 |
| Average equity | $11,721,500 | 4,266 |
| Average total loans | $86,185,000 | 3,683 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 843 |
| Cost of funding earning assets | 0.2071% | 4,946 |
| Net interest margin | 4.6196% | 488 |
| Noninterest income to average assets | 1.1016% | 943 |
| Noninterest expense to average assets | 3.9927% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2806% | 1,265 |
| Return on assets (ROA) | 1.2806% | 1,333 |
| Pretax return on assets | 1.2806% | 2,352 |
| Return on Equity (ROE) | 12.5649% | 1,100 |
| Retained earnings to average equity (ytd only) | 6.4815% | 1,466 |
| Net charge-offs to loans | -0.0453% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7150% | 2,026 |
| Assets per employee ($millions) | 3.0537% | 5,308 |
| Cash dividends to net income (ytd only)* | 48.4160% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 1,770 |
| Loan loss allowance to noncurrent loans | 126,300.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,992 |
| Noncurrent loans to loans | 0.0012% | 5,321 |
| Net loans and leases to total assets | 72.6246% | 2,076 |
| Net loans and leases to deposits | 82.7678% | 2,579 |
| Net loans and leases to core deposits | 83.3276% | 3,092 |
| Total domestic deposits to total assets | 87.7450% | 1,770 |
| Equity capital to assets | 10.3600% | 3,317 |
| Core capital (leverage) ratio | 10.4520% | 2,929 |
| Tier 1 risk-based capital ratio | 13.8557% | 3,545 |
| Total risk-based capital ratio | 15.1088% | 3,455 |
| Memoranda: | ||
| Average total assets | $113,382,400 | 4,104 |
| Average earning assets | $102,390,000 | 4,155 |
| Average equity | $11,556,000 | 4,329 |
| Average total loans | $81,599,600 | 3,771 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 842 |
| Cost of funding earning assets | 0.2094% | 4,984 |
| Net interest margin | 4.6208% | 487 |
| Noninterest income to average assets | 1.0776% | 974 |
| Noninterest expense to average assets | 3.9957% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2586% | 1,420 |
| Return on assets (ROA) | 1.2787% | 1,458 |
| Pretax return on assets | 1.2787% | 2,508 |
| Return on Equity (ROE) | 12.5993% | 1,151 |
| Retained earnings to average equity (ytd only) | 4.4057% | 3,198 |
| Net charge-offs to loans | 0.0016% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1,066.6391% | 70 |
| Efficiency ratio | 76.0468% | 1,969 |
| Assets per employee ($millions) | 3.0043% | 5,388 |
| Cash dividends to net income (ytd only)* | 65.0323% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 4,097 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.1742% | 2,158 |
| Net loans and leases to deposits | 82.3122% | 2,691 |
| Net loans and leases to core deposits | 82.8785% | 3,220 |
| Total domestic deposits to total assets | 87.6835% | 1,565 |
| Equity capital to assets | 10.3185% | 3,783 |
| Core capital (leverage) ratio | 10.2393% | 3,292 |
| Tier 1 risk-based capital ratio | 13.7318% | 3,724 |
| Total risk-based capital ratio | 14.9837% | 3,634 |
| Memoranda: | ||
| Average total assets | $112,717,500 | 4,144 |
| Average earning assets | $101,884,250 | 4,194 |
| Average equity | $11,439,500 | 4,387 |
| Average total loans | $80,615,000 | 3,805 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 893 |
| Cost of funding earning assets | 0.2111% | 5,030 |
| Net interest margin | 4.5850% | 525 |
| Noninterest income to average assets | 1.0763% | 969 |
| Noninterest expense to average assets | 3.9631% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2545% | 1,406 |
| Return on assets (ROA) | 1.2795% | 1,445 |
| Pretax return on assets | 1.2795% | 2,486 |
| Return on Equity (ROE) | 12.6788% | 1,109 |
| Retained earnings to average equity (ytd only) | 0.2649% | 5,223 |
| Net charge-offs to loans | -0.0402% | 5,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9563% | 2,085 |
| Assets per employee ($millions) | 2.9930% | 5,449 |
| Cash dividends to net income (ytd only)* | 97.9109% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,734 |
| Loan loss allowance to noncurrent loans | 3,268.4211% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 4,015 |
| Noncurrent loans to loans | 0.0470% | 5,274 |
| Net loans and leases to total assets | 69.9832% | 2,486 |
| Net loans and leases to deposits | 79.5789% | 2,989 |
| Net loans and leases to core deposits | 80.1260% | 3,453 |
| Total domestic deposits to total assets | 87.9419% | 1,463 |
| Equity capital to assets | 10.0683% | 4,141 |
| Core capital (leverage) ratio | 9.8953% | 3,689 |
| Tier 1 risk-based capital ratio | 13.6255% | 3,819 |
| Total risk-based capital ratio | 14.8787% | 3,742 |
| Memoranda: | ||
| Average total assets | $112,235,330 | 4,184 |
| Average earning assets | $101,374,330 | 4,244 |
| Average equity | $11,326,000 | 4,435 |
| Average total loans | $79,613,000 | 3,853 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 839 |
| Cost of funding earning assets | 0.2189% | 5,015 |
| Net interest margin | 4.5842% | 515 |
| Noninterest income to average assets | 1.0369% | 1,009 |
| Noninterest expense to average assets | 3.9969% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1732% | 1,635 |
| Return on assets (ROA) | 1.1732% | 1,738 |
| Pretax return on assets | 1.1732% | 2,808 |
| Return on Equity (ROE) | 11.6127% | 1,421 |
| Retained earnings to average equity (ytd only) | -13.3529% | 5,882 |
| Net charge-offs to loans | -0.0557% | 5,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3074% | 1,990 |
| Assets per employee ($millions) | 3.0631% | 5,438 |
| Cash dividends to net income (ytd only)* | 214.9847% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,657 |
| Loan loss allowance to noncurrent loans | 736.9048% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 3,625 |
| Noncurrent loans to loans | 0.2149% | 4,662 |
| Net loans and leases to total assets | 67.8770% | 2,663 |
| Net loans and leases to deposits | 76.9216% | 3,116 |
| Net loans and leases to core deposits | 77.4506% | 3,554 |
| Total domestic deposits to total assets | 88.2417% | 1,505 |
| Equity capital to assets | 9.7800% | 4,364 |
| Core capital (leverage) ratio | 9.8681% | 3,701 |
| Tier 1 risk-based capital ratio | 13.5142% | 3,972 |
| Total risk-based capital ratio | 14.7682% | 3,892 |
| Memoranda: | ||
| Average total assets | $111,486,500 | 4,233 |
| Average earning assets | $100,520,000 | 4,287 |
| Average equity | $11,263,500 | 4,455 |
| Average total loans | $79,001,500 | 3,884 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 774 |
| Cost of funding earning assets | 0.2956% | 4,303 |
| Net interest margin | 4.5999% | 547 |
| Noninterest income to average assets | 0.9088% | 1,417 |
| Noninterest expense to average assets | 4.0948% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9448% | 2,641 |
| Return on assets (ROA) | 0.9448% | 2,713 |
| Pretax return on assets | 0.9448% | 3,675 |
| Return on Equity (ROE) | 9.4926% | 2,223 |
| Retained earnings to average equity (ytd only) | 5.5419% | 2,055 |
| Net charge-offs to loans | 0.0189% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 772 |
| Efficiency ratio | 81.2533% | 1,502 |
| Assets per employee ($millions) | 2.8113% | 5,698 |
| Cash dividends to net income (ytd only)* | 41.6190% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 1,842 |
| Loan loss allowance to noncurrent loans | 721.1765% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 3,591 |
| Noncurrent loans to loans | 0.2129% | 4,656 |
| Net loans and leases to total assets | 71.7001% | 2,104 |
| Net loans and leases to deposits | 81.7674% | 2,621 |
| Net loans and leases to core deposits | 82.3524% | 3,106 |
| Total domestic deposits to total assets | 87.6879% | 1,798 |
| Equity capital to assets | 10.4369% | 3,442 |
| Core capital (leverage) ratio | 10.2045% | 3,259 |
| Tier 1 risk-based capital ratio | 13.8008% | 3,827 |
| Total risk-based capital ratio | 15.0534% | 3,751 |
| Memoranda: | ||
| Average total assets | $111,139,800 | 4,239 |
| Average earning assets | $99,807,400 | 4,298 |
| Average equity | $11,061,200 | 4,468 |
| Average total loans | $79,432,400 | 3,842 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 740 |
| Cost of funding earning assets | 0.3196% | 4,110 |
| Net interest margin | 4.5973% | 548 |
| Noninterest income to average assets | 0.8872% | 1,488 |
| Noninterest expense to average assets | 4.0950% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9194% | 2,862 |
| Return on assets (ROA) | 0.9194% | 2,952 |
| Pretax return on assets | 0.9194% | 3,915 |
| Return on Equity (ROE) | 9.3501% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.0368% | 3,591 |
| Net charge-offs to loans | 0.0387% | 3,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 33.4304% | 1,392 |
| Efficiency ratio | 81.6643% | 1,442 |
| Assets per employee ($millions) | 2.8317% | 5,727 |
| Cash dividends to net income (ytd only)* | 56.8267% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 2,100 |
| Loan loss allowance to noncurrent loans | 796.0784% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 3,612 |
| Noncurrent loans to loans | 0.1902% | 4,885 |
| Net loans and leases to total assets | 71.7535% | 2,102 |
| Net loans and leases to deposits | 81.7668% | 2,669 |
| Net loans and leases to core deposits | 82.3463% | 3,218 |
| Total domestic deposits to total assets | 87.7539% | 1,681 |
| Equity capital to assets | 10.1653% | 3,979 |
| Core capital (leverage) ratio | 10.0331% | 3,576 |
| Tier 1 risk-based capital ratio | 13.5295% | 4,125 |
| Total risk-based capital ratio | 14.7827% | 4,053 |
| Memoranda: | ||
| Average total assets | $111,514,750 | 4,276 |
| Average earning assets | $100,114,500 | 4,330 |
| Average equity | $10,965,750 | 4,541 |
| Average total loans | $79,331,000 | 3,883 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 686 |
| Cost of funding earning assets | 0.3667% | 3,634 |
| Net interest margin | 4.5622% | 562 |
| Noninterest income to average assets | 0.8349% | 1,651 |
| Noninterest expense to average assets | 4.0545% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8724% | 3,031 |
| Return on assets (ROA) | 0.8724% | 3,138 |
| Pretax return on assets | 0.8724% | 4,061 |
| Return on Equity (ROE) | 8.9714% | 2,562 |
| Retained earnings to average equity (ytd only) | 0.9376% | 5,197 |
| Net charge-offs to loans | 0.0836% | 2,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.7879% | 2,034 |
| Efficiency ratio | 82.2932% | 1,447 |
| Assets per employee ($millions) | 2.7188% | 5,896 |
| Cash dividends to net income (ytd only)* | 89.5492% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 1,973 |
| Loan loss allowance to noncurrent loans | 331.8681% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 2,671 |
| Noncurrent loans to loans | 0.4757% | 4,046 |
| Net loans and leases to total assets | 69.2487% | 2,448 |
| Net loans and leases to deposits | 78.7370% | 2,931 |
| Net loans and leases to core deposits | 79.3025% | 3,464 |
| Total domestic deposits to total assets | 87.9494% | 1,674 |
| Equity capital to assets | 10.0294% | 4,003 |
| Core capital (leverage) ratio | 9.5713% | 4,175 |
| Tier 1 risk-based capital ratio | 13.1084% | 4,455 |
| Total risk-based capital ratio | 14.3618% | 4,366 |
| Memoranda: | ||
| Average total assets | $111,874,670 | 4,304 |
| Average earning assets | $100,347,000 | 4,359 |
| Average equity | $10,879,000 | 4,586 |
| Average total loans | $78,955,000 | 3,917 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 783 |
| Cost of funding earning assets | 0.3920% | 3,389 |
| Net interest margin | 4.4574% | 656 |
| Noninterest income to average assets | 0.8780% | 1,463 |
| Noninterest expense to average assets | 3.9987% | 697 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8886% | 2,800 |
| Return on assets (ROA) | 0.8886% | 2,925 |
| Pretax return on assets | 0.8886% | 3,931 |
| Return on Equity (ROE) | 9.2775% | 2,323 |
| Retained earnings to average equity (ytd only) | -2.3194% | 5,723 |
| Net charge-offs to loans | -0.0449% | 5,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,644 |
| Assets per employee ($millions) | 2.8436% | 5,836 |
| Cash dividends to net income (ytd only)* | 125.0000% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 2,244 |
| Loan loss allowance to noncurrent loans | 188.8218% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1535% | 2,332 |
| Noncurrent loans to loans | 0.8197% | 3,195 |
| Net loans and leases to total assets | 69.9055% | 2,157 |
| Net loans and leases to deposits | 82.2275% | 2,314 |
| Net loans and leases to core deposits | 83.0338% | 2,871 |
| Total domestic deposits to total assets | 85.0147% | 3,397 |
| Equity capital to assets | 9.5591% | 4,684 |
| Core capital (leverage) ratio | 9.3160% | 4,544 |
| Tier 1 risk-based capital ratio | 12.7035% | 4,785 |
| Total risk-based capital ratio | 13.9565% | 4,704 |
| Memoranda: | ||
| Average total assets | $113,437,000 | 4,296 |
| Average earning assets | $102,032,000 | 4,343 |
| Average equity | $10,865,000 | 4,627 |
| Average total loans | $80,174,500 | 3,883 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 1,209 |
| Cost of funding earning assets | 0.4254% | 3,432 |
| Net interest margin | 4.3207% | 1,021 |
| Noninterest income to average assets | 0.8744% | 1,591 |
| Noninterest expense to average assets | 4.1521% | 632 |
| Loan and lease loss provision to assets | 0.0220% | 4,177 |
| Net operating income to assets | 0.5738% | 4,488 |
| Return on assets (ROA) | 0.5738% | 4,573 |
| Pretax return on assets | 0.5738% | 5,023 |
| Return on Equity (ROE) | 6.1477% | 4,077 |
| Retained earnings to average equity (ytd only) | 1.9112% | 4,848 |
| Net charge-offs to loans | 0.0013% | 4,954 |
| Credit loss provision to net charge-offs | 2,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 678.0000% | 70 |
| Efficiency ratio | 87.4514% | 1,041 |
| Assets per employee ($millions) | 2.6935% | 6,031 |
| Cash dividends to net income (ytd only)* | 68.9127% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 2,231 |
| Loan loss allowance to noncurrent loans | 170.9366% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 2,211 |
| Noncurrent loans to loans | 0.9122% | 3,034 |
| Net loans and leases to total assets | 69.2519% | 2,346 |
| Net loans and leases to deposits | 81.4717% | 2,546 |
| Net loans and leases to core deposits | 82.6710% | 3,031 |
| Total domestic deposits to total assets | 85.0012% | 3,279 |
| Equity capital to assets | 9.5970% | 4,592 |
| Core capital (leverage) ratio | 9.3158% | 4,519 |
| Tier 1 risk-based capital ratio | 12.9296% | 4,772 |
| Total risk-based capital ratio | 14.1828% | 4,688 |
| Memoranda: | ||
| Average total assets | $113,798,000 | 4,308 |
| Average earning assets | $102,021,000 | 4,356 |
| Average equity | $10,621,800 | 4,631 |
| Average total loans | $79,540,000 | 3,884 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 1,251 |
| Cost of funding earning assets | 0.4310% | 3,453 |
| Net interest margin | 4.2944% | 1,064 |
| Noninterest income to average assets | 0.8306% | 1,775 |
| Noninterest expense to average assets | 4.1333% | 657 |
| Loan and lease loss provision to assets | 0.0292% | 3,824 |
| Net operating income to assets | 0.5148% | 4,823 |
| Return on assets (ROA) | 0.5148% | 4,884 |
| Pretax return on assets | 0.5148% | 5,285 |
| Return on Equity (ROE) | 5.5538% | 4,458 |
| Retained earnings to average equity (ytd only) | -0.1262% | 5,819 |
| Net charge-offs to loans | 0.0251% | 4,001 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 30.9990% | 1,342 |
| Efficiency ratio | 88.3692% | 967 |
| Assets per employee ($millions) | 2.7102% | 6,075 |
| Cash dividends to net income (ytd only)* | 102.2739% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 2,655 |
| Loan loss allowance to noncurrent loans | 171.8487% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 2,072 |
| Noncurrent loans to loans | 0.8788% | 3,374 |
| Net loans and leases to total assets | 70.2973% | 2,146 |
| Net loans and leases to deposits | 82.5447% | 2,356 |
| Net loans and leases to core deposits | 83.7473% | 2,909 |
| Total domestic deposits to total assets | 85.1627% | 3,274 |
| Equity capital to assets | 9.3878% | 4,940 |
| Core capital (leverage) ratio | 9.1484% | 4,857 |
| Tier 1 risk-based capital ratio | 12.6156% | 5,095 |
| Total risk-based capital ratio | 13.8682% | 5,015 |
| Memoranda: | ||
| Average total assets | $113,965,250 | 4,333 |
| Average earning assets | $102,084,000 | 4,387 |
| Average equity | $10,563,000 | 4,675 |
| Average total loans | $79,528,750 | 3,917 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,363 |
| Cost of funding earning assets | 0.4413% | 3,423 |
| Net interest margin | 4.2224% | 1,193 |
| Noninterest income to average assets | 1.0157% | 1,157 |
| Noninterest expense to average assets | 4.1242% | 657 |
| Loan and lease loss provision to assets | 0.0439% | 3,442 |
| Net operating income to assets | 0.6245% | 4,223 |
| Return on assets (ROA) | 0.6245% | 4,323 |
| Pretax return on assets | 0.6245% | 4,879 |
| Return on Equity (ROE) | 6.7668% | 3,736 |
| Retained earnings to average equity (ytd only) | -1.7867% | 5,965 |
| Net charge-offs to loans | 0.0887% | 2,800 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 10.8857% | 2,203 |
| Efficiency ratio | 86.0542% | 1,268 |
| Assets per employee ($millions) | 2.6517% | 6,165 |
| Cash dividends to net income (ytd only)* | 126.4045% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 2,654 |
| Loan loss allowance to noncurrent loans | 169.1877% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 1.6619% | 1,958 |
| Noncurrent loans to loans | 0.9183% | 3,428 |
| Net loans and leases to total assets | 67.1326% | 2,559 |
| Net loans and leases to deposits | 78.7345% | 2,704 |
| Net loans and leases to core deposits | 79.8756% | 3,227 |
| Total domestic deposits to total assets | 85.2646% | 3,377 |
| Equity capital to assets | 9.2813% | 5,001 |
| Core capital (leverage) ratio | 9.0343% | 4,968 |
| Tier 1 risk-based capital ratio | 12.7584% | 5,061 |
| Total risk-based capital ratio | 14.0108% | 5,002 |
| Memoranda: | ||
| Average total assets | $114,011,000 | 4,362 |
| Average earning assets | $101,981,000 | 4,413 |
| Average equity | $10,522,000 | 4,699 |
| Average total loans | $78,956,670 | 3,941 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 1,484 |
| Cost of funding earning assets | 0.4467% | 3,464 |
| Net interest margin | 4.1612% | 1,317 |
| Noninterest income to average assets | 1.0491% | 1,015 |
| Noninterest expense to average assets | 4.1999% | 607 |
| Loan and lease loss provision to assets | 0.0877% | 2,451 |
| Net operating income to assets | 0.4877% | 4,747 |
| Return on assets (ROA) | 0.4877% | 4,823 |
| Pretax return on assets | 0.4877% | 5,205 |
| Return on Equity (ROE) | 5.2995% | 4,388 |
| Retained earnings to average equity (ytd only) | -11.8572% | 6,416 |
| Net charge-offs to loans | 0.2162% | 1,460 |
| Credit loss provision to net charge-offs | 58.1395% | 2,125 |
| Earnings coverage of net charge-offs (x) | 3.8140% | 2,625 |
| Efficiency ratio | 87.9500% | 1,230 |
| Assets per employee ($millions) | 2.6766% | 6,222 |
| Cash dividends to net income (ytd only)* | 323.7410% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 3,074 |
| Loan loss allowance to noncurrent loans | 140.7277% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.8376% | 1,892 |
| Noncurrent loans to loans | 1.0782% | 3,262 |
| Net loans and leases to total assets | 67.6131% | 2,278 |
| Net loans and leases to deposits | 78.8581% | 2,444 |
| Net loans and leases to core deposits | 79.9815% | 2,965 |
| Total domestic deposits to total assets | 85.7402% | 3,500 |
| Equity capital to assets | 8.9936% | 5,124 |
| Core capital (leverage) ratio | 8.8712% | 5,170 |
| Tier 1 risk-based capital ratio | 12.4520% | 5,345 |
| Total risk-based capital ratio | 13.7053% | 5,279 |
| Memoranda: | ||
| Average total assets | $114,004,000 | 4,413 |
| Average earning assets | $102,086,500 | 4,448 |
| Average equity | $10,491,500 | 4,730 |
| Average total loans | $79,557,000 | 3,948 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 675 |
| Cost of funding earning assets | 0.5008% | 3,602 |
| Net interest margin | 4.6769% | 531 |
| Noninterest income to average assets | 1.1610% | 1,046 |
| Noninterest expense to average assets | 4.4891% | 533 |
| Loan and lease loss provision to assets | 0.2595% | 1,378 |
| Net operating income to assets | 0.5814% | 4,352 |
| Return on assets (ROA) | 0.5814% | 4,466 |
| Pretax return on assets | 0.5814% | 4,930 |
| Return on Equity (ROE) | 6.2340% | 3,954 |
| Retained earnings to average equity (ytd only) | 2.2821% | 4,621 |
| Net charge-offs to loans | 0.7358% | 871 |
| Credit loss provision to net charge-offs | 48.1541% | 3,858 |
| Earnings coverage of net charge-offs (x) | 1.5602% | 4,534 |
| Efficiency ratio | 84.2233% | 1,604 |
| Assets per employee ($millions) | 2.5663% | 6,355 |
| Cash dividends to net income (ytd only)* | 63.3929% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,104 |
| Loan loss allowance to noncurrent loans | 74.7543% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.5346% | 1,343 |
| Noncurrent loans to loans | 2.0325% | 1,957 |
| Net loans and leases to total assets | 69.8579% | 2,036 |
| Net loans and leases to deposits | 82.0018% | 2,179 |
| Net loans and leases to core deposits | 82.9809% | 2,774 |
| Total domestic deposits to total assets | 85.1906% | 3,648 |
| Equity capital to assets | 9.4159% | 4,530 |
| Core capital (leverage) ratio | 9.1151% | 4,836 |
| Tier 1 risk-based capital ratio | 12.8447% | 5,086 |
| Total risk-based capital ratio | 14.0978% | 5,030 |
| Memoranda: | ||
| Average total assets | $115,591,800 | 4,371 |
| Average earning assets | $103,038,000 | 4,434 |
| Average equity | $10,779,600 | 4,683 |
| Average total loans | $84,673,000 | 3,804 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2510% | 584 |
| Cost of funding earning assets | 0.5111% | 3,661 |
| Net interest margin | 4.7399% | 487 |
| Noninterest income to average assets | 1.1021% | 1,205 |
| Noninterest expense to average assets | 4.4703% | 536 |
| Loan and lease loss provision to assets | 0.0573% | 3,904 |
| Net operating income to assets | 0.7970% | 3,360 |
| Return on assets (ROA) | 0.7970% | 3,493 |
| Pretax return on assets | 0.7970% | 4,305 |
| Return on Equity (ROE) | 8.5669% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.3159% | 4,317 |
| Net charge-offs to loans | 0.4676% | 1,375 |
| Credit loss provision to net charge-offs | 16.6113% | 4,121 |
| Earnings coverage of net charge-offs (x) | 2.4751% | 4,009 |
| Efficiency ratio | 83.9543% | 1,602 |
| Assets per employee ($millions) | 2.6144% | 6,371 |
| Cash dividends to net income (ytd only)* | 61.2956% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 3,298 |
| Loan loss allowance to noncurrent loans | 71.2155% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 3.0817% | 1,196 |
| Noncurrent loans to loans | 2.1576% | 2,053 |
| Net loans and leases to total assets | 71.8064% | 1,629 |
| Net loans and leases to deposits | 84.2283% | 1,852 |
| Net loans and leases to core deposits | 85.2137% | 2,504 |
| Total domestic deposits to total assets | 85.2521% | 3,610 |
| Equity capital to assets | 9.2791% | 4,826 |
| Core capital (leverage) ratio | 9.0873% | 4,984 |
| Tier 1 risk-based capital ratio | 11.6460% | 5,983 |
| Total risk-based capital ratio | 12.8986% | 5,941 |
| Memoranda: | ||
| Average total assets | $116,261,000 | 4,402 |
| Average earning assets | $103,572,000 | 4,458 |
| Average equity | $10,816,500 | 4,727 |
| Average total loans | $85,817,000 | 3,814 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3250% | 504 |
| Cost of funding earning assets | 0.5179% | 3,725 |
| Net interest margin | 4.8071% | 429 |
| Noninterest income to average assets | 1.0954% | 1,267 |
| Noninterest expense to average assets | 4.4107% | 571 |
| Loan and lease loss provision to assets | 0.0429% | 4,101 |
| Net operating income to assets | 0.9223% | 2,692 |
| Return on assets (ROA) | 0.9223% | 2,829 |
| Pretax return on assets | 0.9223% | 3,824 |
| Return on Equity (ROE) | 9.9043% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.9043% | 869 |
| Net charge-offs to loans | 0.5783% | 1,141 |
| Credit loss provision to net charge-offs | 10.0000% | 3,902 |
| Earnings coverage of net charge-offs (x) | 2.2520% | 3,773 |
| Efficiency ratio | 82.0472% | 1,883 |
| Assets per employee ($millions) | 2.6244% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 3,494 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 2.4161% | 1,759 |
| Noncurrent loans to loans | 1.1396% | 3,656 |
| Net loans and leases to total assets | 73.8636% | 1,272 |
| Net loans and leases to deposits | 86.8106% | 1,479 |
| Net loans and leases to core deposits | 87.8233% | 2,127 |
| Total domestic deposits to total assets | 85.0859% | 3,854 |
| Equity capital to assets | 9.5241% | 4,555 |
| Core capital (leverage) ratio | 9.1235% | 4,797 |
| Tier 1 risk-based capital ratio | 12.4078% | 5,564 |
| Total risk-based capital ratio | 13.6605% | 5,507 |
| Memoranda: | ||
| Average total assets | $116,670,330 | 4,426 |
| Average earning assets | $103,887,000 | 4,479 |
| Average equity | $10,864,000 | 4,756 |
| Average total loans | $86,459,330 | 3,808 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 510 |
| Cost of funding earning assets | 0.5301% | 3,775 |
| Net interest margin | 4.7709% | 422 |
| Noninterest income to average assets | 1.1563% | 1,122 |
| Noninterest expense to average assets | 4.4138% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9790% | 2,325 |
| Return on assets (ROA) | 0.9790% | 2,454 |
| Pretax return on assets | 0.9790% | 3,444 |
| Return on Equity (ROE) | 10.6326% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.6326% | 953 |
| Net charge-offs to loans | 0.1806% | 2,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.3590% | 2,081 |
| Efficiency ratio | 81.8469% | 2,058 |
| Assets per employee ($millions) | 2.7540% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,859 |
| Loan loss allowance to noncurrent loans | 109.8829% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 2.5916% | 1,763 |
| Noncurrent loans to loans | 1.5790% | 3,161 |
| Net loans and leases to total assets | 71.7850% | 1,388 |
| Net loans and leases to deposits | 83.8553% | 1,612 |
| Net loans and leases to core deposits | 85.1300% | 2,202 |
| Total domestic deposits to total assets | 85.6058% | 3,734 |
| Equity capital to assets | 9.2423% | 5,206 |
| Core capital (leverage) ratio | 8.9839% | 4,914 |
| Tier 1 risk-based capital ratio | 12.0021% | 5,914 |
| Total risk-based capital ratio | 13.2575% | 5,868 |
| Memoranda: | ||
| Average total assets | $117,268,000 | 4,458 |
| Average earning assets | $104,131,000 | 4,512 |
| Average equity | $10,797,000 | 4,811 |
| Average total loans | $86,384,000 | 3,828 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 490 |
| Cost of funding earning assets | 0.7437% | 3,129 |
| Net interest margin | 4.8708% | 477 |
| Noninterest income to average assets | 0.8447% | 2,062 |
| Noninterest expense to average assets | 4.1730% | 799 |
| Loan and lease loss provision to assets | 0.4546% | 1,384 |
| Net operating income to assets | 0.5257% | 4,573 |
| Return on assets (ROA) | 0.5257% | 4,845 |
| Pretax return on assets | 0.5257% | 5,206 |
| Return on Equity (ROE) | 6.1454% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.1454% | 1,994 |
| Net charge-offs to loans | 0.7009% | 1,687 |
| Credit loss provision to net charge-offs | 91.5141% | 3,411 |
| Earnings coverage of net charge-offs (x) | 1.9734% | 4,430 |
| Efficiency ratio | 80.9783% | 2,008 |
| Assets per employee ($millions) | 2.5242% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 2,630 |
| Loan loss allowance to noncurrent loans | 137.3440% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 2.4735% | 1,974 |
| Noncurrent loans to loans | 1.3008% | 3,664 |
| Net loans and leases to total assets | 72.9600% | 1,343 |
| Net loans and leases to deposits | 85.4095% | 1,592 |
| Net loans and leases to core deposits | 86.8196% | 2,208 |
| Total domestic deposits to total assets | 85.4237% | 3,649 |
| Equity capital to assets | 9.1712% | 5,309 |
| Core capital (leverage) ratio | 8.6827% | 5,353 |
| Tier 1 risk-based capital ratio | 11.5505% | 6,061 |
| Total risk-based capital ratio | 12.8063% | 6,025 |
| Memoranda: | ||
| Average total assets | $120,991,000 | 4,341 |
| Average earning assets | $107,025,800 | 4,415 |
| Average equity | $10,349,200 | 4,905 |
| Average total loans | $85,742,800 | 3,855 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6319% | 530 |
| Cost of funding earning assets | 0.7970% | 2,971 |
| Net interest margin | 4.8349% | 537 |
| Noninterest income to average assets | 0.8510% | 2,028 |
| Noninterest expense to average assets | 4.0476% | 876 |
| Loan and lease loss provision to assets | 0.5455% | 1,074 |
| Net operating income to assets | 0.5335% | 4,688 |
| Return on assets (ROA) | 0.5335% | 4,961 |
| Pretax return on assets | 0.5335% | 5,368 |
| Return on Equity (ROE) | 6.3458% | 4,142 |
| Retained earnings to average equity (ytd only) | 6.3458% | 2,459 |
| Net charge-offs to loans | 0.8783% | 1,247 |
| Credit loss provision to net charge-offs | 88.6525% | 3,337 |
| Earnings coverage of net charge-offs (x) | 1.7535% | 4,394 |
| Efficiency ratio | 78.9530% | 2,243 |
| Assets per employee ($millions) | 2.5959% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8191% | 2,733 |
| Loan loss allowance to noncurrent loans | 55.3863% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 4.2375% | 1,123 |
| Noncurrent loans to loans | 3.2844% | 1,675 |
| Net loans and leases to total assets | 69.0171% | 2,110 |
| Net loans and leases to deposits | 80.3310% | 2,342 |
| Net loans and leases to core deposits | 81.6287% | 3,010 |
| Total domestic deposits to total assets | 85.9159% | 3,301 |
| Equity capital to assets | 8.8593% | 5,966 |
| Core capital (leverage) ratio | 8.2498% | 6,086 |
| Tier 1 risk-based capital ratio | 11.3527% | 6,327 |
| Total risk-based capital ratio | 12.6085% | 6,282 |
| Memoranda: | ||
| Average total assets | $122,210,500 | 4,345 |
| Average earning assets | $108,072,500 | 4,434 |
| Average equity | $10,274,250 | 4,965 |
| Average total loans | $85,614,250 | 3,899 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 544 |
| Cost of funding earning assets | 0.8637% | 2,697 |
| Net interest margin | 4.7722% | 591 |
| Noninterest income to average assets | 0.8332% | 2,045 |
| Noninterest expense to average assets | 3.9369% | 1,025 |
| Loan and lease loss provision to assets | 0.4060% | 1,615 |
| Net operating income to assets | 0.7081% | 3,833 |
| Return on assets (ROA) | 0.7081% | 4,091 |
| Pretax return on assets | 0.7081% | 4,812 |
| Return on Equity (ROE) | 8.5720% | 2,989 |
| Retained earnings to average equity (ytd only) | 8.5720% | 1,423 |
| Net charge-offs to loans | 0.7381% | 1,500 |
| Credit loss provision to net charge-offs | 78.6164% | 3,355 |
| Earnings coverage of net charge-offs (x) | 2.1572% | 3,904 |
| Efficiency ratio | 77.9421% | 2,461 |
| Assets per employee ($millions) | 2.6754% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 2,876 |
| Loan loss allowance to noncurrent loans | 97.2542% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 3.2200% | 1,693 |
| Noncurrent loans to loans | 1.8438% | 3,158 |
| Net loans and leases to total assets | 66.3327% | 2,605 |
| Net loans and leases to deposits | 76.4479% | 2,921 |
| Net loans and leases to core deposits | 77.8318% | 3,543 |
| Total domestic deposits to total assets | 86.7685% | 2,913 |
| Equity capital to assets | 8.3129% | 6,371 |
| Core capital (leverage) ratio | 8.0667% | 6,198 |
| Tier 1 risk-based capital ratio | 11.1582% | 6,427 |
| Total risk-based capital ratio | 12.4135% | 6,399 |
| Memoranda: | ||
| Average total assets | $123,143,670 | 4,348 |
| Average earning assets | $108,838,000 | 4,440 |
| Average equity | $10,172,670 | 4,992 |
| Average total loans | $86,172,000 | 3,903 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8128% | 416 |
| Cost of funding earning assets | 0.9266% | 2,465 |
| Net interest margin | 4.8862% | 481 |
| Noninterest income to average assets | 0.6631% | 2,849 |
| Noninterest expense to average assets | 3.8968% | 1,070 |
| Loan and lease loss provision to assets | 0.4924% | 1,239 |
| Net operating income to assets | 0.5844% | 4,422 |
| Return on assets (ROA) | 0.5844% | 4,641 |
| Pretax return on assets | 0.5844% | 5,166 |
| Return on Equity (ROE) | 7.0969% | 3,728 |
| Retained earnings to average equity (ytd only) | 7.0969% | 2,382 |
| Net charge-offs to loans | 0.9863% | 1,058 |
| Credit loss provision to net charge-offs | 70.0935% | 2,909 |
| Earnings coverage of net charge-offs (x) | 1.5327% | 3,565 |
| Efficiency ratio | 78.3498% | 2,447 |
| Assets per employee ($millions) | 2.6153% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 3,131 |
| Loan loss allowance to noncurrent loans | 83.5339% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 3.3241% | 1,737 |
| Noncurrent loans to loans | 2.1055% | 3,024 |
| Net loans and leases to total assets | 69.3888% | 1,866 |
| Net loans and leases to deposits | 79.9865% | 2,204 |
| Net loans and leases to core deposits | 81.4617% | 2,902 |
| Total domestic deposits to total assets | 86.7506% | 3,090 |
| Equity capital to assets | 8.2339% | 6,329 |
| Core capital (leverage) ratio | 8.0556% | 6,206 |
| Tier 1 risk-based capital ratio | 10.7191% | 6,660 |
| Total risk-based capital ratio | 11.9743% | 6,643 |
| Memoranda: | ||
| Average total assets | $121,843,000 | 4,413 |
| Average earning assets | $107,486,500 | 4,499 |
| Average equity | $10,032,500 | 5,033 |
| Average total loans | $86,791,500 | 3,914 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7042% | 774 |
| Cost of funding earning assets | 1.0984% | 2,686 |
| Net interest margin | 4.6058% | 914 |
| Noninterest income to average assets | 0.8091% | 2,009 |
| Noninterest expense to average assets | 4.0369% | 985 |
| Loan and lease loss provision to assets | 0.4046% | 2,572 |
| Net operating income to assets | 0.4458% | 4,666 |
| Return on assets (ROA) | 0.4458% | 4,870 |
| Pretax return on assets | 0.4458% | 5,145 |
| Return on Equity (ROE) | 5.7858% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.7858% | 2,133 |
| Net charge-offs to loans | 0.6636% | 2,499 |
| Credit loss provision to net charge-offs | 86.0034% | 4,199 |
| Earnings coverage of net charge-offs (x) | 1.8078% | 4,431 |
| Efficiency ratio | 82.6002% | 1,937 |
| Assets per employee ($millions) | 2.7447% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8337% | 2,765 |
| Loan loss allowance to noncurrent loans | 110.4094% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 3.3113% | 1,796 |
| Noncurrent loans to loans | 1.6608% | 3,673 |
| Net loans and leases to total assets | 70.5267% | 1,923 |
| Net loans and leases to deposits | 81.4164% | 2,289 |
| Net loans and leases to core deposits | 83.1021% | 3,007 |
| Total domestic deposits to total assets | 86.6247% | 2,961 |
| Equity capital to assets | 8.2340% | 6,401 |
| Core capital (leverage) ratio | 7.8242% | 6,423 |
| Tier 1 risk-based capital ratio | 10.5271% | 6,675 |
| Total risk-based capital ratio | 11.7828% | 6,656 |
| Memoranda: | ||
| Average total assets | $126,063,000 | 4,248 |
| Average earning assets | $111,619,400 | 4,350 |
| Average equity | $9,713,400 | 5,095 |
| Average total loans | $89,362,200 | 3,873 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6951% | 858 |
| Cost of funding earning assets | 1.1459% | 2,657 |
| Net interest margin | 4.5492% | 1,043 |
| Noninterest income to average assets | 0.9273% | 1,555 |
| Noninterest expense to average assets | 3.9857% | 1,021 |
| Loan and lease loss provision to assets | 0.2093% | 3,929 |
| Net operating income to assets | 0.7672% | 3,309 |
| Return on assets (ROA) | 0.7672% | 3,472 |
| Pretax return on assets | 0.7672% | 4,252 |
| Return on Equity (ROE) | 10.1215% | 2,155 |
| Retained earnings to average equity (ytd only) | 10.1215% | 811 |
| Net charge-offs to loans | 0.4073% | 3,094 |
| Credit loss provision to net charge-offs | 72.7273% | 4,390 |
| Earnings coverage of net charge-offs (x) | 3.3927% | 3,452 |
| Efficiency ratio | 80.3206% | 2,211 |
| Assets per employee ($millions) | 2.7303% | 6,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 2,754 |
| Loan loss allowance to noncurrent loans | 151.2772% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 3.1067% | 2,058 |
| Noncurrent loans to loans | 1.2286% | 4,485 |
| Net loans and leases to total assets | 68.7202% | 2,329 |
| Net loans and leases to deposits | 79.2697% | 2,764 |
| Net loans and leases to core deposits | 81.0675% | 3,475 |
| Total domestic deposits to total assets | 86.6916% | 2,830 |
| Equity capital to assets | 8.2711% | 6,511 |
| Core capital (leverage) ratio | 7.9078% | 6,478 |
| Tier 1 risk-based capital ratio | 10.7465% | 6,690 |
| Total risk-based capital ratio | 12.0025% | 6,664 |
| Memoranda: | ||
| Average total assets | $127,387,000 | 4,245 |
| Average earning assets | $112,983,500 | 4,327 |
| Average equity | $9,655,750 | 5,142 |
| Average total loans | $90,011,750 | 3,894 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6575% | 950 |
| Cost of funding earning assets | 1.2196% | 2,443 |
| Net interest margin | 4.4380% | 1,273 |
| Noninterest income to average assets | 0.9325% | 1,523 |
| Noninterest expense to average assets | 3.9970% | 1,057 |
| Loan and lease loss provision to assets | 0.1552% | 4,373 |
| Net operating income to assets | 0.7215% | 3,434 |
| Return on assets (ROA) | 0.7215% | 3,552 |
| Pretax return on assets | 0.7215% | 4,310 |
| Return on Equity (ROE) | 9.8029% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.8029% | 894 |
| Net charge-offs to loans | -0.0526% | 7,038 |
| Credit loss provision to net charge-offs | -416.6667% | 6,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0121% | 2,098 |
| Assets per employee ($millions) | 2.6608% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 2,393 |
| Loan loss allowance to noncurrent loans | 118.0565% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 3.3433% | 1,974 |
| Noncurrent loans to loans | 1.6881% | 3,895 |
| Net loans and leases to total assets | 70.7038% | 2,069 |
| Net loans and leases to deposits | 82.5514% | 2,366 |
| Net loans and leases to core deposits | 83.5444% | 3,280 |
| Total domestic deposits to total assets | 85.6481% | 3,525 |
| Equity capital to assets | 7.8612% | 6,766 |
| Core capital (leverage) ratio | 7.2904% | 6,870 |
| Tier 1 risk-based capital ratio | 10.1807% | 6,919 |
| Total risk-based capital ratio | 11.4386% | 6,904 |
| Memoranda: | ||
| Average total assets | $128,895,330 | 4,250 |
| Average earning assets | $114,466,670 | 4,320 |
| Average equity | $9,487,000 | 5,190 |
| Average total loans | $91,339,000 | 3,909 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5736% | 1,112 |
| Cost of funding earning assets | 1.2584% | 2,444 |
| Net interest margin | 4.3151% | 1,516 |
| Noninterest income to average assets | 0.9999% | 1,326 |
| Noninterest expense to average assets | 3.9751% | 1,068 |
| Loan and lease loss provision to assets | 0.3058% | 2,725 |
| Net operating income to assets | 0.5565% | 4,254 |
| Return on assets (ROA) | 0.5565% | 4,331 |
| Pretax return on assets | 0.5565% | 4,845 |
| Return on Equity (ROE) | 7.8154% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.8154% | 1,804 |
| Net charge-offs to loans | 0.0653% | 4,271 |
| Credit loss provision to net charge-offs | 666.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,167 |
| Efficiency ratio | 82.1745% | 2,201 |
| Assets per employee ($millions) | 2.7966% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 2,628 |
| Loan loss allowance to noncurrent loans | 158.1835% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 2.9290% | 2,361 |
| Noncurrent loans to loans | 1.2132% | 4,659 |
| Net loans and leases to total assets | 68.3921% | 2,476 |
| Net loans and leases to deposits | 78.8167% | 2,926 |
| Net loans and leases to core deposits | 81.2854% | 3,564 |
| Total domestic deposits to total assets | 86.7736% | 3,075 |
| Equity capital to assets | 7.1507% | 7,039 |
| Core capital (leverage) ratio | 7.0231% | 6,998 |
| Tier 1 risk-based capital ratio | 9.7155% | 7,085 |
| Total risk-based capital ratio | 10.9730% | 7,097 |
| Memoranda: | ||
| Average total assets | $130,814,500 | 4,237 |
| Average earning assets | $116,335,000 | 4,292 |
| Average equity | $9,315,000 | 5,229 |
| Average total loans | $91,899,500 | 3,931 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9418% | 958 |
| Cost of funding earning assets | 1.5264% | 2,496 |
| Net interest margin | 4.4155% | 1,430 |
| Noninterest income to average assets | 0.8056% | 2,254 |
| Noninterest expense to average assets | 3.9751% | 1,195 |
| Loan and lease loss provision to assets | 1.4041% | 1,072 |
| Net operating income to assets | -0.6512% | 6,483 |
| Return on assets (ROA) | -0.6512% | 6,514 |
| Pretax return on assets | -0.6512% | 6,427 |
| Return on Equity (ROE) | -8.6346% | 6,655 |
| Retained earnings to average equity (ytd only) | -8.6346% | 6,570 |
| Net charge-offs to loans | 1.8003% | 1,169 |
| Credit loss provision to net charge-offs | 106.3890% | 4,199 |
| Earnings coverage of net charge-offs (x) | 0.5705% | 5,536 |
| Efficiency ratio | 84.0764% | 1,911 |
| Assets per employee ($millions) | 2.8302% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 2,811 |
| Loan loss allowance to noncurrent loans | 92.6397% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 3.3045% | 2,137 |
| Noncurrent loans to loans | 1.9611% | 3,621 |
| Net loans and leases to total assets | 69.4923% | 2,663 |
| Net loans and leases to deposits | 80.2430% | 3,127 |
| Net loans and leases to core deposits | 82.8025% | 3,777 |
| Total domestic deposits to total assets | 86.6023% | 3,030 |
| Equity capital to assets | 7.0906% | 7,081 |
| Core capital (leverage) ratio | 6.7386% | 7,131 |
| Tier 1 risk-based capital ratio | 9.5366% | 7,130 |
| Total risk-based capital ratio | 10.7991% | 7,134 |
| Memoranda: | ||
| Average total assets | $132,827,600 | 4,204 |
| Average earning assets | $117,993,800 | 4,276 |
| Average equity | $10,017,800 | 5,125 |
| Average total loans | $97,371,400 | 3,868 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0081% | 918 |
| Cost of funding earning assets | 1.5884% | 2,452 |
| Net interest margin | 4.4196% | 1,468 |
| Noninterest income to average assets | 1.0907% | 1,200 |
| Noninterest expense to average assets | 3.9373% | 1,142 |
| Loan and lease loss provision to assets | 1.0388% | 1,426 |
| Net operating income to assets | 0.0360% | 5,911 |
| Return on assets (ROA) | 0.0360% | 6,049 |
| Pretax return on assets | 0.0360% | 6,032 |
| Return on Equity (ROE) | 0.4699% | 6,018 |
| Retained earnings to average equity (ytd only) | 0.4699% | 5,611 |
| Net charge-offs to loans | 1.2214% | 1,680 |
| Credit loss provision to net charge-offs | 115.0442% | 3,633 |
| Earnings coverage of net charge-offs (x) | 1.1903% | 4,876 |
| Efficiency ratio | 78.5572% | 2,551 |
| Assets per employee ($millions) | 2.8807% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 2,749 |
| Loan loss allowance to noncurrent loans | 185.9803% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 3.0450% | 2,381 |
| Noncurrent loans to loans | 0.9739% | 5,287 |
| Net loans and leases to total assets | 69.4626% | 2,863 |
| Net loans and leases to deposits | 80.8103% | 3,305 |
| Net loans and leases to core deposits | 83.9401% | 3,946 |
| Total domestic deposits to total assets | 85.9576% | 3,098 |
| Equity capital to assets | 7.7585% | 6,966 |
| Core capital (leverage) ratio | 7.4580% | 6,873 |
| Tier 1 risk-based capital ratio | 10.2749% | 6,916 |
| Total risk-based capital ratio | 11.5311% | 6,900 |
| Memoranda: | ||
| Average total assets | $133,487,750 | 4,239 |
| Average earning assets | $118,438,000 | 4,322 |
| Average equity | $10,214,500 | 5,133 |
| Average total loans | $98,678,250 | 3,902 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0562% | 834 |
| Cost of funding earning assets | 1.6319% | 2,475 |
| Net interest margin | 4.4243% | 1,381 |
| Noninterest income to average assets | 1.0178% | 1,328 |
| Noninterest expense to average assets | 3.9951% | 1,055 |
| Loan and lease loss provision to assets | 1.0761% | 1,339 |
| Net operating income to assets | -0.1270% | 6,263 |
| Return on assets (ROA) | -0.1270% | 6,335 |
| Pretax return on assets | -0.1270% | 6,273 |
| Return on Equity (ROE) | -1.6679% | 6,392 |
| Retained earnings to average equity (ytd only) | -1.6679% | 6,093 |
| Net charge-offs to loans | 1.1224% | 1,690 |
| Credit loss provision to net charge-offs | 127.8863% | 3,143 |
| Earnings coverage of net charge-offs (x) | 1.1279% | 4,660 |
| Efficiency ratio | 80.8041% | 2,330 |
| Assets per employee ($millions) | 2.8249% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 2,866 |
| Loan loss allowance to noncurrent loans | 172.9376% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 2.7838% | 2,600 |
| Noncurrent loans to loans | 1.0158% | 5,278 |
| Net loans and leases to total assets | 72.4079% | 2,301 |
| Net loans and leases to deposits | 85.0415% | 2,695 |
| Net loans and leases to core deposits | 87.7722% | 3,578 |
| Total domestic deposits to total assets | 85.1442% | 3,547 |
| Equity capital to assets | 7.6553% | 7,017 |
| Core capital (leverage) ratio | 7.3004% | 6,999 |
| Tier 1 risk-based capital ratio | 9.8830% | 7,089 |
| Total risk-based capital ratio | 11.1386% | 7,062 |
| Memoranda: | ||
| Average total assets | $133,812,670 | 4,264 |
| Average earning assets | $118,753,670 | 4,342 |
| Average equity | $10,192,330 | 5,144 |
| Average total loans | $100,322,670 | 3,886 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0583% | 865 |
| Cost of funding earning assets | 1.6834% | 2,465 |
| Net interest margin | 4.3749% | 1,457 |
| Noninterest income to average assets | 1.0392% | 1,180 |
| Noninterest expense to average assets | 3.9007% | 1,166 |
| Loan and lease loss provision to assets | 0.6849% | 1,859 |
| Net operating income to assets | 0.3305% | 5,163 |
| Return on assets (ROA) | 0.3305% | 5,293 |
| Pretax return on assets | 0.3305% | 5,523 |
| Return on Equity (ROE) | 4.3502% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.3502% | 3,544 |
| Net charge-offs to loans | 0.0354% | 5,084 |
| Credit loss provision to net charge-offs | 2,555.5556% | 200 |
| Earnings coverage of net charge-offs (x) | 37.8889% | 727 |
| Efficiency ratio | 79.3459% | 2,664 |
| Assets per employee ($millions) | 2.8565% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 2,882 |
| Loan loss allowance to noncurrent loans | 129.5785% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 2.9459% | 2,438 |
| Noncurrent loans to loans | 1.3536% | 4,712 |
| Net loans and leases to total assets | 74.3877% | 1,888 |
| Net loans and leases to deposits | 87.5438% | 2,308 |
| Net loans and leases to core deposits | 90.8462% | 3,251 |
| Total domestic deposits to total assets | 84.9720% | 3,689 |
| Equity capital to assets | 7.6570% | 6,961 |
| Core capital (leverage) ratio | 7.4306% | 6,911 |
| Tier 1 risk-based capital ratio | 9.7505% | 7,180 |
| Total risk-based capital ratio | 11.0069% | 7,177 |
| Memoranda: | ||
| Average total assets | $134,334,000 | 4,321 |
| Average earning assets | $119,044,000 | 4,400 |
| Average equity | $10,206,500 | 5,175 |
| Average total loans | $101,556,500 | 3,900 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3295% | 967 |
| Cost of funding earning assets | 2.0120% | 2,908 |
| Net interest margin | 4.3175% | 1,665 |
| Noninterest income to average assets | 0.7255% | 2,815 |
| Noninterest expense to average assets | 4.0217% | 1,332 |
| Loan and lease loss provision to assets | 1.8788% | 1,188 |
| Net operating income to assets | -1.3422% | 6,788 |
| Return on assets (ROA) | -1.1252% | 6,670 |
| Pretax return on assets | -1.1252% | 6,490 |
| Return on Equity (ROE) | -14.6016% | 6,915 |
| Retained earnings to average equity (ytd only) | -14.6016% | 6,862 |
| Net charge-offs to loans | 2.3360% | 994 |
| Credit loss provision to net charge-offs | 107.6026% | 5,150 |
| Earnings coverage of net charge-offs (x) | 0.3073% | 5,811 |
| Efficiency ratio | 88.2280% | 1,861 |
| Assets per employee ($millions) | 2.8598% | 6,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 3,532 |
| Loan loss allowance to noncurrent loans | 177.5000% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 2.3986% | 2,900 |
| Noncurrent loans to loans | 0.8673% | 5,560 |
| Net loans and leases to total assets | 74.3222% | 2,189 |
| Net loans and leases to deposits | 87.5185% | 2,645 |
| Net loans and leases to core deposits | 105.4867% | 3,395 |
| Total domestic deposits to total assets | 84.9217% | 3,592 |
| Equity capital to assets | 7.5388% | 6,999 |
| Core capital (leverage) ratio | 7.2736% | 7,006 |
| Tier 1 risk-based capital ratio | 9.5951% | 7,164 |
| Total risk-based capital ratio | 10.8483% | 7,144 |
| Memoranda: | ||
| Average total assets | $142,378,200 | 4,071 |
| Average earning assets | $126,392,600 | 4,167 |
| Average equity | $10,971,400 | 5,032 |
| Average total loans | $106,421,000 | 3,770 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3330% | 1,064 |
| Cost of funding earning assets | 2.0660% | 3,047 |
| Net interest margin | 4.2671% | 1,815 |
| Noninterest income to average assets | 0.7222% | 2,871 |
| Noninterest expense to average assets | 3.9592% | 1,333 |
| Loan and lease loss provision to assets | 1.2929% | 1,487 |
| Net operating income to assets | -0.7397% | 6,635 |
| Return on assets (ROA) | -0.4544% | 6,385 |
| Pretax return on assets | -0.4544% | 6,250 |
| Return on Equity (ROE) | -5.8669% | 6,542 |
| Retained earnings to average equity (ytd only) | -5.8669% | 6,374 |
| Net charge-offs to loans | 1.9778% | 1,000 |
| Credit loss provision to net charge-offs | 87.6644% | 5,548 |
| Earnings coverage of net charge-offs (x) | 0.3751% | 5,648 |
| Efficiency ratio | 87.7405% | 1,897 |
| Assets per employee ($millions) | 2.8481% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 5,485 |
| Loan loss allowance to noncurrent loans | 76.1320% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 3.2134% | 2,108 |
| Noncurrent loans to loans | 1.4951% | 4,420 |
| Net loans and leases to total assets | 74.7756% | 2,297 |
| Net loans and leases to deposits | 88.2239% | 2,917 |
| Net loans and leases to core deposits | 105.2802% | 3,786 |
| Total domestic deposits to total assets | 84.7567% | 3,342 |
| Equity capital to assets | 7.8503% | 6,988 |
| Core capital (leverage) ratio | 7.4123% | 7,068 |
| Tier 1 risk-based capital ratio | 9.9243% | 7,039 |
| Total risk-based capital ratio | 11.0373% | 7,114 |
| Memoranda: | ||
| Average total assets | $144,369,750 | 4,064 |
| Average earning assets | $128,234,500 | 4,142 |
| Average equity | $11,181,000 | 5,026 |
| Average total loans | $107,661,250 | 3,781 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3411% | 1,111 |
| Cost of funding earning assets | 2.1270% | 3,152 |
| Net interest margin | 4.2141% | 1,943 |
| Noninterest income to average assets | 0.5540% | 4,004 |
| Noninterest expense to average assets | 3.9517% | 1,396 |
| Loan and lease loss provision to assets | 0.7351% | 2,229 |
| Net operating income to assets | -0.3920% | 6,442 |
| Return on assets (ROA) | 0.0286% | 5,846 |
| Pretax return on assets | 0.0286% | 5,815 |
| Return on Equity (ROE) | 0.3707% | 5,822 |
| Retained earnings to average equity (ytd only) | 0.3707% | 5,070 |
| Net charge-offs to loans | 1.1881% | 1,540 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 0.3889% | 5,299 |
| Efficiency ratio | 92.0127% | 1,638 |
| Assets per employee ($millions) | 3.0084% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,030 |
| Loan loss allowance to noncurrent loans | 40.3895% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 4.3205% | 1,334 |
| Noncurrent loans to loans | 2.9412% | 2,447 |
| Net loans and leases to total assets | 71.3784% | 3,386 |
| Net loans and leases to deposits | 83.4286% | 3,973 |
| Net loans and leases to core deposits | 102.5766% | 4,222 |
| Total domestic deposits to total assets | 85.5562% | 2,993 |
| Equity capital to assets | 7.4912% | 7,275 |
| Core capital (leverage) ratio | 7.3462% | 7,194 |
| Tier 1 risk-based capital ratio | 9.8067% | 7,129 |
| Total risk-based capital ratio | 10.9344% | 7,187 |
| Memoranda: | ||
| Average total assets | $146,923,330 | 4,054 |
| Average earning assets | $130,420,000 | 4,126 |
| Average equity | $11,330,670 | 4,992 |
| Average total loans | $109,081,000 | 3,783 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3834% | 1,102 |
| Cost of funding earning assets | 2.1422% | 3,453 |
| Net interest margin | 4.2412% | 1,774 |
| Noninterest income to average assets | 0.8781% | 1,938 |
| Noninterest expense to average assets | 3.7851% | 1,497 |
| Loan and lease loss provision to assets | 0.6545% | 1,930 |
| Net operating income to assets | 0.1909% | 5,685 |
| Return on assets (ROA) | 0.1909% | 5,859 |
| Pretax return on assets | 0.1909% | 5,962 |
| Return on Equity (ROE) | 2.4402% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.4402% | 4,520 |
| Net charge-offs to loans | 0.7429% | 1,701 |
| Credit loss provision to net charge-offs | 117.0732% | 3,333 |
| Earnings coverage of net charge-offs (x) | 1.5122% | 3,977 |
| Efficiency ratio | 81.7432% | 2,570 |
| Assets per employee ($millions) | 2.8975% | 6,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 4,249 |
| Loan loss allowance to noncurrent loans | 64.7518% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 3.8169% | 1,379 |
| Noncurrent loans to loans | 1.9671% | 3,310 |
| Net loans and leases to total assets | 72.4844% | 3,126 |
| Net loans and leases to deposits | 84.5819% | 3,881 |
| Net loans and leases to core deposits | 104.5541% | 4,074 |
| Total domestic deposits to total assets | 85.6973% | 2,874 |
| Equity capital to assets | 7.6378% | 7,233 |
| Core capital (leverage) ratio | 7.4548% | 7,206 |
| Tier 1 risk-based capital ratio | 9.2841% | 7,602 |
| Total risk-based capital ratio | 10.4679% | 7,649 |
| Memoranda: | ||
| Average total assets | $146,678,500 | 4,063 |
| Average earning assets | $129,773,500 | 4,161 |
| Average equity | $11,474,500 | 4,984 |
| Average total loans | $110,378,500 | 3,780 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1341% | 849 |
| Cost of funding earning assets | 2.5675% | 3,865 |
| Net interest margin | 4.5666% | 1,266 |
| Noninterest income to average assets | 1.1089% | 1,276 |
| Noninterest expense to average assets | 4.3301% | 1,010 |
| Loan and lease loss provision to assets | 1.4165% | 973 |
| Net operating income to assets | -0.5978% | 7,002 |
| Return on assets (ROA) | -0.5687% | 6,867 |
| Pretax return on assets | -0.5687% | 6,707 |
| Return on Equity (ROE) | -6.8201% | 7,029 |
| Retained earnings to average equity (ytd only) | -12.6243% | 7,300 |
| Net charge-offs to loans | 1.8869% | 583 |
| Credit loss provision to net charge-offs | 99.3184% | 5,400 |
| Earnings coverage of net charge-offs (x) | 0.5740% | 5,879 |
| Efficiency ratio | 84.0998% | 2,046 |
| Assets per employee ($millions) | 2.7978% | 6,564 |
| Cash dividends to net income (ytd only)* | -85.1038% | 8,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 4,180 |
| Loan loss allowance to noncurrent loans | 60.7253% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 4.2576% | 928 |
| Noncurrent loans to loans | 2.0529% | 2,693 |
| Net loans and leases to total assets | 76.2247% | 2,562 |
| Net loans and leases to deposits | 90.8500% | 3,309 |
| Net loans and leases to core deposits | 107.2889% | 4,049 |
| Total domestic deposits to total assets | 83.9017% | 3,369 |
| Equity capital to assets | 8.0183% | 6,822 |
| Core capital (leverage) ratio | 7.5886% | 7,088 |
| Tier 1 risk-based capital ratio | 9.3152% | 7,505 |
| Total risk-based capital ratio | 10.4801% | 7,532 |
| Memoranda: | ||
| Average total assets | $144,016,400 | 4,007 |
| Average earning assets | $127,402,000 | 4,100 |
| Average equity | $12,008,600 | 4,822 |
| Average total loans | $108,856,000 | 3,707 |