Home > Century Bank > Performance and Condition Ratios
Century Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 4,730 |
| Cost of funding earning assets | 0.6575% | 3,131 |
| Net interest margin | 2.7441% | 4,623 |
| Noninterest income to average assets | 0.2292% | 4,175 |
| Noninterest expense to average assets | 1.9123% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5872% | 3,634 |
| Return on assets (ROA) | 0.6763% | 3,414 |
| Pretax return on assets | 1.0482% | 2,671 |
| Return on Equity (ROE) | 7.6050% | 2,682 |
| Retained earnings to average equity (ytd only) | -9.3372% | 4,743 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1504% | 2,798 |
| Assets per employee ($millions) | 7.4011% | 935 |
| Cash dividends to net income (ytd only)* | 222.7778% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 2,053 |
| Loan loss allowance to noncurrent loans | 101.7054% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 2,148 |
| Noncurrent loans to loans | 1.2973% | 1,262 |
| Net loans and leases to total assets | 47.3513% | 4,370 |
| Net loans and leases to deposits | 59.7091% | 4,211 |
| Net loans and leases to core deposits | 61.3625% | 4,298 |
| Total domestic deposits to total assets | 79.3032% | 3,992 |
| Equity capital to assets | 9.1618% | 4,498 |
| Core capital (leverage) ratio | 9.0076% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9821% | 1,912 |
| Memoranda: | ||
| Average total assets | $106,467,500 | 3,895 |
| Average earning assets | $101,598,500 | 3,857 |
| Average equity | $9,467,500 | 4,298 |
| Average total loans | $48,995,000 | 4,173 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 4,516 |
| Cost of funding earning assets | 0.7433% | 2,954 |
| Net interest margin | 3.0965% | 4,372 |
| Noninterest income to average assets | 0.2667% | 4,085 |
| Noninterest expense to average assets | 1.7875% | 4,784 |
| Loan and lease loss provision to assets | 0.0252% | 3,511 |
| Net operating income to assets | 1.0971% | 2,457 |
| Return on assets (ROA) | 1.0971% | 2,554 |
| Pretax return on assets | 1.3849% | 2,222 |
| Return on Equity (ROE) | 11.7282% | 1,610 |
| Retained earnings to average equity (ytd only) | 1.9691% | 4,014 |
| Net charge-offs to loans | 0.1093% | 1,641 |
| Credit loss provision to net charge-offs | 44.6429% | 3,167 |
| Earnings coverage of net charge-offs (x) | 25.0179% | 1,748 |
| Efficiency ratio | 55.9018% | 4,215 |
| Assets per employee ($millions) | 9.1100% | 487 |
| Cash dividends to net income (ytd only)* | 83.2110% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 1,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 43.5556% | 4,618 |
| Net loans and leases to deposits | 53.0346% | 4,568 |
| Net loans and leases to core deposits | 54.7809% | 4,625 |
| Total domestic deposits to total assets | 82.1268% | 3,476 |
| Equity capital to assets | 8.6370% | 4,855 |
| Core capital (leverage) ratio | 9.0431% | 4,497 |
| Tier 1 risk-based capital ratio | 14.3628% | 3,086 |
| Total risk-based capital ratio | 15.3491% | 3,131 |
| Memoranda: | ||
| Average total assets | $99,354,400 | 4,011 |
| Average earning assets | $94,040,200 | 3,968 |
| Average equity | $9,293,800 | 4,334 |
| Average total loans | $51,216,000 | 4,156 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 4,450 |
| Cost of funding earning assets | 0.7430% | 2,997 |
| Net interest margin | 3.2123% | 4,270 |
| Noninterest income to average assets | 0.2767% | 4,097 |
| Noninterest expense to average assets | 1.8307% | 4,777 |
| Loan and lease loss provision to assets | 0.0344% | 3,213 |
| Net operating income to assets | 1.0888% | 2,615 |
| Return on assets (ROA) | 1.0888% | 2,708 |
| Pretax return on assets | 1.4467% | 2,130 |
| Return on Equity (ROE) | 11.3932% | 1,843 |
| Retained earnings to average equity (ytd only) | 2.0597% | 4,249 |
| Net charge-offs to loans | 0.1437% | 1,132 |
| Credit loss provision to net charge-offs | 44.6429% | 2,825 |
| Earnings coverage of net charge-offs (x) | 19.2155% | 2,011 |
| Efficiency ratio | 55.2785% | 4,245 |
| Assets per employee ($millions) | 7.3392% | 901 |
| Cash dividends to net income (ytd only)* | 81.9218% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 47.2929% | 4,532 |
| Net loans and leases to deposits | 61.3563% | 4,321 |
| Net loans and leases to core deposits | 63.6492% | 4,390 |
| Total domestic deposits to total assets | 77.0791% | 4,506 |
| Equity capital to assets | 9.2439% | 4,637 |
| Core capital (leverage) ratio | 9.8962% | 3,740 |
| Tier 1 risk-based capital ratio | 14.2741% | 3,187 |
| Total risk-based capital ratio | 15.2586% | 3,235 |
| Memoranda: | ||
| Average total assets | $96,863,000 | 4,094 |
| Average earning assets | $91,521,250 | 4,067 |
| Average equity | $9,256,750 | 4,382 |
| Average total loans | $51,952,250 | 4,189 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 4,253 |
| Cost of funding earning assets | 0.7450% | 2,917 |
| Net interest margin | 3.3166% | 4,103 |
| Noninterest income to average assets | 0.2866% | 4,025 |
| Noninterest expense to average assets | 1.9051% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1422% | 2,363 |
| Return on assets (ROA) | 1.1422% | 2,439 |
| Pretax return on assets | 1.5153% | 1,811 |
| Return on Equity (ROE) | 11.8130% | 1,656 |
| Retained earnings to average equity (ytd only) | -2.3103% | 4,934 |
| Net charge-offs to loans | 0.2119% | 785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 12.8393% | 2,131 |
| Efficiency ratio | 55.6993% | 4,285 |
| Assets per employee ($millions) | 6.4598% | 1,261 |
| Cash dividends to net income (ytd only)* | 119.5572% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.2194% | 4,278 |
| Net loans and leases to deposits | 67.1205% | 4,016 |
| Net loans and leases to core deposits | 69.2327% | 4,141 |
| Total domestic deposits to total assets | 79.2893% | 4,162 |
| Equity capital to assets | 9.5245% | 4,383 |
| Core capital (leverage) ratio | 9.6912% | 3,941 |
| Tier 1 risk-based capital ratio | 13.8368% | 3,403 |
| Total risk-based capital ratio | 14.7792% | 3,463 |
| Memoranda: | ||
| Average total assets | $94,901,000 | 4,146 |
| Average earning assets | $89,669,670 | 4,120 |
| Average equity | $9,176,330 | 4,412 |
| Average total loans | $52,853,330 | 4,201 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 4,409 |
| Cost of funding earning assets | 0.6956% | 3,079 |
| Net interest margin | 3.2839% | 4,202 |
| Noninterest income to average assets | 0.2769% | 4,032 |
| Noninterest expense to average assets | 1.9126% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1033% | 2,450 |
| Return on assets (ROA) | 1.1033% | 2,500 |
| Pretax return on assets | 1.4611% | 1,883 |
| Return on Equity (ROE) | 11.3224% | 1,817 |
| Retained earnings to average equity (ytd only) | 11.3224% | 745 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6919% | 4,251 |
| Assets per employee ($millions) | 6.4986% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,040 |
| Loan loss allowance to noncurrent loans | 62.5114% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 1,214 |
| Noncurrent loans to loans | 2.0974% | 701 |
| Net loans and leases to total assets | 53.0483% | 4,270 |
| Net loans and leases to deposits | 66.5984% | 4,007 |
| Net loans and leases to core deposits | 68.4361% | 4,159 |
| Total domestic deposits to total assets | 79.6541% | 4,228 |
| Equity capital to assets | 9.6534% | 4,128 |
| Core capital (leverage) ratio | 10.6897% | 2,858 |
| Tier 1 risk-based capital ratio | 14.1644% | 3,265 |
| Total risk-based capital ratio | 15.1751% | 3,295 |
| Memoranda: | ||
| Average total assets | $93,903,000 | 4,200 |
| Average earning assets | $88,553,500 | 4,171 |
| Average equity | $9,150,000 | 4,442 |
| Average total loans | $53,180,500 | 4,238 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 4,381 |
| Cost of funding earning assets | 0.5642% | 2,962 |
| Net interest margin | 3.2906% | 4,278 |
| Noninterest income to average assets | 0.3195% | 3,974 |
| Noninterest expense to average assets | 2.0000% | 4,752 |
| Loan and lease loss provision to assets | 0.1363% | 1,581 |
| Net operating income to assets | 0.9923% | 3,043 |
| Return on assets (ROA) | 0.9880% | 3,064 |
| Pretax return on assets | 1.2813% | 2,573 |
| Return on Equity (ROE) | 10.5442% | 2,266 |
| Retained earnings to average equity (ytd only) | 3.5496% | 3,633 |
| Net charge-offs to loans | 0.3212% | 606 |
| Credit loss provision to net charge-offs | 73.5294% | 2,947 |
| Earnings coverage of net charge-offs (x) | 7.6765% | 2,965 |
| Efficiency ratio | 58.4263% | 4,093 |
| Assets per employee ($millions) | 6.0218% | 1,504 |
| Cash dividends to net income (ytd only)* | 66.3355% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,181 |
| Loan loss allowance to noncurrent loans | 283.8843% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 3,509 |
| Noncurrent loans to loans | 0.4485% | 2,932 |
| Net loans and leases to total assets | 58.9813% | 3,875 |
| Net loans and leases to deposits | 72.8930% | 3,594 |
| Net loans and leases to core deposits | 74.6089% | 3,812 |
| Total domestic deposits to total assets | 80.9149% | 3,911 |
| Equity capital to assets | 9.8420% | 3,823 |
| Core capital (leverage) ratio | 10.6459% | 2,892 |
| Tier 1 risk-based capital ratio | 13.9064% | 3,325 |
| Total risk-based capital ratio | 14.9261% | 3,372 |
| Memoranda: | ||
| Average total assets | $91,700,400 | 4,239 |
| Average earning assets | $86,488,400 | 4,211 |
| Average equity | $8,592,400 | 4,513 |
| Average total loans | $52,928,800 | 4,244 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 4,510 |
| Cost of funding earning assets | 0.5338% | 2,968 |
| Net interest margin | 3.2334% | 4,444 |
| Noninterest income to average assets | 0.3259% | 3,961 |
| Noninterest expense to average assets | 1.9845% | 4,771 |
| Loan and lease loss provision to assets | 0.0362% | 3,281 |
| Net operating income to assets | 1.0472% | 2,878 |
| Return on assets (ROA) | 1.0415% | 2,920 |
| Pretax return on assets | 1.3515% | 2,420 |
| Return on Equity (ROE) | 11.2543% | 2,069 |
| Retained earnings to average equity (ytd only) | 1.8470% | 4,625 |
| Net charge-offs to loans | 0.0228% | 2,685 |
| Credit loss provision to net charge-offs | 277.7778% | 1,081 |
| Earnings coverage of net charge-offs (x) | 106.9975% | 713 |
| Efficiency ratio | 58.7227% | 4,004 |
| Assets per employee ($millions) | 5.6729% | 1,755 |
| Cash dividends to net income (ytd only)* | 83.5882% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 1,884 |
| Loan loss allowance to noncurrent loans | 177.2512% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 2,831 |
| Noncurrent loans to loans | 0.7617% | 2,183 |
| Net loans and leases to total assets | 60.2179% | 3,819 |
| Net loans and leases to deposits | 75.1902% | 3,491 |
| Net loans and leases to core deposits | 76.9658% | 3,743 |
| Total domestic deposits to total assets | 80.0875% | 4,099 |
| Equity capital to assets | 9.3073% | 4,265 |
| Core capital (leverage) ratio | 10.3942% | 3,191 |
| Tier 1 risk-based capital ratio | 13.2891% | 3,731 |
| Total risk-based capital ratio | 14.3717% | 3,745 |
| Memoranda: | ||
| Average total assets | $92,043,750 | 4,280 |
| Average earning assets | $86,923,000 | 4,250 |
| Average equity | $8,518,000 | 4,571 |
| Average total loans | $52,670,250 | 4,297 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 4,510 |
| Cost of funding earning assets | 0.5001% | 3,011 |
| Net interest margin | 3.2321% | 4,431 |
| Noninterest income to average assets | 0.3309% | 3,972 |
| Noninterest expense to average assets | 1.9531% | 4,875 |
| Loan and lease loss provision to assets | 0.0541% | 2,827 |
| Net operating income to assets | 1.0554% | 2,785 |
| Return on assets (ROA) | 1.0468% | 2,818 |
| Pretax return on assets | 1.3605% | 2,294 |
| Return on Equity (ROE) | 11.3331% | 1,982 |
| Retained earnings to average equity (ytd only) | -2.7396% | 5,200 |
| Net charge-offs to loans | 0.0348% | 2,154 |
| Credit loss provision to net charge-offs | 277.7778% | 1,070 |
| Earnings coverage of net charge-offs (x) | 73.2222% | 879 |
| Efficiency ratio | 57.8105% | 4,264 |
| Assets per employee ($millions) | 5.6632% | 1,746 |
| Cash dividends to net income (ytd only)* | 124.1736% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,732 |
| Loan loss allowance to noncurrent loans | 143.0210% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 2,499 |
| Noncurrent loans to loans | 0.9822% | 1,781 |
| Net loans and leases to total assets | 57.9389% | 3,995 |
| Net loans and leases to deposits | 74.0904% | 3,521 |
| Net loans and leases to core deposits | 75.8821% | 3,752 |
| Total domestic deposits to total assets | 78.2002% | 4,550 |
| Equity capital to assets | 9.1313% | 4,449 |
| Core capital (leverage) ratio | 10.0441% | 3,531 |
| Tier 1 risk-based capital ratio | 13.1521% | 3,821 |
| Total risk-based capital ratio | 14.2517% | 3,812 |
| Memoranda: | ||
| Average total assets | $92,469,330 | 4,306 |
| Average earning assets | $87,188,000 | 4,270 |
| Average equity | $8,541,330 | 4,604 |
| Average total loans | $51,758,330 | 4,354 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 4,711 |
| Cost of funding earning assets | 0.4639% | 3,097 |
| Net interest margin | 3.1333% | 4,636 |
| Noninterest income to average assets | 0.3212% | 4,006 |
| Noninterest expense to average assets | 1.9743% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9977% | 2,867 |
| Return on assets (ROA) | 0.9807% | 2,963 |
| Pretax return on assets | 1.2763% | 2,452 |
| Return on Equity (ROE) | 10.5591% | 2,149 |
| Retained earnings to average equity (ytd only) | 10.5591% | 1,002 |
| Net charge-offs to loans | 0.0549% | 1,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.2857% | 1,024 |
| Efficiency ratio | 60.3403% | 4,020 |
| Assets per employee ($millions) | 5.7830% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,929 |
| Loan loss allowance to noncurrent loans | 1,812.5000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 4,789 |
| Noncurrent loans to loans | 0.0760% | 4,644 |
| Net loans and leases to total assets | 56.1073% | 4,112 |
| Net loans and leases to deposits | 71.1009% | 3,691 |
| Net loans and leases to core deposits | 73.0395% | 3,880 |
| Total domestic deposits to total assets | 78.9123% | 4,593 |
| Equity capital to assets | 9.3464% | 4,231 |
| Core capital (leverage) ratio | 10.3789% | 3,082 |
| Tier 1 risk-based capital ratio | 13.8149% | 3,489 |
| Total risk-based capital ratio | 14.8927% | 3,488 |
| Memoranda: | ||
| Average total assets | $93,398,500 | 4,340 |
| Average earning assets | $87,959,000 | 4,301 |
| Average equity | $8,675,000 | 4,629 |
| Average total loans | $51,014,000 | 4,419 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 4,846 |
| Cost of funding earning assets | 0.3662% | 3,551 |
| Net interest margin | 3.0958% | 4,700 |
| Noninterest income to average assets | 0.3589% | 3,903 |
| Noninterest expense to average assets | 2.0022% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0260% | 2,131 |
| Return on assets (ROA) | 1.0339% | 2,142 |
| Pretax return on assets | 1.2801% | 2,430 |
| Return on Equity (ROE) | 11.0656% | 1,453 |
| Retained earnings to average equity (ytd only) | 5.1288% | 2,044 |
| Net charge-offs to loans | -0.0145% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1836% | 4,082 |
| Assets per employee ($millions) | 5.8918% | 1,594 |
| Cash dividends to net income (ytd only)* | 53.6508% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,468 |
| Loan loss allowance to noncurrent loans | 1,002.7397% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 4,729 |
| Noncurrent loans to loans | 0.1478% | 4,334 |
| Net loans and leases to total assets | 51.6140% | 4,543 |
| Net loans and leases to deposits | 68.1161% | 4,019 |
| Net loans and leases to core deposits | 70.0117% | 4,172 |
| Total domestic deposits to total assets | 75.7736% | 4,999 |
| Equity capital to assets | 9.2310% | 4,498 |
| Core capital (leverage) ratio | 10.1075% | 3,310 |
| Tier 1 risk-based capital ratio | 13.9788% | 3,373 |
| Total risk-based capital ratio | 15.1077% | 3,349 |
| Memoranda: | ||
| Average total assets | $91,399,000 | 4,401 |
| Average earning assets | $86,021,000 | 4,361 |
| Average equity | $8,540,000 | 4,698 |
| Average total loans | $48,158,000 | 4,511 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 4,855 |
| Cost of funding earning assets | 0.3580% | 3,587 |
| Net interest margin | 3.1158% | 4,674 |
| Noninterest income to average assets | 0.3573% | 3,972 |
| Noninterest expense to average assets | 1.9967% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8820% | 3,119 |
| Return on assets (ROA) | 0.8910% | 3,123 |
| Pretax return on assets | 1.3042% | 2,468 |
| Return on Equity (ROE) | 9.5062% | 2,347 |
| Retained earnings to average equity (ytd only) | 1.5530% | 4,803 |
| Net charge-offs to loans | -0.0195% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7335% | 4,084 |
| Assets per employee ($millions) | 6.0135% | 1,485 |
| Cash dividends to net income (ytd only)* | 83.6630% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 1,344 |
| Loan loss allowance to noncurrent loans | 1,702.3256% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,995 |
| Noncurrent loans to loans | 0.0914% | 4,703 |
| Net loans and leases to total assets | 51.3409% | 4,624 |
| Net loans and leases to deposits | 63.7313% | 4,396 |
| Net loans and leases to core deposits | 65.4721% | 4,517 |
| Total domestic deposits to total assets | 80.5583% | 4,189 |
| Equity capital to assets | 9.5873% | 4,356 |
| Core capital (leverage) ratio | 9.6595% | 3,978 |
| Tier 1 risk-based capital ratio | 14.4909% | 3,187 |
| Total risk-based capital ratio | 15.7067% | 3,123 |
| Memoranda: | ||
| Average total assets | $90,681,500 | 4,457 |
| Average earning assets | $85,283,000 | 4,414 |
| Average equity | $8,499,500 | 4,751 |
| Average total loans | $47,850,500 | 4,562 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 4,921 |
| Cost of funding earning assets | 0.3395% | 3,697 |
| Net interest margin | 3.0883% | 4,714 |
| Noninterest income to average assets | 0.3545% | 4,023 |
| Noninterest expense to average assets | 1.9683% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8682% | 3,081 |
| Return on assets (ROA) | 0.8697% | 3,122 |
| Pretax return on assets | 1.2924% | 2,414 |
| Return on Equity (ROE) | 9.3491% | 2,331 |
| Retained earnings to average equity (ytd only) | -2.6509% | 5,394 |
| Net charge-offs to loans | -0.0042% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4054% | 4,264 |
| Assets per employee ($millions) | 6.2519% | 1,287 |
| Cash dividends to net income (ytd only)* | 128.3544% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 1,401 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 5,043 |
| Noncurrent loans to loans | 0.0939% | 4,748 |
| Net loans and leases to total assets | 49.2072% | 4,754 |
| Net loans and leases to deposits | 62.2635% | 4,490 |
| Net loans and leases to core deposits | 63.7059% | 4,622 |
| Total domestic deposits to total assets | 79.0305% | 4,615 |
| Equity capital to assets | 9.0361% | 4,863 |
| Core capital (leverage) ratio | 9.1887% | 4,507 |
| Tier 1 risk-based capital ratio | 14.0760% | 3,391 |
| Total risk-based capital ratio | 15.2763% | 3,329 |
| Memoranda: | ||
| Average total assets | $90,841,000 | 4,484 |
| Average earning assets | $85,420,330 | 4,441 |
| Average equity | $8,450,000 | 4,774 |
| Average total loans | $48,119,670 | 4,577 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 5,001 |
| Cost of funding earning assets | 0.3149% | 3,904 |
| Net interest margin | 3.0534% | 4,782 |
| Noninterest income to average assets | 0.3536% | 4,011 |
| Noninterest expense to average assets | 1.9962% | 5,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8280% | 3,086 |
| Return on assets (ROA) | 0.8280% | 3,141 |
| Pretax return on assets | 1.2219% | 2,506 |
| Return on Equity (ROE) | 8.7699% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.7699% | 1,155 |
| Net charge-offs to loans | -0.0082% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0306% | 4,143 |
| Assets per employee ($millions) | 6.1305% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,466 |
| Loan loss allowance to noncurrent loans | 955.2632% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,942 |
| Noncurrent loans to loans | 0.1639% | 4,528 |
| Net loans and leases to total assets | 49.6498% | 4,699 |
| Net loans and leases to deposits | 59.9142% | 4,569 |
| Net loans and leases to core deposits | 61.4677% | 4,693 |
| Total domestic deposits to total assets | 82.8683% | 3,897 |
| Equity capital to assets | 9.2966% | 4,518 |
| Core capital (leverage) ratio | 10.0936% | 3,384 |
| Tier 1 risk-based capital ratio | 14.9271% | 3,001 |
| Total risk-based capital ratio | 16.1570% | 2,936 |
| Memoranda: | ||
| Average total assets | $89,372,000 | 4,552 |
| Average earning assets | $83,840,000 | 4,510 |
| Average equity | $8,438,000 | 4,818 |
| Average total loans | $48,743,500 | 4,599 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 4,787 |
| Cost of funding earning assets | 0.3226% | 3,818 |
| Net interest margin | 3.1759% | 4,515 |
| Noninterest income to average assets | 0.3674% | 4,115 |
| Noninterest expense to average assets | 1.9578% | 5,271 |
| Loan and lease loss provision to assets | 0.0576% | 3,236 |
| Net operating income to assets | 0.9530% | 2,568 |
| Return on assets (ROA) | 0.9812% | 2,536 |
| Pretax return on assets | 1.3612% | 2,062 |
| Return on Equity (ROE) | 10.1880% | 1,883 |
| Retained earnings to average equity (ytd only) | 4.2689% | 2,874 |
| Net charge-offs to loans | 0.0493% | 3,059 |
| Credit loss provision to net charge-offs | 192.3077% | 1,475 |
| Earnings coverage of net charge-offs (x) | 46.0769% | 1,062 |
| Efficiency ratio | 58.6611% | 4,763 |
| Assets per employee ($millions) | 5.4241% | 1,930 |
| Cash dividends to net income (ytd only)* | 58.0986% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 2,005 |
| Loan loss allowance to noncurrent loans | 917.7215% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,964 |
| Noncurrent loans to loans | 0.1546% | 4,622 |
| Net loans and leases to total assets | 58.0497% | 4,062 |
| Net loans and leases to deposits | 74.9431% | 3,423 |
| Net loans and leases to core deposits | 76.8570% | 3,676 |
| Total domestic deposits to total assets | 77.4583% | 5,053 |
| Equity capital to assets | 9.5949% | 4,175 |
| Core capital (leverage) ratio | 9.8930% | 3,638 |
| Tier 1 risk-based capital ratio | 14.0541% | 3,434 |
| Total risk-based capital ratio | 15.2353% | 3,381 |
| Memoranda: | ||
| Average total assets | $86,834,000 | 4,606 |
| Average earning assets | $81,205,400 | 4,561 |
| Average equity | $8,362,800 | 4,874 |
| Average total loans | $52,717,400 | 4,499 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 4,776 |
| Cost of funding earning assets | 0.3161% | 3,915 |
| Net interest margin | 3.1953% | 4,502 |
| Noninterest income to average assets | 0.4068% | 3,876 |
| Noninterest expense to average assets | 1.9713% | 5,262 |
| Loan and lease loss provision to assets | 0.0768% | 2,691 |
| Net operating income to assets | 0.9410% | 2,699 |
| Return on assets (ROA) | 0.9764% | 2,665 |
| Pretax return on assets | 1.4048% | 2,022 |
| Return on Equity (ROE) | 10.1291% | 2,001 |
| Retained earnings to average equity (ytd only) | 2.2456% | 4,575 |
| Net charge-offs to loans | 0.0653% | 2,407 |
| Credit loss provision to net charge-offs | 192.3077% | 1,477 |
| Earnings coverage of net charge-offs (x) | 35.8419% | 1,326 |
| Efficiency ratio | 57.9422% | 4,822 |
| Assets per employee ($millions) | 6.3745% | 1,193 |
| Cash dividends to net income (ytd only)* | 77.8297% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 2,223 |
| Loan loss allowance to noncurrent loans | 739.7959% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 4,984 |
| Noncurrent loans to loans | 0.1886% | 4,591 |
| Net loans and leases to total assets | 57.4151% | 4,149 |
| Net loans and leases to deposits | 73.4188% | 3,650 |
| Net loans and leases to core deposits | 75.2209% | 3,903 |
| Total domestic deposits to total assets | 78.2022% | 4,877 |
| Equity capital to assets | 9.4540% | 4,710 |
| Core capital (leverage) ratio | 9.7463% | 3,877 |
| Tier 1 risk-based capital ratio | 13.4817% | 3,869 |
| Total risk-based capital ratio | 14.6439% | 3,834 |
| Memoranda: | ||
| Average total assets | $86,846,000 | 4,638 |
| Average earning assets | $81,408,500 | 4,594 |
| Average equity | $8,371,750 | 4,918 |
| Average total loans | $53,120,750 | 4,523 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 4,699 |
| Cost of funding earning assets | 0.3106% | 4,010 |
| Net interest margin | 3.2527% | 4,368 |
| Noninterest income to average assets | 0.4207% | 3,733 |
| Noninterest expense to average assets | 2.0036% | 5,259 |
| Loan and lease loss provision to assets | 0.1162% | 1,950 |
| Net operating income to assets | 0.9460% | 2,641 |
| Return on assets (ROA) | 0.9460% | 2,785 |
| Pretax return on assets | 1.3435% | 2,231 |
| Return on Equity (ROE) | 9.7485% | 2,162 |
| Retained earnings to average equity (ytd only) | -2.1078% | 5,556 |
| Net charge-offs to loans | 0.1047% | 1,782 |
| Credit loss provision to net charge-offs | 178.5714% | 1,411 |
| Earnings coverage of net charge-offs (x) | 22.4286% | 1,628 |
| Efficiency ratio | 57.8523% | 4,922 |
| Assets per employee ($millions) | 5.7657% | 1,571 |
| Cash dividends to net income (ytd only)* | 121.6216% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,407 |
| Loan loss allowance to noncurrent loans | 1,291.0714% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,162 |
| Noncurrent loans to loans | 0.1066% | 5,017 |
| Net loans and leases to total assets | 59.9137% | 3,892 |
| Net loans and leases to deposits | 76.9403% | 3,276 |
| Net loans and leases to core deposits | 78.8967% | 3,562 |
| Total domestic deposits to total assets | 77.8704% | 5,027 |
| Equity capital to assets | 9.5541% | 4,711 |
| Core capital (leverage) ratio | 9.6953% | 3,933 |
| Tier 1 risk-based capital ratio | 13.0844% | 4,154 |
| Total risk-based capital ratio | 14.2407% | 4,119 |
| Memoranda: | ||
| Average total assets | $86,047,000 | 4,690 |
| Average earning assets | $80,487,670 | 4,654 |
| Average equity | $8,350,000 | 4,960 |
| Average total loans | $53,506,330 | 4,541 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 4,534 |
| Cost of funding earning assets | 0.3110% | 4,048 |
| Net interest margin | 3.3208% | 4,138 |
| Noninterest income to average assets | 0.4427% | 3,534 |
| Noninterest expense to average assets | 2.0460% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0346% | 2,144 |
| Return on assets (ROA) | 1.0346% | 2,265 |
| Pretax return on assets | 1.4820% | 1,650 |
| Return on Equity (ROE) | 10.5796% | 1,753 |
| Retained earnings to average equity (ytd only) | 10.5796% | 723 |
| Net charge-offs to loans | 0.0296% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 640 |
| Efficiency ratio | 57.9921% | 4,998 |
| Assets per employee ($millions) | 6.1799% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,905 |
| Loan loss allowance to noncurrent loans | 1,267.2727% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 5,347 |
| Noncurrent loans to loans | 0.1025% | 5,060 |
| Net loans and leases to total assets | 61.2120% | 3,631 |
| Net loans and leases to deposits | 78.6130% | 2,938 |
| Net loans and leases to core deposits | 80.6088% | 3,274 |
| Total domestic deposits to total assets | 77.8650% | 5,169 |
| Equity capital to assets | 9.8475% | 4,274 |
| Core capital (leverage) ratio | 10.2831% | 3,219 |
| Tier 1 risk-based capital ratio | 13.3660% | 4,059 |
| Total risk-based capital ratio | 14.4631% | 4,065 |
| Memoranda: | ||
| Average total assets | $85,827,500 | 4,736 |
| Average earning assets | $79,741,000 | 4,713 |
| Average equity | $8,393,500 | 4,976 |
| Average total loans | $53,989,500 | 4,554 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 4,912 |
| Cost of funding earning assets | 0.3192% | 4,043 |
| Net interest margin | 3.1830% | 4,677 |
| Noninterest income to average assets | 0.3897% | 4,111 |
| Noninterest expense to average assets | 1.9577% | 5,531 |
| Loan and lease loss provision to assets | 0.0583% | 3,144 |
| Net operating income to assets | 1.0335% | 2,197 |
| Return on assets (ROA) | 0.9998% | 2,460 |
| Pretax return on assets | 1.3078% | 2,248 |
| Return on Equity (ROE) | 10.7318% | 1,717 |
| Retained earnings to average equity (ytd only) | 4.8337% | 2,541 |
| Net charge-offs to loans | 0.0098% | 4,122 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 241.8000% | 290 |
| Efficiency ratio | 58.1226% | 5,128 |
| Assets per employee ($millions) | 6.0811% | 1,330 |
| Cash dividends to net income (ytd only)* | 54.9592% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,957 |
| Loan loss allowance to noncurrent loans | 1,062.1212% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 5,317 |
| Noncurrent loans to loans | 0.1215% | 5,010 |
| Net loans and leases to total assets | 62.9828% | 3,417 |
| Net loans and leases to deposits | 79.7445% | 2,846 |
| Net loans and leases to core deposits | 81.7705% | 3,172 |
| Total domestic deposits to total assets | 78.9807% | 4,980 |
| Equity capital to assets | 9.7103% | 4,287 |
| Core capital (leverage) ratio | 10.1642% | 3,303 |
| Tier 1 risk-based capital ratio | 13.3325% | 4,087 |
| Total risk-based capital ratio | 14.4629% | 4,093 |
| Memoranda: | ||
| Average total assets | $85,714,000 | 4,748 |
| Average earning assets | $80,206,800 | 4,712 |
| Average equity | $7,985,600 | 5,067 |
| Average total loans | $50,836,000 | 4,643 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 4,964 |
| Cost of funding earning assets | 0.3246% | 4,053 |
| Net interest margin | 3.1827% | 4,727 |
| Noninterest income to average assets | 0.3991% | 4,092 |
| Noninterest expense to average assets | 1.9551% | 5,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0313% | 2,324 |
| Return on assets (ROA) | 1.0156% | 2,490 |
| Pretax return on assets | 1.4069% | 1,987 |
| Return on Equity (ROE) | 11.0165% | 1,702 |
| Retained earnings to average equity (ytd only) | 3.8743% | 3,710 |
| Net charge-offs to loans | -0.0027% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7788% | 5,150 |
| Assets per employee ($millions) | 5.7403% | 1,555 |
| Cash dividends to net income (ytd only)* | 64.8318% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 3,111 |
| Loan loss allowance to noncurrent loans | 4,692.8571% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,736 |
| Noncurrent loans to loans | 0.0276% | 5,519 |
| Net loans and leases to total assets | 58.0663% | 4,133 |
| Net loans and leases to deposits | 74.2350% | 3,524 |
| Net loans and leases to core deposits | 76.4098% | 3,755 |
| Total domestic deposits to total assets | 78.2196% | 5,149 |
| Equity capital to assets | 9.3386% | 4,958 |
| Core capital (leverage) ratio | 9.6977% | 4,035 |
| Tier 1 risk-based capital ratio | 13.8826% | 3,914 |
| Total risk-based capital ratio | 15.0068% | 3,930 |
| Memoranda: | ||
| Average total assets | $85,858,500 | 4,808 |
| Average earning assets | $80,517,250 | 4,766 |
| Average equity | $7,915,250 | 5,142 |
| Average total loans | $49,964,500 | 4,717 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 5,105 |
| Cost of funding earning assets | 0.3231% | 4,116 |
| Net interest margin | 3.1270% | 4,893 |
| Noninterest income to average assets | 0.3964% | 4,099 |
| Noninterest expense to average assets | 1.9772% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9775% | 2,509 |
| Return on assets (ROA) | 0.9909% | 2,544 |
| Pretax return on assets | 1.3710% | 2,110 |
| Return on Equity (ROE) | 10.7959% | 1,750 |
| Retained earnings to average equity (ytd only) | 0.0254% | 5,494 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3838% | 5,065 |
| Assets per employee ($millions) | 5.3154% | 1,911 |
| Cash dividends to net income (ytd only)* | 99.7647% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 3,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.0962% | 4,210 |
| Net loans and leases to deposits | 73.5839% | 3,542 |
| Net loans and leases to core deposits | 75.7831% | 3,791 |
| Total domestic deposits to total assets | 77.5933% | 5,360 |
| Equity capital to assets | 9.0633% | 5,176 |
| Core capital (leverage) ratio | 9.2975% | 4,556 |
| Tier 1 risk-based capital ratio | 13.7757% | 4,050 |
| Total risk-based capital ratio | 14.9221% | 4,048 |
| Memoranda: | ||
| Average total assets | $85,776,330 | 4,860 |
| Average earning assets | $80,460,670 | 4,818 |
| Average equity | $7,873,330 | 5,194 |
| Average total loans | $49,734,330 | 4,758 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4513% | 5,086 |
| Cost of funding earning assets | 0.3223% | 4,194 |
| Net interest margin | 3.1290% | 4,857 |
| Noninterest income to average assets | 0.4040% | 3,974 |
| Noninterest expense to average assets | 1.9874% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9763% | 2,357 |
| Return on assets (ROA) | 1.0030% | 2,391 |
| Pretax return on assets | 1.3838% | 1,946 |
| Return on Equity (ROE) | 10.8597% | 1,670 |
| Retained earnings to average equity (ytd only) | 10.8597% | 742 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6100% | 5,143 |
| Assets per employee ($millions) | 5.3861% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 3,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.2786% | 4,285 |
| Net loans and leases to deposits | 69.7778% | 3,772 |
| Net loans and leases to core deposits | 72.0631% | 3,953 |
| Total domestic deposits to total assets | 79.2209% | 5,226 |
| Equity capital to assets | 9.3922% | 4,866 |
| Core capital (leverage) ratio | 9.5663% | 4,184 |
| Tier 1 risk-based capital ratio | 14.0630% | 3,966 |
| Total risk-based capital ratio | 15.2020% | 3,979 |
| Memoranda: | ||
| Average total assets | $86,141,500 | 4,899 |
| Average earning assets | $80,664,500 | 4,851 |
| Average equity | $7,956,000 | 5,221 |
| Average total loans | $49,994,500 | 4,786 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4824% | 5,355 |
| Cost of funding earning assets | 0.3332% | 4,455 |
| Net interest margin | 3.1492% | 5,072 |
| Noninterest income to average assets | 0.4113% | 4,099 |
| Noninterest expense to average assets | 2.0130% | 5,740 |
| Loan and lease loss provision to assets | 0.0881% | 2,706 |
| Net operating income to assets | 0.9712% | 2,520 |
| Return on assets (ROA) | 0.9848% | 2,536 |
| Pretax return on assets | 1.2715% | 2,343 |
| Return on Equity (ROE) | 11.3676% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.4532% | 2,294 |
| Net charge-offs to loans | -0.0021% | 5,380 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 5,226 |
| Assets per employee ($millions) | 5.3816% | 1,877 |
| Cash dividends to net income (ytd only)* | 52.0286% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 3,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.2753% | 3,881 |
| Net loans and leases to deposits | 78.9588% | 2,840 |
| Net loans and leases to core deposits | 82.4020% | 3,061 |
| Total domestic deposits to total assets | 75.0711% | 5,852 |
| Equity capital to assets | 9.0796% | 5,203 |
| Core capital (leverage) ratio | 9.5545% | 4,168 |
| Tier 1 risk-based capital ratio | 12.6458% | 4,947 |
| Total risk-based capital ratio | 13.6981% | 4,987 |
| Memoranda: | ||
| Average total assets | $85,097,400 | 4,937 |
| Average earning assets | $79,543,600 | 4,894 |
| Average equity | $7,371,800 | 5,333 |
| Average total loans | $47,082,200 | 4,912 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 5,602 |
| Cost of funding earning assets | 0.3345% | 4,524 |
| Net interest margin | 3.0608% | 5,357 |
| Noninterest income to average assets | 0.4180% | 4,115 |
| Noninterest expense to average assets | 2.0177% | 5,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9437% | 2,711 |
| Return on assets (ROA) | 0.9554% | 2,739 |
| Pretax return on assets | 1.2776% | 2,468 |
| Return on Equity (ROE) | 11.1656% | 1,732 |
| Retained earnings to average equity (ytd only) | 4.2421% | 3,634 |
| Net charge-offs to loans | -0.0058% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5237% | 4,959 |
| Assets per employee ($millions) | 5.2449% | 1,966 |
| Cash dividends to net income (ytd only)* | 62.0058% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 4,255 |
| Loan loss allowance to noncurrent loans | 29,100.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,202 |
| Noncurrent loans to loans | 0.0041% | 6,030 |
| Net loans and leases to total assets | 57.3333% | 4,162 |
| Net loans and leases to deposits | 72.4670% | 3,637 |
| Net loans and leases to core deposits | 74.8503% | 3,861 |
| Total domestic deposits to total assets | 79.1165% | 5,300 |
| Equity capital to assets | 9.0350% | 5,315 |
| Core capital (leverage) ratio | 9.5489% | 4,304 |
| Tier 1 risk-based capital ratio | 13.0683% | 4,817 |
| Total risk-based capital ratio | 14.0545% | 4,886 |
| Memoranda: | ||
| Average total assets | $84,845,500 | 5,000 |
| Average earning assets | $79,325,000 | 4,956 |
| Average equity | $7,260,250 | 5,396 |
| Average total loans | $45,929,000 | 5,000 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3531% | 5,708 |
| Cost of funding earning assets | 0.3318% | 4,623 |
| Net interest margin | 3.0214% | 5,458 |
| Noninterest income to average assets | 0.4251% | 4,056 |
| Noninterest expense to average assets | 2.0081% | 5,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9301% | 2,656 |
| Return on assets (ROA) | 0.9512% | 2,640 |
| Pretax return on assets | 1.2683% | 2,377 |
| Return on Equity (ROE) | 11.3239% | 1,625 |
| Retained earnings to average equity (ytd only) | 0.7829% | 5,432 |
| Net charge-offs to loans | -0.0089% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8221% | 5,038 |
| Assets per employee ($millions) | 5.6353% | 1,579 |
| Cash dividends to net income (ytd only)* | 93.0864% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 4,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 53.7413% | 4,571 |
| Net loans and leases to deposits | 68.9040% | 3,950 |
| Net loans and leases to core deposits | 71.8395% | 4,064 |
| Total domestic deposits to total assets | 77.9945% | 5,631 |
| Equity capital to assets | 8.6763% | 5,635 |
| Core capital (leverage) ratio | 9.2449% | 4,675 |
| Tier 1 risk-based capital ratio | 13.0462% | 4,879 |
| Total risk-based capital ratio | 14.0574% | 4,975 |
| Memoranda: | ||
| Average total assets | $85,154,670 | 5,038 |
| Average earning assets | $79,567,000 | 4,995 |
| Average equity | $7,153,000 | 5,451 |
| Average total loans | $45,007,000 | 5,076 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2893% | 5,865 |
| Cost of funding earning assets | 0.3214% | 4,842 |
| Net interest margin | 2.9679% | 5,604 |
| Noninterest income to average assets | 0.4446% | 3,828 |
| Noninterest expense to average assets | 2.0546% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8605% | 2,851 |
| Return on assets (ROA) | 0.8986% | 2,724 |
| Pretax return on assets | 1.2075% | 2,462 |
| Return on Equity (ROE) | 10.8743% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.8743% | 766 |
| Net charge-offs to loans | -0.0180% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9942% | 4,858 |
| Assets per employee ($millions) | 5.4613% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 3,648 |
| Loan loss allowance to noncurrent loans | 326.9663% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 5,559 |
| Noncurrent loans to loans | 0.4258% | 4,865 |
| Net loans and leases to total assets | 50.3162% | 4,878 |
| Net loans and leases to deposits | 59.2960% | 4,822 |
| Net loans and leases to core deposits | 61.6839% | 4,908 |
| Total domestic deposits to total assets | 84.8560% | 3,935 |
| Equity capital to assets | 8.8916% | 5,237 |
| Core capital (leverage) ratio | 9.3785% | 4,465 |
| Tier 1 risk-based capital ratio | 14.3316% | 4,110 |
| Total risk-based capital ratio | 15.4188% | 4,162 |
| Memoranda: | ||
| Average total assets | $85,467,500 | 5,079 |
| Average earning assets | $79,652,500 | 5,036 |
| Average equity | $7,062,500 | 5,499 |
| Average total loans | $44,506,000 | 5,144 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 5,872 |
| Cost of funding earning assets | 0.3468% | 5,171 |
| Net interest margin | 3.0369% | 5,489 |
| Noninterest income to average assets | 0.4034% | 4,420 |
| Noninterest expense to average assets | 1.8169% | 6,292 |
| Loan and lease loss provision to assets | 0.1149% | 2,891 |
| Net operating income to assets | 1.0057% | 2,303 |
| Return on assets (ROA) | 1.0389% | 2,231 |
| Pretax return on assets | 1.3630% | 1,924 |
| Return on Equity (ROE) | 12.9621% | 1,173 |
| Retained earnings to average equity (ytd only) | 8.7322% | 841 |
| Net charge-offs to loans | 0.0206% | 5,021 |
| Credit loss provision to net charge-offs | 1,111.1111% | 223 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 334 |
| Efficiency ratio | 55.8855% | 5,963 |
| Assets per employee ($millions) | 5.5634% | 1,597 |
| Cash dividends to net income (ytd only)* | 32.6327% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 4,503 |
| Loan loss allowance to noncurrent loans | 318.6813% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 5,680 |
| Noncurrent loans to loans | 0.3855% | 5,043 |
| Net loans and leases to total assets | 52.3856% | 4,804 |
| Net loans and leases to deposits | 67.6194% | 4,103 |
| Net loans and leases to core deposits | 70.0965% | 4,283 |
| Total domestic deposits to total assets | 77.4712% | 5,903 |
| Equity capital to assets | 7.6852% | 6,192 |
| Core capital (leverage) ratio | 8.8590% | 5,202 |
| Tier 1 risk-based capital ratio | 12.4812% | 5,303 |
| Total risk-based capital ratio | 13.4489% | 5,426 |
| Memoranda: | ||
| Average total assets | $87,014,800 | 5,049 |
| Average earning assets | $81,596,000 | 4,998 |
| Average equity | $6,974,200 | 5,575 |
| Average total loans | $43,664,600 | 5,207 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,879 |
| Cost of funding earning assets | 0.3481% | 5,311 |
| Net interest margin | 3.0494% | 5,468 |
| Noninterest income to average assets | 0.4038% | 4,509 |
| Noninterest expense to average assets | 1.7322% | 6,439 |
| Loan and lease loss provision to assets | 0.0771% | 3,519 |
| Net operating income to assets | 1.0699% | 2,119 |
| Return on assets (ROA) | 1.1250% | 1,978 |
| Pretax return on assets | 1.5319% | 1,519 |
| Return on Equity (ROE) | 13.8895% | 1,014 |
| Retained earnings to average equity (ytd only) | 9.3992% | 935 |
| Net charge-offs to loans | 0.0281% | 4,563 |
| Credit loss provision to net charge-offs | 555.5556% | 503 |
| Earnings coverage of net charge-offs (x) | 110.5525% | 459 |
| Efficiency ratio | 53.0439% | 6,178 |
| Assets per employee ($millions) | 5.8307% | 1,360 |
| Cash dividends to net income (ytd only)* | 32.3289% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 4,834 |
| Loan loss allowance to noncurrent loans | 284.4086% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 5,807 |
| Noncurrent loans to loans | 0.4239% | 5,138 |
| Net loans and leases to total assets | 49.5592% | 5,187 |
| Net loans and leases to deposits | 64.5986% | 4,451 |
| Net loans and leases to core deposits | 67.0301% | 4,620 |
| Total domestic deposits to total assets | 76.7188% | 6,084 |
| Equity capital to assets | 7.6834% | 6,311 |
| Core capital (leverage) ratio | 8.9567% | 5,184 |
| Tier 1 risk-based capital ratio | 13.0621% | 5,083 |
| Total risk-based capital ratio | 14.0002% | 5,233 |
| Memoranda: | ||
| Average total assets | $86,514,750 | 5,111 |
| Average earning assets | $81,194,500 | 5,047 |
| Average equity | $7,007,500 | 5,633 |
| Average total loans | $42,778,000 | 5,287 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3910% | 5,930 |
| Cost of funding earning assets | 0.3467% | 5,438 |
| Net interest margin | 3.0443% | 5,448 |
| Noninterest income to average assets | 0.4014% | 4,519 |
| Noninterest expense to average assets | 1.6659% | 6,538 |
| Loan and lease loss provision to assets | 0.1160% | 2,872 |
| Net operating income to assets | 1.0806% | 1,993 |
| Return on assets (ROA) | 1.1624% | 1,804 |
| Pretax return on assets | 1.6056% | 1,360 |
| Return on Equity (ROE) | 14.1061% | 987 |
| Retained earnings to average equity (ytd only) | 7.4613% | 1,688 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8859% | 6,364 |
| Assets per employee ($millions) | 5.7185% | 1,398 |
| Cash dividends to net income (ytd only)* | 47.1058% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 4,616 |
| Loan loss allowance to noncurrent loans | 611.3636% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,187 |
| Noncurrent loans to loans | 0.2088% | 5,785 |
| Net loans and leases to total assets | 48.5037% | 5,283 |
| Net loans and leases to deposits | 61.7679% | 4,766 |
| Net loans and leases to core deposits | 63.7771% | 4,918 |
| Total domestic deposits to total assets | 78.5257% | 5,877 |
| Equity capital to assets | 7.9100% | 6,261 |
| Core capital (leverage) ratio | 8.6954% | 5,430 |
| Tier 1 risk-based capital ratio | 12.8558% | 5,254 |
| Total risk-based capital ratio | 13.8248% | 5,389 |
| Memoranda: | ||
| Average total assets | $86,199,330 | 5,146 |
| Average earning assets | $81,332,000 | 5,075 |
| Average equity | $7,103,330 | 5,656 |
| Average total loans | $42,412,670 | 5,321 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 5,861 |
| Cost of funding earning assets | 0.3433% | 5,613 |
| Net interest margin | 3.0948% | 5,276 |
| Noninterest income to average assets | 0.4166% | 4,337 |
| Noninterest expense to average assets | 1.8053% | 6,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1084% | 1,827 |
| Return on assets (ROA) | 1.1017% | 1,951 |
| Pretax return on assets | 1.5230% | 1,507 |
| Return on Equity (ROE) | 13.1084% | 1,143 |
| Retained earnings to average equity (ytd only) | 13.1084% | 545 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0915% | 6,222 |
| Assets per employee ($millions) | 5.6915% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,097 |
| Loan loss allowance to noncurrent loans | 519.1489% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 6,243 |
| Noncurrent loans to loans | 0.2349% | 5,828 |
| Net loans and leases to total assets | 46.2997% | 5,407 |
| Net loans and leases to deposits | 58.5039% | 4,974 |
| Net loans and leases to core deposits | 60.1684% | 5,134 |
| Total domestic deposits to total assets | 79.1395% | 5,936 |
| Equity capital to assets | 8.5848% | 5,932 |
| Core capital (leverage) ratio | 8.6090% | 5,441 |
| Tier 1 risk-based capital ratio | 13.3479% | 4,974 |
| Total risk-based capital ratio | 14.2640% | 5,154 |
| Memoranda: | ||
| Average total assets | $86,410,500 | 5,186 |
| Average earning assets | $81,556,500 | 5,098 |
| Average equity | $7,262,500 | 5,672 |
| Average total loans | $42,547,500 | 5,353 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 6,113 |
| Cost of funding earning assets | 0.4450% | 5,624 |
| Net interest margin | 3.2176% | 5,526 |
| Noninterest income to average assets | 0.4569% | 4,204 |
| Noninterest expense to average assets | 2.0168% | 6,292 |
| Loan and lease loss provision to assets | 0.0606% | 5,020 |
| Net operating income to assets | 1.0122% | 2,284 |
| Return on assets (ROA) | 1.0387% | 2,375 |
| Pretax return on assets | 1.4132% | 1,999 |
| Return on Equity (ROE) | 11.9021% | 1,533 |
| Retained earnings to average equity (ytd only) | 2.0138% | 4,810 |
| Net charge-offs to loans | 0.0076% | 5,842 |
| Credit loss provision to net charge-offs | 1,666.6667% | 140 |
| Earnings coverage of net charge-offs (x) | 395.3333% | 102 |
| Efficiency ratio | 58.3860% | 5,776 |
| Assets per employee ($millions) | 5.8299% | 1,409 |
| Cash dividends to net income (ytd only)* | 83.0805% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 5,621 |
| Loan loss allowance to noncurrent loans | 574.1176% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 6,347 |
| Noncurrent loans to loans | 0.1886% | 5,998 |
| Net loans and leases to total assets | 50.9920% | 5,039 |
| Net loans and leases to deposits | 66.0867% | 4,272 |
| Net loans and leases to core deposits | 67.9663% | 4,534 |
| Total domestic deposits to total assets | 77.1593% | 6,207 |
| Equity capital to assets | 8.2288% | 6,258 |
| Core capital (leverage) ratio | 8.3290% | 5,852 |
| Tier 1 risk-based capital ratio | 11.8004% | 5,908 |
| Total risk-based capital ratio | 12.6385% | 6,139 |
| Memoranda: | ||
| Average total assets | $82,505,800 | 5,288 |
| Average earning assets | $76,857,600 | 5,218 |
| Average equity | $7,200,400 | 5,705 |
| Average total loans | $39,359,400 | 5,534 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 6,266 |
| Cost of funding earning assets | 0.4606% | 5,720 |
| Net interest margin | 3.2134% | 5,669 |
| Noninterest income to average assets | 0.4659% | 4,172 |
| Noninterest expense to average assets | 2.0458% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0113% | 2,445 |
| Return on assets (ROA) | 1.0467% | 2,515 |
| Pretax return on assets | 1.4568% | 2,050 |
| Return on Equity (ROE) | 11.8121% | 1,694 |
| Retained earnings to average equity (ytd only) | 6.1468% | 2,604 |
| Net charge-offs to loans | 0.0105% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 285.9925% | 160 |
| Efficiency ratio | 59.2399% | 5,624 |
| Assets per employee ($millions) | 5.5541% | 1,582 |
| Cash dividends to net income (ytd only)* | 47.9621% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 5,877 |
| Loan loss allowance to noncurrent loans | 465.9574% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 6,439 |
| Noncurrent loans to loans | 0.2260% | 6,045 |
| Net loans and leases to total assets | 49.4046% | 5,385 |
| Net loans and leases to deposits | 63.8704% | 4,729 |
| Net loans and leases to core deposits | 65.7718% | 4,978 |
| Total domestic deposits to total assets | 77.3514% | 6,187 |
| Equity capital to assets | 8.9759% | 5,847 |
| Core capital (leverage) ratio | 8.8283% | 5,299 |
| Tier 1 risk-based capital ratio | 12.7844% | 5,417 |
| Total risk-based capital ratio | 13.5779% | 5,724 |
| Memoranda: | ||
| Average total assets | $81,270,000 | 5,374 |
| Average earning assets | $75,557,250 | 5,308 |
| Average equity | $7,201,500 | 5,772 |
| Average total loans | $37,929,250 | 5,657 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 6,406 |
| Cost of funding earning assets | 0.4674% | 5,848 |
| Net interest margin | 3.1889% | 5,772 |
| Noninterest income to average assets | 0.4690% | 4,141 |
| Noninterest expense to average assets | 2.0921% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9625% | 2,608 |
| Return on assets (ROA) | 1.0125% | 2,629 |
| Pretax return on assets | 1.4096% | 2,167 |
| Return on Equity (ROE) | 11.4779% | 1,831 |
| Retained earnings to average equity (ytd only) | 2.8695% | 4,716 |
| Net charge-offs to loans | 0.0272% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 398 |
| Efficiency ratio | 60.9544% | 5,429 |
| Assets per employee ($millions) | 5.0785% | 2,059 |
| Cash dividends to net income (ytd only)* | 75.0000% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 5,660 |
| Loan loss allowance to noncurrent loans | 441.4141% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 6,485 |
| Noncurrent loans to loans | 0.2555% | 6,063 |
| Net loans and leases to total assets | 47.1473% | 5,699 |
| Net loans and leases to deposits | 61.0411% | 5,126 |
| Net loans and leases to core deposits | 62.9054% | 5,308 |
| Total domestic deposits to total assets | 77.2386% | 6,293 |
| Equity capital to assets | 8.7760% | 5,944 |
| Core capital (leverage) ratio | 8.5246% | 5,622 |
| Tier 1 risk-based capital ratio | 12.8623% | 5,283 |
| Total risk-based capital ratio | 13.6857% | 5,594 |
| Memoranda: | ||
| Average total assets | $80,589,330 | 5,415 |
| Average earning assets | $74,885,000 | 5,362 |
| Average equity | $7,109,330 | 5,818 |
| Average total loans | $36,706,330 | 5,750 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 6,605 |
| Cost of funding earning assets | 0.4807% | 5,937 |
| Net interest margin | 3.0948% | 6,061 |
| Noninterest income to average assets | 0.4685% | 4,150 |
| Noninterest expense to average assets | 2.1431% | 6,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8523% | 3,148 |
| Return on assets (ROA) | 0.8523% | 3,384 |
| Pretax return on assets | 1.1812% | 2,980 |
| Return on Equity (ROE) | 9.6358% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.6358% | 1,369 |
| Net charge-offs to loans | -0.0112% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4678% | 4,836 |
| Assets per employee ($millions) | 4.5316% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 5,119 |
| Loan loss allowance to noncurrent loans | 2,109.5238% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 6,843 |
| Noncurrent loans to loans | 0.0606% | 6,603 |
| Net loans and leases to total assets | 41.9650% | 6,197 |
| Net loans and leases to deposits | 48.9917% | 6,225 |
| Net loans and leases to core deposits | 50.1450% | 6,331 |
| Total domestic deposits to total assets | 85.6574% | 3,712 |
| Equity capital to assets | 8.8172% | 5,734 |
| Core capital (leverage) ratio | 8.7294% | 5,253 |
| Tier 1 risk-based capital ratio | 13.8205% | 4,594 |
| Total risk-based capital ratio | 14.7082% | 4,848 |
| Memoranda: | ||
| Average total assets | $80,256,000 | 5,469 |
| Average earning assets | $74,060,500 | 5,432 |
| Average equity | $7,098,500 | 5,843 |
| Average total loans | $35,686,000 | 5,838 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 6,674 |
| Cost of funding earning assets | 0.6325% | 5,911 |
| Net interest margin | 3.2163% | 6,042 |
| Noninterest income to average assets | 0.4524% | 4,198 |
| Noninterest expense to average assets | 2.4477% | 5,640 |
| Loan and lease loss provision to assets | 0.0269% | 6,239 |
| Net operating income to assets | 0.7554% | 3,238 |
| Return on assets (ROA) | 0.8657% | 2,895 |
| Pretax return on assets | 1.1107% | 2,795 |
| Return on Equity (ROE) | 10.8950% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.8950% | 417 |
| Net charge-offs to loans | -0.0172% | 6,940 |
| Credit loss provision to net charge-offs | -333.3333% | 6,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0711% | 3,770 |
| Assets per employee ($millions) | 4.6438% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,370 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 6,919 |
| Noncurrent loans to loans | 0.0463% | 6,710 |
| Net loans and leases to total assets | 45.9275% | 6,021 |
| Net loans and leases to deposits | 54.4097% | 6,030 |
| Net loans and leases to core deposits | 55.7517% | 6,171 |
| Total domestic deposits to total assets | 84.4105% | 4,132 |
| Equity capital to assets | 8.8734% | 5,703 |
| Core capital (leverage) ratio | 8.7094% | 5,236 |
| Tier 1 risk-based capital ratio | 13.5624% | 4,652 |
| Total risk-based capital ratio | 14.4537% | 4,891 |
| Memoranda: | ||
| Average total assets | $74,274,200 | 5,631 |
| Average earning assets | $69,086,200 | 5,572 |
| Average equity | $5,901,800 | 6,182 |
| Average total loans | $34,836,200 | 5,922 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 6,757 |
| Cost of funding earning assets | 0.6677% | 5,949 |
| Net interest margin | 3.2091% | 6,140 |
| Noninterest income to average assets | 0.4523% | 4,277 |
| Noninterest expense to average assets | 2.4712% | 5,558 |
| Loan and lease loss provision to assets | 0.0365% | 5,983 |
| Net operating income to assets | 0.7260% | 3,478 |
| Return on assets (ROA) | 0.8754% | 2,986 |
| Pretax return on assets | 1.1253% | 2,912 |
| Return on Equity (ROE) | 11.3754% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.3754% | 571 |
| Net charge-offs to loans | -0.0155% | 6,854 |
| Credit loss provision to net charge-offs | -500.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8071% | 3,588 |
| Assets per employee ($millions) | 4.1072% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 47.6748% | 5,996 |
| Net loans and leases to deposits | 56.5637% | 5,974 |
| Net loans and leases to core deposits | 58.0554% | 6,121 |
| Total domestic deposits to total assets | 84.2851% | 4,104 |
| Equity capital to assets | 8.1550% | 6,593 |
| Core capital (leverage) ratio | 7.8740% | 6,509 |
| Tier 1 risk-based capital ratio | 12.3284% | 5,640 |
| Total risk-based capital ratio | 13.2769% | 5,868 |
| Memoranda: | ||
| Average total assets | $73,106,750 | 5,711 |
| Average earning assets | $68,096,750 | 5,650 |
| Average equity | $5,626,000 | 6,296 |
| Average total loans | $34,370,500 | 6,002 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 6,811 |
| Cost of funding earning assets | 0.7123% | 5,887 |
| Net interest margin | 3.1789% | 6,219 |
| Noninterest income to average assets | 0.4503% | 4,281 |
| Noninterest expense to average assets | 2.5977% | 5,194 |
| Loan and lease loss provision to assets | 0.0549% | 5,631 |
| Net operating income to assets | 0.6446% | 3,825 |
| Return on assets (ROA) | 0.7497% | 3,415 |
| Pretax return on assets | 0.8870% | 3,671 |
| Return on Equity (ROE) | 9.9423% | 2,138 |
| Retained earnings to average equity (ytd only) | 9.9423% | 856 |
| Net charge-offs to loans | -0.0118% | 6,722 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0450% | 3,002 |
| Assets per employee ($millions) | 4.2354% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 5,169 |
| Loan loss allowance to noncurrent loans | 2,576.4706% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 7,046 |
| Noncurrent loans to loans | 0.0495% | 6,861 |
| Net loans and leases to total assets | 47.0779% | 6,146 |
| Net loans and leases to deposits | 54.1546% | 6,295 |
| Net loans and leases to core deposits | 55.8472% | 6,425 |
| Total domestic deposits to total assets | 86.9323% | 2,781 |
| Equity capital to assets | 8.0581% | 6,632 |
| Core capital (leverage) ratio | 7.4710% | 6,759 |
| Tier 1 risk-based capital ratio | 12.4150% | 5,426 |
| Total risk-based capital ratio | 13.4012% | 5,640 |
| Memoranda: | ||
| Average total assets | $72,832,330 | 5,758 |
| Average earning assets | $67,948,670 | 5,698 |
| Average equity | $5,491,670 | 6,367 |
| Average total loans | $33,932,000 | 6,078 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 6,931 |
| Cost of funding earning assets | 0.7834% | 5,654 |
| Net interest margin | 3.0343% | 6,503 |
| Noninterest income to average assets | 0.4369% | 4,394 |
| Noninterest expense to average assets | 2.9598% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2949% | 5,433 |
| Return on assets (ROA) | 0.2949% | 5,504 |
| Pretax return on assets | 0.3113% | 5,621 |
| Return on Equity (ROE) | 4.0476% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.0476% | 3,736 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4841% | 1,295 |
| Assets per employee ($millions) | 4.3964% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 7,128 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 45.0327% | 6,381 |
| Net loans and leases to deposits | 51.4704% | 6,517 |
| Net loans and leases to core deposits | 53.9159% | 6,563 |
| Total domestic deposits to total assets | 87.4925% | 2,665 |
| Equity capital to assets | 7.2144% | 7,003 |
| Core capital (leverage) ratio | 7.2486% | 6,894 |
| Tier 1 risk-based capital ratio | 11.7561% | 5,891 |
| Total risk-based capital ratio | 12.6795% | 6,140 |
| Memoranda: | ||
| Average total assets | $73,247,500 | 5,781 |
| Average earning assets | $68,417,000 | 5,720 |
| Average equity | $5,336,500 | 6,443 |
| Average total loans | $33,730,500 | 6,140 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 7,080 |
| Cost of funding earning assets | 0.9836% | 5,766 |
| Net interest margin | 3.0789% | 6,574 |
| Noninterest income to average assets | 0.5189% | 4,033 |
| Noninterest expense to average assets | 2.7709% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4896% | 4,151 |
| Return on assets (ROA) | 1.0510% | 1,965 |
| Pretax return on assets | 1.3715% | 1,733 |
| Return on Equity (ROE) | 13.8927% | 906 |
| Retained earnings to average equity (ytd only) | 1.7293% | 4,649 |
| Net charge-offs to loans | 0.0063% | 6,783 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 218.5000% | 113 |
| Efficiency ratio | 81.1800% | 2,269 |
| Assets per employee ($millions) | 4.4848% | 2,900 |
| Cash dividends to net income (ytd only)* | 87.5524% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,298 |
| Loan loss allowance to noncurrent loans | 2,447.0588% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 7,114 |
| Noncurrent loans to loans | 0.0509% | 7,001 |
| Net loans and leases to total assets | 45.9502% | 6,563 |
| Net loans and leases to deposits | 54.0029% | 6,610 |
| Net loans and leases to core deposits | 56.7534% | 6,647 |
| Total domestic deposits to total assets | 85.0884% | 3,805 |
| Equity capital to assets | 7.3597% | 6,966 |
| Core capital (leverage) ratio | 7.4977% | 6,707 |
| Tier 1 risk-based capital ratio | 11.8009% | 5,649 |
| Total risk-based capital ratio | 12.7375% | 5,923 |
| Memoranda: | ||
| Average total assets | $68,029,600 | 5,935 |
| Average earning assets | $63,950,600 | 5,859 |
| Average equity | $5,146,600 | 6,624 |
| Average total loans | $31,820,400 | 6,324 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 7,161 |
| Cost of funding earning assets | 0.9888% | 5,988 |
| Net interest margin | 3.1519% | 6,481 |
| Noninterest income to average assets | 0.5286% | 3,952 |
| Noninterest expense to average assets | 2.6508% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6398% | 3,699 |
| Return on assets (ROA) | 1.1366% | 1,886 |
| Pretax return on assets | 1.5023% | 1,613 |
| Return on Equity (ROE) | 14.9159% | 874 |
| Retained earnings to average equity (ytd only) | 0.9128% | 5,439 |
| Net charge-offs to loans | 0.0212% | 6,377 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 85.3553% | 363 |
| Efficiency ratio | 75.7524% | 2,999 |
| Assets per employee ($millions) | 4.2976% | 3,265 |
| Cash dividends to net income (ytd only)* | 93.8805% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 5,195 |
| Loan loss allowance to noncurrent loans | 2,294.4444% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 7,220 |
| Noncurrent loans to loans | 0.0547% | 7,108 |
| Net loans and leases to total assets | 47.2296% | 6,587 |
| Net loans and leases to deposits | 57.5367% | 6,502 |
| Net loans and leases to core deposits | 60.7051% | 6,563 |
| Total domestic deposits to total assets | 82.0860% | 4,957 |
| Equity capital to assets | 7.6699% | 7,019 |
| Core capital (leverage) ratio | 7.1487% | 7,089 |
| Tier 1 risk-based capital ratio | 11.0070% | 6,379 |
| Total risk-based capital ratio | 11.9531% | 6,619 |
| Memoranda: | ||
| Average total assets | $67,098,000 | 6,024 |
| Average earning assets | $63,240,750 | 5,942 |
| Average equity | $5,113,000 | 6,714 |
| Average total loans | $31,428,500 | 6,419 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 7,138 |
| Cost of funding earning assets | 1.0138% | 6,077 |
| Net interest margin | 3.2137% | 6,273 |
| Noninterest income to average assets | 0.5290% | 3,885 |
| Noninterest expense to average assets | 2.5908% | 5,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6993% | 3,411 |
| Return on assets (ROA) | 1.1451% | 1,777 |
| Pretax return on assets | 1.5869% | 1,333 |
| Return on Equity (ROE) | 15.0613% | 850 |
| Retained earnings to average equity (ytd only) | 5.6529% | 2,523 |
| Net charge-offs to loans | -0.0194% | 7,280 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8041% | 3,694 |
| Assets per employee ($millions) | 3.9298% | 3,913 |
| Cash dividends to net income (ytd only)* | 62.4672% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,544 |
| Loan loss allowance to noncurrent loans | 956.8182% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 7,229 |
| Noncurrent loans to loans | 0.1440% | 6,970 |
| Net loans and leases to total assets | 45.1090% | 6,843 |
| Net loans and leases to deposits | 54.6298% | 6,819 |
| Net loans and leases to core deposits | 57.6699% | 6,852 |
| Total domestic deposits to total assets | 82.5722% | 4,755 |
| Equity capital to assets | 7.8076% | 6,919 |
| Core capital (leverage) ratio | 7.2812% | 7,008 |
| Tier 1 risk-based capital ratio | 12.4163% | 4,930 |
| Total risk-based capital ratio | 13.4802% | 5,068 |
| Memoranda: | ||
| Average total assets | $66,543,330 | 6,085 |
| Average earning assets | $62,731,670 | 5,996 |
| Average equity | $5,059,330 | 6,761 |
| Average total loans | $30,941,670 | 6,481 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 7,121 |
| Cost of funding earning assets | 1.0243% | 6,254 |
| Net interest margin | 3.2841% | 6,034 |
| Noninterest income to average assets | 0.5240% | 3,857 |
| Noninterest expense to average assets | 2.6020% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7890% | 3,016 |
| Return on assets (ROA) | 0.7890% | 3,131 |
| Pretax return on assets | 1.0119% | 3,049 |
| Return on Equity (ROE) | 10.5200% | 1,939 |
| Retained earnings to average equity (ytd only) | -7.9502% | 6,824 |
| Net charge-offs to loans | -0.0128% | 6,952 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0000% | 3,933 |
| Assets per employee ($millions) | 4.0068% | 3,855 |
| Cash dividends to net income (ytd only)* | 175.5725% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 4,743 |
| Loan loss allowance to noncurrent loans | 1,676.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 7,402 |
| Noncurrent loans to loans | 0.0799% | 7,190 |
| Net loans and leases to total assets | 45.3271% | 6,889 |
| Net loans and leases to deposits | 54.8353% | 6,862 |
| Net loans and leases to core deposits | 57.8140% | 6,891 |
| Total domestic deposits to total assets | 82.6605% | 4,774 |
| Equity capital to assets | 7.2479% | 7,255 |
| Core capital (leverage) ratio | 7.0462% | 7,221 |
| Tier 1 risk-based capital ratio | 11.7987% | 5,397 |
| Total risk-based capital ratio | 12.8571% | 5,541 |
| Memoranda: | ||
| Average total assets | $66,411,500 | 6,155 |
| Average earning assets | $62,483,000 | 6,063 |
| Average equity | $4,981,000 | 6,850 |
| Average total loans | $31,134,000 | 6,565 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 6,891 |
| Cost of funding earning assets | 1.2582% | 6,444 |
| Net interest margin | 3.5686% | 4,659 |
| Noninterest income to average assets | 0.5750% | 3,821 |
| Noninterest expense to average assets | 2.8458% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8231% | 2,438 |
| Return on assets (ROA) | 1.0018% | 1,880 |
| Pretax return on assets | 1.3126% | 1,663 |
| Return on Equity (ROE) | 12.7973% | 1,007 |
| Retained earnings to average equity (ytd only) | 4.7321% | 1,959 |
| Net charge-offs to loans | 0.0260% | 6,884 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 83.6250% | 326 |
| Efficiency ratio | 72.5369% | 4,179 |
| Assets per employee ($millions) | 3.8063% | 4,276 |
| Cash dividends to net income (ytd only)* | 63.0225% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 4,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 47.2221% | 6,878 |
| Net loans and leases to deposits | 57.7345% | 6,800 |
| Net loans and leases to core deposits | 66.9706% | 6,931 |
| Total domestic deposits to total assets | 81.7918% | 5,036 |
| Equity capital to assets | 7.7658% | 6,803 |
| Core capital (leverage) ratio | 7.3217% | 6,960 |
| Tier 1 risk-based capital ratio | 12.4377% | 4,566 |
| Total risk-based capital ratio | 13.5277% | 4,668 |
| Memoranda: | ||
| Average total assets | $62,090,600 | 6,269 |
| Average earning assets | $58,258,800 | 6,210 |
| Average equity | $4,860,400 | 7,000 |
| Average total loans | $30,734,600 | 6,590 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 6,947 |
| Cost of funding earning assets | 1.2929% | 6,579 |
| Net interest margin | 3.5825% | 4,547 |
| Noninterest income to average assets | 0.5664% | 3,959 |
| Noninterest expense to average assets | 2.7258% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9023% | 2,415 |
| Return on assets (ROA) | 1.0504% | 1,963 |
| Pretax return on assets | 1.3998% | 1,696 |
| Return on Equity (ROE) | 13.3905% | 1,033 |
| Retained earnings to average equity (ytd only) | 4.9798% | 2,504 |
| Net charge-offs to loans | 0.0391% | 6,360 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 61.5542% | 535 |
| Efficiency ratio | 69.3923% | 4,715 |
| Assets per employee ($millions) | 3.7177% | 4,381 |
| Cash dividends to net income (ytd only)* | 62.8091% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 4,337 |
| Loan loss allowance to noncurrent loans | 2,316.6667% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 7,514 |
| Noncurrent loans to loans | 0.0573% | 7,361 |
| Net loans and leases to total assets | 49.0419% | 6,863 |
| Net loans and leases to deposits | 61.3945% | 6,728 |
| Net loans and leases to core deposits | 69.7803% | 6,977 |
| Total domestic deposits to total assets | 79.8801% | 5,478 |
| Equity capital to assets | 8.0046% | 6,842 |
| Core capital (leverage) ratio | 7.3070% | 7,181 |
| Tier 1 risk-based capital ratio | 12.3354% | 4,675 |
| Total risk-based capital ratio | 13.4252% | 4,764 |
| Memoranda: | ||
| Average total assets | $61,436,500 | 6,340 |
| Average earning assets | $57,648,500 | 6,277 |
| Average equity | $4,819,250 | 7,073 |
| Average total loans | $30,674,750 | 6,643 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8810% | 7,076 |
| Cost of funding earning assets | 1.3420% | 6,671 |
| Net interest margin | 3.5390% | 4,617 |
| Noninterest income to average assets | 0.5456% | 4,063 |
| Noninterest expense to average assets | 2.7643% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8409% | 2,695 |
| Return on assets (ROA) | 1.0058% | 2,183 |
| Pretax return on assets | 1.3180% | 1,968 |
| Return on Equity (ROE) | 12.9132% | 1,198 |
| Retained earnings to average equity (ytd only) | 9.1152% | 909 |
| Net charge-offs to loans | -0.0066% | 7,561 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5136% | 4,506 |
| Assets per employee ($millions) | 3.6898% | 4,354 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 3,833 |
| Loan loss allowance to noncurrent loans | 86.2626% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7891% | 5,422 |
| Noncurrent loans to loans | 1.6000% | 4,098 |
| Net loans and leases to total assets | 48.6401% | 6,981 |
| Net loans and leases to deposits | 57.7742% | 7,041 |
| Net loans and leases to core deposits | 66.2152% | 7,204 |
| Total domestic deposits to total assets | 84.1900% | 3,652 |
| Equity capital to assets | 7.5806% | 7,197 |
| Core capital (leverage) ratio | 7.4738% | 7,052 |
| Tier 1 risk-based capital ratio | 12.6178% | 4,428 |
| Total risk-based capital ratio | 13.7508% | 4,444 |
| Memoranda: | ||
| Average total assets | $60,848,330 | 6,419 |
| Average earning assets | $57,078,000 | 6,345 |
| Average equity | $4,739,330 | 7,157 |
| Average total loans | $30,429,000 | 6,714 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 7,254 |
| Cost of funding earning assets | 1.3929% | 6,762 |
| Net interest margin | 3.4715% | 4,846 |
| Noninterest income to average assets | 0.5275% | 4,081 |
| Noninterest expense to average assets | 2.6840% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8441% | 2,933 |
| Return on assets (ROA) | 0.9014% | 2,852 |
| Pretax return on assets | 1.1618% | 2,760 |
| Return on Equity (ROE) | 11.4129% | 1,842 |
| Retained earnings to average equity (ytd only) | 11.4129% | 900 |
| Net charge-offs to loans | -0.0265% | 7,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1504% | 4,335 |
| Assets per employee ($millions) | 3.3672% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 3,251 |
| Loan loss allowance to noncurrent loans | 86.4646% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8167% | 5,137 |
| Noncurrent loans to loans | 1.6729% | 3,753 |
| Net loans and leases to total assets | 48.1125% | 7,014 |
| Net loans and leases to deposits | 57.9926% | 7,040 |
| Net loans and leases to core deposits | 67.5539% | 7,157 |
| Total domestic deposits to total assets | 82.9632% | 4,168 |
| Equity capital to assets | 7.9294% | 6,921 |
| Core capital (leverage) ratio | 7.8984% | 6,622 |
| Tier 1 risk-based capital ratio | 13.0150% | 4,172 |
| Total risk-based capital ratio | 14.2066% | 4,132 |
| Memoranda: | ||
| Average total assets | $59,909,500 | 6,475 |
| Average earning assets | $55,999,500 | 6,418 |
| Average equity | $4,731,500 | 7,213 |
| Average total loans | $30,175,000 | 6,754 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5851% | 7,119 |
| Cost of funding earning assets | 2.1076% | 6,017 |
| Net interest margin | 3.4775% | 5,374 |
| Noninterest income to average assets | 0.6138% | 3,750 |
| Noninterest expense to average assets | 2.7956% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7574% | 3,625 |
| Return on assets (ROA) | 0.7685% | 3,420 |
| Pretax return on assets | 1.0677% | 3,147 |
| Return on Equity (ROE) | 9.6938% | 2,365 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | -0.1393% | 8,129 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6542% | 3,815 |
| Assets per employee ($millions) | 3.4829% | 4,716 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 3,289 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 7,470 |
| Noncurrent loans to loans | 0.0585% | 7,272 |
| Net loans and leases to total assets | 51.2338% | 6,912 |
| Net loans and leases to deposits | 62.8965% | 6,882 |
| Net loans and leases to core deposits | 72.5371% | 7,039 |
| Total domestic deposits to total assets | 81.4572% | 4,429 |
| Equity capital to assets | 7.8654% | 7,023 |
| Core capital (leverage) ratio | 7.6482% | 7,008 |
| Tier 1 risk-based capital ratio | 12.3652% | 4,535 |
| Total risk-based capital ratio | 13.5254% | 4,491 |
| Memoranda: | ||
| Average total assets | $58,162,200 | 6,446 |
| Average earning assets | $54,090,600 | 6,410 |
| Average equity | $4,611,200 | 7,300 |
| Average total loans | $29,438,200 | 6,747 |