Home > Commercial Bank > Performance and Condition Ratios
Commercial Bank, Performance and Condition Ratios
| 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 | 2.6272% | 5,624 |
| Cost of funding earning assets | 0.3095% | 3,985 |
| Net interest margin | 2.3177% | 5,602 |
| Noninterest income to average assets | 0.1965% | 5,063 |
| Noninterest expense to average assets | 2.0160% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1105% | 5,482 |
| Return on assets (ROA) | 0.1105% | 5,486 |
| Pretax return on assets | 0.1576% | 5,462 |
| Return on Equity (ROE) | 1.0668% | 5,463 |
| Retained earnings to average equity (ytd only) | 0.7705% | 4,899 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7495% | 336 |
| Assets per employee ($millions) | 4.5605% | 3,014 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 2,071 |
| Loan loss allowance to noncurrent loans | 939.5833% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 5,026 |
| Noncurrent loans to loans | 0.1462% | 4,531 |
| Net loans and leases to total assets | 33.8077% | 5,452 |
| Net loans and leases to deposits | 38.8575% | 5,484 |
| Net loans and leases to core deposits | 40.2101% | 5,492 |
| Total domestic deposits to total assets | 87.0044% | 1,955 |
| Equity capital to assets | 10.6295% | 3,196 |
| Core capital (leverage) ratio | 10.5805% | 2,833 |
| Tier 1 risk-based capital ratio | 29.5627% | 488 |
| Total risk-based capital ratio | 30.8134% | 479 |
| Memoranda: | ||
| Average total assets | $97,719,670 | 4,347 |
| Average earning assets | $83,358,000 | 4,482 |
| Average equity | $10,123,330 | 4,491 |
| Average total loans | $33,982,670 | 4,982 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6705% | 5,659 |
| Cost of funding earning assets | 0.3053% | 3,988 |
| Net interest margin | 2.3652% | 5,632 |
| Noninterest income to average assets | 0.1864% | 5,156 |
| Noninterest expense to average assets | 2.0062% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1094% | 5,500 |
| Return on assets (ROA) | 0.1094% | 5,505 |
| Pretax return on assets | 0.1581% | 5,476 |
| Return on Equity (ROE) | 1.0698% | 5,480 |
| Retained earnings to average equity (ytd only) | 1.0698% | 4,626 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6966% | 422 |
| Assets per employee ($millions) | 4.6274% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,406 |
| Loan loss allowance to noncurrent loans | 920.4082% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,099 |
| Noncurrent loans to loans | 0.1441% | 4,610 |
| Net loans and leases to total assets | 34.5188% | 5,452 |
| Net loans and leases to deposits | 38.6790% | 5,509 |
| Net loans and leases to core deposits | 39.9695% | 5,526 |
| Total domestic deposits to total assets | 89.2443% | 1,031 |
| Equity capital to assets | 10.4234% | 3,264 |
| Core capital (leverage) ratio | 10.1426% | 3,321 |
| Tier 1 risk-based capital ratio | 27.8689% | 568 |
| Total risk-based capital ratio | 29.1192% | 555 |
| Memoranda: | ||
| Average total assets | $98,694,000 | 4,376 |
| Average earning assets | $82,530,500 | 4,541 |
| Average equity | $10,095,000 | 4,527 |
| Average total loans | $34,559,500 | 5,013 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6548% | 5,708 |
| Cost of funding earning assets | 0.3075% | 3,979 |
| Net interest margin | 2.3473% | 5,683 |
| Noninterest income to average assets | 0.2103% | 5,158 |
| Noninterest expense to average assets | 2.1592% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0645% | 5,600 |
| Return on assets (ROA) | 0.0645% | 5,625 |
| Pretax return on assets | 0.0854% | 5,603 |
| Return on Equity (ROE) | 0.6106% | 5,615 |
| Retained earnings to average equity (ytd only) | 0.5122% | 5,128 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1967% | 306 |
| Assets per employee ($millions) | 4.5547% | 3,035 |
| Cash dividends to net income (ytd only)* | 16.1290% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,632 |
| Loan loss allowance to noncurrent loans | 382.2034% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,842 |
| Noncurrent loans to loans | 0.3360% | 3,936 |
| Net loans and leases to total assets | 34.6028% | 5,535 |
| Net loans and leases to deposits | 38.6152% | 5,587 |
| Net loans and leases to core deposits | 39.7462% | 5,602 |
| Total domestic deposits to total assets | 89.6091% | 821 |
| Equity capital to assets | 10.0356% | 3,687 |
| Core capital (leverage) ratio | 10.5820% | 2,795 |
| Tier 1 risk-based capital ratio | 29.9006% | 483 |
| Total risk-based capital ratio | 31.1507% | 481 |
| Memoranda: | ||
| Average total assets | $96,053,800 | 4,427 |
| Average earning assets | $83,246,000 | 4,536 |
| Average equity | $10,153,200 | 4,545 |
| Average total loans | $34,778,400 | 5,046 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6655% | 5,772 |
| Cost of funding earning assets | 0.3040% | 4,053 |
| Net interest margin | 2.3615% | 5,739 |
| Noninterest income to average assets | 0.2133% | 5,187 |
| Noninterest expense to average assets | 2.1694% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0828% | 5,644 |
| Return on assets (ROA) | 0.0828% | 5,687 |
| Pretax return on assets | 0.1151% | 5,659 |
| Return on Equity (ROE) | 0.7729% | 5,669 |
| Retained earnings to average equity (ytd only) | 0.7729% | 5,157 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9631% | 350 |
| Assets per employee ($millions) | 4.3384% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 2,598 |
| Loan loss allowance to noncurrent loans | 777.5862% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 5,202 |
| Noncurrent loans to loans | 0.1692% | 4,682 |
| Net loans and leases to total assets | 35.4470% | 5,569 |
| Net loans and leases to deposits | 39.9547% | 5,633 |
| Net loans and leases to core deposits | 41.0672% | 5,658 |
| Total domestic deposits to total assets | 88.7180% | 1,043 |
| Equity capital to assets | 10.7718% | 3,282 |
| Core capital (leverage) ratio | 10.5276% | 2,966 |
| Tier 1 risk-based capital ratio | 31.8180% | 417 |
| Total risk-based capital ratio | 33.0687% | 410 |
| Memoranda: | ||
| Average total assets | $95,016,500 | 4,482 |
| Average earning assets | $83,333,000 | 4,565 |
| Average equity | $10,177,500 | 4,585 |
| Average total loans | $34,692,000 | 5,099 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6951% | 5,846 |
| Cost of funding earning assets | 0.2995% | 4,137 |
| Net interest margin | 2.3957% | 5,811 |
| Noninterest income to average assets | 0.1982% | 5,312 |
| Noninterest expense to average assets | 2.1945% | 4,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0801% | 5,691 |
| Return on assets (ROA) | 0.0801% | 5,731 |
| Pretax return on assets | 0.1117% | 5,717 |
| Return on Equity (ROE) | 0.7493% | 5,719 |
| Retained earnings to average equity (ytd only) | 0.7493% | 5,075 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1554% | 375 |
| Assets per employee ($millions) | 4.0567% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,795 |
| Loan loss allowance to noncurrent loans | 673.1343% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 5,256 |
| Noncurrent loans to loans | 0.1929% | 4,662 |
| Net loans and leases to total assets | 36.7362% | 5,576 |
| Net loans and leases to deposits | 41.4096% | 5,641 |
| Net loans and leases to core deposits | 42.5884% | 5,664 |
| Total domestic deposits to total assets | 88.7142% | 1,058 |
| Equity capital to assets | 10.9793% | 3,082 |
| Core capital (leverage) ratio | 10.7901% | 2,666 |
| Tier 1 risk-based capital ratio | 31.5552% | 434 |
| Total risk-based capital ratio | 32.8049% | 427 |
| Memoranda: | ||
| Average total assets | $94,874,000 | 4,519 |
| Average earning assets | $83,483,330 | 4,599 |
| Average equity | $10,143,000 | 4,621 |
| Average total loans | $34,828,330 | 5,144 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7075% | 5,902 |
| Cost of funding earning assets | 0.2987% | 4,178 |
| Net interest margin | 2.4088% | 5,876 |
| Noninterest income to average assets | 0.1714% | 5,462 |
| Noninterest expense to average assets | 2.2287% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0544% | 5,736 |
| Return on assets (ROA) | 0.0544% | 5,774 |
| Pretax return on assets | 0.0669% | 5,769 |
| Return on Equity (ROE) | 0.5152% | 5,768 |
| Retained earnings to average equity (ytd only) | 0.5152% | 4,988 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0856% | 369 |
| Assets per employee ($millions) | 3.9947% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,776 |
| Loan loss allowance to noncurrent loans | 243.7838% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 4,588 |
| Noncurrent loans to loans | 0.5436% | 3,557 |
| Net loans and leases to total assets | 35.0259% | 5,676 |
| Net loans and leases to deposits | 39.2942% | 5,734 |
| Net loans and leases to core deposits | 40.6198% | 5,758 |
| Total domestic deposits to total assets | 89.1376% | 1,027 |
| Equity capital to assets | 10.6037% | 3,366 |
| Core capital (leverage) ratio | 10.5321% | 2,923 |
| Tier 1 risk-based capital ratio | 34.2789% | 359 |
| Total risk-based capital ratio | 35.5315% | 353 |
| Memoranda: | ||
| Average total assets | $95,659,500 | 4,538 |
| Average earning assets | $84,358,000 | 4,609 |
| Average equity | $10,092,500 | 4,645 |
| Average total loans | $34,879,000 | 5,183 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8015% | 5,879 |
| Cost of funding earning assets | 0.3229% | 3,993 |
| Net interest margin | 2.4785% | 5,841 |
| Noninterest income to average assets | 0.2312% | 5,211 |
| Noninterest expense to average assets | 2.3611% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0217% | 5,850 |
| Return on assets (ROA) | 0.0217% | 5,876 |
| Pretax return on assets | 0.0165% | 5,876 |
| Return on Equity (ROE) | 0.2097% | 5,870 |
| Retained earnings to average equity (ytd only) | 0.1099% | 5,463 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3056% | 299 |
| Assets per employee ($millions) | 3.9770% | 3,984 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 3,097 |
| Loan loss allowance to noncurrent loans | 137.0821% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 4,019 |
| Noncurrent loans to loans | 0.9209% | 2,498 |
| Net loans and leases to total assets | 36.9587% | 5,668 |
| Net loans and leases to deposits | 41.3921% | 5,724 |
| Net loans and leases to core deposits | 42.7904% | 5,745 |
| Total domestic deposits to total assets | 89.2893% | 975 |
| Equity capital to assets | 10.4969% | 3,369 |
| Core capital (leverage) ratio | 10.3965% | 3,058 |
| Tier 1 risk-based capital ratio | 32.1701% | 427 |
| Total risk-based capital ratio | 33.4203% | 419 |
| Memoranda: | ||
| Average total assets | $96,902,400 | 4,519 |
| Average earning assets | $83,920,600 | 4,635 |
| Average equity | $10,013,200 | 4,661 |
| Average total loans | $34,802,000 | 5,199 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7974% | 5,960 |
| Cost of funding earning assets | 0.3283% | 4,011 |
| Net interest margin | 2.4691% | 5,931 |
| Noninterest income to average assets | 0.2385% | 5,225 |
| Noninterest expense to average assets | 2.3276% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0398% | 5,903 |
| Return on assets (ROA) | 0.0398% | 5,947 |
| Pretax return on assets | 0.0452% | 5,938 |
| Return on Equity (ROE) | 0.3862% | 5,937 |
| Retained earnings to average equity (ytd only) | 0.3862% | 5,508 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0936% | 351 |
| Assets per employee ($millions) | 4.1476% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 2,793 |
| Loan loss allowance to noncurrent loans | 161.0714% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 4,122 |
| Noncurrent loans to loans | 0.8434% | 2,862 |
| Net loans and leases to total assets | 32.8963% | 5,897 |
| Net loans and leases to deposits | 36.9198% | 5,959 |
| Net loans and leases to core deposits | 38.1153% | 5,971 |
| Total domestic deposits to total assets | 89.1022% | 976 |
| Equity capital to assets | 10.1825% | 3,961 |
| Core capital (leverage) ratio | 10.2452% | 3,313 |
| Tier 1 risk-based capital ratio | 26.5613% | 726 |
| Total risk-based capital ratio | 27.7437% | 713 |
| Memoranda: | ||
| Average total assets | $97,266,250 | 4,561 |
| Average earning assets | $84,077,250 | 4,690 |
| Average equity | $10,011,750 | 4,720 |
| Average total loans | $34,570,750 | 5,262 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8052% | 6,012 |
| Cost of funding earning assets | 0.3244% | 4,100 |
| Net interest margin | 2.4808% | 5,983 |
| Noninterest income to average assets | 0.2238% | 5,362 |
| Noninterest expense to average assets | 2.3542% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0269% | 5,963 |
| Return on assets (ROA) | 0.0269% | 6,003 |
| Pretax return on assets | 0.0249% | 5,998 |
| Return on Equity (ROE) | 0.2608% | 5,994 |
| Retained earnings to average equity (ytd only) | 0.2608% | 5,424 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9547% | 349 |
| Assets per employee ($millions) | 3.6797% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 3,330 |
| Loan loss allowance to noncurrent loans | 93.5685% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 3,502 |
| Noncurrent loans to loans | 1.3728% | 1,972 |
| Net loans and leases to total assets | 36.2290% | 5,805 |
| Net loans and leases to deposits | 40.5952% | 5,886 |
| Net loans and leases to core deposits | 41.9599% | 5,898 |
| Total domestic deposits to total assets | 89.2445% | 1,028 |
| Equity capital to assets | 10.4033% | 3,561 |
| Core capital (leverage) ratio | 10.5619% | 2,880 |
| Tier 1 risk-based capital ratio | 25.9040% | 787 |
| Total risk-based capital ratio | 27.0590% | 779 |
| Memoranda: | ||
| Average total assets | $96,507,330 | 4,624 |
| Average earning assets | $83,845,330 | 4,736 |
| Average equity | $9,970,330 | 4,759 |
| Average total loans | $35,028,670 | 5,292 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8134% | 6,062 |
| Cost of funding earning assets | 0.3290% | 4,108 |
| Net interest margin | 2.4843% | 6,037 |
| Noninterest income to average assets | 0.2229% | 5,360 |
| Noninterest expense to average assets | 2.3523% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0248% | 5,982 |
| Return on assets (ROA) | 0.0248% | 6,022 |
| Pretax return on assets | 0.0206% | 6,028 |
| Return on Equity (ROE) | 0.2405% | 6,018 |
| Retained earnings to average equity (ytd only) | 0.2405% | 5,288 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1304% | 390 |
| Assets per employee ($millions) | 3.6400% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 3,351 |
| Loan loss allowance to noncurrent loans | 107.1259% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 3,793 |
| Noncurrent loans to loans | 1.2217% | 2,331 |
| Net loans and leases to total assets | 34.6049% | 5,899 |
| Net loans and leases to deposits | 38.6939% | 5,965 |
| Net loans and leases to core deposits | 39.9558% | 5,976 |
| Total domestic deposits to total assets | 89.4323% | 1,027 |
| Equity capital to assets | 10.2909% | 3,786 |
| Core capital (leverage) ratio | 10.0979% | 3,475 |
| Tier 1 risk-based capital ratio | 26.0160% | 784 |
| Total risk-based capital ratio | 27.1768% | 776 |
| Memoranda: | ||
| Average total assets | $96,925,000 | 4,649 |
| Average earning assets | $83,885,500 | 4,779 |
| Average equity | $9,979,000 | 4,791 |
| Average total loans | $34,987,000 | 5,331 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8646% | 6,160 |
| Cost of funding earning assets | 0.3571% | 4,174 |
| Net interest margin | 2.5076% | 6,146 |
| Noninterest income to average assets | 0.2474% | 5,359 |
| Noninterest expense to average assets | 2.3883% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0313% | 6,052 |
| Return on assets (ROA) | 0.0313% | 6,074 |
| Pretax return on assets | 0.0293% | 6,061 |
| Return on Equity (ROE) | 0.3207% | 6,066 |
| Retained earnings to average equity (ytd only) | 0.3207% | 5,632 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7886% | 390 |
| Assets per employee ($millions) | 3.6757% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 3,596 |
| Loan loss allowance to noncurrent loans | 143.6306% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 4,256 |
| Noncurrent loans to loans | 0.8842% | 3,107 |
| Net loans and leases to total assets | 36.6876% | 5,917 |
| Net loans and leases to deposits | 40.9818% | 6,000 |
| Net loans and leases to core deposits | 42.5185% | 6,013 |
| Total domestic deposits to total assets | 89.5217% | 965 |
| Equity capital to assets | 10.3004% | 3,720 |
| Core capital (leverage) ratio | 10.4400% | 3,008 |
| Tier 1 risk-based capital ratio | 23.0824% | 1,079 |
| Total risk-based capital ratio | 24.1129% | 1,080 |
| Memoranda: | ||
| Average total assets | $99,023,400 | 4,626 |
| Average earning assets | $85,701,000 | 4,743 |
| Average equity | $9,665,200 | 4,822 |
| Average total loans | $34,555,600 | 5,380 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8571% | 6,242 |
| Cost of funding earning assets | 0.3571% | 4,267 |
| Net interest margin | 2.5000% | 6,225 |
| Noninterest income to average assets | 0.2496% | 5,429 |
| Noninterest expense to average assets | 2.3426% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0534% | 6,085 |
| Return on assets (ROA) | 0.0534% | 6,111 |
| Pretax return on assets | 0.0654% | 6,102 |
| Return on Equity (ROE) | 0.5543% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.5543% | 5,645 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2838% | 461 |
| Assets per employee ($millions) | 3.8838% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 3,434 |
| Loan loss allowance to noncurrent loans | 145.4839% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 4,543 |
| Noncurrent loans to loans | 0.9229% | 3,254 |
| Net loans and leases to total assets | 34.1291% | 6,108 |
| Net loans and leases to deposits | 38.0962% | 6,181 |
| Net loans and leases to core deposits | 39.6639% | 6,188 |
| Total domestic deposits to total assets | 89.5866% | 944 |
| Equity capital to assets | 10.0591% | 4,095 |
| Core capital (leverage) ratio | 10.1685% | 3,448 |
| Tier 1 risk-based capital ratio | 23.8102% | 1,012 |
| Total risk-based capital ratio | 24.8712% | 1,018 |
| Memoranda: | ||
| Average total assets | $99,887,000 | 4,643 |
| Average earning assets | $86,238,500 | 4,782 |
| Average equity | $9,620,500 | 4,871 |
| Average total loans | $34,316,250 | 5,440 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8606% | 6,289 |
| Cost of funding earning assets | 0.3570% | 4,349 |
| Net interest margin | 2.5036% | 6,271 |
| Noninterest income to average assets | 0.2440% | 5,448 |
| Noninterest expense to average assets | 2.2833% | 5,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0813% | 6,080 |
| Return on assets (ROA) | 0.0813% | 6,105 |
| Pretax return on assets | 0.1170% | 6,068 |
| Return on Equity (ROE) | 0.8567% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.8567% | 5,400 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1240% | 596 |
| Assets per employee ($millions) | 4.0885% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 3,927 |
| Loan loss allowance to noncurrent loans | 110.5392% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 4,347 |
| Noncurrent loans to loans | 1.1640% | 2,898 |
| Net loans and leases to total assets | 35.2619% | 6,089 |
| Net loans and leases to deposits | 39.2455% | 6,178 |
| Net loans and leases to core deposits | 40.8356% | 6,196 |
| Total domestic deposits to total assets | 89.8495% | 881 |
| Equity capital to assets | 9.9681% | 4,152 |
| Core capital (leverage) ratio | 10.1610% | 3,402 |
| Tier 1 risk-based capital ratio | 22.7251% | 1,151 |
| Total risk-based capital ratio | 23.7377% | 1,171 |
| Memoranda: | ||
| Average total assets | $100,817,330 | 4,668 |
| Average earning assets | $86,836,000 | 4,811 |
| Average equity | $9,571,670 | 4,895 |
| Average total loans | $34,558,670 | 5,469 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8792% | 6,339 |
| Cost of funding earning assets | 0.3576% | 4,465 |
| Net interest margin | 2.5216% | 6,316 |
| Noninterest income to average assets | 0.2780% | 5,144 |
| Noninterest expense to average assets | 2.3257% | 5,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0783% | 6,074 |
| Return on assets (ROA) | 0.0783% | 6,098 |
| Pretax return on assets | 0.1057% | 6,069 |
| Return on Equity (ROE) | 0.8450% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.8450% | 5,254 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6522% | 659 |
| Assets per employee ($millions) | 4.3121% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,062 |
| Loan loss allowance to noncurrent loans | 109.4660% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 4,576 |
| Noncurrent loans to loans | 1.1985% | 3,042 |
| Net loans and leases to total assets | 32.7797% | 6,237 |
| Net loans and leases to deposits | 36.2494% | 6,306 |
| Net loans and leases to core deposits | 37.6289% | 6,323 |
| Total domestic deposits to total assets | 90.4282% | 841 |
| Equity capital to assets | 9.2143% | 4,861 |
| Core capital (leverage) ratio | 9.8930% | 3,723 |
| Tier 1 risk-based capital ratio | 23.5658% | 1,065 |
| Total risk-based capital ratio | 24.6180% | 1,074 |
| Memoranda: | ||
| Average total assets | $102,164,500 | 4,683 |
| Average earning assets | $87,247,500 | 4,842 |
| Average equity | $9,467,000 | 4,944 |
| Average total loans | $34,312,500 | 5,526 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8106% | 6,492 |
| Cost of funding earning assets | 0.3932% | 4,726 |
| Net interest margin | 2.4173% | 6,431 |
| Noninterest income to average assets | 0.3354% | 4,922 |
| Noninterest expense to average assets | 2.4092% | 5,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0311% | 6,162 |
| Return on assets (ROA) | 0.0311% | 6,205 |
| Pretax return on assets | 0.0251% | 6,194 |
| Return on Equity (ROE) | 0.3154% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.2137% | 5,749 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9686% | 513 |
| Assets per employee ($millions) | 4.0335% | 3,796 |
| Cash dividends to net income (ytd only)* | 32.2581% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 4,056 |
| Loan loss allowance to noncurrent loans | 124.9307% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 4,774 |
| Noncurrent loans to loans | 1.0540% | 3,406 |
| Net loans and leases to total assets | 33.5181% | 6,317 |
| Net loans and leases to deposits | 37.0733% | 6,396 |
| Net loans and leases to core deposits | 38.7750% | 6,397 |
| Total domestic deposits to total assets | 90.4104% | 869 |
| Equity capital to assets | 9.3199% | 4,668 |
| Core capital (leverage) ratio | 10.1056% | 3,421 |
| Tier 1 risk-based capital ratio | 22.7459% | 1,140 |
| Total risk-based capital ratio | 23.7635% | 1,153 |
| Memoranda: | ||
| Average total assets | $99,577,600 | 4,751 |
| Average earning assets | $86,459,600 | 4,867 |
| Average equity | $9,828,000 | 4,888 |
| Average total loans | $33,642,200 | 5,595 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8304% | 6,551 |
| Cost of funding earning assets | 0.3979% | 4,833 |
| Net interest margin | 2.4325% | 6,486 |
| Noninterest income to average assets | 0.3546% | 4,859 |
| Noninterest expense to average assets | 2.4043% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0524% | 6,218 |
| Return on assets (ROA) | 0.0524% | 6,272 |
| Pretax return on assets | 0.0604% | 6,248 |
| Return on Equity (ROE) | 0.5234% | 6,265 |
| Retained earnings to average equity (ytd only) | 0.5234% | 5,760 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5477% | 543 |
| Assets per employee ($millions) | 3.8364% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 3,930 |
| Loan loss allowance to noncurrent loans | 150.3333% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 5,135 |
| Noncurrent loans to loans | 0.9258% | 3,964 |
| Net loans and leases to total assets | 32.0334% | 6,451 |
| Net loans and leases to deposits | 35.5216% | 6,525 |
| Net loans and leases to core deposits | 37.0587% | 6,529 |
| Total domestic deposits to total assets | 90.1801% | 905 |
| Equity capital to assets | 9.4660% | 4,595 |
| Core capital (leverage) ratio | 10.1483% | 3,467 |
| Tier 1 risk-based capital ratio | 23.8741% | 1,023 |
| Total risk-based capital ratio | 24.9403% | 1,026 |
| Memoranda: | ||
| Average total assets | $99,262,500 | 4,801 |
| Average earning assets | $86,109,750 | 4,925 |
| Average equity | $9,935,500 | 4,916 |
| Average total loans | $33,490,250 | 5,656 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8640% | 6,565 |
| Cost of funding earning assets | 0.3975% | 4,969 |
| Net interest margin | 2.4665% | 6,482 |
| Noninterest income to average assets | 0.3834% | 4,642 |
| Noninterest expense to average assets | 2.3834% | 5,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1029% | 6,131 |
| Return on assets (ROA) | 0.1029% | 6,218 |
| Pretax return on assets | 0.1413% | 6,173 |
| Return on Equity (ROE) | 1.0099% | 6,209 |
| Retained earnings to average equity (ytd only) | 1.0099% | 5,498 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4045% | 748 |
| Assets per employee ($millions) | 3.5076% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 4,069 |
| Loan loss allowance to noncurrent loans | 108.9372% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 4,873 |
| Noncurrent loans to loans | 1.2783% | 3,419 |
| Net loans and leases to total assets | 32.5178% | 6,483 |
| Net loans and leases to deposits | 36.2842% | 6,548 |
| Net loans and leases to core deposits | 37.8890% | 6,544 |
| Total domestic deposits to total assets | 89.6196% | 1,252 |
| Equity capital to assets | 10.0077% | 3,906 |
| Core capital (leverage) ratio | 10.2479% | 3,167 |
| Tier 1 risk-based capital ratio | 24.1693% | 982 |
| Total risk-based capital ratio | 25.2474% | 979 |
| Memoranda: | ||
| Average total assets | $99,101,330 | 4,842 |
| Average earning assets | $86,033,330 | 4,951 |
| Average equity | $10,100,000 | 4,920 |
| Average total loans | $33,852,670 | 5,674 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8951% | 6,613 |
| Cost of funding earning assets | 0.3982% | 5,122 |
| Net interest margin | 2.4969% | 6,513 |
| Noninterest income to average assets | 0.4139% | 4,361 |
| Noninterest expense to average assets | 2.3226% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1607% | 6,004 |
| Return on assets (ROA) | 0.1607% | 6,106 |
| Pretax return on assets | 0.2331% | 6,013 |
| Return on Equity (ROE) | 1.5632% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.5632% | 5,204 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8805% | 1,072 |
| Assets per employee ($millions) | 3.6870% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,620 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 4,406 |
| Noncurrent loans to loans | 1.3149% | 3,589 |
| Net loans and leases to total assets | 34.0007% | 6,420 |
| Net loans and leases to deposits | 38.0372% | 6,504 |
| Net loans and leases to core deposits | 39.4133% | 6,505 |
| Total domestic deposits to total assets | 89.3880% | 1,426 |
| Equity capital to assets | 10.2945% | 3,804 |
| Core capital (leverage) ratio | 9.9556% | 3,448 |
| Tier 1 risk-based capital ratio | 23.1267% | 1,138 |
| Total risk-based capital ratio | 24.1580% | 1,149 |
| Memoranda: | ||
| Average total assets | $99,545,000 | 4,876 |
| Average earning assets | $85,385,500 | 5,002 |
| Average equity | $10,235,500 | 4,942 |
| Average total loans | $34,585,000 | 5,684 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2671% | 6,611 |
| Cost of funding earning assets | 0.5342% | 4,959 |
| Net interest margin | 2.7328% | 6,476 |
| Noninterest income to average assets | 0.4087% | 4,539 |
| Noninterest expense to average assets | 2.4121% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1366% | 5,920 |
| Return on assets (ROA) | 0.1366% | 6,077 |
| Pretax return on assets | 0.1126% | 6,136 |
| Return on Equity (ROE) | 1.3486% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.2502% | 5,243 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5389% | 726 |
| Assets per employee ($millions) | 3.5551% | 4,892 |
| Cash dividends to net income (ytd only)* | 7.2993% | 4,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,664 |
| Loan loss allowance to noncurrent loans | 102.5000% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 4,657 |
| Noncurrent loans to loans | 1.2618% | 3,724 |
| Net loans and leases to total assets | 34.5794% | 6,513 |
| Net loans and leases to deposits | 38.6683% | 6,613 |
| Net loans and leases to core deposits | 40.2990% | 6,604 |
| Total domestic deposits to total assets | 89.4256% | 1,284 |
| Equity capital to assets | 10.2700% | 3,798 |
| Core capital (leverage) ratio | 10.1486% | 3,198 |
| Tier 1 risk-based capital ratio | 23.3481% | 1,057 |
| Total risk-based capital ratio | 24.3934% | 1,077 |
| Memoranda: | ||
| Average total assets | $100,327,600 | 4,825 |
| Average earning assets | $77,684,600 | 5,196 |
| Average equity | $10,158,600 | 4,948 |
| Average total loans | $37,139,600 | 5,625 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 6,646 |
| Cost of funding earning assets | 0.5587% | 5,008 |
| Net interest margin | 2.8235% | 6,468 |
| Noninterest income to average assets | 0.3979% | 4,654 |
| Noninterest expense to average assets | 2.3277% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1499% | 6,032 |
| Return on assets (ROA) | 0.1499% | 6,188 |
| Pretax return on assets | 0.2082% | 6,104 |
| Return on Equity (ROE) | 1.4854% | 6,161 |
| Retained earnings to average equity (ytd only) | 1.4854% | 5,592 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7887% | 898 |
| Assets per employee ($millions) | 3.7036% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 4,943 |
| Loan loss allowance to noncurrent loans | 111.0837% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 4,959 |
| Noncurrent loans to loans | 1.1445% | 4,146 |
| Net loans and leases to total assets | 35.0247% | 6,611 |
| Net loans and leases to deposits | 39.2712% | 6,707 |
| Net loans and leases to core deposits | 40.9609% | 6,704 |
| Total domestic deposits to total assets | 89.1868% | 1,321 |
| Equity capital to assets | 10.2352% | 4,154 |
| Core capital (leverage) ratio | 10.1205% | 3,372 |
| Tier 1 risk-based capital ratio | 23.3530% | 1,120 |
| Total risk-based capital ratio | 24.3999% | 1,128 |
| Memoranda: | ||
| Average total assets | $100,524,000 | 4,865 |
| Average earning assets | $76,122,250 | 5,287 |
| Average equity | $10,142,500 | 4,995 |
| Average total loans | $37,706,500 | 5,666 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 6,476 |
| Cost of funding earning assets | 0.6003% | 4,901 |
| Net interest margin | 3.0041% | 6,235 |
| Noninterest income to average assets | 0.3853% | 4,757 |
| Noninterest expense to average assets | 2.3297% | 5,662 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1648% | 6,014 |
| Return on assets (ROA) | 0.1648% | 6,186 |
| Pretax return on assets | 0.2324% | 6,090 |
| Return on Equity (ROE) | 1.6417% | 6,153 |
| Retained earnings to average equity (ytd only) | 1.6417% | 5,384 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9302% | 1,004 |
| Assets per employee ($millions) | 3.6454% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 5,364 |
| Loan loss allowance to noncurrent loans | 168.2836% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 5,349 |
| Noncurrent loans to loans | 0.7116% | 5,082 |
| Net loans and leases to total assets | 37.8044% | 6,494 |
| Net loans and leases to deposits | 42.7321% | 6,614 |
| Net loans and leases to core deposits | 44.7902% | 6,631 |
| Total domestic deposits to total assets | 88.4684% | 1,840 |
| Equity capital to assets | 10.3459% | 3,890 |
| Core capital (leverage) ratio | 10.1302% | 3,222 |
| Tier 1 risk-based capital ratio | 22.0251% | 1,286 |
| Total risk-based capital ratio | 23.0154% | 1,313 |
| Memoranda: | ||
| Average total assets | $100,699,330 | 4,886 |
| Average earning assets | $72,966,670 | 5,430 |
| Average equity | $10,111,670 | 5,008 |
| Average total loans | $38,450,330 | 5,669 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 6,310 |
| Cost of funding earning assets | 0.6525% | 4,708 |
| Net interest margin | 3.1177% | 5,989 |
| Noninterest income to average assets | 0.3653% | 4,952 |
| Noninterest expense to average assets | 2.3253% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1689% | 6,067 |
| Return on assets (ROA) | 0.1689% | 6,207 |
| Pretax return on assets | 0.2357% | 6,121 |
| Return on Equity (ROE) | 1.7070% | 6,156 |
| Retained earnings to average equity (ytd only) | 1.7070% | 5,378 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7975% | 1,031 |
| Assets per employee ($millions) | 3.6643% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,579 |
| Loan loss allowance to noncurrent loans | 867.3077% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 6,057 |
| Noncurrent loans to loans | 0.1362% | 6,417 |
| Net loans and leases to total assets | 36.7651% | 6,574 |
| Net loans and leases to deposits | 41.1977% | 6,693 |
| Net loans and leases to core deposits | 43.3400% | 6,685 |
| Total domestic deposits to total assets | 89.2407% | 1,524 |
| Equity capital to assets | 9.8197% | 4,346 |
| Core capital (leverage) ratio | 9.4564% | 4,108 |
| Tier 1 risk-based capital ratio | 21.7761% | 1,323 |
| Total risk-based capital ratio | 22.7592% | 1,350 |
| Memoranda: | ||
| Average total assets | $101,836,500 | 4,894 |
| Average earning assets | $71,719,500 | 5,505 |
| Average equity | $10,076,000 | 5,025 |
| Average total loans | $38,845,500 | 5,688 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 6,749 |
| Cost of funding earning assets | 0.8010% | 4,866 |
| Net interest margin | 2.9810% | 6,559 |
| Noninterest income to average assets | 0.3808% | 4,780 |
| Noninterest expense to average assets | 2.4765% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1154% | 5,831 |
| Return on assets (ROA) | 0.1154% | 5,954 |
| Pretax return on assets | 0.1332% | 5,913 |
| Return on Equity (ROE) | 1.1021% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.0520% | 5,362 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8955% | 870 |
| Assets per employee ($millions) | 3.7434% | 4,455 |
| Cash dividends to net income (ytd only)* | 4.5455% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,661 |
| Loan loss allowance to noncurrent loans | 172.7969% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 5,616 |
| Noncurrent loans to loans | 0.6604% | 5,384 |
| Net loans and leases to total assets | 38.6533% | 6,621 |
| Net loans and leases to deposits | 43.4707% | 6,743 |
| Net loans and leases to core deposits | 45.7707% | 6,744 |
| Total domestic deposits to total assets | 88.9179% | 1,599 |
| Equity capital to assets | 9.9700% | 4,204 |
| Core capital (leverage) ratio | 10.2154% | 3,075 |
| Tier 1 risk-based capital ratio | 21.1832% | 1,380 |
| Total risk-based capital ratio | 22.1437% | 1,415 |
| Memoranda: | ||
| Average total assets | $95,335,000 | 5,030 |
| Average earning assets | $71,285,800 | 5,496 |
| Average equity | $9,981,000 | 5,026 |
| Average total loans | $38,759,000 | 5,751 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 6,853 |
| Cost of funding earning assets | 0.8200% | 5,009 |
| Net interest margin | 2.9679% | 6,639 |
| Noninterest income to average assets | 0.3507% | 5,049 |
| Noninterest expense to average assets | 2.5047% | 5,446 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0951% | 5,972 |
| Return on assets (ROA) | 0.0951% | 6,092 |
| Pretax return on assets | 0.1022% | 6,089 |
| Return on Equity (ROE) | 0.8972% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.8972% | 5,647 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0784% | 817 |
| Assets per employee ($millions) | 3.4621% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,441 |
| Loan loss allowance to noncurrent loans | 218.9320% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 5,815 |
| Noncurrent loans to loans | 0.5501% | 5,767 |
| Net loans and leases to total assets | 38.1636% | 6,765 |
| Net loans and leases to deposits | 43.2356% | 6,868 |
| Net loans and leases to core deposits | 45.2234% | 6,881 |
| Total domestic deposits to total assets | 88.2688% | 1,887 |
| Equity capital to assets | 10.3695% | 3,868 |
| Core capital (leverage) ratio | 10.6268% | 2,729 |
| Tier 1 risk-based capital ratio | 22.0907% | 1,272 |
| Total risk-based capital ratio | 23.0961% | 1,290 |
| Memoranda: | ||
| Average total assets | $93,900,500 | 5,104 |
| Average earning assets | $71,384,500 | 5,533 |
| Average equity | $9,957,000 | 5,044 |
| Average total loans | $38,569,000 | 5,813 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 6,959 |
| Cost of funding earning assets | 0.8273% | 5,204 |
| Net interest margin | 2.9358% | 6,725 |
| Noninterest income to average assets | 0.3423% | 5,142 |
| Noninterest expense to average assets | 2.5235% | 5,449 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0904% | 6,041 |
| Return on assets (ROA) | 0.0904% | 6,119 |
| Pretax return on assets | 0.1034% | 6,099 |
| Return on Equity (ROE) | 0.8463% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.8463% | 5,529 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0656% | 878 |
| Assets per employee ($millions) | 3.2571% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,636 |
| Loan loss allowance to noncurrent loans | 150.3333% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 5,628 |
| Noncurrent loans to loans | 0.7835% | 5,347 |
| Net loans and leases to total assets | 41.4906% | 6,631 |
| Net loans and leases to deposits | 46.8345% | 6,791 |
| Net loans and leases to core deposits | 48.9268% | 6,809 |
| Total domestic deposits to total assets | 88.5898% | 1,791 |
| Equity capital to assets | 10.9815% | 2,979 |
| Core capital (leverage) ratio | 10.7910% | 2,428 |
| Tier 1 risk-based capital ratio | 21.8980% | 1,274 |
| Total risk-based capital ratio | 22.8973% | 1,280 |
| Memoranda: | ||
| Average total assets | $92,888,000 | 5,175 |
| Average earning assets | $72,280,330 | 5,547 |
| Average equity | $9,925,330 | 5,066 |
| Average total loans | $38,943,330 | 5,848 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 7,053 |
| Cost of funding earning assets | 0.8525% | 5,255 |
| Net interest margin | 2.8654% | 6,809 |
| Noninterest income to average assets | 0.3201% | 5,360 |
| Noninterest expense to average assets | 2.4879% | 5,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0683% | 6,181 |
| Return on assets (ROA) | 0.0683% | 6,232 |
| Pretax return on assets | 0.0555% | 6,254 |
| Return on Equity (ROE) | 0.6477% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.6477% | 5,566 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8188% | 842 |
| Assets per employee ($millions) | 3.1680% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 5,731 |
| Loan loss allowance to noncurrent loans | 223.2673% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 5,908 |
| Noncurrent loans to loans | 0.5273% | 5,970 |
| Net loans and leases to total assets | 41.2047% | 6,692 |
| Net loans and leases to deposits | 46.3961% | 6,825 |
| Net loans and leases to core deposits | 48.6331% | 6,851 |
| Total domestic deposits to total assets | 88.8106% | 1,889 |
| Equity capital to assets | 10.7736% | 2,900 |
| Core capital (leverage) ratio | 10.0804% | 3,061 |
| Tier 1 risk-based capital ratio | 21.8486% | 1,251 |
| Total risk-based capital ratio | 22.8483% | 1,276 |
| Memoranda: | ||
| Average total assets | $93,732,500 | 5,178 |
| Average earning assets | $72,731,000 | 5,580 |
| Average equity | $9,880,500 | 5,071 |
| Average total loans | $39,270,000 | 5,881 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 7,193 |
| Cost of funding earning assets | 0.9830% | 5,769 |
| Net interest margin | 2.9228% | 6,864 |
| Noninterest income to average assets | 0.4241% | 4,716 |
| Noninterest expense to average assets | 2.6381% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1965% | 5,272 |
| Return on assets (ROA) | 0.1965% | 5,447 |
| Pretax return on assets | 0.2654% | 5,323 |
| Return on Equity (ROE) | 1.7970% | 5,471 |
| Retained earnings to average equity (ytd only) | 1.7868% | 4,607 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8604% | 1,251 |
| Assets per employee ($millions) | 3.2963% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.5650% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 5,873 |
| Loan loss allowance to noncurrent loans | 253.3708% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 6,061 |
| Noncurrent loans to loans | 0.4424% | 6,154 |
| Net loans and leases to total assets | 41.6165% | 6,867 |
| Net loans and leases to deposits | 46.6821% | 7,014 |
| Net loans and leases to core deposits | 48.8338% | 7,033 |
| Total domestic deposits to total assets | 89.1487% | 1,571 |
| Equity capital to assets | 10.3178% | 3,370 |
| Core capital (leverage) ratio | 10.7592% | 2,339 |
| Tier 1 risk-based capital ratio | 20.5667% | 1,392 |
| Total risk-based capital ratio | 21.5092% | 1,419 |
| Memoranda: | ||
| Average total assets | $90,063,800 | 5,284 |
| Average earning assets | $76,398,400 | 5,469 |
| Average equity | $9,849,800 | 5,176 |
| Average total loans | $39,899,800 | 5,926 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 7,331 |
| Cost of funding earning assets | 1.0054% | 5,915 |
| Net interest margin | 2.9054% | 6,997 |
| Noninterest income to average assets | 0.3909% | 5,030 |
| Noninterest expense to average assets | 2.6341% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1970% | 5,514 |
| Return on assets (ROA) | 0.1970% | 5,676 |
| Pretax return on assets | 0.2811% | 5,551 |
| Return on Equity (ROE) | 1.7738% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.7738% | 5,082 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3559% | 1,256 |
| Assets per employee ($millions) | 3.1641% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,799 |
| Loan loss allowance to noncurrent loans | 3,221.4286% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 6,536 |
| Noncurrent loans to loans | 0.0351% | 7,161 |
| Net loans and leases to total assets | 44.4624% | 6,808 |
| Net loans and leases to deposits | 50.7211% | 6,968 |
| Net loans and leases to core deposits | 53.6545% | 6,974 |
| Total domestic deposits to total assets | 87.6606% | 2,182 |
| Equity capital to assets | 11.2129% | 2,764 |
| Core capital (leverage) ratio | 10.9970% | 2,266 |
| Tier 1 risk-based capital ratio | 20.8071% | 1,396 |
| Total risk-based capital ratio | 21.7651% | 1,426 |
| Memoranda: | ||
| Average total assets | $88,681,750 | 5,390 |
| Average earning assets | $77,050,000 | 5,514 |
| Average equity | $9,846,500 | 5,243 |
| Average total loans | $39,816,500 | 6,013 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 7,397 |
| Cost of funding earning assets | 1.0404% | 5,963 |
| Net interest margin | 2.9116% | 6,992 |
| Noninterest income to average assets | 0.3765% | 5,113 |
| Noninterest expense to average assets | 2.6536% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1646% | 5,680 |
| Return on assets (ROA) | 0.1646% | 5,796 |
| Pretax return on assets | 0.2277% | 5,709 |
| Return on Equity (ROE) | 1.4872% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.4872% | 5,127 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0970% | 1,180 |
| Assets per employee ($millions) | 3.0224% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 5,663 |
| Loan loss allowance to noncurrent loans | 673.1343% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 6,436 |
| Noncurrent loans to loans | 0.1716% | 6,911 |
| Net loans and leases to total assets | 44.0347% | 6,918 |
| Net loans and leases to deposits | 50.2375% | 7,058 |
| Net loans and leases to core deposits | 53.1713% | 7,079 |
| Total domestic deposits to total assets | 87.6530% | 2,181 |
| Equity capital to assets | 11.2528% | 2,635 |
| Core capital (leverage) ratio | 11.1281% | 2,148 |
| Tier 1 risk-based capital ratio | 20.9947% | 1,336 |
| Total risk-based capital ratio | 21.9669% | 1,362 |
| Memoranda: | ||
| Average total assets | $88,711,000 | 5,427 |
| Average earning assets | $76,315,000 | 5,565 |
| Average equity | $9,817,330 | 5,255 |
| Average total loans | $39,808,000 | 6,053 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 7,557 |
| Cost of funding earning assets | 1.0681% | 6,052 |
| Net interest margin | 2.7769% | 7,215 |
| Noninterest income to average assets | 0.3810% | 5,088 |
| Noninterest expense to average assets | 2.6714% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0852% | 6,062 |
| Return on assets (ROA) | 0.0852% | 6,168 |
| Pretax return on assets | 0.0986% | 6,135 |
| Return on Equity (ROE) | 0.7759% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.7759% | 5,514 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4401% | 1,000 |
| Assets per employee ($millions) | 2.9920% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,631 |
| Loan loss allowance to noncurrent loans | 22,550.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 6,653 |
| Noncurrent loans to loans | 0.0052% | 7,411 |
| Net loans and leases to total assets | 43.7051% | 7,017 |
| Net loans and leases to deposits | 49.8135% | 7,133 |
| Net loans and leases to core deposits | 52.8589% | 7,162 |
| Total domestic deposits to total assets | 87.7374% | 2,219 |
| Equity capital to assets | 11.2922% | 2,510 |
| Core capital (leverage) ratio | 10.5540% | 2,571 |
| Tier 1 risk-based capital ratio | 21.0732% | 1,330 |
| Total risk-based capital ratio | 22.0547% | 1,344 |
| Memoranda: | ||
| Average total assets | $89,242,000 | 5,476 |
| Average earning assets | $76,775,000 | 5,612 |
| Average equity | $9,794,500 | 5,294 |
| Average total loans | $40,188,500 | 6,114 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 7,220 |
| Cost of funding earning assets | 1.3913% | 5,969 |
| Net interest margin | 3.2512% | 5,927 |
| Noninterest income to average assets | 0.4236% | 5,017 |
| Noninterest expense to average assets | 2.8578% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2267% | 4,812 |
| Return on assets (ROA) | 0.2267% | 4,882 |
| Pretax return on assets | 0.3297% | 4,690 |
| Return on Equity (ROE) | 2.0476% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.0373% | 3,683 |
| Net charge-offs to loans | 0.0024% | 7,217 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 101 |
| Efficiency ratio | 89.6552% | 1,734 |
| Assets per employee ($millions) | 3.0572% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.5051% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 6,021 |
| Loan loss allowance to noncurrent loans | 45,100.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 6,656 |
| Noncurrent loans to loans | 0.0024% | 7,451 |
| Net loans and leases to total assets | 45.3062% | 7,031 |
| Net loans and leases to deposits | 51.3355% | 7,183 |
| Net loans and leases to core deposits | 60.6118% | 7,245 |
| Total domestic deposits to total assets | 88.2550% | 1,856 |
| Equity capital to assets | 10.6753% | 2,995 |
| Core capital (leverage) ratio | 11.1521% | 2,143 |
| Tier 1 risk-based capital ratio | 21.4003% | 1,236 |
| Total risk-based capital ratio | 22.3989% | 1,240 |
| Memoranda: | ||
| Average total assets | $87,340,400 | 5,473 |
| Average earning assets | $74,249,400 | 5,668 |
| Average equity | $9,669,800 | 5,392 |
| Average total loans | $41,991,400 | 6,013 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 7,203 |
| Cost of funding earning assets | 1.4475% | 6,045 |
| Net interest margin | 3.3045% | 5,622 |
| Noninterest income to average assets | 0.4375% | 4,978 |
| Noninterest expense to average assets | 2.8893% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2659% | 4,926 |
| Return on assets (ROA) | 0.2659% | 5,021 |
| Pretax return on assets | 0.3927% | 4,815 |
| Return on Equity (ROE) | 2.3791% | 5,038 |
| Retained earnings to average equity (ytd only) | 2.3791% | 3,996 |
| Net charge-offs to loans | 0.0032% | 6,943 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 254.6316% | 148 |
| Efficiency ratio | 88.0358% | 1,870 |
| Assets per employee ($millions) | 2.8333% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,615 |
| Loan loss allowance to noncurrent loans | 45,100.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 6,636 |
| Noncurrent loans to loans | 0.0025% | 7,536 |
| Net loans and leases to total assets | 46.9664% | 7,036 |
| Net loans and leases to deposits | 54.1603% | 7,202 |
| Net loans and leases to core deposits | 64.4542% | 7,227 |
| Total domestic deposits to total assets | 86.7175% | 2,318 |
| Equity capital to assets | 11.4648% | 2,623 |
| Core capital (leverage) ratio | 10.9447% | 2,447 |
| Tier 1 risk-based capital ratio | 22.7493% | 1,138 |
| Total risk-based capital ratio | 23.8136% | 1,140 |
| Memoranda: | ||
| Average total assets | $86,246,500 | 5,545 |
| Average earning assets | $74,239,500 | 5,708 |
| Average equity | $9,639,500 | 5,446 |
| Average total loans | $41,988,250 | 6,070 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 7,243 |
| Cost of funding earning assets | 1.5017% | 6,132 |
| Net interest margin | 3.2897% | 5,595 |
| Noninterest income to average assets | 0.4362% | 4,974 |
| Noninterest expense to average assets | 2.7994% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3116% | 4,839 |
| Return on assets (ROA) | 0.3116% | 4,956 |
| Pretax return on assets | 0.4731% | 4,708 |
| Return on Equity (ROE) | 2.8112% | 4,974 |
| Retained earnings to average equity (ytd only) | 2.8112% | 3,757 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5430% | 2,276 |
| Assets per employee ($millions) | 2.8346% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,894 |
| Loan loss allowance to noncurrent loans | 157.4913% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 6,614 |
| Noncurrent loans to loans | 0.6681% | 5,916 |
| Net loans and leases to total assets | 49.9818% | 6,876 |
| Net loans and leases to deposits | 57.5742% | 7,055 |
| Net loans and leases to core deposits | 68.0985% | 7,115 |
| Total domestic deposits to total assets | 86.8128% | 2,353 |
| Equity capital to assets | 11.3315% | 2,649 |
| Core capital (leverage) ratio | 11.1505% | 2,288 |
| Tier 1 risk-based capital ratio | 21.9107% | 1,268 |
| Total risk-based capital ratio | 22.9420% | 1,270 |
| Memoranda: | ||
| Average total assets | $86,662,330 | 5,564 |
| Average earning assets | $74,717,670 | 5,718 |
| Average equity | $9,604,330 | 5,485 |
| Average total loans | $42,527,000 | 6,089 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 7,363 |
| Cost of funding earning assets | 1.5765% | 6,133 |
| Net interest margin | 3.2274% | 5,770 |
| Noninterest income to average assets | 0.3247% | 5,858 |
| Noninterest expense to average assets | 2.7894% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2103% | 5,630 |
| Return on assets (ROA) | 0.2103% | 5,792 |
| Pretax return on assets | 0.3155% | 5,641 |
| Return on Equity (ROE) | 1.9190% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.9190% | 4,785 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8380% | 1,731 |
| Assets per employee ($millions) | 2.8147% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 5,779 |
| Loan loss allowance to noncurrent loans | 9,040.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,634 |
| Noncurrent loans to loans | 0.0117% | 7,537 |
| Net loans and leases to total assets | 48.5566% | 6,980 |
| Net loans and leases to deposits | 55.6235% | 7,177 |
| Net loans and leases to core deposits | 64.1517% | 7,312 |
| Total domestic deposits to total assets | 87.2950% | 2,071 |
| Equity capital to assets | 10.9905% | 2,970 |
| Core capital (leverage) ratio | 10.6465% | 2,793 |
| Tier 1 risk-based capital ratio | 21.6080% | 1,357 |
| Total risk-based capital ratio | 22.6346% | 1,356 |
| Memoranda: | ||
| Average total assets | $87,475,000 | 5,568 |
| Average earning assets | $75,355,000 | 5,719 |
| Average equity | $9,588,500 | 5,512 |
| Average total loans | $42,313,000 | 6,122 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2329% | 7,657 |
| Cost of funding earning assets | 2.0874% | 6,103 |
| Net interest margin | 3.1455% | 6,533 |
| Noninterest income to average assets | 0.4032% | 5,445 |
| Noninterest expense to average assets | 2.7413% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3059% | 5,522 |
| Return on assets (ROA) | 0.3059% | 5,340 |
| Pretax return on assets | 0.4840% | 5,021 |
| Return on Equity (ROE) | 2.7749% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.7112% | 3,494 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9927% | 1,951 |
| Assets per employee ($millions) | 2.8288% | 6,494 |
| Cash dividends to net income (ytd only)* | 2.2989% | 4,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 5,408 |
| Loan loss allowance to noncurrent loans | 15,066.6667% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 7,644 |
| Noncurrent loans to loans | 0.0072% | 7,527 |
| Net loans and leases to total assets | 47.1566% | 7,244 |
| Net loans and leases to deposits | 53.9019% | 7,443 |
| Net loans and leases to core deposits | 61.9697% | 7,509 |
| Total domestic deposits to total assets | 87.4859% | 1,713 |
| Equity capital to assets | 10.9325% | 3,099 |
| Core capital (leverage) ratio | 11.0368% | 2,567 |
| Tier 1 risk-based capital ratio | 22.3624% | 1,271 |
| Total risk-based capital ratio | 23.4299% | 1,259 |
| Memoranda: | ||
| Average total assets | $85,325,000 | 5,503 |
| Average earning assets | $76,553,600 | 5,561 |
| Average equity | $9,405,600 | 5,603 |
| Average total loans | $42,184,200 | 6,064 |