Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 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 | 5.5163% | 247 |
| Cost of funding earning assets | 0.5404% | 1,789 |
| Net interest margin | 4.9758% | 260 |
| Noninterest income to average assets | 1.0919% | 907 |
| Noninterest expense to average assets | 4.4944% | 399 |
| Loan and lease loss provision to assets | -0.0237% | 5,914 |
| Net operating income to assets | 0.4827% | 4,699 |
| Return on assets (ROA) | 0.4827% | 4,796 |
| Pretax return on assets | 0.4827% | 5,133 |
| Return on Equity (ROE) | 4.9939% | 4,486 |
| Retained earnings to average equity (ytd only) | -4.8301% | 5,602 |
| Net charge-offs to loans | -0.0412% | 5,233 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7348% | 623 |
| Assets per employee ($millions) | 2.0352% | 5,991 |
| Cash dividends to net income (ytd only)* | 196.7213% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 2,483 |
| Loan loss allowance to noncurrent loans | 107.8167% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 2,780 |
| Noncurrent loans to loans | 1.2867% | 1,878 |
| Net loans and leases to total assets | 55.8833% | 4,269 |
| Net loans and leases to deposits | 61.8130% | 4,590 |
| Net loans and leases to core deposits | 63.6278% | 4,717 |
| Total domestic deposits to total assets | 90.4070% | 462 |
| Equity capital to assets | 9.5458% | 4,628 |
| Core capital (leverage) ratio | 9.6388% | 3,980 |
| Tier 1 risk-based capital ratio | 15.8736% | 2,750 |
| Total risk-based capital ratio | 17.1253% | 2,677 |
| Memoranda: | ||
| Average total assets | $50,552,000 | 5,499 |
| Average earning assets | $39,229,500 | 5,654 |
| Average equity | $4,886,000 | 5,642 |
| Average total loans | $29,104,500 | 5,373 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 248 |
| Cost of funding earning assets | 0.5910% | 1,429 |
| Net interest margin | 4.9666% | 270 |
| Noninterest income to average assets | 1.2069% | 823 |
| Noninterest expense to average assets | 3.9836% | 688 |
| Loan and lease loss provision to assets | 0.0824% | 2,648 |
| Net operating income to assets | 1.0656% | 2,064 |
| Return on assets (ROA) | 1.0636% | 2,147 |
| Pretax return on assets | 1.0636% | 3,213 |
| Return on Equity (ROE) | 11.3176% | 1,497 |
| Retained earnings to average equity (ytd only) | 5.2412% | 2,246 |
| Net charge-offs to loans | 0.1594% | 1,782 |
| Credit loss provision to net charge-offs | 91.3043% | 2,740 |
| Earnings coverage of net charge-offs (x) | 12.7174% | 2,438 |
| Efficiency ratio | 77.6291% | 2,024 |
| Assets per employee ($millions) | 2.0089% | 6,050 |
| Cash dividends to net income (ytd only)* | 53.6900% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,604 |
| Loan loss allowance to noncurrent loans | 975.6098% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,115 |
| Noncurrent loans to loans | 0.1396% | 4,936 |
| Net loans and leases to total assets | 57.6927% | 4,125 |
| Net loans and leases to deposits | 64.0275% | 4,467 |
| Net loans and leases to core deposits | 65.9362% | 4,599 |
| Total domestic deposits to total assets | 90.1061% | 589 |
| Equity capital to assets | 9.7864% | 4,204 |
| Core capital (leverage) ratio | 9.7871% | 3,791 |
| Tier 1 risk-based capital ratio | 16.2512% | 2,582 |
| Total risk-based capital ratio | 17.5010% | 2,544 |
| Memoranda: | ||
| Average total assets | $50,958,800 | 5,525 |
| Average earning assets | $40,268,600 | 5,670 |
| Average equity | $4,789,000 | 5,701 |
| Average total loans | $28,861,000 | 5,409 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 283 |
| Cost of funding earning assets | 0.6045% | 1,380 |
| Net interest margin | 4.8557% | 335 |
| Noninterest income to average assets | 1.2018% | 838 |
| Noninterest expense to average assets | 3.8454% | 794 |
| Loan and lease loss provision to assets | 0.0287% | 3,664 |
| Net operating income to assets | 1.1810% | 1,715 |
| Return on assets (ROA) | 1.1784% | 1,792 |
| Pretax return on assets | 1.1784% | 2,897 |
| Return on Equity (ROE) | 12.6674% | 1,204 |
| Retained earnings to average equity (ytd only) | 5.9693% | 2,270 |
| Net charge-offs to loans | -0.0557% | 5,578 |
| Credit loss provision to net charge-offs | -91.6667% | 5,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0701% | 2,236 |
| Assets per employee ($millions) | 2.0047% | 6,136 |
| Cash dividends to net income (ytd only)* | 52.8765% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 2,432 |
| Loan loss allowance to noncurrent loans | 235.9116% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 3,600 |
| Noncurrent loans to loans | 0.6082% | 3,491 |
| Net loans and leases to total assets | 58.5239% | 4,077 |
| Net loans and leases to deposits | 64.9937% | 4,466 |
| Net loans and leases to core deposits | 66.9337% | 4,627 |
| Total domestic deposits to total assets | 90.0455% | 550 |
| Equity capital to assets | 9.7310% | 4,476 |
| Core capital (leverage) ratio | 9.4532% | 4,361 |
| Tier 1 risk-based capital ratio | 14.9569% | 3,314 |
| Total risk-based capital ratio | 16.2082% | 3,257 |
| Memoranda: | ||
| Average total assets | $51,142,750 | 5,590 |
| Average earning assets | $40,583,750 | 5,737 |
| Average equity | $4,757,500 | 5,787 |
| Average total loans | $28,732,500 | 5,481 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 331 |
| Cost of funding earning assets | 0.6046% | 1,378 |
| Net interest margin | 4.7540% | 396 |
| Noninterest income to average assets | 1.1421% | 918 |
| Noninterest expense to average assets | 3.8536% | 810 |
| Loan and lease loss provision to assets | 0.0311% | 3,506 |
| Net operating income to assets | 1.0450% | 2,159 |
| Return on assets (ROA) | 1.0450% | 2,269 |
| Pretax return on assets | 1.0450% | 3,396 |
| Return on Equity (ROE) | 11.4039% | 1,559 |
| Retained earnings to average equity (ytd only) | 6.3167% | 2,055 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1718% | 2,041 |
| Assets per employee ($millions) | 1.9875% | 6,214 |
| Cash dividends to net income (ytd only)* | 44.6097% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 2,648 |
| Loan loss allowance to noncurrent loans | 686.6667% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 4,614 |
| Noncurrent loans to loans | 0.2073% | 4,940 |
| Net loans and leases to total assets | 55.2249% | 4,418 |
| Net loans and leases to deposits | 61.0295% | 4,776 |
| Net loans and leases to core deposits | 62.7830% | 4,889 |
| Total domestic deposits to total assets | 90.4888% | 457 |
| Equity capital to assets | 9.3099% | 4,886 |
| Core capital (leverage) ratio | 9.2312% | 4,645 |
| Tier 1 risk-based capital ratio | 14.9275% | 3,398 |
| Total risk-based capital ratio | 16.1780% | 3,331 |
| Memoranda: | ||
| Average total assets | $51,484,330 | 5,647 |
| Average earning assets | $41,017,670 | 5,786 |
| Average equity | $4,717,670 | 5,851 |
| Average total loans | $28,390,670 | 5,536 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 330 |
| Cost of funding earning assets | 0.6065% | 1,388 |
| Net interest margin | 4.7347% | 394 |
| Noninterest income to average assets | 0.9808% | 1,162 |
| Noninterest expense to average assets | 3.6662% | 1,046 |
| Loan and lease loss provision to assets | 0.0311% | 3,268 |
| Net operating income to assets | 1.0508% | 2,031 |
| Return on assets (ROA) | 1.0508% | 2,175 |
| Pretax return on assets | 1.0508% | 3,297 |
| Return on Equity (ROE) | 11.5607% | 1,463 |
| Retained earnings to average equity (ytd only) | 1.2845% | 4,969 |
| Net charge-offs to loans | 0.0427% | 2,382 |
| Credit loss provision to net charge-offs | 133.3333% | 1,348 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 889 |
| Efficiency ratio | 77.2131% | 2,307 |
| Assets per employee ($millions) | 2.2735% | 6,204 |
| Cash dividends to net income (ytd only)* | 88.8889% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 2,545 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 4,231 |
| Noncurrent loans to loans | 0.7882% | 3,284 |
| Net loans and leases to total assets | 51.6351% | 4,691 |
| Net loans and leases to deposits | 56.7919% | 4,998 |
| Net loans and leases to core deposits | 58.3935% | 5,093 |
| Total domestic deposits to total assets | 90.9199% | 397 |
| Equity capital to assets | 8.9482% | 5,351 |
| Core capital (leverage) ratio | 9.1353% | 4,806 |
| Tier 1 risk-based capital ratio | 14.5568% | 3,691 |
| Total risk-based capital ratio | 15.8072% | 3,616 |
| Memoranda: | ||
| Average total assets | $51,388,500 | 5,695 |
| Average earning assets | $40,890,000 | 5,841 |
| Average equity | $4,671,000 | 5,915 |
| Average total loans | $28,111,000 | 5,590 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6391% | 252 |
| Cost of funding earning assets | 0.6537% | 1,382 |
| Net interest margin | 4.9854% | 314 |
| Noninterest income to average assets | 0.7995% | 1,878 |
| Noninterest expense to average assets | 4.0705% | 702 |
| Loan and lease loss provision to assets | -0.3939% | 6,419 |
| Net operating income to assets | 1.2229% | 1,517 |
| Return on assets (ROA) | 1.2209% | 1,572 |
| Pretax return on assets | 1.2209% | 2,561 |
| Return on Equity (ROE) | 12.6078% | 1,233 |
| Retained earnings to average equity (ytd only) | -8.9475% | 6,284 |
| Net charge-offs to loans | -0.0304% | 5,789 |
| Credit loss provision to net charge-offs | 2,222.2222% | 143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0788% | 1,509 |
| Assets per employee ($millions) | 2.2949% | 6,275 |
| Cash dividends to net income (ytd only)* | 170.9677% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 2,941 |
| Loan loss allowance to noncurrent loans | 348.2759% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 4,992 |
| Noncurrent loans to loans | 0.4025% | 4,433 |
| Net loans and leases to total assets | 56.2779% | 4,297 |
| Net loans and leases to deposits | 62.1022% | 4,717 |
| Net loans and leases to core deposits | 63.9213% | 4,831 |
| Total domestic deposits to total assets | 90.6213% | 488 |
| Equity capital to assets | 9.2360% | 5,027 |
| Core capital (leverage) ratio | 9.2384% | 4,622 |
| Tier 1 risk-based capital ratio | 14.6670% | 3,685 |
| Total risk-based capital ratio | 15.9184% | 3,612 |
| Memoranda: | ||
| Average total assets | $50,780,600 | 5,771 |
| Average earning assets | $41,762,000 | 5,878 |
| Average equity | $4,917,600 | 5,879 |
| Average total loans | $29,630,200 | 5,576 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 250 |
| Cost of funding earning assets | 0.6634% | 1,370 |
| Net interest margin | 4.9806% | 311 |
| Noninterest income to average assets | 0.7079% | 2,287 |
| Noninterest expense to average assets | 4.0166% | 740 |
| Loan and lease loss provision to assets | -0.5244% | 6,535 |
| Net operating income to assets | 1.3293% | 1,290 |
| Return on assets (ROA) | 1.3293% | 1,350 |
| Pretax return on assets | 1.3293% | 2,273 |
| Return on Equity (ROE) | 13.5705% | 1,079 |
| Retained earnings to average equity (ytd only) | -14.8017% | 6,444 |
| Net charge-offs to loans | -0.0492% | 5,899 |
| Credit loss provision to net charge-offs | 1,818.1818% | 197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3061% | 1,469 |
| Assets per employee ($millions) | 2.2017% | 6,381 |
| Cash dividends to net income (ytd only)* | 209.0742% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 3,342 |
| Loan loss allowance to noncurrent loans | 255.3459% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 4,895 |
| Noncurrent loans to loans | 0.5333% | 4,335 |
| Net loans and leases to total assets | 58.0778% | 4,056 |
| Net loans and leases to deposits | 64.1118% | 4,526 |
| Net loans and leases to core deposits | 65.9816% | 4,715 |
| Total domestic deposits to total assets | 90.5883% | 493 |
| Equity capital to assets | 8.9911% | 5,364 |
| Core capital (leverage) ratio | 8.8397% | 5,283 |
| Tier 1 risk-based capital ratio | 13.8565% | 4,316 |
| Total risk-based capital ratio | 15.0924% | 4,263 |
| Memoranda: | ||
| Average total assets | $50,854,000 | 5,831 |
| Average earning assets | $42,002,250 | 5,942 |
| Average equity | $4,981,250 | 5,917 |
| Average total loans | $29,833,500 | 5,624 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6037% | 260 |
| Cost of funding earning assets | 0.6827% | 1,294 |
| Net interest margin | 4.9210% | 335 |
| Noninterest income to average assets | 0.5184% | 3,352 |
| Noninterest expense to average assets | 4.1276% | 651 |
| Loan and lease loss provision to assets | -0.7855% | 6,620 |
| Net operating income to assets | 1.2528% | 1,439 |
| Return on assets (ROA) | 1.2528% | 1,501 |
| Pretax return on assets | 1.2528% | 2,442 |
| Return on Equity (ROE) | 12.4512% | 1,314 |
| Retained earnings to average equity (ytd only) | 2.3029% | 4,731 |
| Net charge-offs to loans | -0.0737% | 6,043 |
| Credit loss provision to net charge-offs | 1,818.1818% | 202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8291% | 934 |
| Assets per employee ($millions) | 2.2433% | 6,423 |
| Cash dividends to net income (ytd only)* | 81.5047% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 3,532 |
| Loan loss allowance to noncurrent loans | 414.2857% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 5,456 |
| Noncurrent loans to loans | 0.3288% | 5,028 |
| Net loans and leases to total assets | 56.9831% | 4,113 |
| Net loans and leases to deposits | 63.5381% | 4,542 |
| Net loans and leases to core deposits | 65.3719% | 4,697 |
| Total domestic deposits to total assets | 89.6833% | 979 |
| Equity capital to assets | 10.0085% | 4,092 |
| Core capital (leverage) ratio | 10.1810% | 3,368 |
| Tier 1 risk-based capital ratio | 15.9670% | 3,108 |
| Total risk-based capital ratio | 17.2159% | 3,044 |
| Memoranda: | ||
| Average total assets | $50,925,670 | 5,880 |
| Average earning assets | $42,186,330 | 5,992 |
| Average equity | $5,124,000 | 5,929 |
| Average total loans | $29,839,330 | 5,665 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6941% | 227 |
| Cost of funding earning assets | 0.6986% | 1,257 |
| Net interest margin | 4.9955% | 278 |
| Noninterest income to average assets | 1.0437% | 1,029 |
| Noninterest expense to average assets | 3.9612% | 794 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2097% | 1,459 |
| Return on assets (ROA) | 1.2097% | 1,521 |
| Pretax return on assets | 1.2097% | 2,449 |
| Return on Equity (ROE) | 11.9906% | 1,406 |
| Retained earnings to average equity (ytd only) | -0.2351% | 5,605 |
| Net charge-offs to loans | -0.0536% | 5,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6055% | 2,713 |
| Assets per employee ($millions) | 2.1375% | 6,537 |
| Cash dividends to net income (ytd only)* | 101.9608% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0218% | 1,469 |
| Loan loss allowance to noncurrent loans | 611.2245% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 3,970 |
| Noncurrent loans to loans | 0.3308% | 5,119 |
| Net loans and leases to total assets | 56.5848% | 4,070 |
| Net loans and leases to deposits | 62.9962% | 4,432 |
| Net loans and leases to core deposits | 65.2139% | 4,578 |
| Total domestic deposits to total assets | 89.8226% | 1,169 |
| Equity capital to assets | 9.9435% | 3,913 |
| Core capital (leverage) ratio | 10.0683% | 3,473 |
| Tier 1 risk-based capital ratio | 15.8323% | 3,255 |
| Total risk-based capital ratio | 17.0893% | 3,215 |
| Memoranda: | ||
| Average total assets | $50,590,500 | 5,948 |
| Average earning assets | $41,798,000 | 6,062 |
| Average equity | $5,104,000 | 5,973 |
| Average total loans | $29,855,500 | 5,718 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9548% | 186 |
| Cost of funding earning assets | 0.8115% | 1,151 |
| Net interest margin | 5.1433% | 235 |
| Noninterest income to average assets | 1.1615% | 1,042 |
| Noninterest expense to average assets | 4.1854% | 709 |
| Loan and lease loss provision to assets | 0.0197% | 4,746 |
| Net operating income to assets | 1.1989% | 1,569 |
| Return on assets (ROA) | 1.1989% | 1,639 |
| Pretax return on assets | 1.1989% | 2,588 |
| Return on Equity (ROE) | 12.1102% | 1,383 |
| Retained earnings to average equity (ytd only) | 2.8038% | 4,251 |
| Net charge-offs to loans | 0.0164% | 5,115 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 123.8000% | 380 |
| Efficiency ratio | 77.4499% | 2,548 |
| Assets per employee ($millions) | 1.9952% | 6,641 |
| Cash dividends to net income (ytd only)* | 76.8473% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 1,605 |
| Loan loss allowance to noncurrent loans | 561.3208% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 3,896 |
| Noncurrent loans to loans | 0.3523% | 5,135 |
| Net loans and leases to total assets | 59.1187% | 3,858 |
| Net loans and leases to deposits | 66.0344% | 4,294 |
| Net loans and leases to core deposits | 68.4327% | 4,458 |
| Total domestic deposits to total assets | 89.5271% | 1,316 |
| Equity capital to assets | 10.2384% | 3,456 |
| Core capital (leverage) ratio | 10.0825% | 3,459 |
| Tier 1 risk-based capital ratio | 15.7146% | 3,245 |
| Total risk-based capital ratio | 16.9703% | 3,197 |
| Memoranda: | ||
| Average total assets | $50,796,000 | 5,997 |
| Average earning assets | $41,898,800 | 6,114 |
| Average equity | $5,028,800 | 6,057 |
| Average total loans | $30,450,800 | 5,739 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9747% | 188 |
| Cost of funding earning assets | 0.8273% | 1,172 |
| Net interest margin | 5.1474% | 235 |
| Noninterest income to average assets | 1.1706% | 1,074 |
| Noninterest expense to average assets | 4.1730% | 707 |
| Loan and lease loss provision to assets | 0.0261% | 4,485 |
| Net operating income to assets | 1.2151% | 1,585 |
| Return on assets (ROA) | 1.2151% | 1,654 |
| Pretax return on assets | 1.2151% | 2,637 |
| Return on Equity (ROE) | 12.3767% | 1,378 |
| Retained earnings to average equity (ytd only) | 2.6882% | 4,706 |
| Net charge-offs to loans | -0.2052% | 6,655 |
| Credit loss provision to net charge-offs | -21.2766% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0753% | 2,552 |
| Assets per employee ($millions) | 1.9566% | 6,716 |
| Cash dividends to net income (ytd only)* | 78.2799% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1606% | 1,398 |
| Loan loss allowance to noncurrent loans | 735.2273% | 637 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 3,380 |
| Noncurrent loans to loans | 0.2939% | 5,496 |
| Net loans and leases to total assets | 57.5947% | 4,077 |
| Net loans and leases to deposits | 64.2649% | 4,493 |
| Net loans and leases to core deposits | 66.6735% | 4,654 |
| Total domestic deposits to total assets | 89.6208% | 1,210 |
| Equity capital to assets | 9.9684% | 3,941 |
| Core capital (leverage) ratio | 9.9693% | 3,717 |
| Tier 1 risk-based capital ratio | 15.4576% | 3,493 |
| Total risk-based capital ratio | 16.7180% | 3,440 |
| Memoranda: | ||
| Average total assets | $51,024,750 | 6,059 |
| Average earning assets | $42,065,250 | 6,179 |
| Average equity | $5,009,250 | 6,132 |
| Average total loans | $30,542,500 | 5,784 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9465% | 195 |
| Cost of funding earning assets | 0.8407% | 1,197 |
| Net interest margin | 5.1058% | 253 |
| Noninterest income to average assets | 1.1708% | 1,107 |
| Noninterest expense to average assets | 4.2133% | 684 |
| Loan and lease loss provision to assets | 0.0392% | 4,166 |
| Net operating income to assets | 1.1512% | 1,738 |
| Return on assets (ROA) | 1.1512% | 1,854 |
| Pretax return on assets | 1.1512% | 2,879 |
| Return on Equity (ROE) | 11.7867% | 1,560 |
| Retained earnings to average equity (ytd only) | 1.3631% | 5,341 |
| Net charge-offs to loans | -0.3318% | 6,775 |
| Credit loss provision to net charge-offs | -19.6078% | 5,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9710% | 2,461 |
| Assets per employee ($millions) | 1.9841% | 6,757 |
| Cash dividends to net income (ytd only)* | 88.4354% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 1,516 |
| Loan loss allowance to noncurrent loans | 4,650.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 3,816 |
| Noncurrent loans to loans | 0.0464% | 6,250 |
| Net loans and leases to total assets | 57.2248% | 4,106 |
| Net loans and leases to deposits | 63.6125% | 4,549 |
| Net loans and leases to core deposits | 65.9503% | 4,694 |
| Total domestic deposits to total assets | 89.9585% | 1,050 |
| Equity capital to assets | 9.7100% | 4,297 |
| Core capital (leverage) ratio | 9.7616% | 3,849 |
| Tier 1 risk-based capital ratio | 15.1114% | 3,700 |
| Total risk-based capital ratio | 16.3689% | 3,664 |
| Memoranda: | ||
| Average total assets | $51,076,000 | 6,098 |
| Average earning assets | $42,344,000 | 6,211 |
| Average equity | $4,988,670 | 6,185 |
| Average total loans | $30,741,330 | 5,810 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9383% | 190 |
| Cost of funding earning assets | 0.8605% | 1,200 |
| Net interest margin | 5.0778% | 252 |
| Noninterest income to average assets | 1.0468% | 1,351 |
| Noninterest expense to average assets | 4.2187% | 696 |
| Loan and lease loss provision to assets | 0.0630% | 3,582 |
| Net operating income to assets | 0.9917% | 2,260 |
| Return on assets (ROA) | 0.9917% | 2,380 |
| Pretax return on assets | 0.9917% | 3,388 |
| Return on Equity (ROE) | 10.1235% | 2,018 |
| Retained earnings to average equity (ytd only) | -2.4104% | 6,129 |
| Net charge-offs to loans | -0.3739% | 6,810 |
| Credit loss provision to net charge-offs | -27.5862% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,331 |
| Assets per employee ($millions) | 1.9989% | 6,839 |
| Cash dividends to net income (ytd only)* | 123.8095% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0535% | 1,909 |
| Loan loss allowance to noncurrent loans | 20,900.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 3,955 |
| Noncurrent loans to loans | 0.0098% | 6,479 |
| Net loans and leases to total assets | 57.5436% | 3,836 |
| Net loans and leases to deposits | 63.8294% | 4,336 |
| Net loans and leases to core deposits | 66.1491% | 4,511 |
| Total domestic deposits to total assets | 90.1522% | 959 |
| Equity capital to assets | 9.5476% | 4,784 |
| Core capital (leverage) ratio | 9.6538% | 3,844 |
| Tier 1 risk-based capital ratio | 14.6201% | 4,092 |
| Total risk-based capital ratio | 15.8762% | 4,050 |
| Memoranda: | ||
| Average total assets | $50,821,000 | 6,163 |
| Average earning assets | $42,301,500 | 6,270 |
| Average equity | $4,978,500 | 6,250 |
| Average total loans | $31,026,500 | 5,844 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7529% | 97 |
| Cost of funding earning assets | 1.0448% | 1,143 |
| Net interest margin | 5.7081% | 127 |
| Noninterest income to average assets | 1.1458% | 1,190 |
| Noninterest expense to average assets | 4.2612% | 712 |
| Loan and lease loss provision to assets | 0.1425% | 3,826 |
| Net operating income to assets | 1.2532% | 1,440 |
| Return on assets (ROA) | 1.2805% | 1,514 |
| Pretax return on assets | 1.2805% | 2,490 |
| Return on Equity (ROE) | 13.3328% | 1,147 |
| Retained earnings to average equity (ytd only) | 3.8210% | 3,514 |
| Net charge-offs to loans | 0.3525% | 2,871 |
| Credit loss provision to net charge-offs | 63.4783% | 4,360 |
| Earnings coverage of net charge-offs (x) | 6.2174% | 2,851 |
| Efficiency ratio | 75.3278% | 2,857 |
| Assets per employee ($millions) | 1.8397% | 6,935 |
| Cash dividends to net income (ytd only)* | 71.3415% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 2,377 |
| Loan loss allowance to noncurrent loans | 295.0000% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 3,981 |
| Noncurrent loans to loans | 0.6345% | 4,935 |
| Net loans and leases to total assets | 62.2697% | 3,212 |
| Net loans and leases to deposits | 69.4650% | 3,773 |
| Net loans and leases to core deposits | 72.1231% | 4,030 |
| Total domestic deposits to total assets | 89.6418% | 1,162 |
| Equity capital to assets | 10.0562% | 4,098 |
| Core capital (leverage) ratio | 9.8387% | 3,617 |
| Tier 1 risk-based capital ratio | 15.2097% | 3,606 |
| Total risk-based capital ratio | 16.4660% | 3,547 |
| Memoranda: | ||
| Average total assets | $51,230,000 | 6,175 |
| Average earning assets | $40,486,400 | 6,347 |
| Average equity | $4,920,200 | 6,319 |
| Average total loans | $32,621,800 | 5,820 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8519% | 92 |
| Cost of funding earning assets | 1.0725% | 1,185 |
| Net interest margin | 5.7794% | 124 |
| Noninterest income to average assets | 1.1675% | 1,117 |
| Noninterest expense to average assets | 4.2076% | 715 |
| Loan and lease loss provision to assets | 0.0517% | 5,109 |
| Net operating income to assets | 1.4180% | 1,187 |
| Return on assets (ROA) | 1.4542% | 1,241 |
| Pretax return on assets | 1.4542% | 2,061 |
| Return on Equity (ROE) | 15.3147% | 849 |
| Retained earnings to average equity (ytd only) | 5.4132% | 3,091 |
| Net charge-offs to loans | -0.0770% | 6,800 |
| Credit loss provision to net charge-offs | -105.2632% | 6,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1128% | 2,964 |
| Assets per employee ($millions) | 1.9558% | 7,016 |
| Cash dividends to net income (ytd only)* | 64.6533% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 1,930 |
| Loan loss allowance to noncurrent loans | 416.7702% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 4,315 |
| Noncurrent loans to loans | 0.5015% | 5,439 |
| Net loans and leases to total assets | 61.8092% | 3,422 |
| Net loans and leases to deposits | 69.0435% | 4,020 |
| Net loans and leases to core deposits | 71.6223% | 4,301 |
| Total domestic deposits to total assets | 89.5221% | 1,113 |
| Equity capital to assets | 9.8623% | 4,691 |
| Core capital (leverage) ratio | 9.6362% | 4,066 |
| Tier 1 risk-based capital ratio | 14.8725% | 3,939 |
| Total risk-based capital ratio | 16.1311% | 3,891 |
| Memoranda: | ||
| Average total assets | $51,619,750 | 6,231 |
| Average earning assets | $40,280,000 | 6,420 |
| Average equity | $4,901,500 | 6,392 |
| Average total loans | $32,897,250 | 5,881 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0600% | 78 |
| Cost of funding earning assets | 1.1161% | 1,142 |
| Net interest margin | 5.9439% | 96 |
| Noninterest income to average assets | 1.1142% | 1,152 |
| Noninterest expense to average assets | 4.3141% | 642 |
| Loan and lease loss provision to assets | 0.0771% | 4,652 |
| Net operating income to assets | 1.2607% | 1,542 |
| Return on assets (ROA) | 1.3147% | 1,554 |
| Pretax return on assets | 1.3147% | 2,504 |
| Return on Equity (ROE) | 14.0223% | 1,115 |
| Retained earnings to average equity (ytd only) | 3.3308% | 4,387 |
| Net charge-offs to loans | -0.2895% | 7,069 |
| Credit loss provision to net charge-offs | -41.6667% | 5,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3302% | 2,695 |
| Assets per employee ($millions) | 2.0176% | 7,049 |
| Cash dividends to net income (ytd only)* | 76.2463% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 1,856 |
| Loan loss allowance to noncurrent loans | 248.2270% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0999% | 4,183 |
| Noncurrent loans to loans | 0.8718% | 4,753 |
| Net loans and leases to total assets | 60.3294% | 3,762 |
| Net loans and leases to deposits | 66.9367% | 4,372 |
| Net loans and leases to core deposits | 69.3375% | 4,620 |
| Total domestic deposits to total assets | 90.1291% | 855 |
| Equity capital to assets | 9.3410% | 5,266 |
| Core capital (leverage) ratio | 9.3913% | 4,311 |
| Tier 1 risk-based capital ratio | 14.1381% | 4,349 |
| Total risk-based capital ratio | 15.3985% | 4,310 |
| Memoranda: | ||
| Average total assets | $51,876,330 | 6,265 |
| Average earning assets | $39,603,670 | 6,491 |
| Average equity | $4,863,670 | 6,428 |
| Average total loans | $33,162,670 | 5,903 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4871% | 69 |
| Cost of funding earning assets | 1.2001% | 987 |
| Net interest margin | 6.2870% | 80 |
| Noninterest income to average assets | 1.0623% | 1,277 |
| Noninterest expense to average assets | 4.3035% | 658 |
| Loan and lease loss provision to assets | 0.1163% | 3,897 |
| Net operating income to assets | 1.2329% | 1,650 |
| Return on assets (ROA) | 1.3414% | 1,504 |
| Pretax return on assets | 1.3414% | 2,384 |
| Return on Equity (ROE) | 14.2813% | 1,129 |
| Retained earnings to average equity (ytd only) | 1.4034% | 5,532 |
| Net charge-offs to loans | -0.0596% | 6,602 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1317% | 2,766 |
| Assets per employee ($millions) | 1.9242% | 7,143 |
| Cash dividends to net income (ytd only)* | 90.1734% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9921% | 2,383 |
| Loan loss allowance to noncurrent loans | 237.9562% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 4,300 |
| Noncurrent loans to loans | 0.8372% | 5,001 |
| Net loans and leases to total assets | 61.7431% | 3,305 |
| Net loans and leases to deposits | 68.4462% | 3,986 |
| Net loans and leases to core deposits | 70.9204% | 4,302 |
| Total domestic deposits to total assets | 90.2067% | 966 |
| Equity capital to assets | 9.3179% | 5,069 |
| Core capital (leverage) ratio | 9.3313% | 4,316 |
| Tier 1 risk-based capital ratio | 13.8682% | 4,555 |
| Total risk-based capital ratio | 15.1269% | 4,530 |
| Memoranda: | ||
| Average total assets | $51,586,000 | 6,321 |
| Average earning assets | $37,665,000 | 6,618 |
| Average equity | $4,845,500 | 6,473 |
| Average total loans | $33,570,500 | 5,933 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4636% | 72 |
| Cost of funding earning assets | 1.3059% | 1,454 |
| Net interest margin | 6.1577% | 79 |
| Noninterest income to average assets | 0.9829% | 1,413 |
| Noninterest expense to average assets | 4.2791% | 736 |
| Loan and lease loss provision to assets | 0.3090% | 3,198 |
| Net operating income to assets | 1.2571% | 1,359 |
| Return on assets (ROA) | 1.2706% | 1,425 |
| Pretax return on assets | 1.2706% | 2,235 |
| Return on Equity (ROE) | 13.7663% | 989 |
| Retained earnings to average equity (ytd only) | 3.9751% | 3,368 |
| Net charge-offs to loans | 0.3673% | 3,565 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 6.3359% | 2,540 |
| Efficiency ratio | 73.2078% | 3,358 |
| Assets per employee ($millions) | 1.8970% | 7,193 |
| Cash dividends to net income (ytd only)* | 71.1246% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 2,755 |
| Loan loss allowance to noncurrent loans | 249.8024% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0992% | 4,420 |
| Noncurrent loans to loans | 0.7352% | 5,226 |
| Net loans and leases to total assets | 65.9514% | 2,795 |
| Net loans and leases to deposits | 73.1908% | 3,635 |
| Net loans and leases to core deposits | 75.8755% | 3,997 |
| Total domestic deposits to total assets | 90.1089% | 937 |
| Equity capital to assets | 9.4693% | 4,929 |
| Core capital (leverage) ratio | 9.2978% | 4,331 |
| Tier 1 risk-based capital ratio | 13.2918% | 4,844 |
| Total risk-based capital ratio | 14.5469% | 4,819 |
| Memoranda: | ||
| Average total assets | $51,786,800 | 6,307 |
| Average earning assets | $40,892,000 | 6,498 |
| Average equity | $4,779,800 | 6,511 |
| Average total loans | $34,849,000 | 5,921 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4159% | 73 |
| Cost of funding earning assets | 1.3343% | 1,532 |
| Net interest margin | 6.0817% | 85 |
| Noninterest income to average assets | 1.0296% | 1,273 |
| Noninterest expense to average assets | 4.3083% | 707 |
| Loan and lease loss provision to assets | 0.1155% | 4,987 |
| Net operating income to assets | 1.4507% | 1,049 |
| Return on assets (ROA) | 1.4686% | 1,090 |
| Pretax return on assets | 1.4686% | 1,740 |
| Return on Equity (ROE) | 16.0145% | 686 |
| Retained earnings to average equity (ytd only) | 5.8235% | 2,659 |
| Net charge-offs to loans | -0.0458% | 7,038 |
| Credit loss provision to net charge-offs | -375.0000% | 6,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3392% | 3,309 |
| Assets per employee ($millions) | 1.9225% | 7,255 |
| Cash dividends to net income (ytd only)* | 63.6360% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 2,546 |
| Loan loss allowance to noncurrent loans | 479.5620% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 5,003 |
| Noncurrent loans to loans | 0.4019% | 6,049 |
| Net loans and leases to total assets | 64.4017% | 3,229 |
| Net loans and leases to deposits | 71.6484% | 4,038 |
| Net loans and leases to core deposits | 74.2454% | 4,420 |
| Total domestic deposits to total assets | 89.8858% | 932 |
| Equity capital to assets | 9.3860% | 5,258 |
| Core capital (leverage) ratio | 9.1646% | 4,683 |
| Tier 1 risk-based capital ratio | 13.4293% | 4,788 |
| Total risk-based capital ratio | 14.6871% | 4,752 |
| Memoranda: | ||
| Average total assets | $51,929,000 | 6,361 |
| Average earning assets | $41,369,250 | 6,531 |
| Average equity | $4,762,250 | 6,571 |
| Average total loans | $34,958,500 | 5,973 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2757% | 83 |
| Cost of funding earning assets | 1.3301% | 1,757 |
| Net interest margin | 5.9456% | 97 |
| Noninterest income to average assets | 0.9627% | 1,421 |
| Noninterest expense to average assets | 4.2283% | 805 |
| Loan and lease loss provision to assets | 0.1155% | 4,838 |
| Net operating income to assets | 1.4903% | 909 |
| Return on assets (ROA) | 1.5134% | 924 |
| Pretax return on assets | 1.5134% | 1,495 |
| Return on Equity (ROE) | 16.6326% | 593 |
| Retained earnings to average equity (ytd only) | 5.6288% | 2,627 |
| Net charge-offs to loans | -0.2497% | 7,324 |
| Credit loss provision to net charge-offs | -68.1818% | 6,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4752% | 3,639 |
| Assets per employee ($millions) | 2.0315% | 7,284 |
| Cash dividends to net income (ytd only)* | 66.1578% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9368% | 2,549 |
| Loan loss allowance to noncurrent loans | 792.9412% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.9561% | 4,948 |
| Noncurrent loans to loans | 0.2443% | 6,432 |
| Net loans and leases to total assets | 64.6087% | 3,341 |
| Net loans and leases to deposits | 71.5574% | 4,193 |
| Net loans and leases to core deposits | 74.9111% | 4,453 |
| Total domestic deposits to total assets | 90.2893% | 823 |
| Equity capital to assets | 9.0765% | 5,470 |
| Core capital (leverage) ratio | 8.9709% | 4,771 |
| Tier 1 risk-based capital ratio | 12.9345% | 4,970 |
| Total risk-based capital ratio | 14.1929% | 4,940 |
| Memoranda: | ||
| Average total assets | $51,936,330 | 6,414 |
| Average earning assets | $42,552,670 | 6,558 |
| Average equity | $4,725,670 | 6,619 |
| Average total loans | $35,249,330 | 6,015 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9889% | 107 |
| Cost of funding earning assets | 1.3291% | 2,015 |
| Net interest margin | 5.6598% | 128 |
| Noninterest income to average assets | 0.8933% | 1,682 |
| Noninterest expense to average assets | 4.1479% | 872 |
| Loan and lease loss provision to assets | 0.1165% | 4,552 |
| Net operating income to assets | 1.4914% | 893 |
| Return on assets (ROA) | 1.5380% | 843 |
| Pretax return on assets | 1.5380% | 1,332 |
| Return on Equity (ROE) | 16.8816% | 586 |
| Retained earnings to average equity (ytd only) | 3.5809% | 4,037 |
| Net charge-offs to loans | -0.3270% | 7,353 |
| Credit loss provision to net charge-offs | -51.7241% | 5,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0648% | 3,847 |
| Assets per employee ($millions) | 1.9376% | 7,385 |
| Cash dividends to net income (ytd only)* | 78.7879% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,933 |
| Loan loss allowance to noncurrent loans | 625.2427% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 4,902 |
| Noncurrent loans to loans | 0.2920% | 6,402 |
| Net loans and leases to total assets | 66.2028% | 2,955 |
| Net loans and leases to deposits | 73.2003% | 3,893 |
| Net loans and leases to core deposits | 76.6561% | 4,210 |
| Total domestic deposits to total assets | 90.4406% | 872 |
| Equity capital to assets | 8.9860% | 5,219 |
| Core capital (leverage) ratio | 8.8945% | 4,784 |
| Tier 1 risk-based capital ratio | 12.6007% | 5,167 |
| Total risk-based capital ratio | 13.8559% | 5,139 |
| Memoranda: | ||
| Average total assets | $51,495,500 | 6,475 |
| Average earning assets | $44,241,500 | 6,554 |
| Average equity | $4,691,500 | 6,656 |
| Average total loans | $35,474,500 | 6,052 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2994% | 101 |
| Cost of funding earning assets | 1.5323% | 2,466 |
| Net interest margin | 5.7671% | 125 |
| Noninterest income to average assets | 0.7877% | 2,338 |
| Noninterest expense to average assets | 4.3849% | 735 |
| Loan and lease loss provision to assets | 0.1218% | 5,942 |
| Net operating income to assets | 1.4230% | 897 |
| Return on assets (ROA) | 1.4230% | 967 |
| Pretax return on assets | 1.4230% | 1,587 |
| Return on Equity (ROE) | 15.5034% | 644 |
| Retained earnings to average equity (ytd only) | 7.1656% | 1,257 |
| Net charge-offs to loans | 0.1681% | 5,323 |
| Credit loss provision to net charge-offs | 98.3607% | 4,703 |
| Earnings coverage of net charge-offs (x) | 12.4754% | 1,497 |
| Efficiency ratio | 73.9473% | 3,411 |
| Assets per employee ($millions) | 1.8769% | 7,466 |
| Cash dividends to net income (ytd only)* | 53.7803% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 3,284 |
| Loan loss allowance to noncurrent loans | 1,111.1111% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 5,139 |
| Noncurrent loans to loans | 0.1514% | 6,768 |
| Net loans and leases to total assets | 69.2063% | 2,723 |
| Net loans and leases to deposits | 76.7200% | 3,728 |
| Net loans and leases to core deposits | 80.4658% | 4,141 |
| Total domestic deposits to total assets | 90.2064% | 985 |
| Equity capital to assets | 9.2391% | 4,776 |
| Core capital (leverage) ratio | 9.2999% | 4,010 |
| Tier 1 risk-based capital ratio | 12.5027% | 5,018 |
| Total risk-based capital ratio | 13.7565% | 5,001 |
| Memoranda: | ||
| Average total assets | $49,260,400 | 6,567 |
| Average earning assets | $43,921,600 | 6,584 |
| Average equity | $4,521,600 | 6,812 |
| Average total loans | $36,293,600 | 6,099 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3186% | 103 |
| Cost of funding earning assets | 1.5596% | 2,609 |
| Net interest margin | 5.7590% | 122 |
| Noninterest income to average assets | 0.9787% | 1,528 |
| Noninterest expense to average assets | 4.4219% | 650 |
| Loan and lease loss provision to assets | 0.1227% | 5,801 |
| Net operating income to assets | 1.6085% | 737 |
| Return on assets (ROA) | 1.6085% | 805 |
| Pretax return on assets | 1.6085% | 1,326 |
| Return on Equity (ROE) | 17.5533% | 522 |
| Retained earnings to average equity (ytd only) | 9.0443% | 1,045 |
| Net charge-offs to loans | 0.0183% | 6,418 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 126.9340% | 252 |
| Efficiency ratio | 71.8653% | 3,726 |
| Assets per employee ($millions) | 1.8268% | 7,571 |
| Cash dividends to net income (ytd only)* | 48.4739% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7448% | 3,011 |
| Loan loss allowance to noncurrent loans | 915.7143% | 400 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 5,085 |
| Noncurrent loans to loans | 0.1905% | 6,803 |
| Net loans and leases to total assets | 73.1849% | 1,979 |
| Net loans and leases to deposits | 81.3710% | 3,205 |
| Net loans and leases to core deposits | 82.9702% | 4,092 |
| Total domestic deposits to total assets | 89.9398% | 913 |
| Equity capital to assets | 9.5250% | 4,801 |
| Core capital (leverage) ratio | 9.2727% | 4,247 |
| Tier 1 risk-based capital ratio | 12.3030% | 5,181 |
| Total risk-based capital ratio | 13.5584% | 5,148 |
| Memoranda: | ||
| Average total assets | $48,906,500 | 6,660 |
| Average earning assets | $43,941,750 | 6,661 |
| Average equity | $4,481,500 | 6,913 |
| Average total loans | $36,449,250 | 6,180 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2813% | 111 |
| Cost of funding earning assets | 1.5896% | 2,715 |
| Net interest margin | 5.6916% | 135 |
| Noninterest income to average assets | 0.9761% | 1,446 |
| Noninterest expense to average assets | 4.3841% | 658 |
| Loan and lease loss provision to assets | 0.1230% | 5,663 |
| Net operating income to assets | 1.5789% | 764 |
| Return on assets (ROA) | 1.5789% | 819 |
| Pretax return on assets | 1.5789% | 1,360 |
| Return on Equity (ROE) | 17.4630% | 520 |
| Retained earnings to average equity (ytd only) | 8.6181% | 1,222 |
| Net charge-offs to loans | -0.0110% | 7,206 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0350% | 3,809 |
| Assets per employee ($millions) | 1.8241% | 7,645 |
| Cash dividends to net income (ytd only)* | 50.6494% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,093 |
| Loan loss allowance to noncurrent loans | 1,918.1818% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 5,342 |
| Noncurrent loans to loans | 0.0885% | 7,088 |
| Net loans and leases to total assets | 74.3990% | 1,826 |
| Net loans and leases to deposits | 82.3864% | 3,202 |
| Net loans and leases to core deposits | 83.2379% | 4,245 |
| Total domestic deposits to total assets | 90.3050% | 764 |
| Equity capital to assets | 9.2504% | 5,078 |
| Core capital (leverage) ratio | 9.0515% | 4,522 |
| Tier 1 risk-based capital ratio | 11.9010% | 5,403 |
| Total risk-based capital ratio | 13.1571% | 5,371 |
| Memoranda: | ||
| Average total assets | $48,767,670 | 6,707 |
| Average earning assets | $43,783,670 | 6,708 |
| Average equity | $4,409,330 | 6,976 |
| Average total loans | $36,353,000 | 6,229 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1406% | 135 |
| Cost of funding earning assets | 1.6387% | 2,718 |
| Net interest margin | 5.5019% | 179 |
| Noninterest income to average assets | 0.8161% | 1,942 |
| Noninterest expense to average assets | 4.4513% | 611 |
| Loan and lease loss provision to assets | 0.1236% | 5,340 |
| Net operating income to assets | 1.1952% | 1,551 |
| Return on assets (ROA) | 1.1952% | 1,625 |
| Pretax return on assets | 1.1952% | 2,376 |
| Return on Equity (ROE) | 13.3764% | 1,175 |
| Retained earnings to average equity (ytd only) | 3.7823% | 3,874 |
| Net charge-offs to loans | 0.0334% | 5,114 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 544 |
| Efficiency ratio | 77.1429% | 3,040 |
| Assets per employee ($millions) | 1.6846% | 7,789 |
| Cash dividends to net income (ytd only)* | 71.7241% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 3,145 |
| Loan loss allowance to noncurrent loans | 1,135.1852% | 301 |
| Noncurrent assets plus other real estate owned to assets | 1.1565% | 4,856 |
| Noncurrent loans to loans | 0.1478% | 7,039 |
| Net loans and leases to total assets | 73.5554% | 2,067 |
| Net loans and leases to deposits | 81.1023% | 3,443 |
| Net loans and leases to core deposits | 81.9438% | 4,495 |
| Total domestic deposits to total assets | 90.6945% | 657 |
| Equity capital to assets | 8.9575% | 5,341 |
| Core capital (leverage) ratio | 8.8861% | 4,748 |
| Tier 1 risk-based capital ratio | 11.3707% | 5,795 |
| Total risk-based capital ratio | 12.6258% | 5,762 |
| Memoranda: | ||
| Average total assets | $48,525,500 | 6,785 |
| Average earning assets | $43,694,000 | 6,790 |
| Average equity | $4,336,000 | 7,057 |
| Average total loans | $35,891,500 | 6,321 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8801% | 90 |
| Cost of funding earning assets | 2.0312% | 2,814 |
| Net interest margin | 5.8488% | 128 |
| Noninterest income to average assets | 1.0230% | 1,494 |
| Noninterest expense to average assets | 4.7838% | 615 |
| Loan and lease loss provision to assets | 0.1532% | 6,139 |
| Net operating income to assets | 1.3588% | 921 |
| Return on assets (ROA) | 1.3610% | 968 |
| Pretax return on assets | 1.3633% | 1,522 |
| Return on Equity (ROE) | 14.2144% | 750 |
| Retained earnings to average equity (ytd only) | 2.8947% | 3,150 |
| Net charge-offs to loans | 0.1747% | 5,555 |
| Credit loss provision to net charge-offs | 113.3333% | 4,836 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,613 |
| Efficiency ratio | 75.9571% | 3,539 |
| Assets per employee ($millions) | 1.6620% | 7,860 |
| Cash dividends to net income (ytd only)* | 79.6358% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 2,881 |
| Loan loss allowance to noncurrent loans | 84.8870% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.4689% | 4,191 |
| Noncurrent loans to loans | 2.0093% | 3,637 |
| Net loans and leases to total assets | 71.8598% | 2,784 |
| Net loans and leases to deposits | 79.2273% | 4,131 |
| Net loans and leases to core deposits | 101.5272% | 3,844 |
| Total domestic deposits to total assets | 90.7009% | 661 |
| Equity capital to assets | 8.9132% | 5,262 |
| Core capital (leverage) ratio | 8.8883% | 4,611 |
| Tier 1 risk-based capital ratio | 11.7135% | 5,184 |
| Total risk-based capital ratio | 12.9692% | 5,140 |
| Memoranda: | ||
| Average total assets | $44,378,800 | 6,933 |
| Average earning assets | $40,025,000 | 6,939 |
| Average equity | $4,249,200 | 7,194 |
| Average total loans | $34,353,800 | 6,378 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9888% | 81 |
| Cost of funding earning assets | 2.0892% | 2,936 |
| Net interest margin | 5.8996% | 122 |
| Noninterest income to average assets | 1.0532% | 1,436 |
| Noninterest expense to average assets | 4.8973% | 526 |
| Loan and lease loss provision to assets | 0.0368% | 6,991 |
| Net operating income to assets | 1.4308% | 964 |
| Return on assets (ROA) | 1.4339% | 1,021 |
| Pretax return on assets | 1.4369% | 1,601 |
| Return on Equity (ROE) | 14.6938% | 813 |
| Retained earnings to average equity (ytd only) | 5.6951% | 2,103 |
| Net charge-offs to loans | -0.0391% | 7,835 |
| Credit loss provision to net charge-offs | -120.0000% | 7,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9045% | 3,338 |
| Assets per employee ($millions) | 1.6151% | 7,962 |
| Cash dividends to net income (ytd only)* | 61.2415% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,442 |
| Loan loss allowance to noncurrent loans | 328.8770% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 6,458 |
| Noncurrent loans to loans | 0.5323% | 6,243 |
| Net loans and leases to total assets | 73.6896% | 2,625 |
| Net loans and leases to deposits | 81.8721% | 4,051 |
| Net loans and leases to core deposits | 104.9760% | 3,825 |
| Total domestic deposits to total assets | 90.0058% | 763 |
| Equity capital to assets | 9.3153% | 5,013 |
| Core capital (leverage) ratio | 9.3399% | 4,126 |
| Tier 1 risk-based capital ratio | 12.0664% | 4,912 |
| Total risk-based capital ratio | 13.3233% | 4,844 |
| Memoranda: | ||
| Average total assets | $43,424,000 | 7,018 |
| Average earning assets | $39,120,500 | 7,030 |
| Average equity | $4,237,500 | 7,266 |
| Average total loans | $34,133,250 | 6,441 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1672% | 81 |
| Cost of funding earning assets | 2.1776% | 2,901 |
| Net interest margin | 5.9896% | 112 |
| Noninterest income to average assets | 1.0973% | 1,321 |
| Noninterest expense to average assets | 4.8952% | 554 |
| Loan and lease loss provision to assets | 0.0568% | 6,653 |
| Net operating income to assets | 1.5088% | 818 |
| Return on assets (ROA) | 1.5135% | 868 |
| Pretax return on assets | 1.5230% | 1,384 |
| Return on Equity (ROE) | 15.2538% | 788 |
| Retained earnings to average equity (ytd only) | 5.9585% | 2,042 |
| Net charge-offs to loans | -0.1953% | 8,025 |
| Credit loss provision to net charge-offs | -36.3636% | 6,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6579% | 3,751 |
| Assets per employee ($millions) | 1.5466% | 8,064 |
| Cash dividends to net income (ytd only)* | 60.9375% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 1,846 |
| Loan loss allowance to noncurrent loans | 210.5611% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 5,720 |
| Noncurrent loans to loans | 0.8925% | 5,430 |
| Net loans and leases to total assets | 74.2742% | 2,629 |
| Net loans and leases to deposits | 82.6170% | 4,115 |
| Net loans and leases to core deposits | 103.5274% | 4,116 |
| Total domestic deposits to total assets | 89.9019% | 866 |
| Equity capital to assets | 9.5072% | 4,603 |
| Core capital (leverage) ratio | 9.8356% | 3,471 |
| Tier 1 risk-based capital ratio | 12.5022% | 4,517 |
| Total risk-based capital ratio | 13.7597% | 4,436 |
| Memoranda: | ||
| Average total assets | $42,286,330 | 7,123 |
| Average earning assets | $37,932,330 | 7,130 |
| Average equity | $4,195,670 | 7,342 |
| Average total loans | $33,801,330 | 6,512 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5690% | 63 |
| Cost of funding earning assets | 2.2821% | 2,782 |
| Net interest margin | 6.2869% | 87 |
| Noninterest income to average assets | 0.9170% | 1,785 |
| Noninterest expense to average assets | 5.1116% | 448 |
| Loan and lease loss provision to assets | 0.1171% | 5,472 |
| Net operating income to assets | 1.2584% | 1,484 |
| Return on assets (ROA) | 1.2584% | 1,584 |
| Pretax return on assets | 1.2779% | 2,352 |
| Return on Equity (ROE) | 12.3994% | 1,541 |
| Retained earnings to average equity (ytd only) | 2.4030% | 4,544 |
| Net charge-offs to loans | -0.2728% | 8,051 |
| Credit loss provision to net charge-offs | -52.1739% | 6,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5607% | 3,071 |
| Assets per employee ($millions) | 1.4589% | 8,122 |
| Cash dividends to net income (ytd only)* | 80.6202% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 1,733 |
| Loan loss allowance to noncurrent loans | 196.8652% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 5,272 |
| Noncurrent loans to loans | 0.9413% | 5,115 |
| Net loans and leases to total assets | 78.6145% | 1,664 |
| Net loans and leases to deposits | 87.7414% | 3,332 |
| Net loans and leases to core deposits | 110.7334% | 3,340 |
| Total domestic deposits to total assets | 89.5980% | 972 |
| Equity capital to assets | 9.8584% | 4,172 |
| Core capital (leverage) ratio | 10.0453% | 3,358 |
| Tier 1 risk-based capital ratio | 12.3862% | 4,628 |
| Total risk-based capital ratio | 13.6442% | 4,544 |
| Memoranda: | ||
| Average total assets | $41,004,500 | 7,202 |
| Average earning assets | $36,457,000 | 7,250 |
| Average equity | $4,161,500 | 7,394 |
| Average total loans | $33,727,000 | 6,552 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9553% | 70 |
| Cost of funding earning assets | 2.8126% | 2,653 |
| Net interest margin | 6.1427% | 96 |
| Noninterest income to average assets | 1.1382% | 1,198 |
| Noninterest expense to average assets | 4.6072% | 812 |
| Loan and lease loss provision to assets | 0.0914% | 6,231 |
| Net operating income to assets | 1.9826% | 369 |
| Return on assets (ROA) | 1.9851% | 347 |
| Pretax return on assets | 1.9802% | 636 |
| Return on Equity (ROE) | 19.6251% | 405 |
| Retained earnings to average equity (ytd only) | 7.5669% | 965 |
| Net charge-offs to loans | 0.0930% | 5,402 |
| Credit loss provision to net charge-offs | 119.3548% | 4,509 |
| Earnings coverage of net charge-offs (x) | 27.0323% | 1,257 |
| Efficiency ratio | 69.0089% | 4,532 |
| Assets per employee ($millions) | 1.5880% | 8,138 |
| Cash dividends to net income (ytd only)* | 61.4428% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 1,718 |
| Loan loss allowance to noncurrent loans | 188.2540% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7935% | 4,870 |
| Noncurrent loans to loans | 0.9385% | 4,735 |
| Net loans and leases to total assets | 83.0529% | 1,036 |
| Net loans and leases to deposits | 93.5323% | 2,849 |
| Net loans and leases to core deposits | 116.4759% | 3,069 |
| Total domestic deposits to total assets | 88.7960% | 1,113 |
| Equity capital to assets | 10.4584% | 3,548 |
| Core capital (leverage) ratio | 10.1670% | 3,304 |
| Tier 1 risk-based capital ratio | 11.6162% | 5,143 |
| Total risk-based capital ratio | 12.8704% | 5,027 |
| Memoranda: | ||
| Average total assets | $40,501,800 | 7,190 |
| Average earning assets | $36,514,600 | 7,212 |
| Average equity | $4,096,800 | 7,476 |
| Average total loans | $33,329,600 | 6,521 |