Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 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 | 2.2133% | 6,303 |
| Cost of funding earning assets | 0.2415% | 5,113 |
| Net interest margin | 1.9717% | 6,279 |
| Noninterest income to average assets | 0.2522% | 5,157 |
| Noninterest expense to average assets | 1.7703% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4220% | 4,985 |
| Return on assets (ROA) | 0.4220% | 5,107 |
| Pretax return on assets | 0.4220% | 5,385 |
| Return on Equity (ROE) | 4.9073% | 4,579 |
| Retained earnings to average equity (ytd only) | 2.0870% | 4,629 |
| 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 | 80.7522% | 1,792 |
| Assets per employee ($millions) | 3.9305% | 4,102 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 4,534 |
| Loan loss allowance to noncurrent loans | 29.3750% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 2,177 |
| Noncurrent loans to loans | 3.7377% | 486 |
| Net loans and leases to total assets | 30.7754% | 6,046 |
| Net loans and leases to deposits | 33.6977% | 6,128 |
| Net loans and leases to core deposits | 33.8103% | 6,146 |
| Total domestic deposits to total assets | 91.3278% | 272 |
| Equity capital to assets | 8.6140% | 5,649 |
| Core capital (leverage) ratio | 7.9014% | 5,989 |
| Tier 1 risk-based capital ratio | 25.6664% | 820 |
| Total risk-based capital ratio | 26.7703% | 814 |
| Memoranda: | ||
| Average total assets | $82,473,500 | 4,976 |
| Average earning assets | $81,146,500 | 4,842 |
| Average equity | $7,091,500 | 5,386 |
| Average total loans | $26,797,500 | 5,648 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3714% | 6,361 |
| Cost of funding earning assets | 0.2597% | 5,225 |
| Net interest margin | 2.1117% | 6,337 |
| Noninterest income to average assets | 0.2910% | 5,036 |
| Noninterest expense to average assets | 1.8628% | 5,985 |
| Loan and lease loss provision to assets | 0.0024% | 4,555 |
| Net operating income to assets | 0.4991% | 4,815 |
| Return on assets (ROA) | 0.4991% | 4,906 |
| Pretax return on assets | 0.4991% | 5,257 |
| Return on Equity (ROE) | 5.9044% | 4,193 |
| Retained earnings to average equity (ytd only) | -0.4980% | 5,851 |
| Net charge-offs to loans | 0.0070% | 4,784 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 208.5000% | 255 |
| Efficiency ratio | 78.7894% | 2,091 |
| Assets per employee ($millions) | 3.7458% | 4,454 |
| Cash dividends to net income (ytd only)* | 108.4337% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 4,988 |
| Loan loss allowance to noncurrent loans | 29.3444% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 2,301 |
| Noncurrent loans to loans | 3.4431% | 606 |
| Net loans and leases to total assets | 33.5275% | 6,060 |
| Net loans and leases to deposits | 36.6987% | 6,148 |
| Net loans and leases to core deposits | 36.8215% | 6,186 |
| Total domestic deposits to total assets | 91.3587% | 257 |
| Equity capital to assets | 8.5830% | 5,656 |
| Core capital (leverage) ratio | 8.5399% | 5,515 |
| Tier 1 risk-based capital ratio | 20.9962% | 1,406 |
| Total risk-based capital ratio | 21.8333% | 1,465 |
| Memoranda: | ||
| Average total assets | $83,152,400 | 4,983 |
| Average earning assets | $81,640,200 | 4,864 |
| Average equity | $7,028,600 | 5,404 |
| Average total loans | $28,403,400 | 5,633 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3809% | 6,441 |
| Cost of funding earning assets | 0.2591% | 5,316 |
| Net interest margin | 2.1218% | 6,417 |
| Noninterest income to average assets | 0.2880% | 5,141 |
| Noninterest expense to average assets | 1.8334% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5376% | 4,722 |
| Return on assets (ROA) | 0.5376% | 4,792 |
| Pretax return on assets | 0.5376% | 5,213 |
| Return on Equity (ROE) | 6.3839% | 4,037 |
| Retained earnings to average equity (ytd only) | -2.1660% | 6,088 |
| Net charge-offs to loans | 0.0094% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 167.7865% | 373 |
| Efficiency ratio | 77.3279% | 2,298 |
| Assets per employee ($millions) | 3.6879% | 4,509 |
| Cash dividends to net income (ytd only)* | 133.9293% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 5,390 |
| Loan loss allowance to noncurrent loans | 29.5047% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 1.2375% | 2,482 |
| Noncurrent loans to loans | 3.2463% | 775 |
| Net loans and leases to total assets | 35.6854% | 6,040 |
| Net loans and leases to deposits | 39.0871% | 6,150 |
| Net loans and leases to core deposits | 40.0889% | 6,177 |
| Total domestic deposits to total assets | 91.2971% | 281 |
| Equity capital to assets | 8.6203% | 5,703 |
| Core capital (leverage) ratio | 8.5105% | 5,648 |
| Tier 1 risk-based capital ratio | 19.8383% | 1,711 |
| Total risk-based capital ratio | 20.6325% | 1,780 |
| Memoranda: | ||
| Average total assets | $83,338,750 | 5,033 |
| Average earning assets | $81,814,500 | 4,909 |
| Average equity | $7,017,500 | 5,459 |
| Average total loans | $28,526,500 | 5,685 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3357% | 6,518 |
| Cost of funding earning assets | 0.2568% | 5,413 |
| Net interest margin | 2.0789% | 6,495 |
| Noninterest income to average assets | 0.2736% | 5,241 |
| Noninterest expense to average assets | 1.8317% | 6,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4829% | 4,878 |
| Return on assets (ROA) | 0.4829% | 4,947 |
| Pretax return on assets | 0.4829% | 5,322 |
| Return on Equity (ROE) | 5.7791% | 4,286 |
| Retained earnings to average equity (ytd only) | -3.6155% | 6,145 |
| Net charge-offs to loans | 0.0212% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 743 |
| Efficiency ratio | 79.1367% | 2,151 |
| Assets per employee ($millions) | 3.9734% | 3,898 |
| Cash dividends to net income (ytd only)* | 162.5616% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 5,455 |
| Loan loss allowance to noncurrent loans | 6,975.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 5,800 |
| Noncurrent loans to loans | 0.0140% | 6,041 |
| Net loans and leases to total assets | 33.9270% | 6,148 |
| Net loans and leases to deposits | 37.5058% | 6,243 |
| Net loans and leases to core deposits | 37.6309% | 6,288 |
| Total domestic deposits to total assets | 90.4579% | 604 |
| Equity capital to assets | 8.3664% | 5,901 |
| Core capital (leverage) ratio | 8.3166% | 5,830 |
| Tier 1 risk-based capital ratio | 19.7628% | 1,744 |
| Total risk-based capital ratio | 20.5526% | 1,813 |
| Memoranda: | ||
| Average total assets | $84,073,670 | 5,060 |
| Average earning assets | $82,545,000 | 4,921 |
| Average equity | $7,025,330 | 5,484 |
| Average total loans | $28,291,000 | 5,731 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2931% | 6,603 |
| Cost of funding earning assets | 0.2510% | 5,574 |
| Net interest margin | 2.0421% | 6,578 |
| Noninterest income to average assets | 0.2228% | 5,573 |
| Noninterest expense to average assets | 1.8533% | 6,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3745% | 5,208 |
| Return on assets (ROA) | 0.3745% | 5,279 |
| Pretax return on assets | 0.3745% | 5,528 |
| Return on Equity (ROE) | 4.4839% | 4,798 |
| Retained earnings to average equity (ytd only) | -6.8677% | 6,234 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1915% | 1,768 |
| Assets per employee ($millions) | 3.7052% | 4,510 |
| Cash dividends to net income (ytd only)* | 253.1646% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 5,445 |
| Loan loss allowance to noncurrent loans | 1,044.4444% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 5,748 |
| Noncurrent loans to loans | 0.0976% | 5,832 |
| Net loans and leases to total assets | 32.1321% | 6,263 |
| Net loans and leases to deposits | 35.0310% | 6,348 |
| Net loans and leases to core deposits | 35.1438% | 6,381 |
| Total domestic deposits to total assets | 91.7249% | 322 |
| Equity capital to assets | 8.1988% | 5,907 |
| Core capital (leverage) ratio | 8.2376% | 5,902 |
| Tier 1 risk-based capital ratio | 20.1715% | 1,676 |
| Total risk-based capital ratio | 20.9856% | 1,754 |
| Memoranda: | ||
| Average total assets | $84,390,000 | 5,107 |
| Average earning assets | $82,856,500 | 4,944 |
| Average equity | $7,047,500 | 5,502 |
| Average total loans | $28,142,500 | 5,790 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4735% | 6,622 |
| Cost of funding earning assets | 0.3247% | 5,381 |
| Net interest margin | 2.1488% | 6,598 |
| Noninterest income to average assets | 0.3158% | 5,079 |
| Noninterest expense to average assets | 1.7798% | 6,354 |
| Loan and lease loss provision to assets | 0.0058% | 5,010 |
| Net operating income to assets | 0.5821% | 4,349 |
| Return on assets (ROA) | 0.5821% | 4,461 |
| Pretax return on assets | 0.5821% | 4,926 |
| Return on Equity (ROE) | 7.1735% | 3,471 |
| Retained earnings to average equity (ytd only) | -0.4972% | 5,975 |
| Net charge-offs to loans | 0.0412% | 4,646 |
| Credit loss provision to net charge-offs | 41.6667% | 4,006 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 895 |
| Efficiency ratio | 75.1704% | 2,919 |
| Assets per employee ($millions) | 3.6330% | 4,607 |
| Cash dividends to net income (ytd only)* | 106.9307% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 5,639 |
| Loan loss allowance to noncurrent loans | 5,640.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 5,606 |
| Noncurrent loans to loans | 0.0175% | 6,217 |
| Net loans and leases to total assets | 33.9134% | 6,304 |
| Net loans and leases to deposits | 37.0873% | 6,395 |
| Net loans and leases to core deposits | 37.2095% | 6,439 |
| Total domestic deposits to total assets | 91.4421% | 421 |
| Equity capital to assets | 8.5065% | 5,573 |
| Core capital (leverage) ratio | 8.2093% | 5,961 |
| Tier 1 risk-based capital ratio | 20.1360% | 1,623 |
| Total risk-based capital ratio | 20.9348% | 1,701 |
| Memoranda: | ||
| Average total assets | $86,750,400 | 5,059 |
| Average earning assets | $82,837,800 | 4,956 |
| Average equity | $7,039,800 | 5,558 |
| Average total loans | $29,117,400 | 5,805 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4722% | 6,702 |
| Cost of funding earning assets | 0.3387% | 5,395 |
| Net interest margin | 2.1335% | 6,683 |
| Noninterest income to average assets | 0.3076% | 5,241 |
| Noninterest expense to average assets | 1.7590% | 6,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5726% | 4,459 |
| Return on assets (ROA) | 0.5726% | 4,603 |
| Pretax return on assets | 0.5726% | 5,122 |
| Return on Equity (ROE) | 7.1385% | 3,568 |
| Retained earnings to average equity (ytd only) | -3.1136% | 6,364 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4409% | 2,822 |
| Assets per employee ($millions) | 3.6500% | 4,558 |
| Cash dividends to net income (ytd only)* | 143.6169% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 5,820 |
| Loan loss allowance to noncurrent loans | 191.3907% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 5,577 |
| Noncurrent loans to loans | 0.5099% | 4,916 |
| Net loans and leases to total assets | 33.4787% | 6,390 |
| Net loans and leases to deposits | 36.4143% | 6,494 |
| Net loans and leases to core deposits | 38.0687% | 6,499 |
| Total domestic deposits to total assets | 91.9383% | 252 |
| Equity capital to assets | 7.9670% | 6,168 |
| Core capital (leverage) ratio | 7.9792% | 6,237 |
| Tier 1 risk-based capital ratio | 18.9256% | 2,011 |
| Total risk-based capital ratio | 19.7093% | 2,128 |
| Memoranda: | ||
| Average total assets | $87,548,000 | 5,087 |
| Average earning assets | $83,054,500 | 4,994 |
| Average equity | $7,022,750 | 5,627 |
| Average total loans | $29,241,750 | 5,854 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4849% | 6,738 |
| Cost of funding earning assets | 0.3630% | 5,294 |
| Net interest margin | 2.1219% | 6,725 |
| Noninterest income to average assets | 0.2970% | 5,327 |
| Noninterest expense to average assets | 1.7845% | 6,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5027% | 4,783 |
| Return on assets (ROA) | 0.5027% | 4,953 |
| Pretax return on assets | 0.5027% | 5,366 |
| Return on Equity (ROE) | 6.2524% | 4,023 |
| Retained earnings to average equity (ytd only) | -5.1156% | 6,467 |
| Net charge-offs to loans | 0.0069% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 237 |
| Efficiency ratio | 78.0220% | 2,451 |
| Assets per employee ($millions) | 3.8189% | 4,173 |
| Cash dividends to net income (ytd only)* | 181.8182% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 5,753 |
| Loan loss allowance to noncurrent loans | 189.4737% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 5,613 |
| Noncurrent loans to loans | 0.5364% | 4,920 |
| Net loans and leases to total assets | 31.9330% | 6,511 |
| Net loans and leases to deposits | 35.2141% | 6,575 |
| Net loans and leases to core deposits | 35.6731% | 6,609 |
| Total domestic deposits to total assets | 90.6824% | 666 |
| Equity capital to assets | 7.9275% | 6,248 |
| Core capital (leverage) ratio | 7.8131% | 6,297 |
| Tier 1 risk-based capital ratio | 19.1929% | 1,939 |
| Total risk-based capital ratio | 19.9868% | 2,035 |
| Memoranda: | ||
| Average total assets | $87,531,000 | 5,119 |
| Average earning assets | $82,097,000 | 5,049 |
| Average equity | $7,037,330 | 5,673 |
| Average total loans | $29,117,000 | 5,886 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5365% | 6,802 |
| Cost of funding earning assets | 0.3937% | 5,171 |
| Net interest margin | 2.1428% | 6,791 |
| Noninterest income to average assets | 0.2884% | 5,393 |
| Noninterest expense to average assets | 1.7853% | 6,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4715% | 4,813 |
| Return on assets (ROA) | 0.4715% | 4,979 |
| Pretax return on assets | 0.4715% | 5,355 |
| Return on Equity (ROE) | 5.8237% | 4,136 |
| Retained earnings to average equity (ytd only) | -7.7461% | 6,509 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1075% | 2,457 |
| Assets per employee ($millions) | 3.8972% | 4,166 |
| Cash dividends to net income (ytd only)* | 233.0097% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 6,007 |
| Loan loss allowance to noncurrent loans | 136.3208% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 5,372 |
| Noncurrent loans to loans | 0.7287% | 4,673 |
| Net loans and leases to total assets | 32.1322% | 6,509 |
| Net loans and leases to deposits | 34.8899% | 6,606 |
| Net loans and leases to core deposits | 35.3273% | 6,640 |
| Total domestic deposits to total assets | 92.0958% | 233 |
| Equity capital to assets | 7.8161% | 6,462 |
| Core capital (leverage) ratio | 7.9982% | 6,147 |
| Tier 1 risk-based capital ratio | 19.4266% | 1,929 |
| Total risk-based capital ratio | 20.2279% | 2,024 |
| Memoranda: | ||
| Average total assets | $87,379,500 | 5,165 |
| Average earning assets | $80,267,000 | 5,144 |
| Average equity | $7,074,500 | 5,724 |
| Average total loans | $29,507,500 | 5,913 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9451% | 6,800 |
| Cost of funding earning assets | 0.5153% | 5,114 |
| Net interest margin | 2.4298% | 6,760 |
| Noninterest income to average assets | 0.3322% | 5,077 |
| Noninterest expense to average assets | 1.8986% | 6,494 |
| Loan and lease loss provision to assets | 0.0049% | 5,865 |
| Net operating income to assets | 0.7473% | 3,523 |
| Return on assets (ROA) | 0.7473% | 3,766 |
| Pretax return on assets | 0.7473% | 4,485 |
| Return on Equity (ROE) | 8.7109% | 2,783 |
| Retained earnings to average equity (ytd only) | 0.0567% | 5,805 |
| Net charge-offs to loans | 0.0417% | 5,335 |
| Credit loss provision to net charge-offs | 33.3333% | 5,054 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 669 |
| Efficiency ratio | 71.6253% | 3,495 |
| Assets per employee ($millions) | 3.7010% | 4,560 |
| Cash dividends to net income (ytd only)* | 99.3485% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 6,077 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 5,769 |
| Noncurrent loans to loans | 0.3409% | 5,630 |
| Net loans and leases to total assets | 34.8143% | 6,501 |
| Net loans and leases to deposits | 38.0287% | 6,635 |
| Net loans and leases to core deposits | 38.1855% | 6,663 |
| Total domestic deposits to total assets | 91.5475% | 327 |
| Equity capital to assets | 8.3914% | 6,128 |
| Core capital (leverage) ratio | 8.5005% | 5,609 |
| Tier 1 risk-based capital ratio | 19.6739% | 1,765 |
| Total risk-based capital ratio | 20.4699% | 1,867 |
| Memoranda: | ||
| Average total assets | $82,167,600 | 5,299 |
| Average earning assets | $78,401,400 | 5,175 |
| Average equity | $7,048,600 | 5,750 |
| Average total loans | $28,759,000 | 6,005 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9676% | 6,912 |
| Cost of funding earning assets | 0.5465% | 5,112 |
| Net interest margin | 2.4211% | 6,879 |
| Noninterest income to average assets | 0.3226% | 5,203 |
| Noninterest expense to average assets | 1.9338% | 6,468 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7172% | 3,840 |
| Return on assets (ROA) | 0.7172% | 4,084 |
| Pretax return on assets | 0.7172% | 4,801 |
| Return on Equity (ROE) | 8.3130% | 3,128 |
| Retained earnings to average equity (ytd only) | -3.2645% | 6,499 |
| Net charge-offs to loans | 0.0609% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 33.6982% | 998 |
| Efficiency ratio | 72.9463% | 3,152 |
| Assets per employee ($millions) | 3.5745% | 4,799 |
| Cash dividends to net income (ytd only)* | 139.2678% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 6,244 |
| Loan loss allowance to noncurrent loans | 258.1818% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 5,888 |
| Noncurrent loans to loans | 0.3682% | 5,744 |
| Net loans and leases to total assets | 35.9931% | 6,548 |
| Net loans and leases to deposits | 39.3722% | 6,702 |
| Net loans and leases to core deposits | 39.8055% | 6,745 |
| Total domestic deposits to total assets | 91.4174% | 303 |
| Equity capital to assets | 8.4743% | 6,288 |
| Core capital (leverage) ratio | 8.6214% | 5,594 |
| Tier 1 risk-based capital ratio | 19.3356% | 1,913 |
| Total risk-based capital ratio | 20.1238% | 2,017 |
| Memoranda: | ||
| Average total assets | $81,428,750 | 5,368 |
| Average earning assets | $78,309,500 | 5,235 |
| Average equity | $7,025,000 | 5,820 |
| Average total loans | $28,467,750 | 6,090 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9626% | 6,990 |
| Cost of funding earning assets | 0.5833% | 5,044 |
| Net interest margin | 2.3792% | 6,972 |
| Noninterest income to average assets | 0.3253% | 5,224 |
| Noninterest expense to average assets | 1.9072% | 6,580 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7195% | 3,760 |
| Return on assets (ROA) | 0.7195% | 4,031 |
| Pretax return on assets | 0.7195% | 4,772 |
| Return on Equity (ROE) | 8.2904% | 3,118 |
| Retained earnings to average equity (ytd only) | -5.0537% | 6,621 |
| Net charge-offs to loans | 0.0929% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 22.4615% | 1,298 |
| Efficiency ratio | 72.6079% | 3,320 |
| Assets per employee ($millions) | 3.3730% | 5,266 |
| Cash dividends to net income (ytd only)* | 160.9589% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 6,153 |
| Loan loss allowance to noncurrent loans | 322.7273% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 5,928 |
| Noncurrent loans to loans | 0.3103% | 5,934 |
| Net loans and leases to total assets | 34.6786% | 6,683 |
| Net loans and leases to deposits | 38.2393% | 6,795 |
| Net loans and leases to core deposits | 38.6686% | 6,849 |
| Total domestic deposits to total assets | 90.6883% | 567 |
| Equity capital to assets | 8.5989% | 6,122 |
| Core capital (leverage) ratio | 8.4518% | 5,708 |
| Tier 1 risk-based capital ratio | 19.8704% | 1,732 |
| Total risk-based capital ratio | 20.6811% | 1,834 |
| Memoranda: | ||
| Average total assets | $81,167,330 | 5,405 |
| Average earning assets | $78,513,000 | 5,256 |
| Average equity | $7,044,330 | 5,837 |
| Average total loans | $27,998,670 | 6,151 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 7,050 |
| Cost of funding earning assets | 0.6111% | 5,046 |
| Net interest margin | 2.3629% | 7,034 |
| Noninterest income to average assets | 0.2953% | 5,506 |
| Noninterest expense to average assets | 1.9194% | 6,611 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6595% | 4,082 |
| Return on assets (ROA) | 0.6595% | 4,291 |
| Pretax return on assets | 0.6595% | 4,911 |
| Return on Equity (ROE) | 7.5642% | 3,469 |
| Retained earnings to average equity (ytd only) | -5.9836% | 6,655 |
| Net charge-offs to loans | 0.2157% | 2,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.9333% | 1,898 |
| Efficiency ratio | 74.4275% | 3,028 |
| Assets per employee ($millions) | 3.4890% | 5,141 |
| Cash dividends to net income (ytd only)* | 179.1045% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,204 |
| Loan loss allowance to noncurrent loans | 303.2258% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 6,071 |
| Noncurrent loans to loans | 0.3332% | 6,003 |
| Net loans and leases to total assets | 32.9938% | 6,780 |
| Net loans and leases to deposits | 36.0651% | 6,888 |
| Net loans and leases to core deposits | 36.4514% | 6,927 |
| Total domestic deposits to total assets | 91.4841% | 381 |
| Equity capital to assets | 8.3989% | 6,178 |
| Core capital (leverage) ratio | 8.4355% | 5,696 |
| Tier 1 risk-based capital ratio | 20.0696% | 1,697 |
| Total risk-based capital ratio | 20.8744% | 1,775 |
| Memoranda: | ||
| Average total assets | $81,275,000 | 5,434 |
| Average earning assets | $78,546,500 | 5,283 |
| Average equity | $7,086,000 | 5,845 |
| Average total loans | $27,819,500 | 6,204 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4715% | 7,009 |
| Cost of funding earning assets | 0.7611% | 5,127 |
| Net interest margin | 2.7104% | 6,913 |
| Noninterest income to average assets | 0.3712% | 4,851 |
| Noninterest expense to average assets | 2.0280% | 6,626 |
| Loan and lease loss provision to assets | 0.0244% | 6,266 |
| Net operating income to assets | 0.8618% | 2,764 |
| Return on assets (ROA) | 0.8618% | 2,912 |
| Pretax return on assets | 0.8618% | 3,734 |
| Return on Equity (ROE) | 9.5272% | 2,239 |
| Retained earnings to average equity (ytd only) | 0.3692% | 5,664 |
| Net charge-offs to loans | 0.0516% | 5,801 |
| Credit loss provision to net charge-offs | 135.7143% | 2,209 |
| Earnings coverage of net charge-offs (x) | 49.2857% | 570 |
| Efficiency ratio | 69.5901% | 4,043 |
| Assets per employee ($millions) | 3.4267% | 5,186 |
| Cash dividends to net income (ytd only)* | 96.1252% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 5,922 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 6,004 |
| Noncurrent loans to loans | 0.4869% | 5,739 |
| Net loans and leases to total assets | 34.8064% | 6,828 |
| Net loans and leases to deposits | 38.9399% | 6,925 |
| Net loans and leases to core deposits | 39.3923% | 6,963 |
| Total domestic deposits to total assets | 89.3850% | 1,321 |
| Equity capital to assets | 9.0582% | 5,487 |
| Core capital (leverage) ratio | 8.9121% | 4,913 |
| Tier 1 risk-based capital ratio | 20.8256% | 1,452 |
| Total risk-based capital ratio | 21.6919% | 1,508 |
| Memoranda: | ||
| Average total assets | $77,859,000 | 5,508 |
| Average earning assets | $73,052,400 | 5,440 |
| Average equity | $7,043,000 | 5,853 |
| Average total loans | $27,122,200 | 6,289 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 7,058 |
| Cost of funding earning assets | 0.7977% | 5,166 |
| Net interest margin | 2.7542% | 6,941 |
| Noninterest income to average assets | 0.3813% | 4,799 |
| Noninterest expense to average assets | 2.0527% | 6,589 |
| Loan and lease loss provision to assets | 0.0326% | 6,031 |
| Net operating income to assets | 0.8520% | 2,931 |
| Return on assets (ROA) | 0.8520% | 3,088 |
| Pretax return on assets | 0.8520% | 3,942 |
| Return on Equity (ROE) | 9.4219% | 2,415 |
| Retained earnings to average equity (ytd only) | -2.8303% | 6,398 |
| Net charge-offs to loans | 0.0791% | 5,181 |
| Credit loss provision to net charge-offs | 118.7500% | 2,745 |
| Earnings coverage of net charge-offs (x) | 32.1917% | 889 |
| Efficiency ratio | 69.8830% | 3,976 |
| Assets per employee ($millions) | 3.1494% | 5,788 |
| Cash dividends to net income (ytd only)* | 130.0399% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 6,141 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 6,159 |
| Noncurrent loans to loans | 0.4104% | 6,022 |
| Net loans and leases to total assets | 36.1448% | 6,863 |
| Net loans and leases to deposits | 40.3668% | 6,965 |
| Net loans and leases to core deposits | 40.8336% | 7,015 |
| Total domestic deposits to total assets | 89.5410% | 1,121 |
| Equity capital to assets | 8.8447% | 5,930 |
| Core capital (leverage) ratio | 8.8427% | 5,191 |
| Tier 1 risk-based capital ratio | 20.8553% | 1,486 |
| Total risk-based capital ratio | 21.7387% | 1,539 |
| Memoranda: | ||
| Average total assets | $77,620,500 | 5,560 |
| Average earning assets | $72,034,000 | 5,515 |
| Average equity | $7,019,000 | 5,894 |
| Average total loans | $26,970,500 | 6,354 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4697% | 7,176 |
| Cost of funding earning assets | 0.7984% | 5,376 |
| Net interest margin | 2.6713% | 7,058 |
| Noninterest income to average assets | 0.3909% | 4,751 |
| Noninterest expense to average assets | 2.0635% | 6,671 |
| Loan and lease loss provision to assets | 0.0492% | 5,696 |
| Net operating income to assets | 0.8078% | 3,035 |
| Return on assets (ROA) | 0.8078% | 3,157 |
| Pretax return on assets | 0.8078% | 3,995 |
| Return on Equity (ROE) | 8.8670% | 2,568 |
| Retained earnings to average equity (ytd only) | -4.0640% | 6,476 |
| Net charge-offs to loans | 0.1517% | 4,276 |
| Credit loss provision to net charge-offs | 95.0000% | 3,308 |
| Earnings coverage of net charge-offs (x) | 16.5500% | 1,333 |
| Efficiency ratio | 70.6560% | 3,997 |
| Assets per employee ($millions) | 3.2368% | 5,556 |
| Cash dividends to net income (ytd only)* | 145.8333% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 6,043 |
| Loan loss allowance to noncurrent loans | 194.0000% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 6,107 |
| Noncurrent loans to loans | 0.5564% | 5,805 |
| Net loans and leases to total assets | 34.3297% | 7,037 |
| Net loans and leases to deposits | 37.7841% | 7,126 |
| Net loans and leases to core deposits | 38.2189% | 7,162 |
| Total domestic deposits to total assets | 90.8576% | 562 |
| Equity capital to assets | 8.9725% | 5,620 |
| Core capital (leverage) ratio | 8.8340% | 4,995 |
| Tier 1 risk-based capital ratio | 20.9574% | 1,428 |
| Total risk-based capital ratio | 21.8323% | 1,476 |
| Memoranda: | ||
| Average total assets | $77,248,670 | 5,613 |
| Average earning assets | $73,147,670 | 5,519 |
| Average equity | $7,037,330 | 5,913 |
| Average total loans | $26,376,000 | 6,463 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4676% | 7,226 |
| Cost of funding earning assets | 0.8267% | 5,417 |
| Net interest margin | 2.6409% | 7,088 |
| Noninterest income to average assets | 0.4518% | 4,266 |
| Noninterest expense to average assets | 2.1186% | 6,591 |
| Loan and lease loss provision to assets | 0.0987% | 4,773 |
| Net operating income to assets | 0.7062% | 3,495 |
| Return on assets (ROA) | 0.7062% | 3,563 |
| Pretax return on assets | 0.7062% | 4,285 |
| Return on Equity (ROE) | 7.6934% | 3,046 |
| Retained earnings to average equity (ytd only) | -4.7518% | 6,499 |
| Net charge-offs to loans | 0.2760% | 2,964 |
| Credit loss provision to net charge-offs | 105.5556% | 2,522 |
| Earnings coverage of net charge-offs (x) | 8.6111% | 1,809 |
| Efficiency ratio | 72.4689% | 3,774 |
| Assets per employee ($millions) | 3.4698% | 5,068 |
| Cash dividends to net income (ytd only)* | 161.7647% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,886 |
| Loan loss allowance to noncurrent loans | 148.7310% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 6,056 |
| Noncurrent loans to loans | 0.7663% | 5,495 |
| Net loans and leases to total assets | 31.8476% | 7,174 |
| Net loans and leases to deposits | 34.9789% | 7,249 |
| Net loans and leases to core deposits | 35.4913% | 7,278 |
| Total domestic deposits to total assets | 91.0482% | 603 |
| Equity capital to assets | 8.8077% | 5,479 |
| Core capital (leverage) ratio | 8.8984% | 4,776 |
| Tier 1 risk-based capital ratio | 21.7179% | 1,278 |
| Total risk-based capital ratio | 22.6232% | 1,305 |
| Memoranda: | ||
| Average total assets | $77,032,000 | 5,666 |
| Average earning assets | $72,097,000 | 5,599 |
| Average equity | $7,071,000 | 5,908 |
| Average total loans | $26,084,500 | 6,519 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 7,150 |
| Cost of funding earning assets | 1.0791% | 5,264 |
| Net interest margin | 2.9032% | 6,887 |
| Noninterest income to average assets | 0.4064% | 4,859 |
| Noninterest expense to average assets | 2.1939% | 6,629 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9918% | 2,066 |
| Return on assets (ROA) | 0.9918% | 2,172 |
| Pretax return on assets | 0.9918% | 2,955 |
| Return on Equity (ROE) | 9.9083% | 1,964 |
| Retained earnings to average equity (ytd only) | -0.3833% | 5,686 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8671% | 4,392 |
| Assets per employee ($millions) | 3.0941% | 5,893 |
| Cash dividends to net income (ytd only)* | 103.8682% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,942 |
| Loan loss allowance to noncurrent loans | 112.3077% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 6,025 |
| Noncurrent loans to loans | 0.9826% | 5,091 |
| Net loans and leases to total assets | 35.2388% | 7,192 |
| Net loans and leases to deposits | 39.0270% | 7,284 |
| Net loans and leases to core deposits | 39.6455% | 7,312 |
| Total domestic deposits to total assets | 90.2934% | 938 |
| Equity capital to assets | 9.5786% | 4,302 |
| Core capital (leverage) ratio | 9.4735% | 3,736 |
| Tier 1 risk-based capital ratio | 22.3405% | 1,131 |
| Total risk-based capital ratio | 23.2576% | 1,144 |
| Memoranda: | ||
| Average total assets | $70,377,400 | 5,874 |
| Average earning assets | $67,373,400 | 5,760 |
| Average equity | $7,044,600 | 6,018 |
| Average total loans | $28,655,000 | 6,463 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 7,217 |
| Cost of funding earning assets | 1.1230% | 5,300 |
| Net interest margin | 2.9574% | 6,917 |
| Noninterest income to average assets | 0.4092% | 4,888 |
| Noninterest expense to average assets | 2.2168% | 6,563 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0354% | 2,121 |
| Return on assets (ROA) | 1.0354% | 2,225 |
| Pretax return on assets | 1.0354% | 3,050 |
| Return on Equity (ROE) | 10.2263% | 2,039 |
| Retained earnings to average equity (ytd only) | -3.5289% | 6,411 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1630% | 4,438 |
| Assets per employee ($millions) | 3.1687% | 5,752 |
| Cash dividends to net income (ytd only)* | 134.5078% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 6,341 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 6,036 |
| Noncurrent loans to loans | 1.0122% | 5,213 |
| Net loans and leases to total assets | 39.1831% | 7,122 |
| Net loans and leases to deposits | 43.3951% | 7,256 |
| Net loans and leases to core deposits | 44.0933% | 7,319 |
| Total domestic deposits to total assets | 90.2938% | 733 |
| Equity capital to assets | 9.5416% | 4,777 |
| Core capital (leverage) ratio | 9.8316% | 3,451 |
| Tier 1 risk-based capital ratio | 20.4867% | 1,451 |
| Total risk-based capital ratio | 21.3469% | 1,494 |
| Memoranda: | ||
| Average total assets | $69,407,000 | 5,957 |
| Average earning assets | $66,723,000 | 5,843 |
| Average equity | $7,027,500 | 6,100 |
| Average total loans | $29,203,750 | 6,523 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 7,218 |
| Cost of funding earning assets | 1.1627% | 5,331 |
| Net interest margin | 2.9967% | 6,829 |
| Noninterest income to average assets | 0.3985% | 4,928 |
| Noninterest expense to average assets | 2.2359% | 6,553 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0403% | 2,046 |
| Return on assets (ROA) | 1.0403% | 2,127 |
| Pretax return on assets | 1.0403% | 2,977 |
| Return on Equity (ROE) | 10.0681% | 2,087 |
| Retained earnings to average equity (ytd only) | -5.1049% | 6,566 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2469% | 4,533 |
| Assets per employee ($millions) | 2.8808% | 6,396 |
| Cash dividends to net income (ytd only)* | 150.7042% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,473 |
| Loan loss allowance to noncurrent loans | 122.6891% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 6,149 |
| Noncurrent loans to loans | 0.8009% | 5,673 |
| Net loans and leases to total assets | 42.5563% | 7,004 |
| Net loans and leases to deposits | 47.4243% | 7,191 |
| Net loans and leases to core deposits | 48.0336% | 7,282 |
| Total domestic deposits to total assets | 89.7352% | 1,056 |
| Equity capital to assets | 10.0667% | 3,930 |
| Core capital (leverage) ratio | 9.9041% | 3,276 |
| Tier 1 risk-based capital ratio | 20.4790% | 1,438 |
| Total risk-based capital ratio | 21.3382% | 1,473 |
| Memoranda: | ||
| Average total assets | $68,249,000 | 6,027 |
| Average earning assets | $65,538,000 | 5,908 |
| Average equity | $7,052,000 | 6,120 |
| Average total loans | $29,322,000 | 6,561 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 7,349 |
| Cost of funding earning assets | 1.2010% | 5,400 |
| Net interest margin | 2.9256% | 6,976 |
| Noninterest income to average assets | 0.3835% | 5,064 |
| Noninterest expense to average assets | 2.2064% | 6,673 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9793% | 2,262 |
| Return on assets (ROA) | 0.9793% | 2,321 |
| Pretax return on assets | 0.9793% | 3,166 |
| Return on Equity (ROE) | 9.3547% | 2,355 |
| Retained earnings to average equity (ytd only) | -4.7337% | 6,567 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2593% | 4,457 |
| Assets per employee ($millions) | 3.0553% | 6,093 |
| Cash dividends to net income (ytd only)* | 150.6024% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 6,428 |
| Loan loss allowance to noncurrent loans | 179.1411% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 6,269 |
| Noncurrent loans to loans | 0.5620% | 6,174 |
| Net loans and leases to total assets | 40.8547% | 7,196 |
| Net loans and leases to deposits | 45.5063% | 7,345 |
| Net loans and leases to core deposits | 45.8581% | 7,436 |
| Total domestic deposits to total assets | 89.7781% | 1,096 |
| Equity capital to assets | 10.0411% | 3,813 |
| Core capital (leverage) ratio | 10.1230% | 3,017 |
| Tier 1 risk-based capital ratio | 20.9110% | 1,353 |
| Total risk-based capital ratio | 21.7764% | 1,392 |
| Memoranda: | ||
| Average total assets | $67,804,000 | 6,114 |
| Average earning assets | $64,944,000 | 6,000 |
| Average equity | $7,098,000 | 6,164 |
| Average total loans | $29,125,500 | 6,652 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 6,986 |
| Cost of funding earning assets | 1.2554% | 6,457 |
| Net interest margin | 3.5263% | 4,834 |
| Noninterest income to average assets | 0.5011% | 4,400 |
| Noninterest expense to average assets | 2.5819% | 5,855 |
| Loan and lease loss provision to assets | 0.0433% | 7,123 |
| Net operating income to assets | 1.2285% | 1,179 |
| Return on assets (ROA) | 1.2285% | 1,232 |
| Pretax return on assets | 1.2285% | 1,871 |
| Return on Equity (ROE) | 10.5077% | 1,550 |
| Retained earnings to average equity (ytd only) | 1.9649% | 3,728 |
| Net charge-offs to loans | 0.0677% | 6,436 |
| Credit loss provision to net charge-offs | 130.0000% | 3,929 |
| Earnings coverage of net charge-offs (x) | 38.2000% | 621 |
| Efficiency ratio | 66.9978% | 5,187 |
| Assets per employee ($millions) | 2.6135% | 7,019 |
| Cash dividends to net income (ytd only)* | 81.3008% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 6,397 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 6,167 |
| Noncurrent loans to loans | 0.4991% | 6,253 |
| Net loans and leases to total assets | 44.3210% | 7,100 |
| Net loans and leases to deposits | 49.8502% | 7,270 |
| Net loans and leases to core deposits | 53.6051% | 7,483 |
| Total domestic deposits to total assets | 88.9083% | 1,520 |
| Equity capital to assets | 10.9280% | 2,755 |
| Core capital (leverage) ratio | 11.3407% | 2,010 |
| Tier 1 risk-based capital ratio | 21.6942% | 1,188 |
| Total risk-based capital ratio | 22.5814% | 1,214 |
| Memoranda: | ||
| Average total assets | $60,072,800 | 6,348 |
| Average earning assets | $57,113,600 | 6,243 |
| Average equity | $7,023,400 | 6,260 |
| Average total loans | $29,524,400 | 6,655 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 7,002 |
| Cost of funding earning assets | 1.2791% | 6,623 |
| Net interest margin | 3.5749% | 4,572 |
| Noninterest income to average assets | 0.5151% | 4,366 |
| Noninterest expense to average assets | 2.6028% | 5,705 |
| Loan and lease loss provision to assets | 0.0590% | 6,773 |
| Net operating income to assets | 1.2526% | 1,337 |
| Return on assets (ROA) | 1.2526% | 1,403 |
| Pretax return on assets | 1.2526% | 2,103 |
| Return on Equity (ROE) | 10.5226% | 1,757 |
| Retained earnings to average equity (ytd only) | -0.7245% | 5,414 |
| Net charge-offs to loans | 0.0901% | 5,785 |
| Credit loss provision to net charge-offs | 130.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | 28.8958% | 956 |
| Efficiency ratio | 66.4928% | 5,289 |
| Assets per employee ($millions) | 2.5260% | 7,186 |
| Cash dividends to net income (ytd only)* | 106.8847% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 6,288 |
| Loan loss allowance to noncurrent loans | 133.9450% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 5,628 |
| Noncurrent loans to loans | 0.7470% | 5,816 |
| Net loans and leases to total assets | 47.6577% | 6,987 |
| Net loans and leases to deposits | 54.3778% | 7,185 |
| Net loans and leases to core deposits | 57.1836% | 7,499 |
| Total domestic deposits to total assets | 87.6419% | 1,829 |
| Equity capital to assets | 11.4872% | 2,596 |
| Core capital (leverage) ratio | 11.3910% | 2,130 |
| Tier 1 risk-based capital ratio | 18.4286% | 1,883 |
| Total risk-based capital ratio | 19.2014% | 1,951 |
| Memoranda: | ||
| Average total assets | $58,756,750 | 6,437 |
| Average earning assets | $55,869,750 | 6,340 |
| Average equity | $6,994,250 | 6,315 |
| Average total loans | $29,593,000 | 6,704 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 6,987 |
| Cost of funding earning assets | 1.2834% | 6,861 |
| Net interest margin | 3.6364% | 4,224 |
| Noninterest income to average assets | 0.5160% | 4,300 |
| Noninterest expense to average assets | 2.6387% | 5,592 |
| Loan and lease loss provision to assets | 0.0826% | 6,354 |
| Net operating income to assets | 1.2454% | 1,368 |
| Return on assets (ROA) | 1.2454% | 1,442 |
| Pretax return on assets | 1.2454% | 2,176 |
| Return on Equity (ROE) | 10.3365% | 1,906 |
| Retained earnings to average equity (ytd only) | -1.6561% | 5,662 |
| Net charge-offs to loans | 0.1076% | 5,083 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 24.1250% | 1,161 |
| Efficiency ratio | 66.5221% | 5,453 |
| Assets per employee ($millions) | 2.4925% | 7,270 |
| Cash dividends to net income (ytd only)* | 116.0221% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,216 |
| Loan loss allowance to noncurrent loans | 367.5000% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 5,792 |
| Noncurrent loans to loans | 0.2729% | 6,843 |
| Net loans and leases to total assets | 48.5047% | 6,994 |
| Net loans and leases to deposits | 55.0567% | 7,213 |
| Net loans and leases to core deposits | 57.9150% | 7,524 |
| Total domestic deposits to total assets | 88.0995% | 1,713 |
| Equity capital to assets | 11.6080% | 2,466 |
| Core capital (leverage) ratio | 11.8802% | 1,887 |
| Tier 1 risk-based capital ratio | 16.9057% | 2,331 |
| Total risk-based capital ratio | 17.6214% | 2,442 |
| Memoranda: | ||
| Average total assets | $58,134,330 | 6,509 |
| Average earning assets | $55,164,330 | 6,421 |
| Average equity | $7,004,330 | 6,368 |
| Average total loans | $29,729,330 | 6,751 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 6,801 |
| Cost of funding earning assets | 1.3062% | 6,995 |
| Net interest margin | 3.7414% | 3,702 |
| Noninterest income to average assets | 0.4538% | 4,734 |
| Noninterest expense to average assets | 2.5693% | 5,574 |
| Loan and lease loss provision to assets | 0.1327% | 5,263 |
| Net operating income to assets | 1.2917% | 1,399 |
| Return on assets (ROA) | 1.2917% | 1,493 |
| Pretax return on assets | 1.2917% | 2,312 |
| Return on Equity (ROE) | 10.5196% | 2,117 |
| Retained earnings to average equity (ytd only) | 3.6961% | 3,846 |
| Net charge-offs to loans | 0.2538% | 3,140 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 10.7368% | 1,927 |
| Efficiency ratio | 64.3357% | 5,624 |
| Assets per employee ($millions) | 2.6305% | 7,026 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,380 |
| Loan loss allowance to noncurrent loans | 291.8367% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 5,242 |
| Noncurrent loans to loans | 0.3318% | 6,599 |
| Net loans and leases to total assets | 50.5426% | 6,809 |
| Net loans and leases to deposits | 57.7222% | 7,052 |
| Net loans and leases to core deposits | 60.8416% | 7,423 |
| Total domestic deposits to total assets | 87.5618% | 1,944 |
| Equity capital to assets | 12.2119% | 2,129 |
| Core capital (leverage) ratio | 12.3039% | 1,758 |
| Tier 1 risk-based capital ratio | 22.0286% | 1,301 |
| Total risk-based capital ratio | 22.9201% | 1,311 |
| Memoranda: | ||
| Average total assets | $57,291,000 | 6,570 |
| Average earning assets | $54,205,000 | 6,488 |
| Average equity | $7,034,500 | 6,392 |
| Average total loans | $29,939,000 | 6,765 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3726% | 7,501 |
| Cost of funding earning assets | 1.7266% | 7,198 |
| Net interest margin | 3.6460% | 4,696 |
| Noninterest income to average assets | 0.5225% | 4,448 |
| Noninterest expense to average assets | 2.7824% | 4,898 |
| Loan and lease loss provision to assets | 0.1354% | 5,626 |
| Net operating income to assets | 1.0172% | 2,488 |
| Return on assets (ROA) | 1.0172% | 2,377 |
| Pretax return on assets | 1.0172% | 3,323 |
| Return on Equity (ROE) | 8.3860% | 2,898 |
| Retained earnings to average equity (ytd only) | -0.2003% | 5,341 |
| Net charge-offs to loans | 0.1942% | 4,245 |
| Credit loss provision to net charge-offs | 141.8182% | 3,736 |
| Earnings coverage of net charge-offs (x) | 12.0727% | 2,296 |
| Efficiency ratio | 70.7102% | 4,196 |
| Assets per employee ($millions) | 2.4657% | 7,268 |
| Cash dividends to net income (ytd only)* | 102.3891% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 6,434 |
| Loan loss allowance to noncurrent loans | 125.9912% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 4,265 |
| Noncurrent loans to loans | 0.7481% | 5,156 |
| Net loans and leases to total assets | 52.9994% | 6,750 |
| Net loans and leases to deposits | 60.6795% | 7,035 |
| Net loans and leases to core deposits | 63.8302% | 7,453 |
| Total domestic deposits to total assets | 87.3431% | 1,780 |
| Equity capital to assets | 12.3466% | 2,086 |
| Core capital (leverage) ratio | 12.2124% | 1,875 |
| Tier 1 risk-based capital ratio | 21.4924% | 1,393 |
| Total risk-based capital ratio | 22.3702% | 1,410 |
| Memoranda: | ||
| Average total assets | $57,611,800 | 6,465 |
| Average earning assets | $53,921,600 | 6,418 |
| Average equity | $6,987,800 | 6,457 |
| Average total loans | $28,325,000 | 6,816 |