Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 2,689 |
| Cost of funding earning assets | 0.5471% | 1,826 |
| Net interest margin | 3.6206% | 3,079 |
| Noninterest income to average assets | 0.3435% | 4,477 |
| Noninterest expense to average assets | 2.0661% | 5,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6676% | 668 |
| Return on assets (ROA) | 1.8177% | 524 |
| Pretax return on assets | 1.8573% | 787 |
| Return on Equity (ROE) | 16.6640% | 507 |
| Retained earnings to average equity (ytd only) | 16.6640% | 114 |
| Net charge-offs to loans | -0.0097% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8003% | 5,456 |
| Assets per employee ($millions) | 4.2358% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,997 |
| Loan loss allowance to noncurrent loans | 938.0000% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 3,164 |
| Noncurrent loans to loans | 0.1642% | 4,995 |
| Net loans and leases to total assets | 54.4510% | 4,519 |
| Net loans and leases to deposits | 91.3784% | 1,479 |
| Net loans and leases to core deposits | 94.9161% | 1,988 |
| Total domestic deposits to total assets | 59.5885% | 6,177 |
| Equity capital to assets | 10.8343% | 3,209 |
| Core capital (leverage) ratio | 10.9503% | 2,543 |
| Tier 1 risk-based capital ratio | 14.2174% | 3,718 |
| Total risk-based capital ratio | 15.3802% | 3,712 |
| Memoranda: | ||
| Average total assets | $50,465,000 | 5,601 |
| Average earning assets | $47,762,250 | 5,557 |
| Average equity | $5,504,750 | 5,611 |
| Average total loans | $27,569,500 | 5,521 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 2,901 |
| Cost of funding earning assets | 0.5689% | 1,654 |
| Net interest margin | 3.5300% | 3,379 |
| Noninterest income to average assets | 0.3679% | 4,308 |
| Noninterest expense to average assets | 2.0886% | 5,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5899% | 760 |
| Return on assets (ROA) | 1.7862% | 556 |
| Pretax return on assets | 1.8271% | 849 |
| Return on Equity (ROE) | 16.3334% | 570 |
| Retained earnings to average equity (ytd only) | 16.3334% | 145 |
| Net charge-offs to loans | -0.0075% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2156% | 5,408 |
| Assets per employee ($millions) | 3.9210% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 1,624 |
| Loan loss allowance to noncurrent loans | 936.0000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 3,135 |
| Noncurrent loans to loans | 0.1806% | 5,054 |
| Net loans and leases to total assets | 53.3910% | 4,628 |
| Net loans and leases to deposits | 86.9017% | 1,949 |
| Net loans and leases to core deposits | 90.4243% | 2,307 |
| Total domestic deposits to total assets | 61.4384% | 6,237 |
| Equity capital to assets | 10.8430% | 3,061 |
| Core capital (leverage) ratio | 11.2248% | 2,223 |
| Tier 1 risk-based capital ratio | 14.8749% | 3,428 |
| Total risk-based capital ratio | 16.1275% | 3,357 |
| Memoranda: | ||
| Average total assets | $48,931,330 | 5,699 |
| Average earning assets | $46,402,000 | 5,650 |
| Average equity | $5,351,000 | 5,688 |
| Average total loans | $26,608,330 | 5,605 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 3,226 |
| Cost of funding earning assets | 0.5792% | 1,584 |
| Net interest margin | 3.4223% | 3,745 |
| Noninterest income to average assets | 0.3924% | 4,063 |
| Noninterest expense to average assets | 2.1206% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4894% | 866 |
| Return on assets (ROA) | 1.6531% | 685 |
| Pretax return on assets | 1.6948% | 1,065 |
| Return on Equity (ROE) | 15.0485% | 701 |
| Retained earnings to average equity (ytd only) | 15.0485% | 279 |
| Net charge-offs to loans | -0.0460% | 5,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1236% | 5,321 |
| Assets per employee ($millions) | 3.8884% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 1,349 |
| Loan loss allowance to noncurrent loans | 264.9718% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 3,074 |
| Noncurrent loans to loans | 0.7048% | 3,513 |
| Net loans and leases to total assets | 52.8171% | 4,580 |
| Net loans and leases to deposits | 73.8338% | 3,332 |
| Net loans and leases to core deposits | 75.4500% | 3,646 |
| Total domestic deposits to total assets | 71.5351% | 6,058 |
| Equity capital to assets | 11.5900% | 2,384 |
| Core capital (leverage) ratio | 11.2363% | 2,204 |
| Tier 1 risk-based capital ratio | 15.0932% | 3,386 |
| Total risk-based capital ratio | 16.3445% | 3,299 |
| Memoranda: | ||
| Average total assets | $47,910,500 | 5,774 |
| Average earning assets | $45,584,000 | 5,722 |
| Average equity | $5,263,000 | 5,766 |
| Average total loans | $26,071,000 | 5,672 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 3,128 |
| Cost of funding earning assets | 0.6126% | 1,657 |
| Net interest margin | 3.5366% | 3,659 |
| Noninterest income to average assets | 0.4125% | 4,093 |
| Noninterest expense to average assets | 2.3947% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3372% | 1,216 |
| Return on assets (ROA) | 1.4253% | 1,058 |
| Pretax return on assets | 1.4665% | 1,668 |
| Return on Equity (ROE) | 13.4745% | 1,048 |
| Retained earnings to average equity (ytd only) | 1.7745% | 4,923 |
| Net charge-offs to loans | 0.2180% | 1,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.9107% | 2,437 |
| Efficiency ratio | 63.5120% | 4,671 |
| Assets per employee ($millions) | 3.7815% | 4,378 |
| Cash dividends to net income (ytd only)* | 86.8307% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 1,714 |
| Loan loss allowance to noncurrent loans | 279.0419% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 3,280 |
| Noncurrent loans to loans | 0.6179% | 3,831 |
| Net loans and leases to total assets | 54.0317% | 4,579 |
| Net loans and leases to deposits | 70.3853% | 3,853 |
| Net loans and leases to core deposits | 73.1272% | 4,014 |
| Total domestic deposits to total assets | 76.7657% | 5,636 |
| Equity capital to assets | 10.4109% | 3,601 |
| Core capital (leverage) ratio | 10.2749% | 3,201 |
| Tier 1 risk-based capital ratio | 13.7391% | 4,273 |
| Total risk-based capital ratio | 14.9882% | 4,208 |
| Memoranda: | ||
| Average total assets | $48,481,800 | 5,822 |
| Average earning assets | $46,033,400 | 5,774 |
| Average equity | $5,128,200 | 5,823 |
| Average total loans | $25,690,600 | 5,747 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 3,318 |
| Cost of funding earning assets | 0.6108% | 1,752 |
| Net interest margin | 3.5046% | 3,809 |
| Noninterest income to average assets | 0.3698% | 4,469 |
| Noninterest expense to average assets | 2.4010% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2589% | 1,502 |
| Return on assets (ROA) | 1.3633% | 1,254 |
| Pretax return on assets | 1.4020% | 2,000 |
| Return on Equity (ROE) | 12.8373% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.8373% | 337 |
| Net charge-offs to loans | -0.0158% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9739% | 4,377 |
| Assets per employee ($millions) | 3.7732% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 1,434 |
| Loan loss allowance to noncurrent loans | 617.6471% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 3,881 |
| Noncurrent loans to loans | 0.3090% | 4,984 |
| Net loans and leases to total assets | 55.0040% | 4,462 |
| Net loans and leases to deposits | 74.3415% | 3,395 |
| Net loans and leases to core deposits | 77.3509% | 3,603 |
| Total domestic deposits to total assets | 73.9883% | 6,016 |
| Equity capital to assets | 11.1394% | 2,831 |
| Core capital (leverage) ratio | 11.2308% | 2,286 |
| Tier 1 risk-based capital ratio | 14.6276% | 3,802 |
| Total risk-based capital ratio | 15.8806% | 3,744 |
| Memoranda: | ||
| Average total assets | $48,312,250 | 5,895 |
| Average earning assets | $45,843,250 | 5,843 |
| Average equity | $5,130,750 | 5,888 |
| Average total loans | $25,356,250 | 5,825 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 3,591 |
| Cost of funding earning assets | 0.6095% | 1,818 |
| Net interest margin | 3.4288% | 4,063 |
| Noninterest income to average assets | 0.3703% | 4,480 |
| Noninterest expense to average assets | 2.3343% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2577% | 1,424 |
| Return on assets (ROA) | 1.4272% | 1,042 |
| Pretax return on assets | 1.4647% | 1,656 |
| Return on Equity (ROE) | 13.6662% | 1,018 |
| Retained earnings to average equity (ytd only) | 13.6662% | 281 |
| Net charge-offs to loans | -0.0325% | 5,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4087% | 4,629 |
| Assets per employee ($millions) | 3.7642% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0166% | 1,332 |
| Loan loss allowance to noncurrent loans | 453.4483% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 4,460 |
| Noncurrent loans to loans | 0.4447% | 4,647 |
| Net loans and leases to total assets | 52.2295% | 4,723 |
| Net loans and leases to deposits | 69.9434% | 3,830 |
| Net loans and leases to core deposits | 72.7506% | 3,976 |
| Total domestic deposits to total assets | 74.6741% | 6,048 |
| Equity capital to assets | 10.8432% | 3,034 |
| Core capital (leverage) ratio | 11.1998% | 2,243 |
| Tier 1 risk-based capital ratio | 14.6263% | 3,852 |
| Total risk-based capital ratio | 15.8789% | 3,802 |
| Memoranda: | ||
| Average total assets | $48,066,000 | 5,947 |
| Average earning assets | $45,613,000 | 5,896 |
| Average equity | $5,019,670 | 5,952 |
| Average total loans | $24,640,000 | 5,901 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 3,565 |
| Cost of funding earning assets | 0.6112% | 1,890 |
| Net interest margin | 3.4191% | 4,030 |
| Noninterest income to average assets | 0.3695% | 4,431 |
| Noninterest expense to average assets | 2.3514% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2286% | 1,404 |
| Return on assets (ROA) | 1.3520% | 1,138 |
| Pretax return on assets | 1.3856% | 1,801 |
| Return on Equity (ROE) | 13.2062% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.2062% | 462 |
| Net charge-offs to loans | -0.0502% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1163% | 4,670 |
| Assets per employee ($millions) | 3.6598% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2402% | 1,106 |
| Loan loss allowance to noncurrent loans | 383.9416% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 4,605 |
| Noncurrent loans to loans | 0.5835% | 4,409 |
| Net loans and leases to total assets | 48.2450% | 5,094 |
| Net loans and leases to deposits | 61.7109% | 4,584 |
| Net loans and leases to core deposits | 64.1370% | 4,681 |
| Total domestic deposits to total assets | 78.1790% | 5,803 |
| Equity capital to assets | 10.5679% | 3,184 |
| Core capital (leverage) ratio | 10.7483% | 2,659 |
| Tier 1 risk-based capital ratio | 14.7760% | 3,830 |
| Total risk-based capital ratio | 16.0316% | 3,779 |
| Memoranda: | ||
| Average total assets | $47,632,000 | 6,015 |
| Average earning assets | $45,158,000 | 5,966 |
| Average equity | $4,876,500 | 6,024 |
| Average total loans | $23,918,000 | 5,988 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 4,108 |
| Cost of funding earning assets | 0.6658% | 2,067 |
| Net interest margin | 3.3268% | 4,570 |
| Noninterest income to average assets | 0.3636% | 4,707 |
| Noninterest expense to average assets | 2.4634% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0336% | 2,188 |
| Return on assets (ROA) | 1.1731% | 1,731 |
| Pretax return on assets | 1.2060% | 2,552 |
| Return on Equity (ROE) | 11.7061% | 1,517 |
| Retained earnings to average equity (ytd only) | 2.5831% | 4,412 |
| Net charge-offs to loans | -0.1088% | 6,490 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8718% | 3,855 |
| Assets per employee ($millions) | 3.6682% | 4,554 |
| Cash dividends to net income (ytd only)* | 77.9335% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1432% | 1,261 |
| Loan loss allowance to noncurrent loans | 221.1864% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 4,079 |
| Noncurrent loans to loans | 0.9690% | 3,580 |
| Net loans and leases to total assets | 49.9811% | 5,083 |
| Net loans and leases to deposits | 66.1633% | 4,277 |
| Net loans and leases to core deposits | 67.7795% | 4,538 |
| Total domestic deposits to total assets | 75.5421% | 6,134 |
| Equity capital to assets | 9.9086% | 3,890 |
| Core capital (leverage) ratio | 10.0456% | 3,500 |
| Tier 1 risk-based capital ratio | 14.1816% | 4,166 |
| Total risk-based capital ratio | 14.6847% | 4,635 |
| Memoranda: | ||
| Average total assets | $48,673,200 | 6,045 |
| Average earning assets | $46,260,000 | 5,983 |
| Average equity | $4,877,800 | 6,097 |
| Average total loans | $24,804,800 | 5,993 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 4,505 |
| Cost of funding earning assets | 0.6847% | 2,061 |
| Net interest margin | 3.2145% | 4,951 |
| Noninterest income to average assets | 0.3652% | 4,777 |
| Noninterest expense to average assets | 2.3712% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9585% | 2,544 |
| Return on assets (ROA) | 1.0875% | 2,133 |
| Pretax return on assets | 1.1938% | 2,728 |
| Return on Equity (ROE) | 10.8216% | 1,882 |
| Retained earnings to average equity (ytd only) | 6.9430% | 1,906 |
| Net charge-offs to loans | -0.1980% | 6,650 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2675% | 3,879 |
| Assets per employee ($millions) | 3.9510% | 3,933 |
| Cash dividends to net income (ytd only)* | 35.8390% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 1,804 |
| Loan loss allowance to noncurrent loans | 172.9642% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 4,511 |
| Noncurrent loans to loans | 1.1371% | 3,532 |
| Net loans and leases to total assets | 51.5293% | 4,938 |
| Net loans and leases to deposits | 75.2096% | 3,063 |
| Net loans and leases to core deposits | 77.0869% | 3,486 |
| Total domestic deposits to total assets | 68.5143% | 6,650 |
| Equity capital to assets | 9.5380% | 4,503 |
| Core capital (leverage) ratio | 10.4168% | 3,096 |
| Tier 1 risk-based capital ratio | 13.6543% | 4,659 |
| Total risk-based capital ratio | 14.1102% | 5,160 |
| Memoranda: | ||
| Average total assets | $48,920,000 | 6,109 |
| Average earning assets | $46,538,000 | 6,038 |
| Average equity | $4,916,000 | 6,161 |
| Average total loans | $24,917,000 | 6,042 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 4,550 |
| Cost of funding earning assets | 0.7216% | 1,912 |
| Net interest margin | 3.1576% | 5,096 |
| Noninterest income to average assets | 0.3700% | 4,749 |
| Noninterest expense to average assets | 2.3989% | 5,056 |
| Loan and lease loss provision to assets | 0.0249% | 4,423 |
| Net operating income to assets | 0.8634% | 2,978 |
| Return on assets (ROA) | 1.1017% | 2,035 |
| Pretax return on assets | 1.2098% | 2,629 |
| Return on Equity (ROE) | 10.7687% | 1,894 |
| Retained earnings to average equity (ytd only) | 4.9577% | 3,081 |
| Net charge-offs to loans | -0.2725% | 6,738 |
| Credit loss provision to net charge-offs | -18.1818% | 5,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1467% | 3,620 |
| Assets per employee ($millions) | 3.3645% | 5,143 |
| Cash dividends to net income (ytd only)* | 53.9623% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 1,525 |
| Loan loss allowance to noncurrent loans | 168.9873% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 4,416 |
| Noncurrent loans to loans | 1.2729% | 3,425 |
| Net loans and leases to total assets | 51.5721% | 4,919 |
| Net loans and leases to deposits | 69.2474% | 3,825 |
| Net loans and leases to core deposits | 70.9774% | 4,169 |
| Total domestic deposits to total assets | 74.4751% | 6,404 |
| Equity capital to assets | 9.9569% | 3,967 |
| Core capital (leverage) ratio | 10.7072% | 2,662 |
| Tier 1 risk-based capital ratio | 14.3415% | 4,199 |
| Total risk-based capital ratio | 15.2384% | 4,395 |
| Memoranda: | ||
| Average total assets | $48,105,670 | 6,179 |
| Average earning assets | $45,730,670 | 6,112 |
| Average equity | $4,921,670 | 6,205 |
| Average total loans | $24,223,330 | 6,110 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,902 |
| Cost of funding earning assets | 0.7881% | 1,596 |
| Net interest margin | 2.9878% | 5,605 |
| Noninterest income to average assets | 0.3703% | 4,701 |
| Noninterest expense to average assets | 2.3536% | 5,261 |
| Loan and lease loss provision to assets | 0.0329% | 4,031 |
| Net operating income to assets | 0.7112% | 3,634 |
| Return on assets (ROA) | 0.7324% | 3,663 |
| Pretax return on assets | 0.8476% | 3,960 |
| Return on Equity (ROE) | 7.0670% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.0670% | 2,123 |
| Net charge-offs to loans | -0.0334% | 5,948 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 3,383 |
| Assets per employee ($millions) | 3.1133% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2141% | 1,558 |
| Loan loss allowance to noncurrent loans | 125.2500% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9058% | 4,127 |
| Noncurrent loans to loans | 1.7677% | 2,913 |
| Net loans and leases to total assets | 47.3822% | 5,295 |
| Net loans and leases to deposits | 56.0759% | 5,229 |
| Net loans and leases to core deposits | 57.3164% | 5,402 |
| Total domestic deposits to total assets | 84.4965% | 4,267 |
| Equity capital to assets | 10.9146% | 3,058 |
| Core capital (leverage) ratio | 10.0020% | 3,378 |
| Tier 1 risk-based capital ratio | 15.4683% | 3,541 |
| Total risk-based capital ratio | 16.3549% | 3,722 |
| Memoranda: | ||
| Average total assets | $48,607,000 | 6,220 |
| Average earning assets | $46,188,500 | 6,155 |
| Average equity | $5,037,500 | 6,233 |
| Average total loans | $23,922,000 | 6,180 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 4,089 |
| Cost of funding earning assets | 0.9734% | 1,503 |
| Net interest margin | 3.3563% | 5,048 |
| Noninterest income to average assets | 0.4065% | 4,556 |
| Noninterest expense to average assets | 2.3878% | 5,440 |
| Loan and lease loss provision to assets | 0.0383% | 5,399 |
| Net operating income to assets | 1.0994% | 1,939 |
| Return on assets (ROA) | 1.3258% | 1,370 |
| Pretax return on assets | 1.3961% | 2,051 |
| Return on Equity (ROE) | 11.3285% | 1,704 |
| Retained earnings to average equity (ytd only) | -11.5285% | 6,685 |
| Net charge-offs to loans | -0.0211% | 6,562 |
| Credit loss provision to net charge-offs | -360.0000% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6271% | 4,391 |
| Assets per employee ($millions) | 3.3677% | 5,294 |
| Cash dividends to net income (ytd only)* | 201.7657% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9630% | 2,123 |
| Loan loss allowance to noncurrent loans | 114.3187% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 4,239 |
| Noncurrent loans to loans | 1.7172% | 3,034 |
| Net loans and leases to total assets | 48.9379% | 5,313 |
| Net loans and leases to deposits | 60.3879% | 4,984 |
| Net loans and leases to core deposits | 61.6714% | 5,191 |
| Total domestic deposits to total assets | 81.0393% | 5,392 |
| Equity capital to assets | 9.8545% | 4,372 |
| Core capital (leverage) ratio | 9.9934% | 3,411 |
| Tier 1 risk-based capital ratio | 13.3453% | 4,861 |
| Total risk-based capital ratio | 14.2065% | 5,078 |
| Memoranda: | ||
| Average total assets | $46,989,600 | 6,289 |
| Average earning assets | $44,483,200 | 6,223 |
| Average equity | $5,499,400 | 6,148 |
| Average total loans | $23,643,200 | 6,259 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 3,934 |
| Cost of funding earning assets | 1.0428% | 1,319 |
| Net interest margin | 3.3851% | 5,080 |
| Noninterest income to average assets | 0.4222% | 4,462 |
| Noninterest expense to average assets | 2.4521% | 5,234 |
| Loan and lease loss provision to assets | 0.0521% | 5,103 |
| Net operating income to assets | 1.0686% | 2,222 |
| Return on assets (ROA) | 1.2463% | 1,754 |
| Pretax return on assets | 1.3041% | 2,597 |
| Return on Equity (ROE) | 10.2074% | 2,250 |
| Retained earnings to average equity (ytd only) | 2.6289% | 4,988 |
| Net charge-offs to loans | -0.1720% | 6,962 |
| Credit loss provision to net charge-offs | -60.0000% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6776% | 4,137 |
| Assets per employee ($millions) | 3.2520% | 5,533 |
| Cash dividends to net income (ytd only)* | 74.2469% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0639% | 2,001 |
| Loan loss allowance to noncurrent loans | 102.5641% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 4,119 |
| Noncurrent loans to loans | 2.0123% | 2,833 |
| Net loans and leases to total assets | 50.5843% | 5,241 |
| Net loans and leases to deposits | 68.6141% | 4,082 |
| Net loans and leases to core deposits | 70.4738% | 4,440 |
| Total domestic deposits to total assets | 73.7228% | 6,622 |
| Equity capital to assets | 11.9168% | 2,338 |
| Core capital (leverage) ratio | 11.6545% | 1,868 |
| Tier 1 risk-based capital ratio | 16.5642% | 2,961 |
| Total risk-based capital ratio | 17.8469% | 2,918 |
| Memoranda: | ||
| Average total assets | $46,108,250 | 6,397 |
| Average earning assets | $43,601,750 | 6,322 |
| Average equity | $5,629,750 | 6,185 |
| Average total loans | $23,250,000 | 6,366 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 3,983 |
| Cost of funding earning assets | 1.0114% | 1,697 |
| Net interest margin | 3.4370% | 4,940 |
| Noninterest income to average assets | 0.4512% | 4,278 |
| Noninterest expense to average assets | 2.4946% | 5,153 |
| Loan and lease loss provision to assets | 0.0796% | 4,610 |
| Net operating income to assets | 1.0965% | 2,059 |
| Return on assets (ROA) | 1.2915% | 1,612 |
| Pretax return on assets | 1.3225% | 2,468 |
| Return on Equity (ROE) | 10.4872% | 2,180 |
| Retained earnings to average equity (ytd only) | 0.4310% | 5,896 |
| Net charge-offs to loans | -0.2212% | 7,018 |
| Credit loss provision to net charge-offs | -72.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4641% | 4,242 |
| Assets per employee ($millions) | 2.9426% | 6,162 |
| Cash dividends to net income (ytd only)* | 95.8904% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2009% | 1,765 |
| Loan loss allowance to noncurrent loans | 159.4427% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 4,904 |
| Noncurrent loans to loans | 1.3803% | 3,852 |
| Net loans and leases to total assets | 48.6067% | 5,548 |
| Net loans and leases to deposits | 67.7693% | 4,241 |
| Net loans and leases to core deposits | 69.7267% | 4,561 |
| Total domestic deposits to total assets | 71.7238% | 6,816 |
| Equity capital to assets | 11.9260% | 2,196 |
| Core capital (leverage) ratio | 11.9014% | 1,651 |
| Tier 1 risk-based capital ratio | 17.4195% | 2,503 |
| Total risk-based capital ratio | 18.6497% | 2,475 |
| Memoranda: | ||
| Average total assets | $45,217,670 | 6,460 |
| Average earning assets | $42,711,670 | 6,389 |
| Average equity | $5,568,670 | 6,226 |
| Average total loans | $22,601,670 | 6,432 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 3,965 |
| Cost of funding earning assets | 0.9860% | 2,064 |
| Net interest margin | 3.5035% | 4,676 |
| Noninterest income to average assets | 0.4968% | 3,930 |
| Noninterest expense to average assets | 2.5923% | 4,848 |
| Loan and lease loss provision to assets | 0.0813% | 4,374 |
| Net operating income to assets | 1.1052% | 2,062 |
| Return on assets (ROA) | 1.2645% | 1,725 |
| Pretax return on assets | 1.2916% | 2,568 |
| Return on Equity (ROE) | 10.0983% | 2,371 |
| Retained earnings to average equity (ytd only) | -4.3278% | 6,535 |
| Net charge-offs to loans | -0.2162% | 7,008 |
| Credit loss provision to net charge-offs | -75.0000% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1710% | 4,137 |
| Assets per employee ($millions) | 2.9341% | 6,282 |
| Cash dividends to net income (ytd only)* | 142.8571% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 1,679 |
| Loan loss allowance to noncurrent loans | 215.2838% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 5,403 |
| Noncurrent loans to loans | 1.0678% | 4,568 |
| Net loans and leases to total assets | 47.6052% | 5,607 |
| Net loans and leases to deposits | 62.0304% | 4,916 |
| Net loans and leases to core deposits | 62.0304% | 5,322 |
| Total domestic deposits to total assets | 76.7450% | 6,442 |
| Equity capital to assets | 12.6443% | 1,632 |
| Core capital (leverage) ratio | 12.3377% | 1,415 |
| Tier 1 risk-based capital ratio | 18.2333% | 2,217 |
| Total risk-based capital ratio | 19.5212% | 2,185 |
| Memoranda: | ||
| Average total assets | $44,285,500 | 6,528 |
| Average earning assets | $41,786,500 | 6,460 |
| Average equity | $5,545,500 | 6,263 |
| Average total loans | $22,202,500 | 6,497 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 3,627 |
| Cost of funding earning assets | 1.2395% | 1,788 |
| Net interest margin | 3.6001% | 4,729 |
| Noninterest income to average assets | 0.4929% | 3,895 |
| Noninterest expense to average assets | 2.6486% | 4,926 |
| Loan and lease loss provision to assets | 0.1363% | 4,918 |
| Net operating income to assets | 1.0642% | 1,941 |
| Return on assets (ROA) | 1.4560% | 995 |
| Pretax return on assets | 1.4924% | 1,498 |
| Return on Equity (ROE) | 12.1076% | 1,377 |
| Retained earnings to average equity (ytd only) | 10.1998% | 521 |
| Net charge-offs to loans | 0.3781% | 3,522 |
| Credit loss provision to net charge-offs | 67.4157% | 4,950 |
| Earnings coverage of net charge-offs (x) | 6.0787% | 2,602 |
| Efficiency ratio | 68.3070% | 4,292 |
| Assets per employee ($millions) | 2.9706% | 6,155 |
| Cash dividends to net income (ytd only)* | 15.7566% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 2,112 |
| Loan loss allowance to noncurrent loans | 201.7094% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 4,886 |
| Noncurrent loans to loans | 1.0192% | 4,669 |
| Net loans and leases to total assets | 50.4679% | 5,530 |
| Net loans and leases to deposits | 65.4196% | 4,815 |
| Net loans and leases to core deposits | 67.4667% | 5,094 |
| Total domestic deposits to total assets | 77.1449% | 6,321 |
| Equity capital to assets | 12.4015% | 1,855 |
| Core capital (leverage) ratio | 12.5591% | 1,325 |
| Tier 1 risk-based capital ratio | 17.1410% | 2,538 |
| Total risk-based capital ratio | 18.4229% | 2,483 |
| Memoranda: | ||
| Average total assets | $44,023,800 | 6,539 |
| Average earning assets | $41,388,000 | 6,480 |
| Average equity | $5,294,200 | 6,349 |
| Average total loans | $23,535,800 | 6,485 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 3,682 |
| Cost of funding earning assets | 1.2603% | 1,934 |
| Net interest margin | 3.6096% | 4,728 |
| Noninterest income to average assets | 0.5073% | 3,815 |
| Noninterest expense to average assets | 2.6885% | 4,773 |
| Loan and lease loss provision to assets | 0.1367% | 4,729 |
| Net operating income to assets | 1.0489% | 2,144 |
| Return on assets (ROA) | 1.5675% | 896 |
| Pretax return on assets | 1.6100% | 1,358 |
| Return on Equity (ROE) | 13.1388% | 1,244 |
| Retained earnings to average equity (ytd only) | 10.5671% | 711 |
| Net charge-offs to loans | 0.5237% | 2,660 |
| Credit loss provision to net charge-offs | 48.3871% | 5,068 |
| Earnings coverage of net charge-offs (x) | 4.2902% | 3,117 |
| Efficiency ratio | 68.9252% | 4,137 |
| Assets per employee ($millions) | 2.9821% | 6,163 |
| Cash dividends to net income (ytd only)* | 19.5732% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 2,980 |
| Loan loss allowance to noncurrent loans | 128.0453% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 4,507 |
| Noncurrent loans to loans | 1.3977% | 4,200 |
| Net loans and leases to total assets | 55.4502% | 4,927 |
| Net loans and leases to deposits | 81.3113% | 2,484 |
| Net loans and leases to core deposits | 83.9050% | 3,076 |
| Total domestic deposits to total assets | 68.1950% | 7,131 |
| Equity capital to assets | 12.2105% | 2,091 |
| Core capital (leverage) ratio | 11.8804% | 1,775 |
| Tier 1 risk-based capital ratio | 16.7993% | 2,720 |
| Total risk-based capital ratio | 18.0823% | 2,678 |
| Memoranda: | ||
| Average total assets | $43,890,000 | 6,597 |
| Average earning assets | $41,259,750 | 6,534 |
| Average equity | $5,236,250 | 6,421 |
| Average total loans | $23,679,750 | 6,548 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 3,836 |
| Cost of funding earning assets | 1.2974% | 1,955 |
| Net interest margin | 3.5593% | 4,890 |
| Noninterest income to average assets | 0.4770% | 4,052 |
| Noninterest expense to average assets | 2.6875% | 4,869 |
| Loan and lease loss provision to assets | 0.1376% | 4,583 |
| Net operating income to assets | 0.9580% | 2,405 |
| Return on assets (ROA) | 1.3850% | 1,183 |
| Pretax return on assets | 1.4263% | 1,739 |
| Return on Equity (ROE) | 11.7032% | 1,581 |
| Retained earnings to average equity (ytd only) | 10.4631% | 750 |
| Net charge-offs to loans | 0.3455% | 3,176 |
| Credit loss provision to net charge-offs | 75.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | 6.1250% | 2,461 |
| Efficiency ratio | 70.5174% | 4,019 |
| Assets per employee ($millions) | 2.7574% | 6,545 |
| Cash dividends to net income (ytd only)* | 10.5960% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 2,154 |
| Loan loss allowance to noncurrent loans | 170.1389% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 4,710 |
| Noncurrent loans to loans | 1.2242% | 4,616 |
| Net loans and leases to total assets | 52.2145% | 5,542 |
| Net loans and leases to deposits | 74.4009% | 3,730 |
| Net loans and leases to core deposits | 75.8487% | 4,334 |
| Total domestic deposits to total assets | 70.1800% | 7,098 |
| Equity capital to assets | 12.2399% | 1,942 |
| Core capital (leverage) ratio | 11.7706% | 1,734 |
| Tier 1 risk-based capital ratio | 17.4406% | 2,359 |
| Total risk-based capital ratio | 18.6921% | 2,330 |
| Memoranda: | ||
| Average total assets | $43,609,330 | 6,657 |
| Average earning assets | $40,850,330 | 6,605 |
| Average equity | $5,161,000 | 6,480 |
| Average total loans | $23,154,330 | 6,634 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 4,273 |
| Cost of funding earning assets | 1.3320% | 1,997 |
| Net interest margin | 3.4238% | 5,328 |
| Noninterest income to average assets | 0.4613% | 4,175 |
| Noninterest expense to average assets | 2.6756% | 4,938 |
| Loan and lease loss provision to assets | 0.1384% | 4,277 |
| Net operating income to assets | 0.8027% | 3,019 |
| Return on assets (ROA) | 0.8027% | 3,085 |
| Pretax return on assets | 0.8488% | 3,709 |
| Return on Equity (ROE) | 6.9027% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.9027% | 2,190 |
| Net charge-offs to loans | 0.7663% | 1,679 |
| Credit loss provision to net charge-offs | 34.0909% | 4,049 |
| Earnings coverage of net charge-offs (x) | 2.4318% | 3,104 |
| Efficiency ratio | 73.0479% | 3,670 |
| Assets per employee ($millions) | 3.5924% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 2,092 |
| Loan loss allowance to noncurrent loans | 191.8699% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 4,521 |
| Noncurrent loans to loans | 1.1168% | 4,840 |
| Net loans and leases to total assets | 50.0012% | 5,848 |
| Net loans and leases to deposits | 65.8892% | 4,993 |
| Net loans and leases to core deposits | 65.8892% | 5,525 |
| Total domestic deposits to total assets | 75.8867% | 6,685 |
| Equity capital to assets | 11.9117% | 1,973 |
| Core capital (leverage) ratio | 11.4183% | 1,897 |
| Tier 1 risk-based capital ratio | 17.6202% | 2,239 |
| Total risk-based capital ratio | 18.9099% | 2,202 |
| Memoranda: | ||
| Average total assets | $43,355,000 | 6,712 |
| Average earning assets | $40,539,500 | 6,667 |
| Average equity | $5,041,500 | 6,546 |
| Average total loans | $22,968,500 | 6,695 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 2,234 |
| Cost of funding earning assets | 1.6419% | 1,862 |
| Net interest margin | 3.8694% | 3,641 |
| Noninterest income to average assets | 0.5009% | 4,159 |
| Noninterest expense to average assets | 2.7332% | 4,836 |
| Loan and lease loss provision to assets | 0.2176% | 5,086 |
| Net operating income to assets | 1.1117% | 1,669 |
| Return on assets (ROA) | 1.2964% | 1,242 |
| Pretax return on assets | 1.3349% | 1,846 |
| Return on Equity (ROE) | 11.6763% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.4919% | 842 |
| Net charge-offs to loans | 1.0164% | 2,163 |
| Credit loss provision to net charge-offs | 36.0902% | 6,436 |
| Earnings coverage of net charge-offs (x) | 2.2594% | 4,031 |
| Efficiency ratio | 66.7405% | 4,812 |
| Assets per employee ($millions) | 3.3539% | 5,292 |
| Cash dividends to net income (ytd only)* | 27.2727% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0954% | 2,083 |
| Loan loss allowance to noncurrent loans | 78.0374% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 2.0298% | 3,315 |
| Noncurrent loans to loans | 2.6851% | 2,837 |
| Net loans and leases to total assets | 53.6891% | 5,674 |
| Net loans and leases to deposits | 69.5103% | 4,881 |
| Net loans and leases to core deposits | 72.0499% | 5,206 |
| Total domestic deposits to total assets | 77.2391% | 6,440 |
| Equity capital to assets | 11.3484% | 2,374 |
| Core capital (leverage) ratio | 11.0520% | 2,123 |
| Tier 1 risk-based capital ratio | 16.4442% | 2,544 |
| Total risk-based capital ratio | 17.7291% | 2,502 |
| Memoranda: | ||
| Average total assets | $44,123,600 | 6,727 |
| Average earning assets | $40,988,600 | 6,674 |
| Average equity | $4,898,800 | 6,703 |
| Average total loans | $26,171,600 | 6,602 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6552% | 1,869 |
| Cost of funding earning assets | 1.6881% | 1,932 |
| Net interest margin | 3.9671% | 3,250 |
| Noninterest income to average assets | 0.5272% | 3,966 |
| Noninterest expense to average assets | 2.7507% | 4,683 |
| Loan and lease loss provision to assets | 0.2169% | 4,899 |
| Net operating income to assets | 1.2037% | 1,586 |
| Return on assets (ROA) | 1.4492% | 1,095 |
| Pretax return on assets | 1.4944% | 1,636 |
| Return on Equity (ROE) | 13.1243% | 1,225 |
| Retained earnings to average equity (ytd only) | 8.8677% | 1,095 |
| Net charge-offs to loans | 1.2517% | 1,627 |
| Credit loss provision to net charge-offs | 28.6853% | 6,169 |
| Earnings coverage of net charge-offs (x) | 1.9283% | 4,262 |
| Efficiency ratio | 65.3543% | 4,988 |
| Assets per employee ($millions) | 3.3303% | 5,382 |
| Cash dividends to net income (ytd only)* | 32.4315% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 2,424 |
| Loan loss allowance to noncurrent loans | 73.4328% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.2705% | 3,119 |
| Noncurrent loans to loans | 2.6139% | 3,008 |
| Net loans and leases to total assets | 58.0681% | 5,253 |
| Net loans and leases to deposits | 80.9558% | 3,275 |
| Net loans and leases to core deposits | 85.8753% | 3,677 |
| Total domestic deposits to total assets | 71.7282% | 7,162 |
| Equity capital to assets | 11.6229% | 2,437 |
| Core capital (leverage) ratio | 11.0062% | 2,256 |
| Tier 1 risk-based capital ratio | 15.8288% | 2,851 |
| Total risk-based capital ratio | 17.1151% | 2,774 |
| Memoranda: | ||
| Average total assets | $44,254,250 | 6,808 |
| Average earning assets | $41,070,500 | 6,757 |
| Average equity | $4,886,500 | 6,790 |
| Average total loans | $26,737,000 | 6,663 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7486% | 1,556 |
| Cost of funding earning assets | 1.7226% | 2,000 |
| Net interest margin | 4.0260% | 2,895 |
| Noninterest income to average assets | 0.4083% | 4,842 |
| Noninterest expense to average assets | 2.7774% | 4,586 |
| Loan and lease loss provision to assets | 0.2154% | 4,737 |
| Net operating income to assets | 1.1145% | 1,805 |
| Return on assets (ROA) | 1.4627% | 1,034 |
| Pretax return on assets | 1.5076% | 1,540 |
| Return on Equity (ROE) | 13.4766% | 1,147 |
| Retained earnings to average equity (ytd only) | 11.3270% | 588 |
| Net charge-offs to loans | 1.1511% | 1,652 |
| Credit loss provision to net charge-offs | 30.7692% | 5,720 |
| Earnings coverage of net charge-offs (x) | 1.9487% | 4,059 |
| Efficiency ratio | 67.0639% | 4,749 |
| Assets per employee ($millions) | 2.4130% | 7,212 |
| Cash dividends to net income (ytd only)* | 15.9509% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 1,880 |
| Loan loss allowance to noncurrent loans | 66.5877% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.8687% | 2,512 |
| Noncurrent loans to loans | 3.2197% | 2,487 |
| Net loans and leases to total assets | 59.0597% | 5,238 |
| Net loans and leases to deposits | 81.3962% | 3,363 |
| Net loans and leases to core deposits | 85.1575% | 3,962 |
| Total domestic deposits to total assets | 72.5584% | 7,133 |
| Equity capital to assets | 11.5877% | 2,367 |
| Core capital (leverage) ratio | 10.7633% | 2,423 |
| Tier 1 risk-based capital ratio | 16.5285% | 2,460 |
| Total risk-based capital ratio | 17.5439% | 2,506 |
| Memoranda: | ||
| Average total assets | $44,574,330 | 6,848 |
| Average earning assets | $41,331,670 | 6,802 |
| Average equity | $4,838,000 | 6,830 |
| Average total loans | $27,105,330 | 6,683 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 1,503 |
| Cost of funding earning assets | 1.7407% | 2,178 |
| Net interest margin | 4.0458% | 2,670 |
| Noninterest income to average assets | 0.4430% | 4,538 |
| Noninterest expense to average assets | 2.6759% | 5,023 |
| Loan and lease loss provision to assets | 0.2127% | 4,385 |
| Net operating income to assets | 1.2582% | 1,388 |
| Return on assets (ROA) | 1.2582% | 1,461 |
| Pretax return on assets | 1.3025% | 2,043 |
| Return on Equity (ROE) | 11.9819% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.9819% | 749 |
| Net charge-offs to loans | 2.2794% | 746 |
| Credit loss provision to net charge-offs | 15.2866% | 4,992 |
| Earnings coverage of net charge-offs (x) | 1.0892% | 4,113 |
| Efficiency ratio | 63.8478% | 5,528 |
| Assets per employee ($millions) | 2.6661% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 2,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0348% | 5,080 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 57.0284% | 5,602 |
| Net loans and leases to deposits | 78.5003% | 3,946 |
| Net loans and leases to core deposits | 84.1757% | 4,176 |
| Total domestic deposits to total assets | 72.6474% | 7,198 |
| Equity capital to assets | 10.6613% | 3,076 |
| Core capital (leverage) ratio | 10.4453% | 2,678 |
| Tier 1 risk-based capital ratio | 15.8666% | 2,700 |
| Total risk-based capital ratio | 17.1553% | 2,630 |
| Memoranda: | ||
| Average total assets | $45,144,500 | 6,904 |
| Average earning assets | $41,821,500 | 6,866 |
| Average equity | $4,740,500 | 6,932 |
| Average total loans | $27,551,000 | 6,748 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1828% | 1,282 |
| Cost of funding earning assets | 2.1272% | 2,336 |
| Net interest margin | 4.0556% | 2,624 |
| Noninterest income to average assets | 0.3582% | 5,530 |
| Noninterest expense to average assets | 2.6945% | 5,420 |
| Loan and lease loss provision to assets | 1.1349% | 2,008 |
| Net operating income to assets | 0.2574% | 4,692 |
| Return on assets (ROA) | 0.7705% | 2,727 |
| Pretax return on assets | 0.7975% | 3,247 |
| Return on Equity (ROE) | 8.2160% | 2,282 |
| Retained earnings to average equity (ytd only) | 8.2160% | 644 |
| Net charge-offs to loans | 2.3033% | 1,011 |
| Credit loss provision to net charge-offs | 79.7950% | 6,282 |
| Earnings coverage of net charge-offs (x) | 0.9868% | 5,124 |
| Efficiency ratio | 65.7520% | 5,444 |
| Assets per employee ($millions) | 2.6451% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3366% | 1,426 |
| Loan loss allowance to noncurrent loans | 65.5273% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.9978% | 2,336 |
| Noncurrent loans to loans | 3.5658% | 2,126 |
| Net loans and leases to total assets | 62.3716% | 4,914 |
| Net loans and leases to deposits | 80.4002% | 3,915 |
| Net loans and leases to core deposits | 94.9039% | 4,573 |
| Total domestic deposits to total assets | 77.5764% | 6,329 |
| Equity capital to assets | 10.3389% | 3,355 |
| Core capital (leverage) ratio | 9.8066% | 3,315 |
| Tier 1 risk-based capital ratio | 14.8255% | 3,035 |
| Total risk-based capital ratio | 16.1168% | 2,964 |
| Memoranda: | ||
| Average total assets | $48,023,400 | 6,786 |
| Average earning assets | $44,284,400 | 6,750 |
| Average equity | $4,503,400 | 7,112 |
| Average total loans | $29,653,400 | 6,643 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2061% | 1,362 |
| Cost of funding earning assets | 2.1801% | 2,499 |
| Net interest margin | 4.0260% | 2,699 |
| Noninterest income to average assets | 0.3717% | 5,536 |
| Noninterest expense to average assets | 2.6072% | 5,693 |
| Loan and lease loss provision to assets | 0.7379% | 2,532 |
| Net operating income to assets | 0.7294% | 3,098 |
| Return on assets (ROA) | 1.2544% | 1,397 |
| Pretax return on assets | 1.2817% | 2,004 |
| Return on Equity (ROE) | 13.7000% | 979 |
| Retained earnings to average equity (ytd only) | 13.7000% | 210 |
| Net charge-offs to loans | 1.4632% | 1,406 |
| Credit loss provision to net charge-offs | 82.3171% | 5,698 |
| Earnings coverage of net charge-offs (x) | 1.6555% | 4,551 |
| Efficiency ratio | 63.7275% | 5,807 |
| Assets per employee ($millions) | 2.7006% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 1,052 |
| Loan loss allowance to noncurrent loans | 43.0787% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 4.7288% | 1,262 |
| Noncurrent loans to loans | 5.8212% | 1,038 |
| Net loans and leases to total assets | 63.5112% | 4,973 |
| Net loans and leases to deposits | 88.4648% | 2,873 |
| Net loans and leases to core deposits | 105.0549% | 3,815 |
| Total domestic deposits to total assets | 71.7926% | 7,231 |
| Equity capital to assets | 10.5119% | 3,500 |
| Core capital (leverage) ratio | 9.5211% | 3,884 |
| Tier 1 risk-based capital ratio | 14.9611% | 3,057 |
| Total risk-based capital ratio | 16.2553% | 2,979 |
| Memoranda: | ||
| Average total assets | $48,787,750 | 6,813 |
| Average earning assets | $45,072,500 | 6,774 |
| Average equity | $4,467,000 | 7,191 |
| Average total loans | $29,887,500 | 6,686 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1890% | 1,493 |
| Cost of funding earning assets | 2.2253% | 2,683 |
| Net interest margin | 3.9638% | 2,850 |
| Noninterest income to average assets | 0.3659% | 5,585 |
| Noninterest expense to average assets | 2.5248% | 6,038 |
| Loan and lease loss provision to assets | 0.7237% | 2,266 |
| Net operating income to assets | 0.7706% | 2,968 |
| Return on assets (ROA) | 1.2986% | 1,318 |
| Pretax return on assets | 1.3227% | 1,957 |
| Return on Equity (ROE) | 14.8597% | 856 |
| Retained earnings to average equity (ytd only) | 14.8597% | 212 |
| Net charge-offs to loans | 0.9036% | 1,893 |
| Credit loss provision to net charge-offs | 133.3333% | 3,495 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 3,696 |
| Efficiency ratio | 62.6122% | 6,151 |
| Assets per employee ($millions) | 2.8325% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7847% | 690 |
| Loan loss allowance to noncurrent loans | 40.9309% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 4.5563% | 1,222 |
| Noncurrent loans to loans | 6.8033% | 738 |
| Net loans and leases to total assets | 61.8425% | 5,384 |
| Net loans and leases to deposits | 87.0782% | 3,342 |
| Net loans and leases to core deposits | 104.4181% | 4,020 |
| Total domestic deposits to total assets | 71.0195% | 7,364 |
| Equity capital to assets | 9.5113% | 4,599 |
| Core capital (leverage) ratio | 9.1268% | 4,419 |
| Tier 1 risk-based capital ratio | 14.6600% | 3,163 |
| Total risk-based capital ratio | 15.9602% | 3,075 |
| Memoranda: | ||
| Average total assets | $49,747,000 | 6,841 |
| Average earning assets | $46,017,000 | 6,802 |
| Average equity | $4,347,330 | 7,294 |
| Average total loans | $29,880,670 | 6,740 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2478% | 1,454 |
| Cost of funding earning assets | 2.2914% | 2,739 |
| Net interest margin | 3.9564% | 2,828 |
| Noninterest income to average assets | 0.3957% | 5,245 |
| Noninterest expense to average assets | 2.4850% | 5,895 |
| Loan and lease loss provision to assets | 1.1871% | 1,091 |
| Net operating income to assets | 0.3678% | 4,981 |
| Return on assets (ROA) | 1.3295% | 1,414 |
| Pretax return on assets | 1.3533% | 2,112 |
| Return on Equity (ROE) | 15.8828% | 844 |
| Retained earnings to average equity (ytd only) | 15.8828% | 349 |
| Net charge-offs to loans | 1.8844% | 765 |
| Credit loss provision to net charge-offs | 107.9137% | 3,550 |
| Earnings coverage of net charge-offs (x) | 1.4173% | 4,029 |
| Efficiency ratio | 61.4481% | 6,165 |
| Assets per employee ($millions) | 2.8694% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8253% | 569 |
| Loan loss allowance to noncurrent loans | 37.0756% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 4.7192% | 993 |
| Noncurrent loans to loans | 7.6204% | 492 |
| Net loans and leases to total assets | 57.7482% | 5,986 |
| Net loans and leases to deposits | 80.6049% | 4,523 |
| Net loans and leases to core deposits | 93.4574% | 5,211 |
| Total domestic deposits to total assets | 71.6435% | 7,259 |
| Equity capital to assets | 8.8973% | 5,482 |
| Core capital (leverage) ratio | 8.7286% | 5,097 |
| Tier 1 risk-based capital ratio | 14.7856% | 3,164 |
| Total risk-based capital ratio | 16.0858% | 3,068 |
| Memoranda: | ||
| Average total assets | $50,544,000 | 6,846 |
| Average earning assets | $46,608,500 | 6,816 |
| Average equity | $4,231,000 | 7,370 |
| Average total loans | $29,505,000 | 6,798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6431% | 2,275 |
| Cost of funding earning assets | 3.0684% | 1,607 |
| Net interest margin | 3.5747% | 4,992 |
| Noninterest income to average assets | 0.3790% | 5,654 |
| Noninterest expense to average assets | 2.3787% | 6,474 |
| Loan and lease loss provision to assets | 0.6048% | 2,405 |
| Net operating income to assets | 0.6096% | 4,260 |
| Return on assets (ROA) | 0.6148% | 4,100 |
| Pretax return on assets | 0.7176% | 4,342 |
| Return on Equity (ROE) | 7.3850% | 3,330 |
| Retained earnings to average equity (ytd only) | 4.5278% | 2,308 |
| Net charge-offs to loans | 0.7426% | 1,667 |
| Credit loss provision to net charge-offs | 132.7434% | 4,010 |
| Earnings coverage of net charge-offs (x) | 2.8894% | 4,635 |
| Efficiency ratio | 64.3753% | 5,480 |
| Assets per employee ($millions) | 3.0770% | 5,842 |
| Cash dividends to net income (ytd only)* | 38.6885% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6914% | 563 |
| Loan loss allowance to noncurrent loans | 34.3537% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 5.1463% | 662 |
| Noncurrent loans to loans | 7.8343% | 353 |
| Net loans and leases to total assets | 55.8489% | 6,458 |
| Net loans and leases to deposits | 77.3410% | 5,427 |
| Net loans and leases to core deposits | 89.4516% | 5,848 |
| Total domestic deposits to total assets | 72.2113% | 6,963 |
| Equity capital to assets | 7.8801% | 6,996 |
| Core capital (leverage) ratio | 7.9539% | 6,567 |
| Tier 1 risk-based capital ratio | 13.3385% | 3,903 |
| Total risk-based capital ratio | 14.6305% | 3,791 |
| Memoranda: | ||
| Average total assets | $49,606,800 | 6,791 |
| Average earning assets | $46,017,800 | 6,768 |
| Average equity | $4,130,000 | 7,459 |
| Average total loans | $30,433,600 | 6,681 |