Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 1,743 |
| Cost of funding earning assets | 0.8867% | 975 |
| Net interest margin | 3.7900% | 2,688 |
| Noninterest income to average assets | 0.3846% | 3,569 |
| Noninterest expense to average assets | 4.0095% | 524 |
| Loan and lease loss provision to assets | 0.0169% | 3,675 |
| Net operating income to assets | -0.0780% | 5,326 |
| Return on assets (ROA) | -0.1380% | 5,337 |
| Pretax return on assets | -0.1212% | 5,326 |
| Return on Equity (ROE) | -1.4194% | 5,341 |
| Retained earnings to average equity (ytd only) | -2.4054% | 5,221 |
| Net charge-offs to loans | 0.0846% | 1,666 |
| Credit loss provision to net charge-offs | 22.2222% | 3,003 |
| Earnings coverage of net charge-offs (x) | -0.5833% | 3,432 |
| Efficiency ratio | 101.1161% | 135 |
| Assets per employee ($millions) | 3.3734% | 4,709 |
| Cash dividends to net income (ytd only)* | -69.4664% | 5,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,404 |
| Loan loss allowance to noncurrent loans | 30.4293% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 3.2418% | 205 |
| Noncurrent loans to loans | 3.4889% | 275 |
| Net loans and leases to total assets | 91.9321% | 29 |
| Net loans and leases to deposits | 104.8359% | 496 |
| Net loans and leases to core deposits | 122.7392% | 500 |
| Total domestic deposits to total assets | 87.6914% | 1,400 |
| Equity capital to assets | 10.6461% | 2,991 |
| Core capital (leverage) ratio | 10.1893% | 3,423 |
| Tier 1 risk-based capital ratio | 14.2704% | 3,231 |
| Total risk-based capital ratio | 15.5221% | 3,145 |
| Memoranda: | ||
| Average total assets | $126,530,250 | 3,721 |
| Average earning assets | $119,539,750 | 3,689 |
| Average equity | $12,305,000 | 4,026 |
| Average total loans | $113,430,000 | 3,114 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,778 |
| Cost of funding earning assets | 0.8740% | 809 |
| Net interest margin | 3.7286% | 2,830 |
| Noninterest income to average assets | 0.3868% | 3,574 |
| Noninterest expense to average assets | 3.6280% | 841 |
| Loan and lease loss provision to assets | 0.0250% | 3,419 |
| Net operating income to assets | 0.2371% | 5,192 |
| Return on assets (ROA) | 0.2371% | 5,187 |
| Pretax return on assets | 0.2605% | 5,197 |
| Return on Equity (ROE) | 2.5130% | 5,094 |
| Retained earnings to average equity (ytd only) | 1.0085% | 4,755 |
| Net charge-offs to loans | 0.1091% | 1,281 |
| Credit loss provision to net charge-offs | 25.8065% | 2,651 |
| Earnings coverage of net charge-offs (x) | 2.9516% | 2,928 |
| Efficiency ratio | 92.7063% | 289 |
| Assets per employee ($millions) | 3.5211% | 4,566 |
| Cash dividends to net income (ytd only)* | 59.8684% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,412 |
| Loan loss allowance to noncurrent loans | 124.9224% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 1,956 |
| Noncurrent loans to loans | 0.8597% | 2,004 |
| Net loans and leases to total assets | 87.7856% | 148 |
| Net loans and leases to deposits | 107.6471% | 367 |
| Net loans and leases to core deposits | 126.0658% | 406 |
| Total domestic deposits to total assets | 81.5494% | 3,855 |
| Equity capital to assets | 9.7341% | 3,885 |
| Core capital (leverage) ratio | 9.6172% | 3,979 |
| Tier 1 risk-based capital ratio | 13.1167% | 3,838 |
| Total risk-based capital ratio | 14.3671% | 3,753 |
| Memoranda: | ||
| Average total assets | $128,225,670 | 3,732 |
| Average earning assets | $121,279,330 | 3,683 |
| Average equity | $12,097,000 | 4,071 |
| Average total loans | $113,625,330 | 3,114 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 1,822 |
| Cost of funding earning assets | 0.8714% | 687 |
| Net interest margin | 3.6430% | 3,015 |
| Noninterest income to average assets | 0.3381% | 3,895 |
| Noninterest expense to average assets | 3.2817% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4280% | 4,866 |
| Return on assets (ROA) | 0.4280% | 4,874 |
| Pretax return on assets | 0.5056% | 4,861 |
| Return on Equity (ROE) | 4.6092% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.6092% | 3,357 |
| Net charge-offs to loans | -0.0035% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6503% | 600 |
| Assets per employee ($millions) | 3.4150% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,402 |
| Loan loss allowance to noncurrent loans | 148.8731% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6496% | 2,378 |
| Noncurrent loans to loans | 0.7370% | 2,363 |
| Net loans and leases to total assets | 87.1818% | 183 |
| Net loans and leases to deposits | 105.8999% | 385 |
| Net loans and leases to core deposits | 123.6975% | 481 |
| Total domestic deposits to total assets | 82.3247% | 3,866 |
| Equity capital to assets | 9.3320% | 4,240 |
| Core capital (leverage) ratio | 9.5005% | 4,068 |
| Tier 1 risk-based capital ratio | 12.5949% | 4,181 |
| Total risk-based capital ratio | 13.8456% | 4,085 |
| Memoranda: | ||
| Average total assets | $128,958,500 | 3,763 |
| Average earning assets | $122,098,500 | 3,713 |
| Average equity | $11,976,000 | 4,124 |
| Average total loans | $114,195,500 | 3,134 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,411 |
| Cost of funding earning assets | 0.7878% | 667 |
| Net interest margin | 3.8170% | 2,367 |
| Noninterest income to average assets | 0.3461% | 3,988 |
| Noninterest expense to average assets | 3.0481% | 2,019 |
| Loan and lease loss provision to assets | 0.0325% | 3,617 |
| Net operating income to assets | 0.4532% | 4,520 |
| Return on assets (ROA) | 0.4532% | 4,552 |
| Pretax return on assets | 0.8692% | 4,018 |
| Return on Equity (ROE) | 4.9217% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.3444% | 3,296 |
| Net charge-offs to loans | 0.0257% | 3,290 |
| Credit loss provision to net charge-offs | 141.3793% | 1,872 |
| Earnings coverage of net charge-offs (x) | 39.1724% | 1,280 |
| Efficiency ratio | 77.1704% | 1,462 |
| Assets per employee ($millions) | 3.5597% | 4,624 |
| Cash dividends to net income (ytd only)* | 32.0490% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,357 |
| Loan loss allowance to noncurrent loans | 169.0027% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 2,619 |
| Noncurrent loans to loans | 0.6509% | 2,593 |
| Net loans and leases to total assets | 87.9819% | 138 |
| Net loans and leases to deposits | 107.0285% | 355 |
| Net loans and leases to core deposits | 124.3968% | 474 |
| Total domestic deposits to total assets | 82.2042% | 3,814 |
| Equity capital to assets | 9.2409% | 4,487 |
| Core capital (leverage) ratio | 9.2647% | 4,332 |
| Tier 1 risk-based capital ratio | 12.3300% | 4,307 |
| Total risk-based capital ratio | 13.5814% | 4,219 |
| Memoranda: | ||
| Average total assets | $125,980,600 | 3,808 |
| Average earning assets | $118,941,400 | 3,764 |
| Average equity | $11,601,600 | 4,205 |
| Average total loans | $112,997,600 | 3,141 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 1,391 |
| Cost of funding earning assets | 0.7615% | 719 |
| Net interest margin | 3.8311% | 2,281 |
| Noninterest income to average assets | 0.3465% | 4,064 |
| Noninterest expense to average assets | 3.0325% | 2,022 |
| Loan and lease loss provision to assets | 0.0436% | 3,232 |
| Net operating income to assets | 0.6314% | 4,270 |
| Return on assets (ROA) | 0.6314% | 4,323 |
| Pretax return on assets | 0.8854% | 4,084 |
| Return on Equity (ROE) | 6.8620% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.8108% | 2,370 |
| Net charge-offs to loans | 0.0343% | 2,744 |
| Credit loss provision to net charge-offs | 141.3793% | 1,763 |
| Earnings coverage of net charge-offs (x) | 30.1345% | 1,548 |
| Efficiency ratio | 76.5495% | 1,517 |
| Assets per employee ($millions) | 3.3801% | 4,879 |
| Cash dividends to net income (ytd only)* | 15.3198% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,581 |
| Loan loss allowance to noncurrent loans | 168.7752% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,783 |
| Noncurrent loans to loans | 0.6426% | 2,785 |
| Net loans and leases to total assets | 89.0496% | 112 |
| Net loans and leases to deposits | 109.3752% | 298 |
| Net loans and leases to core deposits | 126.9597% | 387 |
| Total domestic deposits to total assets | 81.4167% | 3,941 |
| Equity capital to assets | 9.2897% | 4,653 |
| Core capital (leverage) ratio | 9.3572% | 4,340 |
| Tier 1 risk-based capital ratio | 12.3442% | 4,409 |
| Total risk-based capital ratio | 13.5946% | 4,322 |
| Memoranda: | ||
| Average total assets | $125,438,750 | 3,857 |
| Average earning assets | $118,360,500 | 3,814 |
| Average equity | $11,541,500 | 4,261 |
| Average total loans | $112,746,750 | 3,177 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 1,275 |
| Cost of funding earning assets | 0.7274% | 773 |
| Net interest margin | 3.8619% | 2,056 |
| Noninterest income to average assets | 0.3584% | 3,997 |
| Noninterest expense to average assets | 3.0602% | 1,938 |
| Loan and lease loss provision to assets | 0.0659% | 2,654 |
| Net operating income to assets | 0.6477% | 4,095 |
| Return on assets (ROA) | 0.6477% | 4,144 |
| Pretax return on assets | 0.8759% | 4,010 |
| Return on Equity (ROE) | 7.0632% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.4682% | 2,429 |
| Net charge-offs to loans | 0.0483% | 2,249 |
| Credit loss provision to net charge-offs | 151.8519% | 1,506 |
| Earnings coverage of net charge-offs (x) | 21.7037% | 1,739 |
| Efficiency ratio | 76.4659% | 1,645 |
| Assets per employee ($millions) | 3.3484% | 4,924 |
| Cash dividends to net income (ytd only)* | 22.5806% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,590 |
| Loan loss allowance to noncurrent loans | 167.9144% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 2,809 |
| Noncurrent loans to loans | 0.6546% | 2,780 |
| Net loans and leases to total assets | 88.8149% | 114 |
| Net loans and leases to deposits | 112.7778% | 211 |
| Net loans and leases to core deposits | 131.3585% | 285 |
| Total domestic deposits to total assets | 78.7521% | 4,678 |
| Equity capital to assets | 9.1676% | 4,747 |
| Core capital (leverage) ratio | 9.3366% | 4,316 |
| Tier 1 risk-based capital ratio | 12.0801% | 4,581 |
| Total risk-based capital ratio | 13.3306% | 4,453 |
| Memoranda: | ||
| Average total assets | $124,437,330 | 3,888 |
| Average earning assets | $117,402,330 | 3,850 |
| Average equity | $11,411,330 | 4,292 |
| Average total loans | $111,785,000 | 3,196 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 1,226 |
| Cost of funding earning assets | 0.7167% | 773 |
| Net interest margin | 3.8455% | 1,966 |
| Noninterest income to average assets | 0.3251% | 4,216 |
| Noninterest expense to average assets | 3.1308% | 1,787 |
| Loan and lease loss provision to assets | 0.0650% | 2,500 |
| Net operating income to assets | 0.5462% | 4,398 |
| Return on assets (ROA) | 0.5462% | 4,440 |
| Pretax return on assets | 0.7575% | 4,265 |
| Return on Equity (ROE) | 5.9551% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.9551% | 2,367 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1941% | 1,464 |
| Assets per employee ($millions) | 3.1867% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 3,505 |
| Loan loss allowance to noncurrent loans | 110.0174% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 1,904 |
| Noncurrent loans to loans | 1.0292% | 2,001 |
| Net loans and leases to total assets | 88.7360% | 90 |
| Net loans and leases to deposits | 108.5827% | 249 |
| Net loans and leases to core deposits | 126.3629% | 316 |
| Total domestic deposits to total assets | 81.7221% | 4,241 |
| Equity capital to assets | 9.1535% | 4,659 |
| Core capital (leverage) ratio | 9.2140% | 4,463 |
| Tier 1 risk-based capital ratio | 11.9294% | 4,766 |
| Total risk-based capital ratio | 13.1810% | 4,663 |
| Memoranda: | ||
| Average total assets | $123,035,500 | 3,949 |
| Average earning assets | $116,083,500 | 3,917 |
| Average equity | $11,284,500 | 4,338 |
| Average total loans | $110,545,000 | 3,242 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 1,461 |
| Cost of funding earning assets | 0.6449% | 1,083 |
| Net interest margin | 3.8801% | 2,032 |
| Noninterest income to average assets | 0.4324% | 3,662 |
| Noninterest expense to average assets | 3.2355% | 1,715 |
| Loan and lease loss provision to assets | 0.0691% | 2,972 |
| Net operating income to assets | 0.5586% | 4,399 |
| Return on assets (ROA) | 0.5586% | 4,504 |
| Pretax return on assets | 0.7761% | 4,254 |
| Return on Equity (ROE) | 5.9212% | 4,019 |
| Retained earnings to average equity (ytd only) | 2.0973% | 4,345 |
| Net charge-offs to loans | 0.0383% | 3,262 |
| Credit loss provision to net charge-offs | 202.5000% | 1,400 |
| Earnings coverage of net charge-offs (x) | 24.7750% | 1,619 |
| Efficiency ratio | 79.2894% | 1,514 |
| Assets per employee ($millions) | 3.1228% | 5,242 |
| Cash dividends to net income (ytd only)* | 64.5802% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,517 |
| Loan loss allowance to noncurrent loans | 71.3138% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4747% | 1,147 |
| Noncurrent loans to loans | 1.5911% | 1,239 |
| Net loans and leases to total assets | 88.9252% | 100 |
| Net loans and leases to deposits | 110.2501% | 223 |
| Net loans and leases to core deposits | 121.6726% | 439 |
| Total domestic deposits to total assets | 80.6577% | 4,421 |
| Equity capital to assets | 9.1904% | 4,592 |
| Core capital (leverage) ratio | 9.2143% | 4,458 |
| Tier 1 risk-based capital ratio | 11.8178% | 4,848 |
| Total risk-based capital ratio | 13.0689% | 4,745 |
| Memoranda: | ||
| Average total assets | $117,260,000 | 4,041 |
| Average earning assets | $110,254,600 | 4,003 |
| Average equity | $11,062,000 | 4,418 |
| Average total loans | $104,466,000 | 3,307 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 1,498 |
| Cost of funding earning assets | 0.6283% | 1,150 |
| Net interest margin | 3.8832% | 2,041 |
| Noninterest income to average assets | 0.4558% | 3,519 |
| Noninterest expense to average assets | 3.2607% | 1,650 |
| Loan and lease loss provision to assets | 0.0758% | 2,708 |
| Net operating income to assets | 0.5603% | 4,456 |
| Return on assets (ROA) | 0.5603% | 4,560 |
| Pretax return on assets | 0.7670% | 4,419 |
| Return on Equity (ROE) | 5.8993% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.3365% | 3,897 |
| Net charge-offs to loans | 0.0517% | 2,628 |
| Credit loss provision to net charge-offs | 165.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 18.3506% | 1,998 |
| Efficiency ratio | 79.4628% | 1,501 |
| Assets per employee ($millions) | 3.1058% | 5,284 |
| Cash dividends to net income (ytd only)* | 43.4427% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,669 |
| Loan loss allowance to noncurrent loans | 80.4063% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 1,471 |
| Noncurrent loans to loans | 1.4062% | 1,561 |
| Net loans and leases to total assets | 88.5773% | 109 |
| Net loans and leases to deposits | 112.6994% | 210 |
| Net loans and leases to core deposits | 124.4978% | 401 |
| Total domestic deposits to total assets | 78.5960% | 4,810 |
| Equity capital to assets | 9.2366% | 4,937 |
| Core capital (leverage) ratio | 9.3801% | 4,355 |
| Tier 1 risk-based capital ratio | 11.8230% | 4,903 |
| Total risk-based capital ratio | 13.0735% | 4,799 |
| Memoranda: | ||
| Average total assets | $116,127,500 | 4,087 |
| Average earning assets | $109,081,500 | 4,051 |
| Average equity | $11,029,250 | 4,463 |
| Average total loans | $103,196,250 | 3,338 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 1,464 |
| Cost of funding earning assets | 0.6199% | 1,196 |
| Net interest margin | 3.9000% | 1,977 |
| Noninterest income to average assets | 0.4386% | 3,606 |
| Noninterest expense to average assets | 3.3112% | 1,572 |
| Loan and lease loss provision to assets | 0.0804% | 2,532 |
| Net operating income to assets | 0.5277% | 4,570 |
| Return on assets (ROA) | 0.5277% | 4,689 |
| Pretax return on assets | 0.7077% | 4,593 |
| Return on Equity (ROE) | 5.5028% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.6399% | 4,727 |
| Net charge-offs to loans | 0.0887% | 1,958 |
| Credit loss provision to net charge-offs | 102.2222% | 2,064 |
| Earnings coverage of net charge-offs (x) | 10.0222% | 2,362 |
| Efficiency ratio | 80.7758% | 1,404 |
| Assets per employee ($millions) | 3.0013% | 5,432 |
| Cash dividends to net income (ytd only)* | 70.1987% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 3,603 |
| Loan loss allowance to noncurrent loans | 130.9368% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9184% | 2,319 |
| Noncurrent loans to loans | 0.8830% | 2,529 |
| Net loans and leases to total assets | 87.7891% | 147 |
| Net loans and leases to deposits | 113.2569% | 187 |
| Net loans and leases to core deposits | 125.3345% | 384 |
| Total domestic deposits to total assets | 77.5132% | 5,082 |
| Equity capital to assets | 9.4019% | 4,865 |
| Core capital (leverage) ratio | 9.4731% | 4,238 |
| Tier 1 risk-based capital ratio | 11.9782% | 4,838 |
| Total risk-based capital ratio | 13.2293% | 4,754 |
| Memoranda: | ||
| Average total assets | $114,461,000 | 4,146 |
| Average earning assets | $107,436,330 | 4,107 |
| Average equity | $10,976,330 | 4,497 |
| Average total loans | $101,422,330 | 3,382 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,278 |
| Cost of funding earning assets | 0.6334% | 1,135 |
| Net interest margin | 3.9624% | 1,733 |
| Noninterest income to average assets | 0.4312% | 3,607 |
| Noninterest expense to average assets | 3.3932% | 1,393 |
| Loan and lease loss provision to assets | 0.0707% | 2,538 |
| Net operating income to assets | 0.5726% | 4,300 |
| Return on assets (ROA) | 0.5726% | 4,416 |
| Pretax return on assets | 0.6822% | 4,582 |
| Return on Equity (ROE) | 5.9113% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.9113% | 2,418 |
| Net charge-offs to loans | 0.0719% | 1,761 |
| Credit loss provision to net charge-offs | 111.1111% | 1,504 |
| Earnings coverage of net charge-offs (x) | 11.8333% | 1,838 |
| Efficiency ratio | 81.8414% | 1,383 |
| Assets per employee ($millions) | 2.8549% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 3,566 |
| Loan loss allowance to noncurrent loans | 138.9145% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 2,444 |
| Noncurrent loans to loans | 0.8536% | 2,712 |
| Net loans and leases to total assets | 87.7892% | 125 |
| Net loans and leases to deposits | 110.4440% | 218 |
| Net loans and leases to core deposits | 120.9624% | 441 |
| Total domestic deposits to total assets | 79.4875% | 4,858 |
| Equity capital to assets | 9.6704% | 4,480 |
| Core capital (leverage) ratio | 9.5974% | 4,038 |
| Tier 1 risk-based capital ratio | 12.4287% | 4,632 |
| Total risk-based capital ratio | 13.6801% | 4,532 |
| Memoranda: | ||
| Average total assets | $113,166,000 | 4,198 |
| Average earning assets | $106,098,000 | 4,159 |
| Average equity | $10,962,000 | 4,517 |
| Average total loans | $100,153,500 | 3,420 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 1,638 |
| Cost of funding earning assets | 0.7671% | 589 |
| Net interest margin | 3.7200% | 2,678 |
| Noninterest income to average assets | 0.3883% | 4,122 |
| Noninterest expense to average assets | 3.3036% | 1,708 |
| Loan and lease loss provision to assets | 0.0936% | 2,441 |
| Net operating income to assets | 0.3571% | 5,192 |
| Return on assets (ROA) | 0.3571% | 5,277 |
| Pretax return on assets | 0.4764% | 5,161 |
| Return on Equity (ROE) | 3.7306% | 5,054 |
| Retained earnings to average equity (ytd only) | 0.1534% | 5,446 |
| Net charge-offs to loans | -0.0156% | 5,211 |
| Credit loss provision to net charge-offs | -680.0000% | 5,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2844% | 1,064 |
| Assets per employee ($millions) | 2.8035% | 5,703 |
| Cash dividends to net income (ytd only)* | 95.8869% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 3,388 |
| Loan loss allowance to noncurrent loans | 165.4270% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 2,705 |
| Noncurrent loans to loans | 0.7344% | 2,976 |
| Net loans and leases to total assets | 87.0829% | 164 |
| Net loans and leases to deposits | 109.9560% | 242 |
| Net loans and leases to core deposits | 120.5057% | 463 |
| Total domestic deposits to total assets | 79.1980% | 4,935 |
| Equity capital to assets | 9.7032% | 4,300 |
| Core capital (leverage) ratio | 9.3580% | 4,387 |
| Tier 1 risk-based capital ratio | 12.6905% | 4,514 |
| Total risk-based capital ratio | 13.9427% | 4,419 |
| Memoranda: | ||
| Average total assets | $108,943,200 | 4,279 |
| Average earning assets | $102,069,000 | 4,241 |
| Average equity | $10,427,400 | 4,581 |
| Average total loans | $96,230,400 | 3,453 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,662 |
| Cost of funding earning assets | 0.7762% | 573 |
| Net interest margin | 3.7035% | 2,754 |
| Noninterest income to average assets | 0.3970% | 4,106 |
| Noninterest expense to average assets | 3.2980% | 1,696 |
| Loan and lease loss provision to assets | 0.0999% | 2,180 |
| Net operating income to assets | 0.3600% | 5,288 |
| Return on assets (ROA) | 0.3600% | 5,372 |
| Pretax return on assets | 0.4697% | 5,296 |
| Return on Equity (ROE) | 3.7747% | 5,115 |
| Retained earnings to average equity (ytd only) | 1.9132% | 4,928 |
| Net charge-offs to loans | -0.0209% | 5,223 |
| Credit loss provision to net charge-offs | -540.0000% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2726% | 1,059 |
| Assets per employee ($millions) | 2.7605% | 5,792 |
| Cash dividends to net income (ytd only)* | 49.3168% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 3,673 |
| Loan loss allowance to noncurrent loans | 85.6935% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 1,655 |
| Noncurrent loans to loans | 1.3982% | 1,821 |
| Net loans and leases to total assets | 88.1260% | 131 |
| Net loans and leases to deposits | 111.8793% | 215 |
| Net loans and leases to core deposits | 121.3198% | 437 |
| Total domestic deposits to total assets | 78.7689% | 5,036 |
| Equity capital to assets | 9.9803% | 4,175 |
| Core capital (leverage) ratio | 10.0315% | 3,578 |
| Tier 1 risk-based capital ratio | 12.8576% | 4,522 |
| Total risk-based capital ratio | 14.1098% | 4,433 |
| Memoranda: | ||
| Average total assets | $108,144,500 | 4,340 |
| Average earning assets | $101,342,250 | 4,297 |
| Average equity | $10,314,000 | 4,650 |
| Average total loans | $95,574,500 | 3,496 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 1,625 |
| Cost of funding earning assets | 0.7717% | 581 |
| Net interest margin | 3.6995% | 2,712 |
| Noninterest income to average assets | 0.3948% | 4,115 |
| Noninterest expense to average assets | 3.3263% | 1,634 |
| Loan and lease loss provision to assets | 0.1136% | 1,940 |
| Net operating income to assets | 0.3259% | 5,366 |
| Return on assets (ROA) | 0.3259% | 5,464 |
| Pretax return on assets | 0.4190% | 5,426 |
| Return on Equity (ROE) | 3.4727% | 5,241 |
| Retained earnings to average equity (ytd only) | 0.6152% | 5,315 |
| Net charge-offs to loans | -0.0381% | 5,428 |
| Credit loss provision to net charge-offs | -338.8889% | 5,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1969% | 1,045 |
| Assets per employee ($millions) | 2.6899% | 5,925 |
| Cash dividends to net income (ytd only)* | 82.2857% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 3,718 |
| Loan loss allowance to noncurrent loans | 50.0861% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.4471% | 783 |
| Noncurrent loans to loans | 2.4213% | 931 |
| Net loans and leases to total assets | 88.0460% | 139 |
| Net loans and leases to deposits | 110.3714% | 254 |
| Net loans and leases to core deposits | 119.7316% | 474 |
| Total domestic deposits to total assets | 79.7725% | 4,913 |
| Equity capital to assets | 10.1351% | 3,889 |
| Core capital (leverage) ratio | 10.0296% | 3,551 |
| Tier 1 risk-based capital ratio | 12.8805% | 4,583 |
| Total risk-based capital ratio | 14.1326% | 4,499 |
| Memoranda: | ||
| Average total assets | $107,386,670 | 4,395 |
| Average earning assets | $100,553,670 | 4,356 |
| Average equity | $10,078,670 | 4,735 |
| Average total loans | $94,603,670 | 3,540 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 1,632 |
| Cost of funding earning assets | 0.7761% | 573 |
| Net interest margin | 3.6654% | 2,752 |
| Noninterest income to average assets | 0.3169% | 4,653 |
| Noninterest expense to average assets | 3.3407% | 1,616 |
| Loan and lease loss provision to assets | 0.1491% | 1,363 |
| Net operating income to assets | 0.2088% | 5,665 |
| Return on assets (ROA) | 0.2088% | 5,754 |
| Pretax return on assets | 0.2610% | 5,729 |
| Return on Equity (ROE) | 2.3175% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.3175% | 4,531 |
| Net charge-offs to loans | -0.0894% | 5,809 |
| Credit loss provision to net charge-offs | -190.4762% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0656% | 931 |
| Assets per employee ($millions) | 2.6622% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,924 |
| Loan loss allowance to noncurrent loans | 170.5357% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 2,848 |
| Noncurrent loans to loans | 0.7090% | 3,498 |
| Net loans and leases to total assets | 87.9346% | 109 |
| Net loans and leases to deposits | 109.5117% | 227 |
| Net loans and leases to core deposits | 126.5686% | 290 |
| Total domestic deposits to total assets | 80.2969% | 4,993 |
| Equity capital to assets | 9.1730% | 5,122 |
| Core capital (leverage) ratio | 8.8729% | 5,106 |
| Tier 1 risk-based capital ratio | 11.1797% | 5,723 |
| Total risk-based capital ratio | 12.4306% | 5,637 |
| Memoranda: | ||
| Average total assets | $107,282,000 | 4,429 |
| Average earning assets | $100,507,000 | 4,388 |
| Average equity | $9,665,500 | 4,853 |
| Average total loans | $93,957,000 | 3,562 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 1,967 |
| Cost of funding earning assets | 0.7479% | 859 |
| Net interest margin | 3.7294% | 2,882 |
| Noninterest income to average assets | 0.3946% | 4,229 |
| Noninterest expense to average assets | 3.2276% | 2,137 |
| Loan and lease loss provision to assets | 0.1459% | 1,809 |
| Net operating income to assets | 0.3629% | 5,347 |
| Return on assets (ROA) | 0.3629% | 5,420 |
| Pretax return on assets | 0.5059% | 5,236 |
| Return on Equity (ROE) | 3.9428% | 5,139 |
| Retained earnings to average equity (ytd only) | 0.1565% | 5,705 |
| Net charge-offs to loans | 0.0915% | 3,188 |
| Credit loss provision to net charge-offs | 185.3659% | 1,319 |
| Earnings coverage of net charge-offs (x) | 8.2805% | 2,904 |
| Efficiency ratio | 83.1972% | 1,496 |
| Assets per employee ($millions) | 2.7020% | 6,023 |
| Cash dividends to net income (ytd only)* | 96.0317% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 4,196 |
| Loan loss allowance to noncurrent loans | 190.6854% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7855% | 3,243 |
| Noncurrent loans to loans | 0.6110% | 3,848 |
| Net loans and leases to total assets | 85.1653% | 268 |
| Net loans and leases to deposits | 101.0806% | 565 |
| Net loans and leases to core deposits | 117.7754% | 476 |
| Total domestic deposits to total assets | 84.2549% | 3,607 |
| Equity capital to assets | 8.8482% | 5,429 |
| Core capital (leverage) ratio | 8.6731% | 5,366 |
| Tier 1 risk-based capital ratio | 11.3960% | 5,721 |
| Total risk-based capital ratio | 12.6467% | 5,642 |
| Memoranda: | ||
| Average total assets | $104,163,000 | 4,499 |
| Average earning assets | $97,333,400 | 4,467 |
| Average equity | $9,587,200 | 4,845 |
| Average total loans | $89,584,000 | 3,639 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 1,946 |
| Cost of funding earning assets | 0.7446% | 915 |
| Net interest margin | 3.7355% | 2,870 |
| Noninterest income to average assets | 0.4122% | 4,158 |
| Noninterest expense to average assets | 3.2239% | 2,110 |
| Loan and lease loss provision to assets | 0.1473% | 1,700 |
| Net operating income to assets | 0.3812% | 5,316 |
| Return on assets (ROA) | 0.3812% | 5,395 |
| Pretax return on assets | 0.5285% | 5,242 |
| Return on Equity (ROE) | 4.1000% | 5,131 |
| Retained earnings to average equity (ytd only) | 1.6539% | 5,223 |
| Net charge-offs to loans | 0.1233% | 2,578 |
| Credit loss provision to net charge-offs | 139.0244% | 1,689 |
| Earnings coverage of net charge-offs (x) | 6.3781% | 3,094 |
| Efficiency ratio | 82.6706% | 1,529 |
| Assets per employee ($millions) | 2.7171% | 6,069 |
| Cash dividends to net income (ytd only)* | 59.6613% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 4,563 |
| Loan loss allowance to noncurrent loans | 162.4224% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8493% | 3,290 |
| Noncurrent loans to loans | 0.7013% | 3,854 |
| Net loans and leases to total assets | 83.5319% | 362 |
| Net loans and leases to deposits | 98.4600% | 704 |
| Net loans and leases to core deposits | 116.4821% | 487 |
| Total domestic deposits to total assets | 84.8385% | 3,404 |
| Equity capital to assets | 8.8956% | 5,463 |
| Core capital (leverage) ratio | 8.9379% | 5,140 |
| Tier 1 risk-based capital ratio | 11.4954% | 5,794 |
| Total risk-based capital ratio | 12.7458% | 5,724 |
| Memoranda: | ||
| Average total assets | $103,184,250 | 4,567 |
| Average earning assets | $96,334,250 | 4,541 |
| Average equity | $9,593,250 | 4,874 |
| Average total loans | $88,697,500 | 3,689 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,811 |
| Cost of funding earning assets | 0.7403% | 967 |
| Net interest margin | 3.7649% | 2,695 |
| Noninterest income to average assets | 0.4124% | 4,151 |
| Noninterest expense to average assets | 3.2580% | 2,021 |
| Loan and lease loss provision to assets | 0.1480% | 1,670 |
| Net operating income to assets | 0.3887% | 5,268 |
| Return on assets (ROA) | 0.3887% | 5,337 |
| Pretax return on assets | 0.5190% | 5,227 |
| Return on Equity (ROE) | 4.1178% | 5,093 |
| Retained earnings to average equity (ytd only) | 0.4389% | 5,568 |
| Net charge-offs to loans | 0.1848% | 1,919 |
| Credit loss provision to net charge-offs | 92.5926% | 2,135 |
| Earnings coverage of net charge-offs (x) | 4.1728% | 3,164 |
| Efficiency ratio | 83.0065% | 1,629 |
| Assets per employee ($millions) | 2.5937% | 6,218 |
| Cash dividends to net income (ytd only)* | 89.3401% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 4,920 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 4,228 |
| Noncurrent loans to loans | 0.3528% | 4,941 |
| Net loans and leases to total assets | 85.4092% | 218 |
| Net loans and leases to deposits | 102.2942% | 431 |
| Net loans and leases to core deposits | 121.4189% | 345 |
| Total domestic deposits to total assets | 83.4937% | 4,112 |
| Equity capital to assets | 8.9928% | 5,307 |
| Core capital (leverage) ratio | 9.2865% | 4,609 |
| Tier 1 risk-based capital ratio | 11.4880% | 5,810 |
| Total risk-based capital ratio | 12.7277% | 5,765 |
| Memoranda: | ||
| Average total assets | $101,351,330 | 4,648 |
| Average earning assets | $94,558,330 | 4,624 |
| Average equity | $9,568,330 | 4,896 |
| Average total loans | $87,653,000 | 3,727 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 1,669 |
| Cost of funding earning assets | 0.7600% | 929 |
| Net interest margin | 3.7826% | 2,541 |
| Noninterest income to average assets | 0.3480% | 4,591 |
| Noninterest expense to average assets | 3.4191% | 1,652 |
| Loan and lease loss provision to assets | 0.1538% | 1,578 |
| Net operating income to assets | 0.2185% | 5,749 |
| Return on assets (ROA) | 0.2185% | 5,801 |
| Pretax return on assets | 0.2994% | 5,722 |
| Return on Equity (ROE) | 2.2568% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.2568% | 4,701 |
| Net charge-offs to loans | 0.2337% | 1,390 |
| Credit loss provision to net charge-offs | 76.0000% | 1,947 |
| Earnings coverage of net charge-offs (x) | 2.2400% | 2,924 |
| Efficiency ratio | 88.2968% | 1,196 |
| Assets per employee ($millions) | 2.4442% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 4,867 |
| Loan loss allowance to noncurrent loans | 478.9474% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 4,561 |
| Noncurrent loans to loans | 0.2404% | 5,384 |
| Net loans and leases to total assets | 85.7730% | 152 |
| Net loans and leases to deposits | 104.7504% | 266 |
| Net loans and leases to core deposits | 117.8534% | 369 |
| Total domestic deposits to total assets | 81.8832% | 4,977 |
| Equity capital to assets | 9.5828% | 4,381 |
| Core capital (leverage) ratio | 9.6910% | 4,008 |
| Tier 1 risk-based capital ratio | 12.0867% | 5,581 |
| Total risk-based capital ratio | 13.3368% | 5,520 |
| Memoranda: | ||
| Average total assets | $98,856,500 | 4,759 |
| Average earning assets | $92,106,500 | 4,726 |
| Average equity | $9,571,000 | 4,918 |
| Average total loans | $85,563,000 | 3,811 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 1,427 |
| Cost of funding earning assets | 0.9281% | 646 |
| Net interest margin | 3.8276% | 2,545 |
| Noninterest income to average assets | 0.4958% | 3,789 |
| Noninterest expense to average assets | 3.2654% | 2,235 |
| Loan and lease loss provision to assets | 0.1762% | 2,097 |
| Net operating income to assets | 0.4497% | 4,955 |
| Return on assets (ROA) | 0.4497% | 5,081 |
| Pretax return on assets | 0.6279% | 4,778 |
| Return on Equity (ROE) | 4.5808% | 4,846 |
| Retained earnings to average equity (ytd only) | 0.9391% | 5,414 |
| Net charge-offs to loans | 0.0468% | 4,569 |
| Credit loss provision to net charge-offs | 452.6316% | 508 |
| Earnings coverage of net charge-offs (x) | 20.6579% | 1,538 |
| Efficiency ratio | 80.2416% | 2,115 |
| Assets per employee ($millions) | 2.4376% | 6,436 |
| Cash dividends to net income (ytd only)* | 79.4989% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 4,634 |
| Loan loss allowance to noncurrent loans | 165.1466% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 3,982 |
| Noncurrent loans to loans | 0.7295% | 4,139 |
| Net loans and leases to total assets | 85.2875% | 189 |
| Net loans and leases to deposits | 104.1533% | 317 |
| Net loans and leases to core deposits | 112.8700% | 502 |
| Total domestic deposits to total assets | 81.8865% | 4,912 |
| Equity capital to assets | 9.7834% | 4,059 |
| Core capital (leverage) ratio | 9.3545% | 4,467 |
| Tier 1 risk-based capital ratio | 12.3149% | 5,421 |
| Total risk-based capital ratio | 13.5660% | 5,341 |
| Memoranda: | ||
| Average total assets | $97,629,800 | 4,802 |
| Average earning assets | $91,152,600 | 4,743 |
| Average equity | $9,583,400 | 4,951 |
| Average total loans | $81,227,200 | 3,898 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 1,292 |
| Cost of funding earning assets | 0.9446% | 662 |
| Net interest margin | 3.8808% | 2,341 |
| Noninterest income to average assets | 0.5420% | 3,510 |
| Noninterest expense to average assets | 3.2219% | 2,295 |
| Loan and lease loss provision to assets | 0.1652% | 2,194 |
| Net operating income to assets | 0.5529% | 4,574 |
| Return on assets (ROA) | 0.5529% | 4,719 |
| Pretax return on assets | 0.7782% | 4,388 |
| Return on Equity (ROE) | 5.6281% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.2379% | 4,376 |
| Net charge-offs to loans | 0.0447% | 4,267 |
| Credit loss provision to net charge-offs | 448.1481% | 593 |
| Earnings coverage of net charge-offs (x) | 25.5919% | 1,381 |
| Efficiency ratio | 77.3517% | 2,506 |
| Assets per employee ($millions) | 2.5595% | 6,418 |
| Cash dividends to net income (ytd only)* | 42.4693% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 4,941 |
| Loan loss allowance to noncurrent loans | 230.0236% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 4,845 |
| Noncurrent loans to loans | 0.5145% | 4,904 |
| Net loans and leases to total assets | 81.3887% | 416 |
| Net loans and leases to deposits | 97.7806% | 583 |
| Net loans and leases to core deposits | 107.6708% | 680 |
| Total domestic deposits to total assets | 83.2360% | 4,489 |
| Equity capital to assets | 9.6984% | 4,305 |
| Core capital (leverage) ratio | 9.6424% | 4,182 |
| Tier 1 risk-based capital ratio | 12.8393% | 5,232 |
| Total risk-based capital ratio | 14.0897% | 5,173 |
| Memoranda: | ||
| Average total assets | $97,661,750 | 4,842 |
| Average earning assets | $91,181,250 | 4,782 |
| Average equity | $9,594,500 | 5,006 |
| Average total loans | $80,491,250 | 3,960 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 2,088 |
| Cost of funding earning assets | 0.9556% | 698 |
| Net interest margin | 3.5747% | 3,469 |
| Noninterest income to average assets | 0.5075% | 3,781 |
| Noninterest expense to average assets | 3.1689% | 2,446 |
| Loan and lease loss provision to assets | 0.1671% | 2,240 |
| Net operating income to assets | 0.3961% | 5,233 |
| Return on assets (ROA) | 0.3961% | 5,396 |
| Pretax return on assets | 0.5055% | 5,353 |
| Return on Equity (ROE) | 4.0144% | 5,211 |
| Retained earnings to average equity (ytd only) | 0.4182% | 5,727 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4919% | 1,822 |
| Assets per employee ($millions) | 2.3920% | 6,581 |
| Cash dividends to net income (ytd only)* | 89.5833% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,197 |
| Loan loss allowance to noncurrent loans | 53.3889% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.9476% | 2,227 |
| Noncurrent loans to loans | 2.1702% | 2,213 |
| Net loans and leases to total assets | 83.5934% | 260 |
| Net loans and leases to deposits | 99.0061% | 478 |
| Net loans and leases to core deposits | 108.6807% | 619 |
| Total domestic deposits to total assets | 84.4325% | 4,153 |
| Equity capital to assets | 9.6768% | 4,345 |
| Core capital (leverage) ratio | 9.5926% | 4,091 |
| Tier 1 risk-based capital ratio | 12.5829% | 5,442 |
| Total risk-based capital ratio | 13.8335% | 5,383 |
| Memoranda: | ||
| Average total assets | $96,942,000 | 4,884 |
| Average earning assets | $90,414,000 | 4,833 |
| Average equity | $9,565,670 | 5,047 |
| Average total loans | $79,916,330 | 3,984 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,123 |
| Cost of funding earning assets | 0.9692% | 710 |
| Net interest margin | 3.5433% | 3,505 |
| Noninterest income to average assets | 0.4192% | 4,317 |
| Noninterest expense to average assets | 3.1750% | 2,433 |
| Loan and lease loss provision to assets | 0.1660% | 2,201 |
| Net operating income to assets | 0.2864% | 5,608 |
| Return on assets (ROA) | 0.2864% | 5,727 |
| Pretax return on assets | 0.3860% | 5,609 |
| Return on Equity (ROE) | 2.8740% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.8740% | 4,559 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1893% | 1,624 |
| Assets per employee ($millions) | 2.5667% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 5,363 |
| Loan loss allowance to noncurrent loans | 104.0724% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 3,890 |
| Noncurrent loans to loans | 1.1153% | 3,918 |
| Net loans and leases to total assets | 80.3219% | 401 |
| Net loans and leases to deposits | 95.6207% | 562 |
| Net loans and leases to core deposits | 104.8039% | 687 |
| Total domestic deposits to total assets | 84.0006% | 4,478 |
| Equity capital to assets | 9.8795% | 4,303 |
| Core capital (leverage) ratio | 9.8631% | 3,586 |
| Tier 1 risk-based capital ratio | 13.1856% | 5,072 |
| Total risk-based capital ratio | 14.4363% | 5,027 |
| Memoranda: | ||
| Average total assets | $96,378,000 | 4,945 |
| Average earning assets | $89,973,000 | 4,887 |
| Average equity | $9,603,500 | 5,087 |
| Average total loans | $78,404,000 | 4,055 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 1,995 |
| Cost of funding earning assets | 1.1292% | 811 |
| Net interest margin | 3.7288% | 3,527 |
| Noninterest income to average assets | 0.4013% | 4,601 |
| Noninterest expense to average assets | 3.0507% | 3,090 |
| Loan and lease loss provision to assets | 0.1524% | 3,707 |
| Net operating income to assets | 0.4743% | 4,785 |
| Return on assets (ROA) | 0.4743% | 5,038 |
| Pretax return on assets | 0.6567% | 4,805 |
| Return on Equity (ROE) | 5.1643% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.4605% | 5,138 |
| Net charge-offs to loans | 0.0420% | 5,332 |
| Credit loss provision to net charge-offs | 443.7500% | 547 |
| Earnings coverage of net charge-offs (x) | 23.5625% | 1,215 |
| Efficiency ratio | 79.0381% | 2,269 |
| Assets per employee ($millions) | 2.4416% | 6,665 |
| Cash dividends to net income (ytd only)* | 71.7195% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,424 |
| Loan loss allowance to noncurrent loans | 98.5426% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.1332% | 3,764 |
| Noncurrent loans to loans | 1.1503% | 3,926 |
| Net loans and leases to total assets | 80.5148% | 423 |
| Net loans and leases to deposits | 96.0426% | 611 |
| Net loans and leases to core deposits | 105.1558% | 728 |
| Total domestic deposits to total assets | 83.8323% | 4,390 |
| Equity capital to assets | 10.0514% | 4,101 |
| Core capital (leverage) ratio | 9.6907% | 3,817 |
| Tier 1 risk-based capital ratio | 13.3211% | 4,883 |
| Total risk-based capital ratio | 14.5711% | 4,827 |
| Memoranda: | ||
| Average total assets | $93,191,200 | 4,999 |
| Average earning assets | $86,434,800 | 4,952 |
| Average equity | $8,558,800 | 5,348 |
| Average total loans | $76,168,800 | 4,147 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 2,003 |
| Cost of funding earning assets | 1.1516% | 857 |
| Net interest margin | 3.7501% | 3,553 |
| Noninterest income to average assets | 0.3668% | 4,896 |
| Noninterest expense to average assets | 3.0440% | 3,078 |
| Loan and lease loss provision to assets | 0.1525% | 3,626 |
| Net operating income to assets | 0.4546% | 5,020 |
| Return on assets (ROA) | 0.4546% | 5,262 |
| Pretax return on assets | 0.6416% | 5,046 |
| Return on Equity (ROE) | 5.0726% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.0661% | 4,716 |
| Net charge-offs to loans | 0.0193% | 5,399 |
| Credit loss provision to net charge-offs | 963.6364% | 300 |
| Earnings coverage of net charge-offs (x) | 50.1691% | 754 |
| Efficiency ratio | 79.3103% | 2,196 |
| Assets per employee ($millions) | 2.4964% | 6,696 |
| Cash dividends to net income (ytd only)* | 39.5566% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,670 |
| Loan loss allowance to noncurrent loans | 118.0082% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 3,996 |
| Noncurrent loans to loans | 0.9419% | 4,553 |
| Net loans and leases to total assets | 79.0405% | 602 |
| Net loans and leases to deposits | 93.4463% | 831 |
| Net loans and leases to core deposits | 104.9307% | 812 |
| Total domestic deposits to total assets | 84.5839% | 3,938 |
| Equity capital to assets | 9.3941% | 5,346 |
| Core capital (leverage) ratio | 9.2513% | 4,676 |
| Tier 1 risk-based capital ratio | 12.6177% | 5,547 |
| Total risk-based capital ratio | 13.8625% | 5,513 |
| Memoranda: | ||
| Average total assets | $92,683,750 | 5,062 |
| Average earning assets | $85,790,500 | 5,025 |
| Average equity | $8,305,750 | 5,476 |
| Average total loans | $75,824,500 | 4,203 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 2,098 |
| Cost of funding earning assets | 1.1783% | 900 |
| Net interest margin | 3.7251% | 3,704 |
| Noninterest income to average assets | 0.4390% | 4,370 |
| Noninterest expense to average assets | 3.0420% | 3,120 |
| Loan and lease loss provision to assets | 0.1558% | 3,570 |
| Net operating income to assets | 0.4785% | 4,913 |
| Return on assets (ROA) | 0.4785% | 5,161 |
| Pretax return on assets | 0.6826% | 4,878 |
| Return on Equity (ROE) | 5.4326% | 4,612 |
| Retained earnings to average equity (ytd only) | 2.3176% | 5,035 |
| Net charge-offs to loans | 0.0213% | 5,104 |
| Credit loss provision to net charge-offs | 887.5000% | 367 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 761 |
| Efficiency ratio | 78.3937% | 2,410 |
| Assets per employee ($millions) | 2.4189% | 6,820 |
| Cash dividends to net income (ytd only)* | 57.3394% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 5,845 |
| Loan loss allowance to noncurrent loans | 72.4978% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.6780% | 3,202 |
| Noncurrent loans to loans | 1.4966% | 3,659 |
| Net loans and leases to total assets | 80.4986% | 450 |
| Net loans and leases to deposits | 94.4680% | 732 |
| Net loans and leases to core deposits | 106.3854% | 726 |
| Total domestic deposits to total assets | 85.2126% | 3,762 |
| Equity capital to assets | 8.7887% | 5,926 |
| Core capital (leverage) ratio | 8.7604% | 5,281 |
| Tier 1 risk-based capital ratio | 11.5635% | 6,182 |
| Total risk-based capital ratio | 12.7615% | 6,188 |
| Memoranda: | ||
| Average total assets | $91,125,330 | 5,134 |
| Average earning assets | $84,186,330 | 5,097 |
| Average equity | $8,025,670 | 5,567 |
| Average total loans | $75,160,000 | 4,246 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 1,922 |
| Cost of funding earning assets | 1.2224% | 883 |
| Net interest margin | 3.7690% | 3,522 |
| Noninterest income to average assets | 0.3664% | 4,941 |
| Noninterest expense to average assets | 3.0965% | 2,928 |
| Loan and lease loss provision to assets | 0.1564% | 3,424 |
| Net operating income to assets | 0.4468% | 5,049 |
| Return on assets (ROA) | 0.4468% | 5,240 |
| Pretax return on assets | 0.5853% | 5,161 |
| Return on Equity (ROE) | 5.0678% | 4,757 |
| Retained earnings to average equity (ytd only) | 5.0678% | 3,514 |
| Net charge-offs to loans | 0.0592% | 3,909 |
| Credit loss provision to net charge-offs | 318.1818% | 938 |
| Earnings coverage of net charge-offs (x) | 15.0909% | 1,435 |
| Efficiency ratio | 80.6752% | 2,122 |
| Assets per employee ($millions) | 2.4039% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 6,047 |
| Loan loss allowance to noncurrent loans | 67.0042% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 2,983 |
| Noncurrent loans to loans | 1.5816% | 3,741 |
| Net loans and leases to total assets | 81.1523% | 328 |
| Net loans and leases to deposits | 95.3037% | 581 |
| Net loans and leases to core deposits | 104.5615% | 737 |
| Total domestic deposits to total assets | 85.1513% | 3,959 |
| Equity capital to assets | 8.7063% | 5,866 |
| Core capital (leverage) ratio | 8.7538% | 5,193 |
| Tier 1 risk-based capital ratio | 11.3271% | 6,373 |
| Total risk-based capital ratio | 12.5078% | 6,392 |
| Memoranda: | ||
| Average total assets | $89,519,500 | 5,224 |
| Average earning assets | $82,462,500 | 5,182 |
| Average equity | $7,893,000 | 5,629 |
| Average total loans | $74,353,500 | 4,300 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 2,398 |
| Cost of funding earning assets | 1.4657% | 819 |
| Net interest margin | 3.6480% | 4,531 |
| Noninterest income to average assets | 0.4791% | 3,998 |
| Noninterest expense to average assets | 3.1955% | 2,886 |
| Loan and lease loss provision to assets | 0.1628% | 4,592 |
| Net operating income to assets | 0.4122% | 4,803 |
| Return on assets (ROA) | 0.5398% | 4,465 |
| Pretax return on assets | 0.6224% | 4,623 |
| Return on Equity (ROE) | 6.5330% | 3,624 |
| Retained earnings to average equity (ytd only) | 3.1625% | 3,971 |
| Net charge-offs to loans | 0.1264% | 5,131 |
| Credit loss provision to net charge-offs | 161.3636% | 1,710 |
| Earnings coverage of net charge-offs (x) | 6.3295% | 2,541 |
| Efficiency ratio | 83.3483% | 1,840 |
| Assets per employee ($millions) | 2.3077% | 7,007 |
| Cash dividends to net income (ytd only)* | 51.5924% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 6,021 |
| Loan loss allowance to noncurrent loans | 60.0156% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8326% | 3,209 |
| Noncurrent loans to loans | 1.7389% | 3,554 |
| Net loans and leases to total assets | 83.2605% | 253 |
| Net loans and leases to deposits | 98.9658% | 504 |
| Net loans and leases to core deposits | 109.1915% | 646 |
| Total domestic deposits to total assets | 84.1306% | 4,268 |
| Equity capital to assets | 8.9325% | 5,632 |
| Core capital (leverage) ratio | 8.8045% | 5,092 |
| Tier 1 risk-based capital ratio | 11.4004% | 6,215 |
| Total risk-based capital ratio | 12.5687% | 6,264 |
| Memoranda: | ||
| Average total assets | $87,246,800 | 5,254 |
| Average earning assets | $80,236,200 | 5,226 |
| Average equity | $7,209,600 | 5,803 |
| Average total loans | $69,608,400 | 4,506 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 2,588 |
| Cost of funding earning assets | 1.5222% | 791 |
| Net interest margin | 3.5816% | 4,845 |
| Noninterest income to average assets | 0.4927% | 3,927 |
| Noninterest expense to average assets | 3.1521% | 2,987 |
| Loan and lease loss provision to assets | 0.1622% | 4,440 |
| Net operating income to assets | 0.4728% | 4,665 |
| Return on assets (ROA) | 0.6687% | 3,947 |
| Pretax return on assets | 0.6687% | 4,580 |
| Return on Equity (ROE) | 8.2601% | 2,932 |
| Retained earnings to average equity (ytd only) | 6.1810% | 2,439 |
| Net charge-offs to loans | 0.1653% | 4,468 |
| Credit loss provision to net charge-offs | 124.7059% | 2,578 |
| Earnings coverage of net charge-offs (x) | 4.8824% | 2,933 |
| Efficiency ratio | 83.2323% | 1,823 |
| Assets per employee ($millions) | 2.2282% | 7,126 |
| Cash dividends to net income (ytd only)* | 25.1712% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 6,147 |
| Loan loss allowance to noncurrent loans | 62.3519% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.5305% | 3,802 |
| Noncurrent loans to loans | 1.6419% | 3,829 |
| Net loans and leases to total assets | 81.9931% | 358 |
| Net loans and leases to deposits | 97.4480% | 611 |
| Net loans and leases to core deposits | 107.3169% | 794 |
| Total domestic deposits to total assets | 84.1404% | 4,161 |
| Equity capital to assets | 9.1427% | 5,593 |
| Core capital (leverage) ratio | 8.9414% | 5,027 |
| Tier 1 risk-based capital ratio | 11.7922% | 6,041 |
| Total risk-based capital ratio | 12.9353% | 6,114 |
| Memoranda: | ||
| Average total assets | $87,135,750 | 5,293 |
| Average earning assets | $80,147,500 | 5,265 |
| Average equity | $7,053,750 | 5,890 |
| Average total loans | $68,565,000 | 4,579 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 2,664 |
| Cost of funding earning assets | 1.5890% | 728 |
| Net interest margin | 3.5148% | 5,091 |
| Noninterest income to average assets | 0.5160% | 3,740 |
| Noninterest expense to average assets | 3.1417% | 3,109 |
| Loan and lease loss provision to assets | 0.1628% | 4,300 |
| Net operating income to assets | 0.4426% | 4,754 |
| Return on assets (ROA) | 0.4426% | 4,893 |
| Pretax return on assets | 0.4426% | 5,254 |
| Return on Equity (ROE) | 5.7129% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.4568% | 4,723 |
| Net charge-offs to loans | 0.0564% | 5,086 |
| Credit loss provision to net charge-offs | 373.6842% | 818 |
| Earnings coverage of net charge-offs (x) | 13.8947% | 1,512 |
| Efficiency ratio | 83.8433% | 1,837 |
| Assets per employee ($millions) | 2.2488% | 7,155 |
| Cash dividends to net income (ytd only)* | 56.9948% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,937 |
| Loan loss allowance to noncurrent loans | 51.3369% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.8243% | 3,477 |
| Noncurrent loans to loans | 2.1519% | 3,284 |
| Net loans and leases to total assets | 78.3930% | 720 |
| Net loans and leases to deposits | 93.6039% | 902 |
| Net loans and leases to core deposits | 103.8157% | 1,052 |
| Total domestic deposits to total assets | 83.7497% | 4,448 |
| Equity capital to assets | 8.3578% | 6,355 |
| Core capital (leverage) ratio | 8.1269% | 6,123 |
| Tier 1 risk-based capital ratio | 10.9196% | 6,591 |
| Total risk-based capital ratio | 12.1245% | 6,582 |
| Memoranda: | ||
| Average total assets | $87,214,330 | 5,336 |
| Average earning assets | $80,175,670 | 5,316 |
| Average equity | $6,756,670 | 6,003 |
| Average total loans | $67,423,670 | 4,661 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 2,383 |
| Cost of funding earning assets | 1.6650% | 642 |
| Net interest margin | 3.4950% | 5,035 |
| Noninterest income to average assets | 0.4139% | 4,591 |
| Noninterest expense to average assets | 3.1689% | 2,996 |
| Loan and lease loss provision to assets | 0.1610% | 4,022 |
| Net operating income to assets | 0.2990% | 5,407 |
| Return on assets (ROA) | 0.2990% | 5,475 |
| Pretax return on assets | 0.2990% | 5,653 |
| Return on Equity (ROE) | 4.0185% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.0185% | 3,760 |
| Net charge-offs to loans | 0.1205% | 3,811 |
| Credit loss provision to net charge-offs | 175.0000% | 1,668 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,351 |
| Efficiency ratio | 87.3257% | 1,588 |
| Assets per employee ($millions) | 2.2905% | 7,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 6,080 |
| Loan loss allowance to noncurrent loans | 56.7106% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.6004% | 3,846 |
| Noncurrent loans to loans | 1.9225% | 3,669 |
| Net loans and leases to total assets | 76.1911% | 1,007 |
| Net loans and leases to deposits | 89.1991% | 1,330 |
| Net loans and leases to core deposits | 97.0440% | 1,590 |
| Total domestic deposits to total assets | 85.4169% | 3,827 |
| Equity capital to assets | 7.5012% | 6,868 |
| Core capital (leverage) ratio | 7.2966% | 6,859 |
| Tier 1 risk-based capital ratio | 10.0472% | 6,987 |
| Total risk-based capital ratio | 11.2287% | 7,013 |
| Memoranda: | ||
| Average total assets | $86,970,000 | 5,378 |
| Average earning assets | $80,001,000 | 5,362 |
| Average equity | $6,470,000 | 6,102 |
| Average total loans | $66,375,000 | 4,754 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 3,046 |
| Cost of funding earning assets | 2.1133% | 406 |
| Net interest margin | 3.2024% | 6,266 |
| Noninterest income to average assets | 0.4725% | 4,366 |
| Noninterest expense to average assets | 3.0671% | 3,602 |
| Loan and lease loss provision to assets | 0.0741% | 6,407 |
| Net operating income to assets | 0.2473% | 5,116 |
| Return on assets (ROA) | 0.2830% | 5,158 |
| Pretax return on assets | 0.3061% | 5,215 |
| Return on Equity (ROE) | 3.6140% | 4,692 |
| Retained earnings to average equity (ytd only) | 0.7445% | 5,187 |
| Net charge-offs to loans | -0.0081% | 7,300 |
| Credit loss provision to net charge-offs | -1,220.0000% | 7,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9857% | 1,328 |
| Assets per employee ($millions) | 2.2869% | 7,229 |
| Cash dividends to net income (ytd only)* | 79.3991% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 5,985 |
| Loan loss allowance to noncurrent loans | 49.2435% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.7928% | 3,632 |
| Noncurrent loans to loans | 2.2130% | 3,309 |
| Net loans and leases to total assets | 74.7828% | 1,524 |
| Net loans and leases to deposits | 91.7235% | 1,292 |
| Net loans and leases to core deposits | 99.3533% | 1,667 |
| Total domestic deposits to total assets | 81.5307% | 5,348 |
| Equity capital to assets | 7.3774% | 6,955 |
| Core capital (leverage) ratio | 7.5100% | 6,698 |
| Tier 1 risk-based capital ratio | 10.1875% | 6,877 |
| Total risk-based capital ratio | 11.3846% | 6,893 |
| Memoranda: | ||
| Average total assets | $82,325,400 | 5,518 |
| Average earning assets | $75,474,600 | 5,494 |
| Average equity | $6,447,200 | 6,219 |
| Average total loans | $61,651,400 | 5,002 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 2,919 |
| Cost of funding earning assets | 2.2011% | 382 |
| Net interest margin | 3.1923% | 6,370 |
| Noninterest income to average assets | 0.4845% | 4,300 |
| Noninterest expense to average assets | 2.9645% | 3,873 |
| Loan and lease loss provision to assets | 0.1002% | 6,022 |
| Net operating income to assets | 0.3449% | 4,994 |
| Return on assets (ROA) | 0.3975% | 4,939 |
| Pretax return on assets | 0.3975% | 5,226 |
| Return on Equity (ROE) | 4.9976% | 4,289 |
| Retained earnings to average equity (ytd only) | 3.2423% | 4,160 |
| Net charge-offs to loans | -0.0110% | 7,277 |
| Credit loss provision to net charge-offs | -1,220.0000% | 7,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9461% | 1,538 |
| Assets per employee ($millions) | 2.1362% | 7,434 |
| Cash dividends to net income (ytd only)* | 35.1237% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 5,719 |
| Loan loss allowance to noncurrent loans | 114.7436% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 5,070 |
| Noncurrent loans to loans | 1.0007% | 5,232 |
| Net loans and leases to total assets | 75.9322% | 1,418 |
| Net loans and leases to deposits | 95.1028% | 1,090 |
| Net loans and leases to core deposits | 99.1906% | 1,927 |
| Total domestic deposits to total assets | 79.8423% | 5,760 |
| Equity capital to assets | 8.0530% | 6,756 |
| Core capital (leverage) ratio | 7.7052% | 6,669 |
| Tier 1 risk-based capital ratio | 10.6698% | 6,657 |
| Total risk-based capital ratio | 11.9018% | 6,662 |
| Memoranda: | ||
| Average total assets | $81,181,500 | 5,630 |
| Average earning assets | $74,386,500 | 5,594 |
| Average equity | $6,456,250 | 6,299 |
| Average total loans | $60,638,500 | 5,121 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4094% | 2,937 |
| Cost of funding earning assets | 2.2396% | 413 |
| Net interest margin | 3.1698% | 6,404 |
| Noninterest income to average assets | 0.5050% | 4,074 |
| Noninterest expense to average assets | 2.8897% | 4,117 |
| Loan and lease loss provision to assets | 0.1010% | 5,902 |
| Net operating income to assets | 0.4188% | 4,665 |
| Return on assets (ROA) | 0.4188% | 4,825 |
| Pretax return on assets | 0.4188% | 5,162 |
| Return on Equity (ROE) | 5.2883% | 4,135 |
| Retained earnings to average equity (ytd only) | 2.6441% | 4,458 |
| Net charge-offs to loans | -0.0266% | 7,328 |
| Credit loss provision to net charge-offs | -512.5000% | 6,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7543% | 1,840 |
| Assets per employee ($millions) | 2.3907% | 7,239 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,755 |
| Loan loss allowance to noncurrent loans | 102.1930% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 5,056 |
| Noncurrent loans to loans | 1.1130% | 5,098 |
| Net loans and leases to total assets | 72.6122% | 2,253 |
| Net loans and leases to deposits | 90.4488% | 1,779 |
| Net loans and leases to core deposits | 94.5401% | 2,641 |
| Total domestic deposits to total assets | 80.2799% | 5,638 |
| Equity capital to assets | 7.7561% | 6,960 |
| Core capital (leverage) ratio | 7.5673% | 6,763 |
| Tier 1 risk-based capital ratio | 10.6353% | 6,577 |
| Total risk-based capital ratio | 11.8232% | 6,628 |
| Memoranda: | ||
| Average total assets | $81,183,670 | 5,665 |
| Average earning assets | $74,389,000 | 5,628 |
| Average equity | $6,429,330 | 6,326 |
| Average total loans | $60,066,670 | 5,173 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5147% | 2,517 |
| Cost of funding earning assets | 2.3065% | 428 |
| Net interest margin | 3.2083% | 6,269 |
| Noninterest income to average assets | 0.4203% | 4,732 |
| Noninterest expense to average assets | 3.0524% | 3,466 |
| Loan and lease loss provision to assets | 0.1001% | 5,630 |
| Net operating income to assets | 0.2052% | 5,666 |
| Return on assets (ROA) | 0.2052% | 5,785 |
| Pretax return on assets | 0.2052% | 5,863 |
| Return on Equity (ROE) | 2.5629% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.5629% | 4,599 |
| Net charge-offs to loans | -0.0337% | 7,231 |
| Credit loss provision to net charge-offs | -400.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9091% | 1,362 |
| Assets per employee ($millions) | 2.2968% | 7,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,799 |
| Loan loss allowance to noncurrent loans | 89.5225% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 4,831 |
| Noncurrent loans to loans | 1.2794% | 4,839 |
| Net loans and leases to total assets | 72.4698% | 2,336 |
| Net loans and leases to deposits | 90.5836% | 1,820 |
| Net loans and leases to core deposits | 94.4611% | 2,774 |
| Total domestic deposits to total assets | 80.0032% | 5,789 |
| Equity capital to assets | 7.9838% | 6,671 |
| Core capital (leverage) ratio | 7.7997% | 6,505 |
| Tier 1 risk-based capital ratio | 10.9925% | 6,162 |
| Total risk-based capital ratio | 12.1832% | 6,198 |
| Memoranda: | ||
| Average total assets | $79,937,500 | 5,768 |
| Average earning assets | $73,186,000 | 5,741 |
| Average equity | $6,399,000 | 6,382 |
| Average total loans | $59,371,000 | 5,278 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8290% | 2,530 |
| Cost of funding earning assets | 2.6265% | 720 |
| Net interest margin | 3.2024% | 6,085 |
| Noninterest income to average assets | 0.5252% | 4,215 |
| Noninterest expense to average assets | 2.9595% | 4,306 |
| Loan and lease loss provision to assets | 0.1003% | 6,622 |
| Net operating income to assets | 0.3826% | 4,194 |
| Return on assets (ROA) | 0.4086% | 4,205 |
| Pretax return on assets | 0.4124% | 4,461 |
| Return on Equity (ROE) | 5.1597% | 3,597 |
| Retained earnings to average equity (ytd only) | 1.1237% | 4,260 |
| Net charge-offs to loans | 0.0918% | 6,211 |
| Credit loss provision to net charge-offs | 145.4545% | 3,265 |
| Earnings coverage of net charge-offs (x) | 7.0545% | 2,232 |
| Efficiency ratio | 85.8858% | 2,126 |
| Assets per employee ($millions) | 2.2711% | 7,506 |
| Cash dividends to net income (ytd only)* | 78.2209% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,961 |
| Loan loss allowance to noncurrent loans | 71.8232% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.3751% | 4,362 |
| Noncurrent loans to loans | 1.5131% | 4,392 |
| Net loans and leases to total assets | 74.4273% | 2,157 |
| Net loans and leases to deposits | 92.6053% | 1,801 |
| Net loans and leases to core deposits | 115.6779% | 2,352 |
| Total domestic deposits to total assets | 80.3704% | 5,560 |
| Equity capital to assets | 8.0265% | 6,552 |
| Core capital (leverage) ratio | 7.9389% | 6,275 |
| Tier 1 risk-based capital ratio | 10.8698% | 6,043 |
| Total risk-based capital ratio | 12.0409% | 6,093 |
| Memoranda: | ||
| Average total assets | $79,776,400 | 5,738 |
| Average earning assets | $72,757,400 | 5,727 |
| Average equity | $6,318,200 | 6,493 |
| Average total loans | $59,893,600 | 5,257 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8595% | 2,632 |
| Cost of funding earning assets | 2.7070% | 777 |
| Net interest margin | 3.1524% | 6,168 |
| Noninterest income to average assets | 0.5226% | 4,297 |
| Noninterest expense to average assets | 2.8086% | 4,861 |
| Loan and lease loss provision to assets | 0.1336% | 6,024 |
| Net operating income to assets | 0.4525% | 4,183 |
| Return on assets (ROA) | 0.4876% | 4,134 |
| Pretax return on assets | 0.4876% | 4,554 |
| Return on Equity (ROE) | 6.1770% | 3,451 |
| Retained earnings to average equity (ytd only) | 3.7442% | 3,193 |
| Net charge-offs to loans | 0.1179% | 5,517 |
| Credit loss provision to net charge-offs | 150.9434% | 3,181 |
| Earnings coverage of net charge-offs (x) | 6.6231% | 2,567 |
| Efficiency ratio | 82.7349% | 2,472 |
| Assets per employee ($millions) | 2.1943% | 7,619 |
| Cash dividends to net income (ytd only)* | 39.3841% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,756 |
| Loan loss allowance to noncurrent loans | 38.9486% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 2.4244% | 2,844 |
| Noncurrent loans to loans | 2.8124% | 2,696 |
| Net loans and leases to total assets | 76.6516% | 1,858 |
| Net loans and leases to deposits | 98.4053% | 1,278 |
| Net loans and leases to core deposits | 121.3089% | 2,134 |
| Total domestic deposits to total assets | 77.8938% | 6,115 |
| Equity capital to assets | 8.4034% | 6,379 |
| Core capital (leverage) ratio | 8.0747% | 6,229 |
| Tier 1 risk-based capital ratio | 11.1408% | 5,823 |
| Total risk-based capital ratio | 12.3244% | 5,833 |
| Memoranda: | ||
| Average total assets | $79,848,750 | 5,769 |
| Average earning assets | $72,746,750 | 5,760 |
| Average equity | $6,302,750 | 6,555 |
| Average total loans | $59,914,500 | 5,294 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9103% | 2,542 |
| Cost of funding earning assets | 2.8096% | 767 |
| Net interest margin | 3.1007% | 6,239 |
| Noninterest income to average assets | 0.5243% | 4,231 |
| Noninterest expense to average assets | 2.6241% | 5,639 |
| Loan and lease loss provision to assets | 0.1731% | 5,329 |
| Net operating income to assets | 0.5466% | 3,898 |
| Return on assets (ROA) | 0.5985% | 3,789 |
| Pretax return on assets | 0.5985% | 4,327 |
| Return on Equity (ROE) | 7.7411% | 2,873 |
| Retained earnings to average equity (ytd only) | 4.0625% | 3,026 |
| Net charge-offs to loans | 0.0733% | 5,477 |
| Credit loss provision to net charge-offs | 318.1818% | 1,465 |
| Earnings coverage of net charge-offs (x) | 13.2273% | 1,755 |
| Efficiency ratio | 78.4763% | 3,281 |
| Assets per employee ($millions) | 2.3454% | 7,495 |
| Cash dividends to net income (ytd only)* | 47.5207% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,394 |
| Loan loss allowance to noncurrent loans | 47.0918% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.0253% | 3,166 |
| Noncurrent loans to loans | 2.3978% | 3,012 |
| Net loans and leases to total assets | 73.7892% | 2,761 |
| Net loans and leases to deposits | 91.7613% | 2,509 |
| Net loans and leases to core deposits | 113.9071% | 2,918 |
| Total domestic deposits to total assets | 80.4143% | 5,312 |
| Equity capital to assets | 8.0096% | 6,740 |
| Core capital (leverage) ratio | 7.7163% | 6,729 |
| Tier 1 risk-based capital ratio | 10.9366% | 5,945 |
| Total risk-based capital ratio | 12.1429% | 5,935 |
| Memoranda: | ||
| Average total assets | $80,864,330 | 5,768 |
| Average earning assets | $73,532,330 | 5,769 |
| Average equity | $6,252,330 | 6,620 |
| Average total loans | $60,045,330 | 5,332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8917% | 2,840 |
| Cost of funding earning assets | 2.9024% | 765 |
| Net interest margin | 2.9893% | 6,510 |
| Noninterest income to average assets | 0.4716% | 4,578 |
| Noninterest expense to average assets | 2.5938% | 5,476 |
| Loan and lease loss provision to assets | 0.1965% | 4,472 |
| Net operating income to assets | 0.3832% | 4,929 |
| Return on assets (ROA) | 0.4863% | 4,676 |
| Pretax return on assets | 0.4863% | 5,119 |
| Return on Equity (ROE) | 6.4026% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.4026% | 2,461 |
| Net charge-offs to loans | 0.0796% | 4,381 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 9.8333% | 2,013 |
| Efficiency ratio | 81.7337% | 2,573 |
| Assets per employee ($millions) | 2.4179% | 7,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 5,626 |
| Loan loss allowance to noncurrent loans | 30.2595% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 2.7576% | 2,057 |
| Noncurrent loans to loans | 3.5605% | 1,771 |
| Net loans and leases to total assets | 72.9321% | 3,023 |
| Net loans and leases to deposits | 89.9295% | 2,942 |
| Net loans and leases to core deposits | 111.8791% | 3,233 |
| Total domestic deposits to total assets | 81.0992% | 4,927 |
| Equity capital to assets | 7.6623% | 7,211 |
| Core capital (leverage) ratio | 7.6130% | 7,009 |
| Tier 1 risk-based capital ratio | 10.6956% | 6,188 |
| Total risk-based capital ratio | 11.8476% | 6,214 |
| Memoranda: | ||
| Average total assets | $81,425,500 | 5,772 |
| Average earning assets | $73,595,500 | 5,788 |
| Average equity | $6,185,000 | 6,693 |
| Average total loans | $60,311,500 | 5,350 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3438% | 3,718 |
| Cost of funding earning assets | 3.1753% | 1,269 |
| Net interest margin | 3.1685% | 6,468 |
| Noninterest income to average assets | 0.5643% | 4,114 |
| Noninterest expense to average assets | 2.6395% | 5,492 |
| Loan and lease loss provision to assets | 0.1767% | 5,132 |
| Net operating income to assets | 0.6905% | 3,936 |
| Return on assets (ROA) | 0.6943% | 3,753 |
| Pretax return on assets | 0.6539% | 4,536 |
| Return on Equity (ROE) | 9.2174% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.3628% | 1,829 |
| Net charge-offs to loans | 0.1213% | 5,030 |
| Credit loss provision to net charge-offs | 205.8824% | 2,359 |
| Earnings coverage of net charge-offs (x) | 9.6324% | 2,660 |
| Efficiency ratio | 76.1471% | 3,216 |
| Assets per employee ($millions) | 2.3719% | 7,447 |
| Cash dividends to net income (ytd only)* | 41.8182% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 5,706 |
| Loan loss allowance to noncurrent loans | 91.7768% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 4,740 |
| Noncurrent loans to loans | 1.1347% | 4,272 |
| Net loans and leases to total assets | 73.6443% | 3,196 |
| Net loans and leases to deposits | 92.8127% | 2,992 |
| Net loans and leases to core deposits | 114.2755% | 3,307 |
| Total domestic deposits to total assets | 79.3472% | 5,252 |
| Equity capital to assets | 7.5282% | 7,357 |
| Core capital (leverage) ratio | 7.5964% | 7,079 |
| Tier 1 risk-based capital ratio | 10.7080% | 5,997 |
| Total risk-based capital ratio | 11.8311% | 6,027 |
| Memoranda: | ||
| Average total assets | $79,218,800 | 5,728 |
| Average earning assets | $72,559,000 | 5,721 |
| Average equity | $5,967,000 | 6,821 |
| Average total loans | $56,063,600 | 5,446 |