Home > Community National Bank > Performance and Condition Ratios
Community National Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,841 |
| Cost of funding earning assets | 0.5977% | 3,447 |
| Net interest margin | 3.3859% | 3,337 |
| Noninterest income to average assets | 0.7602% | 1,431 |
| Noninterest expense to average assets | 2.1808% | 4,058 |
| Loan and lease loss provision to assets | 0.0809% | 2,697 |
| Net operating income to assets | 1.4611% | 853 |
| Return on assets (ROA) | 1.4611% | 928 |
| Pretax return on assets | 1.4611% | 1,408 |
| Return on Equity (ROE) | 17.0073% | 340 |
| Retained earnings to average equity (ytd only) | 17.0073% | 113 |
| Net charge-offs to loans | 0.2930% | 497 |
| Credit loss provision to net charge-offs | 50.8475% | 2,055 |
| Earnings coverage of net charge-offs (x) | 9.6949% | 1,808 |
| Efficiency ratio | 58.5807% | 3,929 |
| Assets per employee ($millions) | 5.2590% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,081 |
| Loan loss allowance to noncurrent loans | 434.7418% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 3,899 |
| Noncurrent loans to loans | 0.2580% | 3,568 |
| Net loans and leases to total assets | 57.4866% | 3,710 |
| Net loans and leases to deposits | 63.3863% | 4,016 |
| Net loans and leases to core deposits | 66.2987% | 4,067 |
| Total domestic deposits to total assets | 90.6925% | 151 |
| Equity capital to assets | 9.1730% | 4,486 |
| Core capital (leverage) ratio | 8.7880% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1525% | 1,568 |
| Memoranda: | ||
| Average total assets | $148,385,500 | 3,348 |
| Average earning assets | $129,832,500 | 3,446 |
| Average equity | $12,747,500 | 3,909 |
| Average total loans | $80,533,500 | 3,571 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 3,273 |
| Cost of funding earning assets | 0.5591% | 3,829 |
| Net interest margin | 3.8335% | 2,392 |
| Noninterest income to average assets | 0.8838% | 1,209 |
| Noninterest expense to average assets | 3.0801% | 1,812 |
| Loan and lease loss provision to assets | 0.0059% | 3,891 |
| Net operating income to assets | 1.2404% | 1,905 |
| Return on assets (ROA) | 1.2404% | 1,987 |
| Pretax return on assets | 1.2404% | 2,702 |
| Return on Equity (ROE) | 13.6923% | 960 |
| Retained earnings to average equity (ytd only) | 9.5928% | 571 |
| Net charge-offs to loans | 0.0123% | 3,248 |
| Credit loss provision to net charge-offs | 80.0000% | 2,793 |
| Earnings coverage of net charge-offs (x) | 167.8000% | 452 |
| Efficiency ratio | 71.1931% | 1,991 |
| Assets per employee ($millions) | 5.5278% | 2,038 |
| Cash dividends to net income (ytd only)* | 29.9401% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,342 |
| Loan loss allowance to noncurrent loans | 1,425.3731% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,425 |
| Noncurrent loans to loans | 0.0853% | 4,179 |
| Net loans and leases to total assets | 50.1098% | 4,323 |
| Net loans and leases to deposits | 54.5798% | 4,513 |
| Net loans and leases to core deposits | 56.5662% | 4,562 |
| Total domestic deposits to total assets | 91.8102% | 48 |
| Equity capital to assets | 8.0567% | 5,051 |
| Core capital (leverage) ratio | 8.7668% | 4,689 |
| Tier 1 risk-based capital ratio | 13.2455% | 3,652 |
| Total risk-based capital ratio | 14.3052% | 3,642 |
| Memoranda: | ||
| Average total assets | $134,639,400 | 3,511 |
| Average earning assets | $120,909,000 | 3,549 |
| Average equity | $12,196,600 | 3,973 |
| Average total loans | $81,549,600 | 3,567 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 3,151 |
| Cost of funding earning assets | 0.5445% | 3,964 |
| Net interest margin | 3.9257% | 2,173 |
| Noninterest income to average assets | 0.9290% | 1,080 |
| Noninterest expense to average assets | 2.6716% | 2,940 |
| Loan and lease loss provision to assets | 0.0062% | 3,758 |
| Net operating income to assets | 1.8631% | 551 |
| Return on assets (ROA) | 1.8631% | 574 |
| Pretax return on assets | 1.8631% | 955 |
| Return on Equity (ROE) | 19.9090% | 254 |
| Retained earnings to average equity (ytd only) | 19.9090% | 49 |
| Net charge-offs to loans | 0.0097% | 3,027 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 302.8263% | 311 |
| Efficiency ratio | 58.8355% | 3,821 |
| Assets per employee ($millions) | 4.8566% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,598 |
| Loan loss allowance to noncurrent loans | 1,710.7143% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,509 |
| Noncurrent loans to loans | 0.0692% | 4,327 |
| Net loans and leases to total assets | 58.8415% | 3,792 |
| Net loans and leases to deposits | 65.3733% | 4,104 |
| Net loans and leases to core deposits | 67.5101% | 4,192 |
| Total domestic deposits to total assets | 90.0084% | 284 |
| Equity capital to assets | 9.6504% | 4,337 |
| Core capital (leverage) ratio | 9.3001% | 4,366 |
| Tier 1 risk-based capital ratio | 15.2903% | 2,719 |
| Total risk-based capital ratio | 16.4548% | 2,683 |
| Memoranda: | ||
| Average total assets | $129,604,750 | 3,606 |
| Average earning assets | $119,246,250 | 3,607 |
| Average equity | $12,128,250 | 4,016 |
| Average total loans | $82,308,500 | 3,595 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 3,078 |
| Cost of funding earning assets | 0.5180% | 4,042 |
| Net interest margin | 3.9611% | 2,052 |
| Noninterest income to average assets | 0.9304% | 1,004 |
| Noninterest expense to average assets | 2.6938% | 2,928 |
| Loan and lease loss provision to assets | 0.0047% | 3,631 |
| Net operating income to assets | 1.8670% | 521 |
| Return on assets (ROA) | 1.8670% | 547 |
| Pretax return on assets | 1.8670% | 899 |
| Return on Equity (ROE) | 20.1752% | 246 |
| Retained earnings to average equity (ytd only) | 20.1752% | 59 |
| Net charge-offs to loans | 0.0073% | 2,889 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 397.6667% | 196 |
| Efficiency ratio | 59.0034% | 3,860 |
| Assets per employee ($millions) | 4.8835% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 2,839 |
| Loan loss allowance to noncurrent loans | 1,472.3077% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,528 |
| Noncurrent loans to loans | 0.0775% | 4,332 |
| Net loans and leases to total assets | 60.6327% | 3,682 |
| Net loans and leases to deposits | 66.9298% | 4,029 |
| Net loans and leases to core deposits | 69.0831% | 4,147 |
| Total domestic deposits to total assets | 90.5915% | 177 |
| Equity capital to assets | 9.1313% | 4,710 |
| Core capital (leverage) ratio | 9.4805% | 4,163 |
| Tier 1 risk-based capital ratio | 14.2376% | 3,193 |
| Total risk-based capital ratio | 15.3771% | 3,170 |
| Memoranda: | ||
| Average total assets | $127,478,330 | 3,659 |
| Average earning assets | $116,987,330 | 3,660 |
| Average equity | $11,796,670 | 4,075 |
| Average total loans | $82,753,670 | 3,598 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 2,852 |
| Cost of funding earning assets | 0.4995% | 4,064 |
| Net interest margin | 4.0034% | 1,845 |
| Noninterest income to average assets | 0.9312% | 967 |
| Noninterest expense to average assets | 2.7839% | 2,625 |
| Loan and lease loss provision to assets | 0.0033% | 3,375 |
| Net operating income to assets | 1.7973% | 583 |
| Return on assets (ROA) | 1.7973% | 601 |
| Pretax return on assets | 1.7973% | 982 |
| Return on Equity (ROE) | 19.2805% | 309 |
| Retained earnings to average equity (ytd only) | 19.2805% | 118 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7244% | 3,713 |
| Assets per employee ($millions) | 4.4467% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 2,836 |
| Loan loss allowance to noncurrent loans | 1,995.8333% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 4,643 |
| Noncurrent loans to loans | 0.0577% | 4,504 |
| Net loans and leases to total assets | 66.0252% | 3,046 |
| Net loans and leases to deposits | 73.0973% | 3,523 |
| Net loans and leases to core deposits | 75.5140% | 3,689 |
| Total domestic deposits to total assets | 90.3250% | 346 |
| Equity capital to assets | 9.4493% | 4,303 |
| Core capital (leverage) ratio | 9.2394% | 4,423 |
| Tier 1 risk-based capital ratio | 13.4161% | 3,654 |
| Total risk-based capital ratio | 14.5516% | 3,623 |
| Memoranda: | ||
| Average total assets | $122,848,500 | 3,753 |
| Average earning assets | $112,105,000 | 3,785 |
| Average equity | $11,452,000 | 4,134 |
| Average total loans | $82,198,000 | 3,647 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 3,010 |
| Cost of funding earning assets | 0.4020% | 3,977 |
| Net interest margin | 3.9273% | 2,239 |
| Noninterest income to average assets | 0.9968% | 947 |
| Noninterest expense to average assets | 2.8062% | 2,667 |
| Loan and lease loss provision to assets | 0.0469% | 3,248 |
| Net operating income to assets | 1.7141% | 670 |
| Return on assets (ROA) | 1.7141% | 660 |
| Pretax return on assets | 1.7141% | 1,132 |
| Return on Equity (ROE) | 18.0038% | 385 |
| Retained earnings to average equity (ytd only) | 4.5815% | 3,005 |
| Net charge-offs to loans | 0.0211% | 3,002 |
| Credit loss provision to net charge-offs | 323.5294% | 967 |
| Earnings coverage of net charge-offs (x) | 121.5882% | 645 |
| Efficiency ratio | 61.4438% | 3,634 |
| Assets per employee ($millions) | 4.3282% | 3,415 |
| Cash dividends to net income (ytd only)* | 74.5527% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 2,675 |
| Loan loss allowance to noncurrent loans | 3,828.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,775 |
| Noncurrent loans to loans | 0.0308% | 4,633 |
| Net loans and leases to total assets | 66.2390% | 3,098 |
| Net loans and leases to deposits | 73.1169% | 3,577 |
| Net loans and leases to core deposits | 75.4110% | 3,760 |
| Total domestic deposits to total assets | 90.5933% | 297 |
| Equity capital to assets | 9.1914% | 4,412 |
| Core capital (leverage) ratio | 9.1599% | 4,497 |
| Tier 1 risk-based capital ratio | 13.0702% | 3,806 |
| Total risk-based capital ratio | 14.2320% | 3,742 |
| Memoranda: | ||
| Average total assets | $117,381,400 | 3,833 |
| Average earning assets | $106,713,200 | 3,864 |
| Average equity | $11,175,400 | 4,138 |
| Average total loans | $80,529,800 | 3,659 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 3,047 |
| Cost of funding earning assets | 0.3758% | 4,015 |
| Net interest margin | 3.9020% | 2,293 |
| Noninterest income to average assets | 0.9974% | 966 |
| Noninterest expense to average assets | 2.7953% | 2,648 |
| Loan and lease loss provision to assets | 0.0550% | 2,874 |
| Net operating income to assets | 1.6903% | 765 |
| Return on assets (ROA) | 1.6903% | 763 |
| Pretax return on assets | 1.6903% | 1,299 |
| Return on Equity (ROE) | 17.5953% | 469 |
| Retained earnings to average equity (ytd only) | 17.5953% | 92 |
| Net charge-offs to loans | 0.0265% | 2,581 |
| Credit loss provision to net charge-offs | 300.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 95.2625% | 784 |
| Efficiency ratio | 61.5637% | 3,578 |
| Assets per employee ($millions) | 4.1633% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,887 |
| Loan loss allowance to noncurrent loans | 3,962.5000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,891 |
| Noncurrent loans to loans | 0.0291% | 4,763 |
| Net loans and leases to total assets | 69.8856% | 2,668 |
| Net loans and leases to deposits | 78.1600% | 3,225 |
| Net loans and leases to core deposits | 79.6377% | 3,527 |
| Total domestic deposits to total assets | 89.4134% | 700 |
| Equity capital to assets | 10.2984% | 3,336 |
| Core capital (leverage) ratio | 9.9994% | 3,637 |
| Tier 1 risk-based capital ratio | 13.9021% | 3,421 |
| Total risk-based capital ratio | 15.0291% | 3,384 |
| Memoranda: | ||
| Average total assets | $116,429,250 | 3,883 |
| Average earning assets | $105,722,000 | 3,919 |
| Average equity | $11,184,500 | 4,176 |
| Average total loans | $80,354,250 | 3,691 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,198 |
| Cost of funding earning assets | 0.3526% | 4,058 |
| Net interest margin | 3.8197% | 2,501 |
| Noninterest income to average assets | 0.9778% | 997 |
| Noninterest expense to average assets | 2.7771% | 2,731 |
| Loan and lease loss provision to assets | 0.0378% | 3,155 |
| Net operating income to assets | 1.6257% | 862 |
| Return on assets (ROA) | 1.6257% | 866 |
| Pretax return on assets | 1.6257% | 1,415 |
| Return on Equity (ROE) | 17.3403% | 488 |
| Retained earnings to average equity (ytd only) | 17.3403% | 115 |
| Net charge-offs to loans | 0.0226% | 2,423 |
| Credit loss provision to net charge-offs | 244.4444% | 1,158 |
| Earnings coverage of net charge-offs (x) | 107.5556% | 664 |
| Efficiency ratio | 62.5387% | 3,555 |
| Assets per employee ($millions) | 4.2282% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,788 |
| Loan loss allowance to noncurrent loans | 406.9869% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 4,019 |
| Noncurrent loans to loans | 0.2923% | 3,655 |
| Net loans and leases to total assets | 65.3847% | 3,230 |
| Net loans and leases to deposits | 72.6218% | 3,667 |
| Net loans and leases to core deposits | 73.9680% | 3,880 |
| Total domestic deposits to total assets | 90.0346% | 559 |
| Equity capital to assets | 9.7356% | 3,884 |
| Core capital (leverage) ratio | 9.6607% | 3,931 |
| Tier 1 risk-based capital ratio | 13.8793% | 3,417 |
| Total risk-based capital ratio | 15.0341% | 3,380 |
| Memoranda: | ||
| Average total assets | $116,381,670 | 3,921 |
| Average earning assets | $105,505,000 | 3,956 |
| Average equity | $10,911,000 | 4,240 |
| Average total loans | $79,666,330 | 3,719 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 3,114 |
| Cost of funding earning assets | 0.3297% | 4,136 |
| Net interest margin | 3.8032% | 2,413 |
| Noninterest income to average assets | 0.9395% | 1,050 |
| Noninterest expense to average assets | 2.7354% | 2,925 |
| Loan and lease loss provision to assets | 0.0659% | 2,455 |
| Net operating income to assets | 1.5774% | 904 |
| Return on assets (ROA) | 1.5774% | 912 |
| Pretax return on assets | 1.5774% | 1,460 |
| Return on Equity (ROE) | 17.1641% | 493 |
| Retained earnings to average equity (ytd only) | 17.1641% | 186 |
| Net charge-offs to loans | 0.0299% | 1,900 |
| Credit loss provision to net charge-offs | 316.6667% | 787 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 707 |
| Efficiency ratio | 62.4703% | 3,706 |
| Assets per employee ($millions) | 4.1566% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,099 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 3,236 |
| Noncurrent loans to loans | 0.2871% | 3,746 |
| Net loans and leases to total assets | 68.9413% | 2,639 |
| Net loans and leases to deposits | 76.1242% | 3,201 |
| Net loans and leases to core deposits | 77.7688% | 3,512 |
| Total domestic deposits to total assets | 90.5642% | 452 |
| Equity capital to assets | 9.2709% | 4,298 |
| Core capital (leverage) ratio | 9.2340% | 4,395 |
| Tier 1 risk-based capital ratio | 12.1738% | 4,450 |
| Total risk-based capital ratio | 13.2591% | 4,436 |
| Memoranda: | ||
| Average total assets | $115,377,500 | 3,975 |
| Average earning assets | $104,332,500 | 4,024 |
| Average equity | $10,603,500 | 4,337 |
| Average total loans | $80,329,000 | 3,740 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 3,775 |
| Cost of funding earning assets | 0.2490% | 4,574 |
| Net interest margin | 3.6369% | 3,037 |
| Noninterest income to average assets | 1.0223% | 975 |
| Noninterest expense to average assets | 2.8112% | 2,733 |
| Loan and lease loss provision to assets | 0.0841% | 2,527 |
| Net operating income to assets | 1.4234% | 968 |
| Return on assets (ROA) | 1.4234% | 987 |
| Pretax return on assets | 1.4234% | 1,915 |
| Return on Equity (ROE) | 14.7507% | 647 |
| Retained earnings to average equity (ytd only) | 3.5693% | 3,137 |
| Net charge-offs to loans | 0.0207% | 3,415 |
| Credit loss provision to net charge-offs | 613.3333% | 526 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 606 |
| Efficiency ratio | 65.0941% | 3,424 |
| Assets per employee ($millions) | 4.2359% | 3,601 |
| Cash dividends to net income (ytd only)* | 75.8023% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,020 |
| Loan loss allowance to noncurrent loans | 425.4630% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 3,280 |
| Noncurrent loans to loans | 0.2717% | 3,812 |
| Net loans and leases to total assets | 68.6978% | 2,727 |
| Net loans and leases to deposits | 75.7219% | 3,355 |
| Net loans and leases to core deposits | 77.3820% | 3,636 |
| Total domestic deposits to total assets | 90.7239% | 330 |
| Equity capital to assets | 9.1082% | 4,610 |
| Core capital (leverage) ratio | 9.1785% | 4,422 |
| Tier 1 risk-based capital ratio | 12.0412% | 4,497 |
| Total risk-based capital ratio | 13.1479% | 4,475 |
| Memoranda: | ||
| Average total assets | $109,455,800 | 4,068 |
| Average earning assets | $99,206,200 | 4,115 |
| Average equity | $10,562,200 | 4,367 |
| Average total loans | $72,395,600 | 3,910 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 3,793 |
| Cost of funding earning assets | 0.2359% | 4,690 |
| Net interest margin | 3.6256% | 3,054 |
| Noninterest income to average assets | 1.0065% | 1,010 |
| Noninterest expense to average assets | 2.8051% | 2,706 |
| Loan and lease loss provision to assets | 0.0296% | 3,531 |
| Net operating income to assets | 1.4660% | 964 |
| Return on assets (ROA) | 1.4660% | 978 |
| Pretax return on assets | 1.4660% | 1,892 |
| Return on Equity (ROE) | 14.9703% | 653 |
| Retained earnings to average equity (ytd only) | 14.9703% | 119 |
| Net charge-offs to loans | 0.0453% | 2,535 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 50.5822% | 1,107 |
| Efficiency ratio | 65.2249% | 3,337 |
| Assets per employee ($millions) | 3.9555% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 3,013 |
| Loan loss allowance to noncurrent loans | 377.5785% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 3,302 |
| Noncurrent loans to loans | 0.3140% | 3,827 |
| Net loans and leases to total assets | 65.7185% | 3,145 |
| Net loans and leases to deposits | 73.6753% | 3,609 |
| Net loans and leases to core deposits | 75.4364% | 3,848 |
| Total domestic deposits to total assets | 89.2002% | 779 |
| Equity capital to assets | 10.5723% | 3,287 |
| Core capital (leverage) ratio | 10.0823% | 3,462 |
| Tier 1 risk-based capital ratio | 14.6023% | 3,129 |
| Total risk-based capital ratio | 15.7395% | 3,103 |
| Memoranda: | ||
| Average total assets | $108,227,500 | 4,133 |
| Average earning assets | $98,335,250 | 4,168 |
| Average equity | $10,598,500 | 4,403 |
| Average total loans | $70,622,500 | 3,976 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 3,932 |
| Cost of funding earning assets | 0.2121% | 4,866 |
| Net interest margin | 3.5760% | 3,123 |
| Noninterest income to average assets | 0.9898% | 1,040 |
| Noninterest expense to average assets | 2.7800% | 2,829 |
| Loan and lease loss provision to assets | 0.0368% | 3,271 |
| Net operating income to assets | 1.4296% | 996 |
| Return on assets (ROA) | 1.4296% | 1,025 |
| Pretax return on assets | 1.4296% | 1,899 |
| Return on Equity (ROE) | 14.9889% | 662 |
| Retained earnings to average equity (ytd only) | 14.9889% | 140 |
| Net charge-offs to loans | 0.0482% | 2,250 |
| Credit loss provision to net charge-offs | 117.6471% | 1,808 |
| Earnings coverage of net charge-offs (x) | 46.8824% | 1,131 |
| Efficiency ratio | 65.4679% | 3,439 |
| Assets per employee ($millions) | 4.1912% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 3,075 |
| Loan loss allowance to noncurrent loans | 344.8980% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 3,400 |
| Noncurrent loans to loans | 0.3453% | 3,801 |
| Net loans and leases to total assets | 64.3434% | 3,340 |
| Net loans and leases to deposits | 71.6249% | 3,775 |
| Net loans and leases to core deposits | 73.2892% | 3,997 |
| Total domestic deposits to total assets | 89.8339% | 590 |
| Equity capital to assets | 9.9908% | 3,919 |
| Core capital (leverage) ratio | 9.6772% | 3,927 |
| Tier 1 risk-based capital ratio | 14.1105% | 3,368 |
| Total risk-based capital ratio | 15.2571% | 3,340 |
| Memoranda: | ||
| Average total assets | $108,704,000 | 4,153 |
| Average earning assets | $98,994,330 | 4,179 |
| Average equity | $10,367,670 | 4,457 |
| Average total loans | $70,487,330 | 3,998 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 3,979 |
| Cost of funding earning assets | 0.1853% | 5,111 |
| Net interest margin | 3.5533% | 3,073 |
| Noninterest income to average assets | 0.9321% | 1,160 |
| Noninterest expense to average assets | 2.8111% | 2,753 |
| Loan and lease loss provision to assets | 0.0111% | 3,420 |
| Net operating income to assets | 1.3595% | 1,091 |
| Return on assets (ROA) | 1.3595% | 1,128 |
| Pretax return on assets | 1.3595% | 2,032 |
| Return on Equity (ROE) | 14.6023% | 702 |
| Retained earnings to average equity (ytd only) | 14.6023% | 258 |
| Net charge-offs to loans | 0.0171% | 2,448 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 444 |
| Efficiency ratio | 67.2247% | 3,311 |
| Assets per employee ($millions) | 4.1910% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 3,212 |
| Loan loss allowance to noncurrent loans | 336.8000% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 3,370 |
| Noncurrent loans to loans | 0.3526% | 3,831 |
| Net loans and leases to total assets | 64.2965% | 3,231 |
| Net loans and leases to deposits | 71.1318% | 3,683 |
| Net loans and leases to core deposits | 72.7728% | 3,932 |
| Total domestic deposits to total assets | 90.3907% | 515 |
| Equity capital to assets | 9.4607% | 4,322 |
| Core capital (leverage) ratio | 8.9627% | 4,783 |
| Tier 1 risk-based capital ratio | 13.6827% | 3,670 |
| Total risk-based capital ratio | 14.8499% | 3,634 |
| Memoranda: | ||
| Average total assets | $108,571,000 | 4,197 |
| Average earning assets | $99,288,500 | 4,211 |
| Average equity | $10,108,000 | 4,524 |
| Average total loans | $70,251,000 | 4,044 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 4,453 |
| Cost of funding earning assets | 0.1792% | 5,226 |
| Net interest margin | 3.4439% | 3,646 |
| Noninterest income to average assets | 0.9505% | 1,260 |
| Noninterest expense to average assets | 2.8149% | 2,977 |
| Loan and lease loss provision to assets | 0.0550% | 3,280 |
| Net operating income to assets | 1.2521% | 1,351 |
| Return on assets (ROA) | 1.2521% | 1,430 |
| Pretax return on assets | 1.2521% | 2,464 |
| Return on Equity (ROE) | 13.5103% | 872 |
| Retained earnings to average equity (ytd only) | 3.8672% | 3,170 |
| Net charge-offs to loans | 0.0349% | 3,326 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 59.4167% | 900 |
| Efficiency ratio | 68.2900% | 3,190 |
| Assets per employee ($millions) | 4.0065% | 3,954 |
| Cash dividends to net income (ytd only)* | 71.3763% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,062 |
| Loan loss allowance to noncurrent loans | 332.8063% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 3,499 |
| Noncurrent loans to loans | 0.3635% | 3,821 |
| Net loans and leases to total assets | 63.5600% | 3,411 |
| Net loans and leases to deposits | 70.1034% | 3,891 |
| Net loans and leases to core deposits | 72.1636% | 4,074 |
| Total domestic deposits to total assets | 90.6661% | 398 |
| Equity capital to assets | 9.1583% | 4,636 |
| Core capital (leverage) ratio | 8.9133% | 4,840 |
| Tier 1 risk-based capital ratio | 13.3142% | 3,887 |
| Total risk-based capital ratio | 14.4941% | 3,841 |
| Memoranda: | ||
| Average total assets | $109,097,600 | 4,185 |
| Average earning assets | $100,466,400 | 4,194 |
| Average equity | $10,110,800 | 4,551 |
| Average total loans | $68,720,600 | 4,075 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 4,518 |
| Cost of funding earning assets | 0.1797% | 5,264 |
| Net interest margin | 3.4313% | 3,735 |
| Noninterest income to average assets | 0.9366% | 1,287 |
| Noninterest expense to average assets | 2.8062% | 2,985 |
| Loan and lease loss provision to assets | 0.0634% | 2,975 |
| Net operating income to assets | 1.2342% | 1,502 |
| Return on assets (ROA) | 1.2342% | 1,607 |
| Pretax return on assets | 1.2342% | 2,687 |
| Return on Equity (ROE) | 13.2782% | 973 |
| Retained earnings to average equity (ytd only) | 13.2782% | 208 |
| Net charge-offs to loans | 0.0428% | 2,785 |
| Credit loss provision to net charge-offs | 236.3636% | 1,248 |
| Earnings coverage of net charge-offs (x) | 48.3679% | 1,100 |
| Efficiency ratio | 68.3804% | 3,161 |
| Assets per employee ($millions) | 3.8265% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 3,146 |
| Loan loss allowance to noncurrent loans | 231.5789% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 3,273 |
| Noncurrent loans to loans | 0.5246% | 3,422 |
| Net loans and leases to total assets | 63.4448% | 3,465 |
| Net loans and leases to deposits | 70.6244% | 3,926 |
| Net loans and leases to core deposits | 72.5457% | 4,119 |
| Total domestic deposits to total assets | 89.8341% | 544 |
| Equity capital to assets | 9.9681% | 4,157 |
| Core capital (leverage) ratio | 9.4876% | 4,198 |
| Tier 1 risk-based capital ratio | 14.3554% | 3,364 |
| Total risk-based capital ratio | 15.5412% | 3,335 |
| Memoranda: | ||
| Average total assets | $109,328,250 | 4,210 |
| Average earning assets | $100,912,250 | 4,217 |
| Average equity | $10,161,750 | 4,589 |
| Average total loans | $68,501,250 | 4,108 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 4,597 |
| Cost of funding earning assets | 0.1788% | 5,331 |
| Net interest margin | 3.4185% | 3,814 |
| Noninterest income to average assets | 0.9104% | 1,345 |
| Noninterest expense to average assets | 2.7186% | 3,319 |
| Loan and lease loss provision to assets | 0.0890% | 2,360 |
| Net operating income to assets | 1.2648% | 1,373 |
| Return on assets (ROA) | 1.2648% | 1,494 |
| Pretax return on assets | 1.2648% | 2,542 |
| Return on Equity (ROE) | 13.9353% | 845 |
| Retained earnings to average equity (ytd only) | 13.9353% | 195 |
| Net charge-offs to loans | 0.0146% | 3,241 |
| Credit loss provision to net charge-offs | 980.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 416 |
| Efficiency ratio | 66.7559% | 3,570 |
| Assets per employee ($millions) | 3.7540% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 3,294 |
| Loan loss allowance to noncurrent loans | 3,269.2308% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 4,568 |
| Noncurrent loans to loans | 0.0371% | 5,319 |
| Net loans and leases to total assets | 63.6724% | 3,414 |
| Net loans and leases to deposits | 70.5014% | 3,935 |
| Net loans and leases to core deposits | 72.3877% | 4,137 |
| Total domestic deposits to total assets | 90.3137% | 383 |
| Equity capital to assets | 9.5302% | 4,735 |
| Core capital (leverage) ratio | 8.4719% | 5,388 |
| Tier 1 risk-based capital ratio | 13.7258% | 3,755 |
| Total risk-based capital ratio | 14.9156% | 3,719 |
| Memoranda: | ||
| Average total assets | $110,057,000 | 4,226 |
| Average earning assets | $101,799,330 | 4,229 |
| Average equity | $9,989,000 | 4,645 |
| Average total loans | $68,397,670 | 4,133 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 5,078 |
| Cost of funding earning assets | 0.1759% | 5,413 |
| Net interest margin | 3.2436% | 4,422 |
| Noninterest income to average assets | 0.8242% | 1,544 |
| Noninterest expense to average assets | 2.7256% | 3,323 |
| Loan and lease loss provision to assets | 0.0759% | 2,434 |
| Net operating income to assets | 1.0230% | 2,186 |
| Return on assets (ROA) | 1.0230% | 2,302 |
| Pretax return on assets | 1.0230% | 3,394 |
| Return on Equity (ROE) | 11.5557% | 1,440 |
| Retained earnings to average equity (ytd only) | 11.5557% | 567 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2665% | 2,910 |
| Assets per employee ($millions) | 4.5046% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 3,448 |
| Loan loss allowance to noncurrent loans | 475.2874% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 4,186 |
| Noncurrent loans to loans | 0.2535% | 4,524 |
| Net loans and leases to total assets | 55.7584% | 4,281 |
| Net loans and leases to deposits | 60.8064% | 4,658 |
| Net loans and leases to core deposits | 62.2922% | 4,801 |
| Total domestic deposits to total assets | 91.6981% | 136 |
| Equity capital to assets | 8.1843% | 5,753 |
| Core capital (leverage) ratio | 8.9937% | 4,865 |
| Tier 1 risk-based capital ratio | 13.7885% | 3,821 |
| Total risk-based capital ratio | 15.0025% | 3,773 |
| Memoranda: | ||
| Average total assets | $110,653,000 | 4,253 |
| Average earning assets | $102,355,000 | 4,243 |
| Average equity | $9,796,000 | 4,705 |
| Average total loans | $67,513,000 | 4,178 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 4,272 |
| Cost of funding earning assets | 0.1983% | 5,299 |
| Net interest margin | 3.5327% | 3,407 |
| Noninterest income to average assets | 1.0466% | 1,079 |
| Noninterest expense to average assets | 3.1144% | 2,189 |
| Loan and lease loss provision to assets | 0.0337% | 3,677 |
| Net operating income to assets | 1.1434% | 1,751 |
| Return on assets (ROA) | 1.1434% | 1,819 |
| Pretax return on assets | 1.1434% | 2,870 |
| Return on Equity (ROE) | 11.1220% | 1,575 |
| Retained earnings to average equity (ytd only) | 2.5194% | 4,277 |
| Net charge-offs to loans | 0.0893% | 2,541 |
| Credit loss provision to net charge-offs | 57.1429% | 3,293 |
| Earnings coverage of net charge-offs (x) | 19.9643% | 1,911 |
| Efficiency ratio | 72.5711% | 2,818 |
| Assets per employee ($millions) | 3.6920% | 4,492 |
| Cash dividends to net income (ytd only)* | 77.3481% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 3,392 |
| Loan loss allowance to noncurrent loans | 333.0579% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 3,653 |
| Noncurrent loans to loans | 0.3645% | 4,143 |
| Net loans and leases to total assets | 65.7865% | 3,016 |
| Net loans and leases to deposits | 72.9366% | 3,622 |
| Net loans and leases to core deposits | 75.1576% | 3,835 |
| Total domestic deposits to total assets | 90.1969% | 545 |
| Equity capital to assets | 9.6686% | 4,344 |
| Core capital (leverage) ratio | 9.1826% | 4,641 |
| Tier 1 risk-based capital ratio | 13.9079% | 3,765 |
| Total risk-based capital ratio | 15.1386% | 3,708 |
| Memoranda: | ||
| Average total assets | $94,978,600 | 4,562 |
| Average earning assets | $87,242,400 | 4,552 |
| Average equity | $9,764,400 | 4,696 |
| Average total loans | $62,701,200 | 4,303 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 4,367 |
| Cost of funding earning assets | 0.1993% | 5,379 |
| Net interest margin | 3.5187% | 3,471 |
| Noninterest income to average assets | 1.0177% | 1,148 |
| Noninterest expense to average assets | 3.0205% | 2,460 |
| Loan and lease loss provision to assets | 0.0071% | 4,114 |
| Net operating income to assets | 1.2281% | 1,561 |
| Return on assets (ROA) | 1.2281% | 1,616 |
| Pretax return on assets | 1.2281% | 2,700 |
| Return on Equity (ROE) | 11.7596% | 1,443 |
| Retained earnings to average equity (ytd only) | 11.7596% | 394 |
| Net charge-offs to loans | 0.1122% | 2,005 |
| Credit loss provision to net charge-offs | 9.6154% | 3,454 |
| Earnings coverage of net charge-offs (x) | 16.7120% | 2,099 |
| Efficiency ratio | 70.9753% | 3,052 |
| Assets per employee ($millions) | 3.5801% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 3,565 |
| Loan loss allowance to noncurrent loans | 468.8623% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 3,997 |
| Noncurrent loans to loans | 0.2591% | 4,653 |
| Net loans and leases to total assets | 65.8756% | 3,033 |
| Net loans and leases to deposits | 74.0657% | 3,542 |
| Net loans and leases to core deposits | 76.6697% | 3,724 |
| Total domestic deposits to total assets | 88.9421% | 1,053 |
| Equity capital to assets | 10.6213% | 3,447 |
| Core capital (leverage) ratio | 10.0935% | 3,510 |
| Tier 1 risk-based capital ratio | 14.9639% | 3,311 |
| Total risk-based capital ratio | 16.1685% | 3,285 |
| Memoranda: | ||
| Average total assets | $93,802,500 | 4,638 |
| Average earning assets | $86,318,250 | 4,632 |
| Average equity | $9,796,000 | 4,754 |
| Average total loans | $61,780,500 | 4,372 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 4,422 |
| Cost of funding earning assets | 0.1991% | 5,441 |
| Net interest margin | 3.4972% | 3,513 |
| Noninterest income to average assets | 1.0318% | 1,115 |
| Noninterest expense to average assets | 3.0135% | 2,511 |
| Loan and lease loss provision to assets | 0.0022% | 4,040 |
| Net operating income to assets | 1.2321% | 1,511 |
| Return on assets (ROA) | 1.2321% | 1,579 |
| Pretax return on assets | 1.2321% | 2,639 |
| Return on Equity (ROE) | 11.8685% | 1,414 |
| Retained earnings to average equity (ytd only) | 11.8685% | 406 |
| Net charge-offs to loans | 0.1544% | 1,556 |
| Credit loss provision to net charge-offs | 2.1277% | 3,148 |
| Earnings coverage of net charge-offs (x) | 12.1915% | 2,232 |
| Efficiency ratio | 70.9432% | 3,167 |
| Assets per employee ($millions) | 3.4359% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 3,390 |
| Loan loss allowance to noncurrent loans | 1,045.3333% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 4,414 |
| Noncurrent loans to loans | 0.1216% | 5,270 |
| Net loans and leases to total assets | 63.2930% | 3,372 |
| Net loans and leases to deposits | 70.8480% | 3,839 |
| Net loans and leases to core deposits | 72.7500% | 4,061 |
| Total domestic deposits to total assets | 89.3363% | 984 |
| Equity capital to assets | 10.3227% | 3,660 |
| Core capital (leverage) ratio | 9.9998% | 3,604 |
| Tier 1 risk-based capital ratio | 15.6475% | 3,027 |
| Total risk-based capital ratio | 16.8980% | 2,979 |
| Memoranda: | ||
| Average total assets | $92,848,670 | 4,708 |
| Average earning assets | $85,383,330 | 4,696 |
| Average equity | $9,639,000 | 4,813 |
| Average total loans | $60,887,000 | 4,436 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 4,520 |
| Cost of funding earning assets | 0.2004% | 5,506 |
| Net interest margin | 3.4544% | 3,612 |
| Noninterest income to average assets | 1.0047% | 1,112 |
| Noninterest expense to average assets | 3.0273% | 2,490 |
| Loan and lease loss provision to assets | 0.0044% | 3,654 |
| Net operating income to assets | 1.1495% | 1,706 |
| Return on assets (ROA) | 1.1495% | 1,812 |
| Pretax return on assets | 1.1495% | 2,869 |
| Return on Equity (ROE) | 11.0397% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.0397% | 714 |
| Net charge-offs to loans | 0.1719% | 1,245 |
| Credit loss provision to net charge-offs | 3.8462% | 2,467 |
| Earnings coverage of net charge-offs (x) | 10.1154% | 1,956 |
| Efficiency ratio | 72.4029% | 3,105 |
| Assets per employee ($millions) | 3.5386% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 3,195 |
| Loan loss allowance to noncurrent loans | 609.8485% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 4,046 |
| Noncurrent loans to loans | 0.2195% | 4,992 |
| Net loans and leases to total assets | 64.4842% | 3,032 |
| Net loans and leases to deposits | 72.2939% | 3,511 |
| Net loans and leases to core deposits | 74.3310% | 3,747 |
| Total domestic deposits to total assets | 89.1972% | 1,145 |
| Equity capital to assets | 10.5006% | 3,533 |
| Core capital (leverage) ratio | 9.9938% | 3,607 |
| Tier 1 risk-based capital ratio | 15.5538% | 3,121 |
| Total risk-based capital ratio | 16.8050% | 3,062 |
| Memoranda: | ||
| Average total assets | $91,170,500 | 4,786 |
| Average earning assets | $83,834,000 | 4,780 |
| Average equity | $9,493,000 | 4,881 |
| Average total loans | $60,493,000 | 4,481 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 4,049 |
| Cost of funding earning assets | 0.2404% | 5,420 |
| Net interest margin | 3.6818% | 3,078 |
| Noninterest income to average assets | 1.0282% | 1,157 |
| Noninterest expense to average assets | 3.0546% | 2,671 |
| Loan and lease loss provision to assets | 0.0089% | 4,448 |
| Net operating income to assets | 1.3183% | 1,268 |
| Return on assets (ROA) | 1.3183% | 1,311 |
| Pretax return on assets | 1.3183% | 2,185 |
| Return on Equity (ROE) | 12.6785% | 1,215 |
| Retained earnings to average equity (ytd only) | 3.3246% | 3,859 |
| Net charge-offs to loans | 0.0846% | 3,285 |
| Credit loss provision to net charge-offs | 15.6863% | 4,026 |
| Earnings coverage of net charge-offs (x) | 23.4118% | 1,585 |
| Efficiency ratio | 69.7108% | 3,580 |
| Assets per employee ($millions) | 3.4745% | 4,941 |
| Cash dividends to net income (ytd only)* | 73.7774% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 3,115 |
| Loan loss allowance to noncurrent loans | 466.2921% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 4,128 |
| Noncurrent loans to loans | 0.2925% | 4,804 |
| Net loans and leases to total assets | 66.4434% | 2,817 |
| Net loans and leases to deposits | 74.3457% | 3,391 |
| Net loans and leases to core deposits | 76.7106% | 3,636 |
| Total domestic deposits to total assets | 89.3709% | 1,034 |
| Equity capital to assets | 10.3225% | 3,696 |
| Core capital (leverage) ratio | 9.7372% | 3,921 |
| Tier 1 risk-based capital ratio | 14.7572% | 3,627 |
| Total risk-based capital ratio | 16.0093% | 3,556 |
| Memoranda: | ||
| Average total assets | $89,964,000 | 4,840 |
| Average earning assets | $81,943,600 | 4,857 |
| Average equity | $9,354,400 | 4,891 |
| Average total loans | $60,300,400 | 4,477 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,943 |
| Cost of funding earning assets | 0.2449% | 5,455 |
| Net interest margin | 3.7115% | 2,980 |
| Noninterest income to average assets | 1.0281% | 1,165 |
| Noninterest expense to average assets | 3.0250% | 2,717 |
| Loan and lease loss provision to assets | 0.0059% | 4,298 |
| Net operating income to assets | 1.3693% | 1,197 |
| Return on assets (ROA) | 1.3693% | 1,237 |
| Pretax return on assets | 1.3693% | 2,117 |
| Return on Equity (ROE) | 13.1454% | 1,189 |
| Retained earnings to average equity (ytd only) | 13.1454% | 316 |
| Net charge-offs to loans | 0.0931% | 2,884 |
| Credit loss provision to net charge-offs | 9.5238% | 3,711 |
| Earnings coverage of net charge-offs (x) | 22.0709% | 1,648 |
| Efficiency ratio | 68.7458% | 3,717 |
| Assets per employee ($millions) | 3.5218% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 3,248 |
| Loan loss allowance to noncurrent loans | 588.0282% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 4,509 |
| Noncurrent loans to loans | 0.2356% | 5,194 |
| Net loans and leases to total assets | 64.9157% | 3,038 |
| Net loans and leases to deposits | 73.0973% | 3,551 |
| Net loans and leases to core deposits | 75.6924% | 3,782 |
| Total domestic deposits to total assets | 88.8072% | 1,349 |
| Equity capital to assets | 10.8149% | 3,161 |
| Core capital (leverage) ratio | 10.4489% | 3,104 |
| Tier 1 risk-based capital ratio | 15.9069% | 3,101 |
| Total risk-based capital ratio | 17.1595% | 3,046 |
| Memoranda: | ||
| Average total assets | $89,870,750 | 4,895 |
| Average earning assets | $81,654,250 | 4,913 |
| Average equity | $9,361,750 | 4,933 |
| Average total loans | $60,162,250 | 4,524 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,832 |
| Cost of funding earning assets | 0.2498% | 5,489 |
| Net interest margin | 3.7271% | 2,850 |
| Noninterest income to average assets | 1.0123% | 1,168 |
| Noninterest expense to average assets | 3.0233% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3639% | 1,155 |
| Return on assets (ROA) | 1.3639% | 1,194 |
| Pretax return on assets | 1.3639% | 2,025 |
| Return on Equity (ROE) | 13.2661% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.2661% | 315 |
| Net charge-offs to loans | 0.1264% | 2,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.0263% | 1,818 |
| Efficiency ratio | 68.9127% | 3,847 |
| Assets per employee ($millions) | 3.3940% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 3,618 |
| Loan loss allowance to noncurrent loans | 571.9178% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 4,598 |
| Noncurrent loans to loans | 0.2351% | 5,292 |
| Net loans and leases to total assets | 66.8602% | 2,607 |
| Net loans and leases to deposits | 74.9214% | 3,203 |
| Net loans and leases to core deposits | 77.5629% | 3,490 |
| Total domestic deposits to total assets | 89.2404% | 1,226 |
| Equity capital to assets | 10.4672% | 3,477 |
| Core capital (leverage) ratio | 10.1748% | 3,380 |
| Tier 1 risk-based capital ratio | 14.8064% | 3,753 |
| Total risk-based capital ratio | 16.0575% | 3,694 |
| Memoranda: | ||
| Average total assets | $89,305,000 | 4,947 |
| Average earning assets | $80,866,670 | 4,963 |
| Average equity | $9,181,330 | 4,988 |
| Average total loans | $60,124,000 | 4,545 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 3,931 |
| Cost of funding earning assets | 0.2559% | 5,529 |
| Net interest margin | 3.6834% | 2,936 |
| Noninterest income to average assets | 0.9712% | 1,197 |
| Noninterest expense to average assets | 3.0498% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2526% | 1,339 |
| Return on assets (ROA) | 1.2526% | 1,398 |
| Pretax return on assets | 1.2526% | 2,276 |
| Return on Equity (ROE) | 12.2995% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.2995% | 570 |
| Net charge-offs to loans | 0.2435% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,099 |
| Efficiency ratio | 70.8861% | 3,671 |
| Assets per employee ($millions) | 3.4472% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 3,812 |
| Loan loss allowance to noncurrent loans | 536.5385% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 4,681 |
| Noncurrent loans to loans | 0.2529% | 5,345 |
| Net loans and leases to total assets | 67.8947% | 2,238 |
| Net loans and leases to deposits | 75.8706% | 2,824 |
| Net loans and leases to core deposits | 78.5978% | 3,136 |
| Total domestic deposits to total assets | 89.4875% | 1,372 |
| Equity capital to assets | 10.2268% | 3,567 |
| Core capital (leverage) ratio | 10.0376% | 3,515 |
| Tier 1 risk-based capital ratio | 14.2797% | 4,147 |
| Total risk-based capital ratio | 15.5302% | 4,094 |
| Memoranda: | ||
| Average total assets | $88,138,000 | 5,016 |
| Average earning assets | $79,709,000 | 5,033 |
| Average equity | $8,976,000 | 5,057 |
| Average total loans | $59,133,500 | 4,620 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,757 |
| Cost of funding earning assets | 0.3114% | 5,510 |
| Net interest margin | 3.7843% | 2,710 |
| Noninterest income to average assets | 1.0891% | 1,190 |
| Noninterest expense to average assets | 3.2707% | 2,217 |
| Loan and lease loss provision to assets | 0.0188% | 4,756 |
| Net operating income to assets | 1.2369% | 1,429 |
| Return on assets (ROA) | 1.2369% | 1,490 |
| Pretax return on assets | 1.2369% | 2,430 |
| Return on Equity (ROE) | 11.7098% | 1,515 |
| Retained earnings to average equity (ytd only) | 4.0218% | 3,329 |
| Net charge-offs to loans | 0.0302% | 4,826 |
| Credit loss provision to net charge-offs | 94.1176% | 2,649 |
| Earnings coverage of net charge-offs (x) | 62.9412% | 662 |
| Efficiency ratio | 72.2582% | 3,425 |
| Assets per employee ($millions) | 3.2092% | 5,473 |
| Cash dividends to net income (ytd only)* | 65.6546% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 2,991 |
| Loan loss allowance to noncurrent loans | 516.5680% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 4,689 |
| Noncurrent loans to loans | 0.2987% | 5,290 |
| Net loans and leases to total assets | 64.2881% | 2,995 |
| Net loans and leases to deposits | 71.7644% | 3,554 |
| Net loans and leases to core deposits | 74.4311% | 3,788 |
| Total domestic deposits to total assets | 89.5821% | 1,280 |
| Equity capital to assets | 10.1398% | 3,581 |
| Core capital (leverage) ratio | 9.8618% | 3,754 |
| Tier 1 risk-based capital ratio | 14.6542% | 3,864 |
| Total risk-based capital ratio | 15.9069% | 3,805 |
| Memoranda: | ||
| Average total assets | $85,210,200 | 5,105 |
| Average earning assets | $77,398,800 | 5,108 |
| Average equity | $9,001,000 | 5,079 |
| Average total loans | $56,371,800 | 4,737 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 3,795 |
| Cost of funding earning assets | 0.3237% | 5,518 |
| Net interest margin | 3.7680% | 2,769 |
| Noninterest income to average assets | 1.1235% | 1,159 |
| Noninterest expense to average assets | 3.2354% | 2,244 |
| Loan and lease loss provision to assets | 0.0173% | 4,667 |
| Net operating income to assets | 1.2916% | 1,375 |
| Return on assets (ROA) | 1.2916% | 1,441 |
| Pretax return on assets | 1.2916% | 2,364 |
| Return on Equity (ROE) | 12.1038% | 1,446 |
| Retained earnings to average equity (ytd only) | 12.1038% | 407 |
| Net charge-offs to loans | 0.0308% | 4,518 |
| Credit loss provision to net charge-offs | 84.6154% | 2,736 |
| Earnings coverage of net charge-offs (x) | 64.0877% | 713 |
| Efficiency ratio | 71.1964% | 3,571 |
| Assets per employee ($millions) | 3.1632% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,222 |
| Loan loss allowance to noncurrent loans | 346.0317% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 4,521 |
| Noncurrent loans to loans | 0.4483% | 5,078 |
| Net loans and leases to total assets | 64.7964% | 2,851 |
| Net loans and leases to deposits | 73.0060% | 3,404 |
| Net loans and leases to core deposits | 75.5206% | 3,671 |
| Total domestic deposits to total assets | 88.7549% | 1,690 |
| Equity capital to assets | 10.9419% | 2,814 |
| Core capital (leverage) ratio | 10.4954% | 3,005 |
| Tier 1 risk-based capital ratio | 15.1524% | 3,656 |
| Total risk-based capital ratio | 16.4035% | 3,614 |
| Memoranda: | ||
| Average total assets | $84,850,500 | 5,168 |
| Average earning assets | $77,032,000 | 5,168 |
| Average equity | $9,054,750 | 5,124 |
| Average total loans | $56,320,250 | 4,780 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,637 |
| Cost of funding earning assets | 0.3417% | 5,479 |
| Net interest margin | 3.7851% | 2,611 |
| Noninterest income to average assets | 1.1221% | 1,211 |
| Noninterest expense to average assets | 3.1819% | 2,403 |
| Loan and lease loss provision to assets | 0.0189% | 4,518 |
| Net operating income to assets | 1.3488% | 1,198 |
| Return on assets (ROA) | 1.3488% | 1,288 |
| Pretax return on assets | 1.3488% | 2,128 |
| Return on Equity (ROE) | 12.7484% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.7484% | 413 |
| Net charge-offs to loans | 0.0177% | 4,488 |
| Credit loss provision to net charge-offs | 160.0000% | 1,453 |
| Earnings coverage of net charge-offs (x) | 115.8000% | 416 |
| Efficiency ratio | 69.9377% | 3,837 |
| Assets per employee ($millions) | 3.2962% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 3,224 |
| Loan loss allowance to noncurrent loans | 243.6111% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 4,311 |
| Noncurrent loans to loans | 0.6486% | 4,645 |
| Net loans and leases to total assets | 63.7390% | 2,959 |
| Net loans and leases to deposits | 71.5361% | 3,519 |
| Net loans and leases to core deposits | 74.2238% | 3,776 |
| Total domestic deposits to total assets | 89.1005% | 1,570 |
| Equity capital to assets | 10.6638% | 3,102 |
| Core capital (leverage) ratio | 10.2462% | 3,169 |
| Tier 1 risk-based capital ratio | 14.8241% | 3,892 |
| Total risk-based capital ratio | 16.0764% | 3,860 |
| Memoranda: | ||
| Average total assets | $84,665,330 | 5,205 |
| Average earning assets | $76,668,330 | 5,208 |
| Average equity | $8,958,000 | 5,181 |
| Average total loans | $56,356,330 | 4,811 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 3,262 |
| Cost of funding earning assets | 0.3680% | 5,391 |
| Net interest margin | 3.8432% | 2,310 |
| Noninterest income to average assets | 1.0505% | 1,344 |
| Noninterest expense to average assets | 3.1801% | 2,416 |
| Loan and lease loss provision to assets | 0.0285% | 4,101 |
| Net operating income to assets | 1.3167% | 1,238 |
| Return on assets (ROA) | 1.3167% | 1,342 |
| Pretax return on assets | 1.3167% | 2,169 |
| Return on Equity (ROE) | 12.4951% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.4951% | 628 |
| Net charge-offs to loans | 0.0211% | 3,743 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 94.3333% | 406 |
| Efficiency ratio | 70.2731% | 3,925 |
| Assets per employee ($millions) | 3.1427% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 3,560 |
| Loan loss allowance to noncurrent loans | 324.8148% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 4,712 |
| Noncurrent loans to loans | 0.4812% | 5,218 |
| Net loans and leases to total assets | 65.0914% | 2,530 |
| Net loans and leases to deposits | 72.9848% | 3,055 |
| Net loans and leases to core deposits | 77.2422% | 3,168 |
| Total domestic deposits to total assets | 89.1848% | 1,569 |
| Equity capital to assets | 10.6030% | 3,428 |
| Core capital (leverage) ratio | 10.1703% | 3,182 |
| Tier 1 risk-based capital ratio | 14.2653% | 4,314 |
| Total risk-based capital ratio | 15.5189% | 4,283 |
| Memoranda: | ||
| Average total assets | $84,147,500 | 5,260 |
| Average earning assets | $76,082,500 | 5,265 |
| Average equity | $8,867,500 | 5,249 |
| Average total loans | $56,783,500 | 4,828 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 2,728 |
| Cost of funding earning assets | 0.4569% | 5,527 |
| Net interest margin | 4.2091% | 1,636 |
| Noninterest income to average assets | 1.1541% | 1,173 |
| Noninterest expense to average assets | 3.1888% | 2,652 |
| Loan and lease loss provision to assets | 0.0705% | 4,858 |
| Net operating income to assets | 1.6886% | 633 |
| Return on assets (ROA) | 1.6886% | 709 |
| Pretax return on assets | 1.6886% | 1,163 |
| Return on Equity (ROE) | 15.9899% | 661 |
| Retained earnings to average equity (ytd only) | 6.4995% | 1,821 |
| Net charge-offs to loans | 0.0651% | 5,039 |
| Credit loss provision to net charge-offs | 156.7568% | 1,720 |
| Earnings coverage of net charge-offs (x) | 39.1351% | 814 |
| Efficiency ratio | 64.4488% | 4,807 |
| Assets per employee ($millions) | 3.0904% | 5,856 |
| Cash dividends to net income (ytd only)* | 59.3525% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 3,658 |
| Loan loss allowance to noncurrent loans | 309.9291% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 4,407 |
| Noncurrent loans to loans | 0.4908% | 5,304 |
| Net loans and leases to total assets | 67.8124% | 2,210 |
| Net loans and leases to deposits | 75.9211% | 2,817 |
| Net loans and leases to core deposits | 81.1322% | 2,866 |
| Total domestic deposits to total assets | 89.3195% | 1,357 |
| Equity capital to assets | 10.4719% | 3,559 |
| Core capital (leverage) ratio | 10.2601% | 3,065 |
| Tier 1 risk-based capital ratio | 13.6111% | 4,664 |
| Total risk-based capital ratio | 14.8644% | 4,607 |
| Memoranda: | ||
| Average total assets | $82,318,600 | 5,294 |
| Average earning assets | $74,197,000 | 5,306 |
| Average equity | $8,693,000 | 5,308 |
| Average total loans | $56,835,600 | 4,840 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 2,832 |
| Cost of funding earning assets | 0.4664% | 5,668 |
| Net interest margin | 4.2268% | 1,655 |
| Noninterest income to average assets | 1.1588% | 1,138 |
| Noninterest expense to average assets | 3.1351% | 2,783 |
| Loan and lease loss provision to assets | 0.0699% | 4,797 |
| Net operating income to assets | 1.7682% | 609 |
| Return on assets (ROA) | 1.7682% | 676 |
| Pretax return on assets | 1.7682% | 1,126 |
| Return on Equity (ROE) | 16.7090% | 639 |
| Retained earnings to average equity (ytd only) | 16.7090% | 161 |
| Net charge-offs to loans | 0.0094% | 5,580 |
| Credit loss provision to net charge-offs | 1,075.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 282.9193% | 163 |
| Efficiency ratio | 63.0392% | 4,970 |
| Assets per employee ($millions) | 2.9404% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 3,745 |
| Loan loss allowance to noncurrent loans | 307.5862% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 4,774 |
| Noncurrent loans to loans | 0.5028% | 5,436 |
| Net loans and leases to total assets | 71.5261% | 1,642 |
| Net loans and leases to deposits | 81.2273% | 2,222 |
| Net loans and leases to core deposits | 85.8430% | 2,484 |
| Total domestic deposits to total assets | 88.0567% | 2,014 |
| Equity capital to assets | 11.6674% | 2,572 |
| Core capital (leverage) ratio | 11.1854% | 2,220 |
| Tier 1 risk-based capital ratio | 14.6820% | 4,063 |
| Total risk-based capital ratio | 15.9343% | 4,025 |
| Memoranda: | ||
| Average total assets | $82,037,750 | 5,351 |
| Average earning assets | $74,034,500 | 5,367 |
| Average equity | $8,681,750 | 5,356 |
| Average total loans | $56,680,000 | 4,895 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 3,628 |
| Cost of funding earning assets | 0.4813% | 5,746 |
| Net interest margin | 4.0532% | 2,279 |
| Noninterest income to average assets | 1.1288% | 1,120 |
| Noninterest expense to average assets | 3.1307% | 2,816 |
| Loan and lease loss provision to assets | 0.0748% | 4,689 |
| Net operating income to assets | 1.5798% | 870 |
| Return on assets (ROA) | 1.5798% | 973 |
| Pretax return on assets | 1.5798% | 1,604 |
| Return on Equity (ROE) | 15.4336% | 861 |
| Retained earnings to average equity (ytd only) | 15.4336% | 257 |
| Net charge-offs to loans | 0.0035% | 5,463 |
| Credit loss provision to net charge-offs | 3,100.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 686.0000% | 50 |
| Efficiency ratio | 65.4234% | 4,644 |
| Assets per employee ($millions) | 2.9031% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 3,899 |
| Loan loss allowance to noncurrent loans | 206.7916% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 4,342 |
| Noncurrent loans to loans | 0.7369% | 5,037 |
| Net loans and leases to total assets | 72.7933% | 1,426 |
| Net loans and leases to deposits | 82.2555% | 2,084 |
| Net loans and leases to core deposits | 87.2969% | 2,280 |
| Total domestic deposits to total assets | 88.4965% | 1,820 |
| Equity capital to assets | 11.2713% | 2,829 |
| Core capital (leverage) ratio | 10.4087% | 2,912 |
| Tier 1 risk-based capital ratio | 14.0186% | 4,438 |
| Total risk-based capital ratio | 15.2701% | 4,397 |
| Memoranda: | ||
| Average total assets | $82,919,670 | 5,352 |
| Average earning assets | $74,804,670 | 5,367 |
| Average equity | $8,488,000 | 5,422 |
| Average total loans | $56,347,330 | 4,941 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 4,577 |
| Cost of funding earning assets | 0.5028% | 5,799 |
| Net interest margin | 3.8356% | 3,216 |
| Noninterest income to average assets | 1.0612% | 1,282 |
| Noninterest expense to average assets | 3.0615% | 3,048 |
| Loan and lease loss provision to assets | 0.0329% | 4,963 |
| Net operating income to assets | 1.4415% | 1,138 |
| Return on assets (ROA) | 1.4415% | 1,272 |
| Pretax return on assets | 1.4415% | 2,049 |
| Return on Equity (ROE) | 14.7694% | 1,020 |
| Retained earnings to average equity (ytd only) | 14.7694% | 475 |
| Net charge-offs to loans | 0.0072% | 4,636 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 103 |
| Efficiency ratio | 67.4948% | 4,273 |
| Assets per employee ($millions) | 3.1595% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 3,966 |
| Loan loss allowance to noncurrent loans | 198.3834% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 4,622 |
| Noncurrent loans to loans | 0.7788% | 5,106 |
| Net loans and leases to total assets | 64.1659% | 2,822 |
| Net loans and leases to deposits | 71.3719% | 3,531 |
| Net loans and leases to core deposits | 74.3137% | 3,862 |
| Total domestic deposits to total assets | 89.9035% | 1,139 |
| Equity capital to assets | 9.9148% | 4,236 |
| Core capital (leverage) ratio | 9.5354% | 4,003 |
| Tier 1 risk-based capital ratio | 13.6897% | 4,688 |
| Total risk-based capital ratio | 14.9411% | 4,669 |
| Memoranda: | ||
| Average total assets | $85,187,000 | 5,334 |
| Average earning assets | $77,172,000 | 5,323 |
| Average equity | $8,314,500 | 5,496 |
| Average total loans | $55,550,000 | 4,993 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 3,568 |
| Cost of funding earning assets | 0.5655% | 6,260 |
| Net interest margin | 4.2880% | 1,739 |
| Noninterest income to average assets | 1.1373% | 1,015 |
| Noninterest expense to average assets | 3.4531% | 2,111 |
| Loan and lease loss provision to assets | 0.1368% | 4,910 |
| Net operating income to assets | 1.4362% | 955 |
| Return on assets (ROA) | 1.4362% | 1,037 |
| Pretax return on assets | 1.4362% | 1,666 |
| Return on Equity (ROE) | 13.4102% | 1,064 |
| Retained earnings to average equity (ytd only) | 5.3839% | 2,388 |
| Net charge-offs to loans | 0.1016% | 5,338 |
| Credit loss provision to net charge-offs | 187.2727% | 1,376 |
| Earnings coverage of net charge-offs (x) | 21.5273% | 1,091 |
| Efficiency ratio | 68.1998% | 4,314 |
| Assets per employee ($millions) | 3.1506% | 5,807 |
| Cash dividends to net income (ytd only)* | 59.8520% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,842 |
| Loan loss allowance to noncurrent loans | 171.9758% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 4,674 |
| Noncurrent loans to loans | 0.8936% | 4,901 |
| Net loans and leases to total assets | 64.2435% | 3,134 |
| Net loans and leases to deposits | 71.2228% | 3,911 |
| Net loans and leases to core deposits | 73.7716% | 4,277 |
| Total domestic deposits to total assets | 90.2007% | 881 |
| Equity capital to assets | 9.6054% | 4,738 |
| Core capital (leverage) ratio | 10.0354% | 3,293 |
| Tier 1 risk-based capital ratio | 13.2058% | 4,909 |
| Total risk-based capital ratio | 14.4582% | 4,888 |
| Memoranda: | ||
| Average total assets | $75,265,600 | 5,596 |
| Average earning assets | $68,260,200 | 5,603 |
| Average equity | $8,061,000 | 5,553 |
| Average total loans | $54,118,600 | 5,110 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 3,180 |
| Cost of funding earning assets | 0.5949% | 6,300 |
| Net interest margin | 4.3861% | 1,444 |
| Noninterest income to average assets | 1.1536% | 986 |
| Noninterest expense to average assets | 3.5358% | 1,841 |
| Loan and lease loss provision to assets | 0.0897% | 5,337 |
| Net operating income to assets | 1.5106% | 912 |
| Return on assets (ROA) | 1.5106% | 994 |
| Pretax return on assets | 1.5106% | 1,621 |
| Return on Equity (ROE) | 13.6923% | 1,111 |
| Retained earnings to average equity (ytd only) | 11.6177% | 538 |
| Net charge-offs to loans | 0.0198% | 5,875 |
| Credit loss provision to net charge-offs | 612.5000% | 437 |
| Earnings coverage of net charge-offs (x) | 109.2127% | 332 |
| Efficiency ratio | 68.1640% | 4,285 |
| Assets per employee ($millions) | 2.7653% | 6,550 |
| Cash dividends to net income (ytd only)* | 15.1513% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 3,917 |
| Loan loss allowance to noncurrent loans | 110.2999% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 4,573 |
| Noncurrent loans to loans | 1.3952% | 4,206 |
| Net loans and leases to total assets | 72.4941% | 1,612 |
| Net loans and leases to deposits | 82.0106% | 2,355 |
| Net loans and leases to core deposits | 85.5492% | 2,840 |
| Total domestic deposits to total assets | 88.3960% | 1,810 |
| Equity capital to assets | 11.3160% | 2,847 |
| Core capital (leverage) ratio | 10.5420% | 2,819 |
| Tier 1 risk-based capital ratio | 14.1172% | 4,267 |
| Total risk-based capital ratio | 15.3699% | 4,236 |
| Memoranda: | ||
| Average total assets | $72,815,250 | 5,714 |
| Average earning assets | $66,116,500 | 5,706 |
| Average equity | $8,033,500 | 5,588 |
| Average total loans | $53,772,500 | 5,172 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 3,422 |
| Cost of funding earning assets | 0.6085% | 6,416 |
| Net interest margin | 4.3352% | 1,550 |
| Noninterest income to average assets | 1.0665% | 1,159 |
| Noninterest expense to average assets | 3.5070% | 1,962 |
| Loan and lease loss provision to assets | 0.0776% | 5,342 |
| Net operating income to assets | 1.4294% | 1,024 |
| Return on assets (ROA) | 1.4294% | 1,086 |
| Pretax return on assets | 1.4294% | 1,724 |
| Return on Equity (ROE) | 13.0716% | 1,183 |
| Retained earnings to average equity (ytd only) | 9.9050% | 870 |
| Net charge-offs to loans | 0.0262% | 5,456 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 77.7143% | 437 |
| Efficiency ratio | 68.8950% | 4,342 |
| Assets per employee ($millions) | 2.6828% | 6,664 |
| Cash dividends to net income (ytd only)* | 24.2248% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 4,079 |
| Loan loss allowance to noncurrent loans | 132.7974% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 4,661 |
| Noncurrent loans to loans | 1.1383% | 4,754 |
| Net loans and leases to total assets | 71.6446% | 1,852 |
| Net loans and leases to deposits | 80.5864% | 2,689 |
| Net loans and leases to core deposits | 83.9162% | 3,227 |
| Total domestic deposits to total assets | 88.9041% | 1,596 |
| Equity capital to assets | 10.8456% | 3,135 |
| Core capital (leverage) ratio | 10.4771% | 2,734 |
| Tier 1 risk-based capital ratio | 13.7364% | 4,355 |
| Total risk-based capital ratio | 14.9904% | 4,325 |
| Memoranda: | ||
| Average total assets | $72,199,000 | 5,774 |
| Average earning assets | $65,740,330 | 5,765 |
| Average equity | $7,895,000 | 5,651 |
| Average total loans | $53,372,330 | 5,232 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 3,497 |
| Cost of funding earning assets | 0.6434% | 6,408 |
| Net interest margin | 4.2749% | 1,649 |
| Noninterest income to average assets | 1.0461% | 1,203 |
| Noninterest expense to average assets | 3.5397% | 1,904 |
| Loan and lease loss provision to assets | 0.0848% | 4,939 |
| Net operating income to assets | 1.3288% | 1,205 |
| Return on assets (ROA) | 1.3288% | 1,252 |
| Pretax return on assets | 1.3288% | 1,948 |
| Return on Equity (ROE) | 12.0994% | 1,433 |
| Retained earnings to average equity (ytd only) | 5.6635% | 2,819 |
| Net charge-offs to loans | 0.0076% | 5,007 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 126 |
| Efficiency ratio | 69.8630% | 4,305 |
| Assets per employee ($millions) | 2.5378% | 6,935 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 4,010 |
| Loan loss allowance to noncurrent loans | 128.7736% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 4,537 |
| Noncurrent loans to loans | 1.1955% | 4,690 |
| Net loans and leases to total assets | 73.7144% | 1,389 |
| Net loans and leases to deposits | 83.0717% | 2,177 |
| Net loans and leases to core deposits | 85.7550% | 2,908 |
| Total domestic deposits to total assets | 88.7360% | 1,933 |
| Equity capital to assets | 11.0079% | 2,679 |
| Core capital (leverage) ratio | 10.2292% | 2,900 |
| Tier 1 risk-based capital ratio | 13.4650% | 4,445 |
| Total risk-based capital ratio | 14.7185% | 4,424 |
| Memoranda: | ||
| Average total assets | $70,739,500 | 5,855 |
| Average earning assets | $64,656,000 | 5,835 |
| Average equity | $7,769,000 | 5,685 |
| Average total loans | $52,736,500 | 5,299 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 5,646 |
| Cost of funding earning assets | 0.8496% | 6,372 |
| Net interest margin | 3.8927% | 3,528 |
| Noninterest income to average assets | 0.9906% | 1,535 |
| Noninterest expense to average assets | 3.4125% | 2,404 |
| Loan and lease loss provision to assets | 0.1253% | 5,910 |
| Net operating income to assets | 1.0283% | 1,941 |
| Return on assets (ROA) | 1.0283% | 2,046 |
| Pretax return on assets | 1.0283% | 2,841 |
| Return on Equity (ROE) | 10.2199% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.7018% | 1,077 |
| Net charge-offs to loans | 0.1302% | 5,598 |
| Credit loss provision to net charge-offs | 140.9091% | 2,674 |
| Earnings coverage of net charge-offs (x) | 12.9697% | 1,453 |
| Efficiency ratio | 73.0519% | 3,589 |
| Assets per employee ($millions) | 2.6082% | 6,845 |
| Cash dividends to net income (ytd only)* | 24.6396% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 3,815 |
| Loan loss allowance to noncurrent loans | 124.7678% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 4,559 |
| Noncurrent loans to loans | 1.2358% | 4,654 |
| Net loans and leases to total assets | 73.0862% | 1,852 |
| Net loans and leases to deposits | 82.3304% | 2,742 |
| Net loans and leases to core deposits | 85.7200% | 3,359 |
| Total domestic deposits to total assets | 88.7718% | 1,785 |
| Equity capital to assets | 10.9570% | 2,727 |
| Core capital (leverage) ratio | 10.0694% | 3,005 |
| Tier 1 risk-based capital ratio | 13.5997% | 4,133 |
| Total risk-based capital ratio | 14.8533% | 4,098 |
| Memoranda: | ||
| Average total assets | $74,197,200 | 5,757 |
| Average earning assets | $68,152,800 | 5,727 |
| Average equity | $7,465,800 | 5,887 |
| Average total loans | $50,710,600 | 5,455 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 6,214 |
| Cost of funding earning assets | 0.8891% | 6,440 |
| Net interest margin | 3.7553% | 4,165 |
| Noninterest income to average assets | 0.9564% | 1,599 |
| Noninterest expense to average assets | 3.3163% | 2,525 |
| Loan and lease loss provision to assets | 0.1153% | 5,874 |
| Net operating income to assets | 0.9724% | 2,330 |
| Return on assets (ROA) | 0.9724% | 2,448 |
| Pretax return on assets | 0.9724% | 3,282 |
| Return on Equity (ROE) | 9.8693% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.8693% | 823 |
| Net charge-offs to loans | 0.1245% | 5,309 |
| Credit loss provision to net charge-offs | 138.2979% | 2,886 |
| Earnings coverage of net charge-offs (x) | 13.0415% | 1,629 |
| Efficiency ratio | 73.5697% | 3,403 |
| Assets per employee ($millions) | 2.6471% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 3,882 |
| Loan loss allowance to noncurrent loans | 111.7812% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 4,634 |
| Noncurrent loans to loans | 1.3575% | 4,596 |
| Net loans and leases to total assets | 72.3738% | 2,174 |
| Net loans and leases to deposits | 81.4022% | 3,198 |
| Net loans and leases to core deposits | 85.2357% | 3,763 |
| Total domestic deposits to total assets | 88.9089% | 1,443 |
| Equity capital to assets | 10.7790% | 3,193 |
| Core capital (leverage) ratio | 9.9848% | 3,273 |
| Tier 1 risk-based capital ratio | 13.1171% | 4,487 |
| Total risk-based capital ratio | 14.3699% | 4,460 |
| Memoranda: | ||
| Average total assets | $75,141,250 | 5,801 |
| Average earning assets | $68,984,500 | 5,771 |
| Average equity | $7,403,250 | 5,985 |
| Average total loans | $50,319,750 | 5,556 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 6,495 |
| Cost of funding earning assets | 0.9150% | 6,520 |
| Net interest margin | 3.6716% | 4,490 |
| Noninterest income to average assets | 0.8878% | 1,731 |
| Noninterest expense to average assets | 3.2057% | 2,878 |
| Loan and lease loss provision to assets | 0.1021% | 5,894 |
| Net operating income to assets | 0.9533% | 2,350 |
| Return on assets (ROA) | 0.9533% | 2,440 |
| Pretax return on assets | 0.9533% | 3,297 |
| Return on Equity (ROE) | 9.9685% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.9685% | 850 |
| Net charge-offs to loans | 0.1654% | 4,620 |
| Credit loss provision to net charge-offs | 95.1220% | 4,257 |
| Earnings coverage of net charge-offs (x) | 9.8293% | 1,969 |
| Efficiency ratio | 73.5095% | 3,558 |
| Assets per employee ($millions) | 2.7149% | 6,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 3,703 |
| Loan loss allowance to noncurrent loans | 236.8902% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 5,737 |
| Noncurrent loans to loans | 0.6507% | 5,954 |
| Net loans and leases to total assets | 67.7025% | 3,455 |
| Net loans and leases to deposits | 75.6628% | 4,389 |
| Net loans and leases to core deposits | 80.5466% | 4,623 |
| Total domestic deposits to total assets | 89.4793% | 1,193 |
| Equity capital to assets | 10.2424% | 3,717 |
| Core capital (leverage) ratio | 9.2099% | 4,286 |
| Tier 1 risk-based capital ratio | 13.1345% | 4,333 |
| Total risk-based capital ratio | 14.3869% | 4,290 |
| Memoranda: | ||
| Average total assets | $76,364,330 | 5,793 |
| Average earning assets | $70,161,000 | 5,765 |
| Average equity | $7,303,000 | 6,032 |
| Average total loans | $49,585,000 | 5,626 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 6,888 |
| Cost of funding earning assets | 0.9387% | 6,622 |
| Net interest margin | 3.5146% | 5,103 |
| Noninterest income to average assets | 0.7086% | 2,537 |
| Noninterest expense to average assets | 3.1222% | 3,173 |
| Loan and lease loss provision to assets | 0.0873% | 5,767 |
| Net operating income to assets | 0.7292% | 3,311 |
| Return on assets (ROA) | 0.7292% | 3,419 |
| Pretax return on assets | 0.7292% | 4,125 |
| Return on Equity (ROE) | 7.8883% | 2,941 |
| Retained earnings to average equity (ytd only) | 7.8883% | 1,754 |
| Net charge-offs to loans | 0.3335% | 3,077 |
| Credit loss provision to net charge-offs | 41.4634% | 4,616 |
| Earnings coverage of net charge-offs (x) | 3.8780% | 2,759 |
| Efficiency ratio | 77.4446% | 2,985 |
| Assets per employee ($millions) | 2.8903% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,814 |
| Loan loss allowance to noncurrent loans | 151.0000% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 5,399 |
| Noncurrent loans to loans | 1.0062% | 5,312 |
| Net loans and leases to total assets | 62.7066% | 4,613 |
| Net loans and leases to deposits | 69.3278% | 5,428 |
| Net loans and leases to core deposits | 75.6466% | 5,304 |
| Total domestic deposits to total assets | 90.4495% | 760 |
| Equity capital to assets | 9.3108% | 4,818 |
| Core capital (leverage) ratio | 8.5729% | 5,250 |
| Tier 1 risk-based capital ratio | 12.1722% | 5,017 |
| Total risk-based capital ratio | 13.4232% | 4,988 |
| Memoranda: | ||
| Average total assets | $77,895,000 | 5,824 |
| Average earning assets | $71,587,000 | 5,792 |
| Average equity | $7,200,500 | 6,115 |
| Average total loans | $49,175,000 | 5,705 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 6,400 |
| Cost of funding earning assets | 1.3322% | 6,204 |
| Net interest margin | 3.6793% | 4,222 |
| Noninterest income to average assets | 0.7590% | 2,624 |
| Noninterest expense to average assets | 3.4577% | 2,500 |
| Loan and lease loss provision to assets | 0.6152% | 3,334 |
| Net operating income to assets | 0.0691% | 5,295 |
| Return on assets (ROA) | 0.0691% | 5,337 |
| Pretax return on assets | 0.0691% | 5,277 |
| Return on Equity (ROE) | 0.7028% | 5,328 |
| Retained earnings to average equity (ytd only) | -0.4217% | 5,070 |
| Net charge-offs to loans | 0.5198% | 3,696 |
| Credit loss provision to net charge-offs | 173.8281% | 2,430 |
| Earnings coverage of net charge-offs (x) | 1.9336% | 4,273 |
| Efficiency ratio | 81.5754% | 2,661 |
| Assets per employee ($millions) | 2.8797% | 6,495 |
| Cash dividends to net income (ytd only)* | 160.0000% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 3,277 |
| Loan loss allowance to noncurrent loans | 134.7751% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 5,150 |
| Noncurrent loans to loans | 1.1878% | 4,955 |
| Net loans and leases to total assets | 61.5817% | 5,088 |
| Net loans and leases to deposits | 68.0398% | 5,821 |
| Net loans and leases to core deposits | 89.4521% | 5,185 |
| Total domestic deposits to total assets | 90.5083% | 741 |
| Equity capital to assets | 9.1766% | 4,878 |
| Core capital (leverage) ratio | 8.3293% | 5,557 |
| Tier 1 risk-based capital ratio | 12.3053% | 4,678 |
| Total risk-based capital ratio | 13.5568% | 4,637 |
| Memoranda: | ||
| Average total assets | $72,331,400 | 5,934 |
| Average earning assets | $66,506,800 | 5,916 |
| Average equity | $7,114,600 | 6,231 |
| Average total loans | $49,254,000 | 5,709 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 6,216 |
| Cost of funding earning assets | 1.3931% | 6,257 |
| Net interest margin | 3.7204% | 3,986 |
| Noninterest income to average assets | 0.7683% | 2,603 |
| Noninterest expense to average assets | 3.4621% | 2,383 |
| Loan and lease loss provision to assets | 0.7570% | 2,473 |
| Net operating income to assets | -0.0244% | 5,749 |
| Return on assets (ROA) | -0.0244% | 5,814 |
| Pretax return on assets | -0.0244% | 5,747 |
| Return on Equity (ROE) | -0.2438% | 5,819 |
| Retained earnings to average equity (ytd only) | -1.7441% | 5,668 |
| Net charge-offs to loans | 0.6720% | 2,677 |
| Credit loss provision to net charge-offs | 161.8474% | 2,916 |
| Earnings coverage of net charge-offs (x) | 1.5663% | 4,617 |
| Efficiency ratio | 80.6090% | 2,756 |
| Assets per employee ($millions) | 2.8436% | 6,553 |
| Cash dividends to net income (ytd only)* | -615.4645% | 8,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,170 |
| Loan loss allowance to noncurrent loans | 124.2070% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 4,731 |
| Noncurrent loans to loans | 1.2527% | 4,852 |
| Net loans and leases to total assets | 61.3113% | 5,359 |
| Net loans and leases to deposits | 67.8960% | 6,132 |
| Net loans and leases to core deposits | 86.6093% | 5,808 |
| Total domestic deposits to total assets | 90.3018% | 666 |
| Equity capital to assets | 9.2293% | 5,115 |
| Core capital (leverage) ratio | 8.5474% | 5,408 |
| Tier 1 risk-based capital ratio | 12.1985% | 4,790 |
| Total risk-based capital ratio | 13.4502% | 4,740 |
| Memoranda: | ||
| Average total assets | $70,976,250 | 6,013 |
| Average earning assets | $65,368,500 | 5,985 |
| Average equity | $7,109,500 | 6,286 |
| Average total loans | $49,402,500 | 5,747 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1989% | 6,079 |
| Cost of funding earning assets | 1.4634% | 6,283 |
| Net interest margin | 3.7355% | 3,807 |
| Noninterest income to average assets | 0.7010% | 2,990 |
| Noninterest expense to average assets | 3.5283% | 2,260 |
| Loan and lease loss provision to assets | 1.1008% | 1,557 |
| Net operating income to assets | -0.4896% | 6,535 |
| Return on assets (ROA) | -0.4896% | 6,547 |
| Pretax return on assets | -0.4896% | 6,414 |
| Return on Equity (ROE) | -4.7490% | 6,579 |
| Retained earnings to average equity (ytd only) | -6.9970% | 6,558 |
| Net charge-offs to loans | 0.9733% | 1,795 |
| Credit loss provision to net charge-offs | 156.3786% | 2,942 |
| Earnings coverage of net charge-offs (x) | 0.8683% | 4,882 |
| Efficiency ratio | 83.2050% | 2,579 |
| Assets per employee ($millions) | 2.8463% | 6,524 |
| Cash dividends to net income (ytd only)* | -47.3373% | 8,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 3,457 |
| Loan loss allowance to noncurrent loans | 126.8761% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 4,580 |
| Noncurrent loans to loans | 1.1436% | 4,927 |
| Net loans and leases to total assets | 66.7225% | 4,411 |
| Net loans and leases to deposits | 74.0255% | 5,448 |
| Net loans and leases to core deposits | 92.9083% | 5,249 |
| Total domestic deposits to total assets | 90.1345% | 773 |
| Equity capital to assets | 9.3372% | 4,814 |
| Core capital (leverage) ratio | 8.8906% | 4,799 |
| Tier 1 risk-based capital ratio | 11.4847% | 5,396 |
| Total risk-based capital ratio | 12.7357% | 5,312 |
| Memoranda: | ||
| Average total assets | $69,042,670 | 6,108 |
| Average earning assets | $63,552,000 | 6,091 |
| Average equity | $7,117,330 | 6,334 |
| Average total loans | $49,931,000 | 5,769 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 5,584 |
| Cost of funding earning assets | 1.5515% | 6,226 |
| Net interest margin | 3.8167% | 3,381 |
| Noninterest income to average assets | 0.9014% | 1,846 |
| Noninterest expense to average assets | 3.5756% | 1,915 |
| Loan and lease loss provision to assets | 0.1082% | 5,587 |
| Net operating income to assets | 0.7211% | 3,459 |
| Return on assets (ROA) | 0.7211% | 3,657 |
| Pretax return on assets | 0.7211% | 4,356 |
| Return on Equity (ROE) | 6.6473% | 3,750 |
| Retained earnings to average equity (ytd only) | 2.2158% | 4,638 |
| Net charge-offs to loans | 0.0080% | 5,554 |
| Credit loss provision to net charge-offs | 1,800.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 318 |
| Efficiency ratio | 79.2633% | 2,950 |
| Assets per employee ($millions) | 2.6655% | 6,952 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 4,779 |
| Loan loss allowance to noncurrent loans | 137.3303% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 4,551 |
| Noncurrent loans to loans | 0.8765% | 5,262 |
| Net loans and leases to total assets | 71.8901% | 3,263 |
| Net loans and leases to deposits | 80.6142% | 4,519 |
| Net loans and leases to core deposits | 98.2973% | 4,713 |
| Total domestic deposits to total assets | 89.1780% | 1,156 |
| Equity capital to assets | 10.4281% | 3,535 |
| Core capital (leverage) ratio | 9.9484% | 3,460 |
| Tier 1 risk-based capital ratio | 12.0818% | 4,897 |
| Total risk-based capital ratio | 13.2038% | 4,905 |
| Memoranda: | ||
| Average total assets | $66,561,500 | 6,229 |
| Average earning assets | $61,100,500 | 6,210 |
| Average equity | $7,221,000 | 6,329 |
| Average total loans | $49,844,000 | 5,800 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2802% | 4,067 |
| Cost of funding earning assets | 2.0952% | 6,073 |
| Net interest margin | 4.1851% | 2,368 |
| Noninterest income to average assets | 1.2373% | 973 |
| Noninterest expense to average assets | 3.9378% | 1,505 |
| Loan and lease loss provision to assets | 0.1891% | 4,996 |
| Net operating income to assets | 0.9552% | 2,765 |
| Return on assets (ROA) | 0.9552% | 2,633 |
| Pretax return on assets | 0.9552% | 3,540 |
| Return on Equity (ROE) | 8.2494% | 2,955 |
| Retained earnings to average equity (ytd only) | -1.7717% | 5,806 |
| Net charge-offs to loans | 0.0542% | 6,012 |
| Credit loss provision to net charge-offs | 472.0000% | 932 |
| Earnings coverage of net charge-offs (x) | 28.5600% | 1,211 |
| Efficiency ratio | 75.6859% | 3,286 |
| Assets per employee ($millions) | 2.4546% | 7,290 |
| Cash dividends to net income (ytd only)* | 121.4765% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 4,549 |
| Loan loss allowance to noncurrent loans | 304.1237% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 4,915 |
| Noncurrent loans to loans | 0.3938% | 6,161 |
| Net loans and leases to total assets | 76.2598% | 2,554 |
| Net loans and leases to deposits | 86.3814% | 4,057 |
| Net loans and leases to core deposits | 101.7861% | 4,639 |
| Total domestic deposits to total assets | 88.2827% | 1,344 |
| Equity capital to assets | 11.3052% | 2,798 |
| Core capital (leverage) ratio | 10.3454% | 3,124 |
| Tier 1 risk-based capital ratio | 12.3632% | 4,538 |
| Total risk-based capital ratio | 13.4885% | 4,530 |
| Memoranda: | ||
| Average total assets | $62,395,600 | 6,303 |
| Average earning assets | $57,322,600 | 6,288 |
| Average equity | $7,224,800 | 6,372 |
| Average total loans | $46,104,200 | 5,871 |