Home > Damariscotta Bank & Trust Co. > Performance and Condition Ratios
Damariscotta Bank & Trust Co., Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3633% | 4,396 |
| Cost of funding earning assets | 0.3894% | 3,869 |
| Net interest margin | 2.9739% | 4,038 |
| Noninterest income to average assets | 0.4116% | 3,021 |
| Noninterest expense to average assets | 3.0734% | 1,281 |
| Loan and lease loss provision to assets | 0.0301% | 3,956 |
| Net operating income to assets | 0.1256% | 4,675 |
| Return on assets (ROA) | 0.1328% | 4,693 |
| Pretax return on assets | 0.1743% | 4,678 |
| Return on Equity (ROE) | 1.4424% | 4,632 |
| Retained earnings to average equity (ytd only) | -2.2849% | 4,721 |
| Net charge-offs to loans | -0.0011% | 3,817 |
| Credit loss provision to net charge-offs | -4,600.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0253% | 263 |
| Assets per employee ($millions) | 4.5500% | 3,783 |
| Cash dividends to net income (ytd only)* | 258.4158% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 3,922 |
| Loan loss allowance to noncurrent loans | 33.2764% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 446 |
| Noncurrent loans to loans | 2.8311% | 348 |
| Net loans and leases to total assets | 58.6771% | 3,356 |
| Net loans and leases to deposits | 65.1439% | 3,684 |
| Net loans and leases to core deposits | 67.6576% | 3,777 |
| Total domestic deposits to total assets | 90.0730% | 399 |
| Equity capital to assets | 8.8964% | 4,186 |
| Core capital (leverage) ratio | 8.9352% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3164% | 1,002 |
| Memoranda: | ||
| Average total assets | $202,765,750 | 2,897 |
| Average earning assets | $194,803,250 | 2,857 |
| Average equity | $18,672,500 | 3,309 |
| Average total loans | $125,881,750 | 2,916 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 4,286 |
| Cost of funding earning assets | 0.4385% | 3,854 |
| Net interest margin | 3.1463% | 3,793 |
| Noninterest income to average assets | 0.4228% | 2,955 |
| Noninterest expense to average assets | 3.1936% | 1,176 |
| Loan and lease loss provision to assets | 0.0239% | 3,949 |
| Net operating income to assets | 0.1714% | 4,604 |
| Return on assets (ROA) | 0.1825% | 4,637 |
| Pretax return on assets | 0.2383% | 4,597 |
| Return on Equity (ROE) | 1.9583% | 4,542 |
| Retained earnings to average equity (ytd only) | -3.6276% | 4,703 |
| Net charge-offs to loans | -0.0016% | 3,790 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7868% | 326 |
| Assets per employee ($millions) | 4.4597% | 3,836 |
| Cash dividends to net income (ytd only)* | 285.2459% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 3,968 |
| Loan loss allowance to noncurrent loans | 23.6386% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 2.3632% | 253 |
| Noncurrent loans to loans | 3.8406% | 184 |
| Net loans and leases to total assets | 60.9733% | 3,218 |
| Net loans and leases to deposits | 67.8438% | 3,584 |
| Net loans and leases to core deposits | 71.0372% | 3,642 |
| Total domestic deposits to total assets | 89.8730% | 438 |
| Equity capital to assets | 9.0688% | 4,023 |
| Core capital (leverage) ratio | 9.2533% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7918% | 1,088 |
| Memoranda: | ||
| Average total assets | $200,588,333 | 2,897 |
| Average earning assets | $192,477,000 | 2,852 |
| Average equity | $18,690,000 | 3,304 |
| Average total loans | $126,516,333 | 2,898 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 4,003 |
| Cost of funding earning assets | 0.5305% | 3,786 |
| Net interest margin | 3.3874% | 3,331 |
| Noninterest income to average assets | 0.4135% | 3,006 |
| Noninterest expense to average assets | 3.2737% | 1,276 |
| Loan and lease loss provision to assets | 0.0444% | 3,224 |
| Net operating income to assets | 0.2439% | 4,456 |
| Return on assets (ROA) | 0.2662% | 4,442 |
| Pretax return on assets | 0.3691% | 4,353 |
| Return on Equity (ROE) | 2.8186% | 4,261 |
| Retained earnings to average equity (ytd only) | -8.3276% | 4,708 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4708% | 514 |
| Assets per employee ($millions) | 3.9040% | 4,044 |
| Cash dividends to net income (ytd only)* | 395.4545% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,099 |
| Loan loss allowance to noncurrent loans | 38.2402% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.6071% | 635 |
| Noncurrent loans to loans | 2.3572% | 528 |
| Net loans and leases to total assets | 64.3755% | 3,018 |
| Net loans and leases to deposits | 72.2592% | 3,413 |
| Net loans and leases to core deposits | 77.3551% | 3,397 |
| Total domestic deposits to total assets | 89.0897% | 625 |
| Equity capital to assets | 9.5036% | 4,216 |
| Core capital (leverage) ratio | 9.4404% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2500% | 1,287 |
| Memoranda: | ||
| Average total assets | $198,310,500 | 2,889 |
| Average earning assets | $190,000,000 | 2,831 |
| Average equity | $18,733,000 | 3,296 |
| Average total loans | $126,660,000 | 2,876 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 4,162 |
| Cost of funding earning assets | 0.6287% | 3,512 |
| Net interest margin | 3.4125% | 3,710 |
| Noninterest income to average assets | 0.5128% | 2,660 |
| Noninterest expense to average assets | 3.2190% | 1,476 |
| Loan and lease loss provision to assets | 0.0221% | 3,588 |
| Net operating income to assets | 0.4167% | 4,570 |
| Return on assets (ROA) | 0.5200% | 4,411 |
| Pretax return on assets | 0.6677% | 4,287 |
| Return on Equity (ROE) | 5.4704% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.1614% | 3,439 |
| Net charge-offs to loans | 0.0361% | 2,662 |
| Credit loss provision to net charge-offs | 95.5556% | 2,583 |
| Earnings coverage of net charge-offs (x) | 24.2222% | 1,782 |
| Efficiency ratio | 85.2043% | 592 |
| Assets per employee ($millions) | 3.8735% | 4,055 |
| Cash dividends to net income (ytd only)* | 42.2091% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 4,024 |
| Loan loss allowance to noncurrent loans | 38.5091% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.4601% | 705 |
| Noncurrent loans to loans | 2.3009% | 517 |
| Net loans and leases to total assets | 62.2552% | 3,371 |
| Net loans and leases to deposits | 69.5322% | 3,708 |
| Net loans and leases to core deposits | 74.2096% | 3,702 |
| Total domestic deposits to total assets | 89.5344% | 479 |
| Equity capital to assets | 9.3908% | 4,437 |
| Core capital (leverage) ratio | 9.6101% | 3,952 |
| Tier 1 risk-based capital ratio | 16.3099% | 2,290 |
| Total risk-based capital ratio | 17.3452% | 2,317 |
| Memoranda: | ||
| Average total assets | $194,995,600 | 2,880 |
| Average earning assets | $186,577,200 | 2,825 |
| Average equity | $18,536,000 | 3,272 |
| Average total loans | $124,742,200 | 2,880 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 4,244 |
| Cost of funding earning assets | 0.6431% | 3,488 |
| Net interest margin | 3.4124% | 3,833 |
| Noninterest income to average assets | 0.4709% | 2,900 |
| Noninterest expense to average assets | 3.0701% | 1,779 |
| Loan and lease loss provision to assets | 0.0228% | 3,453 |
| Net operating income to assets | 0.4980% | 4,521 |
| Return on assets (ROA) | 0.6129% | 4,312 |
| Pretax return on assets | 0.7866% | 4,148 |
| Return on Equity (ROE) | 6.4274% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.3330% | 3,741 |
| Net charge-offs to loans | 0.0021% | 3,363 |
| Credit loss provision to net charge-offs | 1,650.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 480.8876% | 207 |
| Efficiency ratio | 82.2194% | 742 |
| Assets per employee ($millions) | 3.7165% | 4,258 |
| Cash dividends to net income (ytd only)* | 48.1439% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 3,947 |
| Loan loss allowance to noncurrent loans | 36.6815% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6434% | 629 |
| Noncurrent loans to loans | 2.5209% | 459 |
| Net loans and leases to total assets | 63.9775% | 3,290 |
| Net loans and leases to deposits | 71.7458% | 3,631 |
| Net loans and leases to core deposits | 76.7895% | 3,642 |
| Total domestic deposits to total assets | 89.1724% | 562 |
| Equity capital to assets | 9.7202% | 4,276 |
| Core capital (leverage) ratio | 9.8473% | 3,789 |
| Tier 1 risk-based capital ratio | 16.2315% | 2,358 |
| Total risk-based capital ratio | 17.2970% | 2,351 |
| Memoranda: | ||
| Average total assets | $193,389,250 | 2,914 |
| Average earning assets | $184,929,000 | 2,866 |
| Average equity | $18,441,250 | 3,309 |
| Average total loans | $124,298,750 | 2,917 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 4,241 |
| Cost of funding earning assets | 0.6544% | 3,389 |
| Net interest margin | 3.4118% | 3,860 |
| Noninterest income to average assets | 0.4446% | 2,987 |
| Noninterest expense to average assets | 3.0822% | 1,782 |
| Loan and lease loss provision to assets | 0.0362% | 3,092 |
| Net operating income to assets | 0.4554% | 4,629 |
| Return on assets (ROA) | 0.6090% | 4,323 |
| Pretax return on assets | 0.7817% | 4,134 |
| Return on Equity (ROE) | 6.4278% | 3,898 |
| Retained earnings to average equity (ytd only) | 1.7570% | 4,189 |
| Net charge-offs to loans | 0.0064% | 2,926 |
| Credit loss provision to net charge-offs | 875.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 150.7500% | 495 |
| Efficiency ratio | 83.1752% | 717 |
| Assets per employee ($millions) | 3.8194% | 4,097 |
| Cash dividends to net income (ytd only)* | 72.6655% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 3,937 |
| Loan loss allowance to noncurrent loans | 42.0248% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 756 |
| Noncurrent loans to loans | 2.2281% | 598 |
| Net loans and leases to total assets | 65.2364% | 3,202 |
| Net loans and leases to deposits | 73.3807% | 3,564 |
| Net loans and leases to core deposits | 78.6855% | 3,526 |
| Total domestic deposits to total assets | 88.9014% | 705 |
| Equity capital to assets | 9.8760% | 4,078 |
| Core capital (leverage) ratio | 9.7841% | 3,842 |
| Tier 1 risk-based capital ratio | 16.2467% | 2,312 |
| Total risk-based capital ratio | 17.3130% | 2,330 |
| Memoranda: | ||
| Average total assets | $193,433,330 | 2,928 |
| Average earning assets | $184,889,330 | 2,873 |
| Average equity | $18,326,670 | 3,315 |
| Average total loans | $124,133,330 | 2,936 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 4,355 |
| Cost of funding earning assets | 0.6276% | 3,422 |
| Net interest margin | 3.3785% | 3,942 |
| Noninterest income to average assets | 0.4232% | 3,027 |
| Noninterest expense to average assets | 2.9811% | 2,047 |
| Loan and lease loss provision to assets | 0.0346% | 2,934 |
| Net operating income to assets | 0.4943% | 4,536 |
| Return on assets (ROA) | 0.7081% | 3,953 |
| Pretax return on assets | 0.9096% | 3,736 |
| Return on Equity (ROE) | 7.6280% | 3,411 |
| Retained earnings to average equity (ytd only) | -1.7536% | 4,727 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5702% | 915 |
| Assets per employee ($millions) | 3.8217% | 4,157 |
| Cash dividends to net income (ytd only)* | 122.9885% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,075 |
| Loan loss allowance to noncurrent loans | 39.0010% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.5248% | 775 |
| Noncurrent loans to loans | 2.3603% | 568 |
| Net loans and leases to total assets | 62.9529% | 3,407 |
| Net loans and leases to deposits | 70.5897% | 3,726 |
| Net loans and leases to core deposits | 76.1250% | 3,654 |
| Total domestic deposits to total assets | 89.1815% | 777 |
| Equity capital to assets | 9.3455% | 4,391 |
| Core capital (leverage) ratio | 9.3083% | 4,353 |
| Tier 1 risk-based capital ratio | 15.9039% | 2,486 |
| Total risk-based capital ratio | 16.9494% | 2,490 |
| Memoranda: | ||
| Average total assets | $196,575,000 | 2,936 |
| Average earning assets | $188,012,500 | 2,870 |
| Average equity | $18,248,500 | 3,332 |
| Average total loans | $124,578,000 | 2,970 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 4,326 |
| Cost of funding earning assets | 0.3702% | 4,157 |
| Net interest margin | 3.5051% | 3,687 |
| Noninterest income to average assets | 0.4402% | 3,165 |
| Noninterest expense to average assets | 2.8931% | 2,376 |
| Loan and lease loss provision to assets | 0.0733% | 2,671 |
| Net operating income to assets | 0.6319% | 4,331 |
| Return on assets (ROA) | 0.6319% | 4,338 |
| Pretax return on assets | 0.8102% | 4,143 |
| Return on Equity (ROE) | 6.8224% | 3,888 |
| Retained earnings to average equity (ytd only) | 4.1967% | 3,244 |
| Net charge-offs to loans | 0.0355% | 2,694 |
| Credit loss provision to net charge-offs | 320.4545% | 977 |
| Earnings coverage of net charge-offs (x) | 38.6364% | 1,349 |
| Efficiency ratio | 76.6066% | 1,283 |
| Assets per employee ($millions) | 3.8871% | 4,047 |
| Cash dividends to net income (ytd only)* | 38.4868% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 4,186 |
| Loan loss allowance to noncurrent loans | 35.5043% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6106% | 700 |
| Noncurrent loans to loans | 2.5240% | 479 |
| Net loans and leases to total assets | 62.6470% | 3,501 |
| Net loans and leases to deposits | 69.9346% | 3,831 |
| Net loans and leases to core deposits | 73.1918% | 3,911 |
| Total domestic deposits to total assets | 89.5795% | 629 |
| Equity capital to assets | 9.2220% | 4,390 |
| Core capital (leverage) ratio | 9.3897% | 4,245 |
| Tier 1 risk-based capital ratio | 15.8224% | 2,488 |
| Total risk-based capital ratio | 16.8816% | 2,483 |
| Memoranda: | ||
| Average total assets | $192,421,200 | 2,938 |
| Average earning assets | $183,160,800 | 2,885 |
| Average equity | $17,823,600 | 3,314 |
| Average total loans | $123,831,200 | 2,955 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,451 |
| Cost of funding earning assets | 0.3357% | 4,271 |
| Net interest margin | 3.4587% | 3,836 |
| Noninterest income to average assets | 0.4559% | 3,133 |
| Noninterest expense to average assets | 2.8793% | 2,371 |
| Loan and lease loss provision to assets | 0.1061% | 1,892 |
| Net operating income to assets | 0.5914% | 4,523 |
| Return on assets (ROA) | 0.5914% | 4,531 |
| Pretax return on assets | 0.7582% | 4,405 |
| Return on Equity (ROE) | 6.3770% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.1546% | 4,167 |
| Net charge-offs to loans | 0.0454% | 2,192 |
| Credit loss provision to net charge-offs | 361.9048% | 875 |
| Earnings coverage of net charge-offs (x) | 29.4755% | 1,628 |
| Efficiency ratio | 76.9116% | 1,240 |
| Assets per employee ($millions) | 3.8718% | 4,074 |
| Cash dividends to net income (ytd only)* | 50.5309% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 4,250 |
| Loan loss allowance to noncurrent loans | 33.1389% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.8188% | 631 |
| Noncurrent loans to loans | 2.7253% | 445 |
| Net loans and leases to total assets | 64.3875% | 3,376 |
| Net loans and leases to deposits | 71.9766% | 3,772 |
| Net loans and leases to core deposits | 74.6263% | 3,901 |
| Total domestic deposits to total assets | 89.4562% | 686 |
| Equity capital to assets | 9.3434% | 4,231 |
| Core capital (leverage) ratio | 9.3118% | 4,384 |
| Tier 1 risk-based capital ratio | 15.3539% | 2,717 |
| Total risk-based capital ratio | 16.4893% | 2,690 |
| Memoranda: | ||
| Average total assets | $190,965,500 | 2,978 |
| Average earning assets | $181,526,250 | 2,931 |
| Average equity | $17,709,000 | 3,352 |
| Average total loans | $123,459,750 | 2,985 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 4,498 |
| Cost of funding earning assets | 0.3103% | 4,349 |
| Net interest margin | 3.4249% | 3,882 |
| Noninterest income to average assets | 0.4429% | 3,202 |
| Noninterest expense to average assets | 2.8797% | 2,406 |
| Loan and lease loss provision to assets | 0.0842% | 2,228 |
| Net operating income to assets | 0.5692% | 4,589 |
| Return on assets (ROA) | 0.5692% | 4,587 |
| Pretax return on assets | 0.7302% | 4,435 |
| Return on Equity (ROE) | 6.1538% | 4,173 |
| Retained earnings to average equity (ytd only) | 1.2854% | 4,695 |
| Net charge-offs to loans | 0.0685% | 1,656 |
| Credit loss provision to net charge-offs | 190.4762% | 1,349 |
| Earnings coverage of net charge-offs (x) | 18.4286% | 1,903 |
| Efficiency ratio | 77.9550% | 1,203 |
| Assets per employee ($millions) | 3.7777% | 4,242 |
| Cash dividends to net income (ytd only)* | 79.1128% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,518 |
| Loan loss allowance to noncurrent loans | 30.1930% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.8895% | 585 |
| Noncurrent loans to loans | 2.8461% | 413 |
| Net loans and leases to total assets | 64.9886% | 3,277 |
| Net loans and leases to deposits | 72.6860% | 3,662 |
| Net loans and leases to core deposits | 74.6177% | 3,833 |
| Total domestic deposits to total assets | 89.4101% | 771 |
| Equity capital to assets | 9.3850% | 4,202 |
| Core capital (leverage) ratio | 9.4566% | 4,165 |
| Tier 1 risk-based capital ratio | 15.0768% | 2,835 |
| Total risk-based capital ratio | 16.1315% | 2,851 |
| Memoranda: | ||
| Average total assets | $190,090,000 | 3,005 |
| Average earning assets | $180,442,330 | 2,959 |
| Average equity | $17,582,670 | 3,385 |
| Average total loans | $122,684,670 | 3,005 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,507 |
| Cost of funding earning assets | 0.2969% | 4,374 |
| Net interest margin | 3.3856% | 3,929 |
| Noninterest income to average assets | 0.4510% | 3,102 |
| Noninterest expense to average assets | 2.9304% | 2,254 |
| Loan and lease loss provision to assets | 0.0671% | 2,424 |
| Net operating income to assets | 0.5118% | 4,662 |
| Return on assets (ROA) | 0.5118% | 4,665 |
| Pretax return on assets | 0.6587% | 4,549 |
| Return on Equity (ROE) | 5.5738% | 4,292 |
| Retained earnings to average equity (ytd only) | -4.0890% | 5,147 |
| Net charge-offs to loans | 0.0033% | 2,621 |
| Credit loss provision to net charge-offs | 3,200.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 346.0000% | 196 |
| Efficiency ratio | 80.1492% | 1,119 |
| Assets per employee ($millions) | 3.8444% | 4,223 |
| Cash dividends to net income (ytd only)* | 173.3607% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 4,592 |
| Loan loss allowance to noncurrent loans | 47.7848% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.2581% | 1,184 |
| Noncurrent loans to loans | 1.8057% | 926 |
| Net loans and leases to total assets | 64.4712% | 3,245 |
| Net loans and leases to deposits | 72.1829% | 3,589 |
| Net loans and leases to core deposits | 76.4289% | 3,632 |
| Total domestic deposits to total assets | 89.3165% | 954 |
| Equity capital to assets | 9.2460% | 4,321 |
| Core capital (leverage) ratio | 9.1809% | 4,462 |
| Tier 1 risk-based capital ratio | 15.1470% | 2,807 |
| Total risk-based capital ratio | 16.2174% | 2,812 |
| Memoranda: | ||
| Average total assets | $190,691,500 | 3,024 |
| Average earning assets | $180,530,500 | 2,984 |
| Average equity | $17,510,500 | 3,416 |
| Average total loans | $122,117,500 | 3,037 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 4,516 |
| Cost of funding earning assets | 0.3163% | 3,990 |
| Net interest margin | 3.3105% | 4,125 |
| Noninterest income to average assets | 0.4486% | 3,317 |
| Noninterest expense to average assets | 2.8506% | 2,606 |
| Loan and lease loss provision to assets | 0.0438% | 3,367 |
| Net operating income to assets | 0.3300% | 4,876 |
| Return on assets (ROA) | 0.3320% | 4,892 |
| Pretax return on assets | 0.6946% | 4,522 |
| Return on Equity (ROE) | 3.6128% | 4,644 |
| Retained earnings to average equity (ytd only) | 0.9132% | 4,655 |
| Net charge-offs to loans | 0.0885% | 2,210 |
| Credit loss provision to net charge-offs | 77.5701% | 2,982 |
| Earnings coverage of net charge-offs (x) | 13.0187% | 2,429 |
| Efficiency ratio | 79.4966% | 1,160 |
| Assets per employee ($millions) | 3.9390% | 4,063 |
| Cash dividends to net income (ytd only)* | 74.7218% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 4,688 |
| Loan loss allowance to noncurrent loans | 46.7852% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 1,200 |
| Noncurrent loans to loans | 1.8015% | 888 |
| Net loans and leases to total assets | 62.5385% | 3,551 |
| Net loans and leases to deposits | 69.7499% | 3,899 |
| Net loans and leases to core deposits | 72.7401% | 3,991 |
| Total domestic deposits to total assets | 89.6611% | 702 |
| Equity capital to assets | 9.1208% | 4,600 |
| Core capital (leverage) ratio | 9.1489% | 4,461 |
| Tier 1 risk-based capital ratio | 15.3921% | 2,663 |
| Total risk-based capital ratio | 16.4529% | 2,677 |
| Memoranda: | ||
| Average total assets | $189,467,400 | 3,025 |
| Average earning assets | $179,551,600 | 2,969 |
| Average equity | $17,410,400 | 3,447 |
| Average total loans | $120,919,200 | 3,048 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5830% | 4,602 |
| Cost of funding earning assets | 0.3081% | 4,050 |
| Net interest margin | 3.2749% | 4,240 |
| Noninterest income to average assets | 0.4490% | 3,339 |
| Noninterest expense to average assets | 2.8450% | 2,581 |
| Loan and lease loss provision to assets | 0.0643% | 2,787 |
| Net operating income to assets | 0.4235% | 4,947 |
| Return on assets (ROA) | 0.4263% | 4,970 |
| Pretax return on assets | 0.6476% | 4,733 |
| Return on Equity (ROE) | 4.6307% | 4,659 |
| Retained earnings to average equity (ytd only) | 1.3285% | 4,872 |
| Net charge-offs to loans | 0.1082% | 1,704 |
| Credit loss provision to net charge-offs | 92.8571% | 2,420 |
| Earnings coverage of net charge-offs (x) | 10.2145% | 2,620 |
| Efficiency ratio | 80.0796% | 1,092 |
| Assets per employee ($millions) | 3.6252% | 4,552 |
| Cash dividends to net income (ytd only)* | 71.3102% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 4,738 |
| Loan loss allowance to noncurrent loans | 44.6681% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.4153% | 1,098 |
| Noncurrent loans to loans | 1.9145% | 907 |
| Net loans and leases to total assets | 64.1455% | 3,376 |
| Net loans and leases to deposits | 73.9264% | 3,580 |
| Net loans and leases to core deposits | 77.3151% | 3,696 |
| Total domestic deposits to total assets | 86.7693% | 1,967 |
| Equity capital to assets | 9.3444% | 4,597 |
| Core capital (leverage) ratio | 9.1459% | 4,574 |
| Tier 1 risk-based capital ratio | 15.3072% | 2,791 |
| Total risk-based capital ratio | 16.3569% | 2,798 |
| Memoranda: | ||
| Average total assets | $188,582,000 | 3,060 |
| Average earning assets | $178,727,500 | 3,002 |
| Average equity | $17,362,000 | 3,482 |
| Average total loans | $120,716,250 | 3,073 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 4,778 |
| Cost of funding earning assets | 0.2917% | 4,166 |
| Net interest margin | 3.2036% | 4,408 |
| Noninterest income to average assets | 0.4316% | 3,480 |
| Noninterest expense to average assets | 2.8620% | 2,533 |
| Loan and lease loss provision to assets | 0.0414% | 3,179 |
| Net operating income to assets | 0.3733% | 5,039 |
| Return on assets (ROA) | 0.3775% | 5,055 |
| Pretax return on assets | 0.5737% | 4,855 |
| Return on Equity (ROE) | 4.1209% | 4,794 |
| Retained earnings to average equity (ytd only) | -0.8566% | 5,214 |
| Net charge-offs to loans | 0.1330% | 1,362 |
| Credit loss provision to net charge-offs | 48.7500% | 2,577 |
| Earnings coverage of net charge-offs (x) | 7.1750% | 2,631 |
| Efficiency ratio | 82.4626% | 961 |
| Assets per employee ($millions) | 3.5825% | 4,604 |
| Cash dividends to net income (ytd only)* | 120.7865% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 4,866 |
| Loan loss allowance to noncurrent loans | 48.4398% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 1,351 |
| Noncurrent loans to loans | 1.7187% | 1,058 |
| Net loans and leases to total assets | 64.5155% | 3,309 |
| Net loans and leases to deposits | 74.3320% | 3,513 |
| Net loans and leases to core deposits | 78.6264% | 3,539 |
| Total domestic deposits to total assets | 86.7937% | 2,041 |
| Equity capital to assets | 9.3150% | 4,606 |
| Core capital (leverage) ratio | 9.4366% | 4,190 |
| Tier 1 risk-based capital ratio | 15.0930% | 2,889 |
| Total risk-based capital ratio | 16.1254% | 2,910 |
| Memoranda: | ||
| Average total assets | $188,606,330 | 3,074 |
| Average earning assets | $178,924,330 | 3,016 |
| Average equity | $17,277,670 | 3,502 |
| Average total loans | $120,300,670 | 3,086 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 4,886 |
| Cost of funding earning assets | 0.2820% | 4,236 |
| Net interest margin | 3.1398% | 4,530 |
| Noninterest income to average assets | 0.4300% | 3,446 |
| Noninterest expense to average assets | 2.8836% | 2,509 |
| Loan and lease loss provision to assets | 0.0527% | 2,755 |
| Net operating income to assets | 0.3101% | 5,166 |
| Return on assets (ROA) | 0.3183% | 5,175 |
| Pretax return on assets | 0.4869% | 4,991 |
| Return on Equity (ROE) | 3.5035% | 4,961 |
| Retained earnings to average equity (ytd only) | -6.4733% | 5,459 |
| Net charge-offs to loans | 0.2536% | 713 |
| Credit loss provision to net charge-offs | 32.8947% | 2,101 |
| Earnings coverage of net charge-offs (x) | 3.2895% | 2,497 |
| Efficiency ratio | 84.5488% | 923 |
| Assets per employee ($millions) | 3.6431% | 4,583 |
| Cash dividends to net income (ytd only)* | 284.7682% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 4,955 |
| Loan loss allowance to noncurrent loans | 65.2515% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 1,846 |
| Noncurrent loans to loans | 1.2875% | 1,567 |
| Net loans and leases to total assets | 63.4646% | 3,338 |
| Net loans and leases to deposits | 70.8856% | 3,706 |
| Net loans and leases to core deposits | 74.1755% | 3,815 |
| Total domestic deposits to total assets | 89.5311% | 883 |
| Equity capital to assets | 9.2111% | 4,607 |
| Core capital (leverage) ratio | 9.0208% | 4,707 |
| Tier 1 risk-based capital ratio | 15.1592% | 2,895 |
| Total risk-based capital ratio | 16.1695% | 2,930 |
| Memoranda: | ||
| Average total assets | $189,764,500 | 3,088 |
| Average earning assets | $180,137,500 | 3,034 |
| Average equity | $17,240,000 | 3,510 |
| Average total loans | $119,853,500 | 3,108 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,701 |
| Cost of funding earning assets | 0.2987% | 4,080 |
| Net interest margin | 3.2316% | 4,352 |
| Noninterest income to average assets | 0.4045% | 3,841 |
| Noninterest expense to average assets | 2.8516% | 2,840 |
| Loan and lease loss provision to assets | 0.0688% | 2,982 |
| Net operating income to assets | 0.3543% | 5,069 |
| Return on assets (ROA) | 0.3586% | 5,146 |
| Pretax return on assets | 0.5437% | 4,937 |
| Return on Equity (ROE) | 3.8308% | 4,893 |
| Retained earnings to average equity (ytd only) | 1.3760% | 4,718 |
| Net charge-offs to loans | 0.0716% | 2,673 |
| Credit loss provision to net charge-offs | 150.0000% | 1,823 |
| Earnings coverage of net charge-offs (x) | 13.2143% | 2,385 |
| Efficiency ratio | 82.4755% | 1,148 |
| Assets per employee ($millions) | 3.7256% | 4,436 |
| Cash dividends to net income (ytd only)* | 64.0791% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,902 |
| Loan loss allowance to noncurrent loans | 31.3995% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.8180% | 802 |
| Noncurrent loans to loans | 2.7684% | 532 |
| Net loans and leases to total assets | 61.8084% | 3,633 |
| Net loans and leases to deposits | 68.7445% | 4,028 |
| Net loans and leases to core deposits | 71.1602% | 4,139 |
| Total domestic deposits to total assets | 89.9102% | 676 |
| Equity capital to assets | 8.9640% | 4,855 |
| Core capital (leverage) ratio | 9.1763% | 4,513 |
| Tier 1 risk-based capital ratio | 15.3543% | 2,818 |
| Total risk-based capital ratio | 16.3780% | 2,840 |
| Memoranda: | ||
| Average total assets | $183,193,000 | 3,133 |
| Average earning assets | $173,074,000 | 3,079 |
| Average equity | $17,150,600 | 3,538 |
| Average total loans | $117,343,600 | 3,105 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5929% | 4,575 |
| Cost of funding earning assets | 0.3015% | 4,081 |
| Net interest margin | 3.2914% | 4,214 |
| Noninterest income to average assets | 0.4143% | 3,820 |
| Noninterest expense to average assets | 2.9013% | 2,643 |
| Loan and lease loss provision to assets | 0.0554% | 3,145 |
| Net operating income to assets | 0.3700% | 5,113 |
| Return on assets (ROA) | 0.3759% | 5,187 |
| Pretax return on assets | 0.5701% | 4,956 |
| Return on Equity (ROE) | 3.9695% | 4,914 |
| Retained earnings to average equity (ytd only) | 0.6863% | 5,178 |
| Net charge-offs to loans | 0.0641% | 2,433 |
| Credit loss provision to net charge-offs | 133.9286% | 1,938 |
| Earnings coverage of net charge-offs (x) | 14.9117% | 2,216 |
| Efficiency ratio | 82.4727% | 1,135 |
| Assets per employee ($millions) | 3.6094% | 4,636 |
| Cash dividends to net income (ytd only)* | 82.7113% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 5,000 |
| Loan loss allowance to noncurrent loans | 30.3129% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 1.9862% | 784 |
| Noncurrent loans to loans | 2.8462% | 560 |
| Net loans and leases to total assets | 62.8736% | 3,539 |
| Net loans and leases to deposits | 70.1777% | 3,970 |
| Net loans and leases to core deposits | 72.6476% | 4,109 |
| Total domestic deposits to total assets | 89.5919% | 630 |
| Equity capital to assets | 9.1997% | 4,972 |
| Core capital (leverage) ratio | 9.1354% | 4,677 |
| Tier 1 risk-based capital ratio | 15.4844% | 2,839 |
| Total risk-based capital ratio | 16.5112% | 2,863 |
| Memoranda: | ||
| Average total assets | $180,558,500 | 3,170 |
| Average earning assets | $170,256,250 | 3,120 |
| Average equity | $17,096,750 | 3,568 |
| Average total loans | $116,481,500 | 3,131 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,500 |
| Cost of funding earning assets | 0.3027% | 4,099 |
| Net interest margin | 3.3293% | 4,122 |
| Noninterest income to average assets | 0.4075% | 3,818 |
| Noninterest expense to average assets | 2.9577% | 2,492 |
| Loan and lease loss provision to assets | 0.0427% | 3,296 |
| Net operating income to assets | 0.3582% | 5,159 |
| Return on assets (ROA) | 0.3670% | 5,220 |
| Pretax return on assets | 0.5567% | 5,007 |
| Return on Equity (ROE) | 3.8380% | 4,976 |
| Retained earnings to average equity (ytd only) | -1.1033% | 5,449 |
| Net charge-offs to loans | -0.0086% | 4,661 |
| Credit loss provision to net charge-offs | -760.0000% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4653% | 1,090 |
| Assets per employee ($millions) | 3.4054% | 4,913 |
| Cash dividends to net income (ytd only)* | 128.7462% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 4,968 |
| Loan loss allowance to noncurrent loans | 30.8121% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 2.2245% | 682 |
| Noncurrent loans to loans | 2.9098% | 523 |
| Net loans and leases to total assets | 64.3672% | 3,310 |
| Net loans and leases to deposits | 72.0465% | 3,781 |
| Net loans and leases to core deposits | 76.0024% | 3,823 |
| Total domestic deposits to total assets | 89.3411% | 743 |
| Equity capital to assets | 9.4555% | 4,812 |
| Core capital (leverage) ratio | 9.7252% | 3,898 |
| Tier 1 risk-based capital ratio | 15.1836% | 2,990 |
| Total risk-based capital ratio | 16.2057% | 3,037 |
| Memoranda: | ||
| Average total assets | $178,181,000 | 3,208 |
| Average earning assets | $167,843,330 | 3,170 |
| Average equity | $17,040,000 | 3,584 |
| Average total loans | $115,630,330 | 3,148 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 4,368 |
| Cost of funding earning assets | 0.3069% | 4,090 |
| Net interest margin | 3.3802% | 3,938 |
| Noninterest income to average assets | 0.3773% | 4,007 |
| Noninterest expense to average assets | 3.0346% | 2,289 |
| Loan and lease loss provision to assets | 0.0249% | 3,352 |
| Net operating income to assets | 0.3322% | 5,206 |
| Return on assets (ROA) | 0.3322% | 5,290 |
| Pretax return on assets | 0.5039% | 5,080 |
| Return on Equity (ROE) | 3.4533% | 5,084 |
| Retained earnings to average equity (ytd only) | -6.4368% | 5,691 |
| Net charge-offs to loans | -0.0383% | 5,190 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1617% | 1,050 |
| Assets per employee ($millions) | 3.2957% | 5,134 |
| Cash dividends to net income (ytd only)* | 286.3946% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 5,086 |
| Loan loss allowance to noncurrent loans | 37.2648% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 924 |
| Noncurrent loans to loans | 2.3921% | 811 |
| Net loans and leases to total assets | 65.5619% | 3,018 |
| Net loans and leases to deposits | 73.5950% | 3,486 |
| Net loans and leases to core deposits | 78.4495% | 3,457 |
| Total domestic deposits to total assets | 89.0847% | 1,061 |
| Equity capital to assets | 9.6701% | 4,481 |
| Core capital (leverage) ratio | 9.5725% | 4,071 |
| Tier 1 risk-based capital ratio | 15.0283% | 3,144 |
| Total risk-based capital ratio | 16.0374% | 3,187 |
| Memoranda: | ||
| Average total assets | $177,027,500 | 3,231 |
| Average earning assets | $166,856,000 | 3,189 |
| Average equity | $17,027,000 | 3,585 |
| Average total loans | $114,832,500 | 3,166 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,478 |
| Cost of funding earning assets | 0.3336% | 3,866 |
| Net interest margin | 3.3300% | 4,183 |
| Noninterest income to average assets | 0.4290% | 3,826 |
| Noninterest expense to average assets | 2.9620% | 2,667 |
| Loan and lease loss provision to assets | 0.0899% | 2,502 |
| Net operating income to assets | 0.3377% | 5,246 |
| Return on assets (ROA) | 0.3527% | 5,295 |
| Pretax return on assets | 0.5307% | 5,039 |
| Return on Equity (ROE) | 3.6801% | 5,070 |
| Retained earnings to average equity (ytd only) | 1.2562% | 5,001 |
| Net charge-offs to loans | 0.1281% | 2,090 |
| Credit loss provision to net charge-offs | 108.9041% | 2,315 |
| Earnings coverage of net charge-offs (x) | 7.2466% | 3,099 |
| Efficiency ratio | 83.2037% | 1,254 |
| Assets per employee ($millions) | 3.3846% | 5,008 |
| Cash dividends to net income (ytd only)* | 65.8654% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 5,142 |
| Loan loss allowance to noncurrent loans | 35.4306% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 1.9779% | 900 |
| Noncurrent loans to loans | 2.4931% | 737 |
| Net loans and leases to total assets | 63.0543% | 3,400 |
| Net loans and leases to deposits | 70.6669% | 3,843 |
| Net loans and leases to core deposits | 73.6313% | 3,975 |
| Total domestic deposits to total assets | 89.2275% | 1,010 |
| Equity capital to assets | 9.5678% | 4,478 |
| Core capital (leverage) ratio | 9.6870% | 3,926 |
| Tier 1 risk-based capital ratio | 15.2552% | 3,054 |
| Total risk-based capital ratio | 16.2488% | 3,112 |
| Memoranda: | ||
| Average total assets | $176,941,400 | 3,207 |
| Average earning assets | $166,368,600 | 3,169 |
| Average equity | $16,956,000 | 3,533 |
| Average total loans | $114,002,400 | 3,138 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6723% | 4,515 |
| Cost of funding earning assets | 0.3451% | 3,806 |
| Net interest margin | 3.3272% | 4,230 |
| Noninterest income to average assets | 0.4507% | 3,715 |
| Noninterest expense to average assets | 2.9247% | 2,764 |
| Loan and lease loss provision to assets | 0.1074% | 2,086 |
| Net operating income to assets | 0.3629% | 5,283 |
| Return on assets (ROA) | 0.3629% | 5,367 |
| Pretax return on assets | 0.5459% | 5,110 |
| Return on Equity (ROE) | 3.7859% | 5,107 |
| Retained earnings to average equity (ytd only) | 0.5442% | 5,457 |
| Net charge-offs to loans | 0.1240% | 1,886 |
| Credit loss provision to net charge-offs | 133.9623% | 1,835 |
| Earnings coverage of net charge-offs (x) | 8.1509% | 2,839 |
| Efficiency ratio | 81.7413% | 1,430 |
| Assets per employee ($millions) | 3.3472% | 5,066 |
| Cash dividends to net income (ytd only)* | 85.6261% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 5,206 |
| Loan loss allowance to noncurrent loans | 34.7958% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 1.9047% | 1,095 |
| Noncurrent loans to loans | 2.5854% | 772 |
| Net loans and leases to total assets | 64.0201% | 3,308 |
| Net loans and leases to deposits | 73.1813% | 3,631 |
| Net loans and leases to core deposits | 76.3388% | 3,765 |
| Total domestic deposits to total assets | 87.4815% | 1,812 |
| Equity capital to assets | 9.6064% | 4,630 |
| Core capital (leverage) ratio | 9.4173% | 4,408 |
| Tier 1 risk-based capital ratio | 15.0336% | 3,273 |
| Total risk-based capital ratio | 16.0335% | 3,347 |
| Memoranda: | ||
| Average total assets | $176,331,250 | 3,245 |
| Average earning assets | $165,739,000 | 3,205 |
| Average equity | $16,904,250 | 3,571 |
| Average total loans | $113,974,000 | 3,166 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 4,524 |
| Cost of funding earning assets | 0.3556% | 3,750 |
| Net interest margin | 3.3102% | 4,265 |
| Noninterest income to average assets | 0.4535% | 3,674 |
| Noninterest expense to average assets | 2.9482% | 2,724 |
| Loan and lease loss provision to assets | 0.0830% | 2,457 |
| Net operating income to assets | 0.3535% | 5,285 |
| Return on assets (ROA) | 0.3535% | 5,394 |
| Pretax return on assets | 0.5330% | 5,143 |
| Return on Equity (ROE) | 3.6896% | 5,141 |
| Retained earnings to average equity (ytd only) | -1.1864% | 5,720 |
| Net charge-offs to loans | 0.1494% | 1,596 |
| Credit loss provision to net charge-offs | 85.8824% | 2,262 |
| Earnings coverage of net charge-offs (x) | 6.3765% | 2,792 |
| Efficiency ratio | 82.7168% | 1,406 |
| Assets per employee ($millions) | 3.3795% | 5,022 |
| Cash dividends to net income (ytd only)* | 132.1543% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 5,460 |
| Loan loss allowance to noncurrent loans | 46.3898% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3684% | 1,831 |
| Noncurrent loans to loans | 1.8384% | 1,380 |
| Net loans and leases to total assets | 63.8022% | 3,285 |
| Net loans and leases to deposits | 77.2055% | 3,132 |
| Net loans and leases to core deposits | 81.9520% | 3,187 |
| Total domestic deposits to total assets | 82.6395% | 4,082 |
| Equity capital to assets | 9.4332% | 4,733 |
| Core capital (leverage) ratio | 9.4778% | 4,310 |
| Tier 1 risk-based capital ratio | 14.7734% | 3,491 |
| Total risk-based capital ratio | 15.7421% | 3,567 |
| Memoranda: | ||
| Average total assets | $175,974,330 | 3,269 |
| Average earning assets | $165,368,670 | 3,232 |
| Average equity | $16,858,330 | 3,593 |
| Average total loans | $113,764,000 | 3,184 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 4,713 |
| Cost of funding earning assets | 0.3683% | 3,666 |
| Net interest margin | 3.2242% | 4,505 |
| Noninterest income to average assets | 0.4449% | 3,667 |
| Noninterest expense to average assets | 3.0114% | 2,549 |
| Loan and lease loss provision to assets | 0.0390% | 3,129 |
| Net operating income to assets | 0.2821% | 5,474 |
| Return on assets (ROA) | 0.2821% | 5,570 |
| Pretax return on assets | 0.4266% | 5,371 |
| Return on Equity (ROE) | 2.9217% | 5,413 |
| Retained earnings to average equity (ytd only) | -6.8411% | 6,032 |
| Net charge-offs to loans | 0.1557% | 1,327 |
| Credit loss provision to net charge-offs | 38.6364% | 2,197 |
| Earnings coverage of net charge-offs (x) | 4.6136% | 2,467 |
| Efficiency ratio | 86.6095% | 1,122 |
| Assets per employee ($millions) | 3.3048% | 5,235 |
| Cash dividends to net income (ytd only)* | 334.1463% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 5,542 |
| Loan loss allowance to noncurrent loans | 50.8136% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 2,085 |
| Noncurrent loans to loans | 1.6888% | 1,635 |
| Net loans and leases to total assets | 63.8496% | 3,111 |
| Net loans and leases to deposits | 74.9507% | 3,166 |
| Net loans and leases to core deposits | 80.4849% | 3,108 |
| Total domestic deposits to total assets | 85.1887% | 3,314 |
| Equity capital to assets | 9.5366% | 4,703 |
| Core capital (leverage) ratio | 9.6443% | 4,092 |
| Tier 1 risk-based capital ratio | 14.8466% | 3,514 |
| Total risk-based capital ratio | 15.8213% | 3,609 |
| Memoranda: | ||
| Average total assets | $174,405,000 | 3,306 |
| Average earning assets | $164,008,000 | 3,267 |
| Average equity | $16,839,500 | 3,611 |
| Average total loans | $113,015,500 | 3,215 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 4,660 |
| Cost of funding earning assets | 0.4340% | 3,343 |
| Net interest margin | 3.3104% | 4,533 |
| Noninterest income to average assets | 0.4197% | 4,038 |
| Noninterest expense to average assets | 2.9727% | 2,922 |
| Loan and lease loss provision to assets | 0.0672% | 3,149 |
| Net operating income to assets | 0.3248% | 5,454 |
| Return on assets (ROA) | 0.3636% | 5,416 |
| Pretax return on assets | 0.5407% | 5,138 |
| Return on Equity (ROE) | 3.7202% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.2979% | 5,192 |
| Net charge-offs to loans | 0.1500% | 2,536 |
| Credit loss provision to net charge-offs | 67.2515% | 3,130 |
| Earnings coverage of net charge-offs (x) | 5.5029% | 3,406 |
| Efficiency ratio | 84.3869% | 1,360 |
| Assets per employee ($millions) | 3.1573% | 5,500 |
| Cash dividends to net income (ytd only)* | 65.1125% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 5,533 |
| Loan loss allowance to noncurrent loans | 53.6099% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2318% | 2,304 |
| Noncurrent loans to loans | 1.6392% | 1,787 |
| Net loans and leases to total assets | 64.6295% | 3,119 |
| Net loans and leases to deposits | 72.6395% | 3,603 |
| Net loans and leases to core deposits | 76.6752% | 3,642 |
| Total domestic deposits to total assets | 88.9728% | 1,258 |
| Equity capital to assets | 9.7752% | 4,390 |
| Core capital (leverage) ratio | 9.8607% | 3,761 |
| Tier 1 risk-based capital ratio | 16.1453% | 2,890 |
| Total risk-based capital ratio | 17.2053% | 2,932 |
| Memoranda: | ||
| Average total assets | $171,087,400 | 3,323 |
| Average earning assets | $160,375,200 | 3,276 |
| Average equity | $16,719,600 | 3,572 |
| Average total loans | $114,021,800 | 3,142 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 4,796 |
| Cost of funding earning assets | 0.4366% | 3,400 |
| Net interest margin | 3.2851% | 4,667 |
| Noninterest income to average assets | 0.4068% | 4,194 |
| Noninterest expense to average assets | 2.9827% | 2,860 |
| Loan and lease loss provision to assets | 0.0532% | 3,313 |
| Net operating income to assets | 0.3017% | 5,573 |
| Return on assets (ROA) | 0.3536% | 5,488 |
| Pretax return on assets | 0.5264% | 5,247 |
| Return on Equity (ROE) | 3.6183% | 5,325 |
| Retained earnings to average equity (ytd only) | 0.3763% | 5,696 |
| Net charge-offs to loans | 0.0759% | 3,117 |
| Credit loss provision to net charge-offs | 104.6154% | 2,119 |
| Earnings coverage of net charge-offs (x) | 9.8775% | 2,609 |
| Efficiency ratio | 85.5892% | 1,225 |
| Assets per employee ($millions) | 3.1746% | 5,480 |
| Cash dividends to net income (ytd only)* | 89.6026% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 5,481 |
| Loan loss allowance to noncurrent loans | 57.7218% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 2,319 |
| Noncurrent loans to loans | 1.6209% | 2,014 |
| Net loans and leases to total assets | 65.0985% | 3,008 |
| Net loans and leases to deposits | 73.2153% | 3,533 |
| Net loans and leases to core deposits | 77.5405% | 3,578 |
| Total domestic deposits to total assets | 88.9137% | 1,295 |
| Equity capital to assets | 9.7965% | 4,426 |
| Core capital (leverage) ratio | 9.6692% | 4,130 |
| Tier 1 risk-based capital ratio | 15.8340% | 3,138 |
| Total risk-based capital ratio | 16.9410% | 3,155 |
| Memoranda: | ||
| Average total assets | $170,446,000 | 3,359 |
| Average earning assets | $159,704,750 | 3,312 |
| Average equity | $16,655,750 | 3,596 |
| Average total loans | $114,220,750 | 3,163 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 4,874 |
| Cost of funding earning assets | 0.4445% | 3,394 |
| Net interest margin | 3.2507% | 4,779 |
| Noninterest income to average assets | 0.3844% | 4,372 |
| Noninterest expense to average assets | 3.0191% | 2,761 |
| Loan and lease loss provision to assets | 0.0482% | 3,344 |
| Net operating income to assets | 0.2418% | 5,733 |
| Return on assets (ROA) | 0.3198% | 5,577 |
| Pretax return on assets | 0.4773% | 5,343 |
| Return on Equity (ROE) | 3.2752% | 5,437 |
| Retained earnings to average equity (ytd only) | -1.6015% | 5,934 |
| Net charge-offs to loans | 0.1011% | 2,669 |
| Credit loss provision to net charge-offs | 70.6897% | 2,464 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,836 |
| Efficiency ratio | 88.0658% | 1,083 |
| Assets per employee ($millions) | 2.9608% | 5,805 |
| Cash dividends to net income (ytd only)* | 148.8971% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 5,692 |
| Loan loss allowance to noncurrent loans | 46.7028% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 1,994 |
| Noncurrent loans to loans | 1.9510% | 1,736 |
| Net loans and leases to total assets | 66.6268% | 2,649 |
| Net loans and leases to deposits | 75.0062% | 3,191 |
| Net loans and leases to core deposits | 80.5029% | 3,158 |
| Total domestic deposits to total assets | 88.8284% | 1,458 |
| Equity capital to assets | 9.8443% | 4,300 |
| Core capital (leverage) ratio | 9.8514% | 3,815 |
| Tier 1 risk-based capital ratio | 15.5092% | 3,349 |
| Total risk-based capital ratio | 16.5781% | 3,405 |
| Memoranda: | ||
| Average total assets | $170,118,670 | 3,381 |
| Average earning assets | $159,286,330 | 3,331 |
| Average equity | $16,609,670 | 3,598 |
| Average total loans | $114,744,000 | 3,161 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 5,086 |
| Cost of funding earning assets | 0.4478% | 3,454 |
| Net interest margin | 3.1772% | 4,996 |
| Noninterest income to average assets | 0.2506% | 5,361 |
| Noninterest expense to average assets | 3.0914% | 2,560 |
| Loan and lease loss provision to assets | 0.0468% | 3,159 |
| Net operating income to assets | 0.0578% | 6,110 |
| Return on assets (ROA) | 0.2155% | 5,808 |
| Pretax return on assets | 0.3185% | 5,672 |
| Return on Equity (ROE) | 2.2159% | 5,730 |
| Retained earnings to average equity (ytd only) | -7.5388% | 6,269 |
| Net charge-offs to loans | 0.1941% | 1,568 |
| Credit loss provision to net charge-offs | 35.7143% | 2,345 |
| Earnings coverage of net charge-offs (x) | 1.0179% | 3,205 |
| Efficiency ratio | 95.8606% | 650 |
| Assets per employee ($millions) | 3.0289% | 5,813 |
| Cash dividends to net income (ytd only)* | 440.2174% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 5,913 |
| Loan loss allowance to noncurrent loans | 47.3193% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 1.8960% | 1,816 |
| Noncurrent loans to loans | 1.8675% | 2,040 |
| Net loans and leases to total assets | 67.1204% | 2,374 |
| Net loans and leases to deposits | 75.5379% | 2,865 |
| Net loans and leases to core deposits | 81.3059% | 2,815 |
| Total domestic deposits to total assets | 88.8566% | 1,749 |
| Equity capital to assets | 9.6795% | 4,253 |
| Core capital (leverage) ratio | 9.6147% | 4,113 |
| Tier 1 risk-based capital ratio | 15.1773% | 3,622 |
| Total risk-based capital ratio | 16.2126% | 3,684 |
| Memoranda: | ||
| Average total assets | $170,794,500 | 3,392 |
| Average earning assets | $159,887,500 | 3,347 |
| Average equity | $16,607,500 | 3,602 |
| Average total loans | $115,377,000 | 3,166 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 4,364 |
| Cost of funding earning assets | 0.4860% | 3,757 |
| Net interest margin | 3.4399% | 4,133 |
| Noninterest income to average assets | 0.3191% | 5,053 |
| Noninterest expense to average assets | 3.0037% | 3,048 |
| Loan and lease loss provision to assets | 0.0954% | 3,214 |
| Net operating income to assets | 0.2832% | 5,581 |
| Return on assets (ROA) | 0.3477% | 5,456 |
| Pretax return on assets | 0.5106% | 5,177 |
| Return on Equity (ROE) | 3.5146% | 5,318 |
| Retained earnings to average equity (ytd only) | 1.1756% | 5,300 |
| Net charge-offs to loans | 0.1542% | 3,264 |
| Credit loss provision to net charge-offs | 89.3855% | 2,781 |
| Earnings coverage of net charge-offs (x) | 4.7877% | 3,454 |
| Efficiency ratio | 85.4573% | 1,470 |
| Assets per employee ($millions) | 3.0171% | 5,805 |
| Cash dividends to net income (ytd only)* | 66.5523% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 5,902 |
| Loan loss allowance to noncurrent loans | 52.1329% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.8637% | 1,961 |
| Noncurrent loans to loans | 1.7396% | 2,312 |
| Net loans and leases to total assets | 66.7785% | 2,556 |
| Net loans and leases to deposits | 75.1140% | 3,079 |
| Net loans and leases to core deposits | 78.9383% | 3,245 |
| Total domestic deposits to total assets | 88.9029% | 1,692 |
| Equity capital to assets | 9.7672% | 4,078 |
| Core capital (leverage) ratio | 9.9013% | 3,700 |
| Tier 1 risk-based capital ratio | 15.7289% | 3,235 |
| Total risk-based capital ratio | 16.8542% | 3,263 |
| Memoranda: | ||
| Average total assets | $167,657,800 | 3,448 |
| Average earning assets | $155,759,400 | 3,404 |
| Average equity | $16,587,800 | 3,617 |
| Average total loans | $116,110,400 | 3,129 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 4,234 |
| Cost of funding earning assets | 0.4852% | 3,910 |
| Net interest margin | 3.4865% | 3,938 |
| Noninterest income to average assets | 0.3226% | 5,103 |
| Noninterest expense to average assets | 2.9967% | 3,007 |
| Loan and lease loss provision to assets | 0.1297% | 2,671 |
| Net operating income to assets | 0.2905% | 5,647 |
| Return on assets (ROA) | 0.3770% | 5,482 |
| Pretax return on assets | 0.5555% | 5,187 |
| Return on Equity (ROE) | 3.7978% | 5,308 |
| Retained earnings to average equity (ytd only) | 0.6692% | 5,699 |
| Net charge-offs to loans | 0.1102% | 3,438 |
| Credit loss provision to net charge-offs | 168.7500% | 1,411 |
| Earnings coverage of net charge-offs (x) | 7.2602% | 2,819 |
| Efficiency ratio | 84.3053% | 1,559 |
| Assets per employee ($millions) | 2.9214% | 5,978 |
| Cash dividends to net income (ytd only)* | 82.3784% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 5,884 |
| Loan loss allowance to noncurrent loans | 59.3521% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.9677% | 2,059 |
| Noncurrent loans to loans | 1.6191% | 2,749 |
| Net loans and leases to total assets | 69.0988% | 2,120 |
| Net loans and leases to deposits | 77.7874% | 2,703 |
| Net loans and leases to core deposits | 81.6704% | 2,914 |
| Total domestic deposits to total assets | 88.8303% | 1,650 |
| Equity capital to assets | 9.8347% | 4,123 |
| Core capital (leverage) ratio | 9.8304% | 3,917 |
| Tier 1 risk-based capital ratio | 15.2154% | 3,615 |
| Total risk-based capital ratio | 16.3748% | 3,623 |
| Memoranda: | ||
| Average total assets | $166,579,000 | 3,501 |
| Average earning assets | $154,419,000 | 3,462 |
| Average equity | $16,535,500 | 3,668 |
| Average total loans | $116,165,000 | 3,141 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 4,216 |
| Cost of funding earning assets | 0.4906% | 3,985 |
| Net interest margin | 3.4809% | 3,865 |
| Noninterest income to average assets | 0.2632% | 5,575 |
| Noninterest expense to average assets | 3.0007% | 2,999 |
| Loan and lease loss provision to assets | 0.1304% | 2,690 |
| Net operating income to assets | 0.2389% | 5,802 |
| Return on assets (ROA) | 0.3695% | 5,509 |
| Pretax return on assets | 0.5458% | 5,215 |
| Return on Equity (ROE) | 3.7107% | 5,336 |
| Retained earnings to average equity (ytd only) | -0.9944% | 6,052 |
| Net charge-offs to loans | 0.1489% | 2,912 |
| Credit loss provision to net charge-offs | 125.5814% | 1,794 |
| Earnings coverage of net charge-offs (x) | 4.6628% | 3,075 |
| Efficiency ratio | 86.1053% | 1,403 |
| Assets per employee ($millions) | 2.8091% | 6,151 |
| Cash dividends to net income (ytd only)* | 126.7974% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 6,068 |
| Loan loss allowance to noncurrent loans | 56.0863% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 2.3544% | 1,823 |
| Noncurrent loans to loans | 1.6464% | 2,844 |
| Net loans and leases to total assets | 71.9120% | 1,589 |
| Net loans and leases to deposits | 81.2111% | 2,157 |
| Net loans and leases to core deposits | 86.5286% | 2,290 |
| Total domestic deposits to total assets | 88.5495% | 1,890 |
| Equity capital to assets | 10.1119% | 3,776 |
| Core capital (leverage) ratio | 10.1192% | 3,335 |
| Tier 1 risk-based capital ratio | 14.8634% | 3,866 |
| Total risk-based capital ratio | 15.9493% | 3,933 |
| Memoranda: | ||
| Average total assets | $165,625,330 | 3,534 |
| Average earning assets | $153,291,670 | 3,498 |
| Average equity | $16,492,670 | 3,696 |
| Average total loans | $115,481,000 | 3,159 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 4,354 |
| Cost of funding earning assets | 0.4946% | 4,139 |
| Net interest margin | 3.4387% | 3,968 |
| Noninterest income to average assets | 0.4671% | 4,010 |
| Noninterest expense to average assets | 2.9849% | 3,034 |
| Loan and lease loss provision to assets | 0.1030% | 2,959 |
| Net operating income to assets | 0.3761% | 5,227 |
| Return on assets (ROA) | 0.3761% | 5,364 |
| Pretax return on assets | 0.5606% | 5,077 |
| Return on Equity (ROE) | 3.8057% | 5,191 |
| Retained earnings to average equity (ytd only) | -5.5995% | 6,403 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8122% | 2,064 |
| Assets per employee ($millions) | 2.9507% | 6,070 |
| Cash dividends to net income (ytd only)* | 247.1338% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 6,087 |
| Loan loss allowance to noncurrent loans | 48.4334% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 2.6906% | 1,687 |
| Noncurrent loans to loans | 1.9931% | 2,623 |
| Net loans and leases to total assets | 69.1003% | 1,824 |
| Net loans and leases to deposits | 77.8119% | 2,362 |
| Net loans and leases to core deposits | 82.1855% | 2,547 |
| Total domestic deposits to total assets | 88.8042% | 1,793 |
| Equity capital to assets | 9.9346% | 4,232 |
| Core capital (leverage) ratio | 9.8441% | 3,608 |
| Tier 1 risk-based capital ratio | 14.9476% | 3,878 |
| Total risk-based capital ratio | 16.1279% | 3,880 |
| Memoranda: | ||
| Average total assets | $166,974,500 | 3,549 |
| Average earning assets | $154,478,000 | 3,522 |
| Average equity | $16,501,500 | 3,739 |
| Average total loans | $114,093,500 | 3,203 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 4,983 |
| Cost of funding earning assets | 0.6059% | 4,283 |
| Net interest margin | 3.4839% | 4,568 |
| Noninterest income to average assets | 0.4177% | 4,472 |
| Noninterest expense to average assets | 3.0066% | 3,246 |
| Loan and lease loss provision to assets | 0.1256% | 4,046 |
| Net operating income to assets | 0.3430% | 5,321 |
| Return on assets (ROA) | 0.3430% | 5,539 |
| Pretax return on assets | 0.5077% | 5,259 |
| Return on Equity (ROE) | 3.4222% | 5,380 |
| Retained earnings to average equity (ytd only) | 1.0694% | 5,337 |
| Net charge-offs to loans | 0.4314% | 2,510 |
| Credit loss provision to net charge-offs | 42.0945% | 4,889 |
| Earnings coverage of net charge-offs (x) | 2.1232% | 4,353 |
| Efficiency ratio | 82.6014% | 1,795 |
| Assets per employee ($millions) | 3.0126% | 6,000 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,133 |
| Loan loss allowance to noncurrent loans | 41.1222% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.8558% | 1,674 |
| Noncurrent loans to loans | 2.3049% | 2,346 |
| Net loans and leases to total assets | 66.2814% | 2,481 |
| Net loans and leases to deposits | 74.5793% | 3,005 |
| Net loans and leases to core deposits | 77.1282% | 3,380 |
| Total domestic deposits to total assets | 88.8737% | 1,657 |
| Equity capital to assets | 9.8318% | 4,406 |
| Core capital (leverage) ratio | 9.9066% | 3,532 |
| Tier 1 risk-based capital ratio | 15.2189% | 3,603 |
| Total risk-based capital ratio | 16.3290% | 3,628 |
| Memoranda: | ||
| Average total assets | $163,276,600 | 3,562 |
| Average earning assets | $151,009,600 | 3,533 |
| Average equity | $16,363,800 | 3,732 |
| Average total loans | $112,889,000 | 3,231 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 5,127 |
| Cost of funding earning assets | 0.6223% | 4,432 |
| Net interest margin | 3.4944% | 4,668 |
| Noninterest income to average assets | 0.5048% | 3,894 |
| Noninterest expense to average assets | 3.0130% | 3,191 |
| Loan and lease loss provision to assets | 0.1383% | 3,815 |
| Net operating income to assets | 0.3911% | 5,282 |
| Return on assets (ROA) | 0.3911% | 5,493 |
| Pretax return on assets | 0.5855% | 5,217 |
| Return on Equity (ROE) | 3.8835% | 5,334 |
| Retained earnings to average equity (ytd only) | 0.7358% | 5,857 |
| Net charge-offs to loans | 0.2917% | 2,984 |
| Credit loss provision to net charge-offs | 68.0162% | 3,958 |
| Earnings coverage of net charge-offs (x) | 3.5586% | 3,595 |
| Efficiency ratio | 80.6302% | 1,995 |
| Assets per employee ($millions) | 3.0203% | 6,020 |
| Cash dividends to net income (ytd only)* | 81.0522% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,713 |
| Loan loss allowance to noncurrent loans | 38.1824% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 3.0990% | 1,679 |
| Noncurrent loans to loans | 2.8871% | 1,939 |
| Net loans and leases to total assets | 68.7514% | 2,166 |
| Net loans and leases to deposits | 77.4432% | 2,739 |
| Net loans and leases to core deposits | 80.3087% | 3,168 |
| Total domestic deposits to total assets | 88.7765% | 1,549 |
| Equity capital to assets | 9.9449% | 4,577 |
| Core capital (leverage) ratio | 9.9496% | 3,615 |
| Tier 1 risk-based capital ratio | 14.7850% | 3,991 |
| Total risk-based capital ratio | 16.0593% | 3,931 |
| Memoranda: | ||
| Average total assets | $161,918,750 | 3,617 |
| Average earning assets | $149,758,500 | 3,592 |
| Average equity | $16,308,000 | 3,769 |
| Average total loans | $112,888,250 | 3,258 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 5,169 |
| Cost of funding earning assets | 0.6457% | 4,480 |
| Net interest margin | 3.4927% | 4,702 |
| Noninterest income to average assets | 0.5108% | 3,853 |
| Noninterest expense to average assets | 3.0875% | 2,965 |
| Loan and lease loss provision to assets | 0.1582% | 3,534 |
| Net operating income to assets | 0.3277% | 5,508 |
| Return on assets (ROA) | 0.3277% | 5,720 |
| Pretax return on assets | 0.4934% | 5,454 |
| Return on Equity (ROE) | 3.2394% | 5,589 |
| Retained earnings to average equity (ytd only) | -1.5027% | 6,290 |
| Net charge-offs to loans | 0.2624% | 3,008 |
| Credit loss provision to net charge-offs | 86.3946% | 3,147 |
| Earnings coverage of net charge-offs (x) | 3.5578% | 3,337 |
| Efficiency ratio | 82.5725% | 1,805 |
| Assets per employee ($millions) | 2.7373% | 6,492 |
| Cash dividends to net income (ytd only)* | 146.3878% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,471 |
| Loan loss allowance to noncurrent loans | 38.3199% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.3565% | 1,602 |
| Noncurrent loans to loans | 3.0583% | 1,922 |
| Net loans and leases to total assets | 70.7500% | 1,780 |
| Net loans and leases to deposits | 80.0073% | 2,380 |
| Net loans and leases to core deposits | 83.1362% | 2,810 |
| Total domestic deposits to total assets | 88.4295% | 1,863 |
| Equity capital to assets | 10.2264% | 4,022 |
| Core capital (leverage) ratio | 10.2091% | 3,134 |
| Tier 1 risk-based capital ratio | 14.8523% | 3,861 |
| Total risk-based capital ratio | 16.1363% | 3,798 |
| Memoranda: | ||
| Average total assets | $160,519,670 | 3,653 |
| Average earning assets | $148,366,670 | 3,635 |
| Average equity | $16,237,330 | 3,770 |
| Average total loans | $112,024,330 | 3,290 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 5,341 |
| Cost of funding earning assets | 0.6677% | 4,559 |
| Net interest margin | 3.4671% | 4,837 |
| Noninterest income to average assets | 0.4882% | 3,991 |
| Noninterest expense to average assets | 3.1227% | 2,840 |
| Loan and lease loss provision to assets | 0.1487% | 3,501 |
| Net operating income to assets | 0.2776% | 5,729 |
| Return on assets (ROA) | 0.2776% | 5,892 |
| Pretax return on assets | 0.4213% | 5,663 |
| Return on Equity (ROE) | 2.7590% | 5,802 |
| Retained earnings to average equity (ytd only) | -6.7250% | 6,704 |
| Net charge-offs to loans | 0.0683% | 3,805 |
| Credit loss provision to net charge-offs | 315.7895% | 941 |
| Earnings coverage of net charge-offs (x) | 12.1053% | 1,627 |
| Efficiency ratio | 84.5638% | 1,633 |
| Assets per employee ($millions) | 2.8380% | 6,452 |
| Cash dividends to net income (ytd only)* | 343.7500% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,252 |
| Loan loss allowance to noncurrent loans | 40.0518% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 3.2948% | 1,751 |
| Noncurrent loans to loans | 3.1177% | 2,052 |
| Net loans and leases to total assets | 68.1006% | 2,097 |
| Net loans and leases to deposits | 76.7599% | 2,700 |
| Net loans and leases to core deposits | 79.7361% | 3,099 |
| Total domestic deposits to total assets | 88.7190% | 1,875 |
| Equity capital to assets | 9.9766% | 4,148 |
| Core capital (leverage) ratio | 10.0838% | 3,265 |
| Tier 1 risk-based capital ratio | 14.9523% | 3,788 |
| Total risk-based capital ratio | 16.2721% | 3,700 |
| Memoranda: | ||
| Average total assets | $161,396,500 | 3,658 |
| Average earning assets | $149,172,000 | 3,637 |
| Average equity | $16,238,000 | 3,777 |
| Average total loans | $111,207,000 | 3,321 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 5,667 |
| Cost of funding earning assets | 0.8080% | 4,808 |
| Net interest margin | 3.5206% | 5,067 |
| Noninterest income to average assets | 0.4637% | 4,104 |
| Noninterest expense to average assets | 3.0692% | 3,314 |
| Loan and lease loss provision to assets | 0.1768% | 4,424 |
| Net operating income to assets | 0.3112% | 5,207 |
| Return on assets (ROA) | 0.3112% | 5,364 |
| Pretax return on assets | 0.4668% | 5,086 |
| Return on Equity (ROE) | 3.0919% | 5,250 |
| Retained earnings to average equity (ytd only) | 0.7606% | 5,496 |
| Net charge-offs to loans | 0.2423% | 4,263 |
| Credit loss provision to net charge-offs | 104.0293% | 3,312 |
| Earnings coverage of net charge-offs (x) | 3.7875% | 3,387 |
| Efficiency ratio | 82.6655% | 1,929 |
| Assets per employee ($millions) | 2.9277% | 6,233 |
| Cash dividends to net income (ytd only)* | 75.4000% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 5,297 |
| Loan loss allowance to noncurrent loans | 45.2477% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 3.0796% | 1,947 |
| Noncurrent loans to loans | 2.6954% | 2,410 |
| Net loans and leases to total assets | 68.0043% | 2,391 |
| Net loans and leases to deposits | 76.8007% | 3,039 |
| Net loans and leases to core deposits | 80.0316% | 3,448 |
| Total domestic deposits to total assets | 88.5465% | 1,822 |
| Equity capital to assets | 10.1456% | 3,975 |
| Core capital (leverage) ratio | 10.1886% | 3,096 |
| Tier 1 risk-based capital ratio | 15.1256% | 3,563 |
| Total risk-based capital ratio | 16.3761% | 3,529 |
| Memoranda: | ||
| Average total assets | $160,660,800 | 3,621 |
| Average earning assets | $148,271,600 | 3,595 |
| Average equity | $16,171,400 | 3,694 |
| Average total loans | $112,671,800 | 3,317 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 5,680 |
| Cost of funding earning assets | 0.8319% | 4,933 |
| Net interest margin | 3.5472% | 4,992 |
| Noninterest income to average assets | 0.4949% | 3,907 |
| Noninterest expense to average assets | 3.0516% | 3,348 |
| Loan and lease loss provision to assets | 0.2134% | 3,888 |
| Net operating income to assets | 0.3346% | 5,273 |
| Return on assets (ROA) | 0.3346% | 5,445 |
| Pretax return on assets | 0.5049% | 5,145 |
| Return on Equity (ROE) | 3.3312% | 5,302 |
| Retained earnings to average equity (ytd only) | 0.2149% | 5,894 |
| Net charge-offs to loans | 0.2699% | 3,748 |
| Credit loss provision to net charge-offs | 112.2271% | 2,916 |
| Earnings coverage of net charge-offs (x) | 3.7772% | 3,299 |
| Efficiency ratio | 80.9471% | 2,112 |
| Assets per employee ($millions) | 2.8462% | 6,407 |
| Cash dividends to net income (ytd only)* | 93.5476% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 5,416 |
| Loan loss allowance to noncurrent loans | 41.8015% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.3525% | 1,898 |
| Noncurrent loans to loans | 2.9013% | 2,403 |
| Net loans and leases to total assets | 68.7332% | 2,325 |
| Net loans and leases to deposits | 77.4698% | 3,088 |
| Net loans and leases to core deposits | 81.1147% | 3,468 |
| Total domestic deposits to total assets | 88.7226% | 1,602 |
| Equity capital to assets | 9.9799% | 4,369 |
| Core capital (leverage) ratio | 10.0261% | 3,400 |
| Tier 1 risk-based capital ratio | 14.7219% | 3,823 |
| Total risk-based capital ratio | 15.9725% | 3,800 |
| Memoranda: | ||
| Average total assets | $160,569,750 | 3,649 |
| Average earning assets | $148,246,000 | 3,627 |
| Average equity | $16,130,000 | 3,714 |
| Average total loans | $113,125,750 | 3,344 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 5,750 |
| Cost of funding earning assets | 0.8659% | 4,942 |
| Net interest margin | 3.5192% | 5,073 |
| Noninterest income to average assets | 0.4975% | 3,877 |
| Noninterest expense to average assets | 3.0447% | 3,456 |
| Loan and lease loss provision to assets | 0.2125% | 3,791 |
| Net operating income to assets | 0.3262% | 5,266 |
| Return on assets (ROA) | 0.3262% | 5,400 |
| Pretax return on assets | 0.4962% | 5,086 |
| Return on Equity (ROE) | 3.2403% | 5,286 |
| Retained earnings to average equity (ytd only) | -1.4525% | 6,148 |
| Net charge-offs to loans | 0.2950% | 3,400 |
| Credit loss provision to net charge-offs | 101.7964% | 3,043 |
| Earnings coverage of net charge-offs (x) | 3.3952% | 3,188 |
| Efficiency ratio | 81.1189% | 2,227 |
| Assets per employee ($millions) | 2.6616% | 6,694 |
| Cash dividends to net income (ytd only)* | 144.8276% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 5,575 |
| Loan loss allowance to noncurrent loans | 42.3440% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 3.2006% | 2,101 |
| Noncurrent loans to loans | 2.8174% | 2,581 |
| Net loans and leases to total assets | 70.8849% | 2,030 |
| Net loans and leases to deposits | 80.1977% | 2,753 |
| Net loans and leases to core deposits | 84.3541% | 3,153 |
| Total domestic deposits to total assets | 88.3877% | 1,923 |
| Equity capital to assets | 10.2629% | 3,802 |
| Core capital (leverage) ratio | 10.2171% | 3,015 |
| Tier 1 risk-based capital ratio | 14.8394% | 3,588 |
| Total risk-based capital ratio | 16.0901% | 3,556 |
| Memoranda: | ||
| Average total assets | $160,014,330 | 3,686 |
| Average earning assets | $148,045,670 | 3,652 |
| Average equity | $16,109,670 | 3,714 |
| Average total loans | $113,208,000 | 3,379 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 5,868 |
| Cost of funding earning assets | 0.8912% | 4,986 |
| Net interest margin | 3.4554% | 5,199 |
| Noninterest income to average assets | 0.4334% | 4,426 |
| Noninterest expense to average assets | 2.9448% | 3,873 |
| Loan and lease loss provision to assets | 0.2873% | 2,850 |
| Net operating income to assets | 0.2675% | 5,550 |
| Return on assets (ROA) | 0.2675% | 5,612 |
| Pretax return on assets | 0.4087% | 5,315 |
| Return on Equity (ROE) | 2.6821% | 5,524 |
| Retained earnings to average equity (ytd only) | -6.7054% | 6,649 |
| Net charge-offs to loans | 0.4441% | 2,364 |
| Credit loss provision to net charge-offs | 92.0635% | 2,903 |
| Earnings coverage of net charge-offs (x) | 2.2302% | 3,206 |
| Efficiency ratio | 80.8844% | 2,382 |
| Assets per employee ($millions) | 2.6564% | 6,764 |
| Cash dividends to net income (ytd only)* | 350.0000% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 5,702 |
| Loan loss allowance to noncurrent loans | 36.6869% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 2.9144% | 2,369 |
| Noncurrent loans to loans | 3.2277% | 2,326 |
| Net loans and leases to total assets | 69.6881% | 2,186 |
| Net loans and leases to deposits | 78.6137% | 2,957 |
| Net loans and leases to core deposits | 82.6022% | 3,368 |
| Total domestic deposits to total assets | 88.6462% | 1,990 |
| Equity capital to assets | 10.0274% | 3,744 |
| Core capital (leverage) ratio | 9.8424% | 3,340 |
| Tier 1 risk-based capital ratio | 14.7726% | 3,564 |
| Total risk-based capital ratio | 16.0232% | 3,528 |
| Memoranda: | ||
| Average total assets | $161,505,500 | 3,682 |
| Average earning assets | $149,910,500 | 3,641 |
| Average equity | $16,106,500 | 3,706 |
| Average total loans | $113,484,000 | 3,401 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 5,620 |
| Cost of funding earning assets | 1.0543% | 5,403 |
| Net interest margin | 3.6964% | 4,362 |
| Noninterest income to average assets | 0.5503% | 3,824 |
| Noninterest expense to average assets | 3.0946% | 3,480 |
| Loan and lease loss provision to assets | 0.2238% | 5,039 |
| Net operating income to assets | 0.4337% | 4,395 |
| Return on assets (ROA) | 0.4337% | 4,543 |
| Pretax return on assets | 0.6486% | 4,171 |
| Return on Equity (ROE) | 4.2975% | 4,387 |
| Retained earnings to average equity (ytd only) | 1.9854% | 4,475 |
| Net charge-offs to loans | 0.2892% | 4,573 |
| Credit loss provision to net charge-offs | 107.2948% | 4,141 |
| Earnings coverage of net charge-offs (x) | 4.1824% | 3,030 |
| Efficiency ratio | 78.0086% | 2,711 |
| Assets per employee ($millions) | 2.6824% | 6,715 |
| Cash dividends to net income (ytd only)* | 53.8012% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,642 |
| Loan loss allowance to noncurrent loans | 45.6122% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 2.2661% | 3,007 |
| Noncurrent loans to loans | 2.5662% | 2,964 |
| Net loans and leases to total assets | 69.1966% | 2,724 |
| Net loans and leases to deposits | 77.9658% | 3,517 |
| Net loans and leases to core deposits | 81.7781% | 3,936 |
| Total domestic deposits to total assets | 88.7525% | 1,798 |
| Equity capital to assets | 9.9195% | 3,858 |
| Core capital (leverage) ratio | 9.9944% | 3,102 |
| Tier 1 risk-based capital ratio | 15.0067% | 3,251 |
| Total risk-based capital ratio | 16.2578% | 3,200 |
| Memoranda: | ||
| Average total assets | $157,724,000 | 3,742 |
| Average earning assets | $145,790,400 | 3,711 |
| Average equity | $15,916,200 | 3,785 |
| Average total loans | $113,762,200 | 3,454 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 5,548 |
| Cost of funding earning assets | 1.0770% | 5,561 |
| Net interest margin | 3.7532% | 4,179 |
| Noninterest income to average assets | 0.5564% | 3,739 |
| Noninterest expense to average assets | 3.1991% | 2,931 |
| Loan and lease loss provision to assets | 0.1715% | 5,329 |
| Net operating income to assets | 0.4352% | 4,607 |
| Return on assets (ROA) | 0.4352% | 4,786 |
| Pretax return on assets | 0.6502% | 4,423 |
| Return on Equity (ROE) | 4.2935% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.1955% | 5,338 |
| Net charge-offs to loans | 0.2959% | 4,180 |
| Credit loss provision to net charge-offs | 79.7619% | 5,143 |
| Earnings coverage of net charge-offs (x) | 3.8215% | 3,290 |
| Efficiency ratio | 79.5628% | 2,414 |
| Assets per employee ($millions) | 2.6732% | 6,816 |
| Cash dividends to net income (ytd only)* | 72.1565% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 5,924 |
| Loan loss allowance to noncurrent loans | 35.4027% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 2.6591% | 2,717 |
| Noncurrent loans to loans | 3.1141% | 2,560 |
| Net loans and leases to total assets | 70.8062% | 2,531 |
| Net loans and leases to deposits | 79.8900% | 3,473 |
| Net loans and leases to core deposits | 83.8800% | 3,958 |
| Total domestic deposits to total assets | 88.6296% | 1,605 |
| Equity capital to assets | 9.9732% | 4,191 |
| Core capital (leverage) ratio | 10.0577% | 3,198 |
| Tier 1 risk-based capital ratio | 14.7962% | 3,346 |
| Total risk-based capital ratio | 16.0465% | 3,326 |
| Memoranda: | ||
| Average total assets | $156,248,000 | 3,827 |
| Average earning assets | $144,229,250 | 3,787 |
| Average equity | $15,837,500 | 3,836 |
| Average total loans | $113,561,250 | 3,511 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 5,452 |
| Cost of funding earning assets | 1.0903% | 5,731 |
| Net interest margin | 3.7965% | 3,905 |
| Noninterest income to average assets | 0.5566% | 3,652 |
| Noninterest expense to average assets | 3.2002% | 2,902 |
| Loan and lease loss provision to assets | 0.1175% | 5,723 |
| Net operating income to assets | 0.4907% | 4,375 |
| Return on assets (ROA) | 0.4907% | 4,532 |
| Pretax return on assets | 0.7374% | 4,118 |
| Return on Equity (ROE) | 4.8148% | 4,376 |
| Retained earnings to average equity (ytd only) | 0.1520% | 5,687 |
| Net charge-offs to loans | 0.2174% | 4,299 |
| Credit loss provision to net charge-offs | 73.9837% | 4,859 |
| Earnings coverage of net charge-offs (x) | 5.3821% | 2,677 |
| Efficiency ratio | 78.9172% | 2,584 |
| Assets per employee ($millions) | 2.6469% | 6,869 |
| Cash dividends to net income (ytd only)* | 96.8421% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 5,853 |
| Loan loss allowance to noncurrent loans | 32.9487% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 2.9488% | 2,428 |
| Noncurrent loans to loans | 3.3961% | 2,349 |
| Net loans and leases to total assets | 73.9640% | 1,915 |
| Net loans and leases to deposits | 83.8256% | 2,903 |
| Net loans and leases to core deposits | 88.1771% | 3,523 |
| Total domestic deposits to total assets | 88.2356% | 1,862 |
| Equity capital to assets | 10.3243% | 3,620 |
| Core capital (leverage) ratio | 10.2690% | 2,873 |
| Tier 1 risk-based capital ratio | 14.7013% | 3,325 |
| Total risk-based capital ratio | 15.9520% | 3,300 |
| Memoranda: | ||
| Average total assets | $154,867,330 | 3,875 |
| Average earning assets | $142,709,000 | 3,849 |
| Average equity | $15,784,670 | 3,837 |
| Average total loans | $113,137,670 | 3,555 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 5,858 |
| Cost of funding earning assets | 1.0910% | 5,955 |
| Net interest margin | 3.7195% | 4,153 |
| Noninterest income to average assets | 0.5812% | 3,409 |
| Noninterest expense to average assets | 3.2558% | 2,687 |
| Loan and lease loss provision to assets | 0.0823% | 5,816 |
| Net operating income to assets | 0.4449% | 4,638 |
| Return on assets (ROA) | 0.4449% | 4,770 |
| Pretax return on assets | 0.6712% | 4,332 |
| Return on Equity (ROE) | 4.3931% | 4,712 |
| Retained earnings to average equity (ytd only) | -4.9518% | 6,586 |
| Net charge-offs to loans | 0.3028% | 3,208 |
| Credit loss provision to net charge-offs | 37.6471% | 4,676 |
| Earnings coverage of net charge-offs (x) | 3.4471% | 2,908 |
| Efficiency ratio | 81.2059% | 2,385 |
| Assets per employee ($millions) | 2.6362% | 6,975 |
| Cash dividends to net income (ytd only)* | 212.7168% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 5,912 |
| Loan loss allowance to noncurrent loans | 43.1399% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 2.4762% | 2,929 |
| Noncurrent loans to loans | 2.5974% | 3,074 |
| Net loans and leases to total assets | 72.9511% | 2,216 |
| Net loans and leases to deposits | 82.6632% | 3,168 |
| Net loans and leases to core deposits | 86.9626% | 3,757 |
| Total domestic deposits to total assets | 88.2509% | 1,926 |
| Equity capital to assets | 10.2455% | 3,540 |
| Core capital (leverage) ratio | 10.1338% | 3,001 |
| Tier 1 risk-based capital ratio | 14.4606% | 3,405 |
| Total risk-based capital ratio | 15.7110% | 3,373 |
| Memoranda: | ||
| Average total assets | $155,540,000 | 3,915 |
| Average earning assets | $143,354,500 | 3,880 |
| Average equity | $15,752,000 | 3,877 |
| Average total loans | $112,288,500 | 3,637 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 5,361 |
| Cost of funding earning assets | 1.3351% | 6,193 |
| Net interest margin | 3.9267% | 3,170 |
| Noninterest income to average assets | 0.6276% | 3,443 |
| Noninterest expense to average assets | 3.2848% | 3,063 |
| Loan and lease loss provision to assets | 0.2311% | 5,517 |
| Net operating income to assets | 0.4827% | 3,804 |
| Return on assets (ROA) | 0.4827% | 3,899 |
| Pretax return on assets | 0.7277% | 3,481 |
| Return on Equity (ROE) | 4.7447% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.5050% | 3,389 |
| Net charge-offs to loans | 0.2294% | 5,175 |
| Credit loss provision to net charge-offs | 138.7352% | 3,539 |
| Earnings coverage of net charge-offs (x) | 5.7549% | 2,506 |
| Efficiency ratio | 77.4053% | 3,289 |
| Assets per employee ($millions) | 2.6364% | 6,973 |
| Cash dividends to net income (ytd only)* | 47.2033% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,483 |
| Loan loss allowance to noncurrent loans | 38.7239% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 2.4111% | 2,885 |
| Noncurrent loans to loans | 3.0428% | 2,536 |
| Net loans and leases to total assets | 69.8280% | 3,295 |
| Net loans and leases to deposits | 78.8358% | 4,208 |
| Net loans and leases to core deposits | 99.3935% | 4,064 |
| Total domestic deposits to total assets | 88.5740% | 1,689 |
| Equity capital to assets | 10.0131% | 3,745 |
| Core capital (leverage) ratio | 10.2743% | 2,804 |
| Tier 1 risk-based capital ratio | 14.8192% | 3,040 |
| Total risk-based capital ratio | 16.0706% | 2,991 |
| Memoranda: | ||
| Average total assets | $151,853,000 | 3,925 |
| Average earning assets | $139,837,000 | 3,909 |
| Average equity | $15,448,800 | 3,980 |
| Average total loans | $110,310,200 | 3,685 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 5,338 |
| Cost of funding earning assets | 1.4092% | 6,195 |
| Net interest margin | 3.9066% | 3,216 |
| Noninterest income to average assets | 0.6388% | 3,432 |
| Noninterest expense to average assets | 3.3166% | 2,847 |
| Loan and lease loss provision to assets | 0.2245% | 5,175 |
| Net operating income to assets | 0.4587% | 4,168 |
| Return on assets (ROA) | 0.4587% | 4,273 |
| Pretax return on assets | 0.6938% | 3,881 |
| Return on Equity (ROE) | 4.4903% | 4,164 |
| Retained earnings to average equity (ytd only) | 1.4852% | 4,483 |
| Net charge-offs to loans | 0.1589% | 5,115 |
| Credit loss provision to net charge-offs | 193.1298% | 2,342 |
| Earnings coverage of net charge-offs (x) | 7.9009% | 2,329 |
| Efficiency ratio | 78.3155% | 3,114 |
| Assets per employee ($millions) | 2.5730% | 7,102 |
| Cash dividends to net income (ytd only)* | 66.9239% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 5,117 |
| Loan loss allowance to noncurrent loans | 32.0354% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 3.0196% | 2,299 |
| Noncurrent loans to loans | 3.7431% | 1,992 |
| Net loans and leases to total assets | 72.7822% | 2,849 |
| Net loans and leases to deposits | 82.4971% | 3,919 |
| Net loans and leases to core deposits | 103.9153% | 3,947 |
| Total domestic deposits to total assets | 88.2240% | 1,547 |
| Equity capital to assets | 10.2734% | 3,759 |
| Core capital (leverage) ratio | 10.2977% | 2,978 |
| Tier 1 risk-based capital ratio | 14.5584% | 3,246 |
| Total risk-based capital ratio | 15.8098% | 3,194 |
| Memoranda: | ||
| Average total assets | $150,270,500 | 3,976 |
| Average earning assets | $138,327,500 | 3,960 |
| Average equity | $15,351,250 | 4,038 |
| Average total loans | $109,944,500 | 3,734 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 5,390 |
| Cost of funding earning assets | 1.5377% | 5,986 |
| Net interest margin | 3.8138% | 3,494 |
| Noninterest income to average assets | 0.6023% | 3,675 |
| Noninterest expense to average assets | 3.3134% | 2,902 |
| Loan and lease loss provision to assets | 0.1055% | 6,102 |
| Net operating income to assets | 0.4527% | 4,278 |
| Return on assets (ROA) | 0.4527% | 4,391 |
| Pretax return on assets | 0.6878% | 4,043 |
| Return on Equity (ROE) | 4.4402% | 4,323 |
| Retained earnings to average equity (ytd only) | -0.0917% | 5,243 |
| Net charge-offs to loans | 0.0091% | 6,439 |
| Credit loss provision to net charge-offs | 1,580.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 118.8000% | 323 |
| Efficiency ratio | 80.6829% | 2,937 |
| Assets per employee ($millions) | 2.4323% | 7,376 |
| Cash dividends to net income (ytd only)* | 102.0649% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,240 |
| Loan loss allowance to noncurrent loans | 31.3227% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 2.9824% | 2,133 |
| Noncurrent loans to loans | 3.6867% | 1,887 |
| Net loans and leases to total assets | 74.5956% | 2,544 |
| Net loans and leases to deposits | 87.3473% | 3,292 |
| Net loans and leases to core deposits | 110.8478% | 3,284 |
| Total domestic deposits to total assets | 85.4012% | 3,062 |
| Equity capital to assets | 10.3493% | 3,566 |
| Core capital (leverage) ratio | 10.4677% | 2,840 |
| Tier 1 risk-based capital ratio | 14.4919% | 3,245 |
| Total risk-based capital ratio | 15.7424% | 3,190 |
| Memoranda: | ||
| Average total assets | $149,757,670 | 3,995 |
| Average earning assets | $137,605,000 | 3,998 |
| Average equity | $15,269,670 | 4,069 |
| Average total loans | $109,315,670 | 3,776 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3774% | 5,539 |
| Cost of funding earning assets | 1.6940% | 5,623 |
| Net interest margin | 3.6834% | 3,972 |
| Noninterest income to average assets | 0.6274% | 3,362 |
| Noninterest expense to average assets | 3.4190% | 2,303 |
| Loan and lease loss provision to assets | 0.0399% | 6,468 |
| Net operating income to assets | 0.3589% | 5,024 |
| Return on assets (ROA) | 0.3589% | 5,208 |
| Pretax return on assets | 0.5503% | 4,915 |
| Return on Equity (ROE) | 3.5463% | 5,148 |
| Retained earnings to average equity (ytd only) | -5.5428% | 6,625 |
| Net charge-offs to loans | -0.0519% | 7,703 |
| Credit loss provision to net charge-offs | -107.1429% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2785% | 2,159 |
| Assets per employee ($millions) | 2.4167% | 7,432 |
| Cash dividends to net income (ytd only)* | 256.2963% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 5,083 |
| Loan loss allowance to noncurrent loans | 31.1688% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 2.9427% | 1,927 |
| Noncurrent loans to loans | 3.7069% | 1,682 |
| Net loans and leases to total assets | 72.4240% | 3,147 |
| Net loans and leases to deposits | 82.1012% | 4,268 |
| Net loans and leases to core deposits | 107.6628% | 3,726 |
| Total domestic deposits to total assets | 88.2131% | 1,638 |
| Equity capital to assets | 10.2511% | 3,710 |
| Core capital (leverage) ratio | 10.0505% | 3,349 |
| Tier 1 risk-based capital ratio | 14.4226% | 3,350 |
| Total risk-based capital ratio | 15.6738% | 3,273 |
| Memoranda: | ||
| Average total assets | $150,452,500 | 4,002 |
| Average earning assets | $138,133,500 | 3,993 |
| Average equity | $15,227,000 | 4,100 |
| Average total loans | $107,989,000 | 3,838 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2163% | 4,433 |
| Cost of funding earning assets | 2.2909% | 5,200 |
| Net interest margin | 3.9254% | 3,459 |
| Noninterest income to average assets | 0.6707% | 3,318 |
| Noninterest expense to average assets | 3.3279% | 2,870 |
| Loan and lease loss provision to assets | 0.0264% | 7,070 |
| Net operating income to assets | 0.6157% | 4,237 |
| Return on assets (ROA) | 0.6113% | 4,119 |
| Pretax return on assets | 0.9183% | 3,667 |
| Return on Equity (ROE) | 5.9864% | 3,947 |
| Retained earnings to average equity (ytd only) | 0.1681% | 5,130 |
| Net charge-offs to loans | 0.1008% | 5,305 |
| Credit loss provision to net charge-offs | 36.3636% | 6,478 |
| Earnings coverage of net charge-offs (x) | 13.1000% | 2,169 |
| Efficiency ratio | 77.7692% | 2,957 |
| Assets per employee ($millions) | 2.4756% | 7,246 |
| Cash dividends to net income (ytd only)* | 97.1922% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 5,069 |
| Loan loss allowance to noncurrent loans | 35.6120% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 2.4478% | 1,981 |
| Noncurrent loans to loans | 3.1705% | 1,668 |
| Net loans and leases to total assets | 69.5466% | 4,128 |
| Net loans and leases to deposits | 79.6272% | 5,111 |
| Net loans and leases to core deposits | 103.2949% | 4,467 |
| Total domestic deposits to total assets | 87.3403% | 1,782 |
| Equity capital to assets | 9.9956% | 4,040 |
| Core capital (leverage) ratio | 10.0573% | 3,391 |
| Tier 1 risk-based capital ratio | 14.3937% | 3,344 |
| Total risk-based capital ratio | 15.6444% | 3,263 |
| Memoranda: | ||
| Average total assets | $151,475,200 | 3,871 |
| Average earning assets | $139,246,200 | 3,865 |
| Average equity | $15,468,400 | 4,032 |
| Average total loans | $109,144,400 | 3,701 |