Home > Escambia County Bank > Performance and Condition Ratios
Escambia County Bank, 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 | 3.6676% | 3,866 |
| Cost of funding earning assets | 0.5862% | 2,699 |
| Net interest margin | 3.0813% | 3,786 |
| Noninterest income to average assets | 0.4687% | 2,750 |
| Noninterest expense to average assets | 3.4976% | 709 |
| Loan and lease loss provision to assets | 0.0952% | 3,129 |
| Net operating income to assets | -0.1973% | 4,839 |
| Return on assets (ROA) | -0.1181% | 4,831 |
| Pretax return on assets | -0.1181% | 4,816 |
| Return on Equity (ROE) | -0.7556% | 4,826 |
| Retained earnings to average equity (ytd only) | -4.7030% | 4,836 |
| Net charge-offs to loans | 0.2388% | 640 |
| Credit loss provision to net charge-offs | 105.8824% | 2,578 |
| Earnings coverage of net charge-offs (x) | -1.1373% | 3,156 |
| Efficiency ratio | 103.0099% | 145 |
| Assets per employee ($millions) | 4.4370% | 3,917 |
| Cash dividends to net income (ytd only)* | -522.3881% | 5,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 1,379 |
| Loan loss allowance to noncurrent loans | 52.4938% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 1,105 |
| Noncurrent loans to loans | 2.8595% | 341 |
| Net loans and leases to total assets | 34.5904% | 4,724 |
| Net loans and leases to deposits | 40.7812% | 4,731 |
| Net loans and leases to core deposits | 45.1715% | 4,681 |
| Total domestic deposits to total assets | 84.8196% | 2,506 |
| Equity capital to assets | 14.9926% | 638 |
| Core capital (leverage) ratio | 14.3951% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,668,500 | 4,307 |
| Average earning assets | $71,871,750 | 4,282 |
| Average equity | $11,822,000 | 4,000 |
| Average total loans | $28,478,750 | 4,564 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 3,762 |
| Cost of funding earning assets | 0.6197% | 2,864 |
| Net interest margin | 3.2206% | 3,608 |
| Noninterest income to average assets | 0.4874% | 2,621 |
| Noninterest expense to average assets | 3.3392% | 937 |
| Loan and lease loss provision to assets | 0.0808% | 3,272 |
| Net operating income to assets | 0.1185% | 4,666 |
| Return on assets (ROA) | 0.2424% | 4,559 |
| Pretax return on assets | 0.2424% | 4,594 |
| Return on Equity (ROE) | 1.5291% | 4,613 |
| Retained earnings to average equity (ytd only) | -4.4175% | 4,750 |
| Net charge-offs to loans | 0.3494% | 462 |
| Credit loss provision to net charge-offs | 60.0000% | 2,587 |
| Earnings coverage of net charge-offs (x) | 1.4800% | 2,856 |
| Efficiency ratio | 94.3683% | 287 |
| Assets per employee ($millions) | 4.2549% | 4,052 |
| Cash dividends to net income (ytd only)* | 388.8889% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,536 |
| Loan loss allowance to noncurrent loans | 49.3185% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 1,108 |
| Noncurrent loans to loans | 2.8685% | 361 |
| Net loans and leases to total assets | 36.2132% | 4,718 |
| Net loans and leases to deposits | 43.0815% | 4,721 |
| Net loans and leases to core deposits | 47.9720% | 4,668 |
| Total domestic deposits to total assets | 84.0576% | 2,735 |
| Equity capital to assets | 15.7910% | 495 |
| Core capital (leverage) ratio | 15.1752% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,269,333 | 4,329 |
| Average earning assets | $70,359,667 | 4,305 |
| Average equity | $11,771,333 | 4,014 |
| Average total loans | $28,622,667 | 4,587 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 3,548 |
| Cost of funding earning assets | 0.6413% | 3,215 |
| Net interest margin | 3.4492% | 3,150 |
| Noninterest income to average assets | 0.6128% | 1,981 |
| Noninterest expense to average assets | 3.4523% | 1,009 |
| Loan and lease loss provision to assets | 0.0274% | 3,447 |
| Net operating income to assets | 0.3994% | 4,138 |
| Return on assets (ROA) | 0.4486% | 4,071 |
| Pretax return on assets | 0.4486% | 4,210 |
| Return on Equity (ROE) | 2.8252% | 4,258 |
| Retained earnings to average equity (ytd only) | -9.2334% | 4,738 |
| Net charge-offs to loans | -0.0277% | 4,441 |
| Credit loss provision to net charge-offs | -250.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9986% | 536 |
| Assets per employee ($millions) | 4.0521% | 3,851 |
| Cash dividends to net income (ytd only)* | 426.8293% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,596 |
| Loan loss allowance to noncurrent loans | 50.5351% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 1,109 |
| Noncurrent loans to loans | 2.8268% | 398 |
| Net loans and leases to total assets | 40.2073% | 4,659 |
| Net loans and leases to deposits | 47.7474% | 4,665 |
| Net loans and leases to core deposits | 54.4284% | 4,553 |
| Total domestic deposits to total assets | 84.2083% | 2,708 |
| Equity capital to assets | 15.6244% | 648 |
| Core capital (leverage) ratio | 15.5039% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,110,000 | 4,358 |
| Average earning assets | $69,233,000 | 4,325 |
| Average equity | $11,610,000 | 4,047 |
| Average total loans | $28,867,500 | 4,619 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 4,077 |
| Cost of funding earning assets | 0.6201% | 3,556 |
| Net interest margin | 3.4629% | 3,555 |
| Noninterest income to average assets | 0.5736% | 2,346 |
| Noninterest expense to average assets | 3.6684% | 794 |
| Loan and lease loss provision to assets | -0.1699% | 5,113 |
| Net operating income to assets | 0.3087% | 4,736 |
| Return on assets (ROA) | 0.3099% | 4,765 |
| Pretax return on assets | 0.3479% | 4,771 |
| Return on Equity (ROE) | 1.9913% | 4,802 |
| Retained earnings to average equity (ytd only) | -1.5022% | 4,845 |
| Net charge-offs to loans | -0.1370% | 4,999 |
| Credit loss provision to net charge-offs | 328.9474% | 846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4047% | 222 |
| Assets per employee ($millions) | 4.0713% | 3,823 |
| Cash dividends to net income (ytd only)* | 175.4386% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,251 |
| Loan loss allowance to noncurrent loans | 50.3008% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 1,057 |
| Noncurrent loans to loans | 2.9696% | 321 |
| Net loans and leases to total assets | 37.6158% | 4,804 |
| Net loans and leases to deposits | 44.9624% | 4,807 |
| Net loans and leases to core deposits | 51.2427% | 4,726 |
| Total domestic deposits to total assets | 83.6606% | 2,969 |
| Equity capital to assets | 16.1347% | 579 |
| Core capital (leverage) ratio | 15.6645% | 563 |
| Tier 1 risk-based capital ratio | 33.4181% | 376 |
| Total risk-based capital ratio | 34.6264% | 371 |
| Memoranda: | ||
| Average total assets | $73,574,400 | 4,372 |
| Average earning assets | $69,509,200 | 4,350 |
| Average equity | $11,449,800 | 4,060 |
| Average total loans | $27,742,600 | 4,689 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 4,105 |
| Cost of funding earning assets | 0.6061% | 3,666 |
| Net interest margin | 3.5158% | 3,521 |
| Noninterest income to average assets | 0.5829% | 2,296 |
| Noninterest expense to average assets | 3.5447% | 907 |
| Loan and lease loss provision to assets | -0.2263% | 5,213 |
| Net operating income to assets | 0.5757% | 4,361 |
| Return on assets (ROA) | 0.5775% | 4,400 |
| Pretax return on assets | 0.5847% | 4,567 |
| Return on Equity (ROE) | 3.7453% | 4,632 |
| Retained earnings to average equity (ytd only) | -0.9510% | 4,855 |
| Net charge-offs to loans | -0.4094% | 5,177 |
| Credit loss provision to net charge-offs | 147.0588% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8585% | 302 |
| Assets per employee ($millions) | 4.1324% | 3,705 |
| Cash dividends to net income (ytd only)* | 125.3926% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 872 |
| Loan loss allowance to noncurrent loans | 52.7809% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.1844% | 1,075 |
| Noncurrent loans to loans | 3.1557% | 296 |
| Net loans and leases to total assets | 36.9076% | 4,906 |
| Net loans and leases to deposits | 43.9790% | 4,911 |
| Net loans and leases to core deposits | 49.9863% | 4,835 |
| Total domestic deposits to total assets | 83.9211% | 2,852 |
| Equity capital to assets | 15.8948% | 653 |
| Core capital (leverage) ratio | 15.7589% | 589 |
| Tier 1 risk-based capital ratio | 33.5928% | 383 |
| Total risk-based capital ratio | 34.8440% | 380 |
| Memoranda: | ||
| Average total assets | $73,647,250 | 4,433 |
| Average earning assets | $69,512,500 | 4,405 |
| Average equity | $11,356,250 | 4,116 |
| Average total loans | $27,682,250 | 4,757 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 3,993 |
| Cost of funding earning assets | 0.5854% | 3,723 |
| Net interest margin | 3.5845% | 3,316 |
| Noninterest income to average assets | 0.5831% | 2,233 |
| Noninterest expense to average assets | 3.5912% | 857 |
| Loan and lease loss provision to assets | -0.3406% | 5,279 |
| Net operating income to assets | 0.7139% | 3,957 |
| Return on assets (ROA) | 0.7166% | 4,007 |
| Pretax return on assets | 0.7221% | 4,278 |
| Return on Equity (ROE) | 4.6961% | 4,420 |
| Retained earnings to average equity (ytd only) | -2.4463% | 4,944 |
| Net charge-offs to loans | -0.6159% | 5,237 |
| Credit loss provision to net charge-offs | 147.0588% | 1,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4598% | 336 |
| Assets per employee ($millions) | 4.0921% | 3,745 |
| Cash dividends to net income (ytd only)* | 152.0913% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 912 |
| Loan loss allowance to noncurrent loans | 75.7329% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 1,690 |
| Noncurrent loans to loans | 2.1826% | 622 |
| Net loans and leases to total assets | 37.5606% | 4,927 |
| Net loans and leases to deposits | 44.7149% | 4,937 |
| Net loans and leases to core deposits | 50.6583% | 4,854 |
| Total domestic deposits to total assets | 84.0002% | 2,864 |
| Equity capital to assets | 15.8627% | 633 |
| Core capital (leverage) ratio | 15.3565% | 638 |
| Tier 1 risk-based capital ratio | 36.5908% | 299 |
| Total risk-based capital ratio | 37.8436% | 295 |
| Memoranda: | ||
| Average total assets | $73,402,000 | 4,469 |
| Average earning assets | $69,354,000 | 4,445 |
| Average equity | $11,200,670 | 4,144 |
| Average total loans | $27,603,670 | 4,793 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 4,181 |
| Cost of funding earning assets | 0.5606% | 3,784 |
| Net interest margin | 3.5197% | 3,540 |
| Noninterest income to average assets | 0.6005% | 2,042 |
| Noninterest expense to average assets | 3.5538% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3657% | 4,804 |
| Return on assets (ROA) | 0.3657% | 4,813 |
| Pretax return on assets | 0.3712% | 4,874 |
| Return on Equity (ROE) | 2.4455% | 4,902 |
| Retained earnings to average equity (ytd only) | -12.1544% | 5,160 |
| Net charge-offs to loans | 0.2487% | 583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,355 |
| Efficiency ratio | 90.5424% | 375 |
| Assets per employee ($millions) | 3.9342% | 4,021 |
| Cash dividends to net income (ytd only)* | 597.0149% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 763 |
| Loan loss allowance to noncurrent loans | 71.4495% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 1,539 |
| Noncurrent loans to loans | 2.4629% | 539 |
| Net loans and leases to total assets | 36.4468% | 5,006 |
| Net loans and leases to deposits | 42.8035% | 5,015 |
| Net loans and leases to core deposits | 48.1487% | 4,934 |
| Total domestic deposits to total assets | 85.1492% | 2,623 |
| Equity capital to assets | 14.7184% | 823 |
| Core capital (leverage) ratio | 15.3168% | 633 |
| Tier 1 risk-based capital ratio | 36.6807% | 286 |
| Total risk-based capital ratio | 37.9356% | 282 |
| Memoranda: | ||
| Average total assets | $73,274,500 | 4,519 |
| Average earning assets | $69,209,500 | 4,496 |
| Average equity | $10,959,000 | 4,195 |
| Average total loans | $27,340,000 | 4,857 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,940 |
| Cost of funding earning assets | 0.4346% | 3,774 |
| Net interest margin | 3.5976% | 3,391 |
| Noninterest income to average assets | 0.6340% | 2,134 |
| Noninterest expense to average assets | 3.5422% | 942 |
| Loan and lease loss provision to assets | -0.3530% | 5,372 |
| Net operating income to assets | 0.8098% | 3,769 |
| Return on assets (ROA) | 0.8098% | 3,771 |
| Pretax return on assets | 0.8361% | 4,079 |
| Return on Equity (ROE) | 5.4209% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.5676% | 3,626 |
| Net charge-offs to loans | -0.7284% | 5,357 |
| Credit loss provision to net charge-offs | 134.9206% | 1,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9986% | 436 |
| Assets per employee ($millions) | 3.7789% | 4,213 |
| Cash dividends to net income (ytd only)* | 34.1880% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 600 |
| Loan loss allowance to noncurrent loans | 84.4482% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 1,675 |
| Noncurrent loans to loans | 2.2191% | 580 |
| Net loans and leases to total assets | 36.8292% | 5,050 |
| Net loans and leases to deposits | 43.5419% | 5,036 |
| Net loans and leases to core deposits | 49.2907% | 4,962 |
| Total domestic deposits to total assets | 84.5834% | 2,805 |
| Equity capital to assets | 15.2036% | 667 |
| Core capital (leverage) ratio | 16.0876% | 501 |
| Tier 1 risk-based capital ratio | 35.8742% | 299 |
| Total risk-based capital ratio | 37.1277% | 296 |
| Memoranda: | ||
| Average total assets | $72,243,000 | 4,546 |
| Average earning assets | $68,101,000 | 4,525 |
| Average equity | $10,791,600 | 4,192 |
| Average total loans | $25,945,600 | 4,909 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,711 |
| Cost of funding earning assets | 0.4091% | 3,796 |
| Net interest margin | 3.6681% | 3,128 |
| Noninterest income to average assets | 0.6370% | 2,133 |
| Noninterest expense to average assets | 3.4684% | 1,027 |
| Loan and lease loss provision to assets | -0.5412% | 5,456 |
| Net operating income to assets | 1.0751% | 2,765 |
| Return on assets (ROA) | 1.0751% | 2,773 |
| Pretax return on assets | 1.1432% | 3,226 |
| Return on Equity (ROE) | 7.2362% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.7581% | 3,366 |
| Net charge-offs to loans | -1.0689% | 5,432 |
| Credit loss provision to net charge-offs | 142.7184% | 1,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2103% | 563 |
| Assets per employee ($millions) | 3.8577% | 4,096 |
| Cash dividends to net income (ytd only)* | 34.2465% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 663 |
| Loan loss allowance to noncurrent loans | 81.7259% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 1,828 |
| Noncurrent loans to loans | 2.2550% | 616 |
| Net loans and leases to total assets | 35.0969% | 5,167 |
| Net loans and leases to deposits | 41.3825% | 5,173 |
| Net loans and leases to core deposits | 46.8017% | 5,088 |
| Total domestic deposits to total assets | 84.8111% | 2,681 |
| Equity capital to assets | 14.5913% | 804 |
| Core capital (leverage) ratio | 16.1242% | 501 |
| Tier 1 risk-based capital ratio | 36.1185% | 297 |
| Total risk-based capital ratio | 37.3715% | 294 |
| Memoranda: | ||
| Average total assets | $72,424,500 | 4,595 |
| Average earning assets | $67,789,500 | 4,575 |
| Average equity | $10,760,500 | 4,234 |
| Average total loans | $25,695,000 | 4,977 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 3,251 |
| Cost of funding earning assets | 0.3769% | 3,899 |
| Net interest margin | 3.7808% | 2,631 |
| Noninterest income to average assets | 0.5906% | 2,379 |
| Noninterest expense to average assets | 3.5046% | 990 |
| Loan and lease loss provision to assets | -0.8318% | 5,529 |
| Net operating income to assets | 1.3752% | 1,522 |
| Return on assets (ROA) | 1.3752% | 1,524 |
| Pretax return on assets | 1.4778% | 1,899 |
| Return on Equity (ROE) | 9.2002% | 2,931 |
| Retained earnings to average equity (ytd only) | 5.4905% | 2,829 |
| Net charge-offs to loans | -1.7944% | 5,500 |
| Credit loss provision to net charge-offs | 131.0044% | 1,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4355% | 665 |
| Assets per employee ($millions) | 3.7609% | 4,264 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 551 |
| Loan loss allowance to noncurrent loans | 83.4725% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 1,781 |
| Noncurrent loans to loans | 2.3507% | 573 |
| Net loans and leases to total assets | 34.9609% | 5,207 |
| Net loans and leases to deposits | 41.2367% | 5,213 |
| Net loans and leases to core deposits | 46.8249% | 5,126 |
| Total domestic deposits to total assets | 84.7811% | 2,757 |
| Equity capital to assets | 15.0314% | 677 |
| Core capital (leverage) ratio | 16.0247% | 488 |
| Tier 1 risk-based capital ratio | 36.6394% | 283 |
| Total risk-based capital ratio | 37.8886% | 280 |
| Memoranda: | ||
| Average total assets | $72,133,670 | 4,651 |
| Average earning assets | $67,922,670 | 4,622 |
| Average equity | $10,782,330 | 4,264 |
| Average total loans | $25,524,000 | 5,038 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 4,730 |
| Cost of funding earning assets | 0.3506% | 3,987 |
| Net interest margin | 3.2369% | 4,350 |
| Noninterest income to average assets | 0.6237% | 2,157 |
| Noninterest expense to average assets | 3.4441% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2373% | 5,203 |
| Return on assets (ROA) | 0.2373% | 5,201 |
| Pretax return on assets | 0.2373% | 5,233 |
| Return on Equity (ROE) | 1.5922% | 5,236 |
| Retained earnings to average equity (ytd only) | -5.8132% | 5,243 |
| Net charge-offs to loans | 0.0313% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,430 |
| Efficiency ratio | 93.5532% | 313 |
| Assets per employee ($millions) | 3.8202% | 4,259 |
| Cash dividends to net income (ytd only)* | 465.1163% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 380 |
| Loan loss allowance to noncurrent loans | 85.4354% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9561% | 1,655 |
| Noncurrent loans to loans | 2.5923% | 510 |
| Net loans and leases to total assets | 34.6114% | 5,252 |
| Net loans and leases to deposits | 40.4750% | 5,253 |
| Net loans and leases to core deposits | 45.5902% | 5,177 |
| Total domestic deposits to total assets | 85.5131% | 2,746 |
| Equity capital to assets | 14.4207% | 791 |
| Core capital (leverage) ratio | 15.3171% | 589 |
| Tier 1 risk-based capital ratio | 33.9832% | 349 |
| Total risk-based capital ratio | 35.2404% | 344 |
| Memoranda: | ||
| Average total assets | $72,472,000 | 4,700 |
| Average earning assets | $68,461,000 | 4,669 |
| Average equity | $10,803,000 | 4,307 |
| Average total loans | $25,545,000 | 5,088 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 4,620 |
| Cost of funding earning assets | 0.2790% | 4,321 |
| Net interest margin | 3.2981% | 4,170 |
| Noninterest income to average assets | 0.5668% | 2,616 |
| Noninterest expense to average assets | 3.4750% | 1,079 |
| Loan and lease loss provision to assets | -0.0676% | 5,425 |
| Net operating income to assets | 0.3192% | 4,899 |
| Return on assets (ROA) | 0.3192% | 4,913 |
| Pretax return on assets | 0.2773% | 5,233 |
| Return on Equity (ROE) | 2.1145% | 5,036 |
| Retained earnings to average equity (ytd only) | -0.1254% | 5,051 |
| Net charge-offs to loans | 0.3539% | 717 |
| Credit loss provision to net charge-offs | -60.9756% | 4,662 |
| Earnings coverage of net charge-offs (x) | 1.8902% | 3,836 |
| Efficiency ratio | 94.3098% | 286 |
| Assets per employee ($millions) | 3.8085% | 4,268 |
| Cash dividends to net income (ytd only)* | 105.9322% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2481% | 340 |
| Loan loss allowance to noncurrent loans | 84.5926% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9784% | 1,585 |
| Noncurrent loans to loans | 2.6576% | 480 |
| Net loans and leases to total assets | 34.3113% | 5,335 |
| Net loans and leases to deposits | 40.6297% | 5,328 |
| Net loans and leases to core deposits | 46.0810% | 5,235 |
| Total domestic deposits to total assets | 84.4488% | 3,057 |
| Equity capital to assets | 15.3937% | 605 |
| Core capital (leverage) ratio | 15.6877% | 516 |
| Tier 1 risk-based capital ratio | 34.4652% | 333 |
| Total risk-based capital ratio | 35.7225% | 323 |
| Memoranda: | ||
| Average total assets | $73,928,000 | 4,707 |
| Average earning assets | $69,888,400 | 4,668 |
| Average equity | $11,161,000 | 4,275 |
| Average total loans | $23,169,600 | 5,218 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5418% | 4,712 |
| Cost of funding earning assets | 0.2638% | 4,444 |
| Net interest margin | 3.2780% | 4,235 |
| Noninterest income to average assets | 0.5723% | 2,619 |
| Noninterest expense to average assets | 3.4445% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2817% | 5,251 |
| Return on assets (ROA) | 0.2817% | 5,268 |
| Pretax return on assets | 0.2261% | 5,363 |
| Return on Equity (ROE) | 1.8746% | 5,326 |
| Retained earnings to average equity (ytd only) | -1.1105% | 5,363 |
| Net charge-offs to loans | 0.3774% | 559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.9688% | 3,523 |
| Efficiency ratio | 93.8416% | 292 |
| Assets per employee ($millions) | 3.8462% | 4,241 |
| Cash dividends to net income (ytd only)* | 159.2366% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7168% | 203 |
| Loan loss allowance to noncurrent loans | 356.9832% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 3,876 |
| Noncurrent loans to loans | 0.7611% | 2,455 |
| Net loans and leases to total assets | 31.3108% | 5,469 |
| Net loans and leases to deposits | 38.1681% | 5,455 |
| Net loans and leases to core deposits | 43.6086% | 5,372 |
| Total domestic deposits to total assets | 82.0340% | 3,770 |
| Equity capital to assets | 15.5890% | 617 |
| Core capital (leverage) ratio | 15.3778% | 600 |
| Tier 1 risk-based capital ratio | 36.2173% | 296 |
| Total risk-based capital ratio | 37.4771% | 291 |
| Memoranda: | ||
| Average total assets | $74,319,750 | 4,752 |
| Average earning assets | $70,245,250 | 4,711 |
| Average equity | $11,166,500 | 4,319 |
| Average total loans | $22,612,250 | 5,292 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5445% | 4,644 |
| Cost of funding earning assets | 0.2405% | 4,636 |
| Net interest margin | 3.3041% | 4,092 |
| Noninterest income to average assets | 0.5700% | 2,602 |
| Noninterest expense to average assets | 3.3960% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3827% | 5,013 |
| Return on assets (ROA) | 0.3827% | 5,042 |
| Pretax return on assets | 0.2997% | 5,339 |
| Return on Equity (ROE) | 2.5786% | 5,227 |
| Retained earnings to average equity (ytd only) | -1.9294% | 5,341 |
| Net charge-offs to loans | 0.4572% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.1961% | 3,194 |
| Efficiency ratio | 91.8899% | 367 |
| Assets per employee ($millions) | 4.0796% | 3,833 |
| Cash dividends to net income (ytd only)* | 174.8252% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8529% | 188 |
| Loan loss allowance to noncurrent loans | 332.6531% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 3,816 |
| Noncurrent loans to loans | 0.8576% | 2,266 |
| Net loans and leases to total assets | 30.2344% | 5,536 |
| Net loans and leases to deposits | 36.4338% | 5,530 |
| Net loans and leases to core deposits | 41.5130% | 5,456 |
| Total domestic deposits to total assets | 82.9845% | 3,574 |
| Equity capital to assets | 15.5570% | 603 |
| Core capital (leverage) ratio | 15.0353% | 620 |
| Tier 1 risk-based capital ratio | 36.4228% | 271 |
| Total risk-based capital ratio | 37.6816% | 269 |
| Memoranda: | ||
| Average total assets | $74,734,000 | 4,772 |
| Average earning assets | $70,700,670 | 4,733 |
| Average equity | $11,091,330 | 4,347 |
| Average total loans | $22,309,670 | 5,344 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4991% | 4,695 |
| Cost of funding earning assets | 0.2303% | 4,716 |
| Net interest margin | 3.2688% | 4,120 |
| Noninterest income to average assets | 0.6102% | 2,371 |
| Noninterest expense to average assets | 3.4384% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2600% | 5,288 |
| Return on assets (ROA) | 0.2600% | 5,306 |
| Pretax return on assets | 0.2600% | 5,363 |
| Return on Equity (ROE) | 1.7941% | 5,367 |
| Retained earnings to average equity (ytd only) | -7.3593% | 5,504 |
| Net charge-offs to loans | 0.9983% | 169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.8909% | 2,786 |
| Efficiency ratio | 92.9699% | 416 |
| Assets per employee ($millions) | 3.8000% | 4,345 |
| Cash dividends to net income (ytd only)* | 510.2041% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8996% | 197 |
| Loan loss allowance to noncurrent loans | 313.0435% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 3,842 |
| Noncurrent loans to loans | 0.9263% | 2,187 |
| Net loans and leases to total assets | 28.5526% | 5,617 |
| Net loans and leases to deposits | 34.1765% | 5,615 |
| Net loans and leases to core deposits | 38.3372% | 5,568 |
| Total domestic deposits to total assets | 83.5447% | 3,640 |
| Equity capital to assets | 14.3605% | 796 |
| Core capital (leverage) ratio | 14.7157% | 663 |
| Tier 1 risk-based capital ratio | 36.3669% | 291 |
| Total risk-based capital ratio | 37.6279% | 285 |
| Memoranda: | ||
| Average total assets | $75,384,500 | 4,809 |
| Average earning assets | $71,218,500 | 4,760 |
| Average equity | $10,925,000 | 4,401 |
| Average total loans | $22,037,500 | 5,405 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 4,954 |
| Cost of funding earning assets | 0.2446% | 4,615 |
| Net interest margin | 3.1672% | 4,544 |
| Noninterest income to average assets | 0.5548% | 2,888 |
| Noninterest expense to average assets | 3.3949% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1505% | 5,495 |
| Return on assets (ROA) | 0.2561% | 5,378 |
| Pretax return on assets | 0.2677% | 5,407 |
| Return on Equity (ROE) | 1.6903% | 5,459 |
| Retained earnings to average equity (ytd only) | -0.4439% | 5,370 |
| Net charge-offs to loans | 0.0745% | 2,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 2,991 |
| Efficiency ratio | 95.5588% | 326 |
| Assets per employee ($millions) | 3.7385% | 4,412 |
| Cash dividends to net income (ytd only)* | 126.2626% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2356% | 139 |
| Loan loss allowance to noncurrent loans | 244.0972% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 3,423 |
| Noncurrent loans to loans | 1.3255% | 1,553 |
| Net loans and leases to total assets | 28.1186% | 5,679 |
| Net loans and leases to deposits | 33.3275% | 5,691 |
| Net loans and leases to core deposits | 37.5784% | 5,646 |
| Total domestic deposits to total assets | 84.3705% | 3,285 |
| Equity capital to assets | 14.6264% | 705 |
| Core capital (leverage) ratio | 14.9734% | 604 |
| Tier 1 risk-based capital ratio | 37.1903% | 270 |
| Total risk-based capital ratio | 38.4537% | 265 |
| Memoranda: | ||
| Average total assets | $77,322,600 | 4,784 |
| Average earning assets | $73,187,200 | 4,733 |
| Average equity | $11,713,600 | 4,293 |
| Average total loans | $21,478,400 | 5,467 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 5,037 |
| Cost of funding earning assets | 0.2443% | 4,659 |
| Net interest margin | 3.1488% | 4,643 |
| Noninterest income to average assets | 0.5575% | 2,881 |
| Noninterest expense to average assets | 3.3589% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1725% | 5,516 |
| Return on assets (ROA) | 0.3164% | 5,333 |
| Pretax return on assets | 0.3198% | 5,432 |
| Return on Equity (ROE) | 2.0714% | 5,458 |
| Retained earnings to average equity (ytd only) | -0.7277% | 5,462 |
| Net charge-offs to loans | 0.1121% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 3,099 |
| Efficiency ratio | 95.0629% | 347 |
| Assets per employee ($millions) | 3.9997% | 3,967 |
| Cash dividends to net income (ytd only)* | 135.1374% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2437% | 141 |
| Loan loss allowance to noncurrent loans | 232.1192% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 3,510 |
| Noncurrent loans to loans | 1.3974% | 1,575 |
| Net loans and leases to total assets | 27.5153% | 5,767 |
| Net loans and leases to deposits | 32.8830% | 5,775 |
| Net loans and leases to core deposits | 36.4451% | 5,748 |
| Total domestic deposits to total assets | 83.6763% | 3,328 |
| Equity capital to assets | 15.8934% | 566 |
| Core capital (leverage) ratio | 14.7589% | 677 |
| Tier 1 risk-based capital ratio | 36.9025% | 293 |
| Total risk-based capital ratio | 38.1641% | 288 |
| Memoranda: | ||
| Average total assets | $77,961,000 | 4,809 |
| Average earning assets | $73,678,000 | 4,764 |
| Average equity | $11,908,000 | 4,301 |
| Average total loans | $21,416,250 | 5,520 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3726% | 5,141 |
| Cost of funding earning assets | 0.2449% | 4,708 |
| Net interest margin | 3.1277% | 4,756 |
| Noninterest income to average assets | 0.5571% | 2,865 |
| Noninterest expense to average assets | 3.3453% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1658% | 5,587 |
| Return on assets (ROA) | 0.3104% | 5,384 |
| Pretax return on assets | 0.3155% | 5,482 |
| Return on Equity (ROE) | 2.0588% | 5,494 |
| Retained earnings to average equity (ytd only) | -2.1601% | 5,558 |
| Net charge-offs to loans | 0.0656% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 2,424 |
| Efficiency ratio | 95.2209% | 372 |
| Assets per employee ($millions) | 3.9059% | 4,084 |
| Cash dividends to net income (ytd only)* | 204.9180% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3206% | 142 |
| Loan loss allowance to noncurrent loans | 218.4049% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 3,504 |
| Noncurrent loans to loans | 1.5204% | 1,434 |
| Net loans and leases to total assets | 26.5368% | 5,858 |
| Net loans and leases to deposits | 31.5866% | 5,862 |
| Net loans and leases to core deposits | 35.5819% | 5,819 |
| Total domestic deposits to total assets | 84.0126% | 3,263 |
| Equity capital to assets | 15.5688% | 613 |
| Core capital (leverage) ratio | 14.3498% | 736 |
| Tier 1 risk-based capital ratio | 36.5728% | 297 |
| Total risk-based capital ratio | 37.8366% | 296 |
| Memoranda: | ||
| Average total assets | $78,616,670 | 4,848 |
| Average earning assets | $74,303,670 | 4,795 |
| Average equity | $11,851,330 | 4,343 |
| Average total loans | $21,351,330 | 5,585 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,268 |
| Cost of funding earning assets | 0.2530% | 4,669 |
| Net interest margin | 3.0740% | 4,938 |
| Noninterest income to average assets | 0.6036% | 2,509 |
| Noninterest expense to average assets | 3.2308% | 1,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2618% | 5,405 |
| Return on assets (ROA) | 0.4159% | 5,021 |
| Pretax return on assets | 0.4260% | 5,253 |
| Return on Equity (ROE) | 2.8044% | 5,299 |
| Retained earnings to average equity (ytd only) | -5.7456% | 5,642 |
| Net charge-offs to loans | -0.0375% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3188% | 529 |
| Assets per employee ($millions) | 4.1727% | 3,637 |
| Cash dividends to net income (ytd only)* | 304.8780% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4064% | 148 |
| Loan loss allowance to noncurrent loans | 60.6392% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6196% | 1,224 |
| Noncurrent loans to loans | 5.6175% | 161 |
| Net loans and leases to total assets | 25.7880% | 5,919 |
| Net loans and leases to deposits | 30.3365% | 5,924 |
| Net loans and leases to core deposits | 34.6332% | 5,882 |
| Total domestic deposits to total assets | 85.0065% | 3,134 |
| Equity capital to assets | 14.8800% | 718 |
| Core capital (leverage) ratio | 14.3559% | 724 |
| Tier 1 risk-based capital ratio | 36.9412% | 292 |
| Total risk-based capital ratio | 38.2058% | 286 |
| Memoranda: | ||
| Average total assets | $78,866,000 | 4,885 |
| Average earning assets | $74,299,500 | 4,841 |
| Average equity | $11,696,000 | 4,385 |
| Average total loans | $21,306,000 | 5,632 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 5,481 |
| Cost of funding earning assets | 0.2628% | 4,669 |
| Net interest margin | 2.9614% | 5,222 |
| Noninterest income to average assets | 0.7336% | 2,050 |
| Noninterest expense to average assets | 3.1153% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3806% | 5,106 |
| Return on assets (ROA) | 0.4579% | 4,934 |
| Pretax return on assets | 0.5047% | 5,103 |
| Return on Equity (ROE) | 3.2209% | 5,227 |
| Retained earnings to average equity (ytd only) | 0.6234% | 5,269 |
| Net charge-offs to loans | -0.8614% | 6,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1267% | 826 |
| Assets per employee ($millions) | 4.1290% | 3,699 |
| Cash dividends to net income (ytd only)* | 80.6452% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3526% | 152 |
| Loan loss allowance to noncurrent loans | 59.6186% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 1,157 |
| Noncurrent loans to loans | 5.6234% | 158 |
| Net loans and leases to total assets | 26.4203% | 5,967 |
| Net loans and leases to deposits | 31.7879% | 5,971 |
| Net loans and leases to core deposits | 36.3039% | 5,916 |
| Total domestic deposits to total assets | 83.1143% | 3,804 |
| Equity capital to assets | 14.7799% | 709 |
| Core capital (leverage) ratio | 14.4004% | 734 |
| Tier 1 risk-based capital ratio | 36.7367% | 287 |
| Total risk-based capital ratio | 37.9985% | 284 |
| Memoranda: | ||
| Average total assets | $81,244,000 | 4,840 |
| Average earning assets | $76,855,400 | 4,790 |
| Average equity | $11,549,600 | 4,383 |
| Average total loans | $20,547,000 | 5,701 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 5,578 |
| Cost of funding earning assets | 0.2622% | 4,758 |
| Net interest margin | 2.9412% | 5,330 |
| Noninterest income to average assets | 0.6866% | 2,295 |
| Noninterest expense to average assets | 3.1192% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3284% | 5,373 |
| Return on assets (ROA) | 0.4003% | 5,257 |
| Pretax return on assets | 0.4165% | 5,438 |
| Return on Equity (ROE) | 2.8426% | 5,442 |
| Retained earnings to average equity (ytd only) | -0.6240% | 5,703 |
| Net charge-offs to loans | -1.1875% | 6,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1269% | 690 |
| Assets per employee ($millions) | 4.2255% | 3,466 |
| Cash dividends to net income (ytd only)* | 121.9519% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5485% | 136 |
| Loan loss allowance to noncurrent loans | 58.6851% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.3093% | 792 |
| Noncurrent loans to loans | 6.0466% | 137 |
| Net loans and leases to total assets | 24.4781% | 6,083 |
| Net loans and leases to deposits | 29.3458% | 6,084 |
| Net loans and leases to core deposits | 34.7768% | 6,034 |
| Total domestic deposits to total assets | 83.4126% | 3,650 |
| Equity capital to assets | 14.4686% | 869 |
| Core capital (leverage) ratio | 14.1185% | 832 |
| Tier 1 risk-based capital ratio | 36.0572% | 324 |
| Total risk-based capital ratio | 37.3191% | 323 |
| Memoranda: | ||
| Average total assets | $81,942,250 | 4,885 |
| Average earning assets | $77,291,250 | 4,837 |
| Average equity | $11,538,250 | 4,433 |
| Average total loans | $20,322,250 | 5,778 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2399% | 5,556 |
| Cost of funding earning assets | 0.2599% | 4,833 |
| Net interest margin | 2.9800% | 5,272 |
| Noninterest income to average assets | 0.6764% | 2,317 |
| Noninterest expense to average assets | 3.0959% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3750% | 5,215 |
| Return on assets (ROA) | 0.4267% | 5,155 |
| Pretax return on assets | 0.4412% | 5,373 |
| Return on Equity (ROE) | 3.0576% | 5,381 |
| Retained earnings to average equity (ytd only) | -2.1542% | 5,845 |
| Net charge-offs to loans | -1.9306% | 6,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8657% | 838 |
| Assets per employee ($millions) | 4.2698% | 3,357 |
| Cash dividends to net income (ytd only)* | 170.4545% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6678% | 141 |
| Loan loss allowance to noncurrent loans | 83.1081% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.8872% | 1,207 |
| Noncurrent loans to loans | 4.4133% | 314 |
| Net loans and leases to total assets | 23.8922% | 6,161 |
| Net loans and leases to deposits | 28.4672% | 6,160 |
| Net loans and leases to core deposits | 33.3408% | 6,117 |
| Total domestic deposits to total assets | 83.9289% | 3,600 |
| Equity capital to assets | 13.8782% | 1,021 |
| Core capital (leverage) ratio | 13.7647% | 915 |
| Tier 1 risk-based capital ratio | 35.6911% | 348 |
| Total risk-based capital ratio | 36.9543% | 343 |
| Memoranda: | ||
| Average total assets | $82,495,000 | 4,926 |
| Average earning assets | $77,719,330 | 4,877 |
| Average equity | $11,512,330 | 4,467 |
| Average total loans | $20,304,670 | 5,834 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2532% | 5,550 |
| Cost of funding earning assets | 0.2554% | 4,960 |
| Net interest margin | 2.9978% | 5,220 |
| Noninterest income to average assets | 0.6492% | 2,404 |
| Noninterest expense to average assets | 3.1643% | 2,080 |
| Loan and lease loss provision to assets | 0.0385% | 3,137 |
| Net operating income to assets | 0.2629% | 5,524 |
| Return on assets (ROA) | 0.3655% | 5,321 |
| Pretax return on assets | 0.3751% | 5,482 |
| Return on Equity (ROE) | 2.6119% | 5,505 |
| Retained earnings to average equity (ytd only) | -7.6983% | 6,064 |
| Net charge-offs to loans | 0.0392% | 2,438 |
| Credit loss provision to net charge-offs | 400.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,108 |
| Efficiency ratio | 91.1357% | 770 |
| Assets per employee ($millions) | 4.6214% | 2,872 |
| Cash dividends to net income (ytd only)* | 394.7368% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7060% | 406 |
| Loan loss allowance to noncurrent loans | 59.5652% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.2323% | 1,025 |
| Noncurrent loans to loans | 4.5430% | 338 |
| Net loans and leases to total assets | 23.6855% | 6,217 |
| Net loans and leases to deposits | 27.5536% | 6,225 |
| Net loans and leases to core deposits | 32.0057% | 6,183 |
| Total domestic deposits to total assets | 85.9616% | 2,963 |
| Equity capital to assets | 13.9783% | 992 |
| Core capital (leverage) ratio | 13.4271% | 999 |
| Tier 1 risk-based capital ratio | 50.0991% | 155 |
| Total risk-based capital ratio | 51.3655% | 154 |
| Memoranda: | ||
| Average total assets | $83,179,000 | 4,958 |
| Average earning assets | $78,323,500 | 4,911 |
| Average equity | $11,639,000 | 4,481 |
| Average total loans | $20,396,500 | 5,879 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 5,411 |
| Cost of funding earning assets | 0.2997% | 4,803 |
| Net interest margin | 3.1637% | 5,036 |
| Noninterest income to average assets | 0.8448% | 1,703 |
| Noninterest expense to average assets | 3.2227% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5649% | 4,532 |
| Return on assets (ROA) | 0.5661% | 4,616 |
| Pretax return on assets | 0.5661% | 5,050 |
| Return on Equity (ROE) | 4.3214% | 4,972 |
| Retained earnings to average equity (ytd only) | 1.9677% | 4,811 |
| Net charge-offs to loans | 2.0744% | 90 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.0481% | 4,504 |
| Efficiency ratio | 85.0863% | 1,270 |
| Assets per employee ($millions) | 4.3775% | 3,225 |
| Cash dividends to net income (ytd only)* | 54.4662% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6385% | 463 |
| Loan loss allowance to noncurrent loans | 49.0498% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 2.4888% | 928 |
| Noncurrent loans to loans | 5.3792% | 247 |
| Net loans and leases to total assets | 24.0466% | 6,312 |
| Net loans and leases to deposits | 28.0077% | 6,321 |
| Net loans and leases to core deposits | 32.8348% | 6,265 |
| Total domestic deposits to total assets | 85.8570% | 2,917 |
| Equity capital to assets | 14.0071% | 951 |
| Core capital (leverage) ratio | 13.7764% | 872 |
| Tier 1 risk-based capital ratio | 33.4474% | 382 |
| Total risk-based capital ratio | 34.7008% | 375 |
| Memoranda: | ||
| Average total assets | $81,082,200 | 5,037 |
| Average earning assets | $75,417,400 | 5,007 |
| Average equity | $10,621,600 | 4,632 |
| Average total loans | $21,066,000 | 5,917 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5108% | 5,371 |
| Cost of funding earning assets | 0.3054% | 4,836 |
| Net interest margin | 3.2054% | 4,948 |
| Noninterest income to average assets | 0.9583% | 1,343 |
| Noninterest expense to average assets | 3.1678% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7316% | 3,779 |
| Return on assets (ROA) | 0.7332% | 3,869 |
| Pretax return on assets | 0.7630% | 4,496 |
| Return on Equity (ROE) | 5.6988% | 4,394 |
| Retained earnings to average equity (ytd only) | 2.4828% | 4,807 |
| Net charge-offs to loans | -0.0063% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6234% | 1,820 |
| Assets per employee ($millions) | 4.1608% | 3,545 |
| Cash dividends to net income (ytd only)* | 56.4344% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5895% | 101 |
| Loan loss allowance to noncurrent loans | 513.0890% | 949 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 2,217 |
| Noncurrent loans to loans | 0.8945% | 3,329 |
| Net loans and leases to total assets | 25.7707% | 6,362 |
| Net loans and leases to deposits | 30.0203% | 6,367 |
| Net loans and leases to core deposits | 33.3126% | 6,335 |
| Total domestic deposits to total assets | 85.8440% | 2,935 |
| Equity capital to assets | 13.9270% | 1,033 |
| Core capital (leverage) ratio | 14.2647% | 781 |
| Tier 1 risk-based capital ratio | 34.0172% | 388 |
| Total risk-based capital ratio | 35.2878% | 382 |
| Memoranda: | ||
| Average total assets | $80,559,750 | 5,105 |
| Average earning assets | $74,663,250 | 5,081 |
| Average equity | $10,364,500 | 4,716 |
| Average total loans | $21,197,000 | 5,972 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 5,403 |
| Cost of funding earning assets | 0.3069% | 4,906 |
| Net interest margin | 3.1966% | 4,959 |
| Noninterest income to average assets | 0.9844% | 1,246 |
| Noninterest expense to average assets | 3.1211% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7896% | 3,381 |
| Return on assets (ROA) | 0.7920% | 3,471 |
| Pretax return on assets | 0.8216% | 4,191 |
| Return on Equity (ROE) | 6.3255% | 3,978 |
| Retained earnings to average equity (ytd only) | 1.3991% | 5,183 |
| Net charge-offs to loans | -0.0757% | 6,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2110% | 2,134 |
| Assets per employee ($millions) | 3.9399% | 3,973 |
| Cash dividends to net income (ytd only)* | 77.8816% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7205% | 99 |
| Loan loss allowance to noncurrent loans | 24,675.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 1.4252% | 2,291 |
| Noncurrent loans to loans | 0.0191% | 6,013 |
| Net loans and leases to total assets | 25.2824% | 6,428 |
| Net loans and leases to deposits | 29.8528% | 6,430 |
| Net loans and leases to core deposits | 33.9775% | 6,374 |
| Total domestic deposits to total assets | 84.6900% | 3,645 |
| Equity capital to assets | 13.7986% | 1,050 |
| Core capital (leverage) ratio | 13.8278% | 876 |
| Tier 1 risk-based capital ratio | 33.9887% | 376 |
| Total risk-based capital ratio | 35.2599% | 367 |
| Memoranda: | ||
| Average total assets | $81,061,330 | 5,140 |
| Average earning assets | $74,955,000 | 5,110 |
| Average equity | $10,149,330 | 4,768 |
| Average total loans | $21,145,000 | 6,026 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5001% | 5,427 |
| Cost of funding earning assets | 0.3172% | 4,894 |
| Net interest margin | 3.1829% | 4,978 |
| Noninterest income to average assets | 0.6570% | 2,418 |
| Noninterest expense to average assets | 3.0854% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4779% | 4,795 |
| Return on assets (ROA) | 0.4964% | 4,789 |
| Pretax return on assets | 0.5207% | 5,105 |
| Return on Equity (ROE) | 4.1686% | 4,952 |
| Retained earnings to average equity (ytd only) | -6.0485% | 6,187 |
| Net charge-offs to loans | -0.0376% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0244% | 1,453 |
| Assets per employee ($millions) | 4.1426% | 3,635 |
| Cash dividends to net income (ytd only)* | 245.0980% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8572% | 97 |
| Loan loss allowance to noncurrent loans | 710.8696% | 695 |
| Noncurrent assets plus other real estate owned to assets | 1.5473% | 2,285 |
| Noncurrent loans to loans | 0.6833% | 4,159 |
| Net loans and leases to total assets | 23.1932% | 6,519 |
| Net loans and leases to deposits | 26.5092% | 6,534 |
| Net loans and leases to core deposits | 29.8418% | 6,497 |
| Total domestic deposits to total assets | 87.4909% | 2,516 |
| Equity capital to assets | 12.0637% | 1,829 |
| Core capital (leverage) ratio | 13.2977% | 1,039 |
| Tier 1 risk-based capital ratio | 32.5028% | 425 |
| Total risk-based capital ratio | 33.7723% | 419 |
| Memoranda: | ||
| Average total assets | $82,193,000 | 5,154 |
| Average earning assets | $75,654,000 | 5,129 |
| Average equity | $9,787,500 | 4,875 |
| Average total loans | $21,263,000 | 6,082 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3177% | 5,978 |
| Cost of funding earning assets | 0.4228% | 4,403 |
| Net interest margin | 2.8949% | 5,794 |
| Noninterest income to average assets | 1.2513% | 889 |
| Noninterest expense to average assets | 3.1933% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7053% | 3,773 |
| Return on assets (ROA) | 0.6870% | 3,953 |
| Pretax return on assets | 0.7243% | 4,443 |
| Return on Equity (ROE) | 5.4511% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.4511% | 2,311 |
| Net charge-offs to loans | 0.0492% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 56.1818% | 726 |
| Efficiency ratio | 81.1125% | 2,010 |
| Assets per employee ($millions) | 3.8826% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3844% | 149 |
| Loan loss allowance to noncurrent loans | 714.5985% | 697 |
| Noncurrent assets plus other real estate owned to assets | 1.6104% | 2,305 |
| Noncurrent loans to loans | 0.6136% | 4,445 |
| Net loans and leases to total assets | 26.1854% | 6,564 |
| Net loans and leases to deposits | 30.4917% | 6,573 |
| Net loans and leases to core deposits | 34.4744% | 6,509 |
| Total domestic deposits to total assets | 85.8771% | 3,325 |
| Equity capital to assets | 11.7497% | 1,986 |
| Core capital (leverage) ratio | 13.4423% | 976 |
| Tier 1 risk-based capital ratio | 30.6430% | 479 |
| Total risk-based capital ratio | 31.9120% | 475 |
| Memoranda: | ||
| Average total assets | $83,111,000 | 5,159 |
| Average earning assets | $77,101,800 | 5,116 |
| Average equity | $10,475,000 | 4,750 |
| Average total loans | $22,363,200 | 6,102 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2556% | 6,126 |
| Cost of funding earning assets | 0.4461% | 4,323 |
| Net interest margin | 2.8095% | 6,001 |
| Noninterest income to average assets | 0.5301% | 3,589 |
| Noninterest expense to average assets | 3.1454% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0112% | 6,308 |
| Return on assets (ROA) | -0.0367% | 6,371 |
| Pretax return on assets | -0.0367% | 6,349 |
| Return on Equity (ROE) | -0.2867% | 6,368 |
| Retained earnings to average equity (ytd only) | -0.2867% | 5,999 |
| Net charge-offs to loans | -0.0059% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3566% | 454 |
| Assets per employee ($millions) | 3.7236% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4376% | 171 |
| Loan loss allowance to noncurrent loans | 152.4615% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.4478% | 2,777 |
| Noncurrent loans to loans | 2.9106% | 1,405 |
| Net loans and leases to total assets | 26.0510% | 6,646 |
| Net loans and leases to deposits | 30.2383% | 6,663 |
| Net loans and leases to core deposits | 34.0155% | 6,611 |
| Total domestic deposits to total assets | 86.1523% | 3,164 |
| Equity capital to assets | 11.4001% | 2,381 |
| Core capital (leverage) ratio | 12.5636% | 1,386 |
| Tier 1 risk-based capital ratio | 29.4794% | 540 |
| Total risk-based capital ratio | 30.7494% | 530 |
| Memoranda: | ||
| Average total assets | $83,505,250 | 5,204 |
| Average earning assets | $77,402,250 | 5,155 |
| Average equity | $10,698,750 | 4,756 |
| Average total loans | $22,371,750 | 6,166 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2651% | 6,140 |
| Cost of funding earning assets | 0.4712% | 4,190 |
| Net interest margin | 2.7939% | 6,014 |
| Noninterest income to average assets | 0.5260% | 3,664 |
| Noninterest expense to average assets | 3.0726% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0357% | 6,258 |
| Return on assets (ROA) | 0.0547% | 6,309 |
| Pretax return on assets | 0.0547% | 6,300 |
| Return on Equity (ROE) | 0.4125% | 6,321 |
| Retained earnings to average equity (ytd only) | 0.4125% | 5,729 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8515% | 532 |
| Assets per employee ($millions) | 3.7663% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3711% | 189 |
| Loan loss allowance to noncurrent loans | 184.0149% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 3,071 |
| Noncurrent loans to loans | 2.3754% | 1,987 |
| Net loans and leases to total assets | 26.1396% | 6,683 |
| Net loans and leases to deposits | 30.1670% | 6,697 |
| Net loans and leases to core deposits | 34.1603% | 6,648 |
| Total domestic deposits to total assets | 86.6496% | 3,031 |
| Equity capital to assets | 12.2787% | 1,722 |
| Core capital (leverage) ratio | 12.7322% | 1,274 |
| Tier 1 risk-based capital ratio | 29.3853% | 554 |
| Total risk-based capital ratio | 30.6541% | 544 |
| Memoranda: | ||
| Average total assets | $84,033,670 | 5,221 |
| Average earning assets | $77,669,670 | 5,182 |
| Average equity | $11,152,000 | 4,694 |
| Average total loans | $22,385,000 | 6,198 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2100% | 6,285 |
| Cost of funding earning assets | 0.5359% | 3,721 |
| Net interest margin | 2.6741% | 6,262 |
| Noninterest income to average assets | 0.5389% | 3,506 |
| Noninterest expense to average assets | 3.1056% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1418% | 6,481 |
| Return on assets (ROA) | -0.1087% | 6,501 |
| Pretax return on assets | -0.0804% | 6,470 |
| Return on Equity (ROE) | -0.7903% | 6,487 |
| Retained earnings to average equity (ytd only) | -0.7903% | 5,923 |
| Net charge-offs to loans | 0.0180% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -24.0000% | 4,127 |
| Efficiency ratio | 103.7915% | 444 |
| Assets per employee ($millions) | 3.9890% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4796% | 198 |
| Loan loss allowance to noncurrent loans | 137.7437% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.6044% | 2,860 |
| Noncurrent loans to loans | 3.2521% | 1,499 |
| Net loans and leases to total assets | 25.1749% | 6,749 |
| Net loans and leases to deposits | 29.4741% | 6,757 |
| Net loans and leases to core deposits | 33.3988% | 6,688 |
| Total domestic deposits to total assets | 85.4136% | 3,838 |
| Equity capital to assets | 13.7830% | 1,102 |
| Core capital (leverage) ratio | 12.5047% | 1,334 |
| Tier 1 risk-based capital ratio | 29.7835% | 542 |
| Total risk-based capital ratio | 31.0525% | 531 |
| Memoranda: | ||
| Average total assets | $84,621,000 | 5,246 |
| Average earning assets | $77,633,000 | 5,219 |
| Average equity | $11,641,000 | 4,642 |
| Average total loans | $22,253,000 | 6,260 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 5,744 |
| Cost of funding earning assets | 0.6492% | 3,922 |
| Net interest margin | 3.1882% | 5,597 |
| Noninterest income to average assets | 0.5018% | 3,883 |
| Noninterest expense to average assets | 2.9576% | 3,442 |
| Loan and lease loss provision to assets | -0.7498% | 7,063 |
| Net operating income to assets | 1.1045% | 1,922 |
| Return on assets (ROA) | 1.1800% | 1,827 |
| Pretax return on assets | 1.3000% | 2,394 |
| Return on Equity (ROE) | 8.9918% | 2,637 |
| Retained earnings to average equity (ytd only) | 4.5970% | 2,988 |
| Net charge-offs to loans | -3.2863% | 7,037 |
| Credit loss provision to net charge-offs | 84.4156% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3590% | 1,396 |
| Assets per employee ($millions) | 4.0701% | 3,812 |
| Cash dividends to net income (ytd only)* | 48.8759% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4141% | 205 |
| Loan loss allowance to noncurrent loans | 178.0576% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 3,237 |
| Noncurrent loans to loans | 2.4790% | 2,140 |
| Net loans and leases to total assets | 25.0819% | 6,833 |
| Net loans and leases to deposits | 30.1939% | 6,825 |
| Net loans and leases to core deposits | 34.0881% | 6,765 |
| Total domestic deposits to total assets | 83.0693% | 4,690 |
| Equity capital to assets | 13.7308% | 1,140 |
| Core capital (leverage) ratio | 12.6370% | 1,258 |
| Tier 1 risk-based capital ratio | 28.8631% | 565 |
| Total risk-based capital ratio | 30.1312% | 555 |
| Memoranda: | ||
| Average total assets | $86,692,600 | 5,171 |
| Average earning assets | $79,481,200 | 5,142 |
| Average equity | $11,377,000 | 4,696 |
| Average total loans | $23,430,600 | 6,271 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 6,355 |
| Cost of funding earning assets | 0.6654% | 4,060 |
| Net interest margin | 2.9627% | 6,247 |
| Noninterest income to average assets | 0.5027% | 3,912 |
| Noninterest expense to average assets | 3.0483% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1644% | 6,003 |
| Return on assets (ROA) | 0.2268% | 6,027 |
| Pretax return on assets | 0.2345% | 6,077 |
| Return on Equity (ROE) | 1.7483% | 6,092 |
| Retained earnings to average equity (ytd only) | 1.7483% | 5,454 |
| Net charge-offs to loans | 1.2499% | 768 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,069 |
| Efficiency ratio | 94.7143% | 733 |
| Assets per employee ($millions) | 4.2332% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8680% | 829 |
| Loan loss allowance to noncurrent loans | 113.6842% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.5201% | 3,300 |
| Noncurrent loans to loans | 2.5228% | 2,261 |
| Net loans and leases to total assets | 25.9213% | 6,919 |
| Net loans and leases to deposits | 31.2034% | 6,927 |
| Net loans and leases to core deposits | 35.4740% | 6,868 |
| Total domestic deposits to total assets | 83.0719% | 4,615 |
| Equity capital to assets | 13.8867% | 1,199 |
| Core capital (leverage) ratio | 12.2773% | 1,506 |
| Tier 1 risk-based capital ratio | 27.7926% | 676 |
| Total risk-based capital ratio | 29.0477% | 662 |
| Memoranda: | ||
| Average total assets | $86,997,750 | 5,211 |
| Average earning assets | $79,744,250 | 5,191 |
| Average equity | $11,287,250 | 4,754 |
| Average total loans | $23,681,250 | 6,339 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 6,337 |
| Cost of funding earning assets | 0.6913% | 4,084 |
| Net interest margin | 3.0087% | 6,223 |
| Noninterest income to average assets | 0.4990% | 3,927 |
| Noninterest expense to average assets | 2.9917% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2594% | 5,734 |
| Return on assets (ROA) | 0.3532% | 5,638 |
| Pretax return on assets | 0.3600% | 5,803 |
| Return on Equity (ROE) | 2.7851% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.7851% | 4,769 |
| Net charge-offs to loans | 1.8134% | 488 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5321% | 4,803 |
| Efficiency ratio | 91.8824% | 933 |
| Assets per employee ($millions) | 4.0387% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7982% | 949 |
| Loan loss allowance to noncurrent loans | 106.5359% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.8075% | 3,027 |
| Noncurrent loans to loans | 2.6265% | 2,287 |
| Net loans and leases to total assets | 26.7049% | 6,962 |
| Net loans and leases to deposits | 32.4011% | 6,953 |
| Net loans and leases to core deposits | 37.2541% | 6,884 |
| Total domestic deposits to total assets | 82.4199% | 4,973 |
| Equity capital to assets | 13.6761% | 1,230 |
| Core capital (leverage) ratio | 11.9584% | 1,620 |
| Tier 1 risk-based capital ratio | 27.1632% | 712 |
| Total risk-based capital ratio | 28.4184% | 693 |
| Memoranda: | ||
| Average total assets | $87,775,670 | 5,230 |
| Average earning assets | $80,432,330 | 5,194 |
| Average equity | $11,130,670 | 4,782 |
| Average total loans | $24,043,670 | 6,364 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 6,423 |
| Cost of funding earning assets | 0.7476% | 3,879 |
| Net interest margin | 2.9610% | 6,372 |
| Noninterest income to average assets | 0.5198% | 3,781 |
| Noninterest expense to average assets | 3.0563% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1741% | 6,056 |
| Return on assets (ROA) | 0.3585% | 5,623 |
| Pretax return on assets | 0.3675% | 5,814 |
| Return on Equity (ROE) | 2.9367% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.9367% | 4,785 |
| Net charge-offs to loans | 3.6863% | 171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1778% | 4,283 |
| Efficiency ratio | 94.4598% | 796 |
| Assets per employee ($millions) | 4.6119% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7380% | 1,072 |
| Loan loss allowance to noncurrent loans | 105.9113% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.8088% | 3,161 |
| Noncurrent loans to loans | 2.5852% | 2,521 |
| Net loans and leases to total assets | 26.1475% | 7,033 |
| Net loans and leases to deposits | 31.5766% | 7,018 |
| Net loans and leases to core deposits | 36.1149% | 6,940 |
| Total domestic deposits to total assets | 82.8065% | 5,006 |
| Equity capital to assets | 12.3365% | 1,824 |
| Core capital (leverage) ratio | 11.4177% | 1,948 |
| Tier 1 risk-based capital ratio | 26.3188% | 782 |
| Total risk-based capital ratio | 27.5752% | 767 |
| Memoranda: | ||
| Average total assets | $89,257,500 | 5,233 |
| Average earning assets | $81,863,000 | 5,195 |
| Average equity | $10,896,500 | 4,839 |
| Average total loans | $24,415,000 | 6,400 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 6,455 |
| Cost of funding earning assets | 0.9551% | 3,686 |
| Net interest margin | 3.0445% | 6,458 |
| Noninterest income to average assets | 0.4282% | 4,383 |
| Noninterest expense to average assets | 2.8139% | 4,294 |
| Loan and lease loss provision to assets | 0.2966% | 3,294 |
| Net operating income to assets | 0.1151% | 5,832 |
| Return on assets (ROA) | 0.1585% | 5,849 |
| Pretax return on assets | 0.1650% | 5,864 |
| Return on Equity (ROE) | 1.4079% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.4079% | 5,191 |
| Net charge-offs to loans | 1.0774% | 1,603 |
| Credit loss provision to net charge-offs | 98.2143% | 3,660 |
| Earnings coverage of net charge-offs (x) | 1.3786% | 4,736 |
| Efficiency ratio | 87.1119% | 1,429 |
| Assets per employee ($millions) | 4.3280% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4424% | 553 |
| Loan loss allowance to noncurrent loans | 86.5672% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.6581% | 3,464 |
| Noncurrent loans to loans | 3.9766% | 1,571 |
| Net loans and leases to total assets | 26.8492% | 7,097 |
| Net loans and leases to deposits | 33.4366% | 7,062 |
| Net loans and leases to core deposits | 38.8138% | 6,976 |
| Total domestic deposits to total assets | 80.2990% | 5,662 |
| Equity capital to assets | 12.0840% | 2,058 |
| Core capital (leverage) ratio | 11.0823% | 2,207 |
| Tier 1 risk-based capital ratio | 25.0206% | 866 |
| Total risk-based capital ratio | 26.2818% | 856 |
| Memoranda: | ||
| Average total assets | $92,717,600 | 5,106 |
| Average earning assets | $85,333,800 | 5,079 |
| Average equity | $10,440,800 | 4,915 |
| Average total loans | $25,988,400 | 6,357 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 6,564 |
| Cost of funding earning assets | 0.9970% | 3,691 |
| Net interest margin | 3.0143% | 6,559 |
| Noninterest income to average assets | 0.4221% | 4,498 |
| Noninterest expense to average assets | 2.8104% | 4,301 |
| Loan and lease loss provision to assets | 0.3506% | 2,769 |
| Net operating income to assets | 0.0358% | 6,098 |
| Return on assets (ROA) | 0.0959% | 6,086 |
| Pretax return on assets | 0.0944% | 6,109 |
| Return on Equity (ROE) | 0.8668% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.8668% | 5,661 |
| Net charge-offs to loans | 1.4318% | 1,032 |
| Credit loss provision to net charge-offs | 87.1886% | 3,885 |
| Earnings coverage of net charge-offs (x) | 0.9573% | 4,906 |
| Efficiency ratio | 87.9534% | 1,349 |
| Assets per employee ($millions) | 4.4820% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3047% | 657 |
| Loan loss allowance to noncurrent loans | 85.6122% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.6845% | 3,558 |
| Noncurrent loans to loans | 3.8601% | 1,734 |
| Net loans and leases to total assets | 27.3862% | 7,167 |
| Net loans and leases to deposits | 33.6994% | 7,138 |
| Net loans and leases to core deposits | 39.1294% | 7,059 |
| Total domestic deposits to total assets | 81.2662% | 5,353 |
| Equity capital to assets | 12.4442% | 1,952 |
| Core capital (leverage) ratio | 11.1033% | 2,312 |
| Tier 1 risk-based capital ratio | 25.5727% | 867 |
| Total risk-based capital ratio | 26.8336% | 853 |
| Memoranda: | ||
| Average total assets | $93,174,750 | 5,132 |
| Average earning assets | $85,721,750 | 5,101 |
| Average equity | $10,305,250 | 4,964 |
| Average total loans | $26,167,250 | 6,413 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 6,684 |
| Cost of funding earning assets | 1.0484% | 3,615 |
| Net interest margin | 2.9379% | 6,721 |
| Noninterest income to average assets | 0.4430% | 4,329 |
| Noninterest expense to average assets | 2.7577% | 4,600 |
| Loan and lease loss provision to assets | 0.4557% | 2,143 |
| Net operating income to assets | -0.0678% | 6,312 |
| Return on assets (ROA) | -0.0827% | 6,384 |
| Pretax return on assets | -0.0827% | 6,344 |
| Return on Equity (ROE) | -0.7783% | 6,379 |
| Retained earnings to average equity (ytd only) | -0.7783% | 6,011 |
| Net charge-offs to loans | 0.7038% | 2,102 |
| Credit loss provision to net charge-offs | 231.1828% | 1,301 |
| Earnings coverage of net charge-offs (x) | 1.9677% | 3,879 |
| Efficiency ratio | 87.6685% | 1,451 |
| Assets per employee ($millions) | 4.0904% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8738% | 450 |
| Loan loss allowance to noncurrent loans | 86.9224% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.8947% | 3,374 |
| Noncurrent loans to loans | 4.4566% | 1,496 |
| Net loans and leases to total assets | 27.4926% | 7,256 |
| Net loans and leases to deposits | 34.6494% | 7,199 |
| Net loans and leases to core deposits | 40.5275% | 7,116 |
| Total domestic deposits to total assets | 79.3450% | 5,995 |
| Equity capital to assets | 11.7905% | 2,254 |
| Core capital (leverage) ratio | 10.6828% | 2,536 |
| Tier 1 risk-based capital ratio | 24.7550% | 926 |
| Total risk-based capital ratio | 26.0214% | 907 |
| Memoranda: | ||
| Average total assets | $94,353,000 | 5,127 |
| Average earning assets | $86,798,000 | 5,103 |
| Average equity | $10,022,000 | 5,045 |
| Average total loans | $26,427,000 | 6,458 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 6,892 |
| Cost of funding earning assets | 1.1120% | 3,442 |
| Net interest margin | 2.7349% | 6,983 |
| Noninterest income to average assets | 0.4682% | 4,128 |
| Noninterest expense to average assets | 2.6975% | 4,845 |
| Loan and lease loss provision to assets | 0.8909% | 908 |
| Net operating income to assets | -0.6298% | 6,882 |
| Return on assets (ROA) | -0.6298% | 6,886 |
| Pretax return on assets | -0.6132% | 6,825 |
| Return on Equity (ROE) | -6.2500% | 6,879 |
| Retained earnings to average equity (ytd only) | -6.2500% | 6,613 |
| Net charge-offs to loans | 0.0149% | 4,875 |
| Credit loss provision to net charge-offs | 21,500.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 451 |
| Efficiency ratio | 90.6685% | 1,271 |
| Assets per employee ($millions) | 4.6134% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1192% | 388 |
| Loan loss allowance to noncurrent loans | 66.7689% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.6835% | 3,728 |
| Noncurrent loans to loans | 6.1694% | 1,012 |
| Net loans and leases to total assets | 26.1638% | 7,339 |
| Net loans and leases to deposits | 34.2055% | 7,267 |
| Net loans and leases to core deposits | 39.7323% | 7,172 |
| Total domestic deposits to total assets | 76.4900% | 6,606 |
| Equity capital to assets | 10.0442% | 3,721 |
| Core capital (leverage) ratio | 10.1329% | 2,994 |
| Tier 1 risk-based capital ratio | 23.0591% | 1,073 |
| Total risk-based capital ratio | 24.3258% | 1,057 |
| Memoranda: | ||
| Average total assets | $96,535,500 | 5,090 |
| Average earning assets | $88,487,000 | 5,074 |
| Average equity | $9,728,000 | 5,114 |
| Average total loans | $26,772,000 | 6,485 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 6,889 |
| Cost of funding earning assets | 1.4333% | 3,056 |
| Net interest margin | 2.7911% | 7,040 |
| Noninterest income to average assets | 0.3292% | 5,436 |
| Noninterest expense to average assets | 2.5039% | 5,779 |
| Loan and lease loss provision to assets | 0.4865% | 3,230 |
| Net operating income to assets | -0.0912% | 5,979 |
| Return on assets (ROA) | 0.4906% | 4,301 |
| Pretax return on assets | 0.5217% | 4,545 |
| Return on Equity (ROE) | 4.5131% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.5131% | 2,713 |
| Net charge-offs to loans | 1.7898% | 1,180 |
| Credit loss provision to net charge-offs | 92.1569% | 5,034 |
| Earnings coverage of net charge-offs (x) | 0.7373% | 5,379 |
| Efficiency ratio | 86.5474% | 1,624 |
| Assets per employee ($millions) | 4.5804% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2279% | 718 |
| Loan loss allowance to noncurrent loans | 54.1796% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6790% | 3,780 |
| Noncurrent loans to loans | 5.9579% | 1,051 |
| Net loans and leases to total assets | 27.2713% | 7,420 |
| Net loans and leases to deposits | 35.6563% | 7,353 |
| Net loans and leases to core deposits | 42.2483% | 7,249 |
| Total domestic deposits to total assets | 76.4838% | 6,572 |
| Equity capital to assets | 10.1103% | 3,601 |
| Core capital (leverage) ratio | 10.1148% | 2,961 |
| Tier 1 risk-based capital ratio | 22.9859% | 1,041 |
| Total risk-based capital ratio | 24.2457% | 1,018 |
| Memoranda: | ||
| Average total assets | $96,608,800 | 5,089 |
| Average earning assets | $88,747,200 | 5,060 |
| Average equity | $10,502,800 | 4,985 |
| Average total loans | $28,494,600 | 6,476 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 6,975 |
| Cost of funding earning assets | 1.4865% | 3,057 |
| Net interest margin | 2.8047% | 7,128 |
| Noninterest income to average assets | 0.3185% | 5,603 |
| Noninterest expense to average assets | 2.5146% | 5,660 |
| Loan and lease loss provision to assets | 0.1930% | 5,111 |
| Net operating income to assets | 0.1801% | 5,563 |
| Return on assets (ROA) | 0.9664% | 2,474 |
| Pretax return on assets | 0.9857% | 3,236 |
| Return on Equity (ROE) | 8.7372% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.7372% | 1,142 |
| Net charge-offs to loans | 0.9939% | 2,013 |
| Credit loss provision to net charge-offs | 65.1163% | 5,560 |
| Earnings coverage of net charge-offs (x) | 1.2698% | 4,806 |
| Efficiency ratio | 86.9814% | 1,535 |
| Assets per employee ($millions) | 4.8638% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9804% | 835 |
| Loan loss allowance to noncurrent loans | 50.3899% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.7271% | 3,851 |
| Noncurrent loans to loans | 5.9147% | 1,072 |
| Net loans and leases to total assets | 28.1100% | 7,510 |
| Net loans and leases to deposits | 36.5894% | 7,457 |
| Net loans and leases to core deposits | 44.1802% | 7,314 |
| Total domestic deposits to total assets | 76.8255% | 6,520 |
| Equity capital to assets | 11.3606% | 2,646 |
| Core capital (leverage) ratio | 10.4577% | 2,732 |
| Tier 1 risk-based capital ratio | 22.7244% | 1,104 |
| Total risk-based capital ratio | 23.9824% | 1,073 |
| Memoranda: | ||
| Average total assets | $96,713,750 | 5,144 |
| Average earning assets | $88,705,250 | 5,119 |
| Average equity | $10,697,250 | 4,999 |
| Average total loans | $28,841,500 | 6,540 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 6,963 |
| Cost of funding earning assets | 1.5300% | 3,074 |
| Net interest margin | 2.8330% | 7,104 |
| Noninterest income to average assets | 0.3170% | 5,623 |
| Noninterest expense to average assets | 2.5216% | 5,638 |
| Loan and lease loss provision to assets | 0.2279% | 4,625 |
| Net operating income to assets | 0.1483% | 5,726 |
| Return on assets (ROA) | 0.6547% | 3,764 |
| Pretax return on assets | 0.6755% | 4,326 |
| Return on Equity (ROE) | 5.9739% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.9739% | 2,341 |
| Net charge-offs to loans | -0.7914% | 7,755 |
| Credit loss provision to net charge-offs | -95.6522% | 6,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8665% | 1,612 |
| Assets per employee ($millions) | 4.8275% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9024% | 399 |
| Loan loss allowance to noncurrent loans | 56.2963% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.1139% | 3,360 |
| Noncurrent loans to loans | 6.9318% | 825 |
| Net loans and leases to total assets | 29.0761% | 7,559 |
| Net loans and leases to deposits | 39.0011% | 7,464 |
| Net loans and leases to core deposits | 46.6492% | 7,327 |
| Total domestic deposits to total assets | 74.5520% | 6,907 |
| Equity capital to assets | 11.5049% | 2,438 |
| Core capital (leverage) ratio | 10.0667% | 3,096 |
| Tier 1 risk-based capital ratio | 21.4737% | 1,273 |
| Total risk-based capital ratio | 22.7403% | 1,249 |
| Memoranda: | ||
| Average total assets | $96,526,670 | 5,177 |
| Average earning assets | $88,106,000 | 5,169 |
| Average equity | $10,579,330 | 5,038 |
| Average total loans | $29,060,670 | 6,575 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 7,112 |
| Cost of funding earning assets | 1.5786% | 3,082 |
| Net interest margin | 2.7365% | 7,258 |
| Noninterest income to average assets | 0.3316% | 5,490 |
| Noninterest expense to average assets | 2.4908% | 5,761 |
| Loan and lease loss provision to assets | 0.0414% | 6,258 |
| Net operating income to assets | 0.2901% | 5,335 |
| Return on assets (ROA) | 0.2901% | 5,467 |
| Pretax return on assets | 0.3067% | 5,580 |
| Return on Equity (ROE) | 2.7145% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.7145% | 4,510 |
| Net charge-offs to loans | -3.8089% | 7,876 |
| Credit loss provision to net charge-offs | -3.6232% | 5,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7372% | 1,614 |
| Assets per employee ($millions) | 4.6067% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1167% | 336 |
| Loan loss allowance to noncurrent loans | 63.5786% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.9692% | 3,536 |
| Noncurrent loans to loans | 6.4749% | 962 |
| Net loans and leases to total assets | 28.9154% | 7,651 |
| Net loans and leases to deposits | 38.4831% | 7,567 |
| Net loans and leases to core deposits | 45.7973% | 7,437 |
| Total domestic deposits to total assets | 75.1377% | 6,886 |
| Equity capital to assets | 10.9881% | 2,773 |
| Core capital (leverage) ratio | 9.9108% | 3,275 |
| Tier 1 risk-based capital ratio | 20.9766% | 1,342 |
| Total risk-based capital ratio | 22.2438% | 1,314 |
| Memoranda: | ||
| Average total assets | $96,515,000 | 5,245 |
| Average earning assets | $88,434,500 | 5,216 |
| Average equity | $10,315,000 | 5,146 |
| Average total loans | $28,984,500 | 6,659 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 5,596 |
| Cost of funding earning assets | 2.1126% | 2,403 |
| Net interest margin | 3.0996% | 6,372 |
| Noninterest income to average assets | 0.2935% | 6,015 |
| Noninterest expense to average assets | 2.4901% | 6,169 |
| Loan and lease loss provision to assets | 1.1934% | 1,930 |
| Net operating income to assets | -0.5162% | 6,198 |
| Return on assets (ROA) | -0.5841% | 6,252 |
| Pretax return on assets | -0.5841% | 6,084 |
| Return on Equity (ROE) | -5.5445% | 6,268 |
| Retained earnings to average equity (ytd only) | -7.2260% | 6,263 |
| Net charge-offs to loans | 2.7597% | 814 |
| Credit loss provision to net charge-offs | 151.1538% | 3,052 |
| Earnings coverage of net charge-offs (x) | 0.8577% | 5,251 |
| Efficiency ratio | 78.6194% | 3,107 |
| Assets per employee ($millions) | 4.3768% | 3,152 |
| Cash dividends to net income (ytd only)* | -30.3293% | 7,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1776% | 662 |
| Loan loss allowance to noncurrent loans | 47.1164% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 2.0387% | 3,350 |
| Noncurrent loans to loans | 6.7442% | 870 |
| Net loans and leases to total assets | 28.9545% | 7,735 |
| Net loans and leases to deposits | 39.2975% | 7,644 |
| Net loans and leases to core deposits | 66.7369% | 6,944 |
| Total domestic deposits to total assets | 73.6803% | 7,061 |
| Equity capital to assets | 10.3854% | 3,302 |
| Core capital (leverage) ratio | 9.8749% | 3,236 |
| Tier 1 risk-based capital ratio | 20.8823% | 1,316 |
| Total risk-based capital ratio | 22.1421% | 1,279 |
| Memoranda: | ||
| Average total assets | $98,792,600 | 5,117 |
| Average earning assets | $91,593,600 | 5,075 |
| Average equity | $10,406,800 | 5,187 |
| Average total loans | $28,263,600 | 6,728 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3835% | 5,025 |
| Cost of funding earning assets | 2.1857% | 2,474 |
| Net interest margin | 3.1977% | 6,030 |
| Noninterest income to average assets | 0.2924% | 6,139 |
| Noninterest expense to average assets | 2.4234% | 6,338 |
| Loan and lease loss provision to assets | 1.5812% | 1,197 |
| Net operating income to assets | -0.7416% | 6,636 |
| Return on assets (ROA) | -1.2875% | 7,010 |
| Pretax return on assets | -1.2875% | 6,855 |
| Return on Equity (ROE) | -12.1803% | 7,032 |
| Retained earnings to average equity (ytd only) | -14.4007% | 7,098 |
| Net charge-offs to loans | 4.8818% | 242 |
| Credit loss provision to net charge-offs | 114.4660% | 4,435 |
| Earnings coverage of net charge-offs (x) | 0.6078% | 5,423 |
| Efficiency ratio | 74.2704% | 3,826 |
| Assets per employee ($millions) | 3.9601% | 3,803 |
| Cash dividends to net income (ytd only)* | -18.2293% | 7,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3030% | 1,293 |
| Loan loss allowance to noncurrent loans | 75.1412% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9533% | 5,154 |
| Noncurrent loans to loans | 3.0648% | 2,469 |
| Net loans and leases to total assets | 29.6824% | 7,815 |
| Net loans and leases to deposits | 40.5360% | 7,714 |
| Net loans and leases to core deposits | 70.5328% | 6,937 |
| Total domestic deposits to total assets | 73.2248% | 7,060 |
| Equity capital to assets | 10.6247% | 3,376 |
| Core capital (leverage) ratio | 9.2066% | 4,324 |
| Tier 1 risk-based capital ratio | 20.1598% | 1,526 |
| Total risk-based capital ratio | 21.4120% | 1,476 |
| Memoranda: | ||
| Average total assets | $99,418,500 | 5,136 |
| Average earning assets | $92,354,750 | 5,086 |
| Average equity | $10,508,500 | 5,198 |
| Average total loans | $28,130,750 | 6,788 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3511% | 5,393 |
| Cost of funding earning assets | 2.2465% | 2,596 |
| Net interest margin | 3.1045% | 6,222 |
| Noninterest income to average assets | 0.2795% | 6,267 |
| Noninterest expense to average assets | 2.3276% | 6,681 |
| Loan and lease loss provision to assets | 0.2974% | 4,185 |
| Net operating income to assets | 0.4091% | 4,478 |
| Return on assets (ROA) | 0.0793% | 5,719 |
| Pretax return on assets | 0.1031% | 5,667 |
| Return on Equity (ROE) | 0.7515% | 5,708 |
| Retained earnings to average equity (ytd only) | -1.5969% | 5,647 |
| Net charge-offs to loans | 0.1937% | 4,331 |
| Credit loss provision to net charge-offs | 555.5556% | 835 |
| Earnings coverage of net charge-offs (x) | 15.4815% | 1,596 |
| Efficiency ratio | 73.7437% | 4,070 |
| Assets per employee ($millions) | 4.1639% | 3,367 |
| Cash dividends to net income (ytd only)* | 312.5000% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 1,249 |
| Loan loss allowance to noncurrent loans | 94.2478% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 5,659 |
| Noncurrent loans to loans | 2.3321% | 3,100 |
| Net loans and leases to total assets | 28.4521% | 7,922 |
| Net loans and leases to deposits | 40.0967% | 7,810 |
| Net loans and leases to core deposits | 67.8042% | 7,130 |
| Total domestic deposits to total assets | 70.9585% | 7,372 |
| Equity capital to assets | 10.7982% | 3,117 |
| Core capital (leverage) ratio | 10.0245% | 3,271 |
| Tier 1 risk-based capital ratio | 21.0169% | 1,391 |
| Total risk-based capital ratio | 22.2676% | 1,364 |
| Memoranda: | ||
| Average total assets | $100,877,000 | 5,139 |
| Average earning assets | $93,476,670 | 5,083 |
| Average equity | $10,645,330 | 5,173 |
| Average total loans | $27,882,330 | 6,852 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4398% | 5,227 |
| Cost of funding earning assets | 2.3167% | 2,629 |
| Net interest margin | 3.1232% | 6,133 |
| Noninterest income to average assets | 0.2684% | 6,297 |
| Noninterest expense to average assets | 2.2181% | 6,815 |
| Loan and lease loss provision to assets | 0.2960% | 3,580 |
| Net operating income to assets | 0.6039% | 3,995 |
| Return on assets (ROA) | 0.6039% | 4,186 |
| Pretax return on assets | 0.6275% | 4,666 |
| Return on Equity (ROE) | 5.7886% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.7886% | 2,734 |
| Net charge-offs to loans | 0.3078% | 2,874 |
| Credit loss provision to net charge-offs | 357.1429% | 1,418 |
| Earnings coverage of net charge-offs (x) | 11.1429% | 1,895 |
| Efficiency ratio | 70.6030% | 4,452 |
| Assets per employee ($millions) | 4.2945% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0420% | 1,335 |
| Loan loss allowance to noncurrent loans | 1,187.5000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 7,394 |
| Noncurrent loans to loans | 0.1720% | 7,033 |
| Net loans and leases to total assets | 26.5298% | 7,993 |
| Net loans and leases to deposits | 38.3964% | 7,889 |
| Net loans and leases to core deposits | 62.1384% | 7,386 |
| Total domestic deposits to total assets | 69.0945% | 7,506 |
| Equity capital to assets | 10.6589% | 3,320 |
| Core capital (leverage) ratio | 10.2166% | 3,184 |
| Tier 1 risk-based capital ratio | 21.4843% | 1,372 |
| Total risk-based capital ratio | 22.6710% | 1,351 |
| Memoranda: | ||
| Average total assets | $101,349,000 | 5,137 |
| Average earning assets | $93,238,000 | 5,110 |
| Average equity | $10,572,500 | 5,217 |
| Average total loans | $27,287,500 | 6,925 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 6,679 |
| Cost of funding earning assets | 2.7340% | 3,002 |
| Net interest margin | 2.9961% | 6,931 |
| Noninterest income to average assets | 0.3026% | 6,283 |
| Noninterest expense to average assets | 2.2503% | 6,833 |
| Loan and lease loss provision to assets | 0.3173% | 3,842 |
| Net operating income to assets | 0.4883% | 4,794 |
| Return on assets (ROA) | 0.3120% | 5,314 |
| Pretax return on assets | 0.3351% | 5,431 |
| Return on Equity (ROE) | 2.9223% | 5,262 |
| Retained earnings to average equity (ytd only) | -1.0003% | 5,598 |
| Net charge-offs to loans | -0.0041% | 7,774 |
| Credit loss provision to net charge-offs | -30,300.0000% | 7,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7735% | 3,800 |
| Assets per employee ($millions) | 4.1512% | 3,210 |
| Cash dividends to net income (ytd only)* | 134.2282% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 1,350 |
| Loan loss allowance to noncurrent loans | 45.1049% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1483% | 3,972 |
| Noncurrent loans to loans | 4.2909% | 1,130 |
| Net loans and leases to total assets | 26.2424% | 8,066 |
| Net loans and leases to deposits | 36.6141% | 8,009 |
| Net loans and leases to core deposits | 59.4272% | 7,607 |
| Total domestic deposits to total assets | 71.6729% | 7,062 |
| Equity capital to assets | 10.1968% | 3,812 |
| Core capital (leverage) ratio | 10.1587% | 3,314 |
| Tier 1 risk-based capital ratio | 21.8720% | 1,329 |
| Total risk-based capital ratio | 22.9821% | 1,310 |
| Memoranda: | ||
| Average total assets | $95,498,200 | 5,186 |
| Average earning assets | $88,916,400 | 5,120 |
| Average equity | $10,197,400 | 5,348 |
| Average total loans | $24,587,600 | 7,050 |