Home > First Bank of Chandler > Performance and Condition Ratios
First Bank of Chandler, Performance and Condition Ratios
| 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 | 5.7226% | 227 |
| Cost of funding earning assets | 0.6132% | 2,144 |
| Net interest margin | 5.1094% | 201 |
| Noninterest income to average assets | 0.3032% | 4,148 |
| Noninterest expense to average assets | 1.9306% | 4,920 |
| Loan and lease loss provision to assets | 0.0357% | 3,203 |
| Net operating income to assets | 2.2233% | 242 |
| Return on assets (ROA) | 2.2093% | 245 |
| Pretax return on assets | 2.9070% | 125 |
| Return on Equity (ROE) | 14.1017% | 1,051 |
| Retained earnings to average equity (ytd only) | -35.0053% | 5,520 |
| Net charge-offs to loans | 0.0511% | 1,872 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 808 |
| Efficiency ratio | 34.8222% | 5,460 |
| Assets per employee ($millions) | 6.1035% | 1,397 |
| Cash dividends to net income (ytd only)* | 348.2341% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 1,383 |
| Noncurrent loans to loans | 1.5957% | 1,017 |
| Net loans and leases to total assets | 61.0564% | 3,705 |
| Net loans and leases to deposits | 74.1327% | 3,517 |
| Net loans and leases to core deposits | 80.3909% | 3,385 |
| Total domestic deposits to total assets | 82.3610% | 3,610 |
| Equity capital to assets | 17.4413% | 368 |
| Core capital (leverage) ratio | 9.2593% | 4,405 |
| Tier 1 risk-based capital ratio | 12.7391% | 4,045 |
| Total risk-based capital ratio | 12.7391% | 4,691 |
| Memoranda: | ||
| Average total assets | $89,713,670 | 4,354 |
| Average earning assets | $80,557,330 | 4,390 |
| Average equity | $14,055,000 | 3,788 |
| Average total loans | $62,599,330 | 4,106 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4806% | 285 |
| Cost of funding earning assets | 0.5643% | 2,284 |
| Net interest margin | 4.9163% | 268 |
| Noninterest income to average assets | 0.2793% | 4,305 |
| Noninterest expense to average assets | 1.6623% | 5,278 |
| Loan and lease loss provision to assets | 0.0541% | 2,683 |
| Net operating income to assets | 2.4740% | 152 |
| Return on assets (ROA) | 2.4236% | 170 |
| Pretax return on assets | 3.0137% | 113 |
| Return on Equity (ROE) | 16.4294% | 562 |
| Retained earnings to average equity (ytd only) | -88.9568% | 5,599 |
| Net charge-offs to loans | 0.0728% | 1,394 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 57.9167% | 861 |
| Efficiency ratio | 30.1692% | 5,559 |
| Assets per employee ($millions) | 5.7150% | 1,749 |
| Cash dividends to net income (ytd only)* | 641.4498% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,559 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 1,878 |
| Noncurrent loans to loans | 1.1568% | 1,569 |
| Net loans and leases to total assets | 64.2881% | 3,272 |
| Net loans and leases to deposits | 77.7940% | 3,038 |
| Net loans and leases to core deposits | 86.9549% | 2,720 |
| Total domestic deposits to total assets | 82.6389% | 3,773 |
| Equity capital to assets | 16.9674% | 400 |
| Core capital (leverage) ratio | 8.2105% | 5,309 |
| Tier 1 risk-based capital ratio | 11.4547% | 4,882 |
| Total risk-based capital ratio | 11.4547% | 5,371 |
| Memoranda: | ||
| Average total assets | $88,794,000 | 4,417 |
| Average earning assets | $81,524,000 | 4,415 |
| Average equity | $13,098,500 | 3,950 |
| Average total loans | $65,949,500 | 4,057 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6932% | 201 |
| Cost of funding earning assets | 0.6122% | 1,523 |
| Net interest margin | 5.0810% | 204 |
| Noninterest income to average assets | 0.4132% | 3,547 |
| Noninterest expense to average assets | 2.5929% | 3,467 |
| Loan and lease loss provision to assets | -0.0124% | 5,312 |
| Net operating income to assets | 2.7663% | 89 |
| Return on assets (ROA) | 2.7663% | 88 |
| Pretax return on assets | 2.7663% | 120 |
| Return on Equity (ROE) | 23.0596% | 94 |
| Retained earnings to average equity (ytd only) | 3.3505% | 3,290 |
| Net charge-offs to loans | -0.0188% | 4,943 |
| Credit loss provision to net charge-offs | 73.3333% | 3,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4944% | 5,286 |
| Assets per employee ($millions) | 5.3843% | 2,072 |
| Cash dividends to net income (ytd only)* | 85.4701% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 606 |
| Loan loss allowance to noncurrent loans | 362.5641% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 2,684 |
| Noncurrent loans to loans | 0.5334% | 2,903 |
| Net loans and leases to total assets | 83.2289% | 524 |
| Net loans and leases to deposits | 95.3293% | 1,147 |
| Net loans and leases to core deposits | 105.9992% | 1,264 |
| Total domestic deposits to total assets | 87.3067% | 1,855 |
| Equity capital to assets | 12.3996% | 1,575 |
| Core capital (leverage) ratio | 12.1756% | 1,511 |
| Tier 1 risk-based capital ratio | 15.3653% | 2,676 |
| Total risk-based capital ratio | 16.6247% | 2,613 |
| Memoranda: | ||
| Average total assets | $88,819,200 | 4,446 |
| Average earning assets | $86,242,600 | 4,357 |
| Average equity | $10,655,000 | 4,356 |
| Average total loans | $79,597,600 | 3,756 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6915% | 197 |
| Cost of funding earning assets | 0.5952% | 1,560 |
| Net interest margin | 5.0962% | 190 |
| Noninterest income to average assets | 0.4351% | 3,437 |
| Noninterest expense to average assets | 2.1261% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 3.2585% | 68 |
| Return on assets (ROA) | 3.2585% | 68 |
| Pretax return on assets | 3.2585% | 99 |
| Return on Equity (ROE) | 27.3841% | 46 |
| Retained earnings to average equity (ytd only) | 7.6630% | 1,364 |
| Net charge-offs to loans | -0.0164% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4853% | 5,591 |
| Assets per employee ($millions) | 5.5713% | 1,858 |
| Cash dividends to net income (ytd only)* | 72.0165% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 849 |
| Loan loss allowance to noncurrent loans | 382.7493% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,989 |
| Noncurrent loans to loans | 0.4715% | 3,277 |
| Net loans and leases to total assets | 86.6738% | 216 |
| Net loans and leases to deposits | 99.0551% | 814 |
| Net loans and leases to core deposits | 108.9426% | 1,095 |
| Total domestic deposits to total assets | 87.5006% | 1,626 |
| Equity capital to assets | 12.2706% | 1,795 |
| Core capital (leverage) ratio | 12.2468% | 1,543 |
| Tier 1 risk-based capital ratio | 14.8840% | 2,967 |
| Total risk-based capital ratio | 16.1423% | 2,893 |
| Memoranda: | ||
| Average total assets | $89,487,000 | 4,478 |
| Average earning assets | $86,911,750 | 4,392 |
| Average equity | $10,648,250 | 4,398 |
| Average total loans | $81,218,500 | 3,752 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7287% | 182 |
| Cost of funding earning assets | 0.5745% | 1,614 |
| Net interest margin | 5.1542% | 173 |
| Noninterest income to average assets | 0.4241% | 3,534 |
| Noninterest expense to average assets | 2.1562% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 3.2745% | 70 |
| Return on assets (ROA) | 3.2745% | 70 |
| Pretax return on assets | 3.2745% | 100 |
| Return on Equity (ROE) | 27.8060% | 52 |
| Retained earnings to average equity (ytd only) | 7.9040% | 1,205 |
| Net charge-offs to loans | -0.0097% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7041% | 5,637 |
| Assets per employee ($millions) | 5.2961% | 2,062 |
| Cash dividends to net income (ytd only)* | 71.5746% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 1,023 |
| Loan loss allowance to noncurrent loans | 244.6367% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 2,258 |
| Noncurrent loans to loans | 0.7015% | 2,650 |
| Net loans and leases to total assets | 89.9426% | 79 |
| Net loans and leases to deposits | 102.3082% | 594 |
| Net loans and leases to core deposits | 114.7078% | 767 |
| Total domestic deposits to total assets | 87.9133% | 1,499 |
| Equity capital to assets | 11.9290% | 1,977 |
| Core capital (leverage) ratio | 11.9064% | 1,689 |
| Tier 1 risk-based capital ratio | 14.0710% | 3,395 |
| Total risk-based capital ratio | 15.3280% | 3,307 |
| Memoranda: | ||
| Average total assets | $89,602,670 | 4,500 |
| Average earning assets | $87,036,000 | 4,419 |
| Average equity | $10,551,670 | 4,428 |
| Average total loans | $82,064,330 | 3,743 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9980% | 122 |
| Cost of funding earning assets | 0.5486% | 1,725 |
| Net interest margin | 5.4494% | 115 |
| Noninterest income to average assets | 0.4117% | 3,580 |
| Noninterest expense to average assets | 2.1256% | 4,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.5754% | 66 |
| Return on assets (ROA) | 3.5754% | 66 |
| Pretax return on assets | 3.5754% | 98 |
| Return on Equity (ROE) | 30.5618% | 44 |
| Retained earnings to average equity (ytd only) | 10.4805% | 708 |
| Net charge-offs to loans | -0.0586% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2841% | 5,734 |
| Assets per employee ($millions) | 5.0255% | 2,408 |
| Cash dividends to net income (ytd only)* | 65.7071% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 1,041 |
| Loan loss allowance to noncurrent loans | 317.4107% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,827 |
| Noncurrent loans to loans | 0.5535% | 3,151 |
| Net loans and leases to total assets | 87.8995% | 112 |
| Net loans and leases to deposits | 99.7103% | 632 |
| Net loans and leases to core deposits | 111.4252% | 801 |
| Total domestic deposits to total assets | 88.1549% | 1,617 |
| Equity capital to assets | 11.7136% | 2,025 |
| Core capital (leverage) ratio | 11.8338% | 1,730 |
| Tier 1 risk-based capital ratio | 14.0595% | 3,437 |
| Total risk-based capital ratio | 15.3166% | 3,353 |
| Memoranda: | ||
| Average total assets | $89,387,500 | 4,551 |
| Average earning assets | $86,762,500 | 4,462 |
| Average equity | $10,457,500 | 4,473 |
| Average total loans | $81,900,500 | 3,771 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7219% | 182 |
| Cost of funding earning assets | 0.5142% | 1,986 |
| Net interest margin | 5.2077% | 170 |
| Noninterest income to average assets | 0.3451% | 4,270 |
| Noninterest expense to average assets | 2.1119% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 3.3090% | 69 |
| Return on assets (ROA) | 3.3090% | 68 |
| Pretax return on assets | 3.3090% | 90 |
| Return on Equity (ROE) | 29.0100% | 46 |
| Retained earnings to average equity (ytd only) | 4.5437% | 2,668 |
| Net charge-offs to loans | 0.0541% | 2,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 64.5556% | 842 |
| Efficiency ratio | 38.9578% | 5,797 |
| Assets per employee ($millions) | 4.9064% | 2,500 |
| Cash dividends to net income (ytd only)* | 84.3373% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 1,134 |
| Loan loss allowance to noncurrent loans | 431.1927% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 3,330 |
| Noncurrent loans to loans | 0.3946% | 3,729 |
| Net loans and leases to total assets | 92.2324% | 27 |
| Net loans and leases to deposits | 104.5434% | 415 |
| Net loans and leases to core deposits | 116.5039% | 595 |
| Total domestic deposits to total assets | 88.2241% | 1,521 |
| Equity capital to assets | 11.6842% | 2,017 |
| Core capital (leverage) ratio | 11.4624% | 1,961 |
| Tier 1 risk-based capital ratio | 13.6403% | 3,682 |
| Total risk-based capital ratio | 14.8975% | 3,583 |
| Memoranda: | ||
| Average total assets | $87,789,800 | 4,588 |
| Average earning assets | $85,565,800 | 4,483 |
| Average equity | $10,013,800 | 4,571 |
| Average total loans | $83,252,400 | 3,736 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 178 |
| Cost of funding earning assets | 0.5054% | 2,054 |
| Net interest margin | 5.2441% | 159 |
| Noninterest income to average assets | 0.3240% | 4,457 |
| Noninterest expense to average assets | 2.0701% | 5,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.3675% | 68 |
| Return on assets (ROA) | 3.3675% | 70 |
| Pretax return on assets | 3.3675% | 96 |
| Return on Equity (ROE) | 29.7050% | 43 |
| Retained earnings to average equity (ytd only) | 3.8774% | 3,544 |
| Net charge-offs to loans | 0.0096% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 368.9913% | 240 |
| Efficiency ratio | 38.0699% | 5,862 |
| Assets per employee ($millions) | 4.7717% | 2,650 |
| Cash dividends to net income (ytd only)* | 86.9465% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 983 |
| Loan loss allowance to noncurrent loans | 455.6604% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 3,581 |
| Noncurrent loans to loans | 0.3990% | 3,844 |
| Net loans and leases to total assets | 86.3118% | 234 |
| Net loans and leases to deposits | 97.4010% | 909 |
| Net loans and leases to core deposits | 109.7827% | 932 |
| Total domestic deposits to total assets | 88.6149% | 1,099 |
| Equity capital to assets | 11.2098% | 2,790 |
| Core capital (leverage) ratio | 11.5595% | 1,981 |
| Tier 1 risk-based capital ratio | 13.1701% | 4,052 |
| Total risk-based capital ratio | 14.4272% | 3,953 |
| Memoranda: | ||
| Average total assets | $87,658,250 | 4,621 |
| Average earning assets | $85,478,000 | 4,523 |
| Average equity | $9,937,500 | 4,630 |
| Average total loans | $83,349,000 | 3,747 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 163 |
| Cost of funding earning assets | 0.5035% | 2,078 |
| Net interest margin | 5.2924% | 149 |
| Noninterest income to average assets | 0.3254% | 4,453 |
| Noninterest expense to average assets | 2.0887% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.4042% | 72 |
| Return on assets (ROA) | 3.4042% | 73 |
| Pretax return on assets | 3.4042% | 96 |
| Return on Equity (ROE) | 29.9118% | 46 |
| Retained earnings to average equity (ytd only) | 1.5209% | 4,773 |
| Net charge-offs to loans | -0.0118% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0252% | 5,943 |
| Assets per employee ($millions) | 4.8094% | 2,545 |
| Cash dividends to net income (ytd only)* | 94.9153% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7281% | 1,217 |
| Loan loss allowance to noncurrent loans | 3,171.7391% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,830 |
| Noncurrent loans to loans | 0.0545% | 5,241 |
| Net loans and leases to total assets | 95.8415% | 2 |
| Net loans and leases to deposits | 108.4746% | 291 |
| Net loans and leases to core deposits | 117.8185% | 580 |
| Total domestic deposits to total assets | 88.3538% | 1,243 |
| Equity capital to assets | 11.4983% | 2,554 |
| Core capital (leverage) ratio | 11.3683% | 2,085 |
| Tier 1 risk-based capital ratio | 12.5006% | 4,523 |
| Total risk-based capital ratio | 13.7570% | 4,425 |
| Memoranda: | ||
| Average total assets | $86,657,000 | 4,679 |
| Average earning assets | $84,612,330 | 4,572 |
| Average equity | $9,862,330 | 4,674 |
| Average total loans | $84,565,000 | 3,730 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8193% | 157 |
| Cost of funding earning assets | 0.5054% | 2,063 |
| Net interest margin | 5.3139% | 145 |
| Noninterest income to average assets | 0.3137% | 4,486 |
| Noninterest expense to average assets | 2.0300% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.4740% | 69 |
| Return on assets (ROA) | 3.4740% | 68 |
| Pretax return on assets | 3.4740% | 97 |
| Return on Equity (ROE) | 30.6830% | 44 |
| Retained earnings to average equity (ytd only) | -4.9712% | 5,606 |
| Net charge-offs to loans | -0.0047% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8818% | 6,018 |
| Assets per employee ($millions) | 4.9088% | 2,444 |
| Cash dividends to net income (ytd only)* | 116.2019% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 1,368 |
| Loan loss allowance to noncurrent loans | 2,141.1765% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 4,810 |
| Noncurrent loans to loans | 0.0795% | 5,159 |
| Net loans and leases to total assets | 95.1618% | 3 |
| Net loans and leases to deposits | 107.1066% | 304 |
| Net loans and leases to core deposits | 114.3036% | 658 |
| Total domestic deposits to total assets | 88.8478% | 1,181 |
| Equity capital to assets | 11.0413% | 2,896 |
| Core capital (leverage) ratio | 11.2926% | 2,147 |
| Tier 1 risk-based capital ratio | 12.1721% | 4,798 |
| Total risk-based capital ratio | 13.4288% | 4,696 |
| Memoranda: | ||
| Average total assets | $86,701,000 | 4,717 |
| Average earning assets | $84,683,000 | 4,600 |
| Average equity | $9,816,500 | 4,700 |
| Average total loans | $84,633,500 | 3,735 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 198 |
| Cost of funding earning assets | 0.4459% | 2,669 |
| Net interest margin | 5.2561% | 171 |
| Noninterest income to average assets | 0.2482% | 5,109 |
| Noninterest expense to average assets | 2.0722% | 5,306 |
| Loan and lease loss provision to assets | -0.2020% | 5,986 |
| Net operating income to assets | 3.4807% | 67 |
| Return on assets (ROA) | 3.4807% | 69 |
| Pretax return on assets | 3.4807% | 90 |
| Return on Equity (ROE) | 32.6851% | 44 |
| Retained earnings to average equity (ytd only) | 9.9193% | 470 |
| Net charge-offs to loans | -0.0133% | 5,174 |
| Credit loss provision to net charge-offs | 1,590.9091% | 221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7271% | 6,080 |
| Assets per employee ($millions) | 4.7246% | 2,700 |
| Cash dividends to net income (ytd only)* | 69.6517% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 1,272 |
| Loan loss allowance to noncurrent loans | 498.2877% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 3,760 |
| Noncurrent loans to loans | 0.3488% | 4,219 |
| Net loans and leases to total assets | 96.7416% | 2 |
| Net loans and leases to deposits | 109.5441% | 255 |
| Net loans and leases to core deposits | 115.7538% | 606 |
| Total domestic deposits to total assets | 88.3130% | 1,468 |
| Equity capital to assets | 11.6141% | 2,267 |
| Core capital (leverage) ratio | 11.4051% | 2,041 |
| Tier 1 risk-based capital ratio | 12.4162% | 4,688 |
| Total risk-based capital ratio | 13.6724% | 4,577 |
| Memoranda: | ||
| Average total assets | $86,621,400 | 4,734 |
| Average earning assets | $84,093,000 | 4,628 |
| Average equity | $9,224,400 | 4,798 |
| Average total loans | $82,689,800 | 3,755 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 237 |
| Cost of funding earning assets | 0.4395% | 2,802 |
| Net interest margin | 5.1352% | 197 |
| Noninterest income to average assets | 0.2252% | 5,304 |
| Noninterest expense to average assets | 2.0731% | 5,333 |
| Loan and lease loss provision to assets | 0.2681% | 607 |
| Net operating income to assets | 2.8607% | 99 |
| Return on assets (ROA) | 2.8607% | 100 |
| Pretax return on assets | 2.8607% | 138 |
| Return on Equity (ROE) | 27.4716% | 77 |
| Retained earnings to average equity (ytd only) | 4.2965% | 3,409 |
| Net charge-offs to loans | -0.0129% | 5,067 |
| Credit loss provision to net charge-offs | -2,187.5000% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8527% | 6,134 |
| Assets per employee ($millions) | 4.9312% | 2,383 |
| Cash dividends to net income (ytd only)* | 84.3601% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0594% | 835 |
| Loan loss allowance to noncurrent loans | 830.4147% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 4,343 |
| Noncurrent loans to loans | 0.2480% | 4,686 |
| Net loans and leases to total assets | 96.5514% | 3 |
| Net loans and leases to deposits | 109.3531% | 266 |
| Net loans and leases to core deposits | 114.9009% | 636 |
| Total domestic deposits to total assets | 88.2933% | 1,402 |
| Equity capital to assets | 10.4246% | 3,681 |
| Core capital (leverage) ratio | 10.5554% | 2,979 |
| Tier 1 risk-based capital ratio | 10.8359% | 5,739 |
| Total risk-based capital ratio | 12.0961% | 5,663 |
| Memoranda: | ||
| Average total assets | $87,016,000 | 4,787 |
| Average earning assets | $84,331,250 | 4,683 |
| Average equity | $9,061,250 | 4,892 |
| Average total loans | $82,430,500 | 3,794 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5549% | 242 |
| Cost of funding earning assets | 0.4380% | 2,868 |
| Net interest margin | 5.1169% | 205 |
| Noninterest income to average assets | 0.1643% | 5,717 |
| Noninterest expense to average assets | 2.0918% | 5,353 |
| Loan and lease loss provision to assets | 0.3471% | 384 |
| Net operating income to assets | 2.6725% | 134 |
| Return on assets (ROA) | 2.6725% | 141 |
| Pretax return on assets | 2.6725% | 197 |
| Return on Equity (ROE) | 25.6743% | 110 |
| Retained earnings to average equity (ytd only) | 2.3340% | 4,564 |
| Net charge-offs to loans | -0.0149% | 5,058 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9235% | 6,184 |
| Assets per employee ($millions) | 4.8576% | 2,460 |
| Cash dividends to net income (ytd only)* | 90.9091% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1936% | 740 |
| Loan loss allowance to noncurrent loans | 464.6597% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 3,773 |
| Noncurrent loans to loans | 0.4721% | 4,062 |
| Net loans and leases to total assets | 90.5155% | 53 |
| Net loans and leases to deposits | 101.1322% | 587 |
| Net loans and leases to core deposits | 105.6733% | 1,088 |
| Total domestic deposits to total assets | 89.5022% | 901 |
| Equity capital to assets | 10.3675% | 3,593 |
| Core capital (leverage) ratio | 10.3516% | 3,143 |
| Tier 1 risk-based capital ratio | 11.3148% | 5,571 |
| Total risk-based capital ratio | 12.5768% | 5,490 |
| Memoranda: | ||
| Average total assets | $86,434,330 | 4,847 |
| Average earning assets | $83,566,000 | 4,745 |
| Average equity | $8,997,330 | 4,943 |
| Average total loans | $80,740,000 | 3,856 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5265% | 247 |
| Cost of funding earning assets | 0.4336% | 2,937 |
| Net interest margin | 5.0929% | 212 |
| Noninterest income to average assets | 0.3072% | 4,729 |
| Noninterest expense to average assets | 2.4065% | 4,573 |
| Loan and lease loss provision to assets | 0.3491% | 366 |
| Net operating income to assets | 2.4717% | 166 |
| Return on assets (ROA) | 2.4717% | 177 |
| Pretax return on assets | 2.4717% | 257 |
| Return on Equity (ROE) | 23.6961% | 134 |
| Retained earnings to average equity (ytd only) | 0.2678% | 5,282 |
| Net charge-offs to loans | -0.0149% | 4,905 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0374% | 6,099 |
| Assets per employee ($millions) | 4.8143% | 2,604 |
| Cash dividends to net income (ytd only)* | 98.8701% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0996% | 921 |
| Loan loss allowance to noncurrent loans | 980.9249% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 4,209 |
| Noncurrent loans to loans | 0.2140% | 5,013 |
| Net loans and leases to total assets | 91.3118% | 36 |
| Net loans and leases to deposits | 101.9664% | 458 |
| Net loans and leases to core deposits | 105.1898% | 993 |
| Total domestic deposits to total assets | 89.5509% | 967 |
| Equity capital to assets | 10.3476% | 3,721 |
| Core capital (leverage) ratio | 10.2886% | 3,230 |
| Tier 1 risk-based capital ratio | 11.1056% | 5,757 |
| Total risk-based capital ratio | 12.3653% | 5,669 |
| Memoranda: | ||
| Average total assets | $85,933,000 | 4,905 |
| Average earning assets | $83,018,000 | 4,798 |
| Average equity | $8,963,500 | 4,999 |
| Average total loans | $80,650,500 | 3,870 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6879% | 230 |
| Cost of funding earning assets | 0.4266% | 3,424 |
| Net interest margin | 5.2613% | 192 |
| Noninterest income to average assets | 0.4224% | 4,023 |
| Noninterest expense to average assets | 2.1930% | 5,370 |
| Loan and lease loss provision to assets | 0.3529% | 538 |
| Net operating income to assets | 2.9694% | 93 |
| Return on assets (ROA) | 2.9694% | 94 |
| Pretax return on assets | 2.9694% | 117 |
| Return on Equity (ROE) | 28.8582% | 67 |
| Retained earnings to average equity (ytd only) | 4.8478% | 2,721 |
| Net charge-offs to loans | 0.0644% | 3,566 |
| Credit loss provision to net charge-offs | 588.2353% | 453 |
| Earnings coverage of net charge-offs (x) | 55.3725% | 849 |
| Efficiency ratio | 39.7611% | 6,403 |
| Assets per employee ($millions) | 5.0122% | 2,306 |
| Cash dividends to net income (ytd only)* | 83.2013% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 1,090 |
| Loan loss allowance to noncurrent loans | 2,490.7692% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 4,457 |
| Noncurrent loans to loans | 0.0808% | 5,561 |
| Net loans and leases to total assets | 92.5453% | 18 |
| Net loans and leases to deposits | 103.5032% | 452 |
| Net loans and leases to core deposits | 106.1148% | 1,015 |
| Total domestic deposits to total assets | 89.4130% | 1,008 |
| Equity capital to assets | 10.5154% | 3,457 |
| Core capital (leverage) ratio | 10.3398% | 3,123 |
| Tier 1 risk-based capital ratio | 11.4956% | 5,666 |
| Total risk-based capital ratio | 12.7557% | 5,576 |
| Memoranda: | ||
| Average total assets | $84,999,600 | 4,940 |
| Average earning assets | $82,280,200 | 4,848 |
| Average equity | $8,746,200 | 5,037 |
| Average total loans | $79,180,200 | 3,896 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6039% | 272 |
| Cost of funding earning assets | 0.4278% | 3,486 |
| Net interest margin | 5.1760% | 211 |
| Noninterest income to average assets | 0.4520% | 3,883 |
| Noninterest expense to average assets | 2.0608% | 5,658 |
| Loan and lease loss provision to assets | 0.3531% | 497 |
| Net operating income to assets | 3.0512% | 93 |
| Return on assets (ROA) | 3.0512% | 92 |
| Pretax return on assets | 3.0512% | 111 |
| Return on Equity (ROE) | 29.8173% | 62 |
| Retained earnings to average equity (ytd only) | 5.6598% | 2,632 |
| Net charge-offs to loans | 0.0947% | 2,860 |
| Credit loss provision to net charge-offs | 401.7857% | 691 |
| Earnings coverage of net charge-offs (x) | 38.7347% | 1,160 |
| Efficiency ratio | 37.7082% | 6,489 |
| Assets per employee ($millions) | 5.1178% | 2,118 |
| Cash dividends to net income (ytd only)* | 81.0185% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 1,547 |
| Loan loss allowance to noncurrent loans | 413.7097% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 3,851 |
| Noncurrent loans to loans | 0.4497% | 4,548 |
| Net loans and leases to total assets | 93.3036% | 13 |
| Net loans and leases to deposits | 104.1332% | 394 |
| Net loans and leases to core deposits | 107.4012% | 880 |
| Total domestic deposits to total assets | 89.6002% | 931 |
| Equity capital to assets | 10.2365% | 3,877 |
| Core capital (leverage) ratio | 10.3010% | 3,297 |
| Tier 1 risk-based capital ratio | 11.0660% | 5,964 |
| Total risk-based capital ratio | 12.3235% | 5,918 |
| Memoranda: | ||
| Average total assets | $84,947,500 | 4,998 |
| Average earning assets | $82,274,500 | 4,898 |
| Average equity | $8,692,750 | 5,089 |
| Average total loans | $78,856,500 | 3,934 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5399% | 287 |
| Cost of funding earning assets | 0.4222% | 3,634 |
| Net interest margin | 5.1177% | 232 |
| Noninterest income to average assets | 0.5032% | 3,462 |
| Noninterest expense to average assets | 2.1267% | 5,568 |
| Loan and lease loss provision to assets | 0.3560% | 497 |
| Net operating income to assets | 2.9693% | 94 |
| Return on assets (ROA) | 2.9693% | 97 |
| Pretax return on assets | 2.9693% | 119 |
| Return on Equity (ROE) | 29.0199% | 66 |
| Retained earnings to average equity (ytd only) | 4.6627% | 3,178 |
| Net charge-offs to loans | 0.1392% | 2,277 |
| Credit loss provision to net charge-offs | 277.7778% | 912 |
| Earnings coverage of net charge-offs (x) | 25.9444% | 1,391 |
| Efficiency ratio | 39.0074% | 6,540 |
| Assets per employee ($millions) | 4.7681% | 2,519 |
| Cash dividends to net income (ytd only)* | 83.9329% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 1,841 |
| Loan loss allowance to noncurrent loans | 346.3357% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 3,784 |
| Noncurrent loans to loans | 0.5197% | 4,446 |
| Net loans and leases to total assets | 93.1198% | 12 |
| Net loans and leases to deposits | 103.8218% | 368 |
| Net loans and leases to core deposits | 107.1183% | 821 |
| Total domestic deposits to total assets | 89.6919% | 973 |
| Equity capital to assets | 10.1811% | 3,858 |
| Core capital (leverage) ratio | 10.4133% | 3,071 |
| Tier 1 risk-based capital ratio | 11.0328% | 6,040 |
| Total risk-based capital ratio | 12.2905% | 5,975 |
| Memoranda: | ||
| Average total assets | $84,262,670 | 5,055 |
| Average earning assets | $81,481,330 | 4,949 |
| Average equity | $8,621,670 | 5,128 |
| Average total loans | $77,570,330 | 3,984 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 332 |
| Cost of funding earning assets | 0.4216% | 3,743 |
| Net interest margin | 4.9999% | 270 |
| Noninterest income to average assets | 0.4408% | 3,862 |
| Noninterest expense to average assets | 2.1466% | 5,585 |
| Loan and lease loss provision to assets | 0.3594% | 488 |
| Net operating income to assets | 2.7647% | 115 |
| Return on assets (ROA) | 2.7647% | 120 |
| Pretax return on assets | 2.7647% | 168 |
| Return on Equity (ROE) | 26.9516% | 96 |
| Retained earnings to average equity (ytd only) | 2.4289% | 4,615 |
| Net charge-offs to loans | -0.0370% | 5,679 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7273% | 6,577 |
| Assets per employee ($millions) | 4.6155% | 2,783 |
| Cash dividends to net income (ytd only)* | 90.9879% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 1,764 |
| Loan loss allowance to noncurrent loans | 383.1135% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 4,000 |
| Noncurrent loans to loans | 0.4952% | 4,675 |
| Net loans and leases to total assets | 90.3670% | 41 |
| Net loans and leases to deposits | 100.8950% | 400 |
| Net loans and leases to core deposits | 103.0669% | 919 |
| Total domestic deposits to total assets | 89.5654% | 1,335 |
| Equity capital to assets | 10.3396% | 3,411 |
| Core capital (leverage) ratio | 10.3951% | 3,050 |
| Tier 1 risk-based capital ratio | 11.4681% | 5,930 |
| Total risk-based capital ratio | 12.7260% | 5,875 |
| Memoranda: | ||
| Average total assets | $83,481,000 | 5,120 |
| Average earning assets | $80,641,500 | 5,006 |
| Average equity | $8,563,500 | 5,161 |
| Average total loans | $75,662,500 | 4,079 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 358 |
| Cost of funding earning assets | 0.4580% | 4,041 |
| Net interest margin | 5.0531% | 287 |
| Noninterest income to average assets | 0.3185% | 5,058 |
| Noninterest expense to average assets | 2.1293% | 5,771 |
| Loan and lease loss provision to assets | 0.3619% | 864 |
| Net operating income to assets | 2.6987% | 143 |
| Return on assets (ROA) | 2.6987% | 141 |
| Pretax return on assets | 2.6987% | 163 |
| Return on Equity (ROE) | 26.6652% | 105 |
| Retained earnings to average equity (ytd only) | 2.8251% | 4,231 |
| Net charge-offs to loans | 0.3760% | 1,790 |
| Credit loss provision to net charge-offs | 106.0071% | 2,275 |
| Earnings coverage of net charge-offs (x) | 8.9647% | 2,573 |
| Efficiency ratio | 41.0274% | 6,672 |
| Assets per employee ($millions) | 4.6602% | 2,640 |
| Cash dividends to net income (ytd only)* | 89.4055% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8303% | 1,972 |
| Loan loss allowance to noncurrent loans | 478.6713% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 4,154 |
| Noncurrent loans to loans | 0.3824% | 5,047 |
| Net loans and leases to total assets | 87.5362% | 104 |
| Net loans and leases to deposits | 97.5295% | 618 |
| Net loans and leases to core deposits | 99.2632% | 1,212 |
| Total domestic deposits to total assets | 89.7536% | 1,208 |
| Equity capital to assets | 10.1773% | 3,537 |
| Core capital (leverage) ratio | 10.2726% | 3,188 |
| Tier 1 risk-based capital ratio | 11.6467% | 5,826 |
| Total risk-based capital ratio | 12.9047% | 5,761 |
| Memoranda: | ||
| Average total assets | $82,890,800 | 5,168 |
| Average earning assets | $79,911,200 | 5,038 |
| Average equity | $8,389,200 | 5,242 |
| Average total loans | $75,262,000 | 4,088 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 361 |
| Cost of funding earning assets | 0.4622% | 4,146 |
| Net interest margin | 5.0577% | 287 |
| Noninterest income to average assets | 0.3162% | 5,169 |
| Noninterest expense to average assets | 2.1135% | 5,800 |
| Loan and lease loss provision to assets | 0.3630% | 875 |
| Net operating income to assets | 2.7120% | 141 |
| Return on assets (ROA) | 2.7120% | 145 |
| Pretax return on assets | 2.7120% | 180 |
| Return on Equity (ROE) | 26.8344% | 93 |
| Retained earnings to average equity (ytd only) | 3.2885% | 4,335 |
| Net charge-offs to loans | 0.4776% | 1,345 |
| Credit loss provision to net charge-offs | 83.3333% | 2,766 |
| Earnings coverage of net charge-offs (x) | 7.0593% | 2,856 |
| Efficiency ratio | 40.7338% | 6,736 |
| Assets per employee ($millions) | 4.0174% | 3,798 |
| Cash dividends to net income (ytd only)* | 87.7454% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 2,592 |
| Loan loss allowance to noncurrent loans | 284.3478% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 4,138 |
| Noncurrent loans to loans | 0.6022% | 4,689 |
| Net loans and leases to total assets | 88.9978% | 58 |
| Net loans and leases to deposits | 99.1339% | 506 |
| Net loans and leases to core deposits | 101.0307% | 1,051 |
| Total domestic deposits to total assets | 89.7754% | 1,121 |
| Equity capital to assets | 10.0824% | 3,793 |
| Core capital (leverage) ratio | 10.2486% | 3,330 |
| Tier 1 risk-based capital ratio | 11.3682% | 6,116 |
| Total risk-based capital ratio | 12.6248% | 6,084 |
| Memoranda: | ||
| Average total assets | $82,642,750 | 5,226 |
| Average earning assets | $79,612,750 | 5,098 |
| Average equity | $8,352,250 | 5,306 |
| Average total loans | $75,378,250 | 4,103 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4694% | 394 |
| Cost of funding earning assets | 0.4739% | 4,161 |
| Net interest margin | 4.9955% | 311 |
| Noninterest income to average assets | 0.3168% | 5,168 |
| Noninterest expense to average assets | 2.2201% | 5,577 |
| Loan and lease loss provision to assets | 0.3655% | 903 |
| Net operating income to assets | 2.5345% | 162 |
| Return on assets (ROA) | 2.5345% | 176 |
| Pretax return on assets | 2.5345% | 264 |
| Return on Equity (ROE) | 25.0572% | 122 |
| Retained earnings to average equity (ytd only) | 2.1684% | 4,895 |
| Net charge-offs to loans | 0.6716% | 978 |
| Credit loss provision to net charge-offs | 59.5238% | 3,031 |
| Earnings coverage of net charge-offs (x) | 4.7222% | 3,053 |
| Efficiency ratio | 43.3603% | 6,728 |
| Assets per employee ($millions) | 4.5567% | 2,724 |
| Cash dividends to net income (ytd only)* | 91.3462% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 3,011 |
| Loan loss allowance to noncurrent loans | 232.5279% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 3,973 |
| Noncurrent loans to loans | 0.7058% | 4,522 |
| Net loans and leases to total assets | 91.4119% | 22 |
| Net loans and leases to deposits | 101.9679% | 335 |
| Net loans and leases to core deposits | 103.9745% | 844 |
| Total domestic deposits to total assets | 89.6476% | 1,232 |
| Equity capital to assets | 10.2304% | 3,627 |
| Core capital (leverage) ratio | 10.2157% | 3,205 |
| Tier 1 risk-based capital ratio | 11.3806% | 6,165 |
| Total risk-based capital ratio | 12.6355% | 6,128 |
| Memoranda: | ||
| Average total assets | $82,068,670 | 5,272 |
| Average earning assets | $78,911,670 | 5,143 |
| Average equity | $8,301,000 | 5,363 |
| Average total loans | $75,040,670 | 4,134 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 552 |
| Cost of funding earning assets | 0.4873% | 4,204 |
| Net interest margin | 4.7613% | 430 |
| Noninterest income to average assets | 0.3070% | 5,237 |
| Noninterest expense to average assets | 2.4070% | 5,098 |
| Loan and lease loss provision to assets | 0.3654% | 881 |
| Net operating income to assets | 2.1049% | 290 |
| Return on assets (ROA) | 2.1049% | 317 |
| Pretax return on assets | 2.1049% | 488 |
| Return on Equity (ROE) | 20.9302% | 237 |
| Retained earnings to average equity (ytd only) | -4.5058% | 6,326 |
| Net charge-offs to loans | 1.0692% | 564 |
| Credit loss provision to net charge-offs | 37.6884% | 2,783 |
| Earnings coverage of net charge-offs (x) | 2.5477% | 3,006 |
| Efficiency ratio | 49.3506% | 6,541 |
| Assets per employee ($millions) | 4.8971% | 2,354 |
| Cash dividends to net income (ytd only)* | 121.5278% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 3,240 |
| Loan loss allowance to noncurrent loans | 184.8120% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1652% | 3,620 |
| Noncurrent loans to loans | 0.8868% | 4,366 |
| Net loans and leases to total assets | 88.6006% | 63 |
| Net loans and leases to deposits | 98.3913% | 425 |
| Net loans and leases to core deposits | 99.9363% | 953 |
| Total domestic deposits to total assets | 90.0492% | 1,019 |
| Equity capital to assets | 9.8595% | 4,336 |
| Core capital (leverage) ratio | 9.9966% | 3,386 |
| Tier 1 risk-based capital ratio | 11.2325% | 6,296 |
| Total risk-based capital ratio | 12.4877% | 6,272 |
| Memoranda: | ||
| Average total assets | $82,093,000 | 5,319 |
| Average earning assets | $78,801,500 | 5,190 |
| Average equity | $8,256,000 | 5,421 |
| Average total loans | $74,447,500 | 4,188 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4990% | 626 |
| Cost of funding earning assets | 0.5412% | 4,892 |
| Net interest margin | 4.9577% | 409 |
| Noninterest income to average assets | 0.4786% | 4,046 |
| Noninterest expense to average assets | 2.2901% | 5,714 |
| Loan and lease loss provision to assets | 0.3769% | 1,737 |
| Net operating income to assets | 2.5526% | 144 |
| Return on assets (ROA) | 2.5526% | 159 |
| Pretax return on assets | 2.5526% | 239 |
| Return on Equity (ROE) | 25.1498% | 123 |
| Retained earnings to average equity (ytd only) | 5.3468% | 2,471 |
| Net charge-offs to loans | 0.1385% | 4,307 |
| Credit loss provision to net charge-offs | 306.1224% | 789 |
| Earnings coverage of net charge-offs (x) | 23.7959% | 1,204 |
| Efficiency ratio | 43.8748% | 6,852 |
| Assets per employee ($millions) | 4.4964% | 2,968 |
| Cash dividends to net income (ytd only)* | 78.7402% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 2,497 |
| Loan loss allowance to noncurrent loans | 701.0363% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 4,710 |
| Noncurrent loans to loans | 0.2611% | 5,830 |
| Net loans and leases to total assets | 89.6424% | 56 |
| Net loans and leases to deposits | 99.9890% | 414 |
| Net loans and leases to core deposits | 101.2546% | 940 |
| Total domestic deposits to total assets | 89.6523% | 1,152 |
| Equity capital to assets | 10.2600% | 3,812 |
| Core capital (leverage) ratio | 10.3050% | 3,007 |
| Tier 1 risk-based capital ratio | 11.5986% | 6,033 |
| Total risk-based capital ratio | 12.8564% | 5,989 |
| Memoranda: | ||
| Average total assets | $79,604,800 | 5,364 |
| Average earning assets | $76,123,600 | 5,238 |
| Average equity | $8,079,600 | 5,478 |
| Average total loans | $70,744,800 | 4,336 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 707 |
| Cost of funding earning assets | 0.5497% | 5,092 |
| Net interest margin | 4.9337% | 446 |
| Noninterest income to average assets | 0.5264% | 3,759 |
| Noninterest expense to average assets | 2.2656% | 5,788 |
| Loan and lease loss provision to assets | 0.3784% | 1,704 |
| Net operating income to assets | 2.6070% | 152 |
| Return on assets (ROA) | 2.6070% | 162 |
| Pretax return on assets | 2.6070% | 255 |
| Return on Equity (ROE) | 25.7571% | 129 |
| Retained earnings to average equity (ytd only) | 5.8162% | 2,820 |
| Net charge-offs to loans | 0.0972% | 4,412 |
| Credit loss provision to net charge-offs | 441.1765% | 606 |
| Earnings coverage of net charge-offs (x) | 34.8031% | 974 |
| Efficiency ratio | 43.1454% | 6,924 |
| Assets per employee ($millions) | 4.4908% | 2,930 |
| Cash dividends to net income (ytd only)* | 77.4192% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8469% | 2,655 |
| Loan loss allowance to noncurrent loans | 7,794.1176% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 5,445 |
| Noncurrent loans to loans | 0.0237% | 6,573 |
| Net loans and leases to total assets | 87.1143% | 110 |
| Net loans and leases to deposits | 97.1444% | 592 |
| Net loans and leases to core deposits | 98.3904% | 1,235 |
| Total domestic deposits to total assets | 89.6751% | 1,034 |
| Equity capital to assets | 10.1690% | 4,247 |
| Core capital (leverage) ratio | 10.3723% | 3,075 |
| Tier 1 risk-based capital ratio | 11.7231% | 6,101 |
| Total risk-based capital ratio | 12.9816% | 6,078 |
| Memoranda: | ||
| Average total assets | $79,272,000 | 5,428 |
| Average earning assets | $75,911,750 | 5,295 |
| Average equity | $8,023,500 | 5,552 |
| Average total loans | $69,954,500 | 4,400 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 896 |
| Cost of funding earning assets | 0.5629% | 5,204 |
| Net interest margin | 4.8214% | 537 |
| Noninterest income to average assets | 0.6146% | 3,171 |
| Noninterest expense to average assets | 2.3390% | 5,637 |
| Loan and lease loss provision to assets | 0.3809% | 1,717 |
| Net operating income to assets | 2.5066% | 175 |
| Return on assets (ROA) | 2.5066% | 199 |
| Pretax return on assets | 2.5066% | 297 |
| Return on Equity (ROE) | 24.8052% | 154 |
| Retained earnings to average equity (ytd only) | 4.6997% | 3,484 |
| Net charge-offs to loans | 0.1528% | 3,695 |
| Credit loss provision to net charge-offs | 283.0189% | 1,038 |
| Earnings coverage of net charge-offs (x) | 21.4528% | 1,342 |
| Efficiency ratio | 44.7522% | 6,928 |
| Assets per employee ($millions) | 4.3212% | 3,220 |
| Cash dividends to net income (ytd only)* | 81.0537% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 2,897 |
| Loan loss allowance to noncurrent loans | 885.1064% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 5,096 |
| Noncurrent loans to loans | 0.2019% | 6,180 |
| Net loans and leases to total assets | 88.2015% | 72 |
| Net loans and leases to deposits | 98.5378% | 496 |
| Net loans and leases to core deposits | 99.8501% | 1,106 |
| Total domestic deposits to total assets | 89.5103% | 1,212 |
| Equity capital to assets | 10.3599% | 3,861 |
| Core capital (leverage) ratio | 10.2569% | 3,088 |
| Tier 1 risk-based capital ratio | 11.8548% | 6,027 |
| Total risk-based capital ratio | 13.1118% | 5,992 |
| Memoranda: | ||
| Average total assets | $78,751,330 | 5,475 |
| Average earning assets | $75,330,670 | 5,346 |
| Average equity | $7,958,000 | 5,585 |
| Average total loans | $69,358,330 | 4,437 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1331% | 1,486 |
| Cost of funding earning assets | 0.5762% | 5,307 |
| Net interest margin | 4.5569% | 898 |
| Noninterest income to average assets | 0.8733% | 1,857 |
| Noninterest expense to average assets | 2.3979% | 5,477 |
| Loan and lease loss provision to assets | 0.4442% | 1,400 |
| Net operating income to assets | 2.3827% | 210 |
| Return on assets (ROA) | 2.3827% | 261 |
| Pretax return on assets | 2.3827% | 404 |
| Return on Equity (ROE) | 23.8746% | 218 |
| Retained earnings to average equity (ytd only) | 3.6419% | 4,393 |
| Net charge-offs to loans | 0.0637% | 3,858 |
| Credit loss provision to net charge-offs | 800.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 50.9091% | 628 |
| Efficiency ratio | 45.8937% | 6,904 |
| Assets per employee ($millions) | 4.2193% | 3,542 |
| Cash dividends to net income (ytd only)* | 84.7458% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 3,033 |
| Loan loss allowance to noncurrent loans | 722.3529% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 5,180 |
| Noncurrent loans to loans | 0.2477% | 6,191 |
| Net loans and leases to total assets | 84.0895% | 180 |
| Net loans and leases to deposits | 93.4241% | 703 |
| Net loans and leases to core deposits | 95.0013% | 1,375 |
| Total domestic deposits to total assets | 90.0084% | 1,081 |
| Equity capital to assets | 9.9081% | 4,244 |
| Core capital (leverage) ratio | 10.1747% | 3,142 |
| Tier 1 risk-based capital ratio | 11.8339% | 6,062 |
| Total risk-based capital ratio | 13.0905% | 6,042 |
| Memoranda: | ||
| Average total assets | $79,236,500 | 5,502 |
| Average earning assets | $75,666,000 | 5,378 |
| Average equity | $7,908,000 | 5,627 |
| Average total loans | $69,111,500 | 4,475 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7928% | 654 |
| Cost of funding earning assets | 0.7207% | 5,403 |
| Net interest margin | 5.0721% | 355 |
| Noninterest income to average assets | 0.3923% | 4,681 |
| Noninterest expense to average assets | 2.6209% | 5,012 |
| Loan and lease loss provision to assets | 0.4542% | 2,329 |
| Net operating income to assets | 2.1721% | 236 |
| Return on assets (ROA) | 2.1721% | 251 |
| Pretax return on assets | 2.1721% | 390 |
| Return on Equity (ROE) | 21.4603% | 202 |
| Retained earnings to average equity (ytd only) | 5.8528% | 2,105 |
| Net charge-offs to loans | 0.1721% | 4,775 |
| Credit loss provision to net charge-offs | 297.4138% | 793 |
| Earnings coverage of net charge-offs (x) | 17.1983% | 1,285 |
| Efficiency ratio | 49.9498% | 6,836 |
| Assets per employee ($millions) | 3.9153% | 4,039 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 3,361 |
| Loan loss allowance to noncurrent loans | 804.8951% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.9016% | 4,809 |
| Noncurrent loans to loans | 0.2055% | 6,337 |
| Net loans and leases to total assets | 87.3905% | 93 |
| Net loans and leases to deposits | 97.2280% | 612 |
| Net loans and leases to core deposits | 98.9059% | 1,268 |
| Total domestic deposits to total assets | 89.8820% | 1,053 |
| Equity capital to assets | 10.0541% | 4,100 |
| Core capital (leverage) ratio | 10.0346% | 3,295 |
| Tier 1 risk-based capital ratio | 11.6053% | 6,092 |
| Total risk-based capital ratio | 12.8607% | 6,068 |
| Memoranda: | ||
| Average total assets | $75,965,000 | 5,569 |
| Average earning assets | $72,711,400 | 5,455 |
| Average equity | $7,688,600 | 5,666 |
| Average total loans | $67,386,800 | 4,583 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7608% | 759 |
| Cost of funding earning assets | 0.7508% | 5,467 |
| Net interest margin | 5.0101% | 404 |
| Noninterest income to average assets | 0.3997% | 4,671 |
| Noninterest expense to average assets | 2.4321% | 5,684 |
| Loan and lease loss provision to assets | 0.4599% | 2,158 |
| Net operating income to assets | 2.3118% | 204 |
| Return on assets (ROA) | 2.3118% | 223 |
| Pretax return on assets | 2.3118% | 351 |
| Return on Equity (ROE) | 22.8017% | 193 |
| Retained earnings to average equity (ytd only) | 9.7174% | 923 |
| Net charge-offs to loans | 0.3192% | 3,507 |
| Credit loss provision to net charge-offs | 162.5000% | 1,886 |
| Earnings coverage of net charge-offs (x) | 9.7937% | 2,003 |
| Efficiency ratio | 46.7369% | 7,027 |
| Assets per employee ($millions) | 3.9113% | 4,045 |
| Cash dividends to net income (ytd only)* | 57.3837% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 4,185 |
| Loan loss allowance to noncurrent loans | 1,161.3636% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 5,099 |
| Noncurrent loans to loans | 0.1278% | 6,618 |
| Net loans and leases to total assets | 86.7512% | 112 |
| Net loans and leases to deposits | 96.7701% | 655 |
| Net loans and leases to core deposits | 99.7208% | 1,271 |
| Total domestic deposits to total assets | 89.6467% | 1,070 |
| Equity capital to assets | 10.2038% | 4,078 |
| Core capital (leverage) ratio | 10.3005% | 3,081 |
| Tier 1 risk-based capital ratio | 11.9022% | 5,957 |
| Total risk-based capital ratio | 13.1560% | 5,944 |
| Memoranda: | ||
| Average total assets | $75,379,750 | 5,630 |
| Average earning assets | $72,279,500 | 5,507 |
| Average equity | $7,642,500 | 5,708 |
| Average total loans | $66,837,750 | 4,636 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7553% | 787 |
| Cost of funding earning assets | 0.7954% | 5,405 |
| Net interest margin | 4.9599% | 423 |
| Noninterest income to average assets | 0.4057% | 4,630 |
| Noninterest expense to average assets | 2.4882% | 5,590 |
| Loan and lease loss provision to assets | 0.3628% | 2,616 |
| Net operating income to assets | 2.3136% | 216 |
| Return on assets (ROA) | 2.3136% | 230 |
| Pretax return on assets | 2.3136% | 342 |
| Return on Equity (ROE) | 22.8706% | 205 |
| Retained earnings to average equity (ytd only) | 2.9485% | 4,403 |
| Net charge-offs to loans | 0.2781% | 3,499 |
| Credit loss provision to net charge-offs | 146.7391% | 2,085 |
| Earnings coverage of net charge-offs (x) | 10.8261% | 1,766 |
| Efficiency ratio | 48.1790% | 7,047 |
| Assets per employee ($millions) | 3.7116% | 4,408 |
| Cash dividends to net income (ytd only)* | 87.1080% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 4,376 |
| Loan loss allowance to noncurrent loans | 133.2873% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 4,672 |
| Noncurrent loans to loans | 1.0831% | 4,857 |
| Net loans and leases to total assets | 88.7488% | 67 |
| Net loans and leases to deposits | 98.9323% | 546 |
| Net loans and leases to core deposits | 101.6635% | 1,197 |
| Total domestic deposits to total assets | 89.7066% | 1,117 |
| Equity capital to assets | 10.1520% | 3,944 |
| Core capital (leverage) ratio | 9.8484% | 3,458 |
| Tier 1 risk-based capital ratio | 11.6930% | 6,019 |
| Total risk-based capital ratio | 12.9466% | 6,019 |
| Memoranda: | ||
| Average total assets | $74,431,000 | 5,709 |
| Average earning assets | $71,413,000 | 5,573 |
| Average equity | $7,529,330 | 5,757 |
| Average total loans | $66,155,670 | 4,722 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7073% | 868 |
| Cost of funding earning assets | 0.8345% | 5,369 |
| Net interest margin | 4.8728% | 494 |
| Noninterest income to average assets | 0.4025% | 4,681 |
| Noninterest expense to average assets | 2.4742% | 5,650 |
| Loan and lease loss provision to assets | 0.1610% | 4,020 |
| Net operating income to assets | 2.4366% | 191 |
| Return on assets (ROA) | 2.4366% | 197 |
| Pretax return on assets | 2.4366% | 268 |
| Return on Equity (ROE) | 24.1297% | 186 |
| Retained earnings to average equity (ytd only) | 10.8424% | 932 |
| Net charge-offs to loans | 0.1216% | 3,804 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 993 |
| Efficiency ratio | 48.7831% | 7,080 |
| Assets per employee ($millions) | 4.0926% | 3,657 |
| Cash dividends to net income (ytd only)* | 55.0661% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 4,676 |
| Loan loss allowance to noncurrent loans | 100.9751% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 4,500 |
| Noncurrent loans to loans | 1.3847% | 4,395 |
| Net loans and leases to total assets | 84.5265% | 205 |
| Net loans and leases to deposits | 93.8474% | 848 |
| Net loans and leases to core deposits | 96.9897% | 1,596 |
| Total domestic deposits to total assets | 90.0680% | 1,114 |
| Equity capital to assets | 9.8137% | 4,021 |
| Core capital (leverage) ratio | 10.2916% | 2,812 |
| Tier 1 risk-based capital ratio | 11.7614% | 5,887 |
| Total risk-based capital ratio | 13.0132% | 5,896 |
| Memoranda: | ||
| Average total assets | $74,530,500 | 5,743 |
| Average earning assets | $71,417,500 | 5,622 |
| Average equity | $7,526,000 | 5,765 |
| Average total loans | $65,811,000 | 4,778 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7913% | 1,299 |
| Cost of funding earning assets | 1.0973% | 5,149 |
| Net interest margin | 4.6940% | 830 |
| Noninterest income to average assets | 0.4208% | 4,737 |
| Noninterest expense to average assets | 2.5050% | 5,773 |
| Loan and lease loss provision to assets | 0.4752% | 3,286 |
| Net operating income to assets | 1.9353% | 314 |
| Return on assets (ROA) | 1.9353% | 332 |
| Pretax return on assets | 1.9353% | 559 |
| Return on Equity (ROE) | 18.8201% | 324 |
| Retained earnings to average equity (ytd only) | 4.8999% | 2,477 |
| Net charge-offs to loans | 0.3294% | 4,359 |
| Credit loss provision to net charge-offs | 162.7451% | 2,132 |
| Earnings coverage of net charge-offs (x) | 8.2549% | 1,992 |
| Efficiency ratio | 50.9610% | 7,062 |
| Assets per employee ($millions) | 3.7527% | 4,359 |
| Cash dividends to net income (ytd only)* | 73.9645% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 4,427 |
| Loan loss allowance to noncurrent loans | 50.3825% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.6367% | 2,638 |
| Noncurrent loans to loans | 2.8170% | 2,706 |
| Net loans and leases to total assets | 89.8166% | 61 |
| Net loans and leases to deposits | 100.3620% | 555 |
| Net loans and leases to core deposits | 103.6262% | 1,337 |
| Total domestic deposits to total assets | 89.4926% | 1,384 |
| Equity capital to assets | 10.4078% | 3,263 |
| Core capital (leverage) ratio | 10.3455% | 2,727 |
| Tier 1 risk-based capital ratio | 12.0191% | 5,455 |
| Total risk-based capital ratio | 13.2718% | 5,436 |
| Memoranda: | ||
| Average total assets | $69,859,000 | 5,894 |
| Average earning assets | $66,893,600 | 5,773 |
| Average equity | $7,183,800 | 5,970 |
| Average total loans | $61,928,800 | 4,988 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7521% | 1,544 |
| Cost of funding earning assets | 1.1324% | 5,241 |
| Net interest margin | 4.6197% | 1,006 |
| Noninterest income to average assets | 0.4317% | 4,702 |
| Noninterest expense to average assets | 2.4921% | 5,740 |
| Loan and lease loss provision to assets | 0.4643% | 3,149 |
| Net operating income to assets | 1.8974% | 409 |
| Return on assets (ROA) | 1.8974% | 458 |
| Pretax return on assets | 1.8974% | 778 |
| Return on Equity (ROE) | 18.5084% | 433 |
| Retained earnings to average equity (ytd only) | 4.4727% | 3,363 |
| Net charge-offs to loans | 0.3182% | 4,065 |
| Credit loss provision to net charge-offs | 165.7534% | 2,260 |
| Earnings coverage of net charge-offs (x) | 8.4316% | 2,167 |
| Efficiency ratio | 51.3439% | 7,045 |
| Assets per employee ($millions) | 3.7406% | 4,414 |
| Cash dividends to net income (ytd only)* | 75.8348% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 4,278 |
| Loan loss allowance to noncurrent loans | 90.4472% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.5266% | 4,158 |
| Noncurrent loans to loans | 1.5889% | 4,258 |
| Net loans and leases to total assets | 85.8861% | 210 |
| Net loans and leases to deposits | 95.9538% | 981 |
| Net loans and leases to core deposits | 100.0262% | 1,850 |
| Total domestic deposits to total assets | 89.5078% | 1,124 |
| Equity capital to assets | 10.2910% | 3,780 |
| Core capital (leverage) ratio | 10.3055% | 2,908 |
| Tier 1 risk-based capital ratio | 12.2930% | 5,189 |
| Total risk-based capital ratio | 13.5469% | 5,155 |
| Memoranda: | ||
| Average total assets | $69,498,250 | 5,954 |
| Average earning assets | $66,524,500 | 5,846 |
| Average equity | $7,124,500 | 6,067 |
| Average total loans | $61,170,250 | 5,092 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7761% | 1,497 |
| Cost of funding earning assets | 1.1558% | 5,365 |
| Net interest margin | 4.6203% | 953 |
| Noninterest income to average assets | 0.4465% | 4,555 |
| Noninterest expense to average assets | 2.4937% | 5,737 |
| Loan and lease loss provision to assets | 0.5567% | 2,542 |
| Net operating income to assets | 1.8123% | 474 |
| Return on assets (ROA) | 1.8123% | 514 |
| Pretax return on assets | 1.8123% | 866 |
| Return on Equity (ROE) | 17.7020% | 495 |
| Retained earnings to average equity (ytd only) | -3.5404% | 6,376 |
| Net charge-offs to loans | 0.4301% | 3,275 |
| Credit loss provision to net charge-offs | 146.5649% | 2,696 |
| Earnings coverage of net charge-offs (x) | 6.2366% | 2,501 |
| Efficiency ratio | 51.2821% | 7,129 |
| Assets per employee ($millions) | 3.6879% | 4,502 |
| Cash dividends to net income (ytd only)* | 120.0000% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,455 |
| Loan loss allowance to noncurrent loans | 73.0375% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 3,834 |
| Noncurrent loans to loans | 1.9103% | 3,854 |
| Net loans and leases to total assets | 86.3339% | 204 |
| Net loans and leases to deposits | 96.0330% | 1,045 |
| Net loans and leases to core deposits | 99.7379% | 2,049 |
| Total domestic deposits to total assets | 89.9002% | 972 |
| Equity capital to assets | 9.9228% | 4,109 |
| Core capital (leverage) ratio | 9.9790% | 3,184 |
| Tier 1 risk-based capital ratio | 11.8339% | 5,458 |
| Total risk-based capital ratio | 13.0872% | 5,424 |
| Memoranda: | ||
| Average total assets | $68,973,670 | 6,006 |
| Average earning assets | $65,927,000 | 5,902 |
| Average equity | $7,061,330 | 6,117 |
| Average total loans | $60,916,670 | 5,139 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8184% | 1,407 |
| Cost of funding earning assets | 1.1759% | 5,527 |
| Net interest margin | 4.6425% | 886 |
| Noninterest income to average assets | 0.4326% | 4,634 |
| Noninterest expense to average assets | 2.4436% | 5,938 |
| Loan and lease loss provision to assets | 0.5612% | 2,257 |
| Net operating income to assets | 1.8590% | 438 |
| Return on assets (ROA) | 1.8590% | 482 |
| Pretax return on assets | 1.8590% | 794 |
| Return on Equity (ROE) | 17.8765% | 526 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,846 |
| Net charge-offs to loans | 0.5667% | 2,383 |
| Credit loss provision to net charge-offs | 111.6279% | 3,100 |
| Earnings coverage of net charge-offs (x) | 4.8140% | 2,542 |
| Efficiency ratio | 50.2404% | 7,301 |
| Assets per employee ($millions) | 3.5992% | 4,821 |
| Cash dividends to net income (ytd only)* | 78.6164% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,696 |
| Loan loss allowance to noncurrent loans | 75.6350% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.6977% | 3,930 |
| Noncurrent loans to loans | 1.7802% | 4,081 |
| Net loans and leases to total assets | 86.1432% | 207 |
| Net loans and leases to deposits | 96.3699% | 1,066 |
| Net loans and leases to core deposits | 100.6200% | 2,069 |
| Total domestic deposits to total assets | 89.3880% | 1,306 |
| Equity capital to assets | 10.4540% | 3,289 |
| Core capital (leverage) ratio | 10.3347% | 2,774 |
| Tier 1 risk-based capital ratio | 12.4440% | 4,798 |
| Total risk-based capital ratio | 13.6966% | 4,745 |
| Memoranda: | ||
| Average total assets | $68,425,000 | 6,092 |
| Average earning assets | $65,310,000 | 5,984 |
| Average equity | $7,115,500 | 6,150 |
| Average total loans | $60,699,500 | 5,218 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9066% | 2,199 |
| Cost of funding earning assets | 1.4981% | 5,522 |
| Net interest margin | 4.4085% | 1,409 |
| Noninterest income to average assets | 0.4601% | 4,716 |
| Noninterest expense to average assets | 2.4549% | 6,290 |
| Loan and lease loss provision to assets | 0.1764% | 5,933 |
| Net operating income to assets | 2.0506% | 205 |
| Return on assets (ROA) | 2.0506% | 224 |
| Pretax return on assets | 2.0506% | 369 |
| Return on Equity (ROE) | 20.5619% | 218 |
| Retained earnings to average equity (ytd only) | 5.8222% | 1,420 |
| Net charge-offs to loans | 0.1687% | 5,596 |
| Credit loss provision to net charge-offs | 115.3846% | 4,725 |
| Earnings coverage of net charge-offs (x) | 14.5673% | 1,363 |
| Efficiency ratio | 52.4333% | 7,355 |
| Assets per employee ($millions) | 3.2602% | 5,589 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 4,834 |
| Loan loss allowance to noncurrent loans | 85.1931% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.5044% | 4,123 |
| Noncurrent loans to loans | 1.5109% | 4,395 |
| Net loans and leases to total assets | 88.9389% | 130 |
| Net loans and leases to deposits | 99.3393% | 962 |
| Net loans and leases to core deposits | 131.4481% | 1,200 |
| Total domestic deposits to total assets | 89.5304% | 1,195 |
| Equity capital to assets | 10.3440% | 3,346 |
| Core capital (leverage) ratio | 10.4371% | 2,661 |
| Tier 1 risk-based capital ratio | 12.0106% | 4,937 |
| Total risk-based capital ratio | 13.2618% | 4,890 |
| Memoranda: | ||
| Average total assets | $68,028,200 | 6,076 |
| Average earning assets | $65,147,200 | 5,953 |
| Average equity | $6,784,400 | 6,340 |
| Average total loans | $61,642,400 | 5,186 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9131% | 2,396 |
| Cost of funding earning assets | 1.5704% | 5,539 |
| Net interest margin | 4.3427% | 1,609 |
| Noninterest income to average assets | 0.4554% | 4,864 |
| Noninterest expense to average assets | 2.3635% | 6,520 |
| Loan and lease loss provision to assets | 0.1767% | 5,594 |
| Net operating income to assets | 2.0789% | 242 |
| Return on assets (ROA) | 2.0789% | 270 |
| Pretax return on assets | 2.0789% | 463 |
| Return on Equity (ROE) | 21.0426% | 254 |
| Retained earnings to average equity (ytd only) | 1.1723% | 4,672 |
| Net charge-offs to loans | 0.1925% | 4,854 |
| Credit loss provision to net charge-offs | 101.1236% | 5,028 |
| Earnings coverage of net charge-offs (x) | 12.9105% | 1,717 |
| Efficiency ratio | 51.1687% | 7,473 |
| Assets per employee ($millions) | 3.5341% | 4,844 |
| Cash dividends to net income (ytd only)* | 94.4290% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 4,674 |
| Loan loss allowance to noncurrent loans | 117.1429% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 4,369 |
| Noncurrent loans to loans | 1.0855% | 5,136 |
| Net loans and leases to total assets | 90.0727% | 115 |
| Net loans and leases to deposits | 100.3551% | 1,073 |
| Net loans and leases to core deposits | 131.0382% | 1,372 |
| Total domestic deposits to total assets | 89.7540% | 863 |
| Equity capital to assets | 10.0509% | 4,023 |
| Core capital (leverage) ratio | 9.9456% | 3,343 |
| Tier 1 risk-based capital ratio | 11.5998% | 5,340 |
| Total risk-based capital ratio | 12.8515% | 5,277 |
| Memoranda: | ||
| Average total assets | $67,919,000 | 6,109 |
| Average earning assets | $65,119,750 | 6,000 |
| Average equity | $6,710,000 | 6,420 |
| Average total loans | $61,631,500 | 5,220 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8668% | 2,732 |
| Cost of funding earning assets | 1.6181% | 5,674 |
| Net interest margin | 4.2487% | 1,823 |
| Noninterest income to average assets | 0.4459% | 4,884 |
| Noninterest expense to average assets | 2.3439% | 6,636 |
| Loan and lease loss provision to assets | 0.1760% | 5,288 |
| Net operating income to assets | 2.0007% | 296 |
| Return on assets (ROA) | 2.0007% | 326 |
| Pretax return on assets | 2.0007% | 571 |
| Return on Equity (ROE) | 20.3673% | 316 |
| Retained earnings to average equity (ytd only) | -2.0308% | 5,751 |
| Net charge-offs to loans | 0.3012% | 3,682 |
| Credit loss provision to net charge-offs | 64.5161% | 5,520 |
| Earnings coverage of net charge-offs (x) | 7.9785% | 2,345 |
| Efficiency ratio | 51.8494% | 7,528 |
| Assets per employee ($millions) | 3.5545% | 4,675 |
| Cash dividends to net income (ytd only)* | 109.9707% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 4,877 |
| Loan loss allowance to noncurrent loans | 141.0208% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 4,824 |
| Noncurrent loans to loans | 0.8569% | 5,505 |
| Net loans and leases to total assets | 90.3043% | 117 |
| Net loans and leases to deposits | 100.3554% | 1,251 |
| Net loans and leases to core deposits | 130.7023% | 1,505 |
| Total domestic deposits to total assets | 89.9845% | 837 |
| Equity capital to assets | 9.7920% | 4,224 |
| Core capital (leverage) ratio | 9.6574% | 3,691 |
| Tier 1 risk-based capital ratio | 11.1684% | 5,706 |
| Total risk-based capital ratio | 12.4188% | 5,625 |
| Memoranda: | ||
| Average total assets | $68,176,000 | 6,146 |
| Average earning assets | $65,384,330 | 6,030 |
| Average equity | $6,697,000 | 6,468 |
| Average total loans | $61,755,000 | 5,261 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9086% | 2,757 |
| Cost of funding earning assets | 1.7030% | 5,584 |
| Net interest margin | 4.2056% | 1,873 |
| Noninterest income to average assets | 0.4146% | 5,097 |
| Noninterest expense to average assets | 2.2950% | 6,560 |
| Loan and lease loss provision to assets | 0.1752% | 4,712 |
| Net operating income to assets | 1.9680% | 369 |
| Return on assets (ROA) | 1.9680% | 420 |
| Pretax return on assets | 1.9680% | 702 |
| Return on Equity (ROE) | 20.0030% | 419 |
| Retained earnings to average equity (ytd only) | 5.1640% | 3,032 |
| Net charge-offs to loans | 0.0324% | 5,062 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 73.4000% | 556 |
| Efficiency ratio | 51.7105% | 7,447 |
| Assets per employee ($millions) | 3.3971% | 5,079 |
| Cash dividends to net income (ytd only)* | 74.1840% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 4,041 |
| Loan loss allowance to noncurrent loans | 168.9076% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 4,728 |
| Noncurrent loans to loans | 0.7732% | 5,500 |
| Net loans and leases to total assets | 89.4277% | 164 |
| Net loans and leases to deposits | 99.5168% | 1,473 |
| Net loans and leases to core deposits | 129.3708% | 1,702 |
| Total domestic deposits to total assets | 89.8619% | 862 |
| Equity capital to assets | 9.9762% | 4,031 |
| Core capital (leverage) ratio | 9.8833% | 3,540 |
| Tier 1 risk-based capital ratio | 11.3340% | 5,561 |
| Total risk-based capital ratio | 12.5856% | 5,473 |
| Memoranda: | ||
| Average total assets | $68,496,500 | 6,156 |
| Average earning assets | $65,531,500 | 6,055 |
| Average equity | $6,739,000 | 6,502 |
| Average total loans | $61,766,000 | 5,294 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8767% | 1,475 |
| Cost of funding earning assets | 2.4638% | 4,403 |
| Net interest margin | 4.4129% | 1,651 |
| Noninterest income to average assets | 0.4517% | 5,025 |
| Noninterest expense to average assets | 2.4496% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1846% | 249 |
| Return on assets (ROA) | 2.1846% | 243 |
| Pretax return on assets | 2.1846% | 413 |
| Return on Equity (ROE) | 22.8083% | 222 |
| Retained earnings to average equity (ytd only) | -1.3755% | 5,699 |
| Net charge-offs to loans | 0.0914% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 27.4364% | 1,246 |
| Efficiency ratio | 52.8585% | 7,399 |
| Assets per employee ($millions) | 3.2881% | 5,243 |
| Cash dividends to net income (ytd only)* | 106.0305% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 4,083 |
| Loan loss allowance to noncurrent loans | 115.9463% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9964% | 4,349 |
| Noncurrent loans to loans | 1.0828% | 4,401 |
| Net loans and leases to total assets | 88.6171% | 312 |
| Net loans and leases to deposits | 98.3399% | 2,079 |
| Net loans and leases to core deposits | 129.0813% | 1,923 |
| Total domestic deposits to total assets | 90.1131% | 602 |
| Equity capital to assets | 9.7030% | 4,419 |
| Core capital (leverage) ratio | 9.5385% | 3,960 |
| Tier 1 risk-based capital ratio | 11.1738% | 5,566 |
| Total risk-based capital ratio | 12.4238% | 5,455 |
| Memoranda: | ||
| Average total assets | $69,073,000 | 6,060 |
| Average earning assets | $65,467,400 | 5,981 |
| Average equity | $6,616,000 | 6,600 |
| Average total loans | $60,171,600 | 5,256 |