Home > First Delta Bank > Performance and Condition Ratios
First Delta Bank, Performance and Condition Ratios
| 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 | 1.2442% | 5,247 |
| Cost of funding earning assets | 0.1340% | 5,142 |
| Net interest margin | 1.1102% | 5,238 |
| Noninterest income to average assets | 0.1412% | 4,832 |
| Noninterest expense to average assets | 0.8337% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3254% | 4,811 |
| Return on assets (ROA) | -0.6440% | 5,153 |
| Pretax return on assets | -0.6484% | 5,149 |
| Return on Equity (ROE) | -5.7810% | 5,164 |
| Retained earnings to average equity (ytd only) | -5.7810% | 5,080 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5909% | 1,890 |
| Assets per employee ($millions) | 3.8166% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 2,655 |
| Noncurrent loans to loans | 0.8604% | 1,865 |
| Net loans and leases to total assets | 33.8781% | 4,991 |
| Net loans and leases to deposits | 39.1826% | 5,017 |
| Net loans and leases to core deposits | 39.9784% | 5,035 |
| Total domestic deposits to total assets | 86.4622% | 1,787 |
| Equity capital to assets | 13.3462% | 1,436 |
| Core capital (leverage) ratio | 10.3794% | 3,225 |
| Tier 1 risk-based capital ratio | 20.6528% | 1,245 |
| Total risk-based capital ratio | 20.6528% | 1,449 |
| Memoranda: | ||
| Average total assets | $60,453,250 | 4,651 |
| Average earning assets | $55,724,750 | 4,653 |
| Average equity | $6,734,500 | 4,724 |
| Average total loans | $17,264,500 | 5,000 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4075% | 5,079 |
| Cost of funding earning assets | 0.3340% | 4,729 |
| Net interest margin | 3.0735% | 4,578 |
| Noninterest income to average assets | 0.4481% | 2,968 |
| Noninterest expense to average assets | 2.5992% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4913% | 4,539 |
| Return on assets (ROA) | 0.4913% | 4,574 |
| Pretax return on assets | 0.7203% | 4,283 |
| Return on Equity (ROE) | 4.7264% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.7264% | 2,903 |
| Net charge-offs to loans | 0.7567% | 189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.5574% | 2,830 |
| Efficiency ratio | 78.3000% | 1,111 |
| Assets per employee ($millions) | 3.8920% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3795% | 262 |
| Loan loss allowance to noncurrent loans | 240.8046% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 2,526 |
| Noncurrent loans to loans | 0.9881% | 1,653 |
| Net loans and leases to total assets | 29.4450% | 5,109 |
| Net loans and leases to deposits | 33.3618% | 5,133 |
| Net loans and leases to core deposits | 34.2314% | 5,143 |
| Total domestic deposits to total assets | 88.2597% | 985 |
| Equity capital to assets | 11.4868% | 2,613 |
| Core capital (leverage) ratio | 11.4983% | 2,168 |
| Tier 1 risk-based capital ratio | 24.9981% | 758 |
| Total risk-based capital ratio | 26.2516% | 739 |
| Memoranda: | ||
| Average total assets | $60,249,000 | 4,692 |
| Average earning assets | $56,288,000 | 4,682 |
| Average equity | $6,262,670 | 4,818 |
| Average total loans | $16,123,330 | 5,064 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 5,202 |
| Cost of funding earning assets | 0.3012% | 4,841 |
| Net interest margin | 2.9350% | 4,843 |
| Noninterest income to average assets | 0.4053% | 3,149 |
| Noninterest expense to average assets | 2.4909% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4184% | 4,689 |
| Return on assets (ROA) | 0.4184% | 4,703 |
| Pretax return on assets | 0.6538% | 4,409 |
| Return on Equity (ROE) | 4.2377% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.2377% | 3,222 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2100% | 1,134 |
| Assets per employee ($millions) | 3.7251% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3352% | 97 |
| Loan loss allowance to noncurrent loans | 905.6604% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 3,354 |
| Noncurrent loans to loans | 0.3683% | 3,262 |
| Net loans and leases to total assets | 23.3419% | 5,244 |
| Net loans and leases to deposits | 26.1765% | 5,251 |
| Net loans and leases to core deposits | 26.8364% | 5,252 |
| Total domestic deposits to total assets | 89.1713% | 783 |
| Equity capital to assets | 10.6223% | 3,237 |
| Core capital (leverage) ratio | 11.5157% | 2,124 |
| Tier 1 risk-based capital ratio | 24.7366% | 776 |
| Total risk-based capital ratio | 25.9927% | 769 |
| Memoranda: | ||
| Average total assets | $61,183,500 | 4,723 |
| Average earning assets | $57,103,500 | 4,718 |
| Average equity | $6,041,000 | 4,888 |
| Average total loans | $15,380,500 | 5,142 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 4,724 |
| Cost of funding earning assets | 0.5043% | 3,318 |
| Net interest margin | 3.1571% | 4,563 |
| Noninterest income to average assets | 0.4698% | 2,997 |
| Noninterest expense to average assets | 2.4106% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8304% | 3,692 |
| Return on assets (ROA) | 0.8304% | 3,689 |
| Pretax return on assets | 1.0203% | 3,541 |
| Return on Equity (ROE) | 9.4170% | 2,781 |
| Retained earnings to average equity (ytd only) | 4.0359% | 3,344 |
| Net charge-offs to loans | -0.0493% | 4,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2628% | 2,139 |
| Assets per employee ($millions) | 4.1844% | 3,634 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9324% | 142 |
| Loan loss allowance to noncurrent loans | 923.0769% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,300 |
| Noncurrent loans to loans | 0.3177% | 3,415 |
| Net loans and leases to total assets | 25.3147% | 5,265 |
| Net loans and leases to deposits | 29.0885% | 5,280 |
| Net loans and leases to core deposits | 30.3939% | 5,273 |
| Total domestic deposits to total assets | 87.0264% | 1,774 |
| Equity capital to assets | 9.1626% | 4,438 |
| Core capital (leverage) ratio | 9.8595% | 3,733 |
| Tier 1 risk-based capital ratio | 24.7294% | 761 |
| Total risk-based capital ratio | 25.9861% | 747 |
| Memoranda: | ||
| Average total assets | $63,219,600 | 4,698 |
| Average earning assets | $59,295,000 | 4,679 |
| Average equity | $5,575,000 | 4,957 |
| Average total loans | $18,271,200 | 5,114 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 4,911 |
| Cost of funding earning assets | 0.4660% | 3,416 |
| Net interest margin | 3.0555% | 4,776 |
| Noninterest income to average assets | 0.4779% | 2,999 |
| Noninterest expense to average assets | 2.3894% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8042% | 3,885 |
| Return on assets (ROA) | 0.8042% | 3,891 |
| Pretax return on assets | 0.9600% | 3,851 |
| Return on Equity (ROE) | 9.2085% | 2,997 |
| Retained earnings to average equity (ytd only) | 9.2085% | 1,150 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3388% | 1,991 |
| Assets per employee ($millions) | 4.5414% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8483% | 655 |
| Loan loss allowance to noncurrent loans | 981.2500% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 3,493 |
| Noncurrent loans to loans | 0.1884% | 4,042 |
| Net loans and leases to total assets | 36.7170% | 5,115 |
| Net loans and leases to deposits | 45.1961% | 5,077 |
| Net loans and leases to core deposits | 51.6489% | 4,979 |
| Total domestic deposits to total assets | 81.2393% | 3,804 |
| Equity capital to assets | 7.9990% | 5,181 |
| Core capital (leverage) ratio | 10.0028% | 3,631 |
| Tier 1 risk-based capital ratio | 20.0000% | 1,336 |
| Total risk-based capital ratio | 21.2496% | 1,303 |
| Memoranda: | ||
| Average total assets | $63,333,000 | 4,745 |
| Average earning assets | $59,519,000 | 4,723 |
| Average equity | $5,531,000 | 5,024 |
| Average total loans | $18,746,750 | 5,163 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 5,166 |
| Cost of funding earning assets | 0.3454% | 4,104 |
| Net interest margin | 2.9257% | 4,979 |
| Noninterest income to average assets | 0.4795% | 2,979 |
| Noninterest expense to average assets | 2.4588% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6090% | 4,469 |
| Return on assets (ROA) | 0.6090% | 4,475 |
| Pretax return on assets | 0.7645% | 4,352 |
| Return on Equity (ROE) | 6.7646% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.7646% | 2,181 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2814% | 1,389 |
| Assets per employee ($millions) | 4.6275% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 376 |
| Loan loss allowance to noncurrent loans | 981.2500% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 3,415 |
| Noncurrent loans to loans | 0.2230% | 3,920 |
| Net loans and leases to total assets | 32.4967% | 5,281 |
| Net loans and leases to deposits | 40.0133% | 5,243 |
| Net loans and leases to core deposits | 42.8752% | 5,219 |
| Total domestic deposits to total assets | 81.2148% | 3,940 |
| Equity capital to assets | 8.4479% | 4,984 |
| Core capital (leverage) ratio | 10.7138% | 2,792 |
| Tier 1 risk-based capital ratio | 20.7867% | 1,210 |
| Total risk-based capital ratio | 22.0348% | 1,185 |
| Memoranda: | ||
| Average total assets | $61,737,000 | 4,837 |
| Average earning assets | $57,901,000 | 4,818 |
| Average equity | $5,558,330 | 5,068 |
| Average total loans | $16,501,330 | 5,284 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0644% | 5,336 |
| Cost of funding earning assets | 0.2417% | 4,759 |
| Net interest margin | 2.8227% | 5,132 |
| Noninterest income to average assets | 0.5182% | 2,697 |
| Noninterest expense to average assets | 2.5310% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4650% | 4,779 |
| Return on assets (ROA) | 0.4650% | 4,783 |
| Pretax return on assets | 0.6244% | 4,632 |
| Return on Equity (ROE) | 4.9991% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.9991% | 3,173 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2105% | 1,110 |
| Assets per employee ($millions) | 3.9103% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3691% | 100 |
| Loan loss allowance to noncurrent loans | 1,962.5000% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 3,379 |
| Noncurrent loans to loans | 0.1717% | 4,209 |
| Net loans and leases to total assets | 23.0313% | 5,476 |
| Net loans and leases to deposits | 25.4268% | 5,494 |
| Net loans and leases to core deposits | 26.5012% | 5,492 |
| Total domestic deposits to total assets | 90.5788% | 449 |
| Equity capital to assets | 9.2251% | 4,337 |
| Core capital (leverage) ratio | 11.1744% | 2,264 |
| Tier 1 risk-based capital ratio | 23.1456% | 926 |
| Total risk-based capital ratio | 24.4012% | 899 |
| Memoranda: | ||
| Average total assets | $60,213,000 | 4,924 |
| Average earning assets | $56,259,000 | 4,903 |
| Average equity | $5,601,000 | 5,121 |
| Average total loans | $13,990,000 | 5,400 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,738 |
| Cost of funding earning assets | 0.2792% | 4,317 |
| Net interest margin | 3.2499% | 4,306 |
| Noninterest income to average assets | 0.4781% | 3,141 |
| Noninterest expense to average assets | 2.5441% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7489% | 3,396 |
| Return on assets (ROA) | 0.7489% | 3,435 |
| Pretax return on assets | 0.9695% | 3,674 |
| Return on Equity (ROE) | 7.4614% | 3,055 |
| Retained earnings to average equity (ytd only) | 2.4649% | 3,859 |
| Net charge-offs to loans | -0.0964% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4072% | 2,163 |
| Assets per employee ($millions) | 4.1181% | 3,785 |
| Cash dividends to net income (ytd only)* | 66.9643% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3643% | 95 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 3,525 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 21.9019% | 5,558 |
| Net loans and leases to deposits | 24.3327% | 5,569 |
| Net loans and leases to core deposits | 25.3181% | 5,569 |
| Total domestic deposits to total assets | 90.0099% | 564 |
| Equity capital to assets | 9.3749% | 4,357 |
| Core capital (leverage) ratio | 10.3917% | 2,975 |
| Tier 1 risk-based capital ratio | 25.7438% | 679 |
| Total risk-based capital ratio | 27.0008% | 667 |
| Memoranda: | ||
| Average total assets | $59,823,800 | 4,968 |
| Average earning assets | $55,878,400 | 4,953 |
| Average equity | $6,004,200 | 5,100 |
| Average total loans | $19,711,200 | 5,324 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 4,549 |
| Cost of funding earning assets | 0.2858% | 4,262 |
| Net interest margin | 3.3172% | 4,112 |
| Noninterest income to average assets | 0.4853% | 3,118 |
| Noninterest expense to average assets | 2.5503% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6831% | 4,061 |
| Return on assets (ROA) | 0.6831% | 4,124 |
| Pretax return on assets | 1.0381% | 3,530 |
| Return on Equity (ROE) | 6.6912% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.6912% | 1,847 |
| Net charge-offs to loans | -0.0378% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0708% | 2,352 |
| Assets per employee ($millions) | 4.1266% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9442% | 642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 3,674 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.3172% | 5,292 |
| Net loans and leases to deposits | 45.8477% | 5,260 |
| Net loans and leases to core deposits | 47.9014% | 5,260 |
| Total domestic deposits to total assets | 81.3939% | 3,950 |
| Equity capital to assets | 10.2344% | 3,657 |
| Core capital (leverage) ratio | 10.5992% | 2,883 |
| Tier 1 risk-based capital ratio | 21.3291% | 1,140 |
| Total risk-based capital ratio | 22.5797% | 1,124 |
| Memoranda: | ||
| Average total assets | $59,337,000 | 5,034 |
| Average earning assets | $55,507,500 | 5,019 |
| Average equity | $6,057,500 | 5,152 |
| Average total loans | $21,139,000 | 5,331 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4473% | 4,883 |
| Cost of funding earning assets | 0.2593% | 4,468 |
| Net interest margin | 3.1880% | 4,453 |
| Noninterest income to average assets | 0.4788% | 3,158 |
| Noninterest expense to average assets | 2.6127% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4925% | 4,724 |
| Return on assets (ROA) | 0.4925% | 4,760 |
| Pretax return on assets | 0.8515% | 4,092 |
| Return on Equity (ROE) | 4.8282% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.8282% | 2,826 |
| Net charge-offs to loans | -0.0590% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4195% | 1,806 |
| Assets per employee ($millions) | 3.9867% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 542 |
| Loan loss allowance to noncurrent loans | 5,725.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 3,606 |
| Noncurrent loans to loans | 0.0359% | 5,011 |
| Net loans and leases to total assets | 36.4749% | 5,361 |
| Net loans and leases to deposits | 43.6432% | 5,351 |
| Net loans and leases to core deposits | 45.6118% | 5,351 |
| Total domestic deposits to total assets | 83.5753% | 3,376 |
| Equity capital to assets | 10.4013% | 3,455 |
| Core capital (leverage) ratio | 10.8449% | 2,557 |
| Tier 1 risk-based capital ratio | 19.8551% | 1,393 |
| Total risk-based capital ratio | 21.1053% | 1,365 |
| Memoranda: | ||
| Average total assets | $58,483,000 | 5,091 |
| Average earning assets | $54,767,330 | 5,073 |
| Average equity | $5,965,000 | 5,200 |
| Average total loans | $20,333,000 | 5,399 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3055% | 5,092 |
| Cost of funding earning assets | 0.2451% | 4,577 |
| Net interest margin | 3.0604% | 4,765 |
| Noninterest income to average assets | 0.4911% | 3,036 |
| Noninterest expense to average assets | 2.6356% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3459% | 5,084 |
| Return on assets (ROA) | 0.3459% | 5,103 |
| Pretax return on assets | 0.7056% | 4,437 |
| Return on Equity (ROE) | 3.4261% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.4261% | 3,731 |
| Net charge-offs to loans | -0.0207% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8820% | 1,504 |
| Assets per employee ($millions) | 3.3502% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 390 |
| Loan loss allowance to noncurrent loans | 629.1667% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 3,164 |
| Noncurrent loans to loans | 0.3717% | 3,761 |
| Net loans and leases to total assets | 33.2134% | 5,492 |
| Net loans and leases to deposits | 37.3657% | 5,540 |
| Net loans and leases to core deposits | 39.2342% | 5,544 |
| Total domestic deposits to total assets | 88.8873% | 1,203 |
| Equity capital to assets | 10.4367% | 3,252 |
| Core capital (leverage) ratio | 10.8398% | 2,559 |
| Tier 1 risk-based capital ratio | 21.2126% | 1,192 |
| Total risk-based capital ratio | 22.4663% | 1,172 |
| Memoranda: | ||
| Average total assets | $57,824,500 | 5,155 |
| Average earning assets | $53,850,000 | 5,142 |
| Average equity | $5,837,500 | 5,263 |
| Average total loans | $19,364,500 | 5,487 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 4,500 |
| Cost of funding earning assets | 0.2601% | 4,464 |
| Net interest margin | 3.3423% | 4,023 |
| Noninterest income to average assets | 0.4622% | 3,468 |
| Noninterest expense to average assets | 2.5505% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7605% | 3,485 |
| Return on assets (ROA) | 0.7605% | 3,595 |
| Pretax return on assets | 1.0364% | 3,337 |
| Return on Equity (ROE) | 7.2400% | 3,342 |
| Retained earnings to average equity (ytd only) | 2.2327% | 4,263 |
| Net charge-offs to loans | 0.1933% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.6585% | 2,272 |
| Efficiency ratio | 71.1058% | 2,725 |
| Assets per employee ($millions) | 3.4527% | 4,824 |
| Cash dividends to net income (ytd only)* | 69.1610% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3347% | 383 |
| Loan loss allowance to noncurrent loans | 594.7368% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 3,207 |
| Noncurrent loans to loans | 0.3926% | 3,740 |
| Net loans and leases to total assets | 32.2134% | 5,591 |
| Net loans and leases to deposits | 35.9297% | 5,640 |
| Net loans and leases to core deposits | 37.6586% | 5,643 |
| Total domestic deposits to total assets | 89.6569% | 790 |
| Equity capital to assets | 9.7639% | 3,995 |
| Core capital (leverage) ratio | 10.2972% | 3,111 |
| Tier 1 risk-based capital ratio | 21.0808% | 1,194 |
| Total risk-based capital ratio | 22.3323% | 1,177 |
| Memoranda: | ||
| Average total assets | $57,989,000 | 5,192 |
| Average earning assets | $54,214,200 | 5,168 |
| Average equity | $6,091,200 | 5,265 |
| Average total loans | $21,213,400 | 5,480 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 4,583 |
| Cost of funding earning assets | 0.2610% | 4,497 |
| Net interest margin | 3.3291% | 4,098 |
| Noninterest income to average assets | 0.4520% | 3,550 |
| Noninterest expense to average assets | 2.5277% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6780% | 3,976 |
| Return on assets (ROA) | 0.6780% | 4,098 |
| Pretax return on assets | 1.0424% | 3,460 |
| Return on Equity (ROE) | 6.3416% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.2337% | 2,042 |
| Net charge-offs to loans | 0.3014% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.2247% | 2,690 |
| Efficiency ratio | 70.8010% | 2,775 |
| Assets per employee ($millions) | 3.4756% | 4,806 |
| Cash dividends to net income (ytd only)* | 1.7016% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 1,635 |
| Loan loss allowance to noncurrent loans | 942.5532% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 3,489 |
| Noncurrent loans to loans | 0.1634% | 4,701 |
| Net loans and leases to total assets | 47.9445% | 4,962 |
| Net loans and leases to deposits | 58.3253% | 4,863 |
| Net loans and leases to core deposits | 61.3731% | 4,866 |
| Total domestic deposits to total assets | 82.2019% | 3,877 |
| Equity capital to assets | 10.9402% | 3,074 |
| Core capital (leverage) ratio | 10.9284% | 2,530 |
| Tier 1 risk-based capital ratio | 18.7945% | 1,713 |
| Total risk-based capital ratio | 20.0459% | 1,677 |
| Memoranda: | ||
| Average total assets | $57,812,250 | 5,240 |
| Average earning assets | $54,147,000 | 5,212 |
| Average equity | $6,181,250 | 5,302 |
| Average total loans | $21,676,750 | 5,512 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3629% | 5,157 |
| Cost of funding earning assets | 0.2447% | 4,711 |
| Net interest margin | 3.1181% | 4,782 |
| Noninterest income to average assets | 0.4496% | 3,526 |
| Noninterest expense to average assets | 2.6417% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3729% | 5,116 |
| Return on assets (ROA) | 0.3729% | 5,203 |
| Pretax return on assets | 0.7388% | 4,499 |
| Return on Equity (ROE) | 3.5157% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.3514% | 3,767 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1443% | 1,764 |
| Assets per employee ($millions) | 3.4121% | 4,902 |
| Cash dividends to net income (ytd only)* | 4.6729% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0280% | 700 |
| Loan loss allowance to noncurrent loans | 72.8213% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.2413% | 1,651 |
| Noncurrent loans to loans | 2.7849% | 572 |
| Net loans and leases to total assets | 41.0603% | 5,376 |
| Net loans and leases to deposits | 48.9911% | 5,381 |
| Net loans and leases to core deposits | 51.5653% | 5,376 |
| Total domestic deposits to total assets | 83.8117% | 3,347 |
| Equity capital to assets | 10.8542% | 3,231 |
| Core capital (leverage) ratio | 11.0216% | 2,411 |
| Tier 1 risk-based capital ratio | 18.0458% | 1,917 |
| Total risk-based capital ratio | 19.2967% | 1,885 |
| Memoranda: | ||
| Average total assets | $57,388,000 | 5,306 |
| Average earning assets | $53,942,330 | 5,271 |
| Average equity | $6,087,000 | 5,370 |
| Average total loans | $19,312,000 | 5,659 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 5,344 |
| Cost of funding earning assets | 0.2310% | 4,890 |
| Net interest margin | 3.0545% | 4,987 |
| Noninterest income to average assets | 0.4345% | 3,580 |
| Noninterest expense to average assets | 2.6700% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2663% | 5,388 |
| Return on assets (ROA) | 0.2663% | 5,460 |
| Pretax return on assets | 0.6377% | 4,709 |
| Return on Equity (ROE) | 2.5407% | 5,372 |
| Retained earnings to average equity (ytd only) | 2.2064% | 4,377 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7203% | 1,524 |
| Assets per employee ($millions) | 3.5545% | 4,735 |
| Cash dividends to net income (ytd only)* | 13.1579% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9380% | 235 |
| Loan loss allowance to noncurrent loans | 191.8288% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 3,471 |
| Noncurrent loans to loans | 1.5316% | 1,527 |
| Net loans and leases to total assets | 28.6380% | 5,859 |
| Net loans and leases to deposits | 32.2413% | 5,895 |
| Net loans and leases to core deposits | 33.8663% | 5,894 |
| Total domestic deposits to total assets | 88.8240% | 1,191 |
| Equity capital to assets | 10.7487% | 3,204 |
| Core capital (leverage) ratio | 10.4799% | 2,990 |
| Tier 1 risk-based capital ratio | 21.1323% | 1,299 |
| Total risk-based capital ratio | 22.3881% | 1,270 |
| Memoranda: | ||
| Average total assets | $57,079,500 | 5,364 |
| Average earning assets | $53,690,500 | 5,325 |
| Average equity | $5,982,500 | 5,425 |
| Average total loans | $16,813,000 | 5,794 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5207% | 4,861 |
| Cost of funding earning assets | 0.2340% | 4,966 |
| Net interest margin | 3.2867% | 4,341 |
| Noninterest income to average assets | 0.4525% | 3,644 |
| Noninterest expense to average assets | 2.3975% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7712% | 3,461 |
| Return on assets (ROA) | 0.7845% | 3,478 |
| Pretax return on assets | 1.1605% | 2,809 |
| Return on Equity (ROE) | 8.3330% | 2,786 |
| Retained earnings to average equity (ytd only) | 3.2848% | 3,712 |
| Net charge-offs to loans | -0.0157% | 5,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7553% | 3,609 |
| Assets per employee ($millions) | 3.5804% | 4,676 |
| Cash dividends to net income (ytd only)* | 60.5809% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9265% | 247 |
| Loan loss allowance to noncurrent loans | 530.1075% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,570 |
| Noncurrent loans to loans | 0.5521% | 3,515 |
| Net loans and leases to total assets | 28.5457% | 5,931 |
| Net loans and leases to deposits | 32.0421% | 5,968 |
| Net loans and leases to core deposits | 33.6371% | 5,966 |
| Total domestic deposits to total assets | 89.0883% | 1,074 |
| Equity capital to assets | 10.2152% | 3,729 |
| Core capital (leverage) ratio | 9.9562% | 3,569 |
| Tier 1 risk-based capital ratio | 24.9886% | 814 |
| Total risk-based capital ratio | 26.2453% | 804 |
| Memoranda: | ||
| Average total assets | $61,438,600 | 5,285 |
| Average earning assets | $57,687,400 | 5,249 |
| Average equity | $5,784,200 | 5,486 |
| Average total loans | $19,164,800 | 5,751 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 5,055 |
| Cost of funding earning assets | 0.2318% | 5,075 |
| Net interest margin | 3.2356% | 4,562 |
| Noninterest income to average assets | 0.4524% | 3,693 |
| Noninterest expense to average assets | 2.4072% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6836% | 3,975 |
| Return on assets (ROA) | 0.7000% | 4,012 |
| Pretax return on assets | 1.1097% | 3,180 |
| Return on Equity (ROE) | 7.5828% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.3054% | 1,545 |
| Net charge-offs to loans | 0.0135% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 253.6779% | 273 |
| Efficiency ratio | 68.9487% | 3,385 |
| Assets per employee ($millions) | 4.0811% | 3,736 |
| Cash dividends to net income (ytd only)* | 3.6586% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 1,059 |
| Loan loss allowance to noncurrent loans | 231.2796% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 4,128 |
| Noncurrent loans to loans | 0.8247% | 2,908 |
| Net loans and leases to total assets | 38.4330% | 5,675 |
| Net loans and leases to deposits | 49.7187% | 5,484 |
| Net loans and leases to core deposits | 51.9113% | 5,505 |
| Total domestic deposits to total assets | 77.3010% | 5,296 |
| Equity capital to assets | 9.3602% | 4,928 |
| Core capital (leverage) ratio | 9.4951% | 4,309 |
| Tier 1 risk-based capital ratio | 21.3821% | 1,279 |
| Total risk-based capital ratio | 22.6370% | 1,261 |
| Memoranda: | ||
| Average total assets | $62,476,500 | 5,329 |
| Average earning assets | $58,679,000 | 5,284 |
| Average equity | $5,767,250 | 5,563 |
| Average total loans | $19,744,500 | 5,806 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2229% | 5,584 |
| Cost of funding earning assets | 0.2149% | 5,307 |
| Net interest margin | 3.0081% | 5,204 |
| Noninterest income to average assets | 0.4713% | 3,553 |
| Noninterest expense to average assets | 2.4603% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4198% | 5,081 |
| Return on assets (ROA) | 0.4323% | 5,132 |
| Pretax return on assets | 0.8515% | 4,126 |
| Return on Equity (ROE) | 4.7060% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.2814% | 3,300 |
| Net charge-offs to loans | 0.0225% | 3,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 489 |
| Efficiency ratio | 74.7285% | 2,571 |
| Assets per employee ($millions) | 3.8366% | 4,192 |
| Cash dividends to net income (ytd only)* | 9.0226% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2353% | 700 |
| Loan loss allowance to noncurrent loans | 225.9259% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 4,118 |
| Noncurrent loans to loans | 0.9894% | 2,665 |
| Net loans and leases to total assets | 34.7701% | 5,871 |
| Net loans and leases to deposits | 44.4713% | 5,745 |
| Net loans and leases to core deposits | 46.5437% | 5,742 |
| Total domestic deposits to total assets | 78.1856% | 5,239 |
| Equity capital to assets | 9.2252% | 4,988 |
| Core capital (leverage) ratio | 10.2035% | 3,333 |
| Tier 1 risk-based capital ratio | 28.8203% | 598 |
| Total risk-based capital ratio | 30.0832% | 590 |
| Memoranda: | ||
| Average total assets | $61,536,000 | 5,407 |
| Average earning assets | $57,711,330 | 5,373 |
| Average equity | $5,652,330 | 5,637 |
| Average total loans | $17,798,000 | 5,934 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9272% | 5,971 |
| Cost of funding earning assets | 0.2076% | 5,436 |
| Net interest margin | 2.7196% | 5,774 |
| Noninterest income to average assets | 0.4674% | 3,518 |
| Noninterest expense to average assets | 2.3372% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2597% | 5,535 |
| Return on assets (ROA) | 0.2597% | 5,628 |
| Pretax return on assets | 0.6817% | 4,648 |
| Return on Equity (ROE) | 2.8334% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.8334% | 4,270 |
| Net charge-offs to loans | 0.0253% | 2,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 477 |
| Efficiency ratio | 77.4194% | 2,280 |
| Assets per employee ($millions) | 3.6096% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0105% | 293 |
| Loan loss allowance to noncurrent loans | 191.0156% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 3,560 |
| Noncurrent loans to loans | 1.5761% | 1,774 |
| Net loans and leases to total assets | 27.2778% | 6,162 |
| Net loans and leases to deposits | 31.4790% | 6,172 |
| Net loans and leases to core deposits | 32.6779% | 6,172 |
| Total domestic deposits to total assets | 86.6537% | 2,572 |
| Equity capital to assets | 10.1240% | 3,979 |
| Core capital (leverage) ratio | 10.1061% | 3,464 |
| Tier 1 risk-based capital ratio | 19.9647% | 1,629 |
| Total risk-based capital ratio | 21.6264% | 1,519 |
| Memoranda: | ||
| Average total assets | $61,611,000 | 5,462 |
| Average earning assets | $57,803,500 | 5,428 |
| Average equity | $5,647,000 | 5,691 |
| Average total loans | $15,781,000 | 6,058 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 5,096 |
| Cost of funding earning assets | 0.2509% | 5,314 |
| Net interest margin | 3.3430% | 4,427 |
| Noninterest income to average assets | 0.5344% | 3,276 |
| Noninterest expense to average assets | 2.3826% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8398% | 3,179 |
| Return on assets (ROA) | 0.8529% | 3,201 |
| Pretax return on assets | 1.2939% | 2,259 |
| Return on Equity (ROE) | 10.9672% | 1,729 |
| Retained earnings to average equity (ytd only) | 5.4540% | 2,291 |
| Net charge-offs to loans | -0.0102% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1591% | 4,383 |
| Assets per employee ($millions) | 4.0918% | 3,736 |
| Cash dividends to net income (ytd only)* | 50.2693% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1986% | 241 |
| Loan loss allowance to noncurrent loans | 563.2184% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 4,769 |
| Noncurrent loans to loans | 0.5679% | 3,966 |
| Net loans and leases to total assets | 22.6508% | 6,336 |
| Net loans and leases to deposits | 26.6435% | 6,335 |
| Net loans and leases to core deposits | 27.5483% | 6,337 |
| Total domestic deposits to total assets | 85.0141% | 3,277 |
| Equity capital to assets | 8.3201% | 5,882 |
| Core capital (leverage) ratio | 9.0073% | 4,994 |
| Tier 1 risk-based capital ratio | 22.7743% | 1,111 |
| Total risk-based capital ratio | 24.0311% | 1,094 |
| Memoranda: | ||
| Average total assets | $65,307,400 | 5,414 |
| Average earning assets | $60,992,600 | 5,372 |
| Average equity | $5,078,800 | 5,836 |
| Average total loans | $19,574,400 | 5,978 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6360% | 5,049 |
| Cost of funding earning assets | 0.2583% | 5,327 |
| Net interest margin | 3.3777% | 4,326 |
| Noninterest income to average assets | 0.5454% | 3,228 |
| Noninterest expense to average assets | 2.3227% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9859% | 2,516 |
| Return on assets (ROA) | 1.0051% | 2,494 |
| Pretax return on assets | 1.4014% | 2,002 |
| Return on Equity (ROE) | 13.1545% | 1,185 |
| Retained earnings to average equity (ytd only) | 13.1545% | 314 |
| Net charge-offs to loans | -0.0064% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8177% | 4,759 |
| Assets per employee ($millions) | 4.3100% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 1,497 |
| Loan loss allowance to noncurrent loans | 269.2308% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 4,464 |
| Noncurrent loans to loans | 0.6990% | 3,860 |
| Net loans and leases to total assets | 37.0461% | 5,990 |
| Net loans and leases to deposits | 51.8447% | 5,538 |
| Net loans and leases to core deposits | 53.4904% | 5,594 |
| Total domestic deposits to total assets | 71.4559% | 6,205 |
| Equity capital to assets | 7.9292% | 6,167 |
| Core capital (leverage) ratio | 8.8273% | 5,298 |
| Tier 1 risk-based capital ratio | 18.1586% | 2,161 |
| Total risk-based capital ratio | 19.3800% | 2,131 |
| Memoranda: | ||
| Average total assets | $65,267,250 | 5,474 |
| Average earning assets | $60,908,000 | 5,431 |
| Average equity | $4,986,750 | 5,916 |
| Average total loans | $20,638,250 | 6,000 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4481% | 5,526 |
| Cost of funding earning assets | 0.2451% | 5,531 |
| Net interest margin | 3.2030% | 4,938 |
| Noninterest income to average assets | 0.5466% | 3,156 |
| Noninterest expense to average assets | 2.3768% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7603% | 3,513 |
| Return on assets (ROA) | 0.7871% | 3,493 |
| Pretax return on assets | 1.1899% | 2,704 |
| Return on Equity (ROE) | 10.4427% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.4427% | 626 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4048% | 4,132 |
| Assets per employee ($millions) | 4.1419% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1350% | 1,114 |
| Loan loss allowance to noncurrent loans | 257.3684% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 4,483 |
| Noncurrent loans to loans | 0.8295% | 3,627 |
| Net loans and leases to total assets | 33.8232% | 6,157 |
| Net loans and leases to deposits | 45.0979% | 5,933 |
| Net loans and leases to core deposits | 46.5273% | 5,971 |
| Total domestic deposits to total assets | 74.9996% | 6,025 |
| Equity capital to assets | 7.9522% | 6,182 |
| Core capital (leverage) ratio | 9.2285% | 4,697 |
| Tier 1 risk-based capital ratio | 17.5333% | 2,401 |
| Total risk-based capital ratio | 18.7856% | 2,377 |
| Memoranda: | ||
| Average total assets | $64,036,330 | 5,561 |
| Average earning assets | $59,569,670 | 5,515 |
| Average equity | $4,826,330 | 6,000 |
| Average total loans | $18,838,670 | 6,120 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 5,723 |
| Cost of funding earning assets | 0.2407% | 5,670 |
| Net interest margin | 3.1219% | 5,170 |
| Noninterest income to average assets | 0.5340% | 3,156 |
| Noninterest expense to average assets | 2.4794% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5574% | 4,423 |
| Return on assets (ROA) | 0.6103% | 4,230 |
| Pretax return on assets | 1.0235% | 3,236 |
| Return on Equity (ROE) | 8.3397% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.3397% | 1,477 |
| Net charge-offs to loans | 0.0238% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 332 |
| Efficiency ratio | 72.4907% | 3,404 |
| Assets per employee ($millions) | 3.5490% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8024% | 541 |
| Loan loss allowance to noncurrent loans | 140.7514% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8171% | 3,694 |
| Noncurrent loans to loans | 1.9910% | 1,875 |
| Net loans and leases to total assets | 27.9963% | 6,416 |
| Net loans and leases to deposits | 31.1924% | 6,451 |
| Net loans and leases to core deposits | 31.3516% | 6,473 |
| Total domestic deposits to total assets | 89.7535% | 1,205 |
| Equity capital to assets | 7.9492% | 6,091 |
| Core capital (leverage) ratio | 9.1173% | 4,843 |
| Tier 1 risk-based capital ratio | 22.6088% | 1,192 |
| Total risk-based capital ratio | 23.8684% | 1,174 |
| Memoranda: | ||
| Average total assets | $62,919,000 | 5,644 |
| Average earning assets | $58,170,000 | 5,607 |
| Average equity | $4,604,500 | 6,097 |
| Average total loans | $16,806,000 | 6,268 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 5,440 |
| Cost of funding earning assets | 0.3239% | 5,388 |
| Net interest margin | 3.2635% | 4,794 |
| Noninterest income to average assets | 0.5399% | 3,480 |
| Noninterest expense to average assets | 2.2924% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8988% | 2,792 |
| Return on assets (ROA) | 0.8988% | 2,879 |
| Pretax return on assets | 1.2864% | 2,211 |
| Return on Equity (ROE) | 11.8934% | 1,451 |
| Retained earnings to average equity (ytd only) | 6.4057% | 1,735 |
| Net charge-offs to loans | 0.1788% | 3,036 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 23.6944% | 1,401 |
| Efficiency ratio | 64.0539% | 4,882 |
| Assets per employee ($millions) | 3.8532% | 4,154 |
| Cash dividends to net income (ytd only)* | 46.1409% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0060% | 462 |
| Loan loss allowance to noncurrent loans | 191.3725% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 4,400 |
| Noncurrent loans to loans | 1.5708% | 2,542 |
| Net loans and leases to total assets | 24.0379% | 6,604 |
| Net loans and leases to deposits | 25.9253% | 6,640 |
| Net loans and leases to core deposits | 26.1674% | 6,645 |
| Total domestic deposits to total assets | 92.7196% | 167 |
| Equity capital to assets | 6.7369% | 6,526 |
| Core capital (leverage) ratio | 8.2673% | 5,911 |
| Tier 1 risk-based capital ratio | 21.3244% | 1,364 |
| Total risk-based capital ratio | 22.5829% | 1,342 |
| Memoranda: | ||
| Average total assets | $66,307,200 | 5,584 |
| Average earning assets | $61,743,200 | 5,545 |
| Average equity | $5,011,200 | 6,065 |
| Average total loans | $20,136,600 | 6,195 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 5,585 |
| Cost of funding earning assets | 0.3429% | 5,359 |
| Net interest margin | 3.2041% | 4,987 |
| Noninterest income to average assets | 0.5353% | 3,556 |
| Noninterest expense to average assets | 2.2714% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9562% | 2,552 |
| Return on assets (ROA) | 0.9562% | 2,657 |
| Pretax return on assets | 1.2610% | 2,475 |
| Return on Equity (ROE) | 12.3234% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.3234% | 386 |
| Net charge-offs to loans | 0.2842% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.9775% | 1,978 |
| Efficiency ratio | 64.3019% | 4,753 |
| Assets per employee ($millions) | 4.2171% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7231% | 2,548 |
| Loan loss allowance to noncurrent loans | 138.0403% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 4,746 |
| Noncurrent loans to loans | 1.2482% | 3,315 |
| Net loans and leases to total assets | 38.1080% | 6,167 |
| Net loans and leases to deposits | 48.8800% | 5,914 |
| Net loans and leases to core deposits | 49.3756% | 6,047 |
| Total domestic deposits to total assets | 77.9624% | 5,910 |
| Equity capital to assets | 6.8168% | 6,588 |
| Core capital (leverage) ratio | 8.2654% | 6,003 |
| Tier 1 risk-based capital ratio | 16.1409% | 3,106 |
| Total risk-based capital ratio | 17.3920% | 3,069 |
| Memoranda: | ||
| Average total assets | $66,507,750 | 5,636 |
| Average earning assets | $62,209,500 | 5,589 |
| Average equity | $5,160,750 | 6,100 |
| Average total loans | $21,112,250 | 6,208 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2829% | 6,114 |
| Cost of funding earning assets | 0.3651% | 5,263 |
| Net interest margin | 2.9178% | 5,759 |
| Noninterest income to average assets | 0.5218% | 3,690 |
| Noninterest expense to average assets | 2.3341% | 5,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7255% | 3,692 |
| Return on assets (ROA) | 0.7255% | 3,859 |
| Pretax return on assets | 0.9262% | 3,798 |
| Return on Equity (ROE) | 8.9490% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.9490% | 1,138 |
| Net charge-offs to loans | 0.4766% | 1,387 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,675 |
| Efficiency ratio | 71.5909% | 3,542 |
| Assets per employee ($millions) | 3.8879% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 1,538 |
| Loan loss allowance to noncurrent loans | 152.5478% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 4,834 |
| Noncurrent loans to loans | 1.4054% | 3,185 |
| Net loans and leases to total assets | 33.0781% | 6,455 |
| Net loans and leases to deposits | 39.7401% | 6,416 |
| Net loans and leases to core deposits | 40.1480% | 6,465 |
| Total domestic deposits to total assets | 83.2363% | 4,615 |
| Equity capital to assets | 7.2093% | 6,541 |
| Core capital (leverage) ratio | 8.3884% | 5,779 |
| Tier 1 risk-based capital ratio | 18.0973% | 2,286 |
| Total risk-based capital ratio | 19.3510% | 2,244 |
| Memoranda: | ||
| Average total assets | $64,780,000 | 5,730 |
| Average earning assets | $60,799,670 | 5,669 |
| Average equity | $5,252,000 | 6,111 |
| Average total loans | $18,883,330 | 6,358 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0861% | 6,413 |
| Cost of funding earning assets | 0.3982% | 5,121 |
| Net interest margin | 2.6879% | 6,234 |
| Noninterest income to average assets | 0.5302% | 3,570 |
| Noninterest expense to average assets | 2.4204% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4491% | 4,913 |
| Return on assets (ROA) | 0.4491% | 5,075 |
| Pretax return on assets | 0.6363% | 4,816 |
| Return on Equity (ROE) | 5.2407% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.2407% | 3,086 |
| Net charge-offs to loans | 1.0493% | 581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 3,087 |
| Efficiency ratio | 79.1837% | 2,441 |
| Assets per employee ($millions) | 3.9406% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8214% | 803 |
| Loan loss allowance to noncurrent loans | 148.6068% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 4,871 |
| Noncurrent loans to loans | 1.8985% | 2,740 |
| Net loans and leases to total assets | 26.2220% | 6,723 |
| Net loans and leases to deposits | 29.1356% | 6,766 |
| Net loans and leases to core deposits | 29.4244% | 6,777 |
| Total domestic deposits to total assets | 90.0000% | 1,053 |
| Equity capital to assets | 8.7232% | 5,790 |
| Core capital (leverage) ratio | 8.2488% | 5,880 |
| Tier 1 risk-based capital ratio | 21.1430% | 1,505 |
| Total risk-based capital ratio | 22.4014% | 1,475 |
| Memoranda: | ||
| Average total assets | $64,122,500 | 5,802 |
| Average earning assets | $60,269,500 | 5,742 |
| Average equity | $5,495,500 | 6,103 |
| Average total loans | $17,154,000 | 6,479 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 4,905 |
| Cost of funding earning assets | 0.6015% | 4,342 |
| Net interest margin | 3.5096% | 4,459 |
| Noninterest income to average assets | 0.5090% | 3,838 |
| Noninterest expense to average assets | 2.6047% | 4,727 |
| Loan and lease loss provision to assets | 0.0126% | 5,754 |
| Net operating income to assets | 0.7799% | 3,372 |
| Return on assets (ROA) | 0.7996% | 3,540 |
| Pretax return on assets | 1.2034% | 2,799 |
| Return on Equity (ROE) | 9.2623% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.0761% | 3,348 |
| Net charge-offs to loans | 0.0043% | 5,916 |
| Credit loss provision to net charge-offs | 800.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 755.0000% | 50 |
| Efficiency ratio | 68.7111% | 4,016 |
| Assets per employee ($millions) | 3.8350% | 4,297 |
| Cash dividends to net income (ytd only)* | 55.9921% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0298% | 643 |
| Loan loss allowance to noncurrent loans | 302.8902% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 5,618 |
| Noncurrent loans to loans | 1.0003% | 4,189 |
| Net loans and leases to total assets | 25.7244% | 6,815 |
| Net loans and leases to deposits | 28.2745% | 6,864 |
| Net loans and leases to core deposits | 28.9135% | 6,866 |
| Total domestic deposits to total assets | 90.9809% | 501 |
| Equity capital to assets | 8.4224% | 6,108 |
| Core capital (leverage) ratio | 7.9683% | 6,227 |
| Tier 1 risk-based capital ratio | 20.1206% | 1,643 |
| Total risk-based capital ratio | 21.3808% | 1,617 |
| Memoranda: | ||
| Average total assets | $63,654,000 | 5,831 |
| Average earning assets | $59,521,800 | 5,766 |
| Average equity | $5,495,400 | 6,149 |
| Average total loans | $23,274,200 | 6,278 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 4,586 |
| Cost of funding earning assets | 0.6267% | 4,396 |
| Net interest margin | 3.6408% | 4,053 |
| Noninterest income to average assets | 0.5058% | 3,889 |
| Noninterest expense to average assets | 2.6089% | 4,710 |
| Loan and lease loss provision to assets | 0.0169% | 5,595 |
| Net operating income to assets | 1.0474% | 2,292 |
| Return on assets (ROA) | 1.0474% | 2,509 |
| Pretax return on assets | 1.2834% | 2,663 |
| Return on Equity (ROE) | 12.0559% | 1,617 |
| Retained earnings to average equity (ytd only) | 12.0559% | 520 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7385% | 4,299 |
| Assets per employee ($millions) | 3.4613% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 3,097 |
| Loan loss allowance to noncurrent loans | 248.8152% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 5,588 |
| Noncurrent loans to loans | 0.6893% | 5,062 |
| Net loans and leases to total assets | 48.2858% | 5,512 |
| Net loans and leases to deposits | 57.1244% | 5,519 |
| Net loans and leases to core deposits | 58.5930% | 5,697 |
| Total domestic deposits to total assets | 84.5275% | 3,965 |
| Equity capital to assets | 9.2771% | 5,497 |
| Core capital (leverage) ratio | 8.6793% | 5,502 |
| Tier 1 risk-based capital ratio | 15.1447% | 3,742 |
| Total risk-based capital ratio | 16.3978% | 3,695 |
| Memoranda: | ||
| Average total assets | $63,268,750 | 5,905 |
| Average earning assets | $59,143,250 | 5,840 |
| Average equity | $5,496,500 | 6,219 |
| Average total loans | $24,769,000 | 6,290 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 5,870 |
| Cost of funding earning assets | 0.6539% | 4,405 |
| Net interest margin | 3.2630% | 5,558 |
| Noninterest income to average assets | 0.5095% | 3,862 |
| Noninterest expense to average assets | 2.6356% | 4,667 |
| Loan and lease loss provision to assets | 0.0252% | 5,350 |
| Net operating income to assets | 0.7139% | 3,790 |
| Return on assets (ROA) | 0.7139% | 4,059 |
| Pretax return on assets | 0.8932% | 4,104 |
| Return on Equity (ROE) | 8.4043% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.4043% | 1,482 |
| Net charge-offs to loans | -0.0088% | 6,261 |
| Credit loss provision to net charge-offs | -800.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1593% | 3,049 |
| Assets per employee ($millions) | 3.3551% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,900 |
| Loan loss allowance to noncurrent loans | 320.7317% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 5,852 |
| Noncurrent loans to loans | 0.5568% | 5,403 |
| Net loans and leases to total assets | 47.8995% | 5,626 |
| Net loans and leases to deposits | 53.9502% | 5,870 |
| Net loans and leases to core deposits | 55.3076% | 5,999 |
| Total domestic deposits to total assets | 88.7848% | 1,650 |
| Equity capital to assets | 9.1736% | 5,491 |
| Core capital (leverage) ratio | 8.7075% | 5,368 |
| Tier 1 risk-based capital ratio | 15.8528% | 3,243 |
| Total risk-based capital ratio | 17.1084% | 3,209 |
| Memoranda: | ||
| Average total assets | $63,590,330 | 5,929 |
| Average earning assets | $59,332,000 | 5,865 |
| Average equity | $5,402,000 | 6,263 |
| Average total loans | $22,822,330 | 6,425 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 6,626 |
| Cost of funding earning assets | 0.7058% | 4,228 |
| Net interest margin | 2.8497% | 6,554 |
| Noninterest income to average assets | 0.5154% | 3,811 |
| Noninterest expense to average assets | 2.5403% | 5,023 |
| Loan and lease loss provision to assets | 0.0491% | 4,794 |
| Net operating income to assets | 0.4356% | 5,105 |
| Return on assets (ROA) | 0.4356% | 5,290 |
| Pretax return on assets | 0.5768% | 5,196 |
| Return on Equity (ROE) | 5.3253% | 4,630 |
| Retained earnings to average equity (ytd only) | 5.3253% | 3,366 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2326% | 2,172 |
| Assets per employee ($millions) | 3.4633% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6106% | 1,210 |
| Loan loss allowance to noncurrent loans | 372.3404% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 6,081 |
| Noncurrent loans to loans | 0.7011% | 5,259 |
| Net loans and leases to total assets | 31.4169% | 6,857 |
| Net loans and leases to deposits | 34.5805% | 6,934 |
| Net loans and leases to core deposits | 34.9264% | 6,968 |
| Total domestic deposits to total assets | 90.8516% | 618 |
| Equity capital to assets | 8.5580% | 6,032 |
| Core capital (leverage) ratio | 7.5420% | 6,609 |
| Tier 1 risk-based capital ratio | 17.4640% | 2,492 |
| Total risk-based capital ratio | 18.7210% | 2,456 |
| Memoranda: | ||
| Average total assets | $65,190,000 | 5,911 |
| Average earning assets | $60,638,500 | 5,850 |
| Average equity | $5,333,000 | 6,321 |
| Average total loans | $19,507,000 | 6,637 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 3,943 |
| Cost of funding earning assets | 0.7781% | 5,014 |
| Net interest margin | 3.9911% | 2,928 |
| Noninterest income to average assets | 0.6821% | 2,708 |
| Noninterest expense to average assets | 2.8903% | 3,996 |
| Loan and lease loss provision to assets | 0.1603% | 4,626 |
| Net operating income to assets | 0.8797% | 2,692 |
| Return on assets (ROA) | 0.8833% | 2,809 |
| Pretax return on assets | 1.3178% | 2,060 |
| Return on Equity (ROE) | 9.3776% | 2,295 |
| Retained earnings to average equity (ytd only) | 3.7057% | 3,573 |
| Net charge-offs to loans | 0.0087% | 6,307 |
| Credit loss provision to net charge-offs | 4,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 413.5000% | 82 |
| Efficiency ratio | 66.2449% | 4,718 |
| Assets per employee ($millions) | 3.7801% | 4,369 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7349% | 1,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 6,734 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 27.0234% | 7,089 |
| Net loans and leases to deposits | 29.7068% | 7,139 |
| Net loans and leases to core deposits | 29.8413% | 7,158 |
| Total domestic deposits to total assets | 90.9672% | 521 |
| Equity capital to assets | 7.8350% | 6,667 |
| Core capital (leverage) ratio | 9.1235% | 4,584 |
| Tier 1 risk-based capital ratio | 18.2846% | 2,111 |
| Total risk-based capital ratio | 19.5427% | 2,072 |
| Memoranda: | ||
| Average total assets | $56,153,200 | 6,157 |
| Average earning assets | $51,789,800 | 6,129 |
| Average equity | $5,289,200 | 6,353 |
| Average total loans | $22,920,800 | 6,512 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 2,912 |
| Cost of funding earning assets | 0.8410% | 4,844 |
| Net interest margin | 4.1943% | 2,126 |
| Noninterest income to average assets | 0.6468% | 2,903 |
| Noninterest expense to average assets | 2.9584% | 3,715 |
| Loan and lease loss provision to assets | 0.1003% | 5,202 |
| Net operating income to assets | 1.1748% | 1,730 |
| Return on assets (ROA) | 1.1808% | 1,827 |
| Pretax return on assets | 1.4716% | 1,731 |
| Return on Equity (ROE) | 11.8964% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.8964% | 511 |
| Net charge-offs to loans | 0.0167% | 5,918 |
| Credit loss provision to net charge-offs | 1,333.3333% | 204 |
| Earnings coverage of net charge-offs (x) | 207.9950% | 187 |
| Efficiency ratio | 65.4102% | 4,824 |
| Assets per employee ($millions) | 3.0529% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,924 |
| Loan loss allowance to noncurrent loans | 517.7778% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 5,198 |
| Noncurrent loans to loans | 0.2971% | 6,254 |
| Net loans and leases to total assets | 51.4257% | 5,522 |
| Net loans and leases to deposits | 68.6678% | 4,489 |
| Net loans and leases to core deposits | 69.1117% | 5,050 |
| Total domestic deposits to total assets | 74.8905% | 6,653 |
| Equity capital to assets | 9.7990% | 4,622 |
| Core capital (leverage) ratio | 9.4750% | 4,185 |
| Tier 1 risk-based capital ratio | 13.6033% | 4,645 |
| Total risk-based capital ratio | 14.6863% | 4,753 |
| Memoranda: | ||
| Average total assets | $53,181,250 | 6,306 |
| Average earning assets | $49,144,250 | 6,280 |
| Average equity | $5,278,750 | 6,409 |
| Average total loans | $23,925,000 | 6,536 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 3,902 |
| Cost of funding earning assets | 0.8699% | 4,905 |
| Net interest margin | 3.9713% | 2,985 |
| Noninterest income to average assets | 0.6593% | 2,761 |
| Noninterest expense to average assets | 2.9550% | 3,812 |
| Loan and lease loss provision to assets | 0.0388% | 5,829 |
| Net operating income to assets | 1.0333% | 2,094 |
| Return on assets (ROA) | 1.0393% | 2,168 |
| Pretax return on assets | 1.3379% | 2,006 |
| Return on Equity (ROE) | 10.4206% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.4206% | 761 |
| Net charge-offs to loans | 0.0183% | 5,581 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 207 |
| Efficiency ratio | 68.3408% | 4,456 |
| Assets per employee ($millions) | 2.9366% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 3,096 |
| Loan loss allowance to noncurrent loans | 568.8312% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 5,197 |
| Noncurrent loans to loans | 0.3109% | 6,297 |
| Net loans and leases to total assets | 46.0195% | 6,269 |
| Net loans and leases to deposits | 55.3911% | 6,190 |
| Net loans and leases to core deposits | 55.3911% | 6,462 |
| Total domestic deposits to total assets | 83.0811% | 4,721 |
| Equity capital to assets | 10.3466% | 3,694 |
| Core capital (leverage) ratio | 9.9189% | 3,365 |
| Tier 1 risk-based capital ratio | 15.9275% | 3,013 |
| Total risk-based capital ratio | 17.1804% | 2,984 |
| Memoranda: | ||
| Average total assets | $51,573,000 | 6,428 |
| Average earning assets | $47,591,000 | 6,377 |
| Average equity | $5,143,670 | 6,485 |
| Average total loans | $21,801,330 | 6,693 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 4,640 |
| Cost of funding earning assets | 0.9037% | 4,891 |
| Net interest margin | 3.7683% | 3,765 |
| Noninterest income to average assets | 0.6362% | 2,924 |
| Noninterest expense to average assets | 2.9609% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9503% | 2,356 |
| Return on assets (ROA) | 0.9503% | 2,422 |
| Pretax return on assets | 1.1467% | 2,580 |
| Return on Equity (ROE) | 9.7169% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.7169% | 1,175 |
| Net charge-offs to loans | 0.0197% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 213 |
| Efficiency ratio | 72.0841% | 3,845 |
| Assets per employee ($millions) | 2.8271% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 2,302 |
| Loan loss allowance to noncurrent loans | 403.7736% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 5,037 |
| Noncurrent loans to loans | 0.5065% | 6,008 |
| Net loans and leases to total assets | 40.2865% | 6,757 |
| Net loans and leases to deposits | 45.4860% | 6,881 |
| Net loans and leases to core deposits | 45.4860% | 6,992 |
| Total domestic deposits to total assets | 88.5690% | 2,036 |
| Equity capital to assets | 9.8727% | 3,932 |
| Core capital (leverage) ratio | 9.7402% | 3,470 |
| Tier 1 risk-based capital ratio | 18.3924% | 1,989 |
| Total risk-based capital ratio | 19.6476% | 1,940 |
| Memoranda: | ||
| Average total assets | $50,930,500 | 6,502 |
| Average earning assets | $46,917,500 | 6,457 |
| Average equity | $4,981,000 | 6,570 |
| Average total loans | $20,320,500 | 6,821 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 3,502 |
| Cost of funding earning assets | 0.9712% | 5,833 |
| Net interest margin | 4.2508% | 1,991 |
| Noninterest income to average assets | 0.6642% | 3,052 |
| Noninterest expense to average assets | 3.1870% | 3,140 |
| Loan and lease loss provision to assets | 0.3646% | 3,926 |
| Net operating income to assets | 0.7079% | 3,202 |
| Return on assets (ROA) | 0.7135% | 3,307 |
| Pretax return on assets | 1.0111% | 2,900 |
| Return on Equity (ROE) | 7.0844% | 3,076 |
| Retained earnings to average equity (ytd only) | 1.6048% | 4,720 |
| Net charge-offs to loans | 0.0700% | 6,101 |
| Credit loss provision to net charge-offs | 1,156.2500% | 200 |
| Earnings coverage of net charge-offs (x) | 43.3750% | 538 |
| Efficiency ratio | 69.9697% | 4,188 |
| Assets per employee ($millions) | 2.8318% | 6,473 |
| Cash dividends to net income (ytd only)* | 77.3481% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1763% | 1,915 |
| Loan loss allowance to noncurrent loans | 476.6667% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.8966% | 5,225 |
| Noncurrent loans to loans | 0.4566% | 6,134 |
| Net loans and leases to total assets | 37.8298% | 7,078 |
| Net loans and leases to deposits | 42.5138% | 7,168 |
| Net loans and leases to core deposits | 42.5138% | 7,243 |
| Total domestic deposits to total assets | 88.9824% | 1,673 |
| Equity capital to assets | 9.6875% | 4,155 |
| Core capital (leverage) ratio | 9.3549% | 3,919 |
| Tier 1 risk-based capital ratio | 18.6258% | 1,810 |
| Total risk-based capital ratio | 19.8825% | 1,780 |
| Memoranda: | ||
| Average total assets | $50,738,000 | 6,503 |
| Average earning assets | $46,438,400 | 6,498 |
| Average equity | $5,109,800 | 6,633 |
| Average total loans | $22,843,400 | 6,786 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 3,036 |
| Cost of funding earning assets | 0.9816% | 6,027 |
| Net interest margin | 4.3871% | 1,560 |
| Noninterest income to average assets | 0.6630% | 3,054 |
| Noninterest expense to average assets | 3.2780% | 2,647 |
| Loan and lease loss provision to assets | 0.1973% | 5,064 |
| Net operating income to assets | 0.9954% | 2,246 |
| Return on assets (ROA) | 0.9997% | 2,353 |
| Pretax return on assets | 1.2023% | 2,478 |
| Return on Equity (ROE) | 9.8326% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.8326% | 836 |
| Net charge-offs to loans | 0.0169% | 6,444 |
| Credit loss provision to net charge-offs | 2,500.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 176.6625% | 184 |
| Efficiency ratio | 70.1577% | 4,034 |
| Assets per employee ($millions) | 3.0866% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,858 |
| Loan loss allowance to noncurrent loans | 319.2308% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 5,182 |
| Noncurrent loans to loans | 0.3506% | 6,497 |
| Net loans and leases to total assets | 55.8916% | 5,557 |
| Net loans and leases to deposits | 68.9438% | 5,286 |
| Net loans and leases to core deposits | 68.9438% | 5,849 |
| Total domestic deposits to total assets | 81.0684% | 5,338 |
| Equity capital to assets | 10.4454% | 3,579 |
| Core capital (leverage) ratio | 9.9483% | 3,299 |
| Tier 1 risk-based capital ratio | 15.8709% | 2,825 |
| Total risk-based capital ratio | 16.9009% | 2,887 |
| Memoranda: | ||
| Average total assets | $50,679,250 | 6,585 |
| Average earning assets | $46,316,750 | 6,583 |
| Average equity | $5,152,750 | 6,702 |
| Average total loans | $23,626,250 | 6,836 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 4,445 |
| Cost of funding earning assets | 0.9967% | 6,161 |
| Net interest margin | 4.1049% | 2,535 |
| Noninterest income to average assets | 0.6230% | 3,169 |
| Noninterest expense to average assets | 3.1748% | 2,989 |
| Loan and lease loss provision to assets | 0.2396% | 4,520 |
| Net operating income to assets | 0.7564% | 3,164 |
| Return on assets (ROA) | 0.7628% | 3,292 |
| Pretax return on assets | 0.9664% | 3,253 |
| Return on Equity (ROE) | 7.5744% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.5744% | 1,603 |
| Net charge-offs to loans | 0.0278% | 5,942 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 327 |
| Efficiency ratio | 72.6027% | 3,725 |
| Assets per employee ($millions) | 2.5918% | 6,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 5,154 |
| Loan loss allowance to noncurrent loans | 324.4898% | 910 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 5,004 |
| Noncurrent loans to loans | 0.3867% | 6,464 |
| Net loans and leases to total assets | 50.8214% | 6,329 |
| Net loans and leases to deposits | 59.3789% | 6,472 |
| Net loans and leases to core deposits | 59.3789% | 6,751 |
| Total domestic deposits to total assets | 85.5884% | 3,322 |
| Equity capital to assets | 10.6021% | 3,277 |
| Core capital (leverage) ratio | 10.0297% | 3,131 |
| Tier 1 risk-based capital ratio | 16.3443% | 2,534 |
| Total risk-based capital ratio | 17.3994% | 2,566 |
| Memoranda: | ||
| Average total assets | $50,081,330 | 6,645 |
| Average earning assets | $45,750,330 | 6,643 |
| Average equity | $5,043,330 | 6,767 |
| Average total loans | $21,615,000 | 6,987 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 5,677 |
| Cost of funding earning assets | 1.0157% | 6,297 |
| Net interest margin | 3.8372% | 3,637 |
| Noninterest income to average assets | 0.5861% | 3,366 |
| Noninterest expense to average assets | 3.0099% | 3,643 |
| Loan and lease loss provision to assets | 0.2376% | 4,144 |
| Net operating income to assets | 0.6416% | 3,701 |
| Return on assets (ROA) | 0.6416% | 3,818 |
| Pretax return on assets | 0.8396% | 3,709 |
| Return on Equity (ROE) | 6.5395% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.5395% | 2,353 |
| Net charge-offs to loans | 0.0203% | 5,303 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 243 |
| Efficiency ratio | 73.6434% | 3,629 |
| Assets per employee ($millions) | 2.5864% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 4,172 |
| Loan loss allowance to noncurrent loans | 294.8980% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 5,007 |
| Noncurrent loans to loans | 0.4911% | 6,315 |
| Net loans and leases to total assets | 40.0175% | 7,248 |
| Net loans and leases to deposits | 44.9856% | 7,369 |
| Net loans and leases to core deposits | 44.9856% | 7,454 |
| Total domestic deposits to total assets | 88.9563% | 1,538 |
| Equity capital to assets | 10.1789% | 3,633 |
| Core capital (leverage) ratio | 9.6352% | 3,591 |
| Tier 1 risk-based capital ratio | 17.3404% | 2,128 |
| Total risk-based capital ratio | 18.3808% | 2,180 |
| Memoranda: | ||
| Average total assets | $50,499,500 | 6,720 |
| Average earning assets | $46,075,500 | 6,707 |
| Average equity | $4,954,500 | 6,859 |
| Average total loans | $19,750,000 | 7,166 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 5,424 |
| Cost of funding earning assets | 1.3806% | 6,016 |
| Net interest margin | 3.8673% | 3,405 |
| Noninterest income to average assets | 0.6552% | 3,254 |
| Noninterest expense to average assets | 3.3281% | 2,915 |
| Loan and lease loss provision to assets | 0.1938% | 5,792 |
| Net operating income to assets | 0.5279% | 3,616 |
| Return on assets (ROA) | 0.6732% | 3,096 |
| Pretax return on assets | 0.9030% | 2,914 |
| Return on Equity (ROE) | 6.8277% | 2,854 |
| Retained earnings to average equity (ytd only) | 1.1548% | 4,239 |
| Net charge-offs to loans | 0.7528% | 2,941 |
| Credit loss provision to net charge-offs | 58.7879% | 6,658 |
| Earnings coverage of net charge-offs (x) | 2.7394% | 3,728 |
| Efficiency ratio | 78.6591% | 3,101 |
| Assets per employee ($millions) | 2.7294% | 6,800 |
| Cash dividends to net income (ytd only)* | 83.0861% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,588 |
| Loan loss allowance to noncurrent loans | 84.4156% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0374% | 5,029 |
| Noncurrent loans to loans | 1.5758% | 4,285 |
| Net loans and leases to total assets | 37.1900% | 7,475 |
| Net loans and leases to deposits | 41.6841% | 7,576 |
| Net loans and leases to core deposits | 48.8748% | 7,616 |
| Total domestic deposits to total assets | 89.2186% | 1,376 |
| Equity capital to assets | 9.4624% | 4,473 |
| Core capital (leverage) ratio | 9.5333% | 3,680 |
| Tier 1 risk-based capital ratio | 18.3023% | 1,814 |
| Total risk-based capital ratio | 19.3073% | 1,837 |
| Memoranda: | ||
| Average total assets | $50,058,000 | 6,702 |
| Average earning assets | $46,285,000 | 6,674 |
| Average equity | $4,935,800 | 6,964 |
| Average total loans | $21,916,800 | 7,092 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 5,495 |
| Cost of funding earning assets | 1.4768% | 5,928 |
| Net interest margin | 3.8119% | 3,606 |
| Noninterest income to average assets | 0.6961% | 3,041 |
| Noninterest expense to average assets | 3.3381% | 2,778 |
| Loan and lease loss provision to assets | 0.1398% | 5,961 |
| Net operating income to assets | 0.6226% | 3,526 |
| Return on assets (ROA) | 0.8386% | 2,724 |
| Pretax return on assets | 1.0267% | 2,818 |
| Return on Equity (ROE) | 8.4157% | 2,479 |
| Retained earnings to average equity (ytd only) | 8.4157% | 1,006 |
| Net charge-offs to loans | 0.7167% | 2,558 |
| Credit loss provision to net charge-offs | 42.9752% | 6,394 |
| Earnings coverage of net charge-offs (x) | 2.7769% | 3,837 |
| Efficiency ratio | 78.7072% | 3,049 |
| Assets per employee ($millions) | 2.5547% | 7,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 6,456 |
| Loan loss allowance to noncurrent loans | 66.5810% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 5,505 |
| Noncurrent loans to loans | 1.4529% | 4,498 |
| Net loans and leases to total assets | 54.6251% | 6,313 |
| Net loans and leases to deposits | 64.5762% | 6,443 |
| Net loans and leases to core deposits | 77.8479% | 6,503 |
| Total domestic deposits to total assets | 84.5900% | 3,433 |
| Equity capital to assets | 10.6943% | 3,292 |
| Core capital (leverage) ratio | 10.1835% | 3,081 |
| Tier 1 risk-based capital ratio | 17.3529% | 2,168 |
| Total risk-based capital ratio | 18.2536% | 2,222 |
| Memoranda: | ||
| Average total assets | $49,608,000 | 6,774 |
| Average earning assets | $46,134,750 | 6,730 |
| Average equity | $4,943,000 | 7,023 |
| Average total loans | $22,509,500 | 7,124 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1582% | 6,233 |
| Cost of funding earning assets | 1.5848% | 5,793 |
| Net interest margin | 3.5734% | 4,478 |
| Noninterest income to average assets | 0.6965% | 3,009 |
| Noninterest expense to average assets | 3.3224% | 2,874 |
| Loan and lease loss provision to assets | 0.0680% | 6,522 |
| Net operating income to assets | 0.4431% | 4,319 |
| Return on assets (ROA) | 0.4683% | 4,338 |
| Pretax return on assets | 0.6725% | 4,092 |
| Return on Equity (ROE) | 4.8145% | 4,163 |
| Retained earnings to average equity (ytd only) | 4.8145% | 2,631 |
| Net charge-offs to loans | 1.1381% | 1,601 |
| Credit loss provision to net charge-offs | 14.1667% | 6,165 |
| Earnings coverage of net charge-offs (x) | 1.4667% | 4,435 |
| Efficiency ratio | 82.5050% | 2,662 |
| Assets per employee ($millions) | 2.5755% | 7,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,250 |
| Loan loss allowance to noncurrent loans | 67.8679% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 5,711 |
| Noncurrent loans to loans | 1.4729% | 4,286 |
| Net loans and leases to total assets | 45.7392% | 7,214 |
| Net loans and leases to deposits | 52.4919% | 7,356 |
| Net loans and leases to core deposits | 62.5230% | 7,359 |
| Total domestic deposits to total assets | 87.1357% | 2,176 |
| Equity capital to assets | 10.0625% | 3,854 |
| Core capital (leverage) ratio | 9.7604% | 3,564 |
| Tier 1 risk-based capital ratio | 18.1220% | 1,983 |
| Total risk-based capital ratio | 18.9763% | 2,036 |
| Memoranda: | ||
| Average total assets | $49,964,000 | 6,828 |
| Average earning assets | $46,566,670 | 6,769 |
| Average equity | $4,860,330 | 7,120 |
| Average total loans | $21,088,000 | 7,262 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1369% | 6,536 |
| Cost of funding earning assets | 1.7066% | 5,569 |
| Net interest margin | 3.4302% | 5,011 |
| Noninterest income to average assets | 0.6260% | 3,373 |
| Noninterest expense to average assets | 3.2172% | 2,909 |
| Loan and lease loss provision to assets | 0.0396% | 6,472 |
| Net operating income to assets | 0.3804% | 4,944 |
| Return on assets (ROA) | 0.3804% | 5,127 |
| Pretax return on assets | 0.5705% | 4,844 |
| Return on Equity (ROE) | 3.9764% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.9764% | 3,686 |
| Net charge-offs to loans | 0.0590% | 4,643 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,199 |
| Efficiency ratio | 84.0580% | 2,300 |
| Assets per employee ($millions) | 2.6124% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 2,170 |
| Loan loss allowance to noncurrent loans | 162.5616% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 6,270 |
| Noncurrent loans to loans | 1.0421% | 4,904 |
| Net loans and leases to total assets | 38.5809% | 7,638 |
| Net loans and leases to deposits | 43.2202% | 7,753 |
| Net loans and leases to core deposits | 52.4672% | 7,718 |
| Total domestic deposits to total assets | 89.2659% | 1,115 |
| Equity capital to assets | 9.8618% | 4,166 |
| Core capital (leverage) ratio | 9.2422% | 4,344 |
| Tier 1 risk-based capital ratio | 18.8660% | 1,846 |
| Total risk-based capital ratio | 20.1158% | 1,799 |
| Memoranda: | ||
| Average total assets | $50,479,000 | 6,848 |
| Average earning assets | $47,110,500 | 6,790 |
| Average equity | $4,828,500 | 7,177 |
| Average total loans | $20,328,000 | 7,344 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8115% | 6,387 |
| Cost of funding earning assets | 2.4550% | 4,446 |
| Net interest margin | 3.3564% | 5,843 |
| Noninterest income to average assets | 1.0330% | 1,477 |
| Noninterest expense to average assets | 2.7459% | 5,066 |
| Loan and lease loss provision to assets | 0.0575% | 6,695 |
| Net operating income to assets | 0.8272% | 3,325 |
| Return on assets (ROA) | 0.8387% | 3,112 |
| Pretax return on assets | 1.3185% | 2,250 |
| Return on Equity (ROE) | 9.1777% | 2,581 |
| Retained earnings to average equity (ytd only) | 3.1026% | 3,226 |
| Net charge-offs to loans | 0.7222% | 1,710 |
| Credit loss provision to net charge-offs | 18.1250% | 6,592 |
| Earnings coverage of net charge-offs (x) | 4.2813% | 4,042 |
| Efficiency ratio | 66.9082% | 4,921 |
| Assets per employee ($millions) | 2.8512% | 6,446 |
| Cash dividends to net income (ytd only)* | 66.1939% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 2,432 |
| Loan loss allowance to noncurrent loans | 353.7634% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 6,839 |
| Noncurrent loans to loans | 0.4392% | 6,038 |
| Net loans and leases to total assets | 40.6200% | 7,645 |
| Net loans and leases to deposits | 45.4431% | 7,805 |
| Net loans and leases to core deposits | 55.9111% | 7,741 |
| Total domestic deposits to total assets | 89.3866% | 882 |
| Equity capital to assets | 9.2787% | 4,961 |
| Core capital (leverage) ratio | 8.6517% | 5,283 |
| Tier 1 risk-based capital ratio | 19.0791% | 1,796 |
| Total risk-based capital ratio | 20.3312% | 1,750 |
| Memoranda: | ||
| Average total assets | $50,438,000 | 6,756 |
| Average earning assets | $46,150,200 | 6,762 |
| Average equity | $4,609,000 | 7,301 |
| Average total loans | $22,153,800 | 7,183 |