Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 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 | 3.4087% | 4,956 |
| Cost of funding earning assets | 0.2557% | 4,515 |
| Net interest margin | 3.1530% | 4,573 |
| Noninterest income to average assets | 0.2524% | 4,695 |
| Noninterest expense to average assets | 2.4069% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4463% | 4,890 |
| Return on assets (ROA) | 0.4463% | 4,920 |
| Pretax return on assets | 0.4463% | 5,120 |
| Return on Equity (ROE) | 3.2766% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.2766% | 3,974 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4851% | 2,285 |
| Assets per employee ($millions) | 4.2794% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,765 |
| Noncurrent loans to loans | 0.2116% | 4,221 |
| Net loans and leases to total assets | 44.8613% | 4,992 |
| Net loans and leases to deposits | 52.2327% | 5,046 |
| Net loans and leases to core deposits | 53.0701% | 5,102 |
| Total domestic deposits to total assets | 85.8875% | 2,353 |
| Equity capital to assets | 13.8716% | 1,029 |
| Core capital (leverage) ratio | 10.6943% | 2,775 |
| Tier 1 risk-based capital ratio | 17.8369% | 1,899 |
| Total risk-based capital ratio | 17.8369% | 2,247 |
| Memoranda: | ||
| Average total assets | $70,794,250 | 4,814 |
| Average earning assets | $58,398,250 | 4,950 |
| Average equity | $9,643,750 | 4,548 |
| Average total loans | $31,160,000 | 5,043 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1682% | 5,280 |
| Cost of funding earning assets | 0.2275% | 4,743 |
| Net interest margin | 2.9407% | 5,017 |
| Noninterest income to average assets | 0.2347% | 4,833 |
| Noninterest expense to average assets | 2.2691% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3493% | 5,098 |
| Return on assets (ROA) | 0.3493% | 5,121 |
| Pretax return on assets | 0.3493% | 5,270 |
| Return on Equity (ROE) | 2.5794% | 5,225 |
| Retained earnings to average equity (ytd only) | 2.5794% | 4,149 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6393% | 2,079 |
| Assets per employee ($millions) | 4.2505% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 3,205 |
| Noncurrent loans to loans | 1.0604% | 1,855 |
| Net loans and leases to total assets | 44.7874% | 5,008 |
| Net loans and leases to deposits | 52.2426% | 5,046 |
| Net loans and leases to core deposits | 53.0848% | 5,116 |
| Total domestic deposits to total assets | 85.7296% | 2,513 |
| Equity capital to assets | 13.8381% | 1,018 |
| Core capital (leverage) ratio | 10.1188% | 3,381 |
| Tier 1 risk-based capital ratio | 17.2977% | 2,064 |
| Total risk-based capital ratio | 17.2977% | 2,422 |
| Memoranda: | ||
| Average total assets | $71,568,670 | 4,833 |
| Average earning assets | $58,014,330 | 5,000 |
| Average equity | $9,692,330 | 4,564 |
| Average total loans | $31,307,670 | 5,067 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4609% | 5,733 |
| Cost of funding earning assets | 0.1753% | 5,196 |
| Net interest margin | 2.2856% | 5,668 |
| Noninterest income to average assets | 0.1691% | 5,262 |
| Noninterest expense to average assets | 1.9687% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0218% | 5,618 |
| Return on assets (ROA) | -0.0218% | 5,625 |
| Pretax return on assets | -0.0218% | 5,613 |
| Return on Equity (ROE) | -0.1627% | 5,621 |
| Retained earnings to average equity (ytd only) | -0.1627% | 4,943 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3950% | 705 |
| Assets per employee ($millions) | 4.5205% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,264 |
| Noncurrent loans to loans | 0.0465% | 5,006 |
| Net loans and leases to total assets | 41.6312% | 5,181 |
| Net loans and leases to deposits | 47.8385% | 5,228 |
| Net loans and leases to core deposits | 48.5505% | 5,279 |
| Total domestic deposits to total assets | 87.0244% | 2,204 |
| Equity capital to assets | 12.5373% | 1,502 |
| Core capital (leverage) ratio | 9.4825% | 4,137 |
| Tier 1 risk-based capital ratio | 17.6390% | 1,992 |
| Total risk-based capital ratio | 17.6390% | 2,344 |
| Memoranda: | ||
| Average total assets | $73,349,000 | 4,843 |
| Average earning assets | $57,053,000 | 5,075 |
| Average equity | $9,833,000 | 4,565 |
| Average total loans | $31,732,000 | 5,101 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 2,710 |
| Cost of funding earning assets | 0.2290% | 4,749 |
| Net interest margin | 3.9068% | 1,942 |
| Noninterest income to average assets | 0.3316% | 4,362 |
| Noninterest expense to average assets | 3.2581% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6434% | 4,030 |
| Return on assets (ROA) | 0.7401% | 3,704 |
| Pretax return on assets | 0.7401% | 4,374 |
| Return on Equity (ROE) | 4.6549% | 4,585 |
| Retained earnings to average equity (ytd only) | 0.5729% | 5,098 |
| Net charge-offs to loans | 0.0028% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 452.0000% | 183 |
| Efficiency ratio | 83.5097% | 1,058 |
| Assets per employee ($millions) | 4.6481% | 2,884 |
| Cash dividends to net income (ytd only)* | 87.6923% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,977 |
| Loan loss allowance to noncurrent loans | 2,514.2857% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 5,317 |
| Noncurrent loans to loans | 0.0420% | 5,081 |
| Net loans and leases to total assets | 44.3741% | 5,090 |
| Net loans and leases to deposits | 51.9750% | 5,128 |
| Net loans and leases to core deposits | 52.5310% | 5,202 |
| Total domestic deposits to total assets | 85.3758% | 2,890 |
| Equity capital to assets | 14.2504% | 807 |
| Core capital (leverage) ratio | 14.5787% | 680 |
| Tier 1 risk-based capital ratio | 24.4948% | 817 |
| Total risk-based capital ratio | 25.3106% | 837 |
| Memoranda: | ||
| Average total assets | $70,256,200 | 4,928 |
| Average earning assets | $64,196,200 | 4,936 |
| Average equity | $11,171,000 | 4,403 |
| Average total loans | $35,809,000 | 5,021 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,549 |
| Cost of funding earning assets | 0.2261% | 4,826 |
| Net interest margin | 3.9635% | 1,772 |
| Noninterest income to average assets | 0.3505% | 4,282 |
| Noninterest expense to average assets | 2.9506% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1479% | 1,817 |
| Return on assets (ROA) | 1.1479% | 1,920 |
| Pretax return on assets | 1.1479% | 3,060 |
| Return on Equity (ROE) | 7.0234% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.5386% | 2,463 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9925% | 2,580 |
| Assets per employee ($millions) | 4.0017% | 3,961 |
| Cash dividends to net income (ytd only)* | 21.1414% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 4,447 |
| Loan loss allowance to noncurrent loans | 2,521.4286% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,434 |
| Noncurrent loans to loans | 0.0394% | 5,212 |
| Net loans and leases to total assets | 51.6471% | 4,681 |
| Net loans and leases to deposits | 62.7512% | 4,578 |
| Net loans and leases to core deposits | 63.5134% | 4,749 |
| Total domestic deposits to total assets | 82.3046% | 3,841 |
| Equity capital to assets | 17.1633% | 419 |
| Core capital (leverage) ratio | 15.9483% | 481 |
| Tier 1 risk-based capital ratio | 24.9251% | 822 |
| Total risk-based capital ratio | 25.7267% | 848 |
| Memoranda: | ||
| Average total assets | $69,227,750 | 4,991 |
| Average earning assets | $65,462,750 | 4,948 |
| Average equity | $11,314,250 | 4,410 |
| Average total loans | $36,423,000 | 5,045 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,204 |
| Cost of funding earning assets | 0.2188% | 4,950 |
| Net interest margin | 3.5073% | 3,467 |
| Noninterest income to average assets | 0.3533% | 4,247 |
| Noninterest expense to average assets | 2.9012% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7669% | 3,468 |
| Return on assets (ROA) | 0.7669% | 3,610 |
| Pretax return on assets | 0.7669% | 4,404 |
| Return on Equity (ROE) | 4.7706% | 4,617 |
| Retained earnings to average equity (ytd only) | 3.6985% | 3,532 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0916% | 1,621 |
| Assets per employee ($millions) | 4.1205% | 3,704 |
| Cash dividends to net income (ytd only)* | 22.4719% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,879 |
| Loan loss allowance to noncurrent loans | 23.6718% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 2.1228% | 746 |
| Noncurrent loans to loans | 3.9018% | 310 |
| Net loans and leases to total assets | 53.9045% | 4,522 |
| Net loans and leases to deposits | 67.5124% | 4,224 |
| Net loans and leases to core deposits | 68.3297% | 4,448 |
| Total domestic deposits to total assets | 79.8438% | 4,582 |
| Equity capital to assets | 16.3945% | 494 |
| Core capital (leverage) ratio | 15.5528% | 521 |
| Tier 1 risk-based capital ratio | 23.0187% | 1,014 |
| Total risk-based capital ratio | 23.7751% | 1,057 |
| Memoranda: | ||
| Average total assets | $69,627,330 | 5,032 |
| Average earning assets | $65,805,670 | 4,985 |
| Average equity | $11,193,670 | 4,457 |
| Average total loans | $36,734,670 | 5,082 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7031% | 4,313 |
| Cost of funding earning assets | 0.2085% | 5,120 |
| Net interest margin | 3.4947% | 3,493 |
| Noninterest income to average assets | 0.3400% | 4,300 |
| Noninterest expense to average assets | 3.0943% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5301% | 4,503 |
| Return on assets (ROA) | 0.5301% | 4,610 |
| Pretax return on assets | 0.5301% | 5,007 |
| Return on Equity (ROE) | 3.3308% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.3308% | 3,829 |
| Net charge-offs to loans | 0.0111% | 2,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 569 |
| Efficiency ratio | 85.3736% | 1,037 |
| Assets per employee ($millions) | 4.0368% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 4,446 |
| Loan loss allowance to noncurrent loans | 26.2491% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.9541% | 907 |
| Noncurrent loans to loans | 3.9225% | 318 |
| Net loans and leases to total assets | 49.3035% | 4,862 |
| Net loans and leases to deposits | 58.9799% | 4,780 |
| Net loans and leases to core deposits | 59.6737% | 4,962 |
| Total domestic deposits to total assets | 83.5937% | 3,676 |
| Equity capital to assets | 16.2810% | 500 |
| Core capital (leverage) ratio | 15.4719% | 536 |
| Tier 1 risk-based capital ratio | 24.3789% | 880 |
| Total risk-based capital ratio | 25.1886% | 911 |
| Memoranda: | ||
| Average total assets | $69,417,000 | 5,084 |
| Average earning assets | $65,242,000 | 5,042 |
| Average equity | $11,048,500 | 4,498 |
| Average total loans | $36,046,500 | 5,143 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 3,945 |
| Cost of funding earning assets | 0.2255% | 5,041 |
| Net interest margin | 3.6057% | 3,108 |
| Noninterest income to average assets | 0.3070% | 4,690 |
| Noninterest expense to average assets | 2.8322% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8971% | 2,887 |
| Return on assets (ROA) | 0.8971% | 2,967 |
| Pretax return on assets | 0.8971% | 3,848 |
| Return on Equity (ROE) | 5.8531% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.9863% | 3,940 |
| Net charge-offs to loans | 0.0026% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 637.0000% | 102 |
| Efficiency ratio | 75.9441% | 2,277 |
| Assets per employee ($millions) | 4.1299% | 3,697 |
| Cash dividends to net income (ytd only)* | 48.9796% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 4,965 |
| Loan loss allowance to noncurrent loans | 25.9750% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 1.9357% | 927 |
| Noncurrent loans to loans | 3.5852% | 376 |
| Net loans and leases to total assets | 53.4882% | 4,545 |
| Net loans and leases to deposits | 64.6173% | 4,423 |
| Net loans and leases to core deposits | 65.3687% | 4,641 |
| Total domestic deposits to total assets | 82.7769% | 3,917 |
| Equity capital to assets | 15.5595% | 587 |
| Core capital (leverage) ratio | 14.8470% | 644 |
| Tier 1 risk-based capital ratio | 22.6630% | 1,057 |
| Total risk-based capital ratio | 23.4246% | 1,097 |
| Memoranda: | ||
| Average total assets | $71,005,000 | 5,067 |
| Average earning assets | $67,393,600 | 4,999 |
| Average equity | $10,883,200 | 4,501 |
| Average total loans | $38,402,600 | 5,074 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,078 |
| Cost of funding earning assets | 0.2247% | 5,137 |
| Net interest margin | 3.5782% | 3,246 |
| Noninterest income to average assets | 0.2977% | 4,811 |
| Noninterest expense to average assets | 2.8631% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8333% | 3,263 |
| Return on assets (ROA) | 0.8333% | 3,346 |
| Pretax return on assets | 0.8333% | 4,231 |
| Return on Equity (ROE) | 5.4568% | 4,421 |
| Retained earnings to average equity (ytd only) | 3.9117% | 3,679 |
| Net charge-offs to loans | -0.0035% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4569% | 2,026 |
| Assets per employee ($millions) | 4.1939% | 3,529 |
| Cash dividends to net income (ytd only)* | 28.3152% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 5,071 |
| Loan loss allowance to noncurrent loans | 25.7246% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 1.9356% | 1,075 |
| Noncurrent loans to loans | 3.6147% | 418 |
| Net loans and leases to total assets | 53.0493% | 4,662 |
| Net loans and leases to deposits | 65.9886% | 4,390 |
| Net loans and leases to core deposits | 68.4561% | 4,504 |
| Total domestic deposits to total assets | 80.3916% | 4,637 |
| Equity capital to assets | 15.4441% | 654 |
| Core capital (leverage) ratio | 14.8147% | 675 |
| Tier 1 risk-based capital ratio | 22.6844% | 1,098 |
| Total risk-based capital ratio | 23.4514% | 1,144 |
| Memoranda: | ||
| Average total assets | $71,204,250 | 5,123 |
| Average earning assets | $67,631,000 | 5,053 |
| Average equity | $10,873,000 | 4,558 |
| Average total loans | $38,526,750 | 5,120 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 3,601 |
| Cost of funding earning assets | 0.2185% | 5,270 |
| Net interest margin | 3.7057% | 2,684 |
| Noninterest income to average assets | 0.2866% | 4,911 |
| Noninterest expense to average assets | 2.8072% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0060% | 2,362 |
| Return on assets (ROA) | 1.0060% | 2,468 |
| Pretax return on assets | 1.0060% | 3,566 |
| Return on Equity (ROE) | 6.6131% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.3939% | 2,604 |
| Net charge-offs to loans | -0.0052% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6183% | 2,731 |
| Assets per employee ($millions) | 4.1662% | 3,539 |
| Cash dividends to net income (ytd only)* | 18.4358% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 5,203 |
| Loan loss allowance to noncurrent loans | 24.1990% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 2.0713% | 1,045 |
| Noncurrent loans to loans | 3.8188% | 427 |
| Net loans and leases to total assets | 53.7381% | 4,583 |
| Net loans and leases to deposits | 67.9279% | 4,142 |
| Net loans and leases to core deposits | 69.1196% | 4,401 |
| Total domestic deposits to total assets | 79.1105% | 5,076 |
| Equity capital to assets | 15.3209% | 643 |
| Core capital (leverage) ratio | 15.0345% | 606 |
| Tier 1 risk-based capital ratio | 22.9458% | 1,092 |
| Total risk-based capital ratio | 23.7237% | 1,119 |
| Memoranda: | ||
| Average total assets | $71,173,670 | 5,178 |
| Average earning assets | $67,733,670 | 5,108 |
| Average equity | $10,827,000 | 4,598 |
| Average total loans | $38,643,330 | 5,158 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 3,590 |
| Cost of funding earning assets | 0.2185% | 5,331 |
| Net interest margin | 3.6851% | 2,679 |
| Noninterest income to average assets | 0.2859% | 4,882 |
| Noninterest expense to average assets | 3.0386% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7456% | 3,562 |
| Return on assets (ROA) | 0.7456% | 3,693 |
| Pretax return on assets | 0.7456% | 4,442 |
| Return on Equity (ROE) | 4.9191% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.9191% | 3,100 |
| Net charge-offs to loans | -0.0206% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2963% | 1,864 |
| Assets per employee ($millions) | 3.8323% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 5,220 |
| Loan loss allowance to noncurrent loans | 386.9565% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 5,422 |
| Noncurrent loans to loans | 0.2473% | 4,892 |
| Net loans and leases to total assets | 53.4168% | 4,504 |
| Net loans and leases to deposits | 65.2558% | 4,236 |
| Net loans and leases to core deposits | 67.0793% | 4,420 |
| Total domestic deposits to total assets | 81.8576% | 4,546 |
| Equity capital to assets | 15.9302% | 551 |
| Core capital (leverage) ratio | 14.5495% | 680 |
| Tier 1 risk-based capital ratio | 23.5640% | 1,044 |
| Total risk-based capital ratio | 24.3774% | 1,068 |
| Memoranda: | ||
| Average total assets | $71,348,000 | 5,226 |
| Average earning assets | $67,731,500 | 5,151 |
| Average equity | $10,815,000 | 4,639 |
| Average total loans | $38,757,500 | 5,183 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,650 |
| Cost of funding earning assets | 0.2322% | 5,501 |
| Net interest margin | 3.7878% | 2,669 |
| Noninterest income to average assets | 0.3151% | 4,865 |
| Noninterest expense to average assets | 2.8115% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1016% | 1,968 |
| Return on assets (ROA) | 1.1016% | 2,024 |
| Pretax return on assets | 1.1016% | 3,079 |
| Return on Equity (ROE) | 7.7373% | 3,252 |
| Retained earnings to average equity (ytd only) | 3.6377% | 3,631 |
| Net charge-offs to loans | 0.0051% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 402.0000% | 133 |
| Efficiency ratio | 71.8487% | 3,232 |
| Assets per employee ($millions) | 4.0952% | 3,727 |
| Cash dividends to net income (ytd only)* | 52.9851% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 5,536 |
| Loan loss allowance to noncurrent loans | 536.3636% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 5,668 |
| Noncurrent loans to loans | 0.1637% | 5,242 |
| Net loans and leases to total assets | 54.2054% | 4,556 |
| Net loans and leases to deposits | 64.0254% | 4,524 |
| Net loans and leases to core deposits | 65.6410% | 4,695 |
| Total domestic deposits to total assets | 84.6623% | 3,435 |
| Equity capital to assets | 14.4355% | 827 |
| Core capital (leverage) ratio | 14.1314% | 781 |
| Tier 1 risk-based capital ratio | 21.3171% | 1,338 |
| Total risk-based capital ratio | 22.0584% | 1,414 |
| Memoranda: | ||
| Average total assets | $72,986,600 | 5,205 |
| Average earning assets | $69,328,600 | 5,141 |
| Average equity | $10,391,200 | 4,679 |
| Average total loans | $39,476,200 | 5,202 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,844 |
| Cost of funding earning assets | 0.2348% | 5,556 |
| Net interest margin | 3.7429% | 2,846 |
| Noninterest income to average assets | 0.3132% | 4,936 |
| Noninterest expense to average assets | 2.8111% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0640% | 2,176 |
| Return on assets (ROA) | 1.0640% | 2,244 |
| Pretax return on assets | 1.0640% | 3,324 |
| Return on Equity (ROE) | 7.4999% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.7116% | 3,273 |
| Net charge-offs to loans | 0.0034% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 582.4436% | 132 |
| Efficiency ratio | 72.5425% | 3,082 |
| Assets per employee ($millions) | 4.0189% | 3,833 |
| Cash dividends to net income (ytd only)* | 37.1768% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 5,675 |
| Loan loss allowance to noncurrent loans | 137.5969% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 4,854 |
| Noncurrent loans to loans | 0.6354% | 4,026 |
| Net loans and leases to total assets | 55.6393% | 4,377 |
| Net loans and leases to deposits | 66.4916% | 4,280 |
| Net loans and leases to core deposits | 68.2146% | 4,489 |
| Total domestic deposits to total assets | 83.6787% | 3,888 |
| Equity capital to assets | 14.7206% | 802 |
| Core capital (leverage) ratio | 14.0547% | 832 |
| Tier 1 risk-based capital ratio | 21.2227% | 1,408 |
| Total risk-based capital ratio | 21.9636% | 1,476 |
| Memoranda: | ||
| Average total assets | $72,804,750 | 5,272 |
| Average earning assets | $69,285,000 | 5,194 |
| Average equity | $10,328,750 | 4,723 |
| Average total loans | $39,267,500 | 5,268 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,759 |
| Cost of funding earning assets | 0.2336% | 5,636 |
| Net interest margin | 3.7571% | 2,728 |
| Noninterest income to average assets | 0.3207% | 4,852 |
| Noninterest expense to average assets | 2.7029% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1897% | 1,624 |
| Return on assets (ROA) | 1.1897% | 1,694 |
| Pretax return on assets | 1.1897% | 2,706 |
| Return on Equity (ROE) | 8.4915% | 2,840 |
| Retained earnings to average equity (ytd only) | 6.6132% | 1,975 |
| Net charge-offs to loans | 0.0052% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 434.0000% | 160 |
| Efficiency ratio | 69.4366% | 3,752 |
| Assets per employee ($millions) | 4.0193% | 3,797 |
| Cash dividends to net income (ytd only)* | 22.1198% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 5,745 |
| Loan loss allowance to noncurrent loans | 137.5969% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 4,957 |
| Noncurrent loans to loans | 0.6473% | 4,090 |
| Net loans and leases to total assets | 54.5972% | 4,469 |
| Net loans and leases to deposits | 67.7344% | 4,082 |
| Net loans and leases to core deposits | 69.5582% | 4,311 |
| Total domestic deposits to total assets | 80.6049% | 5,097 |
| Equity capital to assets | 14.6832% | 777 |
| Core capital (leverage) ratio | 14.0794% | 807 |
| Tier 1 risk-based capital ratio | 21.4966% | 1,347 |
| Total risk-based capital ratio | 22.2491% | 1,422 |
| Memoranda: | ||
| Average total assets | $72,959,330 | 5,311 |
| Average earning assets | $69,361,330 | 5,231 |
| Average equity | $10,222,000 | 4,759 |
| Average total loans | $38,821,670 | 5,318 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 4,033 |
| Cost of funding earning assets | 0.2297% | 5,755 |
| Net interest margin | 3.6817% | 2,942 |
| Noninterest income to average assets | 0.3385% | 4,670 |
| Noninterest expense to average assets | 2.8008% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0373% | 2,058 |
| Return on assets (ROA) | 1.0373% | 2,131 |
| Pretax return on assets | 1.0373% | 3,180 |
| Return on Equity (ROE) | 7.5837% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.5837% | 1,776 |
| Net charge-offs to loans | 0.0104% | 3,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 259 |
| Efficiency ratio | 72.9730% | 3,314 |
| Assets per employee ($millions) | 3.9488% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 5,649 |
| Loan loss allowance to noncurrent loans | 1,613.6364% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 6,199 |
| Noncurrent loans to loans | 0.0598% | 5,971 |
| Net loans and leases to total assets | 51.2163% | 4,763 |
| Net loans and leases to deposits | 60.8885% | 4,673 |
| Net loans and leases to core deposits | 62.4865% | 4,831 |
| Total domestic deposits to total assets | 84.1149% | 4,234 |
| Equity capital to assets | 14.3995% | 810 |
| Core capital (leverage) ratio | 13.6890% | 925 |
| Tier 1 risk-based capital ratio | 22.4865% | 1,217 |
| Total risk-based capital ratio | 23.2853% | 1,265 |
| Memoranda: | ||
| Average total assets | $73,265,000 | 5,359 |
| Average earning assets | $69,642,500 | 5,280 |
| Average equity | $10,021,500 | 4,815 |
| Average total loans | $38,305,000 | 5,382 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 4,498 |
| Cost of funding earning assets | 0.2650% | 5,871 |
| Net interest margin | 3.6247% | 3,356 |
| Noninterest income to average assets | 0.3820% | 4,576 |
| Noninterest expense to average assets | 2.6756% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0966% | 1,949 |
| Return on assets (ROA) | 1.0966% | 2,014 |
| Pretax return on assets | 1.0527% | 3,145 |
| Return on Equity (ROE) | 7.9386% | 3,061 |
| Retained earnings to average equity (ytd only) | 3.9991% | 3,348 |
| Net charge-offs to loans | -0.0028% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7656% | 3,518 |
| Assets per employee ($millions) | 4.1917% | 3,455 |
| Cash dividends to net income (ytd only)* | 49.6241% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 5,954 |
| Loan loss allowance to noncurrent loans | 1,873.6842% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 6,319 |
| Noncurrent loans to loans | 0.0477% | 6,088 |
| Net loans and leases to total assets | 52.3452% | 4,807 |
| Net loans and leases to deposits | 66.5067% | 4,242 |
| Net loans and leases to core deposits | 68.2643% | 4,486 |
| Total domestic deposits to total assets | 78.7067% | 5,707 |
| Equity capital to assets | 12.9992% | 1,274 |
| Core capital (leverage) ratio | 13.1856% | 1,060 |
| Tier 1 risk-based capital ratio | 20.4899% | 1,542 |
| Total risk-based capital ratio | 21.2340% | 1,629 |
| Memoranda: | ||
| Average total assets | $72,767,800 | 5,401 |
| Average earning assets | $67,177,600 | 5,369 |
| Average equity | $10,052,200 | 4,836 |
| Average total loans | $35,420,400 | 5,517 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 4,609 |
| Cost of funding earning assets | 0.2687% | 5,969 |
| Net interest margin | 3.6017% | 3,438 |
| Noninterest income to average assets | 0.3736% | 4,723 |
| Noninterest expense to average assets | 2.7055% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0245% | 2,281 |
| Return on assets (ROA) | 1.0245% | 2,362 |
| Pretax return on assets | 0.9653% | 3,627 |
| Return on Equity (ROE) | 7.3038% | 3,484 |
| Retained earnings to average equity (ytd only) | 4.8516% | 3,191 |
| Net charge-offs to loans | -0.0039% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7028% | 3,109 |
| Assets per employee ($millions) | 4.1699% | 3,484 |
| Cash dividends to net income (ytd only)* | 33.5734% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 5,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.3173% | 5,315 |
| Net loans and leases to deposits | 59.8933% | 4,982 |
| Net loans and leases to core deposits | 61.4376% | 5,173 |
| Total domestic deposits to total assets | 80.6723% | 5,313 |
| Equity capital to assets | 13.2884% | 1,205 |
| Core capital (leverage) ratio | 13.5174% | 1,019 |
| Tier 1 risk-based capital ratio | 21.6214% | 1,379 |
| Total risk-based capital ratio | 22.4094% | 1,435 |
| Memoranda: | ||
| Average total assets | $72,097,000 | 5,466 |
| Average earning assets | $66,004,500 | 5,457 |
| Average equity | $10,113,250 | 4,867 |
| Average total loans | $34,312,750 | 5,619 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 4,580 |
| Cost of funding earning assets | 0.2857% | 5,937 |
| Net interest margin | 3.5869% | 3,421 |
| Noninterest income to average assets | 0.3403% | 4,958 |
| Noninterest expense to average assets | 2.7844% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8944% | 2,829 |
| Return on assets (ROA) | 0.8944% | 2,973 |
| Pretax return on assets | 0.8044% | 4,302 |
| Return on Equity (ROE) | 6.2600% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.0789% | 2,997 |
| Net charge-offs to loans | -0.0119% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5862% | 2,529 |
| Assets per employee ($millions) | 3.9805% | 3,850 |
| Cash dividends to net income (ytd only)* | 18.8679% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 5,724 |
| Loan loss allowance to noncurrent loans | 1,552.1739% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 6,428 |
| Noncurrent loans to loans | 0.0659% | 6,195 |
| Net loans and leases to total assets | 48.2156% | 5,308 |
| Net loans and leases to deposits | 55.9286% | 5,352 |
| Net loans and leases to core deposits | 57.3416% | 5,486 |
| Total domestic deposits to total assets | 86.2092% | 3,256 |
| Equity capital to assets | 13.5801% | 1,093 |
| Core capital (leverage) ratio | 13.3251% | 1,042 |
| Tier 1 risk-based capital ratio | 22.3871% | 1,225 |
| Total risk-based capital ratio | 23.2146% | 1,270 |
| Memoranda: | ||
| Average total assets | $71,110,000 | 5,537 |
| Average earning assets | $64,401,000 | 5,546 |
| Average equity | $10,159,670 | 4,897 |
| Average total loans | $33,543,000 | 5,683 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 4,597 |
| Cost of funding earning assets | 0.3027% | 5,947 |
| Net interest margin | 3.5626% | 3,421 |
| Noninterest income to average assets | 0.3501% | 4,878 |
| Noninterest expense to average assets | 2.9023% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5985% | 4,221 |
| Return on assets (ROA) | 0.5985% | 4,367 |
| Pretax return on assets | 0.6381% | 4,811 |
| Return on Equity (ROE) | 4.0869% | 5,049 |
| Retained earnings to average equity (ytd only) | 4.0869% | 3,769 |
| Net charge-offs to loans | -0.0122% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9777% | 2,040 |
| Assets per employee ($millions) | 4.0149% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 42.4262% | 5,815 |
| Net loans and leases to deposits | 49.7388% | 5,808 |
| Net loans and leases to core deposits | 52.7574% | 5,765 |
| Total domestic deposits to total assets | 85.2980% | 3,902 |
| Equity capital to assets | 14.3602% | 916 |
| Core capital (leverage) ratio | 13.2200% | 1,040 |
| Tier 1 risk-based capital ratio | 22.9427% | 1,167 |
| Total risk-based capital ratio | 23.8018% | 1,214 |
| Memoranda: | ||
| Average total assets | $70,840,500 | 5,601 |
| Average earning assets | $63,437,500 | 5,633 |
| Average equity | $10,374,500 | 4,914 |
| Average total loans | $32,863,000 | 5,759 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 3,975 |
| Cost of funding earning assets | 0.4084% | 5,858 |
| Net interest margin | 3.9549% | 2,585 |
| Noninterest income to average assets | 0.3809% | 4,744 |
| Noninterest expense to average assets | 2.7718% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2006% | 1,600 |
| Return on assets (ROA) | 1.2006% | 1,769 |
| Pretax return on assets | 1.2836% | 2,473 |
| Return on Equity (ROE) | 7.9095% | 3,121 |
| Retained earnings to average equity (ytd only) | 3.3982% | 3,837 |
| Net charge-offs to loans | -0.0179% | 6,539 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3480% | 4,080 |
| Assets per employee ($millions) | 3.8562% | 4,258 |
| Cash dividends to net income (ytd only)* | 57.0370% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 5,887 |
| Loan loss allowance to noncurrent loans | 2,218.7500% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 6,603 |
| Noncurrent loans to loans | 0.0461% | 6,390 |
| Net loans and leases to total assets | 49.4929% | 5,239 |
| Net loans and leases to deposits | 58.4043% | 5,194 |
| Net loans and leases to core deposits | 62.1297% | 5,140 |
| Total domestic deposits to total assets | 84.7418% | 3,971 |
| Equity capital to assets | 14.9412% | 752 |
| Core capital (leverage) ratio | 13.4940% | 949 |
| Tier 1 risk-based capital ratio | 22.2272% | 1,225 |
| Total risk-based capital ratio | 23.0666% | 1,273 |
| Memoranda: | ||
| Average total assets | $67,465,000 | 5,693 |
| Average earning assets | $62,682,000 | 5,648 |
| Average equity | $10,240,800 | 4,926 |
| Average total loans | $33,488,400 | 5,776 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 4,066 |
| Cost of funding earning assets | 0.4294% | 5,937 |
| Net interest margin | 3.9663% | 2,643 |
| Noninterest income to average assets | 0.3941% | 4,679 |
| Noninterest expense to average assets | 2.7710% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2501% | 1,579 |
| Return on assets (ROA) | 1.2501% | 1,742 |
| Pretax return on assets | 1.3377% | 2,462 |
| Return on Equity (ROE) | 8.2023% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.0285% | 3,345 |
| Net charge-offs to loans | -0.0241% | 6,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4419% | 4,185 |
| Assets per employee ($millions) | 3.7801% | 4,351 |
| Cash dividends to net income (ytd only)* | 38.6942% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,107 |
| Loan loss allowance to noncurrent loans | 2,088.2353% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 6,704 |
| Noncurrent loans to loans | 0.0476% | 6,499 |
| Net loans and leases to total assets | 51.9319% | 5,058 |
| Net loans and leases to deposits | 65.1553% | 4,575 |
| Net loans and leases to core deposits | 69.6682% | 4,539 |
| Total domestic deposits to total assets | 79.7049% | 5,728 |
| Equity capital to assets | 15.4804% | 708 |
| Core capital (leverage) ratio | 13.8270% | 892 |
| Tier 1 risk-based capital ratio | 21.9356% | 1,340 |
| Total risk-based capital ratio | 22.7607% | 1,395 |
| Memoranda: | ||
| Average total assets | $66,978,250 | 5,777 |
| Average earning assets | $62,727,000 | 5,707 |
| Average equity | $10,208,250 | 4,976 |
| Average total loans | $33,183,250 | 5,861 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 4,378 |
| Cost of funding earning assets | 0.4382% | 6,046 |
| Net interest margin | 3.9118% | 2,859 |
| Noninterest income to average assets | 0.3752% | 4,833 |
| Noninterest expense to average assets | 2.7888% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1768% | 1,795 |
| Return on assets (ROA) | 1.1768% | 1,998 |
| Pretax return on assets | 1.2578% | 2,699 |
| Return on Equity (ROE) | 7.7624% | 3,364 |
| Retained earnings to average equity (ytd only) | 4.7921% | 3,419 |
| Net charge-offs to loans | -0.0062% | 6,202 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9169% | 3,958 |
| Assets per employee ($millions) | 3.7336% | 4,453 |
| Cash dividends to net income (ytd only)* | 38.2653% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,128 |
| Loan loss allowance to noncurrent loans | 1,944.4444% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 6,761 |
| Noncurrent loans to loans | 0.0518% | 6,548 |
| Net loans and leases to total assets | 51.2097% | 5,194 |
| Net loans and leases to deposits | 64.5612% | 4,689 |
| Net loans and leases to core deposits | 69.1161% | 4,652 |
| Total domestic deposits to total assets | 79.3197% | 5,895 |
| Equity capital to assets | 15.3012% | 718 |
| Core capital (leverage) ratio | 13.9211% | 825 |
| Tier 1 risk-based capital ratio | 22.1294% | 1,267 |
| Total risk-based capital ratio | 22.9626% | 1,325 |
| Memoranda: | ||
| Average total assets | $66,624,000 | 5,821 |
| Average earning assets | $62,529,330 | 5,750 |
| Average equity | $10,100,000 | 5,012 |
| Average total loans | $32,347,670 | 5,947 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 4,403 |
| Cost of funding earning assets | 0.4536% | 6,121 |
| Net interest margin | 3.9269% | 2,814 |
| Noninterest income to average assets | 0.4342% | 4,419 |
| Noninterest expense to average assets | 2.8884% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1216% | 1,982 |
| Return on assets (ROA) | 1.1216% | 2,169 |
| Pretax return on assets | 1.2000% | 2,915 |
| Return on Equity (ROE) | 7.4337% | 3,538 |
| Retained earnings to average equity (ytd only) | 5.0357% | 3,539 |
| Net charge-offs to loans | 0.0257% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 345 |
| Efficiency ratio | 70.6490% | 3,692 |
| Assets per employee ($millions) | 3.6225% | 4,820 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 5,777 |
| Loan loss allowance to noncurrent loans | 1,577.2727% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,484 |
| Noncurrent loans to loans | 0.0720% | 6,572 |
| Net loans and leases to total assets | 46.3354% | 5,744 |
| Net loans and leases to deposits | 55.1061% | 5,695 |
| Net loans and leases to core deposits | 56.3003% | 5,880 |
| Total domestic deposits to total assets | 84.0840% | 4,442 |
| Equity capital to assets | 15.4497% | 669 |
| Core capital (leverage) ratio | 13.9230% | 823 |
| Tier 1 risk-based capital ratio | 24.1185% | 992 |
| Total risk-based capital ratio | 25.0302% | 1,016 |
| Memoranda: | ||
| Average total assets | $66,334,000 | 5,873 |
| Average earning assets | $61,727,500 | 5,817 |
| Average equity | $10,008,500 | 5,041 |
| Average total loans | $31,139,000 | 6,055 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 3,609 |
| Cost of funding earning assets | 0.7135% | 5,444 |
| Net interest margin | 4.1299% | 2,309 |
| Noninterest income to average assets | 0.4263% | 4,392 |
| Noninterest expense to average assets | 2.8741% | 4,068 |
| Loan and lease loss provision to assets | 0.0155% | 6,359 |
| Net operating income to assets | 1.3378% | 1,163 |
| Return on assets (ROA) | 1.3378% | 1,245 |
| Pretax return on assets | 1.4308% | 1,680 |
| Return on Equity (ROE) | 9.0522% | 2,419 |
| Retained earnings to average equity (ytd only) | 3.7656% | 3,538 |
| Net charge-offs to loans | 0.0031% | 6,410 |
| Credit loss provision to net charge-offs | 1,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 933.0000% | 28 |
| Efficiency ratio | 66.5231% | 4,653 |
| Assets per employee ($millions) | 3.7479% | 4,441 |
| Cash dividends to net income (ytd only)* | 58.4009% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 6,646 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 46.4981% | 5,968 |
| Net loans and leases to deposits | 54.7930% | 5,996 |
| Net loans and leases to core deposits | 55.9292% | 6,163 |
| Total domestic deposits to total assets | 84.8613% | 3,920 |
| Equity capital to assets | 14.7384% | 835 |
| Core capital (leverage) ratio | 13.8195% | 868 |
| Tier 1 risk-based capital ratio | 23.1665% | 1,081 |
| Total risk-based capital ratio | 24.0596% | 1,100 |
| Memoranda: | ||
| Average total assets | $64,507,600 | 5,911 |
| Average earning assets | $60,824,800 | 5,841 |
| Average equity | $9,533,600 | 5,142 |
| Average total loans | $32,574,400 | 6,038 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8963% | 3,577 |
| Cost of funding earning assets | 0.7573% | 5,421 |
| Net interest margin | 4.1389% | 2,312 |
| Noninterest income to average assets | 0.4328% | 4,416 |
| Noninterest expense to average assets | 2.9355% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3340% | 1,300 |
| Return on assets (ROA) | 1.3340% | 1,389 |
| Pretax return on assets | 1.4281% | 1,855 |
| Return on Equity (ROE) | 9.0195% | 2,587 |
| Retained earnings to average equity (ytd only) | 5.7113% | 2,738 |
| Net charge-offs to loans | 0.0203% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 136.5277% | 276 |
| Efficiency ratio | 67.2736% | 4,472 |
| Assets per employee ($millions) | 3.5876% | 4,790 |
| Cash dividends to net income (ytd only)* | 36.6767% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 6,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 6,583 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 50.0736% | 5,691 |
| Net loans and leases to deposits | 62.3693% | 5,358 |
| Net loans and leases to core deposits | 64.1753% | 5,594 |
| Total domestic deposits to total assets | 80.2856% | 5,650 |
| Equity capital to assets | 15.4900% | 725 |
| Core capital (leverage) ratio | 14.1449% | 869 |
| Tier 1 risk-based capital ratio | 23.1284% | 1,135 |
| Total risk-based capital ratio | 23.9800% | 1,160 |
| Memoranda: | ||
| Average total assets | $63,768,750 | 5,970 |
| Average earning assets | $60,561,500 | 5,887 |
| Average equity | $9,431,250 | 5,196 |
| Average total loans | $32,788,500 | 6,085 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 3,394 |
| Cost of funding earning assets | 0.7963% | 5,393 |
| Net interest margin | 4.1548% | 2,214 |
| Noninterest income to average assets | 0.4095% | 4,603 |
| Noninterest expense to average assets | 3.0111% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2315% | 1,486 |
| Return on assets (ROA) | 1.2315% | 1,558 |
| Pretax return on assets | 1.3260% | 2,053 |
| Return on Equity (ROE) | 8.4626% | 2,732 |
| Retained earnings to average equity (ytd only) | 5.5407% | 2,671 |
| Net charge-offs to loans | 0.0061% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 421.0000% | 78 |
| Efficiency ratio | 69.4263% | 4,230 |
| Assets per employee ($millions) | 3.5340% | 4,844 |
| Cash dividends to net income (ytd only)* | 34.5269% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 6,090 |
| Loan loss allowance to noncurrent loans | 372.5275% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 6,291 |
| Noncurrent loans to loans | 0.2850% | 6,347 |
| Net loans and leases to total assets | 49.6667% | 5,868 |
| Net loans and leases to deposits | 60.2158% | 5,706 |
| Net loans and leases to core deposits | 61.9272% | 5,903 |
| Total domestic deposits to total assets | 82.4813% | 4,995 |
| Equity capital to assets | 15.1544% | 782 |
| Core capital (leverage) ratio | 13.9161% | 890 |
| Tier 1 risk-based capital ratio | 22.9358% | 1,128 |
| Total risk-based capital ratio | 23.8045% | 1,161 |
| Memoranda: | ||
| Average total assets | $63,499,330 | 6,029 |
| Average earning assets | $60,027,000 | 5,958 |
| Average equity | $9,240,670 | 5,256 |
| Average total loans | $32,827,670 | 6,143 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 3,129 |
| Cost of funding earning assets | 0.8426% | 5,317 |
| Net interest margin | 4.1522% | 2,071 |
| Noninterest income to average assets | 0.4350% | 4,413 |
| Noninterest expense to average assets | 3.0831% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1475% | 1,675 |
| Return on assets (ROA) | 1.1475% | 1,724 |
| Pretax return on assets | 1.2358% | 2,245 |
| Return on Equity (ROE) | 8.0522% | 2,887 |
| Retained earnings to average equity (ytd only) | 5.3976% | 2,958 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3869% | 3,979 |
| Assets per employee ($millions) | 3.6288% | 4,698 |
| Cash dividends to net income (ytd only)* | 32.9670% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,210 |
| Loan loss allowance to noncurrent loans | 85.3904% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 5,464 |
| Noncurrent loans to loans | 1.2345% | 4,624 |
| Net loans and leases to total assets | 48.7148% | 5,992 |
| Net loans and leases to deposits | 57.0169% | 6,026 |
| Net loans and leases to core deposits | 58.5314% | 6,208 |
| Total domestic deposits to total assets | 85.4392% | 3,815 |
| Equity capital to assets | 13.9913% | 1,011 |
| Core capital (leverage) ratio | 13.5633% | 948 |
| Tier 1 risk-based capital ratio | 22.1680% | 1,204 |
| Total risk-based capital ratio | 23.0204% | 1,236 |
| Memoranda: | ||
| Average total assets | $63,443,000 | 6,082 |
| Average earning assets | $59,342,500 | 6,019 |
| Average equity | $9,041,000 | 5,315 |
| Average total loans | $33,275,000 | 6,167 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3956% | 2,691 |
| Cost of funding earning assets | 1.0659% | 5,337 |
| Net interest margin | 4.3297% | 1,716 |
| Noninterest income to average assets | 0.4501% | 4,514 |
| Noninterest expense to average assets | 2.9021% | 4,215 |
| Loan and lease loss provision to assets | 0.0645% | 6,501 |
| Net operating income to assets | 1.4857% | 789 |
| Return on assets (ROA) | 1.4857% | 852 |
| Pretax return on assets | 1.5986% | 1,133 |
| Return on Equity (ROE) | 10.1928% | 1,856 |
| Retained earnings to average equity (ytd only) | 4.4490% | 2,747 |
| Net charge-offs to loans | 0.1973% | 5,113 |
| Credit loss provision to net charge-offs | 56.3380% | 6,148 |
| Earnings coverage of net charge-offs (x) | 14.5211% | 1,334 |
| Efficiency ratio | 63.5689% | 5,421 |
| Assets per employee ($millions) | 3.4204% | 5,123 |
| Cash dividends to net income (ytd only)* | 56.3518% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 6,432 |
| Loan loss allowance to noncurrent loans | 81.1456% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 5,368 |
| Noncurrent loans to loans | 1.2183% | 4,693 |
| Net loans and leases to total assets | 55.3072% | 5,441 |
| Net loans and leases to deposits | 65.1021% | 5,508 |
| Net loans and leases to core deposits | 67.2878% | 5,743 |
| Total domestic deposits to total assets | 84.9546% | 3,872 |
| Equity capital to assets | 14.5256% | 899 |
| Core capital (leverage) ratio | 13.8134% | 890 |
| Tier 1 risk-based capital ratio | 21.1343% | 1,297 |
| Total risk-based capital ratio | 21.9608% | 1,344 |
| Memoranda: | ||
| Average total assets | $61,990,000 | 6,125 |
| Average earning assets | $58,918,000 | 6,029 |
| Average equity | $9,035,800 | 5,411 |
| Average total loans | $35,982,200 | 6,112 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 3,081 |
| Cost of funding earning assets | 1.1241% | 5,289 |
| Net interest margin | 4.2351% | 2,088 |
| Noninterest income to average assets | 0.4488% | 4,569 |
| Noninterest expense to average assets | 2.8708% | 4,202 |
| Loan and lease loss provision to assets | 0.0429% | 6,659 |
| Net operating income to assets | 1.4622% | 994 |
| Return on assets (ROA) | 1.4622% | 1,072 |
| Pretax return on assets | 1.5717% | 1,415 |
| Return on Equity (ROE) | 10.0230% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.1816% | 2,272 |
| Net charge-offs to loans | 0.2602% | 4,390 |
| Credit loss provision to net charge-offs | 28.1690% | 6,172 |
| Earnings coverage of net charge-offs (x) | 10.5920% | 1,871 |
| Efficiency ratio | 64.0019% | 5,234 |
| Assets per employee ($millions) | 3.4583% | 5,083 |
| Cash dividends to net income (ytd only)* | 38.3257% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 6,802 |
| Loan loss allowance to noncurrent loans | 63.2411% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 5,204 |
| Noncurrent loans to loans | 1.3912% | 4,537 |
| Net loans and leases to total assets | 57.9149% | 5,277 |
| Net loans and leases to deposits | 69.8330% | 5,177 |
| Net loans and leases to core deposits | 72.2268% | 5,486 |
| Total domestic deposits to total assets | 82.9333% | 4,620 |
| Equity capital to assets | 15.1004% | 867 |
| Core capital (leverage) ratio | 13.9979% | 921 |
| Tier 1 risk-based capital ratio | 20.3020% | 1,484 |
| Total risk-based capital ratio | 21.0477% | 1,556 |
| Memoranda: | ||
| Average total assets | $62,095,750 | 6,189 |
| Average earning assets | $59,186,000 | 6,091 |
| Average equity | $9,059,000 | 5,476 |
| Average total loans | $36,380,000 | 6,183 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 3,414 |
| Cost of funding earning assets | 1.1826% | 5,223 |
| Net interest margin | 4.1288% | 2,435 |
| Noninterest income to average assets | 0.4610% | 4,427 |
| Noninterest expense to average assets | 2.9012% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3958% | 1,100 |
| Return on assets (ROA) | 1.3958% | 1,164 |
| Pretax return on assets | 1.4989% | 1,559 |
| Return on Equity (ROE) | 9.6810% | 2,218 |
| Retained earnings to average equity (ytd only) | 5.8578% | 2,412 |
| Net charge-offs to loans | 0.0165% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 227 |
| Efficiency ratio | 65.9341% | 4,992 |
| Assets per employee ($millions) | 3.4734% | 4,986 |
| Cash dividends to net income (ytd only)* | 39.4919% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 6,483 |
| Loan loss allowance to noncurrent loans | 45.8853% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 4,584 |
| Noncurrent loans to loans | 2.1362% | 3,545 |
| Net loans and leases to total assets | 59.4607% | 5,165 |
| Net loans and leases to deposits | 75.2840% | 4,467 |
| Net loans and leases to core deposits | 77.9796% | 4,957 |
| Total domestic deposits to total assets | 78.9818% | 6,044 |
| Equity capital to assets | 14.6221% | 968 |
| Core capital (leverage) ratio | 13.7748% | 983 |
| Tier 1 risk-based capital ratio | 19.5887% | 1,583 |
| Total risk-based capital ratio | 20.4314% | 1,641 |
| Memoranda: | ||
| Average total assets | $62,044,330 | 6,234 |
| Average earning assets | $59,193,330 | 6,133 |
| Average equity | $8,945,330 | 5,518 |
| Average total loans | $36,382,670 | 6,228 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2192% | 3,921 |
| Cost of funding earning assets | 1.2706% | 4,999 |
| Net interest margin | 3.9485% | 3,111 |
| Noninterest income to average assets | 0.4919% | 4,111 |
| Noninterest expense to average assets | 3.1065% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0485% | 2,010 |
| Return on assets (ROA) | 1.0485% | 2,070 |
| Pretax return on assets | 1.1261% | 2,648 |
| Return on Equity (ROE) | 7.3245% | 3,196 |
| Retained earnings to average equity (ytd only) | 3.9335% | 3,778 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3945% | 3,690 |
| Assets per employee ($millions) | 3.4150% | 5,247 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 6,320 |
| Loan loss allowance to noncurrent loans | 40.1081% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 4,249 |
| Noncurrent loans to loans | 2.5686% | 3,101 |
| Net loans and leases to total assets | 57.9811% | 5,441 |
| Net loans and leases to deposits | 69.0637% | 5,465 |
| Net loans and leases to core deposits | 71.3877% | 5,783 |
| Total domestic deposits to total assets | 83.9531% | 4,167 |
| Equity capital to assets | 14.4656% | 1,015 |
| Core capital (leverage) ratio | 13.5471% | 1,073 |
| Tier 1 risk-based capital ratio | 19.8531% | 1,551 |
| Total risk-based capital ratio | 20.7321% | 1,595 |
| Memoranda: | ||
| Average total assets | $61,805,500 | 6,318 |
| Average earning assets | $58,553,500 | 6,224 |
| Average equity | $8,847,000 | 5,582 |
| Average total loans | $35,802,000 | 6,326 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7204% | 3,006 |
| Cost of funding earning assets | 1.5814% | 5,117 |
| Net interest margin | 4.1389% | 2,288 |
| Noninterest income to average assets | 0.4541% | 4,770 |
| Noninterest expense to average assets | 2.8955% | 4,544 |
| Loan and lease loss provision to assets | 0.0331% | 7,200 |
| Net operating income to assets | 1.3127% | 1,010 |
| Return on assets (ROA) | 1.3127% | 1,053 |
| Pretax return on assets | 1.4121% | 1,400 |
| Return on Equity (ROE) | 9.1537% | 1,975 |
| Retained earnings to average equity (ytd only) | 3.9528% | 2,435 |
| Net charge-offs to loans | 0.0477% | 6,625 |
| Credit loss provision to net charge-offs | 117.6471% | 4,605 |
| Earnings coverage of net charge-offs (x) | 51.2941% | 508 |
| Efficiency ratio | 66.7048% | 5,244 |
| Assets per employee ($millions) | 3.4523% | 5,123 |
| Cash dividends to net income (ytd only)* | 56.8182% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 6,165 |
| Loan loss allowance to noncurrent loans | 98.1481% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 5,935 |
| Noncurrent loans to loans | 1.0620% | 5,198 |
| Net loans and leases to total assets | 56.6792% | 5,873 |
| Net loans and leases to deposits | 66.7368% | 5,975 |
| Net loans and leases to core deposits | 81.9017% | 5,917 |
| Total domestic deposits to total assets | 84.9294% | 3,586 |
| Equity capital to assets | 14.1646% | 1,119 |
| Core capital (leverage) ratio | 13.8288% | 1,013 |
| Tier 1 risk-based capital ratio | 19.1860% | 1,614 |
| Total risk-based capital ratio | 20.0444% | 1,660 |
| Memoranda: | ||
| Average total assets | $60,334,600 | 6,337 |
| Average earning assets | $56,657,000 | 6,265 |
| Average equity | $8,652,200 | 5,717 |
| Average total loans | $35,631,400 | 6,326 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 2,997 |
| Cost of funding earning assets | 1.6481% | 5,170 |
| Net interest margin | 4.1298% | 2,285 |
| Noninterest income to average assets | 0.4431% | 4,951 |
| Noninterest expense to average assets | 2.9368% | 4,290 |
| Loan and lease loss provision to assets | 0.0445% | 6,925 |
| Net operating income to assets | 1.2513% | 1,342 |
| Return on assets (ROA) | 1.2513% | 1,406 |
| Pretax return on assets | 1.3448% | 1,832 |
| Return on Equity (ROE) | 8.6980% | 2,375 |
| Retained earnings to average equity (ytd only) | 4.5192% | 2,746 |
| Net charge-offs to loans | 0.0037% | 6,934 |
| Credit loss provision to net charge-offs | 2,000.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 625.5489% | 46 |
| Efficiency ratio | 67.8847% | 5,003 |
| Assets per employee ($millions) | 3.2481% | 5,523 |
| Cash dividends to net income (ytd only)* | 48.0429% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,923 |
| Loan loss allowance to noncurrent loans | 180.8411% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 6,569 |
| Noncurrent loans to loans | 0.5897% | 6,134 |
| Net loans and leases to total assets | 61.4128% | 5,346 |
| Net loans and leases to deposits | 73.9242% | 5,373 |
| Net loans and leases to core deposits | 92.0287% | 5,230 |
| Total domestic deposits to total assets | 83.0753% | 4,184 |
| Equity capital to assets | 15.1783% | 955 |
| Core capital (leverage) ratio | 13.9558% | 1,104 |
| Tier 1 risk-based capital ratio | 19.1354% | 1,713 |
| Total risk-based capital ratio | 20.0339% | 1,756 |
| Memoranda: | ||
| Average total assets | $59,883,000 | 6,393 |
| Average earning assets | $56,304,500 | 6,321 |
| Average equity | $8,614,750 | 5,784 |
| Average total loans | $35,641,250 | 6,368 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7733% | 3,175 |
| Cost of funding earning assets | 1.7256% | 5,145 |
| Net interest margin | 4.0477% | 2,512 |
| Noninterest income to average assets | 0.4341% | 4,997 |
| Noninterest expense to average assets | 2.8763% | 4,594 |
| Loan and lease loss provision to assets | 0.0663% | 6,545 |
| Net operating income to assets | 1.1797% | 1,534 |
| Return on assets (ROA) | 1.1797% | 1,618 |
| Pretax return on assets | 1.2691% | 2,107 |
| Return on Equity (ROE) | 8.3486% | 2,634 |
| Retained earnings to average equity (ytd only) | 4.5495% | 2,764 |
| Net charge-offs to loans | 0.0056% | 6,531 |
| Credit loss provision to net charge-offs | 2,000.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 91 |
| Efficiency ratio | 68.2927% | 5,104 |
| Assets per employee ($millions) | 3.4808% | 4,858 |
| Cash dividends to net income (ytd only)* | 45.5056% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 5,645 |
| Loan loss allowance to noncurrent loans | 56.3319% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 4,616 |
| Noncurrent loans to loans | 1.9420% | 3,612 |
| Net loans and leases to total assets | 59.1290% | 5,821 |
| Net loans and leases to deposits | 69.7367% | 6,014 |
| Net loans and leases to core deposits | 87.1674% | 5,797 |
| Total domestic deposits to total assets | 84.7889% | 3,358 |
| Equity capital to assets | 14.4760% | 1,171 |
| Core capital (leverage) ratio | 13.4011% | 1,301 |
| Tier 1 risk-based capital ratio | 19.2320% | 1,736 |
| Total risk-based capital ratio | 20.1459% | 1,754 |
| Memoranda: | ||
| Average total assets | $60,355,670 | 6,437 |
| Average earning assets | $56,328,330 | 6,371 |
| Average equity | $8,528,330 | 5,835 |
| Average total loans | $35,424,330 | 6,442 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7258% | 3,663 |
| Cost of funding earning assets | 1.8382% | 4,926 |
| Net interest margin | 3.8876% | 3,084 |
| Noninterest income to average assets | 0.4332% | 4,930 |
| Noninterest expense to average assets | 2.9797% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0042% | 2,298 |
| Return on assets (ROA) | 1.0042% | 2,435 |
| Pretax return on assets | 1.0764% | 3,075 |
| Return on Equity (ROE) | 7.1920% | 3,507 |
| Retained earnings to average equity (ytd only) | 3.8075% | 3,770 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4628% | 3,923 |
| Assets per employee ($millions) | 3.3797% | 5,127 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 5,729 |
| Loan loss allowance to noncurrent loans | 39.4427% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 3,635 |
| Noncurrent loans to loans | 2.6961% | 2,434 |
| Net loans and leases to total assets | 56.2794% | 6,197 |
| Net loans and leases to deposits | 65.9889% | 6,376 |
| Net loans and leases to core deposits | 84.3712% | 6,032 |
| Total domestic deposits to total assets | 85.2862% | 3,071 |
| Equity capital to assets | 14.0727% | 1,343 |
| Core capital (leverage) ratio | 13.0494% | 1,465 |
| Tier 1 risk-based capital ratio | 20.3926% | 1,547 |
| Total risk-based capital ratio | 21.3270% | 1,564 |
| Memoranda: | ||
| Average total assets | $60,946,500 | 6,440 |
| Average earning assets | $56,795,500 | 6,385 |
| Average equity | $8,509,500 | 5,877 |
| Average total loans | $35,448,500 | 6,467 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4642% | 3,141 |
| Cost of funding earning assets | 2.2847% | 5,229 |
| Net interest margin | 4.1794% | 2,392 |
| Noninterest income to average assets | 0.5672% | 4,099 |
| Noninterest expense to average assets | 2.8154% | 4,759 |
| Loan and lease loss provision to assets | 0.0681% | 6,540 |
| Net operating income to assets | 1.5278% | 966 |
| Return on assets (ROA) | 1.5278% | 934 |
| Pretax return on assets | 1.6436% | 1,278 |
| Return on Equity (ROE) | 11.2089% | 1,843 |
| Retained earnings to average equity (ytd only) | 5.5482% | 1,744 |
| Net charge-offs to loans | 0.1439% | 4,775 |
| Credit loss provision to net charge-offs | 81.6327% | 5,865 |
| Earnings coverage of net charge-offs (x) | 20.5102% | 1,570 |
| Efficiency ratio | 62.1896% | 5,916 |
| Assets per employee ($millions) | 3.3922% | 4,965 |
| Cash dividends to net income (ytd only)* | 50.5017% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 5,894 |
| Loan loss allowance to noncurrent loans | 304.1322% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 6,776 |
| Noncurrent loans to loans | 0.3334% | 6,382 |
| Net loans and leases to total assets | 58.8349% | 6,084 |
| Net loans and leases to deposits | 68.9758% | 6,377 |
| Net loans and leases to core deposits | 84.4575% | 6,258 |
| Total domestic deposits to total assets | 85.2978% | 2,705 |
| Equity capital to assets | 13.8522% | 1,479 |
| Core capital (leverage) ratio | 13.3829% | 1,418 |
| Tier 1 risk-based capital ratio | 19.4343% | 1,720 |
| Total risk-based capital ratio | 20.3339% | 1,749 |
| Memoranda: | ||
| Average total assets | $58,713,000 | 6,422 |
| Average earning assets | $55,629,800 | 6,350 |
| Average equity | $8,002,600 | 6,085 |
| Average total loans | $34,048,000 | 6,484 |