Home > First National Bank in Paxton > Performance and Condition Ratios
First National Bank in Paxton, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1016% | 5,285 |
| Cost of funding earning assets | 0.2197% | 4,923 |
| Net interest margin | 2.8819% | 5,038 |
| Noninterest income to average assets | 0.6678% | 2,014 |
| Noninterest expense to average assets | 2.2612% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1631% | 2,335 |
| Return on assets (ROA) | 1.1631% | 2,341 |
| Pretax return on assets | 1.1631% | 3,087 |
| Return on Equity (ROE) | 12.0368% | 1,710 |
| Retained earnings to average equity (ytd only) | 3.6240% | 3,782 |
| 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 | 66.0336% | 2,973 |
| Assets per employee ($millions) | 4.6263% | 2,934 |
| Cash dividends to net income (ytd only)* | 69.8925% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,476 |
| Loan loss allowance to noncurrent loans | 735.5556% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 4,739 |
| Noncurrent loans to loans | 0.1442% | 4,249 |
| Net loans and leases to total assets | 39.2552% | 5,078 |
| Net loans and leases to deposits | 43.5678% | 5,155 |
| Net loans and leases to core deposits | 45.9228% | 5,153 |
| Total domestic deposits to total assets | 90.1013% | 539 |
| Equity capital to assets | 9.7245% | 3,895 |
| Core capital (leverage) ratio | 10.2094% | 3,351 |
| Tier 1 risk-based capital ratio | 20.5711% | 1,234 |
| Total risk-based capital ratio | 21.4158% | 1,268 |
| Memoranda: | ||
| Average total assets | $79,958,670 | 4,515 |
| Average earning assets | $76,477,000 | 4,462 |
| Average equity | $7,726,330 | 4,739 |
| Average total loans | $32,753,000 | 4,845 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9959% | 5,377 |
| Cost of funding earning assets | 0.2121% | 4,942 |
| Net interest margin | 2.7838% | 5,172 |
| Noninterest income to average assets | 0.5954% | 2,281 |
| Noninterest expense to average assets | 2.2130% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0519% | 2,636 |
| Return on assets (ROA) | 1.0519% | 2,648 |
| Pretax return on assets | 1.0519% | 3,353 |
| Return on Equity (ROE) | 10.9201% | 2,003 |
| Retained earnings to average equity (ytd only) | 3.1936% | 3,929 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7812% | 2,868 |
| Assets per employee ($millions) | 4.7251% | 2,821 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,773 |
| Loan loss allowance to noncurrent loans | 719.5652% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,807 |
| Noncurrent loans to loans | 0.1433% | 4,323 |
| Net loans and leases to total assets | 39.5414% | 5,087 |
| Net loans and leases to deposits | 43.7650% | 5,164 |
| Net loans and leases to core deposits | 46.6724% | 5,138 |
| Total domestic deposits to total assets | 90.3493% | 521 |
| Equity capital to assets | 9.5473% | 4,047 |
| Core capital (leverage) ratio | 10.0171% | 3,513 |
| Tier 1 risk-based capital ratio | 20.3254% | 1,288 |
| Total risk-based capital ratio | 21.1683% | 1,330 |
| Memoranda: | ||
| Average total assets | $80,614,500 | 4,552 |
| Average earning assets | $77,305,500 | 4,505 |
| Average equity | $7,765,500 | 4,785 |
| Average total loans | $33,527,500 | 4,878 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9466% | 5,390 |
| Cost of funding earning assets | 0.1628% | 5,194 |
| Net interest margin | 2.7838% | 5,188 |
| Noninterest income to average assets | 0.6386% | 2,255 |
| Noninterest expense to average assets | 2.2728% | 4,405 |
| Loan and lease loss provision to assets | 0.0123% | 4,044 |
| Net operating income to assets | 1.0263% | 2,130 |
| Return on assets (ROA) | 1.0263% | 2,164 |
| Pretax return on assets | 1.0263% | 3,472 |
| Return on Equity (ROE) | 10.4832% | 1,683 |
| Retained earnings to average equity (ytd only) | 1.9986% | 4,123 |
| Net charge-offs to loans | 0.0030% | 3,998 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 844.0000% | 101 |
| Efficiency ratio | 68.6362% | 2,769 |
| Assets per employee ($millions) | 4.7590% | 2,788 |
| Cash dividends to net income (ytd only)* | 80.9353% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,232 |
| Loan loss allowance to noncurrent loans | 675.5102% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 4,819 |
| Noncurrent loans to loans | 0.1402% | 4,363 |
| Net loans and leases to total assets | 42.8056% | 5,041 |
| Net loans and leases to deposits | 47.4963% | 5,141 |
| Net loans and leases to core deposits | 50.8741% | 5,104 |
| Total domestic deposits to total assets | 90.1240% | 529 |
| Equity capital to assets | 9.7178% | 4,009 |
| Core capital (leverage) ratio | 9.7531% | 3,742 |
| Tier 1 risk-based capital ratio | 18.8434% | 1,544 |
| Total risk-based capital ratio | 19.6308% | 1,639 |
| Memoranda: | ||
| Average total assets | $81,266,400 | 4,564 |
| Average earning assets | $78,022,000 | 4,495 |
| Average equity | $7,955,600 | 4,786 |
| Average total loans | $32,860,200 | 4,928 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8932% | 5,484 |
| Cost of funding earning assets | 0.1551% | 5,284 |
| Net interest margin | 2.7380% | 5,290 |
| Noninterest income to average assets | 0.6195% | 2,364 |
| Noninterest expense to average assets | 2.2059% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0456% | 2,352 |
| Return on assets (ROA) | 1.0456% | 2,388 |
| Pretax return on assets | 1.0456% | 3,505 |
| Return on Equity (ROE) | 10.6611% | 1,842 |
| Retained earnings to average equity (ytd only) | 1.8882% | 4,681 |
| Net charge-offs to loans | 0.0041% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 639.5865% | 161 |
| Efficiency ratio | 67.8427% | 2,901 |
| Assets per employee ($millions) | 4.7365% | 2,780 |
| Cash dividends to net income (ytd only)* | 82.2877% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 4,139 |
| Loan loss allowance to noncurrent loans | 594.4444% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 4,897 |
| Noncurrent loans to loans | 0.1660% | 4,397 |
| Net loans and leases to total assets | 40.0057% | 5,199 |
| Net loans and leases to deposits | 44.5140% | 5,301 |
| Net loans and leases to core deposits | 47.2352% | 5,281 |
| Total domestic deposits to total assets | 89.8722% | 516 |
| Equity capital to assets | 9.9663% | 3,949 |
| Core capital (leverage) ratio | 9.7444% | 3,888 |
| Tier 1 risk-based capital ratio | 19.8083% | 1,408 |
| Total risk-based capital ratio | 20.6158% | 1,462 |
| Memoranda: | ||
| Average total assets | $81,357,250 | 4,605 |
| Average earning assets | $78,205,750 | 4,531 |
| Average equity | $7,979,000 | 4,837 |
| Average total loans | $32,334,750 | 5,002 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8492% | 5,534 |
| Cost of funding earning assets | 0.1504% | 5,336 |
| Net interest margin | 2.6988% | 5,359 |
| Noninterest income to average assets | 0.6174% | 2,381 |
| Noninterest expense to average assets | 2.2368% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9751% | 2,549 |
| Return on assets (ROA) | 0.9751% | 2,595 |
| Pretax return on assets | 0.9751% | 3,659 |
| Return on Equity (ROE) | 9.9954% | 2,038 |
| Retained earnings to average equity (ytd only) | 1.4566% | 4,661 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6415% | 2,742 |
| Assets per employee ($millions) | 4.8572% | 2,579 |
| Cash dividends to net income (ytd only)* | 85.4271% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,797 |
| Loan loss allowance to noncurrent loans | 1,610.0000% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,174 |
| Noncurrent loans to loans | 0.0658% | 4,861 |
| Net loans and leases to total assets | 36.4078% | 5,364 |
| Net loans and leases to deposits | 40.3758% | 5,444 |
| Net loans and leases to core deposits | 42.7949% | 5,428 |
| Total domestic deposits to total assets | 90.1723% | 476 |
| Equity capital to assets | 9.6666% | 4,260 |
| Core capital (leverage) ratio | 9.7200% | 3,872 |
| Tier 1 risk-based capital ratio | 20.2790% | 1,309 |
| Total risk-based capital ratio | 21.1141% | 1,362 |
| Memoranda: | ||
| Average total assets | $81,636,000 | 4,634 |
| Average earning assets | $78,479,330 | 4,558 |
| Average equity | $7,963,670 | 4,866 |
| Average total loans | $32,268,330 | 5,033 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8595% | 5,566 |
| Cost of funding earning assets | 0.1489% | 5,384 |
| Net interest margin | 2.7106% | 5,383 |
| Noninterest income to average assets | 0.4386% | 3,389 |
| Noninterest expense to average assets | 2.1930% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8476% | 3,000 |
| Return on assets (ROA) | 0.8476% | 3,044 |
| Pretax return on assets | 0.8476% | 3,946 |
| Return on Equity (ROE) | 8.6492% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.6492% | 1,209 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1232% | 2,551 |
| Assets per employee ($millions) | 4.7358% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 4,087 |
| Loan loss allowance to noncurrent loans | 1,610.0000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 5,224 |
| Noncurrent loans to loans | 0.0641% | 4,944 |
| Net loans and leases to total assets | 38.3671% | 5,310 |
| Net loans and leases to deposits | 42.6868% | 5,397 |
| Net loans and leases to core deposits | 45.1950% | 5,384 |
| Total domestic deposits to total assets | 89.8806% | 714 |
| Equity capital to assets | 10.0250% | 3,722 |
| Core capital (leverage) ratio | 9.7176% | 3,850 |
| Tier 1 risk-based capital ratio | 20.6593% | 1,275 |
| Total risk-based capital ratio | 21.4978% | 1,309 |
| Memoranda: | ||
| Average total assets | $81,167,500 | 4,693 |
| Average earning assets | $77,916,500 | 4,612 |
| Average equity | $7,954,500 | 4,906 |
| Average total loans | $33,210,000 | 5,049 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8790% | 5,595 |
| Cost of funding earning assets | 0.1488% | 5,436 |
| Net interest margin | 2.7302% | 5,383 |
| Noninterest income to average assets | 0.6533% | 2,406 |
| Noninterest expense to average assets | 2.3311% | 4,484 |
| Loan and lease loss provision to assets | 0.0125% | 4,128 |
| Net operating income to assets | 0.9329% | 2,661 |
| Return on assets (ROA) | 0.9329% | 2,771 |
| Pretax return on assets | 0.9329% | 3,718 |
| Return on Equity (ROE) | 9.1653% | 2,336 |
| Retained earnings to average equity (ytd only) | 1.0348% | 4,905 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1443% | 2,718 |
| Assets per employee ($millions) | 4.8133% | 2,626 |
| Cash dividends to net income (ytd only)* | 88.7097% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 4,729 |
| Loan loss allowance to noncurrent loans | 1,533.3333% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,283 |
| Noncurrent loans to loans | 0.0596% | 5,005 |
| Net loans and leases to total assets | 42.6356% | 5,199 |
| Net loans and leases to deposits | 47.2365% | 5,325 |
| Net loans and leases to core deposits | 49.5477% | 5,315 |
| Total domestic deposits to total assets | 90.2598% | 537 |
| Equity capital to assets | 9.5789% | 4,189 |
| Core capital (leverage) ratio | 9.7634% | 3,790 |
| Tier 1 risk-based capital ratio | 18.6139% | 1,698 |
| Total risk-based capital ratio | 19.3861% | 1,780 |
| Memoranda: | ||
| Average total assets | $79,749,200 | 4,736 |
| Average earning assets | $76,623,400 | 4,659 |
| Average equity | $8,117,600 | 4,913 |
| Average total loans | $33,570,800 | 5,082 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8738% | 5,676 |
| Cost of funding earning assets | 0.1471% | 5,502 |
| Net interest margin | 2.7267% | 5,457 |
| Noninterest income to average assets | 0.6664% | 2,336 |
| Noninterest expense to average assets | 2.3290% | 4,461 |
| Loan and lease loss provision to assets | 0.0168% | 3,909 |
| Net operating income to assets | 0.9407% | 2,701 |
| Return on assets (ROA) | 0.9407% | 2,831 |
| Pretax return on assets | 0.9407% | 3,843 |
| Return on Equity (ROE) | 9.1030% | 2,448 |
| Retained earnings to average equity (ytd only) | 0.7979% | 5,147 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8653% | 2,765 |
| Assets per employee ($millions) | 4.6877% | 2,767 |
| Cash dividends to net income (ytd only)* | 91.2345% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,640 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 5,095 |
| Noncurrent loans to loans | 0.2046% | 4,537 |
| Net loans and leases to total assets | 41.9219% | 5,297 |
| Net loans and leases to deposits | 46.8555% | 5,419 |
| Net loans and leases to core deposits | 49.5315% | 5,404 |
| Total domestic deposits to total assets | 89.4706% | 681 |
| Equity capital to assets | 10.3663% | 3,727 |
| Core capital (leverage) ratio | 9.7943% | 3,813 |
| Tier 1 risk-based capital ratio | 19.5314% | 1,544 |
| Total risk-based capital ratio | 20.3453% | 1,607 |
| Memoranda: | ||
| Average total assets | $79,230,000 | 4,783 |
| Average earning assets | $76,134,750 | 4,712 |
| Average equity | $8,187,500 | 4,949 |
| Average total loans | $33,161,250 | 5,144 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8652% | 5,764 |
| Cost of funding earning assets | 0.1472% | 5,566 |
| Net interest margin | 2.7180% | 5,548 |
| Noninterest income to average assets | 0.6272% | 2,476 |
| Noninterest expense to average assets | 2.3142% | 4,571 |
| Loan and lease loss provision to assets | 0.0253% | 3,631 |
| Net operating income to assets | 0.9029% | 2,850 |
| Return on assets (ROA) | 0.9029% | 2,980 |
| Pretax return on assets | 0.9029% | 3,945 |
| Return on Equity (ROE) | 8.7468% | 2,612 |
| Retained earnings to average equity (ytd only) | 0.4165% | 5,175 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3729% | 2,765 |
| Assets per employee ($millions) | 4.7107% | 2,695 |
| Cash dividends to net income (ytd only)* | 95.2381% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,468 |
| Loan loss allowance to noncurrent loans | 225.1748% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 4,783 |
| Noncurrent loans to loans | 0.4480% | 3,763 |
| Net loans and leases to total assets | 39.4596% | 5,446 |
| Net loans and leases to deposits | 44.1310% | 5,561 |
| Net loans and leases to core deposits | 45.9369% | 5,567 |
| Total domestic deposits to total assets | 89.4146% | 723 |
| Equity capital to assets | 10.4331% | 3,708 |
| Core capital (leverage) ratio | 9.8168% | 3,791 |
| Tier 1 risk-based capital ratio | 20.2964% | 1,385 |
| Total risk-based capital ratio | 21.1456% | 1,441 |
| Memoranda: | ||
| Average total assets | $79,076,330 | 4,837 |
| Average earning assets | $76,086,330 | 4,753 |
| Average equity | $8,163,000 | 4,997 |
| Average total loans | $32,971,670 | 5,200 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8971% | 5,790 |
| Cost of funding earning assets | 0.1480% | 5,626 |
| Net interest margin | 2.7490% | 5,542 |
| Noninterest income to average assets | 0.5447% | 2,842 |
| Noninterest expense to average assets | 2.2552% | 4,769 |
| Loan and lease loss provision to assets | 0.0509% | 2,904 |
| Net operating income to assets | 0.8858% | 2,826 |
| Return on assets (ROA) | 0.8858% | 2,950 |
| Pretax return on assets | 0.8858% | 3,903 |
| Return on Equity (ROE) | 8.6277% | 2,594 |
| Retained earnings to average equity (ytd only) | 0.1983% | 5,058 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6539% | 3,012 |
| Assets per employee ($millions) | 4.6584% | 2,805 |
| Cash dividends to net income (ytd only)* | 97.7011% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 4,886 |
| Loan loss allowance to noncurrent loans | 181.9209% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 4,667 |
| Noncurrent loans to loans | 0.5185% | 3,629 |
| Net loans and leases to total assets | 42.7000% | 5,314 |
| Net loans and leases to deposits | 47.7108% | 5,432 |
| Net loans and leases to core deposits | 49.5240% | 5,456 |
| Total domestic deposits to total assets | 89.4977% | 836 |
| Equity capital to assets | 10.3710% | 3,656 |
| Core capital (leverage) ratio | 9.7687% | 3,820 |
| Tier 1 risk-based capital ratio | 19.3108% | 1,655 |
| Total risk-based capital ratio | 20.1201% | 1,727 |
| Memoranda: | ||
| Average total assets | $78,573,500 | 4,891 |
| Average earning assets | $75,663,000 | 4,809 |
| Average equity | $8,067,000 | 5,050 |
| Average total loans | $33,496,500 | 5,227 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8215% | 5,865 |
| Cost of funding earning assets | 0.1584% | 5,632 |
| Net interest margin | 2.6632% | 5,689 |
| Noninterest income to average assets | 0.6445% | 2,494 |
| Noninterest expense to average assets | 2.1823% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0189% | 2,265 |
| Return on assets (ROA) | 1.0189% | 2,341 |
| Pretax return on assets | 1.0189% | 3,387 |
| Return on Equity (ROE) | 10.1135% | 1,969 |
| Retained earnings to average equity (ytd only) | 1.0101% | 5,112 |
| Net charge-offs to loans | 0.0184% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 135.1667% | 455 |
| Efficiency ratio | 68.1711% | 3,540 |
| Assets per employee ($millions) | 4.5856% | 2,905 |
| Cash dividends to net income (ytd only)* | 90.0123% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 4,877 |
| Loan loss allowance to noncurrent loans | 158.3756% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 4,581 |
| Noncurrent loans to loans | 0.5996% | 3,373 |
| Net loans and leases to total assets | 41.7472% | 5,422 |
| Net loans and leases to deposits | 46.5513% | 5,538 |
| Net loans and leases to core deposits | 48.3904% | 5,553 |
| Total domestic deposits to total assets | 89.6799% | 766 |
| Equity capital to assets | 10.1610% | 3,794 |
| Core capital (leverage) ratio | 9.5842% | 4,067 |
| Tier 1 risk-based capital ratio | 20.5811% | 1,369 |
| Total risk-based capital ratio | 21.4175% | 1,422 |
| Memoranda: | ||
| Average total assets | $79,594,000 | 4,885 |
| Average earning assets | $76,412,800 | 4,804 |
| Average equity | $8,019,000 | 5,060 |
| Average total loans | $32,635,800 | 5,271 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7822% | 5,968 |
| Cost of funding earning assets | 0.1616% | 5,694 |
| Net interest margin | 2.6206% | 5,815 |
| Noninterest income to average assets | 0.6766% | 2,342 |
| Noninterest expense to average assets | 2.1448% | 5,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0449% | 2,245 |
| Return on assets (ROA) | 1.0449% | 2,338 |
| Pretax return on assets | 1.0449% | 3,431 |
| Return on Equity (ROE) | 10.3932% | 1,933 |
| Retained earnings to average equity (ytd only) | 2.4368% | 4,657 |
| Net charge-offs to loans | 0.0246% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 104.4975% | 598 |
| Efficiency ratio | 67.2414% | 3,670 |
| Assets per employee ($millions) | 4.5572% | 2,907 |
| Cash dividends to net income (ytd only)* | 76.5545% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 4,845 |
| Loan loss allowance to noncurrent loans | 169.5652% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 4,807 |
| Noncurrent loans to loans | 0.5774% | 3,602 |
| Net loans and leases to total assets | 40.7277% | 5,557 |
| Net loans and leases to deposits | 45.6628% | 5,667 |
| Net loans and leases to core deposits | 47.4903% | 5,673 |
| Total domestic deposits to total assets | 89.1924% | 919 |
| Equity capital to assets | 10.5843% | 3,499 |
| Core capital (leverage) ratio | 9.5782% | 4,201 |
| Tier 1 risk-based capital ratio | 20.7618% | 1,391 |
| Total risk-based capital ratio | 21.5982% | 1,436 |
| Memoranda: | ||
| Average total assets | $80,003,750 | 4,927 |
| Average earning assets | $76,722,750 | 4,852 |
| Average equity | $8,043,500 | 5,120 |
| Average total loans | $32,580,750 | 5,340 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7256% | 6,065 |
| Cost of funding earning assets | 0.1600% | 5,777 |
| Net interest margin | 2.5656% | 5,911 |
| Noninterest income to average assets | 0.6605% | 2,415 |
| Noninterest expense to average assets | 2.1299% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9895% | 2,439 |
| Return on assets (ROA) | 0.9895% | 2,552 |
| Pretax return on assets | 0.9895% | 3,624 |
| Return on Equity (ROE) | 10.0108% | 2,063 |
| Retained earnings to average equity (ytd only) | 2.5027% | 4,462 |
| Net charge-offs to loans | 0.0548% | 2,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 44.4444% | 1,045 |
| Efficiency ratio | 68.2791% | 3,638 |
| Assets per employee ($millions) | 4.8764% | 2,429 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 4,930 |
| Loan loss allowance to noncurrent loans | 150.7317% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 4,885 |
| Noncurrent loans to loans | 0.6548% | 3,512 |
| Net loans and leases to total assets | 37.3917% | 5,760 |
| Net loans and leases to deposits | 41.4587% | 5,858 |
| Net loans and leases to core deposits | 42.6644% | 5,875 |
| Total domestic deposits to total assets | 90.1904% | 582 |
| Equity capital to assets | 9.6673% | 4,445 |
| Core capital (leverage) ratio | 9.6396% | 4,089 |
| Tier 1 risk-based capital ratio | 20.1698% | 1,512 |
| Total risk-based capital ratio | 20.9795% | 1,574 |
| Memoranda: | ||
| Average total assets | $80,847,330 | 4,957 |
| Average earning assets | $77,486,670 | 4,880 |
| Average equity | $7,991,330 | 5,170 |
| Average total loans | $32,819,330 | 5,377 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7327% | 6,108 |
| Cost of funding earning assets | 0.1672% | 5,797 |
| Net interest margin | 2.5655% | 5,956 |
| Noninterest income to average assets | 0.7968% | 1,722 |
| Noninterest expense to average assets | 2.1698% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0874% | 1,913 |
| Return on assets (ROA) | 1.0874% | 2,027 |
| Pretax return on assets | 1.0874% | 3,133 |
| Return on Equity (ROE) | 10.8772% | 1,666 |
| Retained earnings to average equity (ytd only) | 3.3584% | 3,968 |
| Net charge-offs to loans | 0.1072% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.1111% | 1,303 |
| Efficiency ratio | 66.6154% | 4,049 |
| Assets per employee ($millions) | 5.0160% | 2,336 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 5,154 |
| Loan loss allowance to noncurrent loans | 237.6923% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 5,309 |
| Noncurrent loans to loans | 0.4097% | 4,358 |
| Net loans and leases to total assets | 39.1497% | 5,651 |
| Net loans and leases to deposits | 43.6141% | 5,775 |
| Net loans and leases to core deposits | 45.1911% | 5,789 |
| Total domestic deposits to total assets | 89.7640% | 864 |
| Equity capital to assets | 10.0728% | 4,057 |
| Core capital (leverage) ratio | 9.5043% | 4,271 |
| Tier 1 risk-based capital ratio | 20.2660% | 1,563 |
| Total risk-based capital ratio | 21.0830% | 1,623 |
| Memoranda: | ||
| Average total assets | $79,822,000 | 5,025 |
| Average earning assets | $76,553,500 | 4,952 |
| Average equity | $7,980,000 | 5,216 |
| Average total loans | $33,576,000 | 5,385 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7580% | 6,228 |
| Cost of funding earning assets | 0.2055% | 5,700 |
| Net interest margin | 2.5525% | 6,112 |
| Noninterest income to average assets | 0.6297% | 2,681 |
| Noninterest expense to average assets | 2.1171% | 5,532 |
| Loan and lease loss provision to assets | 0.0882% | 2,705 |
| Net operating income to assets | 0.8803% | 2,971 |
| Return on assets (ROA) | 0.9043% | 2,939 |
| Pretax return on assets | 0.9043% | 3,890 |
| Return on Equity (ROE) | 9.2753% | 2,453 |
| Retained earnings to average equity (ytd only) | 1.5244% | 5,068 |
| Net charge-offs to loans | 0.0942% | 3,156 |
| Credit loss provision to net charge-offs | 225.8065% | 1,114 |
| Earnings coverage of net charge-offs (x) | 24.8065% | 1,517 |
| Efficiency ratio | 68.6122% | 3,790 |
| Assets per employee ($millions) | 4.9618% | 2,370 |
| Cash dividends to net income (ytd only)* | 83.5655% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 5,481 |
| Loan loss allowance to noncurrent loans | 213.4228% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 5,277 |
| Noncurrent loans to loans | 0.4206% | 4,377 |
| Net loans and leases to total assets | 44.2195% | 5,447 |
| Net loans and leases to deposits | 49.1729% | 5,622 |
| Net loans and leases to core deposits | 51.1064% | 5,658 |
| Total domestic deposits to total assets | 89.9267% | 768 |
| Equity capital to assets | 9.9209% | 4,213 |
| Core capital (leverage) ratio | 9.4853% | 4,266 |
| Tier 1 risk-based capital ratio | 19.8869% | 1,616 |
| Total risk-based capital ratio | 20.7194% | 1,699 |
| Memoranda: | ||
| Average total assets | $79,402,000 | 5,079 |
| Average earning assets | $76,394,800 | 4,974 |
| Average equity | $7,741,000 | 5,257 |
| Average total loans | $32,918,000 | 5,451 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7014% | 6,330 |
| Cost of funding earning assets | 0.2147% | 5,719 |
| Net interest margin | 2.4868% | 6,239 |
| Noninterest income to average assets | 0.5474% | 3,217 |
| Noninterest expense to average assets | 2.0603% | 5,660 |
| Loan and lease loss provision to assets | 0.0756% | 2,834 |
| Net operating income to assets | 0.8043% | 3,413 |
| Return on assets (ROA) | 0.8211% | 3,425 |
| Pretax return on assets | 0.8211% | 4,281 |
| Return on Equity (ROE) | 8.4593% | 2,962 |
| Retained earnings to average equity (ytd only) | 1.5396% | 5,272 |
| Net charge-offs to loans | 0.0661% | 3,254 |
| Credit loss provision to net charge-offs | 281.2500% | 954 |
| Earnings coverage of net charge-offs (x) | 32.7543% | 1,296 |
| Efficiency ratio | 70.0742% | 3,493 |
| Assets per employee ($millions) | 5.0096% | 2,228 |
| Cash dividends to net income (ytd only)* | 81.8001% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 5,570 |
| Loan loss allowance to noncurrent loans | 206.7114% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 5,469 |
| Noncurrent loans to loans | 0.4403% | 4,579 |
| Net loans and leases to total assets | 41.8345% | 5,688 |
| Net loans and leases to deposits | 46.4394% | 5,845 |
| Net loans and leases to core deposits | 47.8844% | 5,888 |
| Total domestic deposits to total assets | 90.0841% | 696 |
| Equity capital to assets | 9.7512% | 4,483 |
| Core capital (leverage) ratio | 9.5060% | 4,362 |
| Tier 1 risk-based capital ratio | 20.2496% | 1,602 |
| Total risk-based capital ratio | 21.0726% | 1,684 |
| Memoranda: | ||
| Average total assets | $79,405,500 | 5,136 |
| Average earning assets | $76,402,750 | 5,029 |
| Average equity | $7,707,250 | 5,312 |
| Average total loans | $32,291,750 | 5,529 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6765% | 6,409 |
| Cost of funding earning assets | 0.2233% | 5,719 |
| Net interest margin | 2.4532% | 6,317 |
| Noninterest income to average assets | 0.5483% | 3,141 |
| Noninterest expense to average assets | 2.0643% | 5,700 |
| Loan and lease loss provision to assets | 0.0884% | 2,554 |
| Net operating income to assets | 0.7555% | 3,541 |
| Return on assets (ROA) | 0.7807% | 3,525 |
| Pretax return on assets | 0.7807% | 4,348 |
| Return on Equity (ROE) | 8.0563% | 3,059 |
| Retained earnings to average equity (ytd only) | 1.2775% | 5,236 |
| Net charge-offs to loans | 0.1007% | 2,674 |
| Credit loss provision to net charge-offs | 218.7500% | 1,087 |
| Earnings coverage of net charge-offs (x) | 20.8750% | 1,567 |
| Efficiency ratio | 70.9818% | 3,500 |
| Assets per employee ($millions) | 4.7604% | 2,530 |
| Cash dividends to net income (ytd only)* | 84.1424% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 5,447 |
| Loan loss allowance to noncurrent loans | 127.3504% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 5,210 |
| Noncurrent loans to loans | 0.7676% | 3,787 |
| Net loans and leases to total assets | 37.3032% | 5,993 |
| Net loans and leases to deposits | 41.3353% | 6,098 |
| Net loans and leases to core deposits | 42.5297% | 6,133 |
| Total domestic deposits to total assets | 90.2454% | 690 |
| Equity capital to assets | 9.6310% | 4,584 |
| Core capital (leverage) ratio | 9.5623% | 4,236 |
| Tier 1 risk-based capital ratio | 21.8650% | 1,279 |
| Total risk-based capital ratio | 22.7304% | 1,324 |
| Memoranda: | ||
| Average total assets | $79,156,000 | 5,176 |
| Average earning assets | $76,144,670 | 5,067 |
| Average equity | $7,671,000 | 5,353 |
| Average total loans | $31,775,670 | 5,589 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6843% | 6,475 |
| Cost of funding earning assets | 0.2343% | 5,717 |
| Net interest margin | 2.4499% | 6,373 |
| Noninterest income to average assets | 0.3731% | 4,403 |
| Noninterest expense to average assets | 2.0084% | 5,867 |
| Loan and lease loss provision to assets | 0.1278% | 1,903 |
| Net operating income to assets | 0.5877% | 4,246 |
| Return on assets (ROA) | 0.6388% | 4,093 |
| Pretax return on assets | 0.6388% | 4,700 |
| Return on Equity (ROE) | 6.5707% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.5707% | 2,243 |
| Net charge-offs to loans | 0.1974% | 1,550 |
| Credit loss provision to net charge-offs | 156.2500% | 1,223 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 1,991 |
| Efficiency ratio | 73.7336% | 3,197 |
| Assets per employee ($millions) | 4.9349% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 5,669 |
| Loan loss allowance to noncurrent loans | 123.0769% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 5,273 |
| Noncurrent loans to loans | 0.7791% | 3,911 |
| Net loans and leases to total assets | 37.6740% | 5,964 |
| Net loans and leases to deposits | 41.8124% | 6,085 |
| Net loans and leases to core deposits | 43.0467% | 6,120 |
| Total domestic deposits to total assets | 90.1025% | 1,012 |
| Equity capital to assets | 9.7874% | 4,124 |
| Core capital (leverage) ratio | 9.7212% | 3,968 |
| Tier 1 risk-based capital ratio | 22.4029% | 1,229 |
| Total risk-based capital ratio | 23.2514% | 1,269 |
| Memoranda: | ||
| Average total assets | $78,271,000 | 5,251 |
| Average earning assets | $75,104,000 | 5,145 |
| Average equity | $7,609,500 | 5,388 |
| Average total loans | $32,420,500 | 5,616 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6170% | 6,582 |
| Cost of funding earning assets | 0.2768% | 5,789 |
| Net interest margin | 2.3402% | 6,492 |
| Noninterest income to average assets | 0.5849% | 3,182 |
| Noninterest expense to average assets | 2.2345% | 5,543 |
| Loan and lease loss provision to assets | 0.0128% | 4,866 |
| Net operating income to assets | 0.5824% | 4,347 |
| Return on assets (ROA) | 0.5952% | 4,401 |
| Pretax return on assets | 0.5952% | 4,889 |
| Return on Equity (ROE) | 6.1332% | 4,009 |
| Retained earnings to average equity (ytd only) | 2.1678% | 4,704 |
| Net charge-offs to loans | 0.1030% | 3,797 |
| Credit loss provision to net charge-offs | 32.2581% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.9677% | 1,910 |
| Efficiency ratio | 78.9665% | 2,326 |
| Assets per employee ($millions) | 4.5637% | 2,789 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 6,175 |
| Loan loss allowance to noncurrent loans | 74.2021% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 4,785 |
| Noncurrent loans to loans | 1.0803% | 3,365 |
| Net loans and leases to total assets | 44.5033% | 5,631 |
| Net loans and leases to deposits | 49.6899% | 5,793 |
| Net loans and leases to core deposits | 51.2856% | 5,853 |
| Total domestic deposits to total assets | 89.5621% | 1,293 |
| Equity capital to assets | 9.6555% | 4,214 |
| Core capital (leverage) ratio | 9.5117% | 4,244 |
| Tier 1 risk-based capital ratio | 20.0547% | 1,640 |
| Total risk-based capital ratio | 20.8027% | 1,732 |
| Memoranda: | ||
| Average total assets | $77,959,200 | 5,284 |
| Average earning assets | $74,779,800 | 5,179 |
| Average equity | $7,565,400 | 5,445 |
| Average total loans | $30,089,200 | 5,760 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5251% | 6,688 |
| Cost of funding earning assets | 0.2831% | 5,867 |
| Net interest margin | 2.2419% | 6,624 |
| Noninterest income to average assets | 0.5910% | 3,210 |
| Noninterest expense to average assets | 2.1950% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5466% | 4,597 |
| Return on assets (ROA) | 0.5637% | 4,662 |
| Pretax return on assets | 0.5637% | 5,155 |
| Return on Equity (ROE) | 5.8016% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.2855% | 4,958 |
| Net charge-offs to loans | 0.1430% | 3,112 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.3233% | 2,374 |
| Efficiency ratio | 80.0623% | 2,091 |
| Assets per employee ($millions) | 4.7964% | 2,444 |
| Cash dividends to net income (ytd only)* | 60.6059% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 6,202 |
| Loan loss allowance to noncurrent loans | 112.0833% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 5,378 |
| Noncurrent loans to loans | 0.7479% | 4,351 |
| Net loans and leases to total assets | 39.0267% | 6,106 |
| Net loans and leases to deposits | 43.1017% | 6,258 |
| Net loans and leases to core deposits | 44.5075% | 6,277 |
| Total domestic deposits to total assets | 90.5456% | 727 |
| Equity capital to assets | 9.3060% | 4,797 |
| Core capital (leverage) ratio | 9.4775% | 4,442 |
| Tier 1 risk-based capital ratio | 20.7910% | 1,535 |
| Total risk-based capital ratio | 21.5423% | 1,632 |
| Memoranda: | ||
| Average total assets | $78,053,250 | 5,337 |
| Average earning assets | $74,873,250 | 5,228 |
| Average equity | $7,584,000 | 5,497 |
| Average total loans | $28,910,000 | 5,869 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5058% | 6,731 |
| Cost of funding earning assets | 0.2956% | 5,861 |
| Net interest margin | 2.2102% | 6,677 |
| Noninterest income to average assets | 0.6165% | 3,095 |
| Noninterest expense to average assets | 2.2213% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5150% | 4,735 |
| Return on assets (ROA) | 0.5150% | 4,905 |
| Pretax return on assets | 0.5150% | 5,321 |
| Return on Equity (ROE) | 5.2224% | 4,607 |
| Retained earnings to average equity (ytd only) | 2.0573% | 4,969 |
| Net charge-offs to loans | 0.2298% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.1875% | 2,758 |
| Efficiency ratio | 81.1787% | 2,005 |
| Assets per employee ($millions) | 4.2599% | 3,236 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 6,119 |
| Loan loss allowance to noncurrent loans | 94.0351% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 5,190 |
| Noncurrent loans to loans | 0.9627% | 4,012 |
| Net loans and leases to total assets | 38.2569% | 6,166 |
| Net loans and leases to deposits | 42.4425% | 6,303 |
| Net loans and leases to core deposits | 43.7027% | 6,344 |
| Total domestic deposits to total assets | 90.1381% | 951 |
| Equity capital to assets | 9.7471% | 4,245 |
| Core capital (leverage) ratio | 9.5495% | 4,164 |
| Tier 1 risk-based capital ratio | 22.7882% | 1,168 |
| Total risk-based capital ratio | 23.6141% | 1,205 |
| Memoranda: | ||
| Average total assets | $76,891,330 | 5,392 |
| Average earning assets | $73,749,330 | 5,287 |
| Average equity | $7,582,670 | 5,543 |
| Average total loans | $27,849,670 | 5,940 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4344% | 6,836 |
| Cost of funding earning assets | 0.3090% | 5,903 |
| Net interest margin | 2.1254% | 6,802 |
| Noninterest income to average assets | 0.5299% | 3,573 |
| Noninterest expense to average assets | 2.1767% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3896% | 5,167 |
| Return on assets (ROA) | 0.3896% | 5,314 |
| Pretax return on assets | 0.3896% | 5,598 |
| Return on Equity (ROE) | 3.9282% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.9282% | 3,877 |
| Net charge-offs to loans | 0.3114% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 2,738 |
| Efficiency ratio | 84.8178% | 1,662 |
| Assets per employee ($millions) | 4.3258% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,688 |
| Loan loss allowance to noncurrent loans | 102.1978% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 5,389 |
| Noncurrent loans to loans | 1.0542% | 4,029 |
| Net loans and leases to total assets | 32.9010% | 6,471 |
| Net loans and leases to deposits | 36.5366% | 6,552 |
| Net loans and leases to core deposits | 37.7146% | 6,570 |
| Total domestic deposits to total assets | 90.0493% | 1,018 |
| Equity capital to assets | 9.8467% | 4,358 |
| Core capital (leverage) ratio | 9.5224% | 4,043 |
| Tier 1 risk-based capital ratio | 25.8282% | 802 |
| Total risk-based capital ratio | 26.8032% | 820 |
| Memoranda: | ||
| Average total assets | $76,997,500 | 5,436 |
| Average earning assets | $73,774,500 | 5,328 |
| Average equity | $7,637,000 | 5,599 |
| Average total loans | $26,973,000 | 6,028 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8152% | 6,848 |
| Cost of funding earning assets | 0.3822% | 6,038 |
| Net interest margin | 2.4330% | 6,754 |
| Noninterest income to average assets | 0.7946% | 2,284 |
| Noninterest expense to average assets | 2.3041% | 5,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8252% | 3,157 |
| Return on assets (ROA) | 0.8252% | 3,420 |
| Pretax return on assets | 0.8252% | 4,205 |
| Return on Equity (ROE) | 7.5984% | 3,290 |
| Retained earnings to average equity (ytd only) | -8.6751% | 6,599 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6306% | 3,129 |
| Assets per employee ($millions) | 4.2295% | 3,490 |
| Cash dividends to net income (ytd only)* | 214.1707% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 5,677 |
| Loan loss allowance to noncurrent loans | 187.5000% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 5,894 |
| Noncurrent loans to loans | 0.5704% | 5,103 |
| Net loans and leases to total assets | 36.4490% | 6,399 |
| Net loans and leases to deposits | 40.5669% | 6,523 |
| Net loans and leases to core deposits | 41.8215% | 6,552 |
| Total domestic deposits to total assets | 89.8491% | 1,040 |
| Equity capital to assets | 9.9920% | 4,173 |
| Core capital (leverage) ratio | 9.3894% | 4,268 |
| Tier 1 risk-based capital ratio | 23.5211% | 1,031 |
| Total risk-based capital ratio | 24.4856% | 1,057 |
| Memoranda: | ||
| Average total assets | $75,257,000 | 5,476 |
| Average earning assets | $72,215,400 | 5,358 |
| Average equity | $8,172,800 | 5,451 |
| Average total loans | $27,383,000 | 6,064 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8663% | 6,949 |
| Cost of funding earning assets | 0.3992% | 6,124 |
| Net interest margin | 2.4671% | 6,848 |
| Noninterest income to average assets | 0.7587% | 2,431 |
| Noninterest expense to average assets | 2.2228% | 5,901 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9080% | 2,944 |
| Return on assets (ROA) | 0.9080% | 3,175 |
| Pretax return on assets | 0.9080% | 4,072 |
| Return on Equity (ROE) | 8.1946% | 3,189 |
| Retained earnings to average equity (ytd only) | -0.7858% | 6,241 |
| Net charge-offs to loans | 0.0049% | 5,690 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 512.2707% | 84 |
| Efficiency ratio | 70.9989% | 3,506 |
| Assets per employee ($millions) | 4.2404% | 3,386 |
| Cash dividends to net income (ytd only)* | 109.5887% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 5,763 |
| Loan loss allowance to noncurrent loans | 467.1875% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 6,375 |
| Noncurrent loans to loans | 0.2332% | 6,023 |
| Net loans and leases to total assets | 35.5597% | 6,576 |
| Net loans and leases to deposits | 40.0071% | 6,674 |
| Net loans and leases to core deposits | 40.8341% | 6,710 |
| Total domestic deposits to total assets | 88.8835% | 1,493 |
| Equity capital to assets | 10.8912% | 3,391 |
| Core capital (leverage) ratio | 10.5550% | 2,854 |
| Tier 1 risk-based capital ratio | 26.3174% | 798 |
| Total risk-based capital ratio | 27.3039% | 803 |
| Memoranda: | ||
| Average total assets | $75,038,500 | 5,546 |
| Average earning assets | $72,147,500 | 5,424 |
| Average equity | $8,314,250 | 5,470 |
| Average total loans | $27,216,500 | 6,150 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9446% | 6,992 |
| Cost of funding earning assets | 0.4183% | 6,173 |
| Net interest margin | 2.5263% | 6,867 |
| Noninterest income to average assets | 0.7479% | 2,424 |
| Noninterest expense to average assets | 2.1740% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0026% | 2,456 |
| Return on assets (ROA) | 1.0026% | 2,669 |
| Pretax return on assets | 1.0026% | 3,703 |
| Return on Equity (ROE) | 8.9961% | 2,816 |
| Retained earnings to average equity (ytd only) | -0.6254% | 6,151 |
| Net charge-offs to loans | 0.0147% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 240 |
| Efficiency ratio | 68.4388% | 4,052 |
| Assets per employee ($millions) | 4.4839% | 2,932 |
| Cash dividends to net income (ytd only)* | 106.9519% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,591 |
| Loan loss allowance to noncurrent loans | 342.5287% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 6,381 |
| Noncurrent loans to loans | 0.3336% | 5,883 |
| Net loans and leases to total assets | 33.8231% | 6,731 |
| Net loans and leases to deposits | 38.0187% | 6,803 |
| Net loans and leases to core deposits | 38.7909% | 6,841 |
| Total domestic deposits to total assets | 88.9644% | 1,525 |
| Equity capital to assets | 10.8808% | 3,253 |
| Core capital (leverage) ratio | 10.5421% | 2,762 |
| Tier 1 risk-based capital ratio | 26.8624% | 734 |
| Total risk-based capital ratio | 27.8632% | 751 |
| Memoranda: | ||
| Average total assets | $74,608,670 | 5,589 |
| Average earning assets | $71,724,330 | 5,469 |
| Average equity | $8,314,670 | 5,476 |
| Average total loans | $27,141,670 | 6,197 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0955% | 7,003 |
| Cost of funding earning assets | 0.4398% | 6,210 |
| Net interest margin | 2.6557% | 6,828 |
| Noninterest income to average assets | 0.7263% | 2,523 |
| Noninterest expense to average assets | 2.1680% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1111% | 2,031 |
| Return on assets (ROA) | 1.1111% | 2,214 |
| Pretax return on assets | 1.1111% | 3,282 |
| Return on Equity (ROE) | 9.8498% | 2,453 |
| Retained earnings to average equity (ytd only) | -0.2402% | 6,035 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1157% | 4,537 |
| Assets per employee ($millions) | 4.4196% | 3,156 |
| Cash dividends to net income (ytd only)* | 102.4390% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 5,733 |
| Loan loss allowance to noncurrent loans | 410.9589% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 6,511 |
| Noncurrent loans to loans | 0.2784% | 6,125 |
| Net loans and leases to total assets | 34.4988% | 6,712 |
| Net loans and leases to deposits | 38.8472% | 6,789 |
| Net loans and leases to core deposits | 39.8812% | 6,819 |
| Total domestic deposits to total assets | 88.8065% | 1,813 |
| Equity capital to assets | 11.0404% | 2,856 |
| Core capital (leverage) ratio | 10.8219% | 2,421 |
| Tier 1 risk-based capital ratio | 26.5036% | 763 |
| Total risk-based capital ratio | 27.4950% | 771 |
| Memoranda: | ||
| Average total assets | $73,800,000 | 5,656 |
| Average earning assets | $70,942,500 | 5,530 |
| Average equity | $8,325,000 | 5,491 |
| Average total loans | $27,672,500 | 6,210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 7,084 |
| Cost of funding earning assets | 0.6132% | 6,025 |
| Net interest margin | 2.7172% | 6,906 |
| Noninterest income to average assets | 0.6309% | 2,999 |
| Noninterest expense to average assets | 2.2902% | 6,061 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9464% | 2,430 |
| Return on assets (ROA) | 1.1102% | 1,909 |
| Pretax return on assets | 1.1102% | 2,801 |
| Return on Equity (ROE) | 10.0625% | 2,039 |
| Retained earnings to average equity (ytd only) | 0.6935% | 5,523 |
| Net charge-offs to loans | 0.0381% | 5,933 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 64.0909% | 464 |
| Efficiency ratio | 70.7590% | 3,816 |
| Assets per employee ($millions) | 4.2628% | 3,336 |
| Cash dividends to net income (ytd only)* | 93.1076% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 6,071 |
| Loan loss allowance to noncurrent loans | 405.4054% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 6,235 |
| Noncurrent loans to loans | 0.2541% | 6,222 |
| Net loans and leases to total assets | 39.7767% | 6,555 |
| Net loans and leases to deposits | 45.2065% | 6,665 |
| Net loans and leases to core deposits | 46.6273% | 6,711 |
| Total domestic deposits to total assets | 87.9890% | 2,165 |
| Equity capital to assets | 11.5294% | 2,475 |
| Core capital (leverage) ratio | 10.6712% | 2,553 |
| Tier 1 risk-based capital ratio | 24.2309% | 946 |
| Total risk-based capital ratio | 25.1366% | 961 |
| Memoranda: | ||
| Average total assets | $74,491,800 | 5,625 |
| Average earning assets | $71,433,400 | 5,487 |
| Average equity | $8,218,600 | 5,507 |
| Average total loans | $28,893,000 | 6,207 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3260% | 7,169 |
| Cost of funding earning assets | 0.6303% | 6,128 |
| Net interest margin | 2.6956% | 6,994 |
| Noninterest income to average assets | 0.4960% | 3,894 |
| Noninterest expense to average assets | 2.2098% | 6,256 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8711% | 2,855 |
| Return on assets (ROA) | 1.0880% | 2,162 |
| Pretax return on assets | 1.0880% | 3,062 |
| Return on Equity (ROE) | 9.9698% | 2,214 |
| Retained earnings to average equity (ytd only) | 1.4987% | 5,386 |
| Net charge-offs to loans | 0.0509% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 44.5344% | 711 |
| Efficiency ratio | 71.7253% | 3,609 |
| Assets per employee ($millions) | 4.4748% | 2,956 |
| Cash dividends to net income (ytd only)* | 84.9678% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 6,029 |
| Loan loss allowance to noncurrent loans | 405.4054% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 6,326 |
| Noncurrent loans to loans | 0.2605% | 6,352 |
| Net loans and leases to total assets | 36.9431% | 6,826 |
| Net loans and leases to deposits | 42.2182% | 6,902 |
| Net loans and leases to core deposits | 43.6145% | 6,932 |
| Total domestic deposits to total assets | 87.5051% | 2,348 |
| Equity capital to assets | 11.0226% | 3,121 |
| Core capital (leverage) ratio | 10.6048% | 2,755 |
| Tier 1 risk-based capital ratio | 24.8260% | 930 |
| Total risk-based capital ratio | 25.7500% | 942 |
| Memoranda: | ||
| Average total assets | $74,998,000 | 5,647 |
| Average earning assets | $71,917,000 | 5,518 |
| Average equity | $8,184,500 | 5,544 |
| Average total loans | $28,835,000 | 6,268 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 7,230 |
| Cost of funding earning assets | 0.6520% | 6,217 |
| Net interest margin | 2.7029% | 7,024 |
| Noninterest income to average assets | 0.4662% | 4,144 |
| Noninterest expense to average assets | 2.2133% | 6,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8414% | 2,897 |
| Return on assets (ROA) | 0.8440% | 2,982 |
| Pretax return on assets | 0.8440% | 3,856 |
| Return on Equity (ROE) | 7.7608% | 3,067 |
| Retained earnings to average equity (ytd only) | 0.1232% | 5,788 |
| Net charge-offs to loans | 0.0207% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 104.6667% | 347 |
| Efficiency ratio | 72.4561% | 3,644 |
| Assets per employee ($millions) | 4.1789% | 3,394 |
| Cash dividends to net income (ytd only)* | 98.4127% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,961 |
| Loan loss allowance to noncurrent loans | 416.2162% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 6,361 |
| Noncurrent loans to loans | 0.2642% | 6,396 |
| Net loans and leases to total assets | 36.8208% | 6,921 |
| Net loans and leases to deposits | 42.0646% | 6,989 |
| Net loans and leases to core deposits | 43.6813% | 7,017 |
| Total domestic deposits to total assets | 87.5341% | 2,450 |
| Equity capital to assets | 10.9610% | 3,003 |
| Core capital (leverage) ratio | 10.6451% | 2,573 |
| Tier 1 risk-based capital ratio | 25.4119% | 862 |
| Total risk-based capital ratio | 26.3934% | 880 |
| Memoranda: | ||
| Average total assets | $74,640,330 | 5,704 |
| Average earning assets | $71,477,670 | 5,570 |
| Average equity | $8,117,670 | 5,574 |
| Average total loans | $28,979,000 | 6,325 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3597% | 7,288 |
| Cost of funding earning assets | 0.6708% | 6,295 |
| Net interest margin | 2.6889% | 7,029 |
| Noninterest income to average assets | 0.4842% | 4,013 |
| Noninterest expense to average assets | 2.2058% | 6,407 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8447% | 2,802 |
| Return on assets (ROA) | 0.8554% | 2,815 |
| Pretax return on assets | 0.8554% | 3,680 |
| Return on Equity (ROE) | 7.8967% | 2,960 |
| Retained earnings to average equity (ytd only) | 0.4470% | 5,641 |
| Net charge-offs to loans | 0.0271% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 397 |
| Efficiency ratio | 72.3104% | 3,803 |
| Assets per employee ($millions) | 4.3711% | 3,087 |
| Cash dividends to net income (ytd only)* | 94.3396% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 6,061 |
| Loan loss allowance to noncurrent loans | 210.2041% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 6,203 |
| Noncurrent loans to loans | 0.5215% | 5,982 |
| Net loans and leases to total assets | 37.5204% | 6,930 |
| Net loans and leases to deposits | 42.7741% | 7,000 |
| Net loans and leases to core deposits | 44.5383% | 7,025 |
| Total domestic deposits to total assets | 87.7175% | 2,547 |
| Equity capital to assets | 10.8062% | 2,875 |
| Core capital (leverage) ratio | 10.5884% | 2,516 |
| Tier 1 risk-based capital ratio | 24.8149% | 896 |
| Total risk-based capital ratio | 25.7761% | 907 |
| Memoranda: | ||
| Average total assets | $74,350,000 | 5,748 |
| Average earning assets | $70,958,000 | 5,636 |
| Average equity | $8,054,000 | 5,589 |
| Average total loans | $29,466,000 | 6,357 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 7,250 |
| Cost of funding earning assets | 0.9229% | 6,060 |
| Net interest margin | 2.8825% | 6,921 |
| Noninterest income to average assets | 0.5034% | 4,139 |
| Noninterest expense to average assets | 2.3085% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9571% | 2,179 |
| Return on assets (ROA) | 0.9598% | 2,288 |
| Pretax return on assets | 0.9598% | 3,063 |
| Return on Equity (ROE) | 8.7013% | 2,419 |
| Retained earnings to average equity (ytd only) | -0.3295% | 5,675 |
| Net charge-offs to loans | 0.0515% | 6,275 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 44.4375% | 525 |
| Efficiency ratio | 70.6925% | 4,038 |
| Assets per employee ($millions) | 4.3759% | 3,073 |
| Cash dividends to net income (ytd only)* | 103.7868% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 6,328 |
| Loan loss allowance to noncurrent loans | 37.2455% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 1.3241% | 4,378 |
| Noncurrent loans to loans | 2.7162% | 2,803 |
| Net loans and leases to total assets | 40.9068% | 6,908 |
| Net loans and leases to deposits | 46.7034% | 7,011 |
| Net loans and leases to core deposits | 48.9614% | 7,023 |
| Total domestic deposits to total assets | 87.5886% | 2,493 |
| Equity capital to assets | 10.8588% | 2,808 |
| Core capital (leverage) ratio | 10.6764% | 2,396 |
| Tier 1 risk-based capital ratio | 23.4783% | 985 |
| Total risk-based capital ratio | 24.3946% | 999 |
| Memoranda: | ||
| Average total assets | $74,289,200 | 5,756 |
| Average earning assets | $71,188,800 | 5,625 |
| Average equity | $8,194,200 | 5,655 |
| Average total loans | $31,071,600 | 6,354 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 7,377 |
| Cost of funding earning assets | 0.9644% | 6,117 |
| Net interest margin | 2.8895% | 7,022 |
| Noninterest income to average assets | 0.4973% | 4,212 |
| Noninterest expense to average assets | 2.2675% | 6,415 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0000% | 2,237 |
| Return on assets (ROA) | 1.0000% | 2,352 |
| Pretax return on assets | 1.0000% | 3,184 |
| Return on Equity (ROE) | 9.0311% | 2,480 |
| Retained earnings to average equity (ytd only) | -0.3730% | 5,878 |
| Net charge-offs to loans | 0.0728% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 32.7592% | 821 |
| Efficiency ratio | 69.3956% | 4,189 |
| Assets per employee ($millions) | 4.4109% | 3,064 |
| Cash dividends to net income (ytd only)* | 104.1285% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 6,322 |
| Loan loss allowance to noncurrent loans | 38.7500% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 4,614 |
| Noncurrent loans to loans | 2.6210% | 3,002 |
| Net loans and leases to total assets | 40.2921% | 7,060 |
| Net loans and leases to deposits | 46.1140% | 7,170 |
| Net loans and leases to core deposits | 48.0105% | 7,203 |
| Total domestic deposits to total assets | 87.3748% | 2,333 |
| Equity capital to assets | 11.0996% | 2,853 |
| Core capital (leverage) ratio | 10.7568% | 2,461 |
| Tier 1 risk-based capital ratio | 23.8460% | 965 |
| Total risk-based capital ratio | 24.7734% | 975 |
| Memoranda: | ||
| Average total assets | $74,263,750 | 5,828 |
| Average earning assets | $71,198,500 | 5,695 |
| Average equity | $8,223,250 | 5,720 |
| Average total loans | $31,154,000 | 6,432 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 7,398 |
| Cost of funding earning assets | 1.0041% | 6,114 |
| Net interest margin | 2.9475% | 6,940 |
| Noninterest income to average assets | 0.4701% | 4,356 |
| Noninterest expense to average assets | 2.2696% | 6,440 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0240% | 2,101 |
| Return on assets (ROA) | 1.0240% | 2,179 |
| Pretax return on assets | 1.0240% | 3,027 |
| Return on Equity (ROE) | 9.2552% | 2,365 |
| Retained earnings to average equity (ytd only) | -0.5128% | 5,850 |
| Net charge-offs to loans | 0.1084% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 22.2941% | 1,138 |
| Efficiency ratio | 68.9089% | 4,398 |
| Assets per employee ($millions) | 4.2877% | 3,239 |
| Cash dividends to net income (ytd only)* | 105.5409% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,418 |
| Loan loss allowance to noncurrent loans | 40.1554% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 4,616 |
| Noncurrent loans to loans | 2.4828% | 3,168 |
| Net loans and leases to total assets | 42.2329% | 7,032 |
| Net loans and leases to deposits | 48.4421% | 7,145 |
| Net loans and leases to core deposits | 49.8874% | 7,215 |
| Total domestic deposits to total assets | 87.1822% | 2,440 |
| Equity capital to assets | 11.2469% | 2,643 |
| Core capital (leverage) ratio | 10.8122% | 2,389 |
| Tier 1 risk-based capital ratio | 23.5122% | 994 |
| Total risk-based capital ratio | 24.4264% | 1,021 |
| Memoranda: | ||
| Average total assets | $74,023,330 | 5,867 |
| Average earning assets | $70,908,330 | 5,743 |
| Average equity | $8,190,000 | 5,732 |
| Average total loans | $31,364,330 | 6,464 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 7,468 |
| Cost of funding earning assets | 1.0414% | 6,164 |
| Net interest margin | 2.9451% | 6,943 |
| Noninterest income to average assets | 0.4237% | 4,708 |
| Noninterest expense to average assets | 2.2255% | 6,619 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0189% | 2,116 |
| Return on assets (ROA) | 1.0189% | 2,176 |
| Pretax return on assets | 1.0189% | 3,017 |
| Return on Equity (ROE) | 9.2841% | 2,383 |
| Retained earnings to average equity (ytd only) | -0.4886% | 5,947 |
| Net charge-offs to loans | 0.2159% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 11.1765% | 1,674 |
| Efficiency ratio | 68.5950% | 4,606 |
| Assets per employee ($millions) | 4.1860% | 3,484 |
| Cash dividends to net income (ytd only)* | 105.2632% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 6,296 |
| Loan loss allowance to noncurrent loans | 41.2234% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 4,778 |
| Noncurrent loans to loans | 2.5141% | 3,161 |
| Net loans and leases to total assets | 39.2857% | 7,289 |
| Net loans and leases to deposits | 44.8032% | 7,372 |
| Net loans and leases to core deposits | 47.0148% | 7,396 |
| Total domestic deposits to total assets | 87.6851% | 2,244 |
| Equity capital to assets | 10.8297% | 2,929 |
| Core capital (leverage) ratio | 10.5147% | 2,609 |
| Tier 1 risk-based capital ratio | 21.1871% | 1,312 |
| Total risk-based capital ratio | 22.0097% | 1,354 |
| Memoranda: | ||
| Average total assets | $74,589,500 | 5,918 |
| Average earning assets | $71,440,500 | 5,802 |
| Average equity | $8,186,000 | 5,779 |
| Average total loans | $31,499,500 | 6,544 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 7,357 |
| Cost of funding earning assets | 1.3161% | 6,255 |
| Net interest margin | 3.2148% | 6,040 |
| Noninterest income to average assets | 0.5421% | 4,092 |
| Noninterest expense to average assets | 2.3553% | 6,590 |
| Loan and lease loss provision to assets | 0.1951% | 5,785 |
| Net operating income to assets | 1.0522% | 1,657 |
| Return on assets (ROA) | 1.0536% | 1,694 |
| Pretax return on assets | 1.0536% | 2,398 |
| Return on Equity (ROE) | 9.0916% | 1,996 |
| Retained earnings to average equity (ytd only) | -0.0481% | 4,946 |
| Net charge-offs to loans | 0.9622% | 2,480 |
| Credit loss provision to net charge-offs | 42.9448% | 6,807 |
| Earnings coverage of net charge-offs (x) | 2.7454% | 3,724 |
| Efficiency ratio | 65.3772% | 5,524 |
| Assets per employee ($millions) | 3.8858% | 4,058 |
| Cash dividends to net income (ytd only)* | 100.5291% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,452 |
| Loan loss allowance to noncurrent loans | 38.4254% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 4,788 |
| Noncurrent loans to loans | 2.5719% | 2,985 |
| Net loans and leases to total assets | 44.3730% | 7,097 |
| Net loans and leases to deposits | 50.8388% | 7,210 |
| Net loans and leases to core deposits | 61.0791% | 7,225 |
| Total domestic deposits to total assets | 87.2818% | 2,336 |
| Equity capital to assets | 11.1227% | 2,606 |
| Core capital (leverage) ratio | 10.5753% | 2,526 |
| Tier 1 risk-based capital ratio | 19.6810% | 1,525 |
| Total risk-based capital ratio | 20.4859% | 1,573 |
| Memoranda: | ||
| Average total assets | $71,752,600 | 5,948 |
| Average earning assets | $68,309,600 | 5,857 |
| Average equity | $8,315,400 | 5,831 |
| Average total loans | $33,881,200 | 6,403 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 7,424 |
| Cost of funding earning assets | 1.3665% | 6,344 |
| Net interest margin | 3.2272% | 5,926 |
| Noninterest income to average assets | 0.5765% | 3,880 |
| Noninterest expense to average assets | 2.3153% | 6,656 |
| Loan and lease loss provision to assets | 0.1872% | 5,503 |
| Net operating income to assets | 1.1418% | 1,602 |
| Return on assets (ROA) | 1.1436% | 1,669 |
| Pretax return on assets | 1.1436% | 2,436 |
| Return on Equity (ROE) | 9.7665% | 2,008 |
| Retained earnings to average equity (ytd only) | 0.0159% | 5,197 |
| Net charge-offs to loans | 1.2715% | 1,615 |
| Credit loss provision to net charge-offs | 30.7692% | 6,502 |
| Earnings coverage of net charge-offs (x) | 2.1846% | 4,186 |
| Efficiency ratio | 63.5336% | 5,836 |
| Assets per employee ($millions) | 3.9436% | 3,843 |
| Cash dividends to net income (ytd only)* | 99.8355% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 6,914 |
| Loan loss allowance to noncurrent loans | 35.6436% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 4,920 |
| Noncurrent loans to loans | 2.4197% | 3,113 |
| Net loans and leases to total assets | 44.1818% | 7,234 |
| Net loans and leases to deposits | 50.5992% | 7,381 |
| Net loans and leases to core deposits | 59.2462% | 7,427 |
| Total domestic deposits to total assets | 87.3173% | 2,002 |
| Equity capital to assets | 11.0918% | 2,930 |
| Core capital (leverage) ratio | 10.8434% | 2,533 |
| Tier 1 risk-based capital ratio | 20.3812% | 1,482 |
| Total risk-based capital ratio | 21.1151% | 1,546 |
| Memoranda: | ||
| Average total assets | $71,233,000 | 6,002 |
| Average earning assets | $67,714,250 | 5,918 |
| Average equity | $8,341,250 | 5,871 |
| Average total loans | $34,079,500 | 6,444 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 7,415 |
| Cost of funding earning assets | 1.4389% | 6,355 |
| Net interest margin | 3.2435% | 5,762 |
| Noninterest income to average assets | 0.5828% | 3,813 |
| Noninterest expense to average assets | 2.3685% | 6,561 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3057% | 1,218 |
| Return on assets (ROA) | 1.3057% | 1,297 |
| Pretax return on assets | 1.3057% | 2,010 |
| Return on Equity (ROE) | 10.9444% | 1,712 |
| Retained earnings to average equity (ytd only) | -0.0718% | 5,237 |
| Net charge-offs to loans | 0.0058% | 6,521 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 69 |
| Efficiency ratio | 64.4635% | 5,812 |
| Assets per employee ($millions) | 3.7778% | 4,153 |
| Cash dividends to net income (ytd only)* | 100.6565% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 2,859 |
| Loan loss allowance to noncurrent loans | 46.7580% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 1.5520% | 3,898 |
| Noncurrent loans to loans | 3.3620% | 2,092 |
| Net loans and leases to total assets | 44.6621% | 7,287 |
| Net loans and leases to deposits | 51.5178% | 7,407 |
| Net loans and leases to core deposits | 59.7640% | 7,462 |
| Total domestic deposits to total assets | 86.6925% | 2,409 |
| Equity capital to assets | 11.5828% | 2,482 |
| Core capital (leverage) ratio | 11.0906% | 2,338 |
| Tier 1 risk-based capital ratio | 20.8117% | 1,428 |
| Total risk-based capital ratio | 22.0640% | 1,392 |
| Memoranda: | ||
| Average total assets | $70,001,000 | 6,082 |
| Average earning assets | $66,717,670 | 5,983 |
| Average equity | $8,351,330 | 5,902 |
| Average total loans | $34,308,330 | 6,484 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 7,405 |
| Cost of funding earning assets | 1.5469% | 6,245 |
| Net interest margin | 3.2278% | 5,766 |
| Noninterest income to average assets | 0.6019% | 3,536 |
| Noninterest expense to average assets | 2.2804% | 6,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3890% | 1,165 |
| Return on assets (ROA) | 1.3890% | 1,256 |
| Pretax return on assets | 1.3890% | 1,999 |
| Return on Equity (ROE) | 11.4695% | 1,825 |
| Retained earnings to average equity (ytd only) | 0.4779% | 5,462 |
| Net charge-offs to loans | 0.0114% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 178 |
| Efficiency ratio | 62.1451% | 6,026 |
| Assets per employee ($millions) | 3.6514% | 4,445 |
| Cash dividends to net income (ytd only)* | 95.8333% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 2,890 |
| Loan loss allowance to noncurrent loans | 44.6382% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 1.6807% | 3,402 |
| Noncurrent loans to loans | 3.3939% | 1,889 |
| Net loans and leases to total assets | 47.9756% | 7,025 |
| Net loans and leases to deposits | 55.6096% | 7,179 |
| Net loans and leases to core deposits | 65.1924% | 7,271 |
| Total domestic deposits to total assets | 86.2721% | 2,573 |
| Equity capital to assets | 12.0487% | 2,227 |
| Core capital (leverage) ratio | 11.4924% | 2,153 |
| Tier 1 risk-based capital ratio | 20.1434% | 1,601 |
| Total risk-based capital ratio | 21.3935% | 1,552 |
| Memoranda: | ||
| Average total assets | $69,112,000 | 6,140 |
| Average earning assets | $65,680,000 | 6,047 |
| Average equity | $8,370,000 | 5,928 |
| Average total loans | $35,177,500 | 6,481 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4261% | 7,428 |
| Cost of funding earning assets | 2.0376% | 6,289 |
| Net interest margin | 3.3885% | 5,704 |
| Noninterest income to average assets | 0.5806% | 4,000 |
| Noninterest expense to average assets | 2.3297% | 6,617 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4253% | 1,178 |
| Return on assets (ROA) | 1.4253% | 1,131 |
| Pretax return on assets | 1.4253% | 1,887 |
| Return on Equity (ROE) | 11.7227% | 1,676 |
| Retained earnings to average equity (ytd only) | 0.4296% | 4,989 |
| Net charge-offs to loans | 0.0831% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 34.1071% | 1,062 |
| Efficiency ratio | 62.0429% | 5,945 |
| Assets per employee ($millions) | 3.6235% | 4,359 |
| Cash dividends to net income (ytd only)* | 96.3351% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 3,173 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 7,484 |
| Noncurrent loans to loans | 0.0520% | 7,299 |
| Net loans and leases to total assets | 52.3567% | 6,816 |
| Net loans and leases to deposits | 60.8566% | 7,026 |
| Net loans and leases to core deposits | 71.8678% | 7,088 |
| Total domestic deposits to total assets | 86.0328% | 2,385 |
| Equity capital to assets | 12.1734% | 2,173 |
| Core capital (leverage) ratio | 11.7597% | 2,097 |
| Tier 1 risk-based capital ratio | 18.9850% | 1,816 |
| Total risk-based capital ratio | 20.2027% | 1,779 |
| Memoranda: | ||
| Average total assets | $67,004,400 | 6,124 |
| Average earning assets | $62,771,200 | 6,064 |
| Average equity | $8,146,600 | 6,026 |
| Average total loans | $33,674,200 | 6,505 |