Home > First National Bank in Pratt > Performance and Condition Ratios
First National Bank in Pratt, 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 | 3.3348% | 5,110 |
| Cost of funding earning assets | 0.1645% | 5,182 |
| Net interest margin | 3.1703% | 4,575 |
| Noninterest income to average assets | 0.4361% | 3,247 |
| Noninterest expense to average assets | 2.4051% | 3,883 |
| Loan and lease loss provision to assets | 0.0233% | 3,454 |
| Net operating income to assets | 0.8643% | 3,609 |
| Return on assets (ROA) | 0.8643% | 3,611 |
| Pretax return on assets | 0.8837% | 4,012 |
| Return on Equity (ROE) | 8.1374% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.4954% | 2,312 |
| Net charge-offs to loans | 0.0118% | 2,737 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 504 |
| Efficiency ratio | 70.1580% | 2,283 |
| Assets per employee ($millions) | 6.0023% | 1,460 |
| Cash dividends to net income (ytd only)* | 20.1794% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 1,990 |
| Loan loss allowance to noncurrent loans | 50.2699% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 1,116 |
| Noncurrent loans to loans | 2.6662% | 463 |
| Net loans and leases to total assets | 47.0350% | 4,765 |
| Net loans and leases to deposits | 56.1471% | 4,746 |
| Net loans and leases to core deposits | 57.4923% | 4,814 |
| Total domestic deposits to total assets | 83.7709% | 3,141 |
| Equity capital to assets | 10.7743% | 2,862 |
| Core capital (leverage) ratio | 10.8717% | 2,638 |
| Tier 1 risk-based capital ratio | 17.7447% | 1,875 |
| Total risk-based capital ratio | 18.8056% | 1,882 |
| Memoranda: | ||
| Average total assets | $103,199,000 | 4,125 |
| Average earning assets | $93,618,000 | 4,153 |
| Average equity | $10,961,670 | 4,234 |
| Average total loans | $50,950,670 | 4,378 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2952% | 5,144 |
| Cost of funding earning assets | 0.1699% | 5,166 |
| Net interest margin | 3.1254% | 4,653 |
| Noninterest income to average assets | 0.4548% | 3,082 |
| Noninterest expense to average assets | 2.6518% | 3,188 |
| Loan and lease loss provision to assets | 0.0231% | 3,223 |
| Net operating income to assets | 0.5936% | 4,442 |
| Return on assets (ROA) | 0.5936% | 4,448 |
| Pretax return on assets | 0.6167% | 4,650 |
| Return on Equity (ROE) | 5.6279% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.7143% | 3,305 |
| Net charge-offs to loans | 0.0230% | 2,044 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 55.3333% | 885 |
| Efficiency ratio | 78.1030% | 1,347 |
| Assets per employee ($millions) | 5.6883% | 1,775 |
| Cash dividends to net income (ytd only)* | 16.2338% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,344 |
| Loan loss allowance to noncurrent loans | 48.9394% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 1,152 |
| Noncurrent loans to loans | 2.6127% | 501 |
| Net loans and leases to total assets | 48.7128% | 4,650 |
| Net loans and leases to deposits | 57.8579% | 4,592 |
| Net loans and leases to core deposits | 59.2321% | 4,688 |
| Total domestic deposits to total assets | 84.1938% | 3,238 |
| Equity capital to assets | 10.5528% | 3,022 |
| Core capital (leverage) ratio | 10.4218% | 3,038 |
| Tier 1 risk-based capital ratio | 16.8987% | 2,141 |
| Total risk-based capital ratio | 17.9231% | 2,169 |
| Memoranda: | ||
| Average total assets | $103,779,000 | 4,165 |
| Average earning assets | $94,196,500 | 4,189 |
| Average equity | $10,945,500 | 4,277 |
| Average total loans | $52,103,000 | 4,394 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1717% | 5,223 |
| Cost of funding earning assets | 0.1037% | 5,483 |
| Net interest margin | 3.0680% | 4,749 |
| Noninterest income to average assets | 0.5017% | 2,987 |
| Noninterest expense to average assets | 2.7439% | 2,981 |
| Loan and lease loss provision to assets | 0.9798% | 102 |
| Net operating income to assets | -0.4106% | 5,506 |
| Return on assets (ROA) | -0.4143% | 5,504 |
| Pretax return on assets | -0.4388% | 5,541 |
| Return on Equity (ROE) | -3.5941% | 5,508 |
| Retained earnings to average equity (ytd only) | -4.8631% | 5,429 |
| Net charge-offs to loans | 1.9616% | 69 |
| Credit loss provision to net charge-offs | 100.3015% | 2,550 |
| Earnings coverage of net charge-offs (x) | 0.5578% | 3,986 |
| Efficiency ratio | 80.9254% | 1,022 |
| Assets per employee ($millions) | 5.0080% | 2,464 |
| Cash dividends to net income (ytd only)* | -35.3081% | 5,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,798 |
| Loan loss allowance to noncurrent loans | 47.2100% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 1,120 |
| Noncurrent loans to loans | 2.5371% | 522 |
| Net loans and leases to total assets | 50.4336% | 4,625 |
| Net loans and leases to deposits | 60.4176% | 4,542 |
| Net loans and leases to core deposits | 61.8261% | 4,665 |
| Total domestic deposits to total assets | 83.4750% | 3,391 |
| Equity capital to assets | 10.5412% | 3,121 |
| Core capital (leverage) ratio | 10.2808% | 3,088 |
| Tier 1 risk-based capital ratio | 15.8120% | 2,506 |
| Total risk-based capital ratio | 16.7767% | 2,552 |
| Memoranda: | ||
| Average total assets | $101,861,600 | 4,205 |
| Average earning assets | $92,536,800 | 4,230 |
| Average equity | $11,741,600 | 4,179 |
| Average total loans | $50,724,200 | 4,440 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1906% | 5,241 |
| Cost of funding earning assets | 0.0873% | 5,602 |
| Net interest margin | 3.1033% | 4,710 |
| Noninterest income to average assets | 0.5107% | 2,966 |
| Noninterest expense to average assets | 2.8003% | 2,723 |
| Loan and lease loss provision to assets | 0.2877% | 554 |
| Net operating income to assets | 0.2321% | 5,322 |
| Return on assets (ROA) | 0.2270% | 5,340 |
| Pretax return on assets | 0.2323% | 5,359 |
| Return on Equity (ROE) | 1.9263% | 5,323 |
| Retained earnings to average equity (ytd only) | 0.5376% | 5,102 |
| Net charge-offs to loans | 0.0267% | 2,904 |
| Credit loss provision to net charge-offs | 2,180.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 39.8087% | 1,300 |
| Efficiency ratio | 81.7063% | 944 |
| Assets per employee ($millions) | 4.9005% | 2,573 |
| Cash dividends to net income (ytd only)* | 72.0926% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 1,107 |
| Loan loss allowance to noncurrent loans | 277.1242% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 3,880 |
| Noncurrent loans to loans | 0.5994% | 2,911 |
| Net loans and leases to total assets | 48.7844% | 4,776 |
| Net loans and leases to deposits | 60.2812% | 4,627 |
| Net loans and leases to core deposits | 61.7645% | 4,727 |
| Total domestic deposits to total assets | 80.9280% | 4,065 |
| Equity capital to assets | 11.7530% | 2,153 |
| Core capital (leverage) ratio | 11.1490% | 2,324 |
| Tier 1 risk-based capital ratio | 17.5554% | 1,994 |
| Total risk-based capital ratio | 18.8065% | 1,932 |
| Memoranda: | ||
| Average total assets | $101,035,000 | 4,262 |
| Average earning assets | $91,642,750 | 4,292 |
| Average equity | $11,905,500 | 4,192 |
| Average total loans | $49,984,500 | 4,505 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 5,258 |
| Cost of funding earning assets | 0.0791% | 5,658 |
| Net interest margin | 3.1055% | 4,666 |
| Noninterest income to average assets | 0.5179% | 2,911 |
| Noninterest expense to average assets | 2.7985% | 2,767 |
| Loan and lease loss provision to assets | 0.0239% | 3,519 |
| Net operating income to assets | 0.4957% | 4,717 |
| Return on assets (ROA) | 0.4880% | 4,773 |
| Pretax return on assets | 0.5019% | 5,002 |
| Return on Equity (ROE) | 4.1377% | 4,787 |
| Retained earnings to average equity (ytd only) | 2.2968% | 4,308 |
| Net charge-offs to loans | 0.0403% | 2,396 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,561 |
| Efficiency ratio | 81.4704% | 1,055 |
| Assets per employee ($millions) | 4.7342% | 2,745 |
| Cash dividends to net income (ytd only)* | 44.4898% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,219 |
| Loan loss allowance to noncurrent loans | 212.5828% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 3,907 |
| Noncurrent loans to loans | 0.6311% | 2,837 |
| Net loans and leases to total assets | 47.4889% | 4,852 |
| Net loans and leases to deposits | 54.9916% | 4,908 |
| Net loans and leases to core deposits | 56.3031% | 4,982 |
| Total domestic deposits to total assets | 86.3567% | 2,215 |
| Equity capital to assets | 12.3306% | 1,713 |
| Core capital (leverage) ratio | 11.3518% | 2,086 |
| Tier 1 risk-based capital ratio | 18.6598% | 1,678 |
| Total risk-based capital ratio | 19.7284% | 1,684 |
| Memoranda: | ||
| Average total assets | $100,410,000 | 4,301 |
| Average earning assets | $90,999,670 | 4,329 |
| Average equity | $11,842,330 | 4,214 |
| Average total loans | $49,628,670 | 4,540 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1489% | 5,307 |
| Cost of funding earning assets | 0.0743% | 5,731 |
| Net interest margin | 3.0745% | 4,723 |
| Noninterest income to average assets | 0.5272% | 2,784 |
| Noninterest expense to average assets | 2.7273% | 3,042 |
| Loan and lease loss provision to assets | 0.0238% | 3,270 |
| Net operating income to assets | 0.5510% | 4,375 |
| Return on assets (ROA) | 0.5510% | 4,420 |
| Pretax return on assets | 0.5629% | 4,811 |
| Return on Equity (ROE) | 4.7791% | 4,493 |
| Retained earnings to average equity (ytd only) | 2.9569% | 3,934 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7847% | 1,405 |
| Assets per employee ($millions) | 4.6311% | 2,954 |
| Cash dividends to net income (ytd only)* | 38.1295% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,542 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 3,459 |
| Noncurrent loans to loans | 0.8891% | 2,247 |
| Net loans and leases to total assets | 48.1612% | 4,809 |
| Net loans and leases to deposits | 55.2473% | 4,861 |
| Net loans and leases to core deposits | 56.5200% | 4,951 |
| Total domestic deposits to total assets | 87.1738% | 2,124 |
| Equity capital to assets | 11.5689% | 2,138 |
| Core capital (leverage) ratio | 11.2281% | 2,163 |
| Tier 1 risk-based capital ratio | 17.8841% | 1,912 |
| Total risk-based capital ratio | 18.9207% | 1,938 |
| Memoranda: | ||
| Average total assets | $100,905,500 | 4,331 |
| Average earning assets | $91,461,500 | 4,359 |
| Average equity | $11,634,000 | 4,277 |
| Average total loans | $50,515,500 | 4,545 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2171% | 5,275 |
| Cost of funding earning assets | 0.0777% | 5,782 |
| Net interest margin | 3.1394% | 4,613 |
| Noninterest income to average assets | 0.4371% | 3,638 |
| Noninterest expense to average assets | 2.7894% | 3,060 |
| Loan and lease loss provision to assets | 0.3871% | 412 |
| Net operating income to assets | 0.1232% | 5,536 |
| Return on assets (ROA) | 0.2260% | 5,431 |
| Pretax return on assets | 0.2340% | 5,451 |
| Return on Equity (ROE) | 1.8789% | 5,430 |
| Retained earnings to average equity (ytd only) | 1.1390% | 4,840 |
| Net charge-offs to loans | 0.7316% | 290 |
| Credit loss provision to net charge-offs | 98.9770% | 2,629 |
| Earnings coverage of net charge-offs (x) | 1.3171% | 3,999 |
| Efficiency ratio | 81.8705% | 1,215 |
| Assets per employee ($millions) | 4.3446% | 3,369 |
| Cash dividends to net income (ytd only)* | 39.3805% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,837 |
| Loan loss allowance to noncurrent loans | 115.5235% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 3,071 |
| Noncurrent loans to loans | 1.0796% | 1,928 |
| Net loans and leases to total assets | 50.7135% | 4,710 |
| Net loans and leases to deposits | 58.1133% | 4,780 |
| Net loans and leases to core deposits | 59.4775% | 4,886 |
| Total domestic deposits to total assets | 87.2666% | 1,995 |
| Equity capital to assets | 11.4895% | 2,180 |
| Core capital (leverage) ratio | 11.2452% | 2,128 |
| Tier 1 risk-based capital ratio | 17.0547% | 2,137 |
| Total risk-based capital ratio | 18.0389% | 2,183 |
| Memoranda: | ||
| Average total assets | $99,986,800 | 4,349 |
| Average earning assets | $91,323,600 | 4,362 |
| Average equity | $12,028,600 | 4,249 |
| Average total loans | $53,444,600 | 4,475 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2450% | 5,293 |
| Cost of funding earning assets | 0.0801% | 5,844 |
| Net interest margin | 3.1649% | 4,590 |
| Noninterest income to average assets | 0.4480% | 3,574 |
| Noninterest expense to average assets | 2.7932% | 3,030 |
| Loan and lease loss provision to assets | 0.5160% | 237 |
| Net operating income to assets | 0.0344% | 5,693 |
| Return on assets (ROA) | 0.1120% | 5,665 |
| Pretax return on assets | 0.1160% | 5,658 |
| Return on Equity (ROE) | 0.9206% | 5,651 |
| Retained earnings to average equity (ytd only) | 0.0438% | 5,332 |
| Net charge-offs to loans | 0.9658% | 179 |
| Credit loss provision to net charge-offs | 98.9770% | 2,400 |
| Earnings coverage of net charge-offs (x) | 1.0588% | 3,735 |
| Efficiency ratio | 80.9884% | 1,302 |
| Assets per employee ($millions) | 4.2234% | 3,555 |
| Cash dividends to net income (ytd only)* | 95.2321% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 3,076 |
| Loan loss allowance to noncurrent loans | 69.8361% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 2,207 |
| Noncurrent loans to loans | 1.7586% | 1,183 |
| Net loans and leases to total assets | 52.9036% | 4,581 |
| Net loans and leases to deposits | 61.3788% | 4,670 |
| Net loans and leases to core deposits | 62.8808% | 4,780 |
| Total domestic deposits to total assets | 86.1920% | 2,266 |
| Equity capital to assets | 12.5212% | 1,765 |
| Core capital (leverage) ratio | 11.2447% | 2,238 |
| Tier 1 risk-based capital ratio | 16.6383% | 2,362 |
| Total risk-based capital ratio | 17.6113% | 2,421 |
| Memoranda: | ||
| Average total assets | $100,002,000 | 4,384 |
| Average earning assets | $91,544,500 | 4,392 |
| Average equity | $12,165,500 | 4,261 |
| Average total loans | $53,976,750 | 4,496 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2614% | 5,347 |
| Cost of funding earning assets | 0.0821% | 5,917 |
| Net interest margin | 3.1792% | 4,611 |
| Noninterest income to average assets | 0.4537% | 3,495 |
| Noninterest expense to average assets | 2.7438% | 3,226 |
| Loan and lease loss provision to assets | 0.7647% | 141 |
| Net operating income to assets | -0.1426% | 5,834 |
| Return on assets (ROA) | -0.1090% | 5,834 |
| Pretax return on assets | -0.1070% | 5,832 |
| Return on Equity (ROE) | -0.9041% | 5,835 |
| Retained earnings to average equity (ytd only) | -1.9398% | 5,530 |
| Net charge-offs to loans | 1.4316% | 104 |
| Credit loss provision to net charge-offs | 98.7212% | 2,141 |
| Earnings coverage of net charge-offs (x) | 0.8056% | 3,481 |
| Efficiency ratio | 79.0000% | 1,636 |
| Assets per employee ($millions) | 4.4760% | 3,072 |
| Cash dividends to net income (ytd only)* | -114.5455% | 6,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 3,334 |
| Loan loss allowance to noncurrent loans | 52.5926% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 1,661 |
| Noncurrent loans to loans | 2.2892% | 800 |
| Net loans and leases to total assets | 53.2491% | 4,569 |
| Net loans and leases to deposits | 61.5909% | 4,689 |
| Net loans and leases to core deposits | 63.0726% | 4,805 |
| Total domestic deposits to total assets | 86.4562% | 2,191 |
| Equity capital to assets | 12.3475% | 1,871 |
| Core capital (leverage) ratio | 10.6349% | 2,810 |
| Tier 1 risk-based capital ratio | 16.2836% | 2,512 |
| Total risk-based capital ratio | 17.2461% | 2,584 |
| Memoranda: | ||
| Average total assets | $100,956,330 | 4,412 |
| Average earning assets | $92,538,000 | 4,411 |
| Average equity | $12,166,330 | 4,291 |
| Average total loans | $54,626,000 | 4,514 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3094% | 5,302 |
| Cost of funding earning assets | 0.0858% | 5,967 |
| Net interest margin | 3.2235% | 4,503 |
| Noninterest income to average assets | 0.4618% | 3,403 |
| Noninterest expense to average assets | 2.7711% | 3,182 |
| Loan and lease loss provision to assets | 0.2231% | 850 |
| Net operating income to assets | 0.3934% | 5,013 |
| Return on assets (ROA) | 0.4579% | 4,881 |
| Pretax return on assets | 0.4736% | 5,155 |
| Return on Equity (ROE) | 3.8455% | 4,939 |
| Retained earnings to average equity (ytd only) | 1.7749% | 4,556 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0564% | 1,740 |
| Assets per employee ($millions) | 4.4030% | 3,248 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 3,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 53.9488% | 4,461 |
| Net loans and leases to deposits | 63.6411% | 4,465 |
| Net loans and leases to core deposits | 65.1592% | 4,608 |
| Total domestic deposits to total assets | 84.7704% | 3,220 |
| Equity capital to assets | 12.1003% | 1,956 |
| Core capital (leverage) ratio | 10.6754% | 2,764 |
| Tier 1 risk-based capital ratio | 15.7934% | 2,784 |
| Total risk-based capital ratio | 16.8027% | 2,822 |
| Memoranda: | ||
| Average total assets | $102,198,000 | 4,427 |
| Average earning assets | $93,190,500 | 4,441 |
| Average equity | $12,170,000 | 4,304 |
| Average total loans | $55,401,500 | 4,517 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2496% | 5,432 |
| Cost of funding earning assets | 0.0808% | 6,030 |
| Net interest margin | 3.1688% | 4,718 |
| Noninterest income to average assets | 0.4447% | 3,709 |
| Noninterest expense to average assets | 2.6283% | 3,824 |
| Loan and lease loss provision to assets | 0.0691% | 2,910 |
| Net operating income to assets | 0.6153% | 4,199 |
| Return on assets (ROA) | 0.6321% | 4,222 |
| Pretax return on assets | 0.6539% | 4,664 |
| Return on Equity (ROE) | 5.8434% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.3463% | 3,670 |
| Net charge-offs to loans | 0.0035% | 4,334 |
| Credit loss provision to net charge-offs | 3,800.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 388.0000% | 173 |
| Efficiency ratio | 76.5412% | 2,186 |
| Assets per employee ($millions) | 4.2969% | 3,388 |
| Cash dividends to net income (ytd only)* | 42.7338% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.1631% | 4,577 |
| Net loans and leases to deposits | 62.7504% | 4,573 |
| Net loans and leases to core deposits | 64.2205% | 4,728 |
| Total domestic deposits to total assets | 84.7216% | 3,200 |
| Equity capital to assets | 11.7196% | 2,178 |
| Core capital (leverage) ratio | 10.3721% | 3,085 |
| Tier 1 risk-based capital ratio | 15.6817% | 2,845 |
| Total risk-based capital ratio | 16.6026% | 2,952 |
| Memoranda: | ||
| Average total assets | $109,957,200 | 4,261 |
| Average earning assets | $100,259,200 | 4,281 |
| Average equity | $11,893,800 | 4,326 |
| Average total loans | $56,701,400 | 4,477 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 5,574 |
| Cost of funding earning assets | 0.0798% | 6,122 |
| Net interest margin | 3.1256% | 4,894 |
| Noninterest income to average assets | 0.4286% | 3,875 |
| Noninterest expense to average assets | 2.5910% | 3,914 |
| Loan and lease loss provision to assets | 0.0645% | 2,896 |
| Net operating income to assets | 0.6037% | 4,369 |
| Return on assets (ROA) | 0.6257% | 4,371 |
| Pretax return on assets | 0.6472% | 4,835 |
| Return on Equity (ROE) | 5.8979% | 4,197 |
| Retained earnings to average equity (ytd only) | 4.2771% | 3,424 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7019% | 2,128 |
| Assets per employee ($millions) | 4.2411% | 3,440 |
| Cash dividends to net income (ytd only)* | 27.4816% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 4,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.0481% | 4,756 |
| Net loans and leases to deposits | 60.6116% | 4,808 |
| Net loans and leases to core deposits | 61.9729% | 4,945 |
| Total domestic deposits to total assets | 85.8715% | 2,603 |
| Equity capital to assets | 11.4820% | 2,524 |
| Core capital (leverage) ratio | 10.2391% | 3,320 |
| Tier 1 risk-based capital ratio | 15.4221% | 3,085 |
| Total risk-based capital ratio | 16.3004% | 3,205 |
| Memoranda: | ||
| Average total assets | $111,665,000 | 4,273 |
| Average earning assets | $101,866,250 | 4,287 |
| Average equity | $11,845,750 | 4,382 |
| Average total loans | $57,009,500 | 4,505 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1646% | 5,668 |
| Cost of funding earning assets | 0.0809% | 6,194 |
| Net interest margin | 3.0837% | 5,005 |
| Noninterest income to average assets | 0.4245% | 3,891 |
| Noninterest expense to average assets | 2.5488% | 4,074 |
| Loan and lease loss provision to assets | 0.0634% | 2,850 |
| Net operating income to assets | 0.6140% | 4,276 |
| Return on assets (ROA) | 0.6464% | 4,245 |
| Pretax return on assets | 0.6658% | 4,773 |
| Return on Equity (ROE) | 6.2541% | 4,013 |
| Retained earnings to average equity (ytd only) | 4.6522% | 3,078 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2758% | 2,315 |
| Assets per employee ($millions) | 4.2479% | 3,390 |
| Cash dividends to net income (ytd only)* | 25.6131% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 4,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 50.9122% | 4,855 |
| Net loans and leases to deposits | 59.6307% | 4,882 |
| Net loans and leases to core deposits | 60.9229% | 5,013 |
| Total domestic deposits to total assets | 85.3791% | 2,978 |
| Equity capital to assets | 10.6994% | 3,214 |
| Core capital (leverage) ratio | 9.7893% | 3,875 |
| Tier 1 risk-based capital ratio | 15.5526% | 3,074 |
| Total risk-based capital ratio | 16.4217% | 3,199 |
| Memoranda: | ||
| Average total assets | $113,544,330 | 4,265 |
| Average earning assets | $103,836,000 | 4,276 |
| Average equity | $11,736,330 | 4,426 |
| Average total loans | $57,410,000 | 4,527 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0977% | 5,787 |
| Cost of funding earning assets | 0.0796% | 6,268 |
| Net interest margin | 3.0181% | 5,161 |
| Noninterest income to average assets | 0.4344% | 3,733 |
| Noninterest expense to average assets | 2.5440% | 4,122 |
| Loan and lease loss provision to assets | 0.0626% | 2,675 |
| Net operating income to assets | 0.5804% | 4,358 |
| Return on assets (ROA) | 0.5804% | 4,464 |
| Pretax return on assets | 0.5943% | 4,929 |
| Return on Equity (ROE) | 5.7114% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.2066% | 3,483 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1987% | 2,313 |
| Assets per employee ($millions) | 4.4904% | 3,071 |
| Cash dividends to net income (ytd only)* | 26.3473% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 4,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.3131% | 4,813 |
| Net loans and leases to deposits | 58.9775% | 4,830 |
| Net loans and leases to core deposits | 60.2355% | 4,979 |
| Total domestic deposits to total assets | 85.3090% | 3,262 |
| Equity capital to assets | 10.5631% | 3,468 |
| Core capital (leverage) ratio | 9.4788% | 4,312 |
| Tier 1 risk-based capital ratio | 14.7844% | 3,551 |
| Total risk-based capital ratio | 15.5992% | 3,726 |
| Memoranda: | ||
| Average total assets | $115,094,000 | 4,267 |
| Average earning assets | $105,498,500 | 4,261 |
| Average equity | $11,696,000 | 4,472 |
| Average total loans | $57,697,500 | 4,556 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0540% | 6,008 |
| Cost of funding earning assets | 0.0938% | 6,345 |
| Net interest margin | 2.9602% | 5,531 |
| Noninterest income to average assets | 0.5770% | 3,007 |
| Noninterest expense to average assets | 2.7008% | 3,860 |
| Loan and lease loss provision to assets | 0.0445% | 3,682 |
| Net operating income to assets | 0.5056% | 4,793 |
| Return on assets (ROA) | 0.5432% | 4,713 |
| Pretax return on assets | 0.5654% | 5,054 |
| Return on Equity (ROE) | 5.3880% | 4,467 |
| Retained earnings to average equity (ytd only) | 3.0335% | 4,081 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2717% | 1,886 |
| Assets per employee ($millions) | 3.9310% | 4,099 |
| Cash dividends to net income (ytd only)* | 43.6989% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 5,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 48.9769% | 5,070 |
| Net loans and leases to deposits | 54.7931% | 5,268 |
| Net loans and leases to core deposits | 55.8529% | 5,395 |
| Total domestic deposits to total assets | 89.3851% | 1,026 |
| Equity capital to assets | 9.7805% | 4,386 |
| Core capital (leverage) ratio | 9.1058% | 4,816 |
| Tier 1 risk-based capital ratio | 14.1384% | 4,008 |
| Total risk-based capital ratio | 14.9219% | 4,249 |
| Memoranda: | ||
| Average total assets | $112,485,400 | 4,332 |
| Average earning assets | $102,391,400 | 4,339 |
| Average equity | $11,340,000 | 4,489 |
| Average total loans | $52,785,200 | 4,732 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0527% | 6,083 |
| Cost of funding earning assets | 0.0991% | 6,418 |
| Net interest margin | 2.9537% | 5,597 |
| Noninterest income to average assets | 0.5807% | 2,982 |
| Noninterest expense to average assets | 2.7200% | 3,749 |
| Loan and lease loss provision to assets | 0.0420% | 3,554 |
| Net operating income to assets | 0.4841% | 4,931 |
| Return on assets (ROA) | 0.5267% | 4,841 |
| Pretax return on assets | 0.5459% | 5,191 |
| Return on Equity (ROE) | 5.1837% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.7786% | 3,967 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0294% | 1,755 |
| Assets per employee ($millions) | 4.0710% | 3,730 |
| Cash dividends to net income (ytd only)* | 27.1065% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 4,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 46.6502% | 5,324 |
| Net loans and leases to deposits | 54.0412% | 5,386 |
| Net loans and leases to core deposits | 55.2048% | 5,492 |
| Total domestic deposits to total assets | 86.3234% | 2,688 |
| Equity capital to assets | 10.4387% | 3,636 |
| Core capital (leverage) ratio | 9.4221% | 4,484 |
| Tier 1 risk-based capital ratio | 15.1992% | 3,473 |
| Total risk-based capital ratio | 16.0230% | 3,658 |
| Memoranda: | ||
| Average total assets | $111,124,500 | 4,401 |
| Average earning assets | $100,934,500 | 4,414 |
| Average equity | $11,291,500 | 4,533 |
| Average total loans | $51,399,750 | 4,815 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 6,122 |
| Cost of funding earning assets | 0.1028% | 6,474 |
| Net interest margin | 2.9543% | 5,626 |
| Noninterest income to average assets | 0.6097% | 2,768 |
| Noninterest expense to average assets | 2.6899% | 3,903 |
| Loan and lease loss provision to assets | 0.0359% | 3,571 |
| Net operating income to assets | 0.5388% | 4,655 |
| Return on assets (ROA) | 0.5577% | 4,662 |
| Pretax return on assets | 0.5828% | 5,009 |
| Return on Equity (ROE) | 5.5384% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.1315% | 3,547 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4984% | 2,095 |
| Assets per employee ($millions) | 3.6955% | 4,459 |
| Cash dividends to net income (ytd only)* | 25.4019% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.7687% | 5,385 |
| Net loans and leases to deposits | 51.5860% | 5,527 |
| Net loans and leases to core deposits | 52.7947% | 5,621 |
| Total domestic deposits to total assets | 88.7231% | 1,518 |
| Equity capital to assets | 10.4082% | 3,550 |
| Core capital (leverage) ratio | 9.2605% | 4,651 |
| Tier 1 risk-based capital ratio | 15.4576% | 3,376 |
| Total risk-based capital ratio | 16.2810% | 3,566 |
| Memoranda: | ||
| Average total assets | $111,526,670 | 4,415 |
| Average earning assets | $101,139,330 | 4,436 |
| Average equity | $11,230,670 | 4,547 |
| Average total loans | $51,256,000 | 4,850 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9537% | 6,279 |
| Cost of funding earning assets | 0.1023% | 6,558 |
| Net interest margin | 2.8515% | 5,846 |
| Noninterest income to average assets | 0.6079% | 2,691 |
| Noninterest expense to average assets | 2.6605% | 4,077 |
| Loan and lease loss provision to assets | 0.0179% | 3,600 |
| Net operating income to assets | 0.5016% | 4,681 |
| Return on assets (ROA) | 0.5257% | 4,640 |
| Pretax return on assets | 0.5471% | 5,022 |
| Return on Equity (ROE) | 5.3085% | 4,384 |
| Retained earnings to average equity (ytd only) | 3.8640% | 3,802 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7821% | 2,084 |
| Assets per employee ($millions) | 4.0784% | 3,762 |
| Cash dividends to net income (ytd only)* | 27.2109% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 5,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 44.8054% | 5,438 |
| Net loans and leases to deposits | 50.0974% | 5,591 |
| Net loans and leases to core deposits | 51.2270% | 5,676 |
| Total domestic deposits to total assets | 89.4366% | 1,404 |
| Equity capital to assets | 9.7683% | 4,143 |
| Core capital (leverage) ratio | 9.0679% | 4,909 |
| Tier 1 risk-based capital ratio | 15.0828% | 3,668 |
| Total risk-based capital ratio | 15.8763% | 3,881 |
| Memoranda: | ||
| Average total assets | $111,858,000 | 4,447 |
| Average earning assets | $101,702,500 | 4,462 |
| Average equity | $11,076,500 | 4,595 |
| Average total loans | $51,244,000 | 4,891 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9134% | 6,416 |
| Cost of funding earning assets | 0.1367% | 6,586 |
| Net interest margin | 2.7767% | 6,019 |
| Noninterest income to average assets | 0.6627% | 2,742 |
| Noninterest expense to average assets | 2.7020% | 4,087 |
| Loan and lease loss provision to assets | 0.0279% | 4,557 |
| Net operating income to assets | 0.4318% | 5,030 |
| Return on assets (ROA) | 0.4471% | 5,095 |
| Pretax return on assets | 0.4601% | 5,322 |
| Return on Equity (ROE) | 4.3869% | 4,942 |
| Retained earnings to average equity (ytd only) | 1.9518% | 4,845 |
| Net charge-offs to loans | -0.0023% | 5,861 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6647% | 1,791 |
| Assets per employee ($millions) | 4.0563% | 3,753 |
| Cash dividends to net income (ytd only)* | 55.5094% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 5,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.9085% | 5,499 |
| Net loans and leases to deposits | 52.5502% | 5,586 |
| Net loans and leases to core deposits | 53.8169% | 5,687 |
| Total domestic deposits to total assets | 87.3612% | 2,545 |
| Equity capital to assets | 10.0420% | 3,712 |
| Core capital (leverage) ratio | 9.1362% | 4,802 |
| Tier 1 risk-based capital ratio | 15.3443% | 3,456 |
| Total risk-based capital ratio | 16.1544% | 3,668 |
| Memoranda: | ||
| Average total assets | $107,586,600 | 4,554 |
| Average earning assets | $97,309,000 | 4,584 |
| Average equity | $10,964,400 | 4,642 |
| Average total loans | $43,192,600 | 5,229 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8474% | 6,540 |
| Cost of funding earning assets | 0.1462% | 6,654 |
| Net interest margin | 2.7012% | 6,170 |
| Noninterest income to average assets | 0.6436% | 2,912 |
| Noninterest expense to average assets | 2.6678% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4015% | 5,240 |
| Return on assets (ROA) | 0.4220% | 5,296 |
| Pretax return on assets | 0.4345% | 5,539 |
| Return on Equity (ROE) | 4.1255% | 5,158 |
| Retained earnings to average equity (ytd only) | 0.8762% | 5,626 |
| Net charge-offs to loans | -0.0032% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0404% | 1,594 |
| Assets per employee ($millions) | 3.7702% | 4,301 |
| Cash dividends to net income (ytd only)* | 78.7606% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 5,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 6,443 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 40.8351% | 5,975 |
| Net loans and leases to deposits | 45.9368% | 6,103 |
| Net loans and leases to core deposits | 47.0658% | 6,165 |
| Total domestic deposits to total assets | 88.8942% | 1,615 |
| Equity capital to assets | 10.2239% | 3,608 |
| Core capital (leverage) ratio | 9.2588% | 4,737 |
| Tier 1 risk-based capital ratio | 16.6713% | 2,871 |
| Total risk-based capital ratio | 17.5148% | 3,021 |
| Memoranda: | ||
| Average total assets | $107,103,250 | 4,611 |
| Average earning assets | $96,646,250 | 4,653 |
| Average equity | $10,956,000 | 4,692 |
| Average total loans | $41,291,250 | 5,343 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8013% | 6,609 |
| Cost of funding earning assets | 0.1521% | 6,698 |
| Net interest margin | 2.6492% | 6,270 |
| Noninterest income to average assets | 0.6560% | 2,882 |
| Noninterest expense to average assets | 2.6074% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4337% | 5,092 |
| Return on assets (ROA) | 0.4646% | 5,129 |
| Pretax return on assets | 0.4758% | 5,449 |
| Return on Equity (ROE) | 4.5412% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.1434% | 4,911 |
| Net charge-offs to loans | -0.0049% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8867% | 1,770 |
| Assets per employee ($millions) | 3.5281% | 4,798 |
| Cash dividends to net income (ytd only)* | 52.8000% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 4,869 |
| Loan loss allowance to noncurrent loans | 1,577.4194% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 6,365 |
| Noncurrent loans to loans | 0.0776% | 6,163 |
| Net loans and leases to total assets | 37.2990% | 6,220 |
| Net loans and leases to deposits | 41.8093% | 6,338 |
| Net loans and leases to core deposits | 42.8303% | 6,372 |
| Total domestic deposits to total assets | 89.2122% | 1,502 |
| Equity capital to assets | 9.9573% | 3,966 |
| Core capital (leverage) ratio | 9.3210% | 4,506 |
| Tier 1 risk-based capital ratio | 17.5796% | 2,486 |
| Total risk-based capital ratio | 18.4681% | 2,605 |
| Memoranda: | ||
| Average total assets | $107,615,670 | 4,625 |
| Average earning assets | $97,310,670 | 4,664 |
| Average equity | $11,010,330 | 4,717 |
| Average total loans | $40,522,670 | 5,404 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7664% | 6,698 |
| Cost of funding earning assets | 0.1594% | 6,769 |
| Net interest margin | 2.6070% | 6,362 |
| Noninterest income to average assets | 0.6820% | 2,690 |
| Noninterest expense to average assets | 2.6506% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3760% | 5,228 |
| Return on assets (ROA) | 0.3760% | 5,365 |
| Pretax return on assets | 0.3834% | 5,617 |
| Return on Equity (ROE) | 3.6280% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.5609% | 4,742 |
| Net charge-offs to loans | -0.0098% | 5,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8117% | 1,663 |
| Assets per employee ($millions) | 3.9391% | 4,083 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,938 |
| Loan loss allowance to noncurrent loans | 978.0000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 6,466 |
| Noncurrent loans to loans | 0.1279% | 6,087 |
| Net loans and leases to total assets | 34.9895% | 6,362 |
| Net loans and leases to deposits | 39.2838% | 6,452 |
| Net loans and leases to core deposits | 40.2046% | 6,472 |
| Total domestic deposits to total assets | 89.0685% | 1,646 |
| Equity capital to assets | 10.2352% | 3,873 |
| Core capital (leverage) ratio | 9.0305% | 4,836 |
| Tier 1 risk-based capital ratio | 18.4240% | 2,219 |
| Total risk-based capital ratio | 19.3584% | 2,281 |
| Memoranda: | ||
| Average total assets | $108,502,500 | 4,647 |
| Average earning assets | $97,890,000 | 4,688 |
| Average equity | $11,246,000 | 4,728 |
| Average total loans | $40,800,500 | 5,430 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0406% | 6,752 |
| Cost of funding earning assets | 0.2407% | 6,710 |
| Net interest margin | 2.7999% | 6,385 |
| Noninterest income to average assets | 0.7882% | 2,313 |
| Noninterest expense to average assets | 2.7228% | 4,316 |
| Loan and lease loss provision to assets | 0.0675% | 4,906 |
| Net operating income to assets | 0.5185% | 4,611 |
| Return on assets (ROA) | 0.6214% | 4,397 |
| Pretax return on assets | 0.6327% | 4,876 |
| Return on Equity (ROE) | 5.9379% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.7616% | 3,566 |
| Net charge-offs to loans | -0.0024% | 6,338 |
| Credit loss provision to net charge-offs | -7,200.0000% | 6,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6893% | 2,182 |
| Assets per employee ($millions) | 3.9522% | 4,041 |
| Cash dividends to net income (ytd only)* | 36.6516% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,355 |
| Loan loss allowance to noncurrent loans | 976.0000% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 6,377 |
| Noncurrent loans to loans | 0.1176% | 6,186 |
| Net loans and leases to total assets | 39.3894% | 6,212 |
| Net loans and leases to deposits | 44.3483% | 6,348 |
| Net loans and leases to core deposits | 45.8229% | 6,383 |
| Total domestic deposits to total assets | 88.8182% | 1,693 |
| Equity capital to assets | 10.4986% | 3,533 |
| Core capital (leverage) ratio | 9.1291% | 4,688 |
| Tier 1 risk-based capital ratio | 17.2684% | 2,537 |
| Total risk-based capital ratio | 18.1501% | 2,663 |
| Memoranda: | ||
| Average total assets | $106,693,000 | 4,662 |
| Average earning assets | $96,396,000 | 4,681 |
| Average equity | $11,165,600 | 4,727 |
| Average total loans | $41,085,600 | 5,459 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0793% | 6,861 |
| Cost of funding earning assets | 0.2536% | 6,794 |
| Net interest margin | 2.8257% | 6,466 |
| Noninterest income to average assets | 0.6961% | 2,732 |
| Noninterest expense to average assets | 2.7081% | 4,333 |
| Loan and lease loss provision to assets | 0.0225% | 5,514 |
| Net operating income to assets | 0.5095% | 4,812 |
| Return on assets (ROA) | 0.5911% | 4,697 |
| Pretax return on assets | 0.5961% | 5,181 |
| Return on Equity (ROE) | 5.6529% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.4897% | 4,414 |
| Net charge-offs to loans | -0.0066% | 6,301 |
| Credit loss provision to net charge-offs | -900.0000% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0478% | 1,926 |
| Assets per employee ($millions) | 3.6043% | 4,747 |
| Cash dividends to net income (ytd only)* | 38.2669% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 5,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 6,649 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 36.6126% | 6,517 |
| Net loans and leases to deposits | 41.4710% | 6,623 |
| Net loans and leases to core deposits | 42.8885% | 6,633 |
| Total domestic deposits to total assets | 88.2850% | 1,857 |
| Equity capital to assets | 10.9468% | 3,332 |
| Core capital (leverage) ratio | 9.1874% | 4,782 |
| Tier 1 risk-based capital ratio | 18.8003% | 2,076 |
| Total risk-based capital ratio | 19.6669% | 2,168 |
| Memoranda: | ||
| Average total assets | $106,689,000 | 4,714 |
| Average earning assets | $96,210,250 | 4,735 |
| Average equity | $11,156,250 | 4,775 |
| Average total loans | $40,727,000 | 5,538 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1025% | 6,930 |
| Cost of funding earning assets | 0.2637% | 6,863 |
| Net interest margin | 2.8388% | 6,519 |
| Noninterest income to average assets | 0.7467% | 2,433 |
| Noninterest expense to average assets | 2.7074% | 4,384 |
| Loan and lease loss provision to assets | 0.0223% | 5,389 |
| Net operating income to assets | 0.5828% | 4,440 |
| Return on assets (ROA) | 0.7057% | 4,099 |
| Pretax return on assets | 0.7057% | 4,817 |
| Return on Equity (ROE) | 6.8529% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.6831% | 3,497 |
| Net charge-offs to loans | -0.0048% | 6,158 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3704% | 2,282 |
| Assets per employee ($millions) | 3.6289% | 4,684 |
| Cash dividends to net income (ytd only)* | 31.6623% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 5,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 6,693 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 37.8209% | 6,493 |
| Net loans and leases to deposits | 43.1042% | 6,596 |
| Net loans and leases to core deposits | 44.5771% | 6,637 |
| Total domestic deposits to total assets | 87.7430% | 2,312 |
| Equity capital to assets | 10.4591% | 3,732 |
| Core capital (leverage) ratio | 8.8693% | 5,094 |
| Tier 1 risk-based capital ratio | 12.3369% | 5,697 |
| Total risk-based capital ratio | 12.9015% | 6,123 |
| Memoranda: | ||
| Average total assets | $107,410,670 | 4,731 |
| Average earning assets | $97,081,670 | 4,730 |
| Average equity | $11,061,000 | 4,795 |
| Average total loans | $41,401,670 | 5,536 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1273% | 6,990 |
| Cost of funding earning assets | 0.2739% | 6,922 |
| Net interest margin | 2.8534% | 6,549 |
| Noninterest income to average assets | 0.7926% | 2,197 |
| Noninterest expense to average assets | 2.7245% | 4,334 |
| Loan and lease loss provision to assets | 0.0221% | 5,059 |
| Net operating income to assets | 0.6489% | 4,123 |
| Return on assets (ROA) | 0.6489% | 4,338 |
| Pretax return on assets | 0.6194% | 5,049 |
| Return on Equity (ROE) | 6.3492% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.2929% | 4,013 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6418% | 2,408 |
| Assets per employee ($millions) | 3.9112% | 4,178 |
| Cash dividends to net income (ytd only)* | 32.3864% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 6,771 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 35.1036% | 6,682 |
| Net loans and leases to deposits | 39.3770% | 6,768 |
| Net loans and leases to core deposits | 40.6473% | 6,797 |
| Total domestic deposits to total assets | 89.1474% | 1,602 |
| Equity capital to assets | 10.2499% | 3,792 |
| Core capital (leverage) ratio | 8.5281% | 5,549 |
| Tier 1 risk-based capital ratio | 13.3061% | 4,970 |
| Total risk-based capital ratio | 13.9150% | 5,436 |
| Memoranda: | ||
| Average total assets | $108,497,000 | 4,740 |
| Average earning assets | $97,848,000 | 4,759 |
| Average equity | $11,088,000 | 4,804 |
| Average total loans | $41,988,000 | 5,550 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 7,022 |
| Cost of funding earning assets | 0.3798% | 6,946 |
| Net interest margin | 3.0704% | 6,405 |
| Noninterest income to average assets | 0.6973% | 2,617 |
| Noninterest expense to average assets | 2.8681% | 4,089 |
| Loan and lease loss provision to assets | 0.0848% | 5,548 |
| Net operating income to assets | 0.5338% | 4,295 |
| Return on assets (ROA) | 0.6007% | 4,186 |
| Pretax return on assets | 0.6115% | 4,657 |
| Return on Equity (ROE) | 5.6875% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.9055% | 3,436 |
| Net charge-offs to loans | -0.0070% | 6,860 |
| Credit loss provision to net charge-offs | -2,900.0000% | 6,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6932% | 2,349 |
| Assets per employee ($millions) | 3.8386% | 4,232 |
| Cash dividends to net income (ytd only)* | 31.3312% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 6,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 6,831 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 41.5860% | 6,416 |
| Net loans and leases to deposits | 46.6186% | 6,592 |
| Net loans and leases to core deposits | 48.1503% | 6,635 |
| Total domestic deposits to total assets | 89.2046% | 1,419 |
| Equity capital to assets | 10.1888% | 3,923 |
| Core capital (leverage) ratio | 8.5608% | 5,464 |
| Tier 1 risk-based capital ratio | 14.2074% | 4,172 |
| Total risk-based capital ratio | 14.8571% | 4,586 |
| Memoranda: | ||
| Average total assets | $102,540,200 | 4,833 |
| Average earning assets | $93,474,200 | 4,824 |
| Average equity | $10,830,800 | 4,821 |
| Average total loans | $42,640,800 | 5,576 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 7,090 |
| Cost of funding earning assets | 0.4013% | 7,015 |
| Net interest margin | 3.0834% | 6,422 |
| Noninterest income to average assets | 0.6344% | 2,969 |
| Noninterest expense to average assets | 2.9955% | 3,567 |
| Loan and lease loss provision to assets | 0.0632% | 5,662 |
| Net operating income to assets | 0.3922% | 5,034 |
| Return on assets (ROA) | 0.4843% | 4,802 |
| Pretax return on assets | 0.4791% | 5,227 |
| Return on Equity (ROE) | 4.5427% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.5427% | 3,486 |
| Net charge-offs to loans | -0.0095% | 6,776 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5302% | 1,687 |
| Assets per employee ($millions) | 3.4897% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 6,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 6,916 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.8453% | 6,642 |
| Net loans and leases to deposits | 44.9282% | 6,797 |
| Net loans and leases to core deposits | 46.4542% | 6,826 |
| Total domestic deposits to total assets | 88.6866% | 1,634 |
| Equity capital to assets | 10.6333% | 3,534 |
| Core capital (leverage) ratio | 9.0563% | 4,841 |
| Tier 1 risk-based capital ratio | 16.7894% | 2,726 |
| Total risk-based capital ratio | 17.4888% | 2,961 |
| Memoranda: | ||
| Average total assets | $101,305,000 | 4,885 |
| Average earning assets | $92,363,500 | 4,887 |
| Average equity | $10,800,750 | 4,849 |
| Average total loans | $42,023,000 | 5,646 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 7,143 |
| Cost of funding earning assets | 0.4203% | 7,085 |
| Net interest margin | 3.1130% | 6,381 |
| Noninterest income to average assets | 0.6469% | 2,868 |
| Noninterest expense to average assets | 3.0646% | 3,380 |
| Loan and lease loss provision to assets | 0.0779% | 5,339 |
| Net operating income to assets | 0.3674% | 5,096 |
| Return on assets (ROA) | 0.3674% | 5,237 |
| Pretax return on assets | 0.3434% | 5,566 |
| Return on Equity (ROE) | 3.4424% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.4424% | 4,065 |
| Net charge-offs to loans | -0.0095% | 6,677 |
| Credit loss provision to net charge-offs | -1,950.0000% | 6,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5097% | 1,649 |
| Assets per employee ($millions) | 3.2880% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 6,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 6,960 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 43.6055% | 6,466 |
| Net loans and leases to deposits | 50.9923% | 6,536 |
| Net loans and leases to core deposits | 52.7431% | 6,626 |
| Total domestic deposits to total assets | 85.5138% | 3,618 |
| Equity capital to assets | 11.2836% | 2,697 |
| Core capital (leverage) ratio | 8.8099% | 5,029 |
| Tier 1 risk-based capital ratio | 16.5183% | 2,733 |
| Total risk-based capital ratio | 17.2038% | 2,965 |
| Memoranda: | ||
| Average total assets | $100,176,670 | 4,958 |
| Average earning assets | $91,359,670 | 4,952 |
| Average equity | $10,690,330 | 4,873 |
| Average total loans | $42,001,000 | 5,703 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3855% | 7,274 |
| Cost of funding earning assets | 0.4314% | 7,156 |
| Net interest margin | 2.9541% | 6,668 |
| Noninterest income to average assets | 0.6578% | 2,790 |
| Noninterest expense to average assets | 3.0710% | 3,382 |
| Loan and lease loss provision to assets | 0.0753% | 5,058 |
| Net operating income to assets | 0.2615% | 5,578 |
| Return on assets (ROA) | 0.2615% | 5,640 |
| Pretax return on assets | 0.1981% | 5,942 |
| Return on Equity (ROE) | 2.5214% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.5214% | 4,650 |
| Net charge-offs to loans | 0.0194% | 4,808 |
| Credit loss provision to net charge-offs | 950.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 752 |
| Efficiency ratio | 89.3365% | 1,391 |
| Assets per employee ($millions) | 3.4417% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 6,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 7,024 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 40.3651% | 6,752 |
| Net loans and leases to deposits | 46.1426% | 6,835 |
| Net loans and leases to core deposits | 47.6713% | 6,891 |
| Total domestic deposits to total assets | 87.4791% | 2,675 |
| Equity capital to assets | 10.5491% | 3,129 |
| Core capital (leverage) ratio | 8.6275% | 5,214 |
| Tier 1 risk-based capital ratio | 16.8032% | 2,546 |
| Total risk-based capital ratio | 17.4651% | 2,768 |
| Memoranda: | ||
| Average total assets | $100,945,500 | 4,980 |
| Average earning assets | $91,804,500 | 4,977 |
| Average equity | $10,470,500 | 4,924 |
| Average total loans | $41,313,000 | 5,794 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 7,243 |
| Cost of funding earning assets | 0.5698% | 7,182 |
| Net interest margin | 3.2497% | 6,133 |
| Noninterest income to average assets | 1.0207% | 1,438 |
| Noninterest expense to average assets | 3.1118% | 3,405 |
| Loan and lease loss provision to assets | 0.1440% | 5,743 |
| Net operating income to assets | 0.6808% | 3,298 |
| Return on assets (ROA) | 0.6808% | 3,430 |
| Pretax return on assets | 0.7077% | 3,949 |
| Return on Equity (ROE) | 6.4035% | 3,394 |
| Retained earnings to average equity (ytd only) | 5.2924% | 2,251 |
| Net charge-offs to loans | 0.0250% | 6,562 |
| Credit loss provision to net charge-offs | 1,390.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 82.2000% | 291 |
| Efficiency ratio | 76.3137% | 3,003 |
| Assets per employee ($millions) | 3.2930% | 5,444 |
| Cash dividends to net income (ytd only)* | 17.3516% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 7,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 7,076 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 40.8221% | 6,913 |
| Net loans and leases to deposits | 48.2790% | 6,938 |
| Net loans and leases to core deposits | 49.8976% | 6,981 |
| Total domestic deposits to total assets | 84.5546% | 4,081 |
| Equity capital to assets | 10.1996% | 3,500 |
| Core capital (leverage) ratio | 8.8280% | 4,808 |
| Tier 1 risk-based capital ratio | 16.1909% | 2,658 |
| Total risk-based capital ratio | 16.8030% | 2,938 |
| Memoranda: | ||
| Average total assets | $96,503,600 | 5,092 |
| Average earning assets | $87,392,600 | 5,102 |
| Average equity | $10,260,000 | 5,057 |
| Average total loans | $40,016,600 | 5,922 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 7,352 |
| Cost of funding earning assets | 0.6000% | 7,292 |
| Net interest margin | 3.2829% | 6,074 |
| Noninterest income to average assets | 1.0752% | 1,236 |
| Noninterest expense to average assets | 3.1135% | 3,280 |
| Loan and lease loss provision to assets | 0.1332% | 5,694 |
| Net operating income to assets | 0.7752% | 3,109 |
| Return on assets (ROA) | 0.7752% | 3,263 |
| Pretax return on assets | 0.8047% | 3,887 |
| Return on Equity (ROE) | 7.2130% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.2130% | 1,746 |
| Net charge-offs to loans | 0.0405% | 6,140 |
| Credit loss provision to net charge-offs | 791.6667% | 372 |
| Earnings coverage of net charge-offs (x) | 55.7488% | 520 |
| Efficiency ratio | 74.6713% | 3,204 |
| Assets per employee ($millions) | 3.0405% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 7,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 7,180 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 39.6013% | 7,096 |
| Net loans and leases to deposits | 45.0461% | 7,203 |
| Net loans and leases to core deposits | 46.6215% | 7,247 |
| Total domestic deposits to total assets | 87.9128% | 2,009 |
| Equity capital to assets | 11.4241% | 2,588 |
| Core capital (leverage) ratio | 9.0419% | 4,615 |
| Tier 1 risk-based capital ratio | 18.0699% | 2,011 |
| Total risk-based capital ratio | 18.6590% | 2,167 |
| Memoranda: | ||
| Average total assets | $95,109,000 | 5,183 |
| Average earning assets | $86,221,500 | 5,197 |
| Average equity | $10,222,000 | 5,132 |
| Average total loans | $39,521,750 | 6,022 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 7,459 |
| Cost of funding earning assets | 0.6183% | 7,369 |
| Net interest margin | 3.2370% | 6,200 |
| Noninterest income to average assets | 0.7464% | 2,419 |
| Noninterest expense to average assets | 3.0296% | 3,599 |
| Loan and lease loss provision to assets | 0.1090% | 5,822 |
| Net operating income to assets | 0.5158% | 4,256 |
| Return on assets (ROA) | 0.5158% | 4,415 |
| Pretax return on assets | 0.5493% | 4,744 |
| Return on Equity (ROE) | 4.9004% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.9004% | 2,960 |
| Net charge-offs to loans | 0.0747% | 5,397 |
| Credit loss provision to net charge-offs | 346.6667% | 1,052 |
| Earnings coverage of net charge-offs (x) | 20.9333% | 1,191 |
| Efficiency ratio | 79.8181% | 2,463 |
| Assets per employee ($millions) | 3.1556% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5785% | 7,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 7,233 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 40.7575% | 7,116 |
| Net loans and leases to deposits | 45.9312% | 7,251 |
| Net loans and leases to core deposits | 47.4621% | 7,307 |
| Total domestic deposits to total assets | 88.7360% | 1,581 |
| Equity capital to assets | 10.6537% | 3,214 |
| Core capital (leverage) ratio | 8.6219% | 5,203 |
| Tier 1 risk-based capital ratio | 16.6085% | 2,437 |
| Total risk-based capital ratio | 17.0766% | 2,710 |
| Memoranda: | ||
| Average total assets | $95,393,000 | 5,207 |
| Average earning assets | $86,686,000 | 5,217 |
| Average equity | $10,040,000 | 5,187 |
| Average total loans | $40,160,330 | 6,044 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 7,587 |
| Cost of funding earning assets | 0.6514% | 7,436 |
| Net interest margin | 3.1547% | 6,436 |
| Noninterest income to average assets | 0.8155% | 1,943 |
| Noninterest expense to average assets | 3.1218% | 3,176 |
| Loan and lease loss provision to assets | 0.0595% | 6,046 |
| Net operating income to assets | 0.4927% | 4,425 |
| Return on assets (ROA) | 0.4927% | 4,559 |
| Pretax return on assets | 0.5139% | 4,911 |
| Return on Equity (ROE) | 4.7111% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.7111% | 3,318 |
| Net charge-offs to loans | 0.1891% | 3,788 |
| Credit loss provision to net charge-offs | 73.6842% | 4,017 |
| Earnings coverage of net charge-offs (x) | 7.1053% | 2,132 |
| Efficiency ratio | 82.0690% | 2,264 |
| Assets per employee ($millions) | 3.2419% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4791% | 7,606 |
| Loan loss allowance to noncurrent loans | 795.8333% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 7,269 |
| Noncurrent loans to loans | 0.0602% | 7,250 |
| Net loans and leases to total assets | 40.7977% | 7,202 |
| Net loans and leases to deposits | 45.6884% | 7,341 |
| Net loans and leases to core deposits | 47.2105% | 7,389 |
| Total domestic deposits to total assets | 89.2955% | 1,368 |
| Equity capital to assets | 10.2233% | 3,573 |
| Core capital (leverage) ratio | 8.4895% | 5,393 |
| Tier 1 risk-based capital ratio | 16.3838% | 2,488 |
| Total risk-based capital ratio | 16.7711% | 2,803 |
| Memoranda: | ||
| Average total assets | $94,177,000 | 5,312 |
| Average earning assets | $85,967,000 | 5,305 |
| Average equity | $9,849,000 | 5,285 |
| Average total loans | $40,189,000 | 6,113 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7212% | 7,984 |
| Cost of funding earning assets | 0.1011% | 7,964 |
| Net interest margin | 0.6201% | 7,957 |
| Noninterest income to average assets | 0.0945% | 7,293 |
| Noninterest expense to average assets | 0.4337% | 7,986 |
| Loan and lease loss provision to assets | 0.2279% | 5,546 |
| Net operating income to assets | 0.0056% | 5,466 |
| Return on assets (ROA) | 0.0056% | 5,519 |
| Pretax return on assets | 0.0056% | 5,433 |
| Return on Equity (ROE) | 0.0563% | 5,518 |
| Retained earnings to average equity (ytd only) | 0.0563% | 4,876 |
| Net charge-offs to loans | 0.0217% | 6,932 |
| Credit loss provision to net charge-offs | 2,277.7778% | 142 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 936 |
| Efficiency ratio | 63.0000% | 5,968 |
| Assets per employee ($millions) | 3.0365% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4814% | 7,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 44.2533% | 7,106 |
| Net loans and leases to deposits | 49.8516% | 7,269 |
| Net loans and leases to core deposits | 54.7478% | 7,447 |
| Total domestic deposits to total assets | 88.7701% | 1,586 |
| Equity capital to assets | 10.7085% | 2,962 |
| Core capital (leverage) ratio | 8.8180% | 4,743 |
| Tier 1 risk-based capital ratio | 16.4964% | 2,318 |
| Total risk-based capital ratio | 16.9013% | 2,601 |
| Memoranda: | ||
| Average total assets | $89,932,600 | 5,394 |
| Average earning assets | $83,051,400 | 5,362 |
| Average equity | $8,881,200 | 5,641 |
| Average total loans | $41,455,800 | 6,038 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 7,079 |
| Cost of funding earning assets | 1.0374% | 7,312 |
| Net interest margin | 3.7834% | 3,722 |
| Noninterest income to average assets | 0.6931% | 3,068 |
| Noninterest expense to average assets | 3.4611% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7199% | 3,135 |
| Return on assets (ROA) | 0.7199% | 3,206 |
| Pretax return on assets | 0.7363% | 3,747 |
| Return on Equity (ROE) | 7.4494% | 2,885 |
| Retained earnings to average equity (ytd only) | 7.4494% | 1,328 |
| Net charge-offs to loans | 0.0192% | 6,640 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 82.4975% | 413 |
| Efficiency ratio | 80.4040% | 2,786 |
| Assets per employee ($millions) | 2.8944% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 3,979 |
| Loan loss allowance to noncurrent loans | 511.0092% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 7,232 |
| Noncurrent loans to loans | 0.2729% | 6,830 |
| Net loans and leases to total assets | 45.3559% | 7,151 |
| Net loans and leases to deposits | 51.0798% | 7,356 |
| Net loans and leases to core deposits | 56.2004% | 7,535 |
| Total domestic deposits to total assets | 88.7943% | 1,294 |
| Equity capital to assets | 10.3788% | 3,643 |
| Core capital (leverage) ratio | 8.6683% | 5,187 |
| Tier 1 risk-based capital ratio | 16.3541% | 2,491 |
| Total risk-based capital ratio | 17.5278% | 2,462 |
| Memoranda: | ||
| Average total assets | $89,641,750 | 5,432 |
| Average earning assets | $83,026,250 | 5,397 |
| Average equity | $8,662,750 | 5,765 |
| Average total loans | $41,692,750 | 6,078 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 7,139 |
| Cost of funding earning assets | 1.1153% | 7,340 |
| Net interest margin | 3.7328% | 3,817 |
| Noninterest income to average assets | 0.6977% | 3,005 |
| Noninterest expense to average assets | 3.4202% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7463% | 3,061 |
| Return on assets (ROA) | 0.7463% | 3,165 |
| Pretax return on assets | 0.7507% | 3,826 |
| Return on Equity (ROE) | 7.9098% | 2,814 |
| Retained earnings to average equity (ytd only) | 7.9098% | 1,242 |
| Net charge-offs to loans | 0.0142% | 6,344 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 113.3333% | 339 |
| Efficiency ratio | 79.9365% | 3,052 |
| Assets per employee ($millions) | 2.8151% | 6,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 3,964 |
| Loan loss allowance to noncurrent loans | 9,333.3333% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,636 |
| Noncurrent loans to loans | 0.0145% | 7,519 |
| Net loans and leases to total assets | 45.3065% | 7,241 |
| Net loans and leases to deposits | 50.5806% | 7,462 |
| Net loans and leases to core deposits | 56.2379% | 7,582 |
| Total domestic deposits to total assets | 89.5728% | 1,010 |
| Equity capital to assets | 9.6690% | 4,397 |
| Core capital (leverage) ratio | 8.1798% | 6,012 |
| Tier 1 risk-based capital ratio | 15.3396% | 2,877 |
| Total risk-based capital ratio | 16.4707% | 2,860 |
| Memoranda: | ||
| Average total assets | $90,578,670 | 5,441 |
| Average earning assets | $84,279,000 | 5,404 |
| Average equity | $8,546,330 | 5,832 |
| Average total loans | $42,277,000 | 6,099 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 7,223 |
| Cost of funding earning assets | 1.1582% | 7,396 |
| Net interest margin | 3.7204% | 3,805 |
| Noninterest income to average assets | 0.7046% | 2,862 |
| Noninterest expense to average assets | 3.3867% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8191% | 3,053 |
| Return on assets (ROA) | 0.8191% | 3,201 |
| Pretax return on assets | 0.7839% | 4,136 |
| Return on Equity (ROE) | 8.7897% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.7897% | 1,541 |
| Net charge-offs to loans | -0.0094% | 7,266 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1975% | 2,963 |
| Assets per employee ($millions) | 2.8990% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 3,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 45.8696% | 7,199 |
| Net loans and leases to deposits | 51.0293% | 7,458 |
| Net loans and leases to core deposits | 56.9434% | 7,569 |
| Total domestic deposits to total assets | 89.8887% | 846 |
| Equity capital to assets | 9.5438% | 4,616 |
| Core capital (leverage) ratio | 8.1736% | 6,154 |
| Tier 1 risk-based capital ratio | 14.9869% | 3,074 |
| Total risk-based capital ratio | 16.1236% | 3,054 |
| Memoranda: | ||
| Average total assets | $90,827,000 | 5,458 |
| Average earning assets | $84,615,000 | 5,410 |
| Average equity | $8,464,500 | 5,892 |
| Average total loans | $42,729,000 | 6,104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5015% | 7,302 |
| Cost of funding earning assets | 1.6756% | 7,317 |
| Net interest margin | 3.8260% | 3,914 |
| Noninterest income to average assets | 0.7291% | 2,918 |
| Noninterest expense to average assets | 3.8390% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3992% | 5,151 |
| Return on assets (ROA) | 0.5542% | 4,360 |
| Pretax return on assets | 0.5905% | 4,718 |
| Return on Equity (ROE) | 6.1700% | 3,876 |
| Retained earnings to average equity (ytd only) | 0.9059% | 4,686 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0351% | 1,677 |
| Assets per employee ($millions) | 2.9608% | 6,151 |
| Cash dividends to net income (ytd only)* | 85.3175% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 3,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.9690% | 7,256 |
| Net loans and leases to deposits | 54.7909% | 7,392 |
| Net loans and leases to core deposits | 59.2732% | 7,611 |
| Total domestic deposits to total assets | 85.7241% | 2,528 |
| Equity capital to assets | 9.0996% | 5,226 |
| Core capital (leverage) ratio | 8.0768% | 6,363 |
| Tier 1 risk-based capital ratio | 13.9241% | 3,580 |
| Total risk-based capital ratio | 15.0083% | 3,587 |
| Memoranda: | ||
| Average total assets | $90,935,400 | 5,326 |
| Average earning assets | $84,031,200 | 5,302 |
| Average equity | $8,168,600 | 6,016 |
| Average total loans | $39,334,400 | 6,206 |