Home > First National Bank of Clinton > Performance and Condition Ratios
First National Bank of Clinton, Performance and Condition Ratios
| 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 | 4.0790% | 3,134 |
| Cost of funding earning assets | 0.3274% | 3,898 |
| Net interest margin | 3.7516% | 2,599 |
| Noninterest income to average assets | 0.3957% | 3,666 |
| Noninterest expense to average assets | 4.0822% | 478 |
| Loan and lease loss provision to assets | 0.0533% | 3,169 |
| Net operating income to assets | -0.1458% | 5,434 |
| Return on assets (ROA) | -0.1754% | 5,446 |
| Pretax return on assets | -0.5375% | 5,554 |
| Return on Equity (ROE) | -1.4525% | 5,441 |
| Retained earnings to average equity (ytd only) | -40.7623% | 5,653 |
| Net charge-offs to loans | 0.0616% | 2,591 |
| Credit loss provision to net charge-offs | 152.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | -12.4800% | 4,095 |
| Efficiency ratio | 110.6662% | 101 |
| Assets per employee ($millions) | 3.7954% | 4,291 |
| Cash dividends to net income (ytd only)* | -2,706.4000% | 5,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 935 |
| Noncurrent loans to loans | 0.5971% | 2,736 |
| Net loans and leases to total assets | 53.1703% | 4,429 |
| Net loans and leases to deposits | 58.4199% | 4,667 |
| Net loans and leases to core deposits | 61.2490% | 4,698 |
| Total domestic deposits to total assets | 91.0140% | 237 |
| Equity capital to assets | 8.5960% | 5,045 |
| Core capital (leverage) ratio | 7.7966% | 5,500 |
| Tier 1 risk-based capital ratio | 13.1442% | 3,820 |
| Total risk-based capital ratio | 14.3953% | 3,738 |
| Memoranda: | ||
| Average total assets | $71,261,200 | 4,758 |
| Average earning assets | $61,706,600 | 4,825 |
| Average equity | $8,606,000 | 4,687 |
| Average total loans | $40,608,000 | 4,714 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,526 |
| Cost of funding earning assets | 0.2856% | 4,264 |
| Net interest margin | 3.6624% | 2,908 |
| Noninterest income to average assets | 0.4032% | 3,663 |
| Noninterest expense to average assets | 3.5472% | 926 |
| Loan and lease loss provision to assets | 0.0742% | 2,586 |
| Net operating income to assets | 0.2301% | 5,324 |
| Return on assets (ROA) | 0.2986% | 5,239 |
| Pretax return on assets | 0.1427% | 5,431 |
| Return on Equity (ROE) | 2.2937% | 5,261 |
| Retained earnings to average equity (ytd only) | -0.3799% | 5,269 |
| Net charge-offs to loans | 0.0852% | 1,949 |
| Credit loss provision to net charge-offs | 150.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 2.9997% | 3,392 |
| Efficiency ratio | 95.9856% | 251 |
| Assets per employee ($millions) | 3.0182% | 5,253 |
| Cash dividends to net income (ytd only)* | 116.5576% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,265 |
| Loan loss allowance to noncurrent loans | 816.4179% | 697 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 866 |
| Noncurrent loans to loans | 0.1616% | 4,415 |
| Net loans and leases to total assets | 58.9300% | 3,971 |
| Net loans and leases to deposits | 71.7407% | 3,799 |
| Net loans and leases to core deposits | 74.1988% | 3,959 |
| Total domestic deposits to total assets | 82.1430% | 3,731 |
| Equity capital to assets | 13.1753% | 1,307 |
| Core capital (leverage) ratio | 13.0109% | 1,202 |
| Tier 1 risk-based capital ratio | 23.1489% | 933 |
| Total risk-based capital ratio | 24.3999% | 917 |
| Memoranda: | ||
| Average total assets | $70,099,750 | 4,824 |
| Average earning assets | $63,016,500 | 4,850 |
| Average equity | $9,126,250 | 4,641 |
| Average total loans | $40,670,000 | 4,756 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 3,522 |
| Cost of funding earning assets | 0.2816% | 4,272 |
| Net interest margin | 3.6287% | 2,921 |
| Noninterest income to average assets | 0.3981% | 3,701 |
| Noninterest expense to average assets | 3.1254% | 1,781 |
| Loan and lease loss provision to assets | 0.0711% | 2,551 |
| Net operating income to assets | 0.4635% | 4,815 |
| Return on assets (ROA) | 0.5290% | 4,648 |
| Pretax return on assets | 0.5290% | 4,957 |
| Return on Equity (ROE) | 4.0791% | 4,806 |
| Retained earnings to average equity (ytd only) | 0.8334% | 4,885 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3924% | 738 |
| Assets per employee ($millions) | 2.9171% | 5,339 |
| Cash dividends to net income (ytd only)* | 79.5699% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 2,056 |
| Loan loss allowance to noncurrent loans | 338.7879% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 1.8840% | 704 |
| Noncurrent loans to loans | 0.4065% | 3,569 |
| Net loans and leases to total assets | 57.1782% | 4,105 |
| Net loans and leases to deposits | 69.3682% | 3,954 |
| Net loans and leases to core deposits | 71.7093% | 4,112 |
| Total domestic deposits to total assets | 82.4270% | 3,760 |
| Equity capital to assets | 13.1794% | 1,290 |
| Core capital (leverage) ratio | 13.1379% | 1,122 |
| Tier 1 risk-based capital ratio | 23.5352% | 895 |
| Total risk-based capital ratio | 24.7878% | 883 |
| Memoranda: | ||
| Average total assets | $70,327,000 | 4,859 |
| Average earning assets | $63,218,330 | 4,884 |
| Average equity | $9,119,670 | 4,667 |
| Average total loans | $40,408,330 | 4,795 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8637% | 3,537 |
| Cost of funding earning assets | 0.2719% | 4,337 |
| Net interest margin | 3.5918% | 2,913 |
| Noninterest income to average assets | 0.3632% | 3,934 |
| Noninterest expense to average assets | 2.9907% | 2,187 |
| Loan and lease loss provision to assets | 0.0567% | 2,675 |
| Net operating income to assets | 0.5391% | 4,426 |
| Return on assets (ROA) | 0.6413% | 4,012 |
| Pretax return on assets | 0.6413% | 4,627 |
| Return on Equity (ROE) | 4.9857% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.1619% | 4,279 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3861% | 1,025 |
| Assets per employee ($millions) | 2.9148% | 5,416 |
| Cash dividends to net income (ytd only)* | 56.6372% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,293 |
| Loan loss allowance to noncurrent loans | 348.7179% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 1.8869% | 726 |
| Noncurrent loans to loans | 0.3880% | 3,717 |
| Net loans and leases to total assets | 56.6985% | 4,100 |
| Net loans and leases to deposits | 68.6668% | 3,923 |
| Net loans and leases to core deposits | 70.9807% | 4,074 |
| Total domestic deposits to total assets | 82.5705% | 3,982 |
| Equity capital to assets | 13.0439% | 1,240 |
| Core capital (leverage) ratio | 13.1024% | 1,100 |
| Tier 1 risk-based capital ratio | 23.6354% | 903 |
| Total risk-based capital ratio | 24.8862% | 885 |
| Memoranda: | ||
| Average total assets | $70,485,000 | 4,906 |
| Average earning assets | $63,256,000 | 4,936 |
| Average equity | $9,066,000 | 4,706 |
| Average total loans | $40,317,500 | 4,839 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 3,936 |
| Cost of funding earning assets | 0.2616% | 4,447 |
| Net interest margin | 3.5304% | 3,315 |
| Noninterest income to average assets | 0.3854% | 3,994 |
| Noninterest expense to average assets | 3.1062% | 2,014 |
| Loan and lease loss provision to assets | 0.0360% | 3,646 |
| Net operating income to assets | 0.4162% | 4,888 |
| Return on assets (ROA) | 0.5608% | 4,486 |
| Pretax return on assets | 0.5997% | 4,787 |
| Return on Equity (ROE) | 4.2473% | 4,756 |
| Retained earnings to average equity (ytd only) | 1.7969% | 4,505 |
| Net charge-offs to loans | 0.0726% | 2,662 |
| Credit loss provision to net charge-offs | 92.5926% | 2,752 |
| Earnings coverage of net charge-offs (x) | 12.4074% | 2,455 |
| Efficiency ratio | 86.5731% | 781 |
| Assets per employee ($millions) | 2.9589% | 5,384 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 2,425 |
| Loan loss allowance to noncurrent loans | 53.8306% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.8180% | 803 |
| Noncurrent loans to loans | 2.4538% | 645 |
| Net loans and leases to total assets | 56.1762% | 4,252 |
| Net loans and leases to deposits | 67.9215% | 4,088 |
| Net loans and leases to core deposits | 70.1650% | 4,227 |
| Total domestic deposits to total assets | 82.7076% | 3,858 |
| Equity capital to assets | 12.6834% | 1,406 |
| Core capital (leverage) ratio | 13.0103% | 1,129 |
| Tier 1 risk-based capital ratio | 23.6160% | 903 |
| Total risk-based capital ratio | 24.8678% | 889 |
| Memoranda: | ||
| Average total assets | $69,539,200 | 4,948 |
| Average earning assets | $63,081,000 | 4,959 |
| Average equity | $9,182,400 | 4,719 |
| Average total loans | $37,176,600 | 4,975 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 4,007 |
| Cost of funding earning assets | 0.2645% | 4,457 |
| Net interest margin | 3.5086% | 3,437 |
| Noninterest income to average assets | 0.3817% | 4,057 |
| Noninterest expense to average assets | 3.1207% | 1,973 |
| Loan and lease loss provision to assets | 0.0193% | 3,861 |
| Net operating income to assets | 0.4011% | 5,010 |
| Return on assets (ROA) | 0.5802% | 4,481 |
| Pretax return on assets | 0.6322% | 4,796 |
| Return on Equity (ROE) | 4.3498% | 4,779 |
| Retained earnings to average equity (ytd only) | 1.6041% | 4,868 |
| Net charge-offs to loans | 0.0037% | 3,798 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 237.5865% | 329 |
| Efficiency ratio | 87.2306% | 722 |
| Assets per employee ($millions) | 3.2119% | 5,159 |
| Cash dividends to net income (ytd only)* | 63.1242% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 2,310 |
| Loan loss allowance to noncurrent loans | 328.3133% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 2,970 |
| Noncurrent loans to loans | 0.4193% | 3,775 |
| Net loans and leases to total assets | 55.2540% | 4,380 |
| Net loans and leases to deposits | 66.9795% | 4,250 |
| Net loans and leases to core deposits | 69.2105% | 4,382 |
| Total domestic deposits to total assets | 82.4939% | 3,783 |
| Equity capital to assets | 13.1133% | 1,434 |
| Core capital (leverage) ratio | 12.8259% | 1,254 |
| Tier 1 risk-based capital ratio | 21.9781% | 1,141 |
| Total risk-based capital ratio | 23.2295% | 1,120 |
| Memoranda: | ||
| Average total assets | $69,170,500 | 4,995 |
| Average earning assets | $63,005,250 | 5,004 |
| Average equity | $9,226,250 | 4,758 |
| Average total loans | $36,364,000 | 5,050 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,226 |
| Cost of funding earning assets | 0.2625% | 4,521 |
| Net interest margin | 3.4568% | 3,655 |
| Noninterest income to average assets | 0.3815% | 4,014 |
| Noninterest expense to average assets | 3.0725% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4543% | 4,855 |
| Return on assets (ROA) | 0.7485% | 3,709 |
| Pretax return on assets | 0.7485% | 4,461 |
| Return on Equity (ROE) | 5.5791% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.5399% | 4,270 |
| Net charge-offs to loans | 0.0113% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 717 |
| Efficiency ratio | 87.1181% | 779 |
| Assets per employee ($millions) | 2.9219% | 5,512 |
| Cash dividends to net income (ytd only)* | 54.4747% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 2,099 |
| Loan loss allowance to noncurrent loans | 188.6926% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9012% | 2,354 |
| Noncurrent loans to loans | 0.7639% | 2,835 |
| Net loans and leases to total assets | 52.0699% | 4,667 |
| Net loans and leases to deposits | 63.2277% | 4,551 |
| Net loans and leases to core deposits | 65.3459% | 4,657 |
| Total domestic deposits to total assets | 82.3529% | 3,891 |
| Equity capital to assets | 13.2021% | 1,386 |
| Core capital (leverage) ratio | 12.8587% | 1,210 |
| Tier 1 risk-based capital ratio | 25.3099% | 788 |
| Total risk-based capital ratio | 26.5635% | 769 |
| Memoranda: | ||
| Average total assets | $68,673,670 | 5,054 |
| Average earning assets | $62,486,000 | 5,062 |
| Average equity | $9,213,000 | 4,798 |
| Average total loans | $35,289,330 | 5,129 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6970% | 4,335 |
| Cost of funding earning assets | 0.2530% | 4,671 |
| Net interest margin | 3.4440% | 3,695 |
| Noninterest income to average assets | 0.3709% | 4,073 |
| Noninterest expense to average assets | 2.9905% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5063% | 4,605 |
| Return on assets (ROA) | 1.1008% | 1,999 |
| Pretax return on assets | 1.1008% | 3,090 |
| Return on Equity (ROE) | 8.1388% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.1388% | 1,395 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5219% | 1,021 |
| Assets per employee ($millions) | 3.5207% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,904 |
| Loan loss allowance to noncurrent loans | 462.0690% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 3,079 |
| Noncurrent loans to loans | 0.3288% | 4,261 |
| Net loans and leases to total assets | 49.3496% | 4,854 |
| Net loans and leases to deposits | 59.8873% | 4,725 |
| Net loans and leases to core deposits | 61.8827% | 4,824 |
| Total domestic deposits to total assets | 82.4041% | 4,090 |
| Equity capital to assets | 13.1906% | 1,324 |
| Core capital (leverage) ratio | 13.4579% | 1,002 |
| Tier 1 risk-based capital ratio | 23.1391% | 1,001 |
| Total risk-based capital ratio | 24.3902% | 987 |
| Memoranda: | ||
| Average total assets | $67,948,000 | 5,118 |
| Average earning assets | $61,672,000 | 5,121 |
| Average equity | $9,190,500 | 4,814 |
| Average total loans | $34,410,000 | 5,200 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 4,239 |
| Cost of funding earning assets | 0.2278% | 5,029 |
| Net interest margin | 3.5102% | 3,486 |
| Noninterest income to average assets | 0.4521% | 3,648 |
| Noninterest expense to average assets | 3.3002% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3376% | 5,247 |
| Return on assets (ROA) | 0.3763% | 5,206 |
| Pretax return on assets | 0.3763% | 5,367 |
| Return on Equity (ROE) | 2.5786% | 5,435 |
| Retained earnings to average equity (ytd only) | -8.4290% | 6,009 |
| Net charge-offs to loans | -0.0031% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7195% | 649 |
| Assets per employee ($millions) | 3.1182% | 5,395 |
| Cash dividends to net income (ytd only)* | 426.8775% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 1,621 |
| Loan loss allowance to noncurrent loans | 446.6667% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 2,908 |
| Noncurrent loans to loans | 0.3578% | 4,166 |
| Net loans and leases to total assets | 50.3940% | 4,838 |
| Net loans and leases to deposits | 59.1645% | 4,837 |
| Net loans and leases to core deposits | 60.2732% | 4,964 |
| Total domestic deposits to total assets | 85.1761% | 3,012 |
| Equity capital to assets | 13.8863% | 971 |
| Core capital (leverage) ratio | 13.6736% | 914 |
| Tier 1 risk-based capital ratio | 27.3180% | 642 |
| Total risk-based capital ratio | 28.5727% | 625 |
| Memoranda: | ||
| Average total assets | $67,237,800 | 5,152 |
| Average earning assets | $61,022,200 | 5,161 |
| Average equity | $9,811,400 | 4,688 |
| Average total loans | $32,075,200 | 5,292 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6924% | 4,446 |
| Cost of funding earning assets | 0.2297% | 5,094 |
| Net interest margin | 3.4627% | 3,705 |
| Noninterest income to average assets | 0.4551% | 3,677 |
| Noninterest expense to average assets | 3.3137% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2896% | 5,482 |
| Return on assets (ROA) | 0.3408% | 5,427 |
| Pretax return on assets | 0.3408% | 5,573 |
| Return on Equity (ROE) | 2.3087% | 5,606 |
| Retained earnings to average equity (ytd only) | 0.8408% | 5,368 |
| Net charge-offs to loans | -0.0042% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9628% | 578 |
| Assets per employee ($millions) | 3.1450% | 5,370 |
| Cash dividends to net income (ytd only)* | 63.5828% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 1,701 |
| Loan loss allowance to noncurrent loans | 530.6931% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 3,209 |
| Noncurrent loans to loans | 0.3060% | 4,505 |
| Net loans and leases to total assets | 49.1665% | 5,004 |
| Net loans and leases to deposits | 59.1228% | 4,918 |
| Net loans and leases to core deposits | 60.2471% | 5,050 |
| Total domestic deposits to total assets | 83.1600% | 3,749 |
| Equity capital to assets | 15.0958% | 718 |
| Core capital (leverage) ratio | 14.8102% | 677 |
| Tier 1 risk-based capital ratio | 27.5178% | 651 |
| Total risk-based capital ratio | 28.7708% | 631 |
| Memoranda: | ||
| Average total assets | $67,676,750 | 5,201 |
| Average earning assets | $61,530,000 | 5,206 |
| Average equity | $9,991,000 | 4,723 |
| Average total loans | $31,710,250 | 5,365 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 4,603 |
| Cost of funding earning assets | 0.2219% | 5,237 |
| Net interest margin | 3.4191% | 3,836 |
| Noninterest income to average assets | 0.4310% | 3,847 |
| Noninterest expense to average assets | 3.1896% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3577% | 5,265 |
| Return on assets (ROA) | 0.4310% | 5,138 |
| Pretax return on assets | 0.4310% | 5,399 |
| Return on Equity (ROE) | 2.9406% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.2402% | 5,062 |
| Net charge-offs to loans | -0.0064% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9174% | 757 |
| Assets per employee ($millions) | 2.9282% | 5,683 |
| Cash dividends to net income (ytd only)* | 57.8231% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 1,753 |
| Loan loss allowance to noncurrent loans | 1,307.3171% | 445 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 2,298 |
| Noncurrent loans to loans | 0.1260% | 5,247 |
| Net loans and leases to total assets | 47.5099% | 5,145 |
| Net loans and leases to deposits | 56.9646% | 5,066 |
| Net loans and leases to core deposits | 58.0202% | 5,192 |
| Total domestic deposits to total assets | 83.4026% | 3,791 |
| Equity capital to assets | 14.7577% | 756 |
| Core capital (leverage) ratio | 14.4868% | 716 |
| Tier 1 risk-based capital ratio | 27.0865% | 702 |
| Total risk-based capital ratio | 28.3393% | 686 |
| Memoranda: | ||
| Average total assets | $68,220,670 | 5,248 |
| Average earning assets | $62,179,330 | 5,247 |
| Average equity | $9,998,000 | 4,750 |
| Average total loans | $31,277,670 | 5,424 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 4,854 |
| Cost of funding earning assets | 0.2293% | 5,224 |
| Net interest margin | 3.3120% | 4,162 |
| Noninterest income to average assets | 0.4370% | 3,713 |
| Noninterest expense to average assets | 2.9072% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5593% | 4,446 |
| Return on assets (ROA) | 0.6525% | 4,156 |
| Pretax return on assets | 0.6525% | 4,751 |
| Return on Equity (ROE) | 4.4677% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.4677% | 3,338 |
| Net charge-offs to loans | -0.0131% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8655% | 1,396 |
| Assets per employee ($millions) | 3.1270% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 1,596 |
| Loan loss allowance to noncurrent loans | 1,246.5116% | 448 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 2,412 |
| Noncurrent loans to loans | 0.1409% | 5,271 |
| Net loans and leases to total assets | 43.5713% | 5,382 |
| Net loans and leases to deposits | 51.4911% | 5,360 |
| Net loans and leases to core deposits | 52.4103% | 5,459 |
| Total domestic deposits to total assets | 84.6191% | 3,574 |
| Equity capital to assets | 14.7137% | 778 |
| Core capital (leverage) ratio | 14.4858% | 696 |
| Tier 1 risk-based capital ratio | 28.3344% | 632 |
| Total risk-based capital ratio | 29.5865% | 620 |
| Memoranda: | ||
| Average total assets | $68,657,000 | 5,293 |
| Average earning assets | $62,801,000 | 5,284 |
| Average equity | $10,027,500 | 4,774 |
| Average total loans | $30,650,000 | 5,480 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,673 |
| Cost of funding earning assets | 0.2391% | 5,430 |
| Net interest margin | 3.5024% | 3,778 |
| Noninterest income to average assets | 0.4479% | 3,843 |
| Noninterest expense to average assets | 3.1516% | 2,356 |
| Loan and lease loss provision to assets | 0.0802% | 2,878 |
| Net operating income to assets | 0.4042% | 5,207 |
| Return on assets (ROA) | 0.5092% | 4,860 |
| Pretax return on assets | 0.5311% | 5,166 |
| Return on Equity (ROE) | 3.4999% | 5,291 |
| Retained earnings to average equity (ytd only) | 0.4212% | 5,586 |
| Net charge-offs to loans | 0.1080% | 2,972 |
| Credit loss provision to net charge-offs | 161.7647% | 1,500 |
| Earnings coverage of net charge-offs (x) | 10.1176% | 2,654 |
| Efficiency ratio | 86.2620% | 1,141 |
| Assets per employee ($millions) | 3.1146% | 5,541 |
| Cash dividends to net income (ytd only)* | 87.9656% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 1,685 |
| Loan loss allowance to noncurrent loans | 1,215.9091% | 511 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 2,522 |
| Noncurrent loans to loans | 0.1429% | 5,321 |
| Net loans and leases to total assets | 44.1543% | 5,452 |
| Net loans and leases to deposits | 52.2521% | 5,464 |
| Net loans and leases to core deposits | 53.1872% | 5,552 |
| Total domestic deposits to total assets | 84.5026% | 3,505 |
| Equity capital to assets | 14.4963% | 812 |
| Core capital (leverage) ratio | 13.7293% | 889 |
| Tier 1 risk-based capital ratio | 27.0577% | 682 |
| Total risk-based capital ratio | 28.3121% | 660 |
| Memoranda: | ||
| Average total assets | $68,537,400 | 5,333 |
| Average earning assets | $62,728,400 | 5,318 |
| Average equity | $9,971,800 | 4,757 |
| Average total loans | $31,484,200 | 5,507 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 4,676 |
| Cost of funding earning assets | 0.2424% | 5,483 |
| Net interest margin | 3.5194% | 3,755 |
| Noninterest income to average assets | 0.4532% | 3,874 |
| Noninterest expense to average assets | 2.9723% | 2,897 |
| Loan and lease loss provision to assets | 0.1070% | 2,253 |
| Net operating income to assets | 0.5748% | 4,569 |
| Return on assets (ROA) | 0.6672% | 4,216 |
| Pretax return on assets | 0.6886% | 4,736 |
| Return on Equity (ROE) | 4.5817% | 4,918 |
| Retained earnings to average equity (ytd only) | 2.6448% | 4,709 |
| Net charge-offs to loans | 0.1601% | 2,204 |
| Credit loss provision to net charge-offs | 144.7368% | 1,630 |
| Earnings coverage of net charge-offs (x) | 9.4729% | 2,668 |
| Efficiency ratio | 80.9322% | 1,773 |
| Assets per employee ($millions) | 3.4112% | 5,030 |
| Cash dividends to net income (ytd only)* | 42.2746% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 1,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 2,505 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.0816% | 5,447 |
| Net loans and leases to deposits | 53.8040% | 5,406 |
| Net loans and leases to core deposits | 54.7786% | 5,521 |
| Total domestic deposits to total assets | 83.7885% | 3,840 |
| Equity capital to assets | 14.8425% | 767 |
| Core capital (leverage) ratio | 13.9530% | 856 |
| Tier 1 risk-based capital ratio | 26.9444% | 713 |
| Total risk-based capital ratio | 28.1961% | 695 |
| Memoranda: | ||
| Average total assets | $68,541,500 | 5,391 |
| Average earning assets | $62,698,000 | 5,381 |
| Average equity | $9,981,500 | 4,788 |
| Average total loans | $31,657,750 | 5,553 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,786 |
| Cost of funding earning assets | 0.2417% | 5,567 |
| Net interest margin | 3.4823% | 3,846 |
| Noninterest income to average assets | 0.4370% | 3,973 |
| Noninterest expense to average assets | 2.9600% | 2,967 |
| Loan and lease loss provision to assets | 0.1602% | 1,548 |
| Net operating income to assets | 0.4840% | 4,874 |
| Return on assets (ROA) | 0.5623% | 4,638 |
| Pretax return on assets | 0.5885% | 4,986 |
| Return on Equity (ROE) | 3.8859% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.6779% | 4,504 |
| Net charge-offs to loans | 0.1259% | 2,410 |
| Credit loss provision to net charge-offs | 275.0000% | 922 |
| Earnings coverage of net charge-offs (x) | 11.4500% | 2,157 |
| Efficiency ratio | 81.6064% | 1,792 |
| Assets per employee ($millions) | 3.4290% | 4,997 |
| Cash dividends to net income (ytd only)* | 31.0881% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 2,246 |
| Loan loss allowance to noncurrent loans | 54,900.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 2,644 |
| Noncurrent loans to loans | 0.0030% | 6,103 |
| Net loans and leases to total assets | 47.2302% | 5,241 |
| Net loans and leases to deposits | 56.2356% | 5,175 |
| Net loans and leases to core deposits | 57.2433% | 5,321 |
| Total domestic deposits to total assets | 83.9864% | 3,923 |
| Equity capital to assets | 14.6619% | 783 |
| Core capital (leverage) ratio | 13.7099% | 913 |
| Tier 1 risk-based capital ratio | 26.8627% | 711 |
| Total risk-based capital ratio | 28.1154% | 696 |
| Memoranda: | ||
| Average total assets | $68,647,670 | 5,434 |
| Average earning assets | $62,889,670 | 5,427 |
| Average equity | $9,933,330 | 4,820 |
| Average total loans | $31,781,330 | 5,587 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 4,863 |
| Cost of funding earning assets | 0.2421% | 5,663 |
| Net interest margin | 3.4526% | 3,888 |
| Noninterest income to average assets | 0.4543% | 3,752 |
| Noninterest expense to average assets | 3.1042% | 2,517 |
| Loan and lease loss provision to assets | 0.2038% | 1,137 |
| Net operating income to assets | 0.3028% | 5,481 |
| Return on assets (ROA) | 0.4659% | 4,934 |
| Pretax return on assets | 0.4659% | 5,267 |
| Return on Equity (ROE) | 3.2413% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.2413% | 4,175 |
| Net charge-offs to loans | 0.1538% | 1,796 |
| Credit loss provision to net charge-offs | 291.6667% | 814 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,134 |
| Efficiency ratio | 85.9677% | 1,461 |
| Assets per employee ($millions) | 3.1215% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 2,261 |
| Loan loss allowance to noncurrent loans | 26,850.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 2,979 |
| Noncurrent loans to loans | 0.0064% | 6,170 |
| Net loans and leases to total assets | 44.4804% | 5,467 |
| Net loans and leases to deposits | 52.7191% | 5,410 |
| Net loans and leases to core deposits | 53.6573% | 5,525 |
| Total domestic deposits to total assets | 84.3723% | 4,136 |
| Equity capital to assets | 14.4671% | 799 |
| Core capital (leverage) ratio | 13.9134% | 848 |
| Tier 1 risk-based capital ratio | 27.9661% | 644 |
| Total risk-based capital ratio | 29.2200% | 631 |
| Memoranda: | ||
| Average total assets | $68,682,000 | 5,483 |
| Average earning assets | $62,793,000 | 5,479 |
| Average equity | $9,872,500 | 4,852 |
| Average total loans | $31,202,500 | 5,665 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 4,889 |
| Cost of funding earning assets | 0.2918% | 5,660 |
| Net interest margin | 3.4857% | 3,958 |
| Noninterest income to average assets | 0.4353% | 4,192 |
| Noninterest expense to average assets | 3.0967% | 2,742 |
| Loan and lease loss provision to assets | 0.0146% | 4,837 |
| Net operating income to assets | 0.4892% | 4,778 |
| Return on assets (ROA) | 0.5299% | 4,720 |
| Pretax return on assets | 0.5299% | 5,103 |
| Return on Equity (ROE) | 3.6067% | 5,280 |
| Retained earnings to average equity (ytd only) | -2.5861% | 6,231 |
| Net charge-offs to loans | 0.0296% | 4,835 |
| Credit loss provision to net charge-offs | 111.1111% | 2,161 |
| Earnings coverage of net charge-offs (x) | 38.4444% | 977 |
| Efficiency ratio | 86.0089% | 1,413 |
| Assets per employee ($millions) | 3.2710% | 5,340 |
| Cash dividends to net income (ytd only)* | 171.7033% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 2,607 |
| Loan loss allowance to noncurrent loans | 25,700.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 3,127 |
| Noncurrent loans to loans | 0.0064% | 6,283 |
| Net loans and leases to total assets | 44.8501% | 5,596 |
| Net loans and leases to deposits | 53.0541% | 5,546 |
| Net loans and leases to core deposits | 53.9932% | 5,673 |
| Total domestic deposits to total assets | 84.5365% | 3,948 |
| Equity capital to assets | 14.2813% | 832 |
| Core capital (leverage) ratio | 13.8487% | 869 |
| Tier 1 risk-based capital ratio | 27.6579% | 631 |
| Total risk-based capital ratio | 28.9087% | 617 |
| Memoranda: | ||
| Average total assets | $68,686,000 | 5,520 |
| Average earning assets | $62,368,600 | 5,528 |
| Average equity | $10,092,400 | 4,824 |
| Average total loans | $30,423,000 | 5,741 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 4,906 |
| Cost of funding earning assets | 0.3018% | 5,717 |
| Net interest margin | 3.4850% | 3,946 |
| Noninterest income to average assets | 0.4368% | 4,251 |
| Noninterest expense to average assets | 3.2476% | 2,212 |
| Loan and lease loss provision to assets | 0.0194% | 4,620 |
| Net operating income to assets | 0.3300% | 5,493 |
| Return on assets (ROA) | 0.3844% | 5,446 |
| Pretax return on assets | 0.3844% | 5,670 |
| Return on Equity (ROE) | 2.5976% | 5,753 |
| Retained earnings to average equity (ytd only) | -5.6019% | 6,518 |
| Net charge-offs to loans | 0.0397% | 4,351 |
| Credit loss provision to net charge-offs | 111.1111% | 2,120 |
| Earnings coverage of net charge-offs (x) | 19.9992% | 1,607 |
| Efficiency ratio | 90.2860% | 968 |
| Assets per employee ($millions) | 3.0496% | 5,773 |
| Cash dividends to net income (ytd only)* | 315.6597% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 2,544 |
| Loan loss allowance to noncurrent loans | 17,133.3333% | 51 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 3,230 |
| Noncurrent loans to loans | 0.0101% | 6,343 |
| Net loans and leases to total assets | 43.6780% | 5,749 |
| Net loans and leases to deposits | 51.7583% | 5,723 |
| Net loans and leases to core deposits | 52.6975% | 5,851 |
| Total domestic deposits to total assets | 84.3884% | 4,032 |
| Equity capital to assets | 14.3477% | 867 |
| Core capital (leverage) ratio | 13.8358% | 909 |
| Tier 1 risk-based capital ratio | 28.1597% | 621 |
| Total risk-based capital ratio | 29.4148% | 606 |
| Memoranda: | ||
| Average total assets | $68,684,750 | 5,575 |
| Average earning assets | $62,284,000 | 5,585 |
| Average equity | $10,163,000 | 4,853 |
| Average total loans | $30,198,250 | 5,805 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 4,827 |
| Cost of funding earning assets | 0.3157% | 5,709 |
| Net interest margin | 3.4859% | 3,834 |
| Noninterest income to average assets | 0.4219% | 4,365 |
| Noninterest expense to average assets | 3.3807% | 1,867 |
| Loan and lease loss provision to assets | 0.0289% | 4,350 |
| Net operating income to assets | 0.0751% | 6,186 |
| Return on assets (ROA) | 0.0751% | 6,271 |
| Pretax return on assets | 0.1705% | 6,125 |
| Return on Equity (ROE) | 0.5028% | 6,310 |
| Retained earnings to average equity (ytd only) | 0.0193% | 5,840 |
| Net charge-offs to loans | 0.0198% | 4,445 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,345 |
| Efficiency ratio | 94.4310% | 746 |
| Assets per employee ($millions) | 3.2319% | 5,409 |
| Cash dividends to net income (ytd only)* | 96.1538% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8143% | 2,392 |
| Loan loss allowance to noncurrent loans | 1,444.4444% | 348 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 3,312 |
| Noncurrent loans to loans | 0.1256% | 6,009 |
| Net loans and leases to total assets | 41.4637% | 5,934 |
| Net loans and leases to deposits | 49.5187% | 5,880 |
| Net loans and leases to core deposits | 50.4111% | 6,003 |
| Total domestic deposits to total assets | 83.7334% | 4,440 |
| Equity capital to assets | 14.9155% | 730 |
| Core capital (leverage) ratio | 14.0912% | 803 |
| Tier 1 risk-based capital ratio | 30.5893% | 493 |
| Total risk-based capital ratio | 31.8437% | 495 |
| Memoranda: | ||
| Average total assets | $69,216,000 | 5,596 |
| Average earning assets | $62,710,330 | 5,601 |
| Average equity | $10,342,000 | 4,861 |
| Average total loans | $30,325,000 | 5,835 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 4,708 |
| Cost of funding earning assets | 0.3347% | 5,678 |
| Net interest margin | 3.4990% | 3,702 |
| Noninterest income to average assets | 0.3949% | 4,503 |
| Noninterest expense to average assets | 3.1535% | 2,505 |
| Loan and lease loss provision to assets | 0.0572% | 3,681 |
| Net operating income to assets | 0.3434% | 5,388 |
| Return on assets (ROA) | 0.3434% | 5,532 |
| Pretax return on assets | 0.3548% | 5,705 |
| Return on Equity (ROE) | 2.2963% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.3395% | 5,315 |
| Net charge-offs to loans | 0.0770% | 3,070 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,634 |
| Efficiency ratio | 88.4430% | 1,279 |
| Assets per employee ($millions) | 3.4604% | 5,066 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 2,919 |
| Loan loss allowance to noncurrent loans | 1,148.8889% | 419 |
| Noncurrent assets plus other real estate owned to assets | 1.3799% | 3,200 |
| Noncurrent loans to loans | 0.1499% | 6,018 |
| Net loans and leases to total assets | 42.6410% | 5,790 |
| Net loans and leases to deposits | 50.9548% | 5,712 |
| Net loans and leases to core deposits | 51.6279% | 5,850 |
| Total domestic deposits to total assets | 83.6840% | 4,600 |
| Equity capital to assets | 15.1269% | 727 |
| Core capital (leverage) ratio | 14.1056% | 771 |
| Tier 1 risk-based capital ratio | 29.6535% | 550 |
| Total risk-based capital ratio | 30.9144% | 543 |
| Memoranda: | ||
| Average total assets | $69,889,500 | 5,630 |
| Average earning assets | $63,333,000 | 5,635 |
| Average equity | $10,451,500 | 4,894 |
| Average total loans | $31,157,000 | 5,840 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 4,254 |
| Cost of funding earning assets | 0.3852% | 6,014 |
| Net interest margin | 3.8999% | 2,829 |
| Noninterest income to average assets | 1.1169% | 1,248 |
| Noninterest expense to average assets | 3.2282% | 2,522 |
| Loan and lease loss provision to assets | 0.3138% | 2,184 |
| Net operating income to assets | 0.8964% | 2,837 |
| Return on assets (ROA) | 1.0233% | 2,450 |
| Pretax return on assets | 1.2234% | 2,712 |
| Return on Equity (ROE) | 6.8448% | 3,733 |
| Retained earnings to average equity (ytd only) | 2.0313% | 4,799 |
| Net charge-offs to loans | 0.8930% | 1,278 |
| Credit loss provision to net charge-offs | 70.5502% | 4,141 |
| Earnings coverage of net charge-offs (x) | 3.1165% | 3,877 |
| Efficiency ratio | 69.9626% | 3,824 |
| Assets per employee ($millions) | 3.5286% | 4,957 |
| Cash dividends to net income (ytd only)* | 70.3235% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 3,370 |
| Loan loss allowance to noncurrent loans | 10,260.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 1.2966% | 3,485 |
| Noncurrent loans to loans | 0.0155% | 6,503 |
| Net loans and leases to total assets | 45.0227% | 5,725 |
| Net loans and leases to deposits | 55.3681% | 5,505 |
| Net loans and leases to core deposits | 55.6153% | 5,742 |
| Total domestic deposits to total assets | 81.3153% | 5,305 |
| Equity capital to assets | 14.7851% | 793 |
| Core capital (leverage) ratio | 14.2321% | 736 |
| Tier 1 risk-based capital ratio | 27.5245% | 660 |
| Total risk-based capital ratio | 28.7826% | 642 |
| Memoranda: | ||
| Average total assets | $69,481,000 | 5,643 |
| Average earning assets | $62,309,400 | 5,657 |
| Average equity | $10,387,400 | 4,895 |
| Average total loans | $34,600,800 | 5,734 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 4,186 |
| Cost of funding earning assets | 0.3953% | 6,147 |
| Net interest margin | 3.9698% | 2,628 |
| Noninterest income to average assets | 1.3370% | 829 |
| Noninterest expense to average assets | 3.1903% | 2,597 |
| Loan and lease loss provision to assets | 0.3814% | 1,693 |
| Net operating income to assets | 1.0941% | 2,115 |
| Return on assets (ROA) | 1.2599% | 1,706 |
| Pretax return on assets | 1.5277% | 1,786 |
| Return on Equity (ROE) | 8.4040% | 3,082 |
| Retained earnings to average equity (ytd only) | 4.5490% | 3,698 |
| Net charge-offs to loans | 1.1901% | 828 |
| Credit loss provision to net charge-offs | 63.0573% | 4,073 |
| Earnings coverage of net charge-offs (x) | 2.8216% | 3,910 |
| Efficiency ratio | 65.1456% | 4,601 |
| Assets per employee ($millions) | 3.6303% | 4,699 |
| Cash dividends to net income (ytd only)* | 45.8715% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 4,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6064% | 3,187 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 47.4302% | 5,618 |
| Net loans and leases to deposits | 58.9056% | 5,323 |
| Net loans and leases to core deposits | 59.1763% | 5,637 |
| Total domestic deposits to total assets | 80.5190% | 5,508 |
| Equity capital to assets | 15.3940% | 728 |
| Core capital (leverage) ratio | 14.4791% | 712 |
| Tier 1 risk-based capital ratio | 27.7112% | 688 |
| Total risk-based capital ratio | 28.8796% | 677 |
| Memoranda: | ||
| Average total assets | $69,208,500 | 5,712 |
| Average earning assets | $62,067,000 | 5,737 |
| Average equity | $10,375,750 | 4,946 |
| Average total loans | $35,179,500 | 5,785 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 4,141 |
| Cost of funding earning assets | 0.4227% | 6,144 |
| Net interest margin | 3.9886% | 2,553 |
| Noninterest income to average assets | 0.5167% | 3,809 |
| Noninterest expense to average assets | 3.0165% | 3,199 |
| Loan and lease loss provision to assets | 0.2021% | 3,059 |
| Net operating income to assets | 0.7411% | 3,642 |
| Return on assets (ROA) | 0.9988% | 2,693 |
| Pretax return on assets | 1.1691% | 3,049 |
| Return on Equity (ROE) | 6.7217% | 3,929 |
| Retained earnings to average equity (ytd only) | 2.8363% | 4,739 |
| Net charge-offs to loans | 0.8036% | 1,366 |
| Credit loss provision to net charge-offs | 48.6111% | 4,069 |
| Earnings coverage of net charge-offs (x) | 2.5694% | 3,726 |
| Efficiency ratio | 73.8516% | 3,100 |
| Assets per employee ($millions) | 3.4259% | 5,149 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,850 |
| Loan loss allowance to noncurrent loans | 106.4257% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2301% | 2,512 |
| Noncurrent loans to loans | 1.4421% | 3,751 |
| Net loans and leases to total assets | 49.6271% | 5,405 |
| Net loans and leases to deposits | 61.4994% | 5,069 |
| Net loans and leases to core deposits | 61.7832% | 5,410 |
| Total domestic deposits to total assets | 80.6953% | 5,561 |
| Equity capital to assets | 15.0838% | 764 |
| Core capital (leverage) ratio | 14.2429% | 749 |
| Tier 1 risk-based capital ratio | 26.2114% | 787 |
| Total risk-based capital ratio | 27.4643% | 775 |
| Memoranda: | ||
| Average total assets | $69,286,330 | 5,749 |
| Average earning assets | $61,976,000 | 5,768 |
| Average equity | $10,295,000 | 4,965 |
| Average total loans | $35,838,330 | 5,792 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 4,081 |
| Cost of funding earning assets | 0.4681% | 6,028 |
| Net interest margin | 3.9887% | 2,557 |
| Noninterest income to average assets | 0.5110% | 3,843 |
| Noninterest expense to average assets | 3.2151% | 2,553 |
| Loan and lease loss provision to assets | 0.0861% | 4,301 |
| Net operating income to assets | 0.6779% | 3,992 |
| Return on assets (ROA) | 0.7578% | 3,822 |
| Pretax return on assets | 0.8727% | 4,139 |
| Return on Equity (ROE) | 5.1387% | 4,720 |
| Retained earnings to average equity (ytd only) | 5.1387% | 3,476 |
| Net charge-offs to loans | 0.0438% | 4,078 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 781 |
| Efficiency ratio | 78.7623% | 2,386 |
| Assets per employee ($millions) | 3.2814% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 3,270 |
| Loan loss allowance to noncurrent loans | 109.0426% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 2,594 |
| Noncurrent loans to loans | 1.5771% | 3,746 |
| Net loans and leases to total assets | 51.0049% | 5,159 |
| Net loans and leases to deposits | 64.2201% | 4,602 |
| Net loans and leases to core deposits | 64.5171% | 5,057 |
| Total domestic deposits to total assets | 79.4221% | 5,993 |
| Equity capital to assets | 14.9864% | 751 |
| Core capital (leverage) ratio | 14.5110% | 687 |
| Tier 1 risk-based capital ratio | 25.8104% | 820 |
| Total risk-based capital ratio | 27.0644% | 802 |
| Memoranda: | ||
| Average total assets | $69,671,000 | 5,786 |
| Average earning assets | $62,376,500 | 5,802 |
| Average equity | $10,275,000 | 4,980 |
| Average total loans | $36,491,000 | 5,799 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 3,222 |
| Cost of funding earning assets | 0.6840% | 5,636 |
| Net interest margin | 4.2424% | 1,916 |
| Noninterest income to average assets | 0.5543% | 3,479 |
| Noninterest expense to average assets | 3.3441% | 2,376 |
| Loan and lease loss provision to assets | 0.1418% | 4,842 |
| Net operating income to assets | 1.1100% | 1,796 |
| Return on assets (ROA) | 1.2191% | 1,569 |
| Pretax return on assets | 0.9583% | 3,398 |
| Return on Equity (ROE) | 8.7760% | 2,553 |
| Retained earnings to average equity (ytd only) | 7.7556% | 1,169 |
| Net charge-offs to loans | 0.4962% | 3,010 |
| Credit loss provision to net charge-offs | 50.2513% | 5,417 |
| Earnings coverage of net charge-offs (x) | 3.5126% | 3,487 |
| Efficiency ratio | 77.1419% | 2,722 |
| Assets per employee ($millions) | 3.0623% | 5,971 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 3,502 |
| Loan loss allowance to noncurrent loans | 189.3417% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 3,162 |
| Noncurrent loans to loans | 0.8571% | 4,975 |
| Net loans and leases to total assets | 51.9870% | 5,313 |
| Net loans and leases to deposits | 67.2631% | 4,545 |
| Net loans and leases to core deposits | 67.5771% | 5,082 |
| Total domestic deposits to total assets | 77.2891% | 6,302 |
| Equity capital to assets | 14.5145% | 895 |
| Core capital (leverage) ratio | 13.8501% | 859 |
| Tier 1 risk-based capital ratio | 24.7391% | 894 |
| Total risk-based capital ratio | 25.9926% | 887 |
| Memoranda: | ||
| Average total assets | $70,541,200 | 5,725 |
| Average earning assets | $62,864,800 | 5,775 |
| Average equity | $9,799,400 | 5,074 |
| Average total loans | $40,107,600 | 5,690 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 3,096 |
| Cost of funding earning assets | 0.7230% | 5,638 |
| Net interest margin | 4.2743% | 1,811 |
| Noninterest income to average assets | 0.5744% | 3,339 |
| Noninterest expense to average assets | 3.2252% | 2,746 |
| Loan and lease loss provision to assets | 0.1889% | 4,140 |
| Net operating income to assets | 1.3849% | 1,190 |
| Return on assets (ROA) | 1.5304% | 954 |
| Pretax return on assets | 1.1147% | 2,948 |
| Return on Equity (ROE) | 11.1412% | 1,817 |
| Retained earnings to average equity (ytd only) | 11.1412% | 607 |
| Net charge-offs to loans | 0.4670% | 2,868 |
| Credit loss provision to net charge-offs | 69.9301% | 4,488 |
| Earnings coverage of net charge-offs (x) | 4.2867% | 3,121 |
| Efficiency ratio | 73.5776% | 3,261 |
| Assets per employee ($millions) | 3.5392% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 3,280 |
| Loan loss allowance to noncurrent loans | 174.1425% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 2.1050% | 3,026 |
| Noncurrent loans to loans | 0.9748% | 4,941 |
| Net loans and leases to total assets | 53.9932% | 5,161 |
| Net loans and leases to deposits | 69.9080% | 4,317 |
| Net loans and leases to core deposits | 71.2783% | 4,810 |
| Total domestic deposits to total assets | 77.2346% | 6,340 |
| Equity capital to assets | 14.5035% | 989 |
| Core capital (leverage) ratio | 13.8428% | 943 |
| Tier 1 risk-based capital ratio | 23.8453% | 1,028 |
| Total risk-based capital ratio | 25.1054% | 1,012 |
| Memoranda: | ||
| Average total assets | $70,568,250 | 5,767 |
| Average earning assets | $62,886,250 | 5,812 |
| Average equity | $9,693,500 | 5,128 |
| Average total loans | $40,829,500 | 5,704 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 3,039 |
| Cost of funding earning assets | 0.7653% | 5,591 |
| Net interest margin | 4.2600% | 1,800 |
| Noninterest income to average assets | 0.5873% | 3,210 |
| Noninterest expense to average assets | 3.2058% | 2,876 |
| Loan and lease loss provision to assets | 0.2837% | 3,110 |
| Net operating income to assets | 1.6086% | 721 |
| Return on assets (ROA) | 1.8270% | 505 |
| Pretax return on assets | 1.1064% | 2,826 |
| Return on Equity (ROE) | 13.5541% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.5541% | 350 |
| Net charge-offs to loans | 0.4002% | 2,959 |
| Credit loss provision to net charge-offs | 120.4819% | 2,534 |
| Earnings coverage of net charge-offs (x) | 4.9759% | 2,722 |
| Efficiency ratio | 73.2340% | 3,508 |
| Assets per employee ($millions) | 3.2012% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 3,015 |
| Loan loss allowance to noncurrent loans | 149.6881% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 2.2719% | 2,892 |
| Noncurrent loans to loans | 1.1987% | 4,652 |
| Net loans and leases to total assets | 55.9558% | 5,006 |
| Net loans and leases to deposits | 71.9597% | 4,120 |
| Net loans and leases to core deposits | 73.3623% | 4,655 |
| Total domestic deposits to total assets | 77.7600% | 6,335 |
| Equity capital to assets | 14.0131% | 1,089 |
| Core capital (leverage) ratio | 13.5748% | 973 |
| Tier 1 risk-based capital ratio | 23.0766% | 1,106 |
| Total risk-based capital ratio | 24.3362% | 1,089 |
| Memoranda: | ||
| Average total assets | $70,496,670 | 5,813 |
| Average earning assets | $62,723,670 | 5,866 |
| Average equity | $9,502,670 | 5,182 |
| Average total loans | $41,480,000 | 5,732 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 2,789 |
| Cost of funding earning assets | 0.7884% | 5,622 |
| Net interest margin | 4.2789% | 1,628 |
| Noninterest income to average assets | 0.5955% | 3,202 |
| Noninterest expense to average assets | 2.9604% | 3,815 |
| Loan and lease loss provision to assets | 0.2836% | 2,878 |
| Net operating income to assets | 2.8129% | 128 |
| Return on assets (ROA) | 2.8413% | 127 |
| Pretax return on assets | 1.1966% | 2,384 |
| Return on Equity (ROE) | 21.5033% | 267 |
| Retained earnings to average equity (ytd only) | 21.5033% | 143 |
| Net charge-offs to loans | 0.5408% | 2,141 |
| Credit loss provision to net charge-offs | 87.7193% | 2,977 |
| Earnings coverage of net charge-offs (x) | 4.4912% | 2,468 |
| Efficiency ratio | 67.0951% | 4,830 |
| Assets per employee ($millions) | 3.3846% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 3,401 |
| Loan loss allowance to noncurrent loans | 160.3687% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 2.3524% | 2,894 |
| Noncurrent loans to loans | 1.0496% | 4,956 |
| Net loans and leases to total assets | 57.1951% | 4,764 |
| Net loans and leases to deposits | 73.7144% | 3,804 |
| Net loans and leases to core deposits | 74.7939% | 4,448 |
| Total domestic deposits to total assets | 77.5902% | 6,432 |
| Equity capital to assets | 13.5883% | 1,153 |
| Core capital (leverage) ratio | 13.5656% | 946 |
| Tier 1 risk-based capital ratio | 21.7890% | 1,262 |
| Total risk-based capital ratio | 23.0421% | 1,232 |
| Memoranda: | ||
| Average total assets | $70,531,500 | 5,859 |
| Average earning assets | $62,913,500 | 5,897 |
| Average equity | $9,319,500 | 5,225 |
| Average total loans | $42,156,000 | 5,747 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2551% | 3,336 |
| Cost of funding earning assets | 1.1108% | 5,080 |
| Net interest margin | 4.1443% | 2,393 |
| Noninterest income to average assets | 0.7834% | 2,360 |
| Noninterest expense to average assets | 3.2174% | 3,024 |
| Loan and lease loss provision to assets | 0.7551% | 2,173 |
| Net operating income to assets | 0.5138% | 4,031 |
| Return on assets (ROA) | 0.8576% | 2,697 |
| Pretax return on assets | 0.8576% | 3,449 |
| Return on Equity (ROE) | 7.0444% | 3,095 |
| Retained earnings to average equity (ytd only) | 6.2137% | 1,708 |
| Net charge-offs to loans | 1.2739% | 1,765 |
| Credit loss provision to net charge-offs | 96.7185% | 4,803 |
| Earnings coverage of net charge-offs (x) | 1.6252% | 4,520 |
| Efficiency ratio | 71.7163% | 3,851 |
| Assets per employee ($millions) | 3.3327% | 5,354 |
| Cash dividends to net income (ytd only)* | 11.7925% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 3,446 |
| Loan loss allowance to noncurrent loans | 115.4351% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 2.4747% | 2,794 |
| Noncurrent loans to loans | 1.4175% | 4,358 |
| Net loans and leases to total assets | 60.3841% | 4,615 |
| Net loans and leases to deposits | 77.1482% | 3,648 |
| Net loans and leases to core deposits | 78.2858% | 4,425 |
| Total domestic deposits to total assets | 78.2703% | 6,261 |
| Equity capital to assets | 12.8324% | 1,472 |
| Core capital (leverage) ratio | 12.5354% | 1,301 |
| Tier 1 risk-based capital ratio | 19.9814% | 1,490 |
| Total risk-based capital ratio | 21.2319% | 1,461 |
| Memoranda: | ||
| Average total assets | $74,160,200 | 5,758 |
| Average earning assets | $66,259,600 | 5,790 |
| Average equity | $9,028,400 | 5,416 |
| Average total loans | $45,452,400 | 5,687 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 3,631 |
| Cost of funding earning assets | 1.1605% | 5,084 |
| Net interest margin | 4.0796% | 2,712 |
| Noninterest income to average assets | 0.5762% | 3,606 |
| Noninterest expense to average assets | 3.0033% | 3,730 |
| Loan and lease loss provision to assets | 0.4220% | 3,376 |
| Net operating income to assets | 0.7907% | 3,040 |
| Return on assets (ROA) | 1.1825% | 1,732 |
| Pretax return on assets | 1.1825% | 2,554 |
| Return on Equity (ROE) | 9.8372% | 2,191 |
| Retained earnings to average equity (ytd only) | 8.7311% | 1,147 |
| Net charge-offs to loans | 0.3386% | 3,951 |
| Credit loss provision to net charge-offs | 203.4188% | 1,748 |
| Earnings coverage of net charge-offs (x) | 5.8460% | 2,664 |
| Efficiency ratio | 71.2363% | 3,844 |
| Assets per employee ($millions) | 3.1279% | 5,861 |
| Cash dividends to net income (ytd only)* | 11.2447% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 2,487 |
| Loan loss allowance to noncurrent loans | 95.0395% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 3.1108% | 2,323 |
| Noncurrent loans to loans | 1.9985% | 3,681 |
| Net loans and leases to total assets | 60.5210% | 4,813 |
| Net loans and leases to deposits | 79.0085% | 3,632 |
| Net loans and leases to core deposits | 80.1664% | 4,494 |
| Total domestic deposits to total assets | 76.6006% | 6,552 |
| Equity capital to assets | 13.2162% | 1,490 |
| Core capital (leverage) ratio | 12.5128% | 1,401 |
| Tier 1 risk-based capital ratio | 19.9912% | 1,555 |
| Total risk-based capital ratio | 21.2490% | 1,518 |
| Memoranda: | ||
| Average total assets | $75,203,500 | 5,799 |
| Average earning assets | $67,096,500 | 5,825 |
| Average equity | $9,040,250 | 5,484 |
| Average total loans | $46,074,500 | 5,729 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 3,817 |
| Cost of funding earning assets | 1.2222% | 5,003 |
| Net interest margin | 4.0044% | 2,995 |
| Noninterest income to average assets | 0.6528% | 2,997 |
| Noninterest expense to average assets | 2.9807% | 3,777 |
| Loan and lease loss provision to assets | 0.4273% | 3,189 |
| Net operating income to assets | 0.8179% | 2,888 |
| Return on assets (ROA) | 1.1954% | 1,642 |
| Pretax return on assets | 1.1954% | 2,432 |
| Return on Equity (ROE) | 10.2653% | 2,003 |
| Retained earnings to average equity (ytd only) | 8.5769% | 1,240 |
| Net charge-offs to loans | 0.5017% | 3,031 |
| Credit loss provision to net charge-offs | 139.3162% | 2,878 |
| Earnings coverage of net charge-offs (x) | 4.0598% | 3,077 |
| Efficiency ratio | 70.5335% | 4,077 |
| Assets per employee ($millions) | 3.1167% | 5,875 |
| Cash dividends to net income (ytd only)* | 16.4474% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 3,026 |
| Loan loss allowance to noncurrent loans | 86.3892% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 3.1248% | 2,265 |
| Noncurrent loans to loans | 1.9819% | 3,746 |
| Net loans and leases to total assets | 61.5024% | 4,780 |
| Net loans and leases to deposits | 79.6848% | 3,657 |
| Net loans and leases to core deposits | 80.3382% | 4,650 |
| Total domestic deposits to total assets | 77.1821% | 6,454 |
| Equity capital to assets | 12.6456% | 1,717 |
| Core capital (leverage) ratio | 12.1255% | 1,579 |
| Tier 1 risk-based capital ratio | 18.8616% | 1,751 |
| Total risk-based capital ratio | 20.1172% | 1,723 |
| Memoranda: | ||
| Average total assets | $76,290,670 | 5,797 |
| Average earning assets | $68,074,670 | 5,827 |
| Average equity | $8,884,330 | 5,537 |
| Average total loans | $46,638,330 | 5,735 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 4,113 |
| Cost of funding earning assets | 1.2788% | 4,936 |
| Net interest margin | 3.9050% | 3,305 |
| Noninterest income to average assets | 0.7074% | 2,548 |
| Noninterest expense to average assets | 3.4405% | 2,127 |
| Loan and lease loss provision to assets | 0.5089% | 2,459 |
| Net operating income to assets | 0.2392% | 5,551 |
| Return on assets (ROA) | 0.7380% | 3,373 |
| Pretax return on assets | 0.7380% | 4,098 |
| Return on Equity (ROE) | 6.5954% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.5954% | 2,321 |
| Net charge-offs to loans | 1.0267% | 1,605 |
| Credit loss provision to net charge-offs | 81.9672% | 3,827 |
| Earnings coverage of net charge-offs (x) | 1.2049% | 4,043 |
| Efficiency ratio | 82.1385% | 2,257 |
| Assets per employee ($millions) | 3.3660% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,938 |
| Loan loss allowance to noncurrent loans | 64.7549% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 3.3815% | 2,097 |
| Noncurrent loans to loans | 2.3070% | 3,379 |
| Net loans and leases to total assets | 62.3314% | 4,691 |
| Net loans and leases to deposits | 80.4213% | 3,566 |
| Net loans and leases to core deposits | 81.0639% | 4,613 |
| Total domestic deposits to total assets | 77.5060% | 6,450 |
| Equity capital to assets | 12.0120% | 2,036 |
| Core capital (leverage) ratio | 11.0467% | 2,202 |
| Tier 1 risk-based capital ratio | 17.1008% | 2,235 |
| Total risk-based capital ratio | 18.3497% | 2,187 |
| Memoranda: | ||
| Average total assets | $78,593,500 | 5,809 |
| Average earning assets | $70,064,500 | 5,846 |
| Average equity | $8,794,000 | 5,592 |
| Average total loans | $47,529,500 | 5,781 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7024% | 3,099 |
| Cost of funding earning assets | 1.6795% | 4,616 |
| Net interest margin | 4.0229% | 2,772 |
| Noninterest income to average assets | 0.6806% | 3,085 |
| Noninterest expense to average assets | 3.1184% | 3,659 |
| Loan and lease loss provision to assets | 0.3723% | 4,547 |
| Net operating income to assets | 0.7760% | 2,619 |
| Return on assets (ROA) | 1.1418% | 1,431 |
| Pretax return on assets | 1.1418% | 2,120 |
| Return on Equity (ROE) | 10.4799% | 1,557 |
| Retained earnings to average equity (ytd only) | 7.4822% | 826 |
| Net charge-offs to loans | 0.4932% | 3,797 |
| Credit loss provision to net charge-offs | 117.7686% | 4,599 |
| Earnings coverage of net charge-offs (x) | 3.6322% | 3,267 |
| Efficiency ratio | 73.0863% | 4,078 |
| Assets per employee ($millions) | 3.7789% | 4,323 |
| Cash dividends to net income (ytd only)* | 28.6041% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 3,743 |
| Loan loss allowance to noncurrent loans | 59.1803% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.0721% | 2,263 |
| Noncurrent loans to loans | 2.5310% | 3,022 |
| Net loans and leases to total assets | 57.1112% | 5,800 |
| Net loans and leases to deposits | 71.2282% | 5,438 |
| Net loans and leases to core deposits | 81.3181% | 5,975 |
| Total domestic deposits to total assets | 80.1807% | 5,620 |
| Equity capital to assets | 10.4564% | 3,232 |
| Core capital (leverage) ratio | 10.7625% | 2,377 |
| Tier 1 risk-based capital ratio | 14.4686% | 3,229 |
| Total risk-based capital ratio | 15.7023% | 3,187 |
| Memoranda: | ||
| Average total assets | $76,545,600 | 5,823 |
| Average earning assets | $68,234,400 | 5,861 |
| Average equity | $8,339,800 | 5,823 |
| Average total loans | $49,064,400 | 5,716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 2,737 |
| Cost of funding earning assets | 1.7665% | 4,545 |
| Net interest margin | 4.0662% | 2,523 |
| Noninterest income to average assets | 0.6943% | 3,052 |
| Noninterest expense to average assets | 3.3129% | 2,860 |
| Loan and lease loss provision to assets | 0.4183% | 3,814 |
| Net operating income to assets | 0.6017% | 3,596 |
| Return on assets (ROA) | 1.1001% | 1,789 |
| Pretax return on assets | 1.1001% | 2,568 |
| Return on Equity (ROE) | 9.9858% | 1,918 |
| Retained earnings to average equity (ytd only) | 5.9462% | 1,978 |
| Net charge-offs to loans | 0.0595% | 6,111 |
| Credit loss provision to net charge-offs | 1,068.1818% | 358 |
| Earnings coverage of net charge-offs (x) | 26.0477% | 1,032 |
| Efficiency ratio | 76.4585% | 3,426 |
| Assets per employee ($millions) | 3.4810% | 4,975 |
| Cash dividends to net income (ytd only)* | 40.4537% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 2,317 |
| Loan loss allowance to noncurrent loans | 56.5272% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 3.8574% | 1,670 |
| Noncurrent loans to loans | 3.1626% | 2,389 |
| Net loans and leases to total assets | 63.9885% | 4,874 |
| Net loans and leases to deposits | 82.7348% | 3,883 |
| Net loans and leases to core deposits | 98.5916% | 4,541 |
| Total domestic deposits to total assets | 77.3416% | 6,253 |
| Equity capital to assets | 11.0458% | 2,974 |
| Core capital (leverage) ratio | 10.7849% | 2,569 |
| Tier 1 risk-based capital ratio | 14.7726% | 3,149 |
| Total risk-based capital ratio | 16.0267% | 3,097 |
| Memoranda: | ||
| Average total assets | $74,898,000 | 5,912 |
| Average earning assets | $67,022,500 | 5,934 |
| Average equity | $8,251,500 | 5,902 |
| Average total loans | $49,280,000 | 5,751 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 2,717 |
| Cost of funding earning assets | 1.8190% | 4,668 |
| Net interest margin | 4.0507% | 2,500 |
| Noninterest income to average assets | 0.7453% | 2,728 |
| Noninterest expense to average assets | 3.3765% | 2,699 |
| Loan and lease loss provision to assets | 0.2421% | 4,645 |
| Net operating income to assets | 0.7453% | 3,067 |
| Return on assets (ROA) | 1.0600% | 1,990 |
| Pretax return on assets | 1.0600% | 2,772 |
| Return on Equity (ROE) | 9.6305% | 2,156 |
| Retained earnings to average equity (ytd only) | 6.5751% | 1,756 |
| Net charge-offs to loans | 0.0611% | 5,644 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 24.4667% | 1,154 |
| Efficiency ratio | 77.3736% | 3,444 |
| Assets per employee ($millions) | 3.0957% | 5,881 |
| Cash dividends to net income (ytd only)* | 31.7259% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 3,041 |
| Loan loss allowance to noncurrent loans | 52.4704% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 3.9437% | 1,518 |
| Noncurrent loans to loans | 2.9136% | 2,468 |
| Net loans and leases to total assets | 65.3683% | 4,687 |
| Net loans and leases to deposits | 85.0945% | 3,713 |
| Net loans and leases to core deposits | 98.5811% | 4,641 |
| Total domestic deposits to total assets | 76.8184% | 6,369 |
| Equity capital to assets | 11.1971% | 2,757 |
| Core capital (leverage) ratio | 11.0847% | 2,342 |
| Tier 1 risk-based capital ratio | 13.9381% | 3,555 |
| Total risk-based capital ratio | 15.1857% | 3,495 |
| Memoranda: | ||
| Average total assets | $74,337,000 | 5,971 |
| Average earning assets | $66,408,330 | 5,994 |
| Average equity | $8,182,330 | 5,959 |
| Average total loans | $49,075,000 | 5,805 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9660% | 2,500 |
| Cost of funding earning assets | 1.8911% | 4,676 |
| Net interest margin | 4.0749% | 2,383 |
| Noninterest income to average assets | 0.6670% | 3,096 |
| Noninterest expense to average assets | 3.5558% | 1,960 |
| Loan and lease loss provision to assets | 0.2421% | 4,043 |
| Net operating income to assets | 0.4626% | 4,603 |
| Return on assets (ROA) | 0.9306% | 2,712 |
| Pretax return on assets | 0.9306% | 3,601 |
| Return on Equity (ROE) | 8.5285% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.5706% | 2,835 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4596% | 2,362 |
| Assets per employee ($millions) | 2.8360% | 6,562 |
| Cash dividends to net income (ytd only)* | 34.6821% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 3,076 |
| Loan loss allowance to noncurrent loans | 59.1987% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 3.7362% | 1,418 |
| Noncurrent loans to loans | 2.5033% | 2,631 |
| Net loans and leases to total assets | 67.8872% | 4,166 |
| Net loans and leases to deposits | 88.7177% | 3,152 |
| Net loans and leases to core deposits | 101.6451% | 4,384 |
| Total domestic deposits to total assets | 76.5205% | 6,397 |
| Equity capital to assets | 11.6150% | 2,510 |
| Core capital (leverage) ratio | 10.6561% | 2,780 |
| Tier 1 risk-based capital ratio | 14.9533% | 3,090 |
| Total risk-based capital ratio | 16.2052% | 3,019 |
| Memoranda: | ||
| Average total assets | $74,357,500 | 5,990 |
| Average earning assets | $65,572,000 | 6,053 |
| Average equity | $8,114,000 | 6,014 |
| Average total loans | $48,952,500 | 5,845 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7203% | 1,957 |
| Cost of funding earning assets | 2.3412% | 4,964 |
| Net interest margin | 4.3791% | 1,753 |
| Noninterest income to average assets | 0.7642% | 2,698 |
| Noninterest expense to average assets | 3.1756% | 3,424 |
| Loan and lease loss provision to assets | 0.1704% | 5,201 |
| Net operating income to assets | 1.3619% | 1,316 |
| Return on assets (ROA) | 1.3633% | 1,270 |
| Pretax return on assets | 1.3633% | 2,077 |
| Return on Equity (ROE) | 13.4972% | 1,216 |
| Retained earnings to average equity (ytd only) | 8.1412% | 801 |
| Net charge-offs to loans | 0.2200% | 4,023 |
| Credit loss provision to net charge-offs | 105.8824% | 5,055 |
| Earnings coverage of net charge-offs (x) | 9.5210% | 2,671 |
| Efficiency ratio | 67.4519% | 4,828 |
| Assets per employee ($millions) | 2.9929% | 6,066 |
| Cash dividends to net income (ytd only)* | 39.6825% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 3,295 |
| Loan loss allowance to noncurrent loans | 70.8768% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 3.2410% | 1,405 |
| Noncurrent loans to loans | 1.9531% | 2,824 |
| Net loans and leases to total assets | 62.1603% | 5,601 |
| Net loans and leases to deposits | 78.6530% | 5,251 |
| Net loans and leases to core deposits | 88.6011% | 5,924 |
| Total domestic deposits to total assets | 79.0310% | 5,367 |
| Equity capital to assets | 10.2718% | 3,738 |
| Core capital (leverage) ratio | 10.8856% | 2,683 |
| Tier 1 risk-based capital ratio | 12.8148% | 4,209 |
| Total risk-based capital ratio | 13.9243% | 4,223 |
| Memoranda: | ||
| Average total assets | $73,938,200 | 5,915 |
| Average earning assets | $66,589,400 | 5,950 |
| Average equity | $7,468,200 | 6,288 |
| Average total loans | $54,084,000 | 5,520 |