Home > First State Bank of Clearbrook > Performance and Condition Ratios
First State Bank of Clearbrook, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,016 |
| Cost of funding earning assets | 0.2503% | 4,782 |
| Net interest margin | 3.7211% | 2,939 |
| Noninterest income to average assets | 0.3664% | 3,672 |
| Noninterest expense to average assets | 2.4175% | 3,816 |
| Loan and lease loss provision to assets | 0.2380% | 676 |
| Net operating income to assets | 1.0109% | 3,039 |
| Return on assets (ROA) | 1.0109% | 3,049 |
| Pretax return on assets | 1.0109% | 3,688 |
| Return on Equity (ROE) | 8.7030% | 3,238 |
| Retained earnings to average equity (ytd only) | 8.7030% | 1,342 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4362% | 3,439 |
| Assets per employee ($millions) | 6.8289% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3695% | 5,315 |
| Loan loss allowance to noncurrent loans | 171.1538% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,428 |
| Noncurrent loans to loans | 0.2159% | 3,934 |
| Net loans and leases to total assets | 50.1966% | 4,579 |
| Net loans and leases to deposits | 59.0690% | 4,596 |
| Net loans and leases to core deposits | 59.8304% | 4,713 |
| Total domestic deposits to total assets | 84.9797% | 2,614 |
| Equity capital to assets | 12.2840% | 1,711 |
| Core capital (leverage) ratio | 10.1095% | 3,510 |
| Tier 1 risk-based capital ratio | 15.8043% | 2,527 |
| Total risk-based capital ratio | 16.1020% | 2,867 |
| Memoranda: | ||
| Average total assets | $49,857,250 | 4,988 |
| Average earning assets | $44,215,000 | 5,025 |
| Average equity | $5,791,000 | 4,980 |
| Average total loans | $23,569,250 | 5,044 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 4,040 |
| Cost of funding earning assets | 0.1709% | 5,149 |
| Net interest margin | 3.7415% | 2,782 |
| Noninterest income to average assets | 0.3482% | 3,840 |
| Noninterest expense to average assets | 2.5286% | 3,553 |
| Loan and lease loss provision to assets | 0.2849% | 496 |
| Net operating income to assets | 0.8270% | 3,766 |
| Return on assets (ROA) | 0.8270% | 3,770 |
| Pretax return on assets | 0.8270% | 4,168 |
| Return on Equity (ROE) | 7.2519% | 3,814 |
| Retained earnings to average equity (ytd only) | 7.2519% | 1,951 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9783% | 2,986 |
| Assets per employee ($millions) | 6.1733% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3011% | 5,416 |
| Loan loss allowance to noncurrent loans | 288.0000% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 4,776 |
| Noncurrent loans to loans | 0.1045% | 4,446 |
| Net loans and leases to total assets | 48.2809% | 4,705 |
| Net loans and leases to deposits | 56.1855% | 4,744 |
| Net loans and leases to core deposits | 56.8771% | 4,836 |
| Total domestic deposits to total assets | 85.9312% | 2,315 |
| Equity capital to assets | 11.6997% | 2,063 |
| Core capital (leverage) ratio | 9.5286% | 4,086 |
| Tier 1 risk-based capital ratio | 15.1569% | 2,798 |
| Total risk-based capital ratio | 15.3964% | 3,204 |
| Memoranda: | ||
| Average total assets | $50,542,330 | 5,038 |
| Average earning assets | $44,473,670 | 5,081 |
| Average equity | $5,764,000 | 5,037 |
| Average total loans | $23,397,670 | 5,106 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 4,251 |
| Cost of funding earning assets | 0.1519% | 5,257 |
| Net interest margin | 3.6360% | 3,046 |
| Noninterest income to average assets | 0.3208% | 4,009 |
| Noninterest expense to average assets | 2.5195% | 3,584 |
| Loan and lease loss provision to assets | 0.2660% | 525 |
| Net operating income to assets | 0.7199% | 4,029 |
| Return on assets (ROA) | 0.7199% | 4,038 |
| Pretax return on assets | 0.7199% | 4,383 |
| Return on Equity (ROE) | 6.3922% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.3922% | 2,552 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3036% | 2,784 |
| Assets per employee ($millions) | 5.6164% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1488% | 5,531 |
| Loan loss allowance to noncurrent loans | 340.0000% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 5,014 |
| Noncurrent loans to loans | 0.0438% | 4,777 |
| Net loans and leases to total assets | 45.1373% | 4,840 |
| Net loans and leases to deposits | 51.2708% | 4,912 |
| Net loans and leases to core deposits | 51.8710% | 4,984 |
| Total domestic deposits to total assets | 88.0371% | 1,596 |
| Equity capital to assets | 11.2725% | 2,327 |
| Core capital (leverage) ratio | 9.1189% | 4,545 |
| Tier 1 risk-based capital ratio | 15.0838% | 2,832 |
| Total risk-based capital ratio | 15.1993% | 3,321 |
| Memoranda: | ||
| Average total assets | $51,120,500 | 5,089 |
| Average earning assets | $44,774,000 | 5,135 |
| Average equity | $5,757,000 | 5,095 |
| Average total loans | $23,138,500 | 5,169 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2080% | 5,665 |
| Cost of funding earning assets | 0.0112% | 5,648 |
| Net interest margin | 0.1968% | 5,664 |
| Noninterest income to average assets | 0.0141% | 5,592 |
| Noninterest expense to average assets | 0.1612% | 5,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0302% | 5,330 |
| Return on assets (ROA) | 0.0302% | 5,332 |
| Pretax return on assets | 0.0302% | 5,421 |
| Return on Equity (ROE) | 0.3278% | 5,330 |
| Retained earnings to average equity (ytd only) | -15.2515% | 5,593 |
| Net charge-offs to loans | 0.0304% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 3,797 |
| Efficiency ratio | 84.2105% | 752 |
| Assets per employee ($millions) | 5.7437% | 1,721 |
| Cash dividends to net income (ytd only)* | 4,753.3333% | 3 |
| 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 | 0.1161% | 4,552 |
| Noncurrent loans to loans | 0.2561% | 3,869 |
| Net loans and leases to total assets | 45.3195% | 4,924 |
| Net loans and leases to deposits | 51.4574% | 5,011 |
| Net loans and leases to core deposits | 52.0438% | 5,066 |
| Total domestic deposits to total assets | 88.0719% | 1,463 |
| Equity capital to assets | 11.2510% | 2,398 |
| Core capital (leverage) ratio | 9.4285% | 4,124 |
| Tier 1 risk-based capital ratio | 15.4463% | 2,644 |
| Total risk-based capital ratio | 15.4463% | 3,159 |
| Memoranda: | ||
| Average total assets | $49,631,200 | 5,166 |
| Average earning assets | $44,720,000 | 5,178 |
| Average equity | $4,576,600 | 5,338 |
| Average total loans | $22,988,600 | 5,225 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 4,511 |
| Cost of funding earning assets | 0.2444% | 4,617 |
| Net interest margin | 3.3768% | 3,927 |
| Noninterest income to average assets | 0.4099% | 3,621 |
| Noninterest expense to average assets | 2.5735% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9121% | 2,963 |
| Return on assets (ROA) | 0.9121% | 3,022 |
| Pretax return on assets | 0.9121% | 3,997 |
| Return on Equity (ROE) | 10.4996% | 1,903 |
| Retained earnings to average equity (ytd only) | 2.7187% | 4,273 |
| Net charge-offs to loans | 0.0408% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 48.0161% | 1,145 |
| Efficiency ratio | 73.8318% | 1,922 |
| Assets per employee ($millions) | 5.5092% | 1,915 |
| Cash dividends to net income (ytd only)* | 74.1066% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,924 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 5,164 |
| Noncurrent loans to loans | 0.0380% | 4,950 |
| Net loans and leases to total assets | 47.2561% | 4,870 |
| Net loans and leases to deposits | 52.4090% | 5,036 |
| Net loans and leases to core deposits | 53.5223% | 5,085 |
| Total domestic deposits to total assets | 90.1680% | 416 |
| Equity capital to assets | 8.9809% | 4,931 |
| Core capital (leverage) ratio | 8.9892% | 4,754 |
| Tier 1 risk-based capital ratio | 15.3819% | 2,757 |
| Total risk-based capital ratio | 16.2372% | 2,852 |
| Memoranda: | ||
| Average total assets | $49,115,750 | 5,235 |
| Average earning assets | $44,735,500 | 5,233 |
| Average equity | $4,266,750 | 5,443 |
| Average total loans | $22,879,000 | 5,284 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 4,521 |
| Cost of funding earning assets | 0.2380% | 4,654 |
| Net interest margin | 3.3585% | 3,915 |
| Noninterest income to average assets | 0.4085% | 3,639 |
| Noninterest expense to average assets | 2.7165% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7475% | 3,645 |
| Return on assets (ROA) | 0.7475% | 3,704 |
| Pretax return on assets | 0.7475% | 4,441 |
| Return on Equity (ROE) | 8.7046% | 2,663 |
| Retained earnings to average equity (ytd only) | -1.5697% | 5,304 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4198% | 1,406 |
| Assets per employee ($millions) | 5.3687% | 1,996 |
| Cash dividends to net income (ytd only)* | 118.0328% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,584 |
| Loan loss allowance to noncurrent loans | 265.9574% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 4,397 |
| Noncurrent loans to loans | 0.4137% | 3,541 |
| Net loans and leases to total assets | 46.5127% | 4,919 |
| Net loans and leases to deposits | 51.5743% | 5,080 |
| Net loans and leases to core deposits | 52.6965% | 5,124 |
| Total domestic deposits to total assets | 90.1859% | 475 |
| Equity capital to assets | 8.9966% | 4,907 |
| Core capital (leverage) ratio | 8.6844% | 5,056 |
| Tier 1 risk-based capital ratio | 15.5316% | 2,695 |
| Total risk-based capital ratio | 16.4450% | 2,777 |
| Memoranda: | ||
| Average total assets | $48,960,000 | 5,275 |
| Average earning assets | $44,543,670 | 5,277 |
| Average equity | $4,204,670 | 5,492 |
| Average total loans | $22,614,000 | 5,333 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5887% | 4,447 |
| Cost of funding earning assets | 0.2169% | 4,826 |
| Net interest margin | 3.3718% | 3,753 |
| Noninterest income to average assets | 0.4221% | 3,508 |
| Noninterest expense to average assets | 2.4107% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0389% | 2,120 |
| Return on assets (ROA) | 1.0389% | 2,170 |
| Pretax return on assets | 1.0389% | 3,200 |
| Return on Equity (ROE) | 12.3866% | 1,142 |
| Retained earnings to average equity (ytd only) | -5.3224% | 5,403 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8824% | 2,915 |
| Assets per employee ($millions) | 5.5888% | 1,811 |
| Cash dividends to net income (ytd only)* | 142.9688% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.9512% | 5,046 |
| Net loans and leases to deposits | 48.2780% | 5,208 |
| Net loans and leases to core deposits | 49.2745% | 5,254 |
| Total domestic deposits to total assets | 91.0376% | 291 |
| Equity capital to assets | 8.3441% | 5,332 |
| Core capital (leverage) ratio | 8.4262% | 5,277 |
| Tier 1 risk-based capital ratio | 15.4385% | 2,778 |
| Total risk-based capital ratio | 16.3514% | 2,854 |
| Memoranda: | ||
| Average total assets | $49,281,000 | 5,328 |
| Average earning assets | $44,250,000 | 5,339 |
| Average equity | $4,133,500 | 5,558 |
| Average total loans | $22,559,000 | 5,390 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6407% | 4,401 |
| Cost of funding earning assets | 0.2215% | 4,819 |
| Net interest margin | 3.4192% | 3,753 |
| Noninterest income to average assets | 0.4066% | 3,825 |
| Noninterest expense to average assets | 2.4132% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0999% | 1,906 |
| Return on assets (ROA) | 1.0999% | 1,993 |
| Pretax return on assets | 1.0999% | 3,106 |
| Return on Equity (ROE) | 12.6739% | 1,074 |
| Retained earnings to average equity (ytd only) | 4.3105% | 2,831 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6921% | 3,133 |
| Assets per employee ($millions) | 5.3626% | 1,994 |
| Cash dividends to net income (ytd only)* | 65.9889% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,725 |
| Loan loss allowance to noncurrent loans | 1,785.7143% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 5,256 |
| Noncurrent loans to loans | 0.0615% | 4,993 |
| Net loans and leases to total assets | 46.6424% | 4,976 |
| Net loans and leases to deposits | 51.2686% | 5,158 |
| Net loans and leases to core deposits | 52.3706% | 5,212 |
| Total domestic deposits to total assets | 90.9765% | 287 |
| Equity capital to assets | 8.4330% | 5,322 |
| Core capital (leverage) ratio | 8.7125% | 5,062 |
| Tier 1 risk-based capital ratio | 15.8473% | 2,609 |
| Total risk-based capital ratio | 16.7721% | 2,670 |
| Memoranda: | ||
| Average total assets | $49,187,800 | 5,366 |
| Average earning assets | $44,689,200 | 5,361 |
| Average equity | $4,268,600 | 5,597 |
| Average total loans | $22,940,800 | 5,418 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 4,461 |
| Cost of funding earning assets | 0.2248% | 4,839 |
| Net interest margin | 3.4075% | 3,815 |
| Noninterest income to average assets | 0.4155% | 3,814 |
| Noninterest expense to average assets | 2.2906% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2330% | 1,508 |
| Return on assets (ROA) | 1.2330% | 1,613 |
| Pretax return on assets | 1.2330% | 2,692 |
| Return on Equity (ROE) | 14.1103% | 800 |
| Retained earnings to average equity (ytd only) | 4.1065% | 3,386 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0077% | 3,762 |
| Assets per employee ($millions) | 5.4207% | 1,936 |
| Cash dividends to net income (ytd only)* | 70.8971% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 4,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 47.4460% | 4,997 |
| Net loans and leases to deposits | 52.8350% | 5,163 |
| Net loans and leases to core deposits | 53.9708% | 5,227 |
| Total domestic deposits to total assets | 89.8004% | 557 |
| Equity capital to assets | 9.3961% | 4,766 |
| Core capital (leverage) ratio | 8.4036% | 5,427 |
| Tier 1 risk-based capital ratio | 15.4241% | 2,863 |
| Total risk-based capital ratio | 16.3351% | 2,946 |
| Memoranda: | ||
| Average total assets | $49,419,000 | 5,411 |
| Average earning assets | $45,076,250 | 5,414 |
| Average equity | $4,318,250 | 5,648 |
| Average total loans | $22,985,750 | 5,474 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,683 |
| Cost of funding earning assets | 0.2297% | 4,855 |
| Net interest margin | 3.3390% | 4,092 |
| Noninterest income to average assets | 0.4110% | 3,800 |
| Noninterest expense to average assets | 2.3171% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1404% | 1,809 |
| Return on assets (ROA) | 1.1404% | 1,925 |
| Pretax return on assets | 1.1404% | 3,037 |
| Return on Equity (ROE) | 13.3817% | 948 |
| Retained earnings to average equity (ytd only) | -0.3783% | 5,351 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0163% | 3,534 |
| Assets per employee ($millions) | 5.7488% | 1,584 |
| Cash dividends to net income (ytd only)* | 102.8269% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 4,155 |
| Loan loss allowance to noncurrent loans | 2,777.7778% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 5,531 |
| Noncurrent loans to loans | 0.0382% | 5,311 |
| Net loans and leases to total assets | 44.9951% | 5,177 |
| Net loans and leases to deposits | 49.5783% | 5,356 |
| Net loans and leases to core deposits | 52.5722% | 5,343 |
| Total domestic deposits to total assets | 90.7555% | 240 |
| Equity capital to assets | 8.5448% | 5,573 |
| Core capital (leverage) ratio | 8.0526% | 5,698 |
| Tier 1 risk-based capital ratio | 14.5354% | 3,298 |
| Total risk-based capital ratio | 15.4234% | 3,425 |
| Memoranda: | ||
| Average total assets | $49,630,000 | 5,473 |
| Average earning assets | $45,282,670 | 5,473 |
| Average equity | $4,229,670 | 5,726 |
| Average total loans | $22,848,670 | 5,541 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5450% | 4,773 |
| Cost of funding earning assets | 0.2293% | 4,909 |
| Net interest margin | 3.3157% | 4,165 |
| Noninterest income to average assets | 0.4117% | 3,735 |
| Noninterest expense to average assets | 2.3222% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1858% | 1,605 |
| Return on assets (ROA) | 1.1858% | 1,700 |
| Pretax return on assets | 1.1858% | 2,757 |
| Return on Equity (ROE) | 13.9332% | 847 |
| Retained earnings to average equity (ytd only) | -11.0305% | 5,836 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1972% | 3,767 |
| Assets per employee ($millions) | 5.3306% | 2,001 |
| Cash dividends to net income (ytd only)* | 179.1667% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,959 |
| 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 | 46.1595% | 5,103 |
| Net loans and leases to deposits | 50.9303% | 5,288 |
| Net loans and leases to core deposits | 54.2650% | 5,237 |
| Total domestic deposits to total assets | 90.6326% | 386 |
| Equity capital to assets | 8.6754% | 5,442 |
| Core capital (leverage) ratio | 8.2929% | 5,577 |
| Tier 1 risk-based capital ratio | 15.0996% | 3,106 |
| Total risk-based capital ratio | 16.0467% | 3,181 |
| Memoranda: | ||
| Average total assets | $48,575,500 | 5,537 |
| Average earning assets | $45,360,000 | 5,513 |
| Average equity | $4,134,000 | 5,784 |
| Average total loans | $22,508,000 | 5,603 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 4,672 |
| Cost of funding earning assets | 0.2177% | 5,115 |
| Net interest margin | 3.3839% | 3,971 |
| Noninterest income to average assets | 0.4382% | 3,758 |
| Noninterest expense to average assets | 2.3739% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0987% | 1,936 |
| Return on assets (ROA) | 1.1049% | 1,966 |
| Pretax return on assets | 1.1049% | 3,029 |
| Return on Equity (ROE) | 13.3033% | 995 |
| Retained earnings to average equity (ytd only) | 5.3263% | 2,189 |
| Net charge-offs to loans | -0.0047% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3612% | 3,498 |
| Assets per employee ($millions) | 5.4640% | 1,848 |
| Cash dividends to net income (ytd only)* | 59.9624% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 4,045 |
| Loan loss allowance to noncurrent loans | 264.8936% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 4,835 |
| Noncurrent loans to loans | 0.4155% | 3,961 |
| Net loans and leases to total assets | 45.4937% | 5,190 |
| Net loans and leases to deposits | 52.9152% | 5,220 |
| Net loans and leases to core deposits | 54.0922% | 5,312 |
| Total domestic deposits to total assets | 85.9749% | 2,652 |
| Equity capital to assets | 8.3496% | 5,668 |
| Core capital (leverage) ratio | 8.2164% | 5,683 |
| Tier 1 risk-based capital ratio | 15.4356% | 2,963 |
| Total risk-based capital ratio | 16.3730% | 3,052 |
| Memoranda: | ||
| Average total assets | $48,149,000 | 5,582 |
| Average earning assets | $43,175,200 | 5,603 |
| Average equity | $3,999,000 | 5,852 |
| Average total loans | $21,219,600 | 5,675 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 4,707 |
| Cost of funding earning assets | 0.2171% | 5,214 |
| Net interest margin | 3.3919% | 3,995 |
| Noninterest income to average assets | 0.4426% | 3,772 |
| Noninterest expense to average assets | 2.3692% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0746% | 2,115 |
| Return on assets (ROA) | 1.0830% | 2,171 |
| Pretax return on assets | 1.0830% | 3,299 |
| Return on Equity (ROE) | 13.0568% | 1,112 |
| Retained earnings to average equity (ytd only) | 3.4238% | 4,036 |
| Net charge-offs to loans | -0.0064% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7955% | 3,408 |
| Assets per employee ($millions) | 5.3587% | 1,897 |
| Cash dividends to net income (ytd only)* | 73.7800% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 3,991 |
| Loan loss allowance to noncurrent loans | 957.6923% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 5,558 |
| Noncurrent loans to loans | 0.1192% | 5,151 |
| Net loans and leases to total assets | 44.7209% | 5,308 |
| Net loans and leases to deposits | 49.3581% | 5,499 |
| Net loans and leases to core deposits | 50.1208% | 5,574 |
| Total domestic deposits to total assets | 90.6050% | 361 |
| Equity capital to assets | 8.5718% | 5,659 |
| Core capital (leverage) ratio | 8.3991% | 5,629 |
| Tier 1 risk-based capital ratio | 15.4224% | 3,084 |
| Total risk-based capital ratio | 16.3851% | 3,162 |
| Memoranda: | ||
| Average total assets | $47,892,250 | 5,660 |
| Average earning assets | $42,374,250 | 5,697 |
| Average equity | $3,972,250 | 5,935 |
| Average total loans | $20,869,250 | 5,754 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 4,691 |
| Cost of funding earning assets | 0.2141% | 5,317 |
| Net interest margin | 3.3972% | 3,918 |
| Noninterest income to average assets | 0.4228% | 3,904 |
| Noninterest expense to average assets | 2.3734% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0381% | 2,182 |
| Return on assets (ROA) | 1.0381% | 2,304 |
| Pretax return on assets | 1.0381% | 3,425 |
| Return on Equity (ROE) | 12.6585% | 1,181 |
| Retained earnings to average equity (ytd only) | -0.3063% | 5,571 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5706% | 3,403 |
| Assets per employee ($millions) | 5.2613% | 1,971 |
| Cash dividends to net income (ytd only)* | 102.4194% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 3,918 |
| Loan loss allowance to noncurrent loans | 3,542.8571% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,837 |
| Noncurrent loans to loans | 0.0333% | 5,618 |
| Net loans and leases to total assets | 43.9327% | 5,382 |
| Net loans and leases to deposits | 48.1986% | 5,585 |
| Net loans and leases to core deposits | 48.9517% | 5,654 |
| Total domestic deposits to total assets | 91.1493% | 267 |
| Equity capital to assets | 8.0905% | 5,938 |
| Core capital (leverage) ratio | 8.2268% | 5,767 |
| Tier 1 risk-based capital ratio | 15.4204% | 3,149 |
| Total risk-based capital ratio | 16.4058% | 3,207 |
| Memoranda: | ||
| Average total assets | $47,780,330 | 5,728 |
| Average earning assets | $42,034,670 | 5,764 |
| Average equity | $3,918,330 | 6,004 |
| Average total loans | $20,553,330 | 5,824 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6097% | 4,661 |
| Cost of funding earning assets | 0.2095% | 5,424 |
| Net interest margin | 3.4001% | 3,840 |
| Noninterest income to average assets | 0.4334% | 3,744 |
| Noninterest expense to average assets | 2.2919% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1168% | 1,806 |
| Return on assets (ROA) | 1.1168% | 1,912 |
| Pretax return on assets | 1.1168% | 3,006 |
| Return on Equity (ROE) | 13.5285% | 972 |
| Retained earnings to average equity (ytd only) | -8.7834% | 6,100 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2372% | 3,948 |
| Assets per employee ($millions) | 5.2271% | 2,079 |
| Cash dividends to net income (ytd only)* | 164.9254% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 3,779 |
| Loan loss allowance to noncurrent loans | 24,800.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,970 |
| Noncurrent loans to loans | 0.0050% | 5,797 |
| Net loans and leases to total assets | 42.2817% | 5,465 |
| Net loans and leases to deposits | 46.5624% | 5,636 |
| Net loans and leases to core deposits | 47.4002% | 5,699 |
| Total domestic deposits to total assets | 90.8065% | 437 |
| Equity capital to assets | 8.4708% | 5,759 |
| Core capital (leverage) ratio | 8.1360% | 5,859 |
| Tier 1 risk-based capital ratio | 16.1620% | 2,839 |
| Total risk-based capital ratio | 17.2167% | 2,872 |
| Memoranda: | ||
| Average total assets | $47,994,500 | 5,772 |
| Average earning assets | $41,998,500 | 5,813 |
| Average equity | $3,962,000 | 6,055 |
| Average total loans | $20,304,500 | 5,883 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 4,438 |
| Cost of funding earning assets | 0.2482% | 5,345 |
| Net interest margin | 3.5688% | 3,524 |
| Noninterest income to average assets | 0.5035% | 3,477 |
| Noninterest expense to average assets | 2.6290% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0844% | 2,040 |
| Return on assets (ROA) | 1.1983% | 1,651 |
| Pretax return on assets | 1.1983% | 2,657 |
| Return on Equity (ROE) | 14.5642% | 842 |
| Retained earnings to average equity (ytd only) | 5.7038% | 2,128 |
| Net charge-offs to loans | 0.0150% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 158.6667% | 343 |
| Efficiency ratio | 70.7975% | 3,416 |
| Assets per employee ($millions) | 4.8945% | 2,466 |
| Cash dividends to net income (ytd only)* | 60.8365% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 3,927 |
| Loan loss allowance to noncurrent loans | 539.1304% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 5,651 |
| Noncurrent loans to loans | 0.2247% | 5,021 |
| Net loans and leases to total assets | 41.3158% | 5,670 |
| Net loans and leases to deposits | 45.2353% | 5,831 |
| Net loans and leases to core deposits | 45.4938% | 5,915 |
| Total domestic deposits to total assets | 91.3352% | 264 |
| Equity capital to assets | 8.0478% | 6,044 |
| Core capital (leverage) ratio | 8.5295% | 5,528 |
| Tier 1 risk-based capital ratio | 15.8537% | 3,030 |
| Total risk-based capital ratio | 16.8652% | 3,108 |
| Memoranda: | ||
| Average total assets | $43,894,800 | 5,931 |
| Average earning assets | $39,481,000 | 5,933 |
| Average equity | $3,611,600 | 6,159 |
| Average total loans | $19,979,800 | 5,961 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 4,430 |
| Cost of funding earning assets | 0.2532% | 5,375 |
| Net interest margin | 3.5794% | 3,509 |
| Noninterest income to average assets | 0.5254% | 3,357 |
| Noninterest expense to average assets | 2.6833% | 3,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1134% | 1,975 |
| Return on assets (ROA) | 1.2697% | 1,521 |
| Pretax return on assets | 1.2697% | 2,494 |
| Return on Equity (ROE) | 15.3359% | 767 |
| Retained earnings to average equity (ytd only) | 4.5329% | 3,420 |
| Net charge-offs to loans | 0.0201% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 118.6625% | 498 |
| Efficiency ratio | 70.6755% | 3,392 |
| Assets per employee ($millions) | 4.2826% | 3,324 |
| Cash dividends to net income (ytd only)* | 70.4426% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 4,052 |
| 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 | 46.3527% | 5,342 |
| Net loans and leases to deposits | 51.3065% | 5,569 |
| Net loans and leases to core deposits | 51.6455% | 5,708 |
| Total domestic deposits to total assets | 90.3447% | 598 |
| Equity capital to assets | 8.7353% | 5,615 |
| Core capital (leverage) ratio | 8.9858% | 5,092 |
| Tier 1 risk-based capital ratio | 15.8452% | 3,132 |
| Total risk-based capital ratio | 16.8793% | 3,185 |
| Memoranda: | ||
| Average total assets | $42,632,250 | 6,033 |
| Average earning assets | $38,963,000 | 6,020 |
| Average equity | $3,529,750 | 6,241 |
| Average total loans | $19,857,250 | 6,033 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 4,494 |
| Cost of funding earning assets | 0.2505% | 5,478 |
| Net interest margin | 3.5588% | 3,536 |
| Noninterest income to average assets | 0.5074% | 3,427 |
| Noninterest expense to average assets | 2.6546% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1229% | 1,847 |
| Return on assets (ROA) | 1.2592% | 1,485 |
| Pretax return on assets | 1.2592% | 2,414 |
| Return on Equity (ROE) | 15.4943% | 712 |
| Retained earnings to average equity (ytd only) | 0.8672% | 5,397 |
| Net charge-offs to loans | 0.0303% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 79.6667% | 665 |
| Efficiency ratio | 70.2736% | 3,611 |
| Assets per employee ($millions) | 4.2522% | 3,365 |
| Cash dividends to net income (ytd only)* | 94.4030% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,165 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 5,361 |
| Noncurrent loans to loans | 0.5238% | 4,438 |
| Net loans and leases to total assets | 46.1079% | 5,351 |
| Net loans and leases to deposits | 50.9273% | 5,566 |
| Net loans and leases to core deposits | 51.2656% | 5,719 |
| Total domestic deposits to total assets | 90.5367% | 574 |
| Equity capital to assets | 8.6167% | 5,699 |
| Core capital (leverage) ratio | 8.6439% | 5,475 |
| Tier 1 risk-based capital ratio | 15.9687% | 3,106 |
| Total risk-based capital ratio | 17.0405% | 3,137 |
| Memoranda: | ||
| Average total assets | $42,567,670 | 6,088 |
| Average earning assets | $39,114,000 | 6,073 |
| Average equity | $3,459,330 | 6,300 |
| Average total loans | $19,776,670 | 6,086 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 4,307 |
| Cost of funding earning assets | 0.2564% | 5,526 |
| Net interest margin | 3.5891% | 3,299 |
| Noninterest income to average assets | 0.4790% | 3,572 |
| Noninterest expense to average assets | 2.6391% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1270% | 1,713 |
| Return on assets (ROA) | 1.1270% | 1,777 |
| Pretax return on assets | 1.1270% | 2,781 |
| Return on Equity (ROE) | 14.2985% | 889 |
| Retained earnings to average equity (ytd only) | -8.1025% | 6,290 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0748% | 3,828 |
| Assets per employee ($millions) | 4.2581% | 3,425 |
| Cash dividends to net income (ytd only)* | 156.6667% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 4,118 |
| Loan loss allowance to noncurrent loans | 264.2105% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 5,539 |
| Noncurrent loans to loans | 0.4923% | 4,682 |
| Net loans and leases to total assets | 44.7312% | 5,446 |
| Net loans and leases to deposits | 49.0384% | 5,665 |
| Net loans and leases to core deposits | 49.3612% | 5,801 |
| Total domestic deposits to total assets | 91.2167% | 479 |
| Equity capital to assets | 8.0153% | 6,049 |
| Core capital (leverage) ratio | 8.4868% | 5,662 |
| Tier 1 risk-based capital ratio | 15.8555% | 3,241 |
| Total risk-based capital ratio | 16.9570% | 3,288 |
| Memoranda: | ||
| Average total assets | $42,590,500 | 6,155 |
| Average earning assets | $39,006,500 | 6,132 |
| Average equity | $3,357,000 | 6,374 |
| Average total loans | $19,738,000 | 6,145 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9175% | 4,398 |
| Cost of funding earning assets | 0.3319% | 5,307 |
| Net interest margin | 3.5855% | 3,522 |
| Noninterest income to average assets | 0.5548% | 3,369 |
| Noninterest expense to average assets | 2.6783% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0851% | 1,982 |
| Return on assets (ROA) | 1.1882% | 1,683 |
| Pretax return on assets | 1.1882% | 2,626 |
| Return on Equity (ROE) | 13.9562% | 953 |
| Retained earnings to average equity (ytd only) | 4.7290% | 2,790 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1676% | 3,634 |
| Assets per employee ($millions) | 4.2600% | 3,339 |
| Cash dividends to net income (ytd only)* | 66.1157% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,422 |
| Loan loss allowance to noncurrent loans | 12,550.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,426 |
| Noncurrent loans to loans | 0.0099% | 6,259 |
| Net loans and leases to total assets | 46.7770% | 5,411 |
| Net loans and leases to deposits | 51.0923% | 5,687 |
| Net loans and leases to core deposits | 51.0923% | 5,869 |
| Total domestic deposits to total assets | 91.5540% | 387 |
| Equity capital to assets | 7.7488% | 6,158 |
| Core capital (leverage) ratio | 8.6320% | 5,496 |
| Tier 1 risk-based capital ratio | 15.7299% | 3,234 |
| Total risk-based capital ratio | 16.8027% | 3,294 |
| Memoranda: | ||
| Average total assets | $40,735,200 | 6,268 |
| Average earning assets | $36,452,200 | 6,275 |
| Average equity | $3,468,000 | 6,439 |
| Average total loans | $19,037,000 | 6,252 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 4,368 |
| Cost of funding earning assets | 0.3503% | 5,291 |
| Net interest margin | 3.5847% | 3,516 |
| Noninterest income to average assets | 0.5529% | 3,434 |
| Noninterest expense to average assets | 2.6786% | 4,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0595% | 2,149 |
| Return on assets (ROA) | 1.1986% | 1,713 |
| Pretax return on assets | 1.1986% | 2,699 |
| Return on Equity (ROE) | 13.7517% | 1,055 |
| Retained earnings to average equity (ytd only) | 2.8492% | 4,617 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6563% | 3,470 |
| Assets per employee ($millions) | 4.1573% | 3,509 |
| Cash dividends to net income (ytd only)* | 79.2831% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 4,751 |
| Loan loss allowance to noncurrent loans | 760.6061% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 6,198 |
| Noncurrent loans to loans | 0.1615% | 5,831 |
| Net loans and leases to total assets | 48.5556% | 5,292 |
| Net loans and leases to deposits | 53.3908% | 5,596 |
| Net loans and leases to core deposits | 53.3908% | 5,809 |
| Total domestic deposits to total assets | 90.9436% | 560 |
| Equity capital to assets | 8.1495% | 6,045 |
| Core capital (leverage) ratio | 8.6743% | 5,571 |
| Tier 1 risk-based capital ratio | 15.1105% | 3,677 |
| Total risk-based capital ratio | 16.1666% | 3,757 |
| Memoranda: | ||
| Average total assets | $40,269,000 | 6,352 |
| Average earning assets | $35,780,250 | 6,362 |
| Average equity | $3,509,750 | 6,506 |
| Average total loans | $18,751,750 | 6,329 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 4,538 |
| Cost of funding earning assets | 0.3681% | 5,244 |
| Net interest margin | 3.5169% | 3,712 |
| Noninterest income to average assets | 0.5272% | 3,650 |
| Noninterest expense to average assets | 2.6259% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0192% | 2,248 |
| Return on assets (ROA) | 1.2301% | 1,617 |
| Pretax return on assets | 1.2301% | 2,559 |
| Return on Equity (ROE) | 13.8015% | 1,053 |
| Retained earnings to average equity (ytd only) | -0.5070% | 5,961 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0386% | 3,462 |
| Assets per employee ($millions) | 3.9789% | 3,854 |
| Cash dividends to net income (ytd only)* | 103.6735% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,539 |
| Loan loss allowance to noncurrent loans | 482.6923% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 5,957 |
| Noncurrent loans to loans | 0.2680% | 5,640 |
| Net loans and leases to total assets | 48.1289% | 5,317 |
| Net loans and leases to deposits | 52.7737% | 5,623 |
| Net loans and leases to core deposits | 52.7737% | 5,832 |
| Total domestic deposits to total assets | 91.1986% | 478 |
| Equity capital to assets | 7.9318% | 6,244 |
| Core capital (leverage) ratio | 8.6306% | 5,519 |
| Tier 1 risk-based capital ratio | 14.4779% | 4,115 |
| Total risk-based capital ratio | 15.5138% | 4,199 |
| Memoranda: | ||
| Average total assets | $39,834,330 | 6,407 |
| Average earning assets | $35,315,330 | 6,426 |
| Average equity | $3,550,330 | 6,550 |
| Average total loans | $18,190,000 | 6,390 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 4,797 |
| Cost of funding earning assets | 0.3798% | 5,288 |
| Net interest margin | 3.4295% | 4,011 |
| Noninterest income to average assets | 0.5219% | 3,622 |
| Noninterest expense to average assets | 2.6194% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8932% | 2,686 |
| Return on assets (ROA) | 0.8932% | 2,835 |
| Pretax return on assets | 0.8932% | 3,788 |
| Return on Equity (ROE) | 9.4997% | 2,262 |
| Retained earnings to average equity (ytd only) | -14.0894% | 6,728 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5714% | 3,160 |
| Assets per employee ($millions) | 4.0078% | 3,929 |
| Cash dividends to net income (ytd only)* | 248.3146% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 4,165 |
| Loan loss allowance to noncurrent loans | 411.4754% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 6,118 |
| Noncurrent loans to loans | 0.3438% | 5,542 |
| Net loans and leases to total assets | 43.6474% | 5,699 |
| Net loans and leases to deposits | 48.4463% | 5,893 |
| Net loans and leases to core deposits | 48.4463% | 6,071 |
| Total domestic deposits to total assets | 90.0943% | 987 |
| Equity capital to assets | 9.0923% | 5,377 |
| Core capital (leverage) ratio | 8.7151% | 5,304 |
| Tier 1 risk-based capital ratio | 16.0303% | 3,248 |
| Total risk-based capital ratio | 17.2193% | 3,246 |
| Memoranda: | ||
| Average total assets | $39,857,000 | 6,463 |
| Average earning assets | $34,757,500 | 6,499 |
| Average equity | $3,747,500 | 6,574 |
| Average total loans | $17,584,500 | 6,460 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 4,343 |
| Cost of funding earning assets | 0.5708% | 4,634 |
| Net interest margin | 3.6943% | 3,672 |
| Noninterest income to average assets | 0.6191% | 3,173 |
| Noninterest expense to average assets | 2.9340% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9122% | 2,756 |
| Return on assets (ROA) | 1.1643% | 1,880 |
| Pretax return on assets | 1.1643% | 2,934 |
| Return on Equity (ROE) | 11.1082% | 1,774 |
| Retained earnings to average equity (ytd only) | 0.8364% | 5,449 |
| Net charge-offs to loans | -0.0113% | 6,479 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2821% | 2,698 |
| Assets per employee ($millions) | 3.9636% | 4,023 |
| Cash dividends to net income (ytd only)* | 92.4706% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 3,978 |
| Loan loss allowance to noncurrent loans | 313.7500% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 6,055 |
| Noncurrent loans to loans | 0.4591% | 5,363 |
| Net loans and leases to total assets | 43.3293% | 5,876 |
| Net loans and leases to deposits | 48.3897% | 6,085 |
| Net loans and leases to core deposits | 48.3897% | 6,247 |
| Total domestic deposits to total assets | 89.5423% | 1,223 |
| Equity capital to assets | 9.7159% | 4,571 |
| Core capital (leverage) ratio | 9.3600% | 4,321 |
| Tier 1 risk-based capital ratio | 16.8738% | 2,711 |
| Total risk-based capital ratio | 18.0784% | 2,697 |
| Memoranda: | ||
| Average total assets | $36,503,400 | 6,596 |
| Average earning assets | $31,886,600 | 6,610 |
| Average equity | $3,826,000 | 6,604 |
| Average total loans | $17,744,200 | 6,520 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 4,217 |
| Cost of funding earning assets | 0.6086% | 4,559 |
| Net interest margin | 3.7496% | 3,557 |
| Noninterest income to average assets | 0.6420% | 3,033 |
| Noninterest expense to average assets | 2.9749% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9555% | 2,721 |
| Return on assets (ROA) | 1.2990% | 1,588 |
| Pretax return on assets | 1.2990% | 2,614 |
| Return on Equity (ROE) | 12.1471% | 1,586 |
| Retained earnings to average equity (ytd only) | -0.1047% | 6,099 |
| Net charge-offs to loans | -0.0150% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6885% | 2,722 |
| Assets per employee ($millions) | 3.7423% | 4,441 |
| Cash dividends to net income (ytd only)* | 100.8621% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 4,265 |
| Loan loss allowance to noncurrent loans | 199.2063% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 5,851 |
| Noncurrent loans to loans | 0.7151% | 5,007 |
| Net loans and leases to total assets | 46.4126% | 5,721 |
| Net loans and leases to deposits | 52.4141% | 5,948 |
| Net loans and leases to core deposits | 52.4141% | 6,155 |
| Total domestic deposits to total assets | 88.5498% | 1,695 |
| Equity capital to assets | 10.4695% | 3,883 |
| Core capital (leverage) ratio | 9.8785% | 3,713 |
| Tier 1 risk-based capital ratio | 16.6762% | 2,911 |
| Total risk-based capital ratio | 17.8787% | 2,896 |
| Memoranda: | ||
| Average total assets | $35,720,250 | 6,695 |
| Average earning assets | $31,327,250 | 6,713 |
| Average equity | $3,819,750 | 6,690 |
| Average total loans | $17,824,000 | 6,605 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 4,037 |
| Cost of funding earning assets | 0.6374% | 4,550 |
| Net interest margin | 3.7989% | 3,371 |
| Noninterest income to average assets | 0.6486% | 2,963 |
| Noninterest expense to average assets | 2.9813% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0241% | 2,365 |
| Return on assets (ROA) | 1.5475% | 1,025 |
| Pretax return on assets | 1.5475% | 1,717 |
| Return on Equity (ROE) | 14.3649% | 1,037 |
| Retained earnings to average equity (ytd only) | -1.9541% | 6,354 |
| Net charge-offs to loans | -0.0224% | 6,451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4318% | 3,005 |
| Assets per employee ($millions) | 3.4106% | 5,194 |
| Cash dividends to net income (ytd only)* | 113.6029% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 4,582 |
| Loan loss allowance to noncurrent loans | 363.7681% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 6,280 |
| Noncurrent loans to loans | 0.3758% | 5,787 |
| Net loans and leases to total assets | 53.0962% | 4,946 |
| Net loans and leases to deposits | 60.4096% | 5,205 |
| Net loans and leases to core deposits | 60.4096% | 5,554 |
| Total domestic deposits to total assets | 87.8936% | 2,216 |
| Equity capital to assets | 11.1095% | 3,008 |
| Core capital (leverage) ratio | 9.9930% | 3,426 |
| Tier 1 risk-based capital ratio | 16.6321% | 2,843 |
| Total risk-based capital ratio | 17.8428% | 2,825 |
| Memoranda: | ||
| Average total assets | $35,152,670 | 6,762 |
| Average earning assets | $31,061,330 | 6,767 |
| Average equity | $3,787,000 | 6,732 |
| Average total loans | $17,892,000 | 6,654 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 3,969 |
| Cost of funding earning assets | 0.6688% | 4,547 |
| Net interest margin | 3.8198% | 3,293 |
| Noninterest income to average assets | 0.6279% | 3,067 |
| Noninterest expense to average assets | 2.8366% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1212% | 1,985 |
| Return on assets (ROA) | 1.1212% | 2,171 |
| Pretax return on assets | 1.1212% | 3,237 |
| Return on Equity (ROE) | 10.5652% | 2,205 |
| Retained earnings to average equity (ytd only) | -17.6440% | 7,012 |
| Net charge-offs to loans | -0.0227% | 6,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6714% | 3,500 |
| Assets per employee ($millions) | 3.5399% | 5,027 |
| Cash dividends to net income (ytd only)* | 267.0000% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 4,447 |
| Loan loss allowance to noncurrent loans | 4,166.6667% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 6,871 |
| Noncurrent loans to loans | 0.0344% | 6,679 |
| Net loans and leases to total assets | 48.4985% | 5,490 |
| Net loans and leases to deposits | 54.7083% | 5,729 |
| Net loans and leases to core deposits | 54.7083% | 6,004 |
| Total domestic deposits to total assets | 88.6494% | 1,917 |
| Equity capital to assets | 10.4692% | 3,528 |
| Core capital (leverage) ratio | 9.3460% | 4,291 |
| Tier 1 risk-based capital ratio | 16.2718% | 3,035 |
| Total risk-based capital ratio | 17.4982% | 3,006 |
| Memoranda: | ||
| Average total assets | $35,676,000 | 6,807 |
| Average earning assets | $31,101,000 | 6,818 |
| Average equity | $3,786,000 | 6,780 |
| Average total loans | $17,658,000 | 6,723 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 3,923 |
| Cost of funding earning assets | 0.7826% | 4,990 |
| Net interest margin | 3.9931% | 2,920 |
| Noninterest income to average assets | 0.7040% | 2,580 |
| Noninterest expense to average assets | 2.9235% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4021% | 1,027 |
| Return on assets (ROA) | 1.4108% | 1,086 |
| Pretax return on assets | 1.4108% | 1,747 |
| Return on Equity (ROE) | 13.2644% | 1,103 |
| Retained earnings to average equity (ytd only) | 2.5161% | 4,438 |
| Net charge-offs to loans | -0.0437% | 7,042 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5857% | 4,446 |
| Assets per employee ($millions) | 3.9948% | 3,865 |
| Cash dividends to net income (ytd only)* | 81.0309% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 4,504 |
| Loan loss allowance to noncurrent loans | 172.9167% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 5,969 |
| Noncurrent loans to loans | 0.8046% | 5,082 |
| Net loans and leases to total assets | 49.0891% | 5,706 |
| Net loans and leases to deposits | 55.4791% | 5,934 |
| Net loans and leases to core deposits | 55.4791% | 6,192 |
| Total domestic deposits to total assets | 88.4822% | 1,863 |
| Equity capital to assets | 10.7529% | 3,244 |
| Core capital (leverage) ratio | 9.9390% | 3,407 |
| Tier 1 risk-based capital ratio | 16.6770% | 2,744 |
| Total risk-based capital ratio | 17.8689% | 2,734 |
| Memoranda: | ||
| Average total assets | $34,376,800 | 6,848 |
| Average earning assets | $31,178,400 | 6,833 |
| Average equity | $3,656,400 | 6,840 |
| Average total loans | $18,306,200 | 6,739 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 3,777 |
| Cost of funding earning assets | 0.8120% | 5,074 |
| Net interest margin | 4.0386% | 2,738 |
| Noninterest income to average assets | 0.7219% | 2,473 |
| Noninterest expense to average assets | 2.9465% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4831% | 978 |
| Return on assets (ROA) | 1.4948% | 1,027 |
| Pretax return on assets | 1.4948% | 1,665 |
| Return on Equity (ROE) | 14.0952% | 1,025 |
| Retained earnings to average equity (ytd only) | 1.1099% | 5,574 |
| Net charge-offs to loans | -0.0145% | 6,838 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5190% | 4,617 |
| Assets per employee ($millions) | 3.6318% | 4,676 |
| Cash dividends to net income (ytd only)* | 92.1258% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,812 |
| Loan loss allowance to noncurrent loans | 124.6154% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 5,624 |
| Noncurrent loans to loans | 1.0764% | 4,759 |
| Net loans and leases to total assets | 54.6809% | 5,061 |
| Net loans and leases to deposits | 62.6661% | 5,327 |
| Net loans and leases to core deposits | 63.9075% | 5,626 |
| Total domestic deposits to total assets | 87.2575% | 2,489 |
| Equity capital to assets | 11.6931% | 2,504 |
| Core capital (leverage) ratio | 10.2323% | 3,150 |
| Tier 1 risk-based capital ratio | 16.5458% | 2,841 |
| Total risk-based capital ratio | 17.7207% | 2,841 |
| Memoranda: | ||
| Average total assets | $33,982,750 | 6,924 |
| Average earning assets | $31,198,250 | 6,897 |
| Average equity | $3,604,000 | 6,911 |
| Average total loans | $18,408,250 | 6,799 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 4,538 |
| Cost of funding earning assets | 0.8349% | 5,168 |
| Net interest margin | 3.8647% | 3,468 |
| Noninterest income to average assets | 0.6799% | 2,654 |
| Noninterest expense to average assets | 2.9173% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3134% | 1,283 |
| Return on assets (ROA) | 1.3308% | 1,321 |
| Pretax return on assets | 1.3308% | 2,036 |
| Return on Equity (ROE) | 12.9696% | 1,208 |
| Retained earnings to average equity (ytd only) | -4.5309% | 6,526 |
| Net charge-offs to loans | -0.0108% | 6,698 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9560% | 4,336 |
| Assets per employee ($millions) | 3.7170% | 4,395 |
| Cash dividends to net income (ytd only)* | 134.9345% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 5,073 |
| Loan loss allowance to noncurrent loans | 59.3137% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 4,457 |
| Noncurrent loans to loans | 2.1874% | 3,240 |
| Net loans and leases to total assets | 55.0324% | 5,143 |
| Net loans and leases to deposits | 62.3856% | 5,456 |
| Net loans and leases to core deposits | 62.3856% | 5,868 |
| Total domestic deposits to total assets | 88.2133% | 2,006 |
| Equity capital to assets | 10.8720% | 3,100 |
| Core capital (leverage) ratio | 9.6060% | 3,799 |
| Tier 1 risk-based capital ratio | 15.5067% | 3,239 |
| Total risk-based capital ratio | 16.6394% | 3,251 |
| Memoranda: | ||
| Average total assets | $34,415,000 | 6,976 |
| Average earning assets | $31,619,330 | 6,947 |
| Average equity | $3,531,330 | 6,972 |
| Average total loans | $18,505,670 | 6,859 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 4,607 |
| Cost of funding earning assets | 0.8660% | 5,164 |
| Net interest margin | 3.8152% | 3,537 |
| Noninterest income to average assets | 0.6534% | 2,821 |
| Noninterest expense to average assets | 2.8427% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2953% | 1,278 |
| Return on assets (ROA) | 1.2953% | 1,319 |
| Pretax return on assets | 1.2953% | 2,056 |
| Return on Equity (ROE) | 12.9941% | 1,202 |
| Retained earnings to average equity (ytd only) | -17.7088% | 7,110 |
| Net charge-offs to loans | -0.0217% | 6,595 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6981% | 4,521 |
| Assets per employee ($millions) | 3.9167% | 4,034 |
| Cash dividends to net income (ytd only)* | 236.2832% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 5,016 |
| Loan loss allowance to noncurrent loans | 105.2174% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7035% | 5,527 |
| Noncurrent loans to loans | 1.2585% | 4,584 |
| Net loans and leases to total assets | 51.1574% | 5,695 |
| Net loans and leases to deposits | 57.1352% | 6,010 |
| Net loans and leases to core deposits | 57.6245% | 6,290 |
| Total domestic deposits to total assets | 89.5376% | 1,462 |
| Equity capital to assets | 9.6624% | 4,233 |
| Core capital (leverage) ratio | 9.2395% | 4,227 |
| Tier 1 risk-based capital ratio | 15.1313% | 3,356 |
| Total risk-based capital ratio | 16.2618% | 3,378 |
| Memoranda: | ||
| Average total assets | $34,896,000 | 7,009 |
| Average earning assets | $31,872,500 | 6,991 |
| Average equity | $3,478,500 | 7,022 |
| Average total loans | $18,432,500 | 6,914 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1683% | 3,758 |
| Cost of funding earning assets | 1.0884% | 5,197 |
| Net interest margin | 4.0799% | 2,659 |
| Noninterest income to average assets | 0.7311% | 2,641 |
| Noninterest expense to average assets | 2.9838% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4090% | 932 |
| Return on assets (ROA) | 1.4090% | 1,005 |
| Pretax return on assets | 1.4090% | 1,640 |
| Return on Equity (ROE) | 13.5212% | 979 |
| Retained earnings to average equity (ytd only) | 4.4881% | 2,732 |
| Net charge-offs to loans | -0.0054% | 7,271 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9245% | 4,574 |
| Assets per employee ($millions) | 3.8380% | 4,149 |
| Cash dividends to net income (ytd only)* | 66.8067% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 5,022 |
| Loan loss allowance to noncurrent loans | 114.2180% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 5,676 |
| Noncurrent loans to loans | 1.1350% | 4,843 |
| Net loans and leases to total assets | 53.1208% | 5,764 |
| Net loans and leases to deposits | 59.6793% | 6,093 |
| Net loans and leases to core deposits | 60.2021% | 6,376 |
| Total domestic deposits to total assets | 89.0105% | 1,657 |
| Equity capital to assets | 10.2802% | 3,404 |
| Core capital (leverage) ratio | 9.7781% | 3,349 |
| Tier 1 risk-based capital ratio | 15.9386% | 2,780 |
| Total risk-based capital ratio | 17.0707% | 2,797 |
| Memoranda: | ||
| Average total assets | $33,782,800 | 7,087 |
| Average earning assets | $30,319,400 | 7,077 |
| Average equity | $3,520,400 | 7,132 |
| Average total loans | $18,631,000 | 6,996 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 3,592 |
| Cost of funding earning assets | 1.1330% | 5,235 |
| Net interest margin | 4.1144% | 2,555 |
| Noninterest income to average assets | 0.7501% | 2,502 |
| Noninterest expense to average assets | 2.9609% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4646% | 989 |
| Return on assets (ROA) | 1.4646% | 1,066 |
| Pretax return on assets | 1.4646% | 1,706 |
| Return on Equity (ROE) | 14.0058% | 1,035 |
| Retained earnings to average equity (ytd only) | 3.5300% | 3,967 |
| Net charge-offs to loans | -0.0286% | 7,400 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9058% | 4,675 |
| Assets per employee ($millions) | 3.8336% | 4,185 |
| Cash dividends to net income (ytd only)* | 74.7962% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 4,915 |
| Loan loss allowance to noncurrent loans | 334.2466% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 6,835 |
| Noncurrent loans to loans | 0.3913% | 6,414 |
| Net loans and leases to total assets | 53.3592% | 5,937 |
| Net loans and leases to deposits | 60.2323% | 6,294 |
| Net loans and leases to core deposits | 60.7611% | 6,556 |
| Total domestic deposits to total assets | 88.5891% | 1,634 |
| Equity capital to assets | 10.5211% | 3,489 |
| Core capital (leverage) ratio | 9.5536% | 3,823 |
| Tier 1 risk-based capital ratio | 15.6413% | 2,934 |
| Total risk-based capital ratio | 16.7881% | 2,942 |
| Memoranda: | ||
| Average total assets | $33,593,000 | 7,178 |
| Average earning assets | $30,007,500 | 7,176 |
| Average equity | $3,512,750 | 7,221 |
| Average total loans | $18,641,250 | 7,088 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 3,529 |
| Cost of funding earning assets | 1.1719% | 5,279 |
| Net interest margin | 4.1150% | 2,484 |
| Noninterest income to average assets | 0.7510% | 2,383 |
| Noninterest expense to average assets | 2.9619% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4599% | 978 |
| Return on assets (ROA) | 1.4599% | 1,041 |
| Pretax return on assets | 1.4599% | 1,672 |
| Return on Equity (ROE) | 13.9910% | 1,041 |
| Retained earnings to average equity (ytd only) | 0.5182% | 5,555 |
| Net charge-offs to loans | -0.0644% | 7,485 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9837% | 4,767 |
| Assets per employee ($millions) | 3.8930% | 3,993 |
| Cash dividends to net income (ytd only)* | 96.2963% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 4,911 |
| Loan loss allowance to noncurrent loans | 273.3333% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 6,757 |
| Noncurrent loans to loans | 0.4760% | 6,300 |
| Net loans and leases to total assets | 53.2608% | 6,086 |
| Net loans and leases to deposits | 59.7228% | 6,435 |
| Net loans and leases to core deposits | 60.2317% | 6,700 |
| Total domestic deposits to total assets | 89.1800% | 1,335 |
| Equity capital to assets | 10.0437% | 3,965 |
| Core capital (leverage) ratio | 9.5392% | 3,762 |
| Tier 1 risk-based capital ratio | 14.5680% | 3,404 |
| Total risk-based capital ratio | 15.6727% | 3,453 |
| Memoranda: | ||
| Average total assets | $33,290,000 | 7,246 |
| Average earning assets | $29,696,330 | 7,239 |
| Average equity | $3,473,670 | 7,272 |
| Average total loans | $18,637,000 | 7,143 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3881% | 3,094 |
| Cost of funding earning assets | 1.2434% | 5,154 |
| Net interest margin | 4.1447% | 2,254 |
| Noninterest income to average assets | 0.7157% | 2,498 |
| Noninterest expense to average assets | 2.9368% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4807% | 921 |
| Return on assets (ROA) | 1.4807% | 992 |
| Pretax return on assets | 1.4807% | 1,568 |
| Return on Equity (ROE) | 13.9090% | 1,067 |
| Retained earnings to average equity (ytd only) | -3.4773% | 6,424 |
| Net charge-offs to loans | -0.1081% | 7,534 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4804% | 5,014 |
| Assets per employee ($millions) | 3.6164% | 4,781 |
| Cash dividends to net income (ytd only)* | 125.0000% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,773 |
| Loan loss allowance to noncurrent loans | 220.7207% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 6,625 |
| Noncurrent loans to loans | 0.6028% | 6,100 |
| Net loans and leases to total assets | 55.8222% | 5,770 |
| Net loans and leases to deposits | 62.9273% | 6,180 |
| Net loans and leases to core deposits | 63.5035% | 6,491 |
| Total domestic deposits to total assets | 88.7090% | 1,669 |
| Equity capital to assets | 10.5475% | 3,198 |
| Core capital (leverage) ratio | 9.9294% | 3,251 |
| Tier 1 risk-based capital ratio | 14.8696% | 3,168 |
| Total risk-based capital ratio | 16.0063% | 3,191 |
| Memoranda: | ||
| Average total assets | $32,416,500 | 7,362 |
| Average earning assets | $28,952,500 | 7,356 |
| Average equity | $3,451,000 | 7,360 |
| Average total loans | $18,502,000 | 7,239 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6900% | 3,151 |
| Cost of funding earning assets | 1.5317% | 5,369 |
| Net interest margin | 4.1584% | 2,213 |
| Noninterest income to average assets | 0.7791% | 2,518 |
| Noninterest expense to average assets | 3.0577% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4902% | 689 |
| Return on assets (ROA) | 1.4902% | 742 |
| Pretax return on assets | 1.4902% | 1,209 |
| Return on Equity (ROE) | 14.2418% | 746 |
| Retained earnings to average equity (ytd only) | 2.6297% | 3,305 |
| Net charge-offs to loans | -0.0109% | 7,754 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2332% | 5,140 |
| Assets per employee ($millions) | 3.5872% | 4,811 |
| Cash dividends to net income (ytd only)* | 81.5353% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 4,818 |
| Loan loss allowance to noncurrent loans | 406.7797% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 7,013 |
| Noncurrent loans to loans | 0.3174% | 6,645 |
| Net loans and leases to total assets | 56.8375% | 5,847 |
| Net loans and leases to deposits | 64.1765% | 6,239 |
| Net loans and leases to core deposits | 70.5254% | 6,735 |
| Total domestic deposits to total assets | 88.5643% | 1,693 |
| Equity capital to assets | 10.7449% | 2,932 |
| Core capital (leverage) ratio | 9.8463% | 3,274 |
| Tier 1 risk-based capital ratio | 15.0221% | 2,927 |
| Total risk-based capital ratio | 16.1365% | 2,953 |
| Memoranda: | ||
| Average total assets | $32,344,400 | 7,387 |
| Average earning assets | $29,314,400 | 7,384 |
| Average equity | $3,384,400 | 7,479 |
| Average total loans | $18,357,200 | 7,293 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6929% | 3,375 |
| Cost of funding earning assets | 1.5910% | 5,450 |
| Net interest margin | 4.1020% | 2,385 |
| Noninterest income to average assets | 0.7829% | 2,528 |
| Noninterest expense to average assets | 3.0284% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4833% | 846 |
| Return on assets (ROA) | 1.4833% | 903 |
| Pretax return on assets | 1.4833% | 1,464 |
| Return on Equity (ROE) | 14.2716% | 883 |
| Retained earnings to average equity (ytd only) | 2.0219% | 4,188 |
| Net charge-offs to loans | -0.0365% | 7,825 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1233% | 5,159 |
| Assets per employee ($millions) | 3.5846% | 4,726 |
| Cash dividends to net income (ytd only)* | 85.8330% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 4,615 |
| Loan loss allowance to noncurrent loans | 84.3750% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8927% | 5,292 |
| Noncurrent loans to loans | 1.5179% | 4,380 |
| Net loans and leases to total assets | 58.0608% | 5,881 |
| Net loans and leases to deposits | 65.7759% | 6,331 |
| Net loans and leases to core deposits | 72.3121% | 6,827 |
| Total domestic deposits to total assets | 88.2707% | 1,529 |
| Equity capital to assets | 10.7994% | 3,208 |
| Core capital (leverage) ratio | 9.7232% | 3,615 |
| Tier 1 risk-based capital ratio | 14.7484% | 3,159 |
| Total risk-based capital ratio | 15.8694% | 3,164 |
| Memoranda: | ||
| Average total assets | $32,359,250 | 7,450 |
| Average earning assets | $29,415,750 | 7,442 |
| Average equity | $3,363,250 | 7,552 |
| Average total loans | $18,299,000 | 7,364 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6605% | 3,766 |
| Cost of funding earning assets | 1.6521% | 5,501 |
| Net interest margin | 4.0084% | 2,663 |
| Noninterest income to average assets | 0.7780% | 2,529 |
| Noninterest expense to average assets | 2.9205% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5127% | 812 |
| Return on assets (ROA) | 1.5127% | 870 |
| Pretax return on assets | 1.5127% | 1,408 |
| Return on Equity (ROE) | 14.7457% | 871 |
| Retained earnings to average equity (ytd only) | -1.3241% | 5,573 |
| Net charge-offs to loans | -0.0221% | 7,715 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8774% | 5,567 |
| Assets per employee ($millions) | 3.5850% | 4,609 |
| Cash dividends to net income (ytd only)* | 108.9796% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 4,388 |
| Loan loss allowance to noncurrent loans | 203.3898% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 6,540 |
| Noncurrent loans to loans | 0.6299% | 5,987 |
| Net loans and leases to total assets | 57.3129% | 6,057 |
| Net loans and leases to deposits | 64.5580% | 6,511 |
| Net loans and leases to core deposits | 70.8750% | 6,976 |
| Total domestic deposits to total assets | 88.7773% | 1,389 |
| Equity capital to assets | 10.3518% | 3,562 |
| Core capital (leverage) ratio | 9.4724% | 3,932 |
| Tier 1 risk-based capital ratio | 14.6316% | 3,172 |
| Total risk-based capital ratio | 15.7557% | 3,186 |
| Memoranda: | ||
| Average total assets | $32,392,000 | 7,513 |
| Average earning assets | $29,538,000 | 7,498 |
| Average equity | $3,323,000 | 7,626 |
| Average total loans | $18,074,000 | 7,438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6499% | 4,049 |
| Cost of funding earning assets | 1.7478% | 5,361 |
| Net interest margin | 3.9021% | 3,029 |
| Noninterest income to average assets | 0.7641% | 2,511 |
| Noninterest expense to average assets | 2.7977% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5159% | 911 |
| Return on assets (ROA) | 1.5159% | 981 |
| Pretax return on assets | 1.5159% | 1,625 |
| Return on Equity (ROE) | 14.8439% | 1,005 |
| Retained earnings to average equity (ytd only) | -12.3095% | 7,283 |
| Net charge-offs to loans | -0.0225% | 7,468 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8571% | 5,529 |
| Assets per employee ($millions) | 3.6399% | 4,481 |
| Cash dividends to net income (ytd only)* | 182.9268% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 3,747 |
| Loan loss allowance to noncurrent loans | 191.2000% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 6,362 |
| Noncurrent loans to loans | 0.7101% | 5,633 |
| Net loans and leases to total assets | 53.0083% | 6,580 |
| Net loans and leases to deposits | 59.3472% | 6,945 |
| Net loans and leases to core deposits | 64.9718% | 7,279 |
| Total domestic deposits to total assets | 89.3190% | 1,092 |
| Equity capital to assets | 9.9637% | 4,037 |
| Core capital (leverage) ratio | 9.3066% | 4,235 |
| Tier 1 risk-based capital ratio | 14.3714% | 3,380 |
| Total risk-based capital ratio | 15.4997% | 3,385 |
| Memoranda: | ||
| Average total assets | $32,455,500 | 7,549 |
| Average earning assets | $29,522,500 | 7,544 |
| Average equity | $3,314,500 | 7,680 |
| Average total loans | $17,745,000 | 7,495 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3393% | 3,733 |
| Cost of funding earning assets | 2.3237% | 5,044 |
| Net interest margin | 4.0156% | 3,046 |
| Noninterest income to average assets | 0.7358% | 2,866 |
| Noninterest expense to average assets | 2.7999% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5799% | 865 |
| Return on assets (ROA) | 1.5799% | 833 |
| Pretax return on assets | 1.5799% | 1,445 |
| Return on Equity (ROE) | 16.0321% | 771 |
| Retained earnings to average equity (ytd only) | 4.5252% | 2,310 |
| Net charge-offs to loans | -0.0056% | 7,792 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9273% | 5,579 |
| Assets per employee ($millions) | 3.5724% | 4,494 |
| Cash dividends to net income (ytd only)* | 71.7742% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 3,590 |
| Loan loss allowance to noncurrent loans | 97.1429% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 4,937 |
| Noncurrent loans to loans | 1.3698% | 3,777 |
| Net loans and leases to total assets | 54.8893% | 6,562 |
| Net loans and leases to deposits | 61.7516% | 6,963 |
| Net loans and leases to core deposits | 68.0051% | 7,284 |
| Total domestic deposits to total assets | 88.8872% | 1,091 |
| Equity capital to assets | 10.4659% | 3,541 |
| Core capital (leverage) ratio | 9.8807% | 3,566 |
| Tier 1 risk-based capital ratio | 14.8529% | 3,125 |
| Total risk-based capital ratio | 15.9766% | 3,110 |
| Memoranda: | ||
| Average total assets | $31,394,400 | 7,587 |
| Average earning assets | $28,489,000 | 7,590 |
| Average equity | $3,093,800 | 7,809 |
| Average total loans | $17,756,800 | 7,478 |