Home > First State Bank of Wabasha > Performance and Condition Ratios
First State Bank of Wabasha, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8607% | 5,398 |
| Cost of funding earning assets | 0.1481% | 5,175 |
| Net interest margin | 0.7126% | 5,398 |
| Noninterest income to average assets | 0.0681% | 5,232 |
| Noninterest expense to average assets | 0.3523% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3674% | 4,910 |
| Return on assets (ROA) | 0.3610% | 4,917 |
| Pretax return on assets | 0.3610% | 4,978 |
| Return on Equity (ROE) | 2.8935% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.8935% | 3,953 |
| Net charge-offs to loans | -0.0101% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5743% | 5,227 |
| Assets per employee ($millions) | 7.4094% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0098% | 5,358 |
| Loan loss allowance to noncurrent loans | 2.9851% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,186 |
| Noncurrent loans to loans | 0.3277% | 3,378 |
| Net loans and leases to total assets | 30.6526% | 5,196 |
| Net loans and leases to deposits | 36.4849% | 5,186 |
| Net loans and leases to core deposits | 38.6122% | 5,180 |
| Total domestic deposits to total assets | 84.0143% | 2,992 |
| Equity capital to assets | 15.8860% | 550 |
| Core capital (leverage) ratio | 8.5190% | 5,021 |
| Tier 1 risk-based capital ratio | 15.8430% | 2,471 |
| Total risk-based capital ratio | 15.8493% | 2,940 |
| Memoranda: | ||
| Average total assets | $126,307,600 | 3,693 |
| Average earning assets | $115,488,000 | 3,726 |
| Average equity | $15,759,600 | 3,541 |
| Average total loans | $39,545,000 | 4,565 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 5,093 |
| Cost of funding earning assets | 0.5675% | 2,724 |
| Net interest margin | 2.7764% | 5,114 |
| Noninterest income to average assets | 0.3929% | 3,524 |
| Noninterest expense to average assets | 1.9441% | 4,829 |
| Loan and lease loss provision to assets | 0.0803% | 2,350 |
| Net operating income to assets | 0.9549% | 3,285 |
| Return on assets (ROA) | 0.9549% | 3,299 |
| Pretax return on assets | 0.9560% | 3,862 |
| Return on Equity (ROE) | 8.2575% | 3,436 |
| Retained earnings to average equity (ytd only) | 3.6288% | 3,948 |
| Net charge-offs to loans | 0.2244% | 760 |
| Credit loss provision to net charge-offs | 113.6364% | 2,067 |
| Earnings coverage of net charge-offs (x) | 14.6663% | 2,278 |
| Efficiency ratio | 65.2299% | 2,999 |
| Assets per employee ($millions) | 6.2286% | 1,332 |
| Cash dividends to net income (ytd only)* | 56.0540% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 893 |
| Loan loss allowance to noncurrent loans | 440.5405% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,203 |
| Noncurrent loans to loans | 0.3837% | 3,280 |
| Net loans and leases to total assets | 30.4429% | 5,270 |
| Net loans and leases to deposits | 34.5024% | 5,293 |
| Net loans and leases to core deposits | 36.4399% | 5,290 |
| Total domestic deposits to total assets | 88.2340% | 1,142 |
| Equity capital to assets | 11.4208% | 2,318 |
| Core capital (leverage) ratio | 12.3604% | 1,575 |
| Tier 1 risk-based capital ratio | 30.3979% | 457 |
| Total risk-based capital ratio | 31.6484% | 450 |
| Memoranda: | ||
| Average total assets | $124,542,250 | 3,756 |
| Average earning assets | $116,071,750 | 3,753 |
| Average equity | $14,402,750 | 3,736 |
| Average total loans | $39,210,000 | 4,624 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3013% | 5,138 |
| Cost of funding earning assets | 0.5393% | 2,693 |
| Net interest margin | 2.7621% | 5,163 |
| Noninterest income to average assets | 0.4079% | 3,430 |
| Noninterest expense to average assets | 1.7473% | 5,151 |
| Loan and lease loss provision to assets | 0.0723% | 2,442 |
| Net operating income to assets | 1.1531% | 2,382 |
| Return on assets (ROA) | 1.1531% | 2,384 |
| Pretax return on assets | 1.1547% | 3,114 |
| Return on Equity (ROE) | 9.9299% | 2,593 |
| Retained earnings to average equity (ytd only) | 3.0149% | 4,042 |
| Net charge-offs to loans | 0.3450% | 465 |
| Credit loss provision to net charge-offs | 66.1765% | 2,388 |
| Earnings coverage of net charge-offs (x) | 11.2353% | 2,287 |
| Efficiency ratio | 58.7473% | 4,121 |
| Assets per employee ($millions) | 5.8579% | 1,592 |
| Cash dividends to net income (ytd only)* | 69.6379% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 1,104 |
| Loan loss allowance to noncurrent loans | 418.9189% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 4,188 |
| Noncurrent loans to loans | 0.3824% | 3,325 |
| Net loans and leases to total assets | 29.5537% | 5,336 |
| Net loans and leases to deposits | 33.3549% | 5,356 |
| Net loans and leases to core deposits | 35.1366% | 5,352 |
| Total domestic deposits to total assets | 88.6036% | 1,094 |
| Equity capital to assets | 11.1551% | 2,502 |
| Core capital (leverage) ratio | 11.8965% | 1,779 |
| Tier 1 risk-based capital ratio | 30.1295% | 469 |
| Total risk-based capital ratio | 31.3476% | 465 |
| Memoranda: | ||
| Average total assets | $124,532,670 | 3,785 |
| Average earning assets | $115,710,670 | 3,778 |
| Average equity | $14,461,330 | 3,750 |
| Average total loans | $39,421,670 | 4,659 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3210% | 5,112 |
| Cost of funding earning assets | 0.4800% | 2,962 |
| Net interest margin | 2.8410% | 5,112 |
| Noninterest income to average assets | 0.3367% | 3,907 |
| Noninterest expense to average assets | 1.9222% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0428% | 2,678 |
| Return on assets (ROA) | 1.0428% | 2,698 |
| Pretax return on assets | 1.0461% | 3,371 |
| Return on Equity (ROE) | 8.7976% | 3,010 |
| Retained earnings to average equity (ytd only) | -4.9917% | 5,205 |
| Net charge-offs to loans | -0.0503% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7577% | 3,361 |
| Assets per employee ($millions) | 5.3789% | 2,060 |
| Cash dividends to net income (ytd only)* | 156.7398% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 1,085 |
| Loan loss allowance to noncurrent loans | 148.2838% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 2,705 |
| Noncurrent loans to loans | 1.1028% | 1,661 |
| Net loans and leases to total assets | 32.9395% | 5,295 |
| Net loans and leases to deposits | 37.4611% | 5,330 |
| Net loans and leases to core deposits | 39.8127% | 5,312 |
| Total domestic deposits to total assets | 87.9300% | 1,657 |
| Equity capital to assets | 11.8908% | 1,856 |
| Core capital (leverage) ratio | 12.2956% | 1,478 |
| Tier 1 risk-based capital ratio | 29.3704% | 496 |
| Total risk-based capital ratio | 30.6210% | 490 |
| Memoranda: | ||
| Average total assets | $122,362,000 | 3,860 |
| Average earning assets | $113,338,500 | 3,861 |
| Average equity | $14,504,000 | 3,776 |
| Average total loans | $39,779,000 | 4,697 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1301% | 5,257 |
| Cost of funding earning assets | 0.4556% | 2,718 |
| Net interest margin | 2.6745% | 5,294 |
| Noninterest income to average assets | 0.6021% | 2,437 |
| Noninterest expense to average assets | 1.6009% | 5,414 |
| Loan and lease loss provision to assets | 0.0015% | 4,211 |
| Net operating income to assets | 1.4141% | 983 |
| Return on assets (ROA) | 1.4280% | 974 |
| Pretax return on assets | 1.4288% | 1,894 |
| Return on Equity (ROE) | 12.6273% | 1,050 |
| Retained earnings to average equity (ytd only) | 4.9485% | 2,159 |
| Net charge-offs to loans | 0.4887% | 488 |
| Credit loss provision to net charge-offs | 1.0638% | 3,703 |
| Earnings coverage of net charge-offs (x) | 9.7606% | 2,753 |
| Efficiency ratio | 53.0570% | 5,028 |
| Assets per employee ($millions) | 5.7450% | 1,720 |
| Cash dividends to net income (ytd only)* | 60.8108% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 1,123 |
| Loan loss allowance to noncurrent loans | 141.0088% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 3,221 |
| Noncurrent loans to loans | 1.1420% | 1,555 |
| Net loans and leases to total assets | 31.0850% | 5,415 |
| Net loans and leases to deposits | 35.2982% | 5,443 |
| Net loans and leases to core deposits | 37.2642% | 5,434 |
| Total domestic deposits to total assets | 88.0638% | 1,467 |
| Equity capital to assets | 11.8183% | 1,972 |
| Core capital (leverage) ratio | 11.9973% | 1,603 |
| Tier 1 risk-based capital ratio | 28.8575% | 504 |
| Total risk-based capital ratio | 30.0849% | 499 |
| Memoranda: | ||
| Average total assets | $129,553,000 | 3,755 |
| Average earning assets | $116,992,600 | 3,804 |
| Average equity | $14,650,800 | 3,762 |
| Average total loans | $38,471,200 | 4,776 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0969% | 5,336 |
| Cost of funding earning assets | 0.4510% | 2,707 |
| Net interest margin | 2.6459% | 5,370 |
| Noninterest income to average assets | 0.3601% | 3,952 |
| Noninterest expense to average assets | 1.5978% | 5,454 |
| Loan and lease loss provision to assets | 0.0737% | 2,598 |
| Net operating income to assets | 1.0700% | 2,231 |
| Return on assets (ROA) | 1.0884% | 2,198 |
| Pretax return on assets | 1.0894% | 3,343 |
| Return on Equity (ROE) | 9.7305% | 2,239 |
| Retained earnings to average equity (ytd only) | 0.8139% | 5,032 |
| Net charge-offs to loans | 0.3254% | 645 |
| Credit loss provision to net charge-offs | 77.4194% | 2,620 |
| Earnings coverage of net charge-offs (x) | 12.0319% | 2,458 |
| Efficiency ratio | 58.2618% | 4,467 |
| Assets per employee ($millions) | 5.6077% | 1,822 |
| Cash dividends to net income (ytd only)* | 91.6356% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1270% | 460 |
| Loan loss allowance to noncurrent loans | 170.8245% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 3,236 |
| Noncurrent loans to loans | 1.2451% | 1,534 |
| Net loans and leases to total assets | 30.1370% | 5,497 |
| Net loans and leases to deposits | 34.3925% | 5,520 |
| Net loans and leases to core deposits | 36.5574% | 5,516 |
| Total domestic deposits to total assets | 87.6267% | 1,562 |
| Equity capital to assets | 12.0516% | 1,934 |
| Core capital (leverage) ratio | 11.4015% | 2,096 |
| Tier 1 risk-based capital ratio | 28.3924% | 543 |
| Total risk-based capital ratio | 29.6473% | 539 |
| Memoranda: | ||
| Average total assets | $130,344,000 | 3,779 |
| Average earning assets | $117,362,500 | 3,834 |
| Average equity | $14,579,250 | 3,808 |
| Average total loans | $38,106,250 | 4,838 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0916% | 5,356 |
| Cost of funding earning assets | 0.4438% | 2,657 |
| Net interest margin | 2.6477% | 5,408 |
| Noninterest income to average assets | 0.3588% | 3,994 |
| Noninterest expense to average assets | 1.5422% | 5,535 |
| Loan and lease loss provision to assets | 0.0528% | 2,925 |
| Net operating income to assets | 1.1186% | 1,893 |
| Return on assets (ROA) | 1.1291% | 1,910 |
| Pretax return on assets | 1.1306% | 3,052 |
| Return on Equity (ROE) | 10.3432% | 1,896 |
| Retained earnings to average equity (ytd only) | -1.0495% | 5,242 |
| Net charge-offs to loans | 0.3303% | 609 |
| Credit loss provision to net charge-offs | 55.5556% | 2,497 |
| Earnings coverage of net charge-offs (x) | 12.3492% | 2,199 |
| Efficiency ratio | 56.8018% | 4,731 |
| Assets per employee ($millions) | 5.7494% | 1,654 |
| Cash dividends to net income (ytd only)* | 110.1469% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 525 |
| Loan loss allowance to noncurrent loans | 209.6859% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 3,710 |
| Noncurrent loans to loans | 0.9931% | 1,980 |
| Net loans and leases to total assets | 28.4817% | 5,572 |
| Net loans and leases to deposits | 32.1771% | 5,600 |
| Net loans and leases to core deposits | 34.0472% | 5,600 |
| Total domestic deposits to total assets | 88.5152% | 1,197 |
| Equity capital to assets | 11.2367% | 2,556 |
| Core capital (leverage) ratio | 10.1559% | 3,329 |
| Tier 1 risk-based capital ratio | 27.6184% | 574 |
| Total risk-based capital ratio | 28.8724% | 560 |
| Memoranda: | ||
| Average total assets | $132,668,670 | 3,772 |
| Average earning assets | $118,062,670 | 3,838 |
| Average equity | $14,483,000 | 3,823 |
| Average total loans | $38,145,670 | 4,870 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1062% | 5,360 |
| Cost of funding earning assets | 0.4408% | 2,607 |
| Net interest margin | 2.6654% | 5,430 |
| Noninterest income to average assets | 0.3432% | 4,099 |
| Noninterest expense to average assets | 1.6134% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0927% | 1,902 |
| Return on assets (ROA) | 1.0927% | 1,943 |
| Pretax return on assets | 1.0957% | 3,006 |
| Return on Equity (ROE) | 10.1574% | 1,902 |
| Retained earnings to average equity (ytd only) | -4.5331% | 5,358 |
| Net charge-offs to loans | 0.2948% | 620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,808 |
| Efficiency ratio | 59.5556% | 4,520 |
| Assets per employee ($millions) | 5.8803% | 1,591 |
| Cash dividends to net income (ytd only)* | 144.6281% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1471% | 509 |
| Loan loss allowance to noncurrent loans | 460.3448% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 4,479 |
| Noncurrent loans to loans | 0.4664% | 3,417 |
| Net loans and leases to total assets | 26.9916% | 5,651 |
| Net loans and leases to deposits | 30.2730% | 5,678 |
| Net loans and leases to core deposits | 31.9069% | 5,671 |
| Total domestic deposits to total assets | 89.1605% | 1,071 |
| Equity capital to assets | 10.6487% | 3,017 |
| Core capital (leverage) ratio | 10.8906% | 2,492 |
| Tier 1 risk-based capital ratio | 27.3260% | 605 |
| Total risk-based capital ratio | 28.5799% | 589 |
| Memoranda: | ||
| Average total assets | $132,885,000 | 3,797 |
| Average earning assets | $117,956,000 | 3,871 |
| Average equity | $14,295,000 | 3,876 |
| Average total loans | $37,986,500 | 4,918 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2028% | 5,299 |
| Cost of funding earning assets | 0.4834% | 2,226 |
| Net interest margin | 2.7194% | 5,397 |
| Noninterest income to average assets | 0.2978% | 4,608 |
| Noninterest expense to average assets | 1.5323% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1613% | 1,642 |
| Return on assets (ROA) | 1.1613% | 1,739 |
| Pretax return on assets | 1.1620% | 2,845 |
| Return on Equity (ROE) | 10.1848% | 1,884 |
| Retained earnings to average equity (ytd only) | 4.4931% | 2,710 |
| Net charge-offs to loans | -0.0104% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8716% | 4,968 |
| Assets per employee ($millions) | 5.6750% | 1,713 |
| Cash dividends to net income (ytd only)* | 55.8843% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 501 |
| Loan loss allowance to noncurrent loans | 195.9811% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 3,706 |
| Noncurrent loans to loans | 1.0940% | 1,907 |
| Net loans and leases to total assets | 28.9893% | 5,660 |
| Net loans and leases to deposits | 32.5788% | 5,706 |
| Net loans and leases to core deposits | 35.0803% | 5,695 |
| Total domestic deposits to total assets | 88.9821% | 1,132 |
| Equity capital to assets | 10.8700% | 2,741 |
| Core capital (leverage) ratio | 10.9710% | 2,369 |
| Tier 1 risk-based capital ratio | 27.9608% | 566 |
| Total risk-based capital ratio | 29.2159% | 558 |
| Memoranda: | ||
| Average total assets | $130,977,800 | 3,814 |
| Average earning assets | $115,428,800 | 3,904 |
| Average equity | $14,934,000 | 3,815 |
| Average total loans | $38,528,600 | 4,927 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2353% | 5,311 |
| Cost of funding earning assets | 0.4917% | 2,154 |
| Net interest margin | 2.7435% | 5,442 |
| Noninterest income to average assets | 0.2655% | 4,875 |
| Noninterest expense to average assets | 1.5449% | 5,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1198% | 1,917 |
| Return on assets (ROA) | 1.1198% | 2,025 |
| Pretax return on assets | 1.1208% | 3,146 |
| Return on Equity (ROE) | 9.7084% | 2,185 |
| Retained earnings to average equity (ytd only) | 4.8586% | 2,924 |
| Net charge-offs to loans | -0.0173% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9550% | 4,821 |
| Assets per employee ($millions) | 5.5107% | 1,840 |
| Cash dividends to net income (ytd only)* | 49.9550% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1105% | 595 |
| Loan loss allowance to noncurrent loans | 157.1970% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 3,284 |
| Noncurrent loans to loans | 1.3426% | 1,642 |
| Net loans and leases to total assets | 30.3733% | 5,707 |
| Net loans and leases to deposits | 34.7977% | 5,745 |
| Net loans and leases to core deposits | 36.9311% | 5,740 |
| Total domestic deposits to total assets | 87.2856% | 1,765 |
| Equity capital to assets | 12.3901% | 1,843 |
| Core capital (leverage) ratio | 10.9810% | 2,467 |
| Tier 1 risk-based capital ratio | 27.9445% | 585 |
| Total risk-based capital ratio | 29.1997% | 574 |
| Memoranda: | ||
| Average total assets | $131,091,250 | 3,831 |
| Average earning assets | $114,691,250 | 3,937 |
| Average equity | $15,120,500 | 3,822 |
| Average total loans | $38,494,000 | 4,977 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2511% | 5,364 |
| Cost of funding earning assets | 0.5012% | 2,095 |
| Net interest margin | 2.7498% | 5,505 |
| Noninterest income to average assets | 0.2022% | 5,285 |
| Noninterest expense to average assets | 1.4863% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0819% | 2,029 |
| Return on assets (ROA) | 1.0819% | 2,163 |
| Pretax return on assets | 1.0834% | 3,266 |
| Return on Equity (ROE) | 9.6074% | 2,225 |
| Retained earnings to average equity (ytd only) | 4.2476% | 3,207 |
| Net charge-offs to loans | 0.0105% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 359.0000% | 194 |
| Efficiency ratio | 57.8391% | 4,924 |
| Assets per employee ($millions) | 6.1629% | 1,292 |
| Cash dividends to net income (ytd only)* | 55.7880% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 615 |
| Loan loss allowance to noncurrent loans | 191.8415% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,741 |
| Noncurrent loans to loans | 1.1007% | 2,087 |
| Net loans and leases to total assets | 28.1400% | 5,819 |
| Net loans and leases to deposits | 31.8978% | 5,853 |
| Net loans and leases to core deposits | 34.1154% | 5,844 |
| Total domestic deposits to total assets | 88.2190% | 1,306 |
| Equity capital to assets | 11.5228% | 2,524 |
| Core capital (leverage) ratio | 10.2346% | 3,289 |
| Tier 1 risk-based capital ratio | 26.4419% | 695 |
| Total risk-based capital ratio | 27.6964% | 675 |
| Memoranda: | ||
| Average total assets | $132,539,670 | 3,838 |
| Average earning assets | $114,115,670 | 3,976 |
| Average equity | $14,926,000 | 3,871 |
| Average total loans | $38,216,330 | 5,030 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 5,275 |
| Cost of funding earning assets | 0.5224% | 1,924 |
| Net interest margin | 2.8002% | 5,465 |
| Noninterest income to average assets | 0.2259% | 5,125 |
| Noninterest expense to average assets | 1.5570% | 5,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0716% | 2,010 |
| Return on assets (ROA) | 1.0716% | 2,124 |
| Pretax return on assets | 1.0747% | 3,184 |
| Return on Equity (ROE) | 9.6313% | 2,145 |
| Retained earnings to average equity (ytd only) | 2.7714% | 4,132 |
| Net charge-offs to loans | 0.0211% | 2,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 344 |
| Efficiency ratio | 59.1647% | 4,854 |
| Assets per employee ($millions) | 5.8946% | 1,489 |
| Cash dividends to net income (ytd only)* | 71.2251% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2080% | 583 |
| Loan loss allowance to noncurrent loans | 239.9417% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,974 |
| Noncurrent loans to loans | 0.9202% | 2,551 |
| Net loans and leases to total assets | 28.1074% | 5,871 |
| Net loans and leases to deposits | 31.8224% | 5,904 |
| Net loans and leases to core deposits | 33.5487% | 5,900 |
| Total domestic deposits to total assets | 88.3260% | 1,450 |
| Equity capital to assets | 11.4373% | 2,498 |
| Core capital (leverage) ratio | 10.6540% | 2,792 |
| Tier 1 risk-based capital ratio | 26.3829% | 710 |
| Total risk-based capital ratio | 27.6370% | 695 |
| Memoranda: | ||
| Average total assets | $131,018,000 | 3,896 |
| Average earning assets | $112,563,500 | 4,028 |
| Average equity | $14,577,500 | 3,919 |
| Average total loans | $37,836,500 | 5,083 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3029% | 5,345 |
| Cost of funding earning assets | 0.6034% | 1,339 |
| Net interest margin | 2.6995% | 5,645 |
| Noninterest income to average assets | 0.4011% | 4,028 |
| Noninterest expense to average assets | 1.6082% | 5,911 |
| Loan and lease loss provision to assets | 0.1857% | 1,204 |
| Net operating income to assets | 0.9738% | 2,497 |
| Return on assets (ROA) | 0.9746% | 2,571 |
| Pretax return on assets | 0.9746% | 3,562 |
| Return on Equity (ROE) | 8.8026% | 2,560 |
| Retained earnings to average equity (ytd only) | 4.9968% | 2,420 |
| Net charge-offs to loans | 0.8135% | 272 |
| Credit loss provision to net charge-offs | 74.6082% | 3,049 |
| Earnings coverage of net charge-offs (x) | 4.6583% | 3,510 |
| Efficiency ratio | 58.1054% | 5,130 |
| Assets per employee ($millions) | 5.7546% | 1,576 |
| Cash dividends to net income (ytd only)* | 43.2346% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1484% | 641 |
| Loan loss allowance to noncurrent loans | 310.1504% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 2,588 |
| Noncurrent loans to loans | 0.6927% | 3,118 |
| Net loans and leases to total assets | 28.3896% | 5,936 |
| Net loans and leases to deposits | 31.8989% | 5,970 |
| Net loans and leases to core deposits | 34.6400% | 5,951 |
| Total domestic deposits to total assets | 88.9985% | 1,116 |
| Equity capital to assets | 10.8217% | 3,002 |
| Core capital (leverage) ratio | 10.2013% | 3,262 |
| Tier 1 risk-based capital ratio | 26.1158% | 735 |
| Total risk-based capital ratio | 27.3701% | 711 |
| Memoranda: | ||
| Average total assets | $128,157,000 | 3,926 |
| Average earning assets | $112,356,200 | 4,031 |
| Average equity | $14,189,000 | 3,943 |
| Average total loans | $39,213,600 | 5,045 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3131% | 5,382 |
| Cost of funding earning assets | 0.6205% | 1,272 |
| Net interest margin | 2.6925% | 5,733 |
| Noninterest income to average assets | 0.3902% | 4,154 |
| Noninterest expense to average assets | 1.6175% | 5,973 |
| Loan and lease loss provision to assets | 0.1699% | 1,243 |
| Net operating income to assets | 0.9787% | 2,581 |
| Return on assets (ROA) | 0.9787% | 2,659 |
| Pretax return on assets | 0.9787% | 3,699 |
| Return on Equity (ROE) | 8.7879% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.7628% | 1,803 |
| Net charge-offs to loans | 0.8220% | 246 |
| Credit loss provision to net charge-offs | 66.6667% | 2,822 |
| Earnings coverage of net charge-offs (x) | 4.5062% | 3,338 |
| Efficiency ratio | 58.4755% | 5,064 |
| Assets per employee ($millions) | 5.8567% | 1,468 |
| Cash dividends to net income (ytd only)* | 23.0440% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 822 |
| Loan loss allowance to noncurrent loans | 80.0194% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1393% | 2,091 |
| Noncurrent loans to loans | 2.5875% | 770 |
| Net loans and leases to total assets | 30.2845% | 5,963 |
| Net loans and leases to deposits | 34.3138% | 6,012 |
| Net loans and leases to core deposits | 37.2882% | 5,989 |
| Total domestic deposits to total assets | 88.2575% | 1,422 |
| Equity capital to assets | 11.3552% | 2,640 |
| Core capital (leverage) ratio | 10.5429% | 2,999 |
| Tier 1 risk-based capital ratio | 25.8296% | 786 |
| Total risk-based capital ratio | 27.0844% | 766 |
| Memoranda: | ||
| Average total assets | $127,107,500 | 3,993 |
| Average earning assets | $112,158,500 | 4,081 |
| Average equity | $14,155,500 | 3,991 |
| Average total loans | $39,417,000 | 5,090 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 5,417 |
| Cost of funding earning assets | 0.6412% | 1,156 |
| Net interest margin | 2.6708% | 5,800 |
| Noninterest income to average assets | 0.3161% | 4,692 |
| Noninterest expense to average assets | 1.5823% | 6,059 |
| Loan and lease loss provision to assets | 0.1296% | 1,709 |
| Net operating income to assets | 0.9547% | 2,608 |
| Return on assets (ROA) | 0.9547% | 2,723 |
| Pretax return on assets | 0.9547% | 3,752 |
| Return on Equity (ROE) | 8.6304% | 2,731 |
| Retained earnings to average equity (ytd only) | 5.5583% | 2,502 |
| Net charge-offs to loans | 0.8301% | 251 |
| Credit loss provision to net charge-offs | 50.3067% | 2,699 |
| Earnings coverage of net charge-offs (x) | 4.2086% | 3,076 |
| Efficiency ratio | 59.3361% | 5,071 |
| Assets per employee ($millions) | 6.2243% | 1,200 |
| Cash dividends to net income (ytd only)* | 35.5960% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 844 |
| Loan loss allowance to noncurrent loans | 72.7513% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.2753% | 1,975 |
| Noncurrent loans to loans | 2.9008% | 700 |
| Net loans and leases to total assets | 29.2768% | 6,061 |
| Net loans and leases to deposits | 32.8935% | 6,108 |
| Net loans and leases to core deposits | 35.8620% | 6,066 |
| Total domestic deposits to total assets | 89.0048% | 1,140 |
| Equity capital to assets | 10.6632% | 3,256 |
| Core capital (leverage) ratio | 10.3272% | 3,182 |
| Tier 1 risk-based capital ratio | 25.1629% | 848 |
| Total risk-based capital ratio | 26.4171% | 832 |
| Memoranda: | ||
| Average total assets | $126,527,330 | 4,031 |
| Average earning assets | $111,350,670 | 4,127 |
| Average equity | $13,997,000 | 4,042 |
| Average total loans | $39,274,000 | 5,135 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,201 |
| Cost of funding earning assets | 0.6649% | 1,022 |
| Net interest margin | 2.7349% | 5,759 |
| Noninterest income to average assets | 0.4404% | 3,692 |
| Noninterest expense to average assets | 1.5430% | 6,149 |
| Loan and lease loss provision to assets | 0.0321% | 3,245 |
| Net operating income to assets | 1.3115% | 1,232 |
| Return on assets (ROA) | 1.3115% | 1,320 |
| Pretax return on assets | 1.3115% | 2,231 |
| Return on Equity (ROE) | 11.6351% | 1,443 |
| Retained earnings to average equity (ytd only) | 5.5039% | 2,775 |
| Net charge-offs to loans | 0.0406% | 2,414 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 104.5000% | 480 |
| Efficiency ratio | 53.4521% | 5,721 |
| Assets per employee ($millions) | 6.4482% | 1,104 |
| Cash dividends to net income (ytd only)* | 52.6961% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 659 |
| Loan loss allowance to noncurrent loans | 96.7126% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.2496% | 2,138 |
| Noncurrent loans to loans | 2.4352% | 1,003 |
| Net loans and leases to total assets | 30.8629% | 6,038 |
| Net loans and leases to deposits | 35.0839% | 6,090 |
| Net loans and leases to core deposits | 38.5286% | 6,024 |
| Total domestic deposits to total assets | 87.9689% | 1,844 |
| Equity capital to assets | 11.7209% | 2,268 |
| Core capital (leverage) ratio | 10.7656% | 2,667 |
| Tier 1 risk-based capital ratio | 25.8415% | 803 |
| Total risk-based capital ratio | 27.0978% | 783 |
| Memoranda: | ||
| Average total assets | $124,435,500 | 4,093 |
| Average earning assets | $111,303,000 | 4,157 |
| Average equity | $14,026,500 | 4,071 |
| Average total loans | $39,364,500 | 5,160 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 5,455 |
| Cost of funding earning assets | 0.7259% | 975 |
| Net interest margin | 2.7103% | 5,923 |
| Noninterest income to average assets | 0.4584% | 3,787 |
| Noninterest expense to average assets | 1.6361% | 6,211 |
| Loan and lease loss provision to assets | 0.3706% | 503 |
| Net operating income to assets | 0.8778% | 2,987 |
| Return on assets (ROA) | 0.9298% | 2,818 |
| Pretax return on assets | 0.9314% | 3,775 |
| Return on Equity (ROE) | 8.9885% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.9885% | 706 |
| Net charge-offs to loans | 1.6451% | 141 |
| Credit loss provision to net charge-offs | 70.5882% | 3,061 |
| Earnings coverage of net charge-offs (x) | 2.3808% | 4,166 |
| Efficiency ratio | 56.6883% | 5,599 |
| Assets per employee ($millions) | 6.0169% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2647% | 757 |
| Loan loss allowance to noncurrent loans | 82.1396% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 2,098 |
| Noncurrent loans to loans | 2.7572% | 870 |
| Net loans and leases to total assets | 30.9438% | 6,149 |
| Net loans and leases to deposits | 34.7995% | 6,200 |
| Net loans and leases to core deposits | 38.4352% | 6,138 |
| Total domestic deposits to total assets | 88.9201% | 1,279 |
| Equity capital to assets | 10.8369% | 3,074 |
| Core capital (leverage) ratio | 10.1244% | 3,402 |
| Tier 1 risk-based capital ratio | 24.4886% | 891 |
| Total risk-based capital ratio | 25.7438% | 873 |
| Memoranda: | ||
| Average total assets | $123,037,800 | 4,121 |
| Average earning assets | $110,208,200 | 4,180 |
| Average equity | $12,727,400 | 4,238 |
| Average total loans | $39,268,200 | 5,214 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 5,492 |
| Cost of funding earning assets | 0.7324% | 979 |
| Net interest margin | 2.7202% | 5,980 |
| Noninterest income to average assets | 0.4353% | 3,986 |
| Noninterest expense to average assets | 1.6398% | 6,258 |
| Loan and lease loss provision to assets | 0.2793% | 735 |
| Net operating income to assets | 0.9535% | 2,668 |
| Return on assets (ROA) | 1.0234% | 2,408 |
| Pretax return on assets | 1.0256% | 3,493 |
| Return on Equity (ROE) | 10.0163% | 2,214 |
| Retained earnings to average equity (ytd only) | 10.0163% | 706 |
| Net charge-offs to loans | 0.8460% | 388 |
| Credit loss provision to net charge-offs | 103.2258% | 2,139 |
| Earnings coverage of net charge-offs (x) | 4.5645% | 3,425 |
| Efficiency ratio | 57.0398% | 5,551 |
| Assets per employee ($millions) | 6.1714% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7544% | 462 |
| Loan loss allowance to noncurrent loans | 107.1845% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 2,074 |
| Noncurrent loans to loans | 2.5698% | 1,127 |
| Net loans and leases to total assets | 31.5790% | 6,200 |
| Net loans and leases to deposits | 35.5383% | 6,257 |
| Net loans and leases to core deposits | 39.3902% | 6,191 |
| Total domestic deposits to total assets | 88.8590% | 1,328 |
| Equity capital to assets | 10.6225% | 3,406 |
| Core capital (leverage) ratio | 10.3399% | 3,232 |
| Tier 1 risk-based capital ratio | 24.7646% | 899 |
| Total risk-based capital ratio | 26.0254% | 887 |
| Memoranda: | ||
| Average total assets | $122,208,500 | 4,175 |
| Average earning assets | $109,595,500 | 4,227 |
| Average equity | $12,486,000 | 4,304 |
| Average total loans | $39,084,000 | 5,270 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4830% | 5,445 |
| Cost of funding earning assets | 0.7404% | 965 |
| Net interest margin | 2.7426% | 6,001 |
| Noninterest income to average assets | 0.3366% | 4,732 |
| Noninterest expense to average assets | 1.6765% | 6,293 |
| Loan and lease loss provision to assets | 0.4204% | 394 |
| Net operating income to assets | 0.6809% | 3,936 |
| Return on assets (ROA) | 0.6256% | 4,315 |
| Pretax return on assets | 0.6289% | 4,851 |
| Return on Equity (ROE) | 6.2064% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.2064% | 2,211 |
| Net charge-offs to loans | 1.3109% | 230 |
| Credit loss provision to net charge-offs | 100.7874% | 1,970 |
| Earnings coverage of net charge-offs (x) | 2.6496% | 3,501 |
| Efficiency ratio | 60.2715% | 5,256 |
| Assets per employee ($millions) | 6.3233% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9194% | 420 |
| Loan loss allowance to noncurrent loans | 465.2542% | 993 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 2,880 |
| Noncurrent loans to loans | 0.6275% | 4,142 |
| Net loans and leases to total assets | 28.8718% | 6,337 |
| Net loans and leases to deposits | 32.2690% | 6,378 |
| Net loans and leases to core deposits | 35.2170% | 6,348 |
| Total domestic deposits to total assets | 89.4723% | 1,105 |
| Equity capital to assets | 10.0912% | 3,984 |
| Core capital (leverage) ratio | 9.7574% | 3,951 |
| Tier 1 risk-based capital ratio | 23.4256% | 1,056 |
| Total risk-based capital ratio | 24.6859% | 1,041 |
| Memoranda: | ||
| Average total assets | $121,802,330 | 4,199 |
| Average earning assets | $108,583,670 | 4,275 |
| Average equity | $12,277,670 | 4,344 |
| Average total loans | $38,751,670 | 5,320 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 5,392 |
| Cost of funding earning assets | 0.7482% | 979 |
| Net interest margin | 2.7633% | 6,010 |
| Noninterest income to average assets | 0.4955% | 3,444 |
| Noninterest expense to average assets | 1.6071% | 6,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3785% | 1,039 |
| Return on assets (ROA) | 1.2924% | 1,285 |
| Pretax return on assets | 1.2991% | 2,097 |
| Return on Equity (ROE) | 12.8287% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.8287% | 507 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6913% | 6,039 |
| Assets per employee ($millions) | 5.9125% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8080% | 534 |
| Loan loss allowance to noncurrent loans | 315.8501% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 3,061 |
| Noncurrent loans to loans | 0.8890% | 3,656 |
| Net loans and leases to total assets | 32.0815% | 6,264 |
| Net loans and leases to deposits | 35.9648% | 6,320 |
| Net loans and leases to core deposits | 39.7194% | 6,247 |
| Total domestic deposits to total assets | 89.2024% | 1,530 |
| Equity capital to assets | 10.3942% | 3,349 |
| Core capital (leverage) ratio | 10.3288% | 3,143 |
| Tier 1 risk-based capital ratio | 23.8299% | 1,027 |
| Total risk-based capital ratio | 25.0899% | 1,005 |
| Memoranda: | ||
| Average total assets | $119,470,500 | 4,290 |
| Average earning assets | $107,987,500 | 4,316 |
| Average equity | $12,035,500 | 4,413 |
| Average total loans | $39,322,000 | 5,347 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 5,364 |
| Cost of funding earning assets | 0.8398% | 995 |
| Net interest margin | 2.7780% | 6,017 |
| Noninterest income to average assets | 0.4776% | 3,909 |
| Noninterest expense to average assets | 1.7515% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1606% | 1,719 |
| Return on assets (ROA) | 0.9617% | 2,572 |
| Pretax return on assets | 0.9617% | 3,506 |
| Return on Equity (ROE) | 9.5965% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.5965% | 648 |
| Net charge-offs to loans | -0.1150% | 6,508 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1455% | 5,447 |
| Assets per employee ($millions) | 5.4860% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7668% | 627 |
| Loan loss allowance to noncurrent loans | 309.6045% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 3,372 |
| Noncurrent loans to loans | 0.8937% | 3,755 |
| Net loans and leases to total assets | 31.9126% | 6,389 |
| Net loans and leases to deposits | 35.4944% | 6,445 |
| Net loans and leases to core deposits | 39.0942% | 6,392 |
| Total domestic deposits to total assets | 89.9090% | 1,124 |
| Equity capital to assets | 9.7604% | 4,086 |
| Core capital (leverage) ratio | 9.7284% | 3,948 |
| Tier 1 risk-based capital ratio | 23.5491% | 1,012 |
| Total risk-based capital ratio | 24.8088% | 994 |
| Memoranda: | ||
| Average total assets | $122,694,000 | 4,220 |
| Average earning assets | $107,524,000 | 4,325 |
| Average equity | $12,296,200 | 4,395 |
| Average total loans | $39,127,000 | 5,386 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6278% | 5,366 |
| Cost of funding earning assets | 0.8532% | 1,032 |
| Net interest margin | 2.7747% | 6,055 |
| Noninterest income to average assets | 0.5097% | 3,737 |
| Noninterest expense to average assets | 1.7836% | 6,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1385% | 1,857 |
| Return on assets (ROA) | 0.9188% | 2,844 |
| Pretax return on assets | 0.9210% | 3,790 |
| Return on Equity (ROE) | 9.1102% | 2,586 |
| Retained earnings to average equity (ytd only) | 9.1102% | 1,027 |
| Net charge-offs to loans | -0.1538% | 6,597 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9919% | 5,286 |
| Assets per employee ($millions) | 5.5524% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8202% | 662 |
| Loan loss allowance to noncurrent loans | 180.2632% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 1.0233% | 3,597 |
| Noncurrent loans to loans | 1.5645% | 2,813 |
| Net loans and leases to total assets | 30.9180% | 6,497 |
| Net loans and leases to deposits | 34.4926% | 6,553 |
| Net loans and leases to core deposits | 38.2788% | 6,492 |
| Total domestic deposits to total assets | 89.6367% | 1,204 |
| Equity capital to assets | 9.7362% | 4,256 |
| Core capital (leverage) ratio | 9.4773% | 4,443 |
| Tier 1 risk-based capital ratio | 23.0688% | 1,131 |
| Total risk-based capital ratio | 24.3289% | 1,119 |
| Memoranda: | ||
| Average total assets | $123,194,500 | 4,243 |
| Average earning assets | $107,205,750 | 4,375 |
| Average equity | $12,425,250 | 4,412 |
| Average total loans | $39,005,750 | 5,442 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 5,439 |
| Cost of funding earning assets | 0.8621% | 1,078 |
| Net interest margin | 2.7361% | 6,123 |
| Noninterest income to average assets | 0.5731% | 3,361 |
| Noninterest expense to average assets | 1.7970% | 6,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1365% | 1,785 |
| Return on assets (ROA) | 0.9033% | 2,922 |
| Pretax return on assets | 0.9066% | 3,880 |
| Return on Equity (ROE) | 8.8553% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.8553% | 1,173 |
| Net charge-offs to loans | -0.2305% | 6,699 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1907% | 5,296 |
| Assets per employee ($millions) | 5.6053% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8027% | 705 |
| Loan loss allowance to noncurrent loans | 179.6721% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 3,773 |
| Noncurrent loans to loans | 1.5599% | 2,967 |
| Net loans and leases to total assets | 29.4824% | 6,593 |
| Net loans and leases to deposits | 32.6305% | 6,646 |
| Net loans and leases to core deposits | 36.1457% | 6,601 |
| Total domestic deposits to total assets | 90.3522% | 827 |
| Equity capital to assets | 9.1064% | 5,096 |
| Core capital (leverage) ratio | 8.9897% | 5,008 |
| Tier 1 risk-based capital ratio | 21.6821% | 1,355 |
| Total risk-based capital ratio | 22.9425% | 1,324 |
| Memoranda: | ||
| Average total assets | $123,542,000 | 4,264 |
| Average earning assets | $106,721,670 | 4,418 |
| Average equity | $12,602,670 | 4,406 |
| Average total loans | $39,053,330 | 5,466 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 5,373 |
| Cost of funding earning assets | 0.8710% | 1,139 |
| Net interest margin | 2.7557% | 6,119 |
| Noninterest income to average assets | 0.3608% | 4,781 |
| Noninterest expense to average assets | 1.8502% | 6,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9297% | 2,526 |
| Return on assets (ROA) | 0.5627% | 4,553 |
| Pretax return on assets | 0.5693% | 5,053 |
| Return on Equity (ROE) | 5.2171% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.2171% | 3,103 |
| Net charge-offs to loans | -0.4100% | 6,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3108% | 4,614 |
| Assets per employee ($millions) | 5.4776% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7963% | 823 |
| Loan loss allowance to noncurrent loans | 164.3072% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.5509% | 2,939 |
| Noncurrent loans to loans | 1.7019% | 2,992 |
| Net loans and leases to total assets | 31.4712% | 6,541 |
| Net loans and leases to deposits | 35.4837% | 6,591 |
| Net loans and leases to core deposits | 39.8984% | 6,486 |
| Total domestic deposits to total assets | 88.6919% | 1,878 |
| Equity capital to assets | 10.8450% | 3,151 |
| Core capital (leverage) ratio | 9.3520% | 4,320 |
| Tier 1 risk-based capital ratio | 21.7997% | 1,374 |
| Total risk-based capital ratio | 23.0603% | 1,342 |
| Memoranda: | ||
| Average total assets | $120,852,500 | 4,380 |
| Average earning assets | $106,544,500 | 4,460 |
| Average equity | $13,034,000 | 4,377 |
| Average total loans | $39,027,500 | 5,503 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 5,610 |
| Cost of funding earning assets | 1.0417% | 1,159 |
| Net interest margin | 2.8459% | 6,322 |
| Noninterest income to average assets | 0.4502% | 4,239 |
| Noninterest expense to average assets | 1.8284% | 6,588 |
| Loan and lease loss provision to assets | 0.1900% | 3,264 |
| Net operating income to assets | 0.9955% | 2,354 |
| Return on assets (ROA) | 0.9570% | 2,763 |
| Pretax return on assets | 0.9587% | 3,708 |
| Return on Equity (ROE) | 9.0807% | 2,606 |
| Retained earnings to average equity (ytd only) | 9.0807% | 799 |
| Net charge-offs to loans | 1.0783% | 986 |
| Credit loss provision to net charge-offs | 51.2702% | 4,670 |
| Earnings coverage of net charge-offs (x) | 3.2032% | 3,830 |
| Efficiency ratio | 60.6301% | 5,442 |
| Assets per employee ($millions) | 5.7713% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6922% | 930 |
| Loan loss allowance to noncurrent loans | 145.1657% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 2,976 |
| Noncurrent loans to loans | 1.8546% | 2,854 |
| Net loans and leases to total assets | 31.3438% | 6,650 |
| Net loans and leases to deposits | 35.2567% | 6,704 |
| Net loans and leases to core deposits | 37.4657% | 6,692 |
| Total domestic deposits to total assets | 88.9016% | 1,638 |
| Equity capital to assets | 10.7254% | 3,248 |
| Core capital (leverage) ratio | 9.0071% | 4,888 |
| Tier 1 risk-based capital ratio | 20.9746% | 1,466 |
| Total risk-based capital ratio | 22.2344% | 1,438 |
| Memoranda: | ||
| Average total assets | $116,825,400 | 4,424 |
| Average earning assets | $105,311,000 | 4,464 |
| Average equity | $12,311,800 | 4,500 |
| Average total loans | $40,154,600 | 5,497 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 5,734 |
| Cost of funding earning assets | 1.0732% | 1,180 |
| Net interest margin | 2.8485% | 6,438 |
| Noninterest income to average assets | 0.4435% | 4,340 |
| Noninterest expense to average assets | 1.8214% | 6,653 |
| Loan and lease loss provision to assets | 0.2177% | 2,885 |
| Net operating income to assets | 0.9919% | 2,549 |
| Return on assets (ROA) | 0.9919% | 2,777 |
| Pretax return on assets | 0.9942% | 3,737 |
| Return on Equity (ROE) | 9.4561% | 2,614 |
| Retained earnings to average equity (ytd only) | 9.4561% | 1,077 |
| Net charge-offs to loans | 1.3619% | 674 |
| Credit loss provision to net charge-offs | 45.7627% | 4,497 |
| Earnings coverage of net charge-offs (x) | 2.5472% | 4,023 |
| Efficiency ratio | 60.0456% | 5,491 |
| Assets per employee ($millions) | 5.3777% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5360% | 1,167 |
| Loan loss allowance to noncurrent loans | 97.0093% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.8815% | 2,812 |
| Noncurrent loans to loans | 2.6142% | 2,181 |
| Net loans and leases to total assets | 33.7190% | 6,670 |
| Net loans and leases to deposits | 38.1835% | 6,748 |
| Net loans and leases to core deposits | 40.5511% | 6,721 |
| Total domestic deposits to total assets | 88.3078% | 1,844 |
| Equity capital to assets | 10.9585% | 3,319 |
| Core capital (leverage) ratio | 9.2288% | 4,706 |
| Tier 1 risk-based capital ratio | 20.1741% | 1,713 |
| Total risk-based capital ratio | 21.4331% | 1,682 |
| Memoranda: | ||
| Average total assets | $115,732,250 | 4,489 |
| Average earning assets | $105,223,750 | 4,507 |
| Average equity | $12,140,000 | 4,578 |
| Average total loans | $40,433,500 | 5,555 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 5,762 |
| Cost of funding earning assets | 1.1191% | 1,132 |
| Net interest margin | 2.8399% | 6,515 |
| Noninterest income to average assets | 0.4074% | 4,593 |
| Noninterest expense to average assets | 1.8333% | 6,715 |
| Loan and lease loss provision to assets | 0.1497% | 3,650 |
| Net operating income to assets | 1.0011% | 2,462 |
| Return on assets (ROA) | 1.0011% | 2,677 |
| Pretax return on assets | 1.0046% | 3,693 |
| Return on Equity (ROE) | 9.6924% | 2,487 |
| Retained earnings to average equity (ytd only) | 9.6924% | 1,061 |
| Net charge-offs to loans | 1.5645% | 614 |
| Credit loss provision to net charge-offs | 27.3016% | 4,478 |
| Earnings coverage of net charge-offs (x) | 2.1048% | 3,934 |
| Efficiency ratio | 61.3636% | 5,356 |
| Assets per employee ($millions) | 5.0952% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5828% | 1,172 |
| Loan loss allowance to noncurrent loans | 58.0337% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.5779% | 2,158 |
| Noncurrent loans to loans | 4.4506% | 1,198 |
| Net loans and leases to total assets | 33.2471% | 6,759 |
| Net loans and leases to deposits | 37.4739% | 6,824 |
| Net loans and leases to core deposits | 41.0083% | 6,775 |
| Total domestic deposits to total assets | 88.7208% | 1,691 |
| Equity capital to assets | 10.6187% | 3,547 |
| Core capital (leverage) ratio | 9.0765% | 4,796 |
| Tier 1 risk-based capital ratio | 19.7701% | 1,767 |
| Total risk-based capital ratio | 21.0280% | 1,735 |
| Memoranda: | ||
| Average total assets | $114,873,000 | 4,534 |
| Average earning assets | $104,369,670 | 4,555 |
| Average equity | $11,865,000 | 4,637 |
| Average total loans | $40,267,670 | 5,590 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 5,446 |
| Cost of funding earning assets | 1.1755% | 1,082 |
| Net interest margin | 2.9272% | 6,441 |
| Noninterest income to average assets | 0.5452% | 3,594 |
| Noninterest expense to average assets | 1.8151% | 6,780 |
| Loan and lease loss provision to assets | 0.2779% | 2,238 |
| Net operating income to assets | 1.1080% | 2,052 |
| Return on assets (ROA) | 1.1080% | 2,237 |
| Pretax return on assets | 1.1151% | 3,266 |
| Return on Equity (ROE) | 10.8851% | 2,065 |
| Retained earnings to average equity (ytd only) | 10.8851% | 1,058 |
| Net charge-offs to loans | 2.7027% | 291 |
| Credit loss provision to net charge-offs | 28.9377% | 3,642 |
| Earnings coverage of net charge-offs (x) | 1.4505% | 3,601 |
| Efficiency ratio | 56.5789% | 6,062 |
| Assets per employee ($millions) | 5.1185% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6822% | 1,137 |
| Loan loss allowance to noncurrent loans | 62.6026% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.3924% | 2,480 |
| Noncurrent loans to loans | 4.2845% | 1,397 |
| Net loans and leases to total assets | 34.4114% | 6,718 |
| Net loans and leases to deposits | 38.7028% | 6,798 |
| Net loans and leases to core deposits | 42.8973% | 6,707 |
| Total domestic deposits to total assets | 88.9120% | 1,753 |
| Equity capital to assets | 10.4859% | 3,506 |
| Core capital (leverage) ratio | 9.1010% | 4,683 |
| Tier 1 risk-based capital ratio | 19.4715% | 1,848 |
| Total risk-based capital ratio | 20.7304% | 1,814 |
| Memoranda: | ||
| Average total assets | $113,715,000 | 4,602 |
| Average earning assets | $103,443,500 | 4,620 |
| Average equity | $11,575,500 | 4,707 |
| Average total loans | $40,404,000 | 5,623 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 6,257 |
| Cost of funding earning assets | 1.3365% | 1,310 |
| Net interest margin | 2.7778% | 6,844 |
| Noninterest income to average assets | 0.5622% | 3,414 |
| Noninterest expense to average assets | 1.9619% | 6,743 |
| Loan and lease loss provision to assets | 0.5586% | 1,869 |
| Net operating income to assets | 0.5755% | 4,117 |
| Return on assets (ROA) | 0.5755% | 4,301 |
| Pretax return on assets | 0.5772% | 4,756 |
| Return on Equity (ROE) | 6.3382% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.6708% | 2,869 |
| Net charge-offs to loans | 0.9160% | 1,895 |
| Credit loss provision to net charge-offs | 164.7520% | 1,654 |
| Earnings coverage of net charge-offs (x) | 3.3499% | 3,547 |
| Efficiency ratio | 63.3324% | 5,243 |
| Assets per employee ($millions) | 5.2192% | 1,919 |
| Cash dividends to net income (ytd only)* | 26.3077% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0788% | 758 |
| Loan loss allowance to noncurrent loans | 69.9945% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 2.4438% | 2,493 |
| Noncurrent loans to loans | 4.3986% | 1,368 |
| Net loans and leases to total assets | 34.5996% | 6,842 |
| Net loans and leases to deposits | 38.6027% | 6,932 |
| Net loans and leases to core deposits | 42.4417% | 6,871 |
| Total domestic deposits to total assets | 89.6300% | 1,187 |
| Equity capital to assets | 9.8788% | 4,329 |
| Core capital (leverage) ratio | 8.5542% | 5,475 |
| Tier 1 risk-based capital ratio | 18.4021% | 2,077 |
| Total risk-based capital ratio | 19.6661% | 2,037 |
| Memoranda: | ||
| Average total assets | $112,951,200 | 4,573 |
| Average earning assets | $103,104,800 | 4,559 |
| Average equity | $10,255,200 | 4,955 |
| Average total loans | $41,811,800 | 5,603 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 6,403 |
| Cost of funding earning assets | 1.3730% | 1,356 |
| Net interest margin | 2.7317% | 6,962 |
| Noninterest income to average assets | 0.6484% | 2,890 |
| Noninterest expense to average assets | 1.9795% | 6,731 |
| Loan and lease loss provision to assets | 0.6590% | 1,474 |
| Net operating income to assets | 0.5026% | 4,538 |
| Return on assets (ROA) | 0.5026% | 4,722 |
| Pretax return on assets | 0.5050% | 5,144 |
| Return on Equity (ROE) | 5.6627% | 4,198 |
| Retained earnings to average equity (ytd only) | 3.3789% | 4,326 |
| Net charge-offs to loans | 1.0186% | 1,576 |
| Credit loss provision to net charge-offs | 173.2087% | 1,726 |
| Earnings coverage of net charge-offs (x) | 3.0592% | 3,609 |
| Efficiency ratio | 62.9713% | 5,243 |
| Assets per employee ($millions) | 5.0987% | 2,067 |
| Cash dividends to net income (ytd only)* | 40.3294% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0646% | 825 |
| Loan loss allowance to noncurrent loans | 43.7938% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 3.5624% | 1,764 |
| Noncurrent loans to loans | 6.9977% | 707 |
| Net loans and leases to total assets | 35.2200% | 6,901 |
| Net loans and leases to deposits | 39.5604% | 6,987 |
| Net loans and leases to core deposits | 43.9123% | 6,924 |
| Total domestic deposits to total assets | 89.0285% | 1,419 |
| Equity capital to assets | 10.0168% | 4,320 |
| Core capital (leverage) ratio | 8.7003% | 5,409 |
| Tier 1 risk-based capital ratio | 18.0697% | 2,226 |
| Total risk-based capital ratio | 19.3324% | 2,186 |
| Memoranda: | ||
| Average total assets | $112,483,500 | 4,611 |
| Average earning assets | $102,741,500 | 4,599 |
| Average equity | $9,983,250 | 5,034 |
| Average total loans | $42,017,250 | 5,648 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 6,530 |
| Cost of funding earning assets | 1.4016% | 1,415 |
| Net interest margin | 2.6793% | 7,050 |
| Noninterest income to average assets | 0.5862% | 3,219 |
| Noninterest expense to average assets | 2.0606% | 6,673 |
| Loan and lease loss provision to assets | 0.5933% | 1,632 |
| Net operating income to assets | 0.3873% | 5,011 |
| Return on assets (ROA) | 0.3873% | 5,147 |
| Pretax return on assets | 0.3908% | 5,417 |
| Return on Equity (ROE) | 4.5580% | 4,664 |
| Retained earnings to average equity (ytd only) | 0.9827% | 5,474 |
| Net charge-offs to loans | 1.4280% | 1,054 |
| Credit loss provision to net charge-offs | 110.2310% | 2,784 |
| Earnings coverage of net charge-offs (x) | 1.8284% | 3,951 |
| Efficiency ratio | 67.6779% | 4,578 |
| Assets per employee ($millions) | 5.2209% | 1,847 |
| Cash dividends to net income (ytd only)* | 78.4404% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5273% | 1,406 |
| Loan loss allowance to noncurrent loans | 54.8269% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 2.7564% | 2,428 |
| Noncurrent loans to loans | 4.6097% | 1,433 |
| Net loans and leases to total assets | 35.0888% | 7,010 |
| Net loans and leases to deposits | 38.8826% | 7,099 |
| Net loans and leases to core deposits | 43.3440% | 7,029 |
| Total domestic deposits to total assets | 90.2429% | 842 |
| Equity capital to assets | 8.9309% | 5,676 |
| Core capital (leverage) ratio | 8.2611% | 5,929 |
| Tier 1 risk-based capital ratio | 17.1151% | 2,473 |
| Total risk-based capital ratio | 18.3725% | 2,446 |
| Memoranda: | ||
| Average total assets | $112,587,330 | 4,639 |
| Average earning assets | $103,309,000 | 4,619 |
| Average equity | $9,565,670 | 5,168 |
| Average total loans | $42,437,670 | 5,687 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 6,609 |
| Cost of funding earning assets | 1.4448% | 1,408 |
| Net interest margin | 2.6023% | 7,123 |
| Noninterest income to average assets | 0.7322% | 2,380 |
| Noninterest expense to average assets | 2.0996% | 6,634 |
| Loan and lease loss provision to assets | 0.6281% | 1,374 |
| Net operating income to assets | 0.4020% | 4,938 |
| Return on assets (ROA) | 0.4020% | 5,024 |
| Pretax return on assets | 0.4091% | 5,313 |
| Return on Equity (ROE) | 4.8593% | 4,476 |
| Retained earnings to average equity (ytd only) | -2.5598% | 6,228 |
| Net charge-offs to loans | -0.0931% | 7,065 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9336% | 4,864 |
| Assets per employee ($millions) | 5.2085% | 1,886 |
| Cash dividends to net income (ytd only)* | 152.6786% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8464% | 1,064 |
| Loan loss allowance to noncurrent loans | 54.1798% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 3.2703% | 2,099 |
| Noncurrent loans to loans | 5.2535% | 1,261 |
| Net loans and leases to total assets | 37.4158% | 6,939 |
| Net loans and leases to deposits | 41.2430% | 7,053 |
| Net loans and leases to core deposits | 45.3996% | 6,995 |
| Total domestic deposits to total assets | 90.7203% | 755 |
| Equity capital to assets | 8.5382% | 5,852 |
| Core capital (leverage) ratio | 8.8134% | 4,905 |
| Tier 1 risk-based capital ratio | 16.8654% | 2,529 |
| Total risk-based capital ratio | 18.1257% | 2,491 |
| Memoranda: | ||
| Average total assets | $111,451,000 | 4,702 |
| Average earning assets | $102,986,500 | 4,660 |
| Average equity | $9,219,500 | 5,256 |
| Average total loans | $42,982,500 | 5,707 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 5,129 |
| Cost of funding earning assets | 1.6989% | 1,606 |
| Net interest margin | 3.1785% | 6,321 |
| Noninterest income to average assets | -0.3313% | 7,519 |
| Noninterest expense to average assets | 1.9640% | 7,077 |
| Loan and lease loss provision to assets | 0.3414% | 4,100 |
| Net operating income to assets | 0.2891% | 4,969 |
| Return on assets (ROA) | 0.5947% | 3,860 |
| Pretax return on assets | 0.5965% | 4,337 |
| Return on Equity (ROE) | 6.7731% | 3,225 |
| Retained earnings to average equity (ytd only) | 6.7731% | 1,419 |
| Net charge-offs to loans | 0.8563% | 2,493 |
| Credit loss provision to net charge-offs | 94.6565% | 4,908 |
| Earnings coverage of net charge-offs (x) | 1.7532% | 4,402 |
| Efficiency ratio | 75.6451% | 3,104 |
| Assets per employee ($millions) | 5.4059% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3129% | 1,672 |
| Loan loss allowance to noncurrent loans | 40.8706% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 2.9932% | 2,347 |
| Noncurrent loans to loans | 5.6591% | 1,147 |
| Net loans and leases to total assets | 37.7254% | 7,085 |
| Net loans and leases to deposits | 41.2886% | 7,213 |
| Net loans and leases to core deposits | 45.5040% | 7,157 |
| Total domestic deposits to total assets | 91.3700% | 436 |
| Equity capital to assets | 8.0160% | 6,483 |
| Core capital (leverage) ratio | 8.2212% | 5,799 |
| Tier 1 risk-based capital ratio | 16.0461% | 2,729 |
| Total risk-based capital ratio | 17.3018% | 2,684 |
| Memoranda: | ||
| Average total assets | $108,963,200 | 4,743 |
| Average earning assets | $100,362,000 | 4,717 |
| Average equity | $9,567,200 | 5,245 |
| Average total loans | $45,892,600 | 5,653 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 4,513 |
| Cost of funding earning assets | 1.7559% | 1,606 |
| Net interest margin | 3.3086% | 5,991 |
| Noninterest income to average assets | -0.3462% | 7,641 |
| Noninterest expense to average assets | 2.0020% | 7,045 |
| Loan and lease loss provision to assets | 0.3363% | 3,914 |
| Net operating income to assets | 0.3537% | 4,951 |
| Return on assets (ROA) | 0.7259% | 3,450 |
| Pretax return on assets | 0.7283% | 4,151 |
| Return on Equity (ROE) | 8.0819% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.0819% | 1,396 |
| Net charge-offs to loans | 0.9912% | 2,020 |
| Credit loss provision to net charge-offs | 78.8406% | 5,173 |
| Earnings coverage of net charge-offs (x) | 1.6232% | 4,501 |
| Efficiency ratio | 74.3001% | 3,265 |
| Assets per employee ($millions) | 5.2801% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 1,941 |
| Loan loss allowance to noncurrent loans | 36.1111% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 3.3062% | 2,154 |
| Noncurrent loans to loans | 5.8850% | 1,087 |
| Net loans and leases to total assets | 39.9574% | 7,076 |
| Net loans and leases to deposits | 44.6147% | 7,217 |
| Net loans and leases to core deposits | 48.8915% | 7,167 |
| Total domestic deposits to total assets | 89.5611% | 1,092 |
| Equity capital to assets | 9.3351% | 5,076 |
| Core capital (leverage) ratio | 8.5212% | 5,469 |
| Tier 1 risk-based capital ratio | 15.8835% | 2,821 |
| Total risk-based capital ratio | 17.1377% | 2,759 |
| Memoranda: | ||
| Average total assets | $107,823,250 | 4,841 |
| Average earning assets | $99,094,000 | 4,810 |
| Average equity | $9,684,000 | 5,291 |
| Average total loans | $46,405,500 | 5,713 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2748% | 3,586 |
| Cost of funding earning assets | 1.8100% | 1,606 |
| Net interest margin | 3.4648% | 5,388 |
| Noninterest income to average assets | -0.2865% | 7,712 |
| Noninterest expense to average assets | 2.0374% | 7,037 |
| Loan and lease loss provision to assets | 0.3109% | 3,894 |
| Net operating income to assets | 0.5374% | 4,159 |
| Return on assets (ROA) | 1.1011% | 1,922 |
| Pretax return on assets | 1.1048% | 2,771 |
| Return on Equity (ROE) | 12.4291% | 1,363 |
| Retained earnings to average equity (ytd only) | 12.4291% | 437 |
| Net charge-offs to loans | 1.0003% | 1,859 |
| Credit loss provision to net charge-offs | 70.9402% | 4,943 |
| Earnings coverage of net charge-offs (x) | 1.9444% | 4,061 |
| Efficiency ratio | 70.5120% | 4,087 |
| Assets per employee ($millions) | 5.2180% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0936% | 1,970 |
| Loan loss allowance to noncurrent loans | 45.6994% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 3.2524% | 2,165 |
| Noncurrent loans to loans | 4.5812% | 1,577 |
| Net loans and leases to total assets | 41.2689% | 7,079 |
| Net loans and leases to deposits | 45.9018% | 7,252 |
| Net loans and leases to core deposits | 50.1553% | 7,201 |
| Total domestic deposits to total assets | 89.9068% | 964 |
| Equity capital to assets | 9.0866% | 5,314 |
| Core capital (leverage) ratio | 8.5174% | 5,377 |
| Tier 1 risk-based capital ratio | 16.2164% | 2,586 |
| Total risk-based capital ratio | 17.4710% | 2,537 |
| Memoranda: | ||
| Average total assets | $106,803,330 | 4,893 |
| Average earning assets | $97,899,330 | 4,876 |
| Average equity | $9,461,670 | 5,352 |
| Average total loans | $46,784,670 | 5,728 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 3,144 |
| Cost of funding earning assets | 1.8772% | 1,545 |
| Net interest margin | 3.5021% | 5,148 |
| Noninterest income to average assets | 0.3757% | 5,134 |
| Noninterest expense to average assets | 2.0339% | 7,098 |
| Loan and lease loss provision to assets | 0.1897% | 4,599 |
| Net operating income to assets | 1.3584% | 1,171 |
| Return on assets (ROA) | 2.5006% | 163 |
| Pretax return on assets | 2.5082% | 249 |
| Return on Equity (ROE) | 28.6086% | 105 |
| Retained earnings to average equity (ytd only) | 28.6086% | 76 |
| Net charge-offs to loans | 0.0170% | 5,342 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 166 |
| Efficiency ratio | 56.6596% | 6,674 |
| Assets per employee ($millions) | 4.6873% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3327% | 1,526 |
| Loan loss allowance to noncurrent loans | 39.5978% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 4.1669% | 1,633 |
| Noncurrent loans to loans | 5.8911% | 1,130 |
| Net loans and leases to total assets | 43.9707% | 6,996 |
| Net loans and leases to deposits | 48.8868% | 7,188 |
| Net loans and leases to core deposits | 53.4239% | 7,137 |
| Total domestic deposits to total assets | 89.9439% | 1,017 |
| Equity capital to assets | 9.1252% | 5,098 |
| Core capital (leverage) ratio | 9.0172% | 4,534 |
| Tier 1 risk-based capital ratio | 16.4757% | 2,465 |
| Total risk-based capital ratio | 17.7340% | 2,408 |
| Memoranda: | ||
| Average total assets | $105,415,500 | 4,993 |
| Average earning assets | $96,741,500 | 4,964 |
| Average equity | $9,214,000 | 5,476 |
| Average total loans | $47,082,500 | 5,798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 3,572 |
| Cost of funding earning assets | 2.2210% | 1,938 |
| Net interest margin | 3.3849% | 5,428 |
| Noninterest income to average assets | -0.6731% | 7,964 |
| Noninterest expense to average assets | 1.9662% | 7,417 |
| Loan and lease loss provision to assets | 1.2074% | 1,905 |
| Net operating income to assets | -0.7485% | 6,400 |
| Return on assets (ROA) | -0.7066% | 6,365 |
| Pretax return on assets | -0.7047% | 6,195 |
| Return on Equity (ROE) | -7.5440% | 6,430 |
| Retained earnings to average equity (ytd only) | -13.8555% | 6,808 |
| Net charge-offs to loans | 2.1199% | 1,144 |
| Credit loss provision to net charge-offs | 123.5238% | 4,270 |
| Earnings coverage of net charge-offs (x) | 0.4714% | 5,641 |
| Efficiency ratio | 81.0127% | 2,748 |
| Assets per employee ($millions) | 4.8959% | 2,346 |
| Cash dividends to net income (ytd only)* | -83.6627% | 7,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1680% | 1,704 |
| Loan loss allowance to noncurrent loans | 38.8805% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 3.9393% | 1,679 |
| Noncurrent loans to loans | 5.5762% | 1,152 |
| Net loans and leases to total assets | 43.3609% | 7,154 |
| Net loans and leases to deposits | 47.7058% | 7,367 |
| Net loans and leases to core deposits | 60.4332% | 7,249 |
| Total domestic deposits to total assets | 90.8922% | 574 |
| Equity capital to assets | 8.3725% | 6,094 |
| Core capital (leverage) ratio | 7.9711% | 6,236 |
| Tier 1 risk-based capital ratio | 14.4892% | 3,214 |
| Total risk-based capital ratio | 15.7451% | 3,162 |
| Memoranda: | ||
| Average total assets | $107,417,200 | 4,893 |
| Average earning assets | $98,377,400 | 4,882 |
| Average equity | $10,061,000 | 5,284 |
| Average total loans | $49,531,600 | 5,695 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6126% | 3,790 |
| Cost of funding earning assets | 2.2684% | 2,115 |
| Net interest margin | 3.3442% | 5,469 |
| Noninterest income to average assets | -0.1416% | 7,947 |
| Noninterest expense to average assets | 1.9302% | 7,492 |
| Loan and lease loss provision to assets | 1.0520% | 1,833 |
| Net operating income to assets | -0.0646% | 5,832 |
| Return on assets (ROA) | -0.0087% | 5,786 |
| Pretax return on assets | -0.0062% | 5,718 |
| Return on Equity (ROE) | -0.0904% | 5,789 |
| Retained earnings to average equity (ytd only) | -8.2930% | 6,633 |
| Net charge-offs to loans | 2.1928% | 881 |
| Credit loss provision to net charge-offs | 103.0414% | 4,942 |
| Earnings coverage of net charge-offs (x) | 0.9696% | 5,091 |
| Efficiency ratio | 66.0995% | 5,344 |
| Assets per employee ($millions) | 4.8294% | 2,360 |
| Cash dividends to net income (ytd only)* | -9,074.4909% | 8,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 2,637 |
| Loan loss allowance to noncurrent loans | 38.6407% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 4.0369% | 1,577 |
| Noncurrent loans to loans | 4.3986% | 1,604 |
| Net loans and leases to total assets | 44.2558% | 7,230 |
| Net loans and leases to deposits | 49.7988% | 7,418 |
| Net loans and leases to core deposits | 63.9137% | 7,250 |
| Total domestic deposits to total assets | 88.8692% | 1,259 |
| Equity capital to assets | 9.8488% | 4,285 |
| Core capital (leverage) ratio | 8.8018% | 4,969 |
| Tier 1 risk-based capital ratio | 15.8575% | 2,683 |
| Total risk-based capital ratio | 17.1080% | 2,615 |
| Memoranda: | ||
| Average total assets | $107,344,000 | 4,924 |
| Average earning assets | $98,277,250 | 4,914 |
| Average equity | $10,321,750 | 5,253 |
| Average total loans | $49,979,750 | 5,723 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 4,393 |
| Cost of funding earning assets | 2.2828% | 2,438 |
| Net interest margin | 3.2560% | 5,712 |
| Noninterest income to average assets | 0.6406% | 3,415 |
| Noninterest expense to average assets | 1.8513% | 7,679 |
| Loan and lease loss provision to assets | 1.0213% | 1,657 |
| Net operating income to assets | 0.7650% | 2,990 |
| Return on assets (ROA) | 0.8486% | 2,762 |
| Pretax return on assets | 0.8523% | 3,500 |
| Return on Equity (ROE) | 8.8960% | 2,397 |
| Retained earnings to average equity (ytd only) | -3.4649% | 6,041 |
| Net charge-offs to loans | 2.0515% | 905 |
| Credit loss provision to net charge-offs | 105.7692% | 4,349 |
| Earnings coverage of net charge-offs (x) | 1.8538% | 4,180 |
| Efficiency ratio | 50.8414% | 7,607 |
| Assets per employee ($millions) | 5.0814% | 1,993 |
| Cash dividends to net income (ytd only)* | 138.9497% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 2,565 |
| Loan loss allowance to noncurrent loans | 23.7308% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 4.5129% | 1,238 |
| Noncurrent loans to loans | 6.9129% | 716 |
| Net loans and leases to total assets | 43.8724% | 7,337 |
| Net loans and leases to deposits | 48.9149% | 7,526 |
| Net loans and leases to core deposits | 61.8412% | 7,385 |
| Total domestic deposits to total assets | 89.6914% | 962 |
| Equity capital to assets | 9.1484% | 5,102 |
| Core capital (leverage) ratio | 8.9835% | 4,662 |
| Tier 1 risk-based capital ratio | 15.9940% | 2,631 |
| Total risk-based capital ratio | 17.2447% | 2,568 |
| Memoranda: | ||
| Average total assets | $107,710,000 | 4,949 |
| Average earning assets | $99,263,670 | 4,912 |
| Average equity | $10,274,330 | 5,286 |
| Average total loans | $50,695,330 | 5,740 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8231% | 3,181 |
| Cost of funding earning assets | 2.3096% | 2,655 |
| Net interest margin | 3.5135% | 4,674 |
| Noninterest income to average assets | 0.7041% | 2,866 |
| Noninterest expense to average assets | 1.9381% | 7,470 |
| Loan and lease loss provision to assets | 0.7192% | 1,784 |
| Net operating income to assets | 1.2880% | 1,412 |
| Return on assets (ROA) | 1.3854% | 1,262 |
| Pretax return on assets | 1.3930% | 1,989 |
| Return on Equity (ROE) | 14.2164% | 1,125 |
| Retained earnings to average equity (ytd only) | -10.4486% | 7,155 |
| Net charge-offs to loans | 1.2835% | 1,094 |
| Credit loss provision to net charge-offs | 115.8537% | 3,368 |
| Earnings coverage of net charge-offs (x) | 3.2439% | 3,235 |
| Efficiency ratio | 49.0421% | 7,664 |
| Assets per employee ($millions) | 4.8190% | 2,282 |
| Cash dividends to net income (ytd only)* | 173.4973% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 2,506 |
| Loan loss allowance to noncurrent loans | 23.6559% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 4.0993% | 1,241 |
| Noncurrent loans to loans | 6.7766% | 615 |
| Net loans and leases to total assets | 47.1274% | 7,091 |
| Net loans and leases to deposits | 52.7887% | 7,354 |
| Net loans and leases to core deposits | 68.6300% | 7,102 |
| Total domestic deposits to total assets | 89.2755% | 1,108 |
| Equity capital to assets | 9.6577% | 4,445 |
| Core capital (leverage) ratio | 9.5359% | 3,938 |
| Tier 1 risk-based capital ratio | 16.1324% | 2,642 |
| Total risk-based capital ratio | 17.3829% | 2,580 |
| Memoranda: | ||
| Average total assets | $105,670,000 | 5,013 |
| Average earning assets | $97,679,500 | 4,980 |
| Average equity | $10,298,000 | 5,301 |
| Average total loans | $51,111,500 | 5,752 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3059% | 3,934 |
| Cost of funding earning assets | 2.8547% | 2,462 |
| Net interest margin | 3.4511% | 5,464 |
| Noninterest income to average assets | 0.4248% | 5,264 |
| Noninterest expense to average assets | 2.0105% | 7,419 |
| Loan and lease loss provision to assets | 0.5122% | 2,761 |
| Net operating income to assets | 1.1321% | 2,022 |
| Return on assets (ROA) | 1.1321% | 1,939 |
| Pretax return on assets | 1.1331% | 2,904 |
| Return on Equity (ROE) | 11.5224% | 1,745 |
| Retained earnings to average equity (ytd only) | -0.8705% | 5,560 |
| Net charge-offs to loans | 1.0772% | 1,133 |
| Credit loss provision to net charge-offs | 97.2628% | 5,470 |
| Earnings coverage of net charge-offs (x) | 3.1241% | 4,528 |
| Efficiency ratio | 54.9947% | 7,151 |
| Assets per employee ($millions) | 4.7873% | 2,195 |
| Cash dividends to net income (ytd only)* | 107.5552% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 2,533 |
| Loan loss allowance to noncurrent loans | 25.5844% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 3.7979% | 1,125 |
| Noncurrent loans to loans | 5.9870% | 598 |
| Net loans and leases to total assets | 48.0977% | 7,181 |
| Net loans and leases to deposits | 53.8813% | 7,444 |
| Net loans and leases to core deposits | 70.4950% | 7,162 |
| Total domestic deposits to total assets | 89.2661% | 936 |
| Equity capital to assets | 9.8337% | 4,248 |
| Core capital (leverage) ratio | 9.5226% | 3,989 |
| Tier 1 risk-based capital ratio | 16.4916% | 2,492 |
| Total risk-based capital ratio | 17.7412% | 2,417 |
| Memoranda: | ||
| Average total assets | $104,055,000 | 4,931 |
| Average earning assets | $97,417,000 | 4,878 |
| Average equity | $10,223,600 | 5,335 |
| Average total loans | $50,874,400 | 5,668 |