Home > Fort Gibson State Bank > Performance and Condition Ratios
Fort Gibson State Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1923% | 5,254 |
| Cost of funding earning assets | 0.0742% | 5,206 |
| Net interest margin | 0.1182% | 5,252 |
| Noninterest income to average assets | 0.0191% | 5,170 |
| Noninterest expense to average assets | 0.1785% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.0510% | 5,075 |
| Return on assets (ROA) | -0.0510% | 5,082 |
| Pretax return on assets | -0.0510% | 5,077 |
| Return on Equity (ROE) | -1.0370% | 5,099 |
| Retained earnings to average equity (ytd only) | -1.0370% | 4,861 |
| Net charge-offs to loans | 5.3848% | 10 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -0.0133% | 3,381 |
| Efficiency ratio | 140.0000% | 51 |
| Assets per employee ($millions) | 4.4570% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.3469% | 319 |
| Noncurrent loans to loans | 3.6929% | 202 |
| Net loans and leases to total assets | 57.3944% | 3,933 |
| Net loans and leases to deposits | 64.4750% | 4,146 |
| Net loans and leases to core deposits | 70.0316% | 4,054 |
| Total domestic deposits to total assets | 89.0180% | 604 |
| Equity capital to assets | 10.8130% | 3,281 |
| Core capital (leverage) ratio | 7.6298% | 5,178 |
| Tier 1 risk-based capital ratio | 10.7736% | 4,994 |
| Total risk-based capital ratio | 10.7736% | 5,210 |
| Memoranda: | ||
| Average total assets | $62,759,000 | 4,606 |
| Average earning assets | $57,530,750 | 4,620 |
| Average equity | $3,085,750 | 5,143 |
| Average total loans | $44,568,500 | 4,345 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 2,477 |
| Cost of funding earning assets | 1.2767% | 797 |
| Net interest margin | 3.3845% | 3,939 |
| Noninterest income to average assets | 0.4528% | 2,943 |
| Noninterest expense to average assets | 2.0523% | 4,513 |
| Loan and lease loss provision to assets | 7.6555% | 3 |
| Net operating income to assets | -6.1016% | 5,295 |
| Return on assets (ROA) | -6.1016% | 5,295 |
| Pretax return on assets | -6.1114% | 5,295 |
| Return on Equity (ROE) | -219.7493% | 5,303 |
| Retained earnings to average equity (ytd only) | -219.7493% | 5,303 |
| Net charge-offs to loans | 4.2973% | 24 |
| Credit loss provision to net charge-offs | 234.5309% | 1,075 |
| Earnings coverage of net charge-offs (x) | 0.4731% | 3,090 |
| Efficiency ratio | 57.0652% | 4,123 |
| Assets per employee ($millions) | 3.2093% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6392% | 41 |
| Loan loss allowance to noncurrent loans | 65.5150% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 5.2332% | 74 |
| Noncurrent loans to loans | 7.0811% | 52 |
| Net loans and leases to total assets | 67.1182% | 2,949 |
| Net loans and leases to deposits | 69.3943% | 3,890 |
| Net loans and leases to core deposits | 74.9904% | 3,820 |
| Total domestic deposits to total assets | 96.7200% | 1 |
| Equity capital to assets | 2.7027% | 5,299 |
| Core capital (leverage) ratio | 2.6319% | 5,299 |
| Tier 1 risk-based capital ratio | 3.6330% | 5,300 |
| Total risk-based capital ratio | 4.9223% | 5,300 |
| Memoranda: | ||
| Average total assets | $61,393,670 | 4,669 |
| Average earning assets | $57,024,000 | 4,669 |
| Average equity | $1,704,670 | 5,275 |
| Average total loans | $46,634,330 | 4,323 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 4,890 |
| Cost of funding earning assets | 1.2548% | 754 |
| Net interest margin | 2.4121% | 5,218 |
| Noninterest income to average assets | 0.5389% | 2,345 |
| Noninterest expense to average assets | 0.9870% | 5,320 |
| Loan and lease loss provision to assets | 15.2591% | 1 |
| Net operating income to assets | -13.4475% | 5,360 |
| Return on assets (ROA) | -13.4475% | 5,360 |
| Pretax return on assets | -13.4605% | 5,360 |
| Return on Equity (ROE) | -478.0150% | 5,362 |
| Retained earnings to average equity (ytd only) | -478.0150% | 5,362 |
| Net charge-offs to loans | 0.5362% | 278 |
| Credit loss provision to net charge-offs | 3,615.3846% | 118 |
| Earnings coverage of net charge-offs (x) | 4.2615% | 2,337 |
| Efficiency ratio | 35.4312% | 5,280 |
| Assets per employee ($millions) | 3.0862% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2010% | 20 |
| Loan loss allowance to noncurrent loans | 106.8223% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 4.6871% | 74 |
| Noncurrent loans to loans | 5.8050% | 81 |
| Net loans and leases to total assets | 71.7561% | 2,209 |
| Net loans and leases to deposits | 73.7933% | 3,469 |
| Net loans and leases to core deposits | 79.2960% | 3,423 |
| Total domestic deposits to total assets | 97.2393% | 1 |
| Equity capital to assets | 2.3281% | 5,361 |
| Core capital (leverage) ratio | 2.1916% | 5,361 |
| Tier 1 risk-based capital ratio | 3.0523% | 5,362 |
| Total risk-based capital ratio | 4.3651% | 5,362 |
| Memoranda: | ||
| Average total assets | $61,602,500 | 4,713 |
| Average earning assets | $57,378,000 | 4,711 |
| Average equity | $1,733,000 | 5,330 |
| Average total loans | $48,493,000 | 4,336 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6718% | 289 |
| Cost of funding earning assets | 0.9859% | 800 |
| Net interest margin | 4.6859% | 504 |
| Noninterest income to average assets | 0.4220% | 3,299 |
| Noninterest expense to average assets | 8.6723% | 82 |
| Loan and lease loss provision to assets | 0.5225% | 222 |
| Net operating income to assets | -4.5045% | 5,392 |
| Return on assets (ROA) | -4.5045% | 5,391 |
| Pretax return on assets | -4.4070% | 5,389 |
| Return on Equity (ROE) | -73.4330% | 5,399 |
| Retained earnings to average equity (ytd only) | -80.7341% | 5,400 |
| Net charge-offs to loans | 0.0233% | 2,945 |
| Credit loss provision to net charge-offs | 2,858.3333% | 173 |
| Earnings coverage of net charge-offs (x) | -212.5000% | 3,778 |
| Efficiency ratio | 181.1327% | 17 |
| Assets per employee ($millions) | 3.0741% | 4,946 |
| Cash dividends to net income (ytd only)* | -9.9425% | 5,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,086 |
| Loan loss allowance to noncurrent loans | 13.7071% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 7.6510% | 32 |
| Noncurrent loans to loans | 9.4257% | 29 |
| Net loans and leases to total assets | 79.9014% | 955 |
| Net loans and leases to deposits | 82.9982% | 2,624 |
| Net loans and leases to core deposits | 90.4446% | 2,536 |
| Total domestic deposits to total assets | 96.2688% | 4 |
| Equity capital to assets | 3.3002% | 5,400 |
| Core capital (leverage) ratio | 3.1177% | 5,401 |
| Tier 1 risk-based capital ratio | 3.9249% | 5,404 |
| Total risk-based capital ratio | 5.1738% | 5,404 |
| Memoranda: | ||
| Average total assets | $65,645,600 | 4,665 |
| Average earning assets | $61,162,200 | 4,645 |
| Average equity | $4,026,800 | 5,172 |
| Average total loans | $51,592,200 | 4,283 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0821% | 138 |
| Cost of funding earning assets | 0.9337% | 792 |
| Net interest margin | 5.1483% | 197 |
| Noninterest income to average assets | 0.4111% | 3,418 |
| Noninterest expense to average assets | 4.0457% | 498 |
| Loan and lease loss provision to assets | 0.5692% | 179 |
| Net operating income to assets | 0.4842% | 4,790 |
| Return on assets (ROA) | 0.4842% | 4,796 |
| Pretax return on assets | 0.5909% | 4,748 |
| Return on Equity (ROE) | 6.1619% | 4,216 |
| Retained earnings to average equity (ytd only) | -1.2324% | 5,147 |
| Net charge-offs to loans | 0.0177% | 2,806 |
| Credit loss provision to net charge-offs | 4,114.2857% | 98 |
| Earnings coverage of net charge-offs (x) | 83.8853% | 858 |
| Efficiency ratio | 77.7145% | 1,144 |
| Assets per employee ($millions) | 3.4358% | 4,644 |
| Cash dividends to net income (ytd only)* | 119.9994% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 3,142 |
| Loan loss allowance to noncurrent loans | 23.1760% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.9506% | 126 |
| Noncurrent loans to loans | 4.7813% | 135 |
| Net loans and leases to total assets | 81.2043% | 848 |
| Net loans and leases to deposits | 88.6397% | 2,071 |
| Net loans and leases to core deposits | 97.3483% | 1,986 |
| Total domestic deposits to total assets | 91.6116% | 119 |
| Equity capital to assets | 7.9993% | 5,180 |
| Core capital (leverage) ratio | 7.6964% | 5,370 |
| Tier 1 risk-based capital ratio | 9.6275% | 5,429 |
| Total risk-based capital ratio | 10.7260% | 5,421 |
| Memoranda: | ||
| Average total assets | $67,461,500 | 4,671 |
| Average earning assets | $62,827,750 | 4,658 |
| Average equity | $5,301,250 | 5,061 |
| Average total loans | $52,748,250 | 4,296 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0586% | 132 |
| Cost of funding earning assets | 0.8943% | 751 |
| Net interest margin | 5.1643% | 183 |
| Noninterest income to average assets | 0.4165% | 3,377 |
| Noninterest expense to average assets | 4.1679% | 430 |
| Loan and lease loss provision to assets | 0.1261% | 1,573 |
| Net operating income to assets | 0.8359% | 3,733 |
| Return on assets (ROA) | 0.8359% | 3,740 |
| Pretax return on assets | 0.9327% | 3,869 |
| Return on Equity (ROE) | 10.6989% | 2,234 |
| Retained earnings to average equity (ytd only) | 2.5152% | 4,250 |
| Net charge-offs to loans | 0.0152% | 2,637 |
| Credit loss provision to net charge-offs | 1,075.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 90.2500% | 747 |
| Efficiency ratio | 79.7419% | 1,041 |
| Assets per employee ($millions) | 3.4974% | 4,601 |
| Cash dividends to net income (ytd only)* | 76.4912% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 5,022 |
| Loan loss allowance to noncurrent loans | 900.0000% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,593 |
| Noncurrent loans to loans | 0.0728% | 4,596 |
| Net loans and leases to total assets | 76.0636% | 1,628 |
| Net loans and leases to deposits | 82.6819% | 2,694 |
| Net loans and leases to core deposits | 90.9441% | 2,492 |
| Total domestic deposits to total assets | 91.9955% | 90 |
| Equity capital to assets | 7.6485% | 5,334 |
| Core capital (leverage) ratio | 7.4122% | 5,451 |
| Tier 1 risk-based capital ratio | 9.9389% | 5,446 |
| Total risk-based capital ratio | 10.5944% | 5,490 |
| Memoranda: | ||
| Average total assets | $68,188,330 | 4,706 |
| Average earning assets | $63,513,000 | 4,699 |
| Average equity | $5,327,670 | 5,109 |
| Average total loans | $52,462,670 | 4,339 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9549% | 145 |
| Cost of funding earning assets | 0.7787% | 1,057 |
| Net interest margin | 5.1762% | 168 |
| Noninterest income to average assets | 0.3982% | 3,486 |
| Noninterest expense to average assets | 4.2852% | 364 |
| Loan and lease loss provision to assets | 0.1189% | 1,586 |
| Net operating income to assets | 0.7192% | 4,034 |
| Return on assets (ROA) | 0.7192% | 4,044 |
| Pretax return on assets | 0.8143% | 4,113 |
| Return on Equity (ROE) | 9.1166% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.6918% | 3,720 |
| Net charge-offs to loans | 0.0154% | 2,212 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 710 |
| Efficiency ratio | 82.1185% | 934 |
| Assets per employee ($millions) | 3.5263% | 4,636 |
| Cash dividends to net income (ytd only)* | 59.5041% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 5,146 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,797 |
| Noncurrent loans to loans | 0.0377% | 4,803 |
| Net loans and leases to total assets | 74.7480% | 1,751 |
| Net loans and leases to deposits | 81.1702% | 2,675 |
| Net loans and leases to core deposits | 89.1527% | 2,526 |
| Total domestic deposits to total assets | 92.0879% | 99 |
| Equity capital to assets | 7.5420% | 5,404 |
| Core capital (leverage) ratio | 7.8667% | 5,427 |
| Tier 1 risk-based capital ratio | 9.8552% | 5,526 |
| Total risk-based capital ratio | 10.4701% | 5,565 |
| Memoranda: | ||
| Average total assets | $67,301,000 | 4,791 |
| Average earning assets | $62,671,500 | 4,776 |
| Average equity | $5,309,000 | 5,165 |
| Average total loans | $51,916,000 | 4,396 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1514% | 109 |
| Cost of funding earning assets | 0.6417% | 1,345 |
| Net interest margin | 5.5096% | 101 |
| Noninterest income to average assets | 0.4544% | 3,281 |
| Noninterest expense to average assets | 4.6094% | 291 |
| Loan and lease loss provision to assets | 0.0715% | 2,775 |
| Net operating income to assets | 0.7579% | 3,354 |
| Return on assets (ROA) | 0.7579% | 3,395 |
| Pretax return on assets | 0.8755% | 3,989 |
| Return on Equity (ROE) | 9.5999% | 2,054 |
| Retained earnings to average equity (ytd only) | 2.2943% | 3,945 |
| Net charge-offs to loans | 0.1748% | 1,422 |
| Credit loss provision to net charge-offs | 52.3256% | 3,300 |
| Earnings coverage of net charge-offs (x) | 6.9302% | 3,116 |
| Efficiency ratio | 82.9568% | 855 |
| Assets per employee ($millions) | 3.3710% | 4,859 |
| Cash dividends to net income (ytd only)* | 76.1006% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 5,215 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 4,806 |
| Noncurrent loans to loans | 0.0315% | 4,871 |
| Net loans and leases to total assets | 78.8053% | 1,157 |
| Net loans and leases to deposits | 86.2140% | 2,234 |
| Net loans and leases to core deposits | 94.3810% | 2,160 |
| Total domestic deposits to total assets | 91.4066% | 153 |
| Equity capital to assets | 8.0860% | 5,358 |
| Core capital (leverage) ratio | 7.9458% | 5,468 |
| Tier 1 risk-based capital ratio | 10.1060% | 5,506 |
| Total risk-based capital ratio | 10.7209% | 5,587 |
| Memoranda: | ||
| Average total assets | $62,936,400 | 4,901 |
| Average earning assets | $58,279,800 | 4,905 |
| Average equity | $4,968,800 | 5,275 |
| Average total loans | $49,194,000 | 4,479 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0422% | 126 |
| Cost of funding earning assets | 0.6254% | 1,380 |
| Net interest margin | 5.4168% | 118 |
| Noninterest income to average assets | 0.5086% | 2,983 |
| Noninterest expense to average assets | 4.5282% | 310 |
| Loan and lease loss provision to assets | 0.0958% | 2,186 |
| Net operating income to assets | 0.7703% | 3,645 |
| Return on assets (ROA) | 0.7703% | 3,699 |
| Pretax return on assets | 0.8980% | 4,050 |
| Return on Equity (ROE) | 9.8174% | 2,200 |
| Retained earnings to average equity (ytd only) | 2.6577% | 4,306 |
| Net charge-offs to loans | 0.1940% | 1,095 |
| Credit loss provision to net charge-offs | 63.3803% | 2,766 |
| Earnings coverage of net charge-offs (x) | 6.5778% | 2,974 |
| Efficiency ratio | 82.0039% | 916 |
| Assets per employee ($millions) | 3.2450% | 5,019 |
| Cash dividends to net income (ytd only)* | 72.9286% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6377% | 5,256 |
| Loan loss allowance to noncurrent loans | 726.6667% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 4,708 |
| Noncurrent loans to loans | 0.0878% | 4,720 |
| Net loans and leases to total assets | 78.5069% | 1,194 |
| Net loans and leases to deposits | 85.8556% | 2,312 |
| Net loans and leases to core deposits | 94.0541% | 2,273 |
| Total domestic deposits to total assets | 91.4407% | 109 |
| Equity capital to assets | 7.9923% | 5,525 |
| Core capital (leverage) ratio | 7.8786% | 5,549 |
| Tier 1 risk-based capital ratio | 10.0214% | 5,595 |
| Total risk-based capital ratio | 10.6625% | 5,662 |
| Memoranda: | ||
| Average total assets | $62,658,250 | 4,960 |
| Average earning assets | $57,990,750 | 4,962 |
| Average equity | $4,916,250 | 5,346 |
| Average total loans | $48,796,000 | 4,535 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9184% | 137 |
| Cost of funding earning assets | 0.5897% | 1,514 |
| Net interest margin | 5.3287% | 136 |
| Noninterest income to average assets | 0.5847% | 2,534 |
| Noninterest expense to average assets | 4.5323% | 309 |
| Loan and lease loss provision to assets | 0.1131% | 1,812 |
| Net operating income to assets | 0.7527% | 3,631 |
| Return on assets (ROA) | 0.7527% | 3,682 |
| Pretax return on assets | 0.8722% | 4,025 |
| Return on Equity (ROE) | 9.6560% | 2,190 |
| Retained earnings to average equity (ytd only) | 2.3622% | 4,263 |
| Net charge-offs to loans | 0.0917% | 1,695 |
| Credit loss provision to net charge-offs | 159.0909% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.8636% | 2,110 |
| Efficiency ratio | 82.1429% | 993 |
| Assets per employee ($millions) | 3.3386% | 4,937 |
| Cash dividends to net income (ytd only)* | 75.5365% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 5,117 |
| Loan loss allowance to noncurrent loans | 151.2397% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 3,582 |
| Noncurrent loans to loans | 0.4882% | 3,287 |
| Net loans and leases to total assets | 77.5688% | 1,306 |
| Net loans and leases to deposits | 84.5534% | 2,399 |
| Net loans and leases to core deposits | 90.6620% | 2,463 |
| Total domestic deposits to total assets | 91.7394% | 97 |
| Equity capital to assets | 7.6962% | 5,618 |
| Core capital (leverage) ratio | 7.7216% | 5,605 |
| Tier 1 risk-based capital ratio | 9.6613% | 5,685 |
| Total risk-based capital ratio | 10.3948% | 5,729 |
| Memoranda: | ||
| Average total assets | $61,911,000 | 5,018 |
| Average earning assets | $57,312,670 | 5,012 |
| Average equity | $4,826,000 | 5,399 |
| Average total loans | $47,968,670 | 4,581 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8607% | 145 |
| Cost of funding earning assets | 0.5938% | 1,419 |
| Net interest margin | 5.2669% | 143 |
| Noninterest income to average assets | 0.5364% | 2,728 |
| Noninterest expense to average assets | 4.6901% | 289 |
| Loan and lease loss provision to assets | 0.0327% | 3,134 |
| Net operating income to assets | 0.5691% | 4,283 |
| Return on assets (ROA) | 0.5691% | 4,328 |
| Pretax return on assets | 0.6868% | 4,488 |
| Return on Equity (ROE) | 7.2530% | 3,294 |
| Retained earnings to average equity (ytd only) | 0.4168% | 4,826 |
| Net charge-offs to loans | 0.0678% | 1,651 |
| Credit loss provision to net charge-offs | 62.5000% | 1,889 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,763 |
| Efficiency ratio | 86.6989% | 747 |
| Assets per employee ($millions) | 3.1285% | 5,245 |
| Cash dividends to net income (ytd only)* | 94.2529% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 5,218 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,232 |
| Noncurrent loans to loans | 0.0318% | 5,081 |
| Net loans and leases to total assets | 74.7447% | 1,621 |
| Net loans and leases to deposits | 81.4373% | 2,576 |
| Net loans and leases to core deposits | 86.8258% | 2,654 |
| Total domestic deposits to total assets | 91.7819% | 130 |
| Equity capital to assets | 7.6731% | 5,638 |
| Core capital (leverage) ratio | 7.7303% | 5,652 |
| Tier 1 risk-based capital ratio | 9.8956% | 5,720 |
| Total risk-based capital ratio | 10.6219% | 5,776 |
| Memoranda: | ||
| Average total assets | $61,149,500 | 5,090 |
| Average earning assets | $56,580,000 | 5,087 |
| Average equity | $4,798,000 | 5,457 |
| Average total loans | $47,167,500 | 4,645 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7735% | 170 |
| Cost of funding earning assets | 0.6398% | 1,111 |
| Net interest margin | 5.1337% | 194 |
| Noninterest income to average assets | 0.4925% | 3,287 |
| Noninterest expense to average assets | 4.3745% | 419 |
| Loan and lease loss provision to assets | 0.0157% | 4,059 |
| Net operating income to assets | 0.6321% | 4,083 |
| Return on assets (ROA) | 0.6321% | 4,186 |
| Pretax return on assets | 0.8344% | 4,071 |
| Return on Equity (ROE) | 8.4504% | 2,707 |
| Retained earnings to average equity (ytd only) | 1.1323% | 4,845 |
| Net charge-offs to loans | 0.0662% | 2,748 |
| Credit loss provision to net charge-offs | 33.3333% | 3,554 |
| Earnings coverage of net charge-offs (x) | 18.0667% | 1,988 |
| Efficiency ratio | 83.7286% | 1,036 |
| Assets per employee ($millions) | 2.7150% | 5,554 |
| Cash dividends to net income (ytd only)* | 86.6005% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 5,243 |
| Loan loss allowance to noncurrent loans | 3,530.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 5,175 |
| Noncurrent loans to loans | 0.0212% | 5,187 |
| Net loans and leases to total assets | 78.4614% | 1,131 |
| Net loans and leases to deposits | 85.8664% | 2,193 |
| Net loans and leases to core deposits | 92.3066% | 2,269 |
| Total domestic deposits to total assets | 91.3762% | 191 |
| Equity capital to assets | 8.0278% | 5,554 |
| Core capital (leverage) ratio | 7.8296% | 5,673 |
| Tier 1 risk-based capital ratio | 10.0555% | 5,723 |
| Total risk-based capital ratio | 10.8006% | 5,798 |
| Memoranda: | ||
| Average total assets | $63,755,800 | 5,055 |
| Average earning assets | $58,768,400 | 5,052 |
| Average equity | $4,769,000 | 5,512 |
| Average total loans | $45,322,200 | 4,701 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 185 |
| Cost of funding earning assets | 0.6548% | 1,037 |
| Net interest margin | 5.0615% | 224 |
| Noninterest income to average assets | 0.4962% | 3,275 |
| Noninterest expense to average assets | 4.2431% | 469 |
| Loan and lease loss provision to assets | 0.0206% | 3,824 |
| Net operating income to assets | 0.7288% | 3,702 |
| Return on assets (ROA) | 0.7288% | 3,831 |
| Pretax return on assets | 0.8956% | 3,991 |
| Return on Equity (ROE) | 9.9106% | 2,088 |
| Retained earnings to average equity (ytd only) | 2.4357% | 4,460 |
| Net charge-offs to loans | 0.0684% | 2,349 |
| Credit loss provision to net charge-offs | 43.4783% | 3,116 |
| Earnings coverage of net charge-offs (x) | 19.3453% | 1,939 |
| Efficiency ratio | 82.2426% | 1,165 |
| Assets per employee ($millions) | 2.9228% | 5,449 |
| Cash dividends to net income (ytd only)* | 75.4232% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 5,252 |
| Loan loss allowance to noncurrent loans | 642.8571% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 5,075 |
| Noncurrent loans to loans | 0.1211% | 4,857 |
| Net loans and leases to total assets | 74.7503% | 1,749 |
| Net loans and leases to deposits | 81.7625% | 2,762 |
| Net loans and leases to core deposits | 88.1412% | 2,745 |
| Total domestic deposits to total assets | 91.4238% | 123 |
| Equity capital to assets | 7.9620% | 5,750 |
| Core capital (leverage) ratio | 7.6356% | 5,801 |
| Tier 1 risk-based capital ratio | 10.1541% | 5,744 |
| Total risk-based capital ratio | 10.9163% | 5,837 |
| Memoranda: | ||
| Average total assets | $64,762,250 | 5,080 |
| Average earning assets | $59,664,250 | 5,071 |
| Average equity | $4,762,500 | 5,570 |
| Average total loans | $44,848,250 | 4,762 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6805% | 194 |
| Cost of funding earning assets | 0.6730% | 931 |
| Net interest margin | 5.0076% | 252 |
| Noninterest income to average assets | 0.4857% | 3,294 |
| Noninterest expense to average assets | 4.1918% | 497 |
| Loan and lease loss provision to assets | 0.0152% | 3,805 |
| Net operating income to assets | 0.7224% | 3,687 |
| Return on assets (ROA) | 0.7224% | 3,843 |
| Pretax return on assets | 0.8863% | 4,003 |
| Return on Equity (ROE) | 10.0826% | 2,012 |
| Retained earnings to average equity (ytd only) | 2.5418% | 4,269 |
| Net charge-offs to loans | 0.0496% | 2,494 |
| Credit loss provision to net charge-offs | 45.4545% | 2,714 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,469 |
| Efficiency ratio | 82.3004% | 1,236 |
| Assets per employee ($millions) | 3.2650% | 5,119 |
| Cash dividends to net income (ytd only)* | 74.7899% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 5,251 |
| Loan loss allowance to noncurrent loans | 705.7692% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 5,207 |
| Noncurrent loans to loans | 0.1150% | 4,986 |
| Net loans and leases to total assets | 68.7009% | 2,680 |
| Net loans and leases to deposits | 74.6837% | 3,511 |
| Net loans and leases to core deposits | 82.3183% | 3,237 |
| Total domestic deposits to total assets | 91.9892% | 87 |
| Equity capital to assets | 7.4396% | 5,924 |
| Core capital (leverage) ratio | 7.2088% | 5,926 |
| Tier 1 risk-based capital ratio | 10.0833% | 5,826 |
| Total risk-based capital ratio | 10.8591% | 5,909 |
| Memoranda: | ||
| Average total assets | $65,890,000 | 5,105 |
| Average earning assets | $60,628,000 | 5,095 |
| Average equity | $4,721,000 | 5,634 |
| Average total loans | $44,384,000 | 4,817 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 190 |
| Cost of funding earning assets | 0.6682% | 954 |
| Net interest margin | 5.0146% | 246 |
| Noninterest income to average assets | 0.4533% | 3,460 |
| Noninterest expense to average assets | 4.2547% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7615% | 3,431 |
| Return on assets (ROA) | 0.7615% | 3,541 |
| Pretax return on assets | 0.8703% | 3,967 |
| Return on Equity (ROE) | 10.8329% | 1,665 |
| Retained earnings to average equity (ytd only) | 2.9232% | 4,054 |
| Net charge-offs to loans | 0.0364% | 2,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,074 |
| Efficiency ratio | 83.0189% | 1,256 |
| Assets per employee ($millions) | 3.6403% | 4,573 |
| Cash dividends to net income (ytd only)* | 73.0159% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 5,230 |
| Loan loss allowance to noncurrent loans | 838.6364% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 5,330 |
| Noncurrent loans to loans | 0.1012% | 5,066 |
| Net loans and leases to total assets | 65.7688% | 2,984 |
| Net loans and leases to deposits | 71.4049% | 3,706 |
| Net loans and leases to core deposits | 79.0125% | 3,409 |
| Total domestic deposits to total assets | 92.1068% | 100 |
| Equity capital to assets | 7.3239% | 5,977 |
| Core capital (leverage) ratio | 7.0273% | 6,000 |
| Tier 1 risk-based capital ratio | 10.1757% | 5,872 |
| Total risk-based capital ratio | 10.9672% | 5,939 |
| Memoranda: | ||
| Average total assets | $66,185,500 | 5,146 |
| Average earning assets | $61,660,500 | 5,122 |
| Average equity | $4,652,500 | 5,690 |
| Average total loans | $43,962,000 | 4,867 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7263% | 192 |
| Cost of funding earning assets | 0.6446% | 1,103 |
| Net interest margin | 5.0817% | 215 |
| Noninterest income to average assets | 0.4492% | 3,679 |
| Noninterest expense to average assets | 4.1769% | 552 |
| Loan and lease loss provision to assets | 0.0967% | 2,376 |
| Net operating income to assets | 0.8282% | 3,204 |
| Return on assets (ROA) | 0.8282% | 3,277 |
| Pretax return on assets | 0.9467% | 3,664 |
| Return on Equity (ROE) | 12.0726% | 1,284 |
| Retained earnings to average equity (ytd only) | 5.0928% | 2,354 |
| Net charge-offs to loans | 0.0727% | 2,789 |
| Credit loss provision to net charge-offs | 206.6667% | 1,356 |
| Earnings coverage of net charge-offs (x) | 22.3000% | 1,776 |
| Efficiency ratio | 80.0120% | 1,677 |
| Assets per employee ($millions) | 3.5182% | 4,804 |
| Cash dividends to net income (ytd only)* | 57.8154% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 5,302 |
| Loan loss allowance to noncurrent loans | 932.5000% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 5,417 |
| Noncurrent loans to loans | 0.0900% | 5,134 |
| Net loans and leases to total assets | 65.9531% | 2,984 |
| Net loans and leases to deposits | 71.2103% | 3,796 |
| Net loans and leases to core deposits | 81.8609% | 3,167 |
| Total domestic deposits to total assets | 92.6174% | 63 |
| Equity capital to assets | 6.7618% | 6,079 |
| Core capital (leverage) ratio | 6.7824% | 6,070 |
| Tier 1 risk-based capital ratio | 9.2231% | 6,082 |
| Total risk-based capital ratio | 9.9793% | 6,116 |
| Memoranda: | ||
| Average total assets | $64,114,400 | 5,220 |
| Average earning assets | $60,196,000 | 5,181 |
| Average equity | $4,398,400 | 5,783 |
| Average total loans | $41,278,800 | 4,957 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6964% | 197 |
| Cost of funding earning assets | 0.6411% | 1,143 |
| Net interest margin | 5.0553% | 225 |
| Noninterest income to average assets | 0.4120% | 3,997 |
| Noninterest expense to average assets | 4.0820% | 610 |
| Loan and lease loss provision to assets | 0.1093% | 2,061 |
| Net operating income to assets | 0.8471% | 3,182 |
| Return on assets (ROA) | 0.8471% | 3,271 |
| Pretax return on assets | 0.9774% | 3,707 |
| Return on Equity (ROE) | 12.3013% | 1,296 |
| Retained earnings to average equity (ytd only) | 5.6165% | 2,513 |
| Net charge-offs to loans | 0.0922% | 2,241 |
| Credit loss provision to net charge-offs | 185.7143% | 1,427 |
| Earnings coverage of net charge-offs (x) | 18.4656% | 1,997 |
| Efficiency ratio | 78.9752% | 1,811 |
| Assets per employee ($millions) | 3.1884% | 5,314 |
| Cash dividends to net income (ytd only)* | 54.3419% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 5,320 |
| Loan loss allowance to noncurrent loans | 197.2973% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 4,608 |
| Noncurrent loans to loans | 0.4371% | 4,042 |
| Net loans and leases to total assets | 65.8083% | 3,046 |
| Net loans and leases to deposits | 71.3019% | 3,843 |
| Net loans and leases to core deposits | 79.0998% | 3,500 |
| Total domestic deposits to total assets | 92.2954% | 81 |
| Equity capital to assets | 7.0366% | 6,149 |
| Core capital (leverage) ratio | 6.9009% | 6,144 |
| Tier 1 risk-based capital ratio | 9.5698% | 6,131 |
| Total risk-based capital ratio | 10.3445% | 6,171 |
| Memoranda: | ||
| Average total assets | $63,431,500 | 5,298 |
| Average earning assets | $59,685,500 | 5,259 |
| Average equity | $4,368,000 | 5,866 |
| Average total loans | $40,483,500 | 5,041 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5897% | 233 |
| Cost of funding earning assets | 0.6337% | 1,207 |
| Net interest margin | 4.9560% | 272 |
| Noninterest income to average assets | 0.3474% | 4,473 |
| Noninterest expense to average assets | 4.0588% | 634 |
| Loan and lease loss provision to assets | 0.0726% | 2,655 |
| Net operating income to assets | 0.7612% | 3,584 |
| Return on assets (ROA) | 0.7612% | 3,686 |
| Pretax return on assets | 0.8844% | 4,013 |
| Return on Equity (ROE) | 11.1359% | 1,636 |
| Retained earnings to average equity (ytd only) | 4.7593% | 3,018 |
| Net charge-offs to loans | 0.1405% | 1,660 |
| Credit loss provision to net charge-offs | 82.1429% | 2,302 |
| Earnings coverage of net charge-offs (x) | 10.8214% | 2,338 |
| Efficiency ratio | 80.9194% | 1,631 |
| Assets per employee ($millions) | 3.0255% | 5,566 |
| Cash dividends to net income (ytd only)* | 57.2614% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 5,563 |
| Loan loss allowance to noncurrent loans | 1,083.8710% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 5,664 |
| Noncurrent loans to loans | 0.0752% | 5,430 |
| Net loans and leases to total assets | 64.3724% | 3,214 |
| Net loans and leases to deposits | 69.5833% | 3,975 |
| Net loans and leases to core deposits | 75.9597% | 3,776 |
| Total domestic deposits to total assets | 92.5112% | 82 |
| Equity capital to assets | 6.8608% | 6,209 |
| Core capital (leverage) ratio | 6.7996% | 6,212 |
| Tier 1 risk-based capital ratio | 9.3392% | 6,221 |
| Total risk-based capital ratio | 10.0479% | 6,262 |
| Memoranda: | ||
| Average total assets | $63,319,670 | 5,364 |
| Average earning assets | $59,645,000 | 5,313 |
| Average equity | $4,328,330 | 5,937 |
| Average total loans | $39,868,330 | 5,114 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 262 |
| Cost of funding earning assets | 0.6392% | 1,183 |
| Net interest margin | 4.8581% | 312 |
| Noninterest income to average assets | 0.3544% | 4,361 |
| Noninterest expense to average assets | 4.0878% | 628 |
| Loan and lease loss provision to assets | 0.0316% | 3,259 |
| Net operating income to assets | 0.6961% | 3,824 |
| Return on assets (ROA) | 0.6961% | 3,948 |
| Pretax return on assets | 0.8036% | 4,228 |
| Return on Equity (ROE) | 10.2017% | 1,911 |
| Retained earnings to average equity (ytd only) | 3.4315% | 3,931 |
| Net charge-offs to loans | 0.1633% | 1,294 |
| Credit loss provision to net charge-offs | 31.2500% | 2,261 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,096 |
| Efficiency ratio | 83.0334% | 1,489 |
| Assets per employee ($millions) | 3.0708% | 5,581 |
| Cash dividends to net income (ytd only)* | 66.3636% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 5,590 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 5,710 |
| Noncurrent loans to loans | 0.0281% | 5,695 |
| Net loans and leases to total assets | 60.2183% | 3,621 |
| Net loans and leases to deposits | 65.0654% | 4,260 |
| Net loans and leases to core deposits | 70.5708% | 4,101 |
| Total domestic deposits to total assets | 92.5504% | 88 |
| Equity capital to assets | 6.7874% | 6,280 |
| Core capital (leverage) ratio | 6.8002% | 6,256 |
| Tier 1 risk-based capital ratio | 9.5877% | 6,260 |
| Total risk-based capital ratio | 10.3130% | 6,302 |
| Memoranda: | ||
| Average total assets | $63,212,000 | 5,418 |
| Average earning assets | $59,447,000 | 5,373 |
| Average equity | $4,313,000 | 5,993 |
| Average total loans | $39,185,000 | 5,170 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6761% | 239 |
| Cost of funding earning assets | 0.6599% | 1,339 |
| Net interest margin | 5.0162% | 299 |
| Noninterest income to average assets | 0.4108% | 4,105 |
| Noninterest expense to average assets | 4.1516% | 634 |
| Loan and lease loss provision to assets | 0.0828% | 2,825 |
| Net operating income to assets | 0.7014% | 3,885 |
| Return on assets (ROA) | 0.7014% | 4,003 |
| Pretax return on assets | 0.8784% | 3,970 |
| Return on Equity (ROE) | 10.9196% | 1,745 |
| Retained earnings to average equity (ytd only) | 3.7915% | 3,521 |
| Net charge-offs to loans | 0.1749% | 2,275 |
| Credit loss provision to net charge-offs | 76.1194% | 2,946 |
| Earnings coverage of net charge-offs (x) | 8.8358% | 2,821 |
| Efficiency ratio | 81.2004% | 1,749 |
| Assets per employee ($millions) | 3.0982% | 5,568 |
| Cash dividends to net income (ytd only)* | 65.2778% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 5,567 |
| Loan loss allowance to noncurrent loans | 11,366.6667% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 5,706 |
| Noncurrent loans to loans | 0.0077% | 5,893 |
| Net loans and leases to total assets | 62.7235% | 3,402 |
| Net loans and leases to deposits | 67.9464% | 4,130 |
| Net loans and leases to core deposits | 72.9275% | 4,037 |
| Total domestic deposits to total assets | 92.3133% | 113 |
| Equity capital to assets | 6.9573% | 6,334 |
| Core capital (leverage) ratio | 6.8530% | 6,334 |
| Tier 1 risk-based capital ratio | 10.3694% | 6,158 |
| Total risk-based capital ratio | 11.1755% | 6,235 |
| Memoranda: | ||
| Average total assets | $61,590,200 | 5,510 |
| Average earning assets | $57,733,000 | 5,467 |
| Average equity | $3,956,200 | 6,098 |
| Average total loans | $38,313,200 | 5,241 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 238 |
| Cost of funding earning assets | 0.6643% | 1,362 |
| Net interest margin | 5.0160% | 287 |
| Noninterest income to average assets | 0.4141% | 4,145 |
| Noninterest expense to average assets | 4.1129% | 675 |
| Loan and lease loss provision to assets | 0.0997% | 2,376 |
| Net operating income to assets | 0.8174% | 3,355 |
| Return on assets (ROA) | 0.8174% | 3,447 |
| Pretax return on assets | 0.8998% | 3,986 |
| Return on Equity (ROE) | 12.9968% | 1,220 |
| Retained earnings to average equity (ytd only) | 5.5847% | 2,680 |
| Net charge-offs to loans | 0.1820% | 2,003 |
| Credit loss provision to net charge-offs | 88.4615% | 2,462 |
| Earnings coverage of net charge-offs (x) | 8.8656% | 2,741 |
| Efficiency ratio | 80.4495% | 1,852 |
| Assets per employee ($millions) | 3.1039% | 5,584 |
| Cash dividends to net income (ytd only)* | 57.0297% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 5,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 61.3486% | 3,582 |
| Net loans and leases to deposits | 66.1364% | 4,315 |
| Net loans and leases to core deposits | 70.5494% | 4,277 |
| Total domestic deposits to total assets | 92.7607% | 95 |
| Equity capital to assets | 6.5740% | 6,437 |
| Core capital (leverage) ratio | 6.9267% | 6,389 |
| Tier 1 risk-based capital ratio | 10.4717% | 6,216 |
| Total risk-based capital ratio | 11.3071% | 6,294 |
| Memoranda: | ||
| Average total assets | $61,496,750 | 5,578 |
| Average earning assets | $57,600,500 | 5,527 |
| Average equity | $3,867,500 | 6,185 |
| Average total loans | $38,089,750 | 5,297 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6691% | 231 |
| Cost of funding earning assets | 0.6686% | 1,391 |
| Net interest margin | 5.0006% | 280 |
| Noninterest income to average assets | 0.3948% | 4,278 |
| Noninterest expense to average assets | 4.1107% | 667 |
| Loan and lease loss provision to assets | 0.0848% | 2,611 |
| Net operating income to assets | 0.7993% | 3,339 |
| Return on assets (ROA) | 0.7993% | 3,444 |
| Pretax return on assets | 0.8841% | 3,948 |
| Return on Equity (ROE) | 12.9072% | 1,201 |
| Retained earnings to average equity (ytd only) | 4.8995% | 3,025 |
| Net charge-offs to loans | 0.1475% | 2,206 |
| Credit loss provision to net charge-offs | 92.8571% | 2,131 |
| Earnings coverage of net charge-offs (x) | 10.6071% | 2,235 |
| Efficiency ratio | 80.9249% | 1,889 |
| Assets per employee ($millions) | 3.5356% | 4,781 |
| Cash dividends to net income (ytd only)* | 62.0408% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 5,556 |
| Loan loss allowance to noncurrent loans | 959.4595% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 5,624 |
| Noncurrent loans to loans | 0.0992% | 5,725 |
| Net loans and leases to total assets | 58.0286% | 3,988 |
| Net loans and leases to deposits | 62.3365% | 4,663 |
| Net loans and leases to core deposits | 66.9689% | 4,556 |
| Total domestic deposits to total assets | 93.0894% | 77 |
| Equity capital to assets | 6.2648% | 6,509 |
| Core capital (leverage) ratio | 6.7409% | 6,472 |
| Tier 1 risk-based capital ratio | 10.4208% | 6,272 |
| Total risk-based capital ratio | 11.2750% | 6,351 |
| Memoranda: | ||
| Average total assets | $61,303,000 | 5,629 |
| Average earning assets | $57,433,670 | 5,575 |
| Average equity | $3,796,330 | 6,244 |
| Average total loans | $37,974,670 | 5,340 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7338% | 208 |
| Cost of funding earning assets | 0.6750% | 1,406 |
| Net interest margin | 5.0588% | 237 |
| Noninterest income to average assets | 0.4523% | 3,772 |
| Noninterest expense to average assets | 4.2306% | 585 |
| Loan and lease loss provision to assets | 0.0599% | 2,914 |
| Net operating income to assets | 0.8248% | 3,032 |
| Return on assets (ROA) | 0.8248% | 3,103 |
| Pretax return on assets | 0.8980% | 3,702 |
| Return on Equity (ROE) | 13.4018% | 1,059 |
| Retained earnings to average equity (ytd only) | 4.9716% | 3,125 |
| Net charge-offs to loans | 0.0835% | 2,310 |
| Credit loss provision to net charge-offs | 112.5000% | 1,521 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,435 |
| Efficiency ratio | 81.5385% | 1,988 |
| Assets per employee ($millions) | 3.0894% | 5,710 |
| Cash dividends to net income (ytd only)* | 62.9032% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 5,783 |
| Loan loss allowance to noncurrent loans | 534.3284% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 5,484 |
| Noncurrent loans to loans | 0.1732% | 5,571 |
| Net loans and leases to total assets | 62.0179% | 3,238 |
| Net loans and leases to deposits | 66.5688% | 4,016 |
| Net loans and leases to core deposits | 70.9992% | 3,985 |
| Total domestic deposits to total assets | 93.1636% | 99 |
| Equity capital to assets | 6.1599% | 6,556 |
| Core capital (leverage) ratio | 6.7845% | 6,510 |
| Tier 1 risk-based capital ratio | 10.1169% | 6,449 |
| Total risk-based capital ratio | 10.9626% | 6,502 |
| Memoranda: | ||
| Average total assets | $60,134,000 | 5,708 |
| Average earning assets | $56,298,000 | 5,655 |
| Average equity | $3,701,000 | 6,309 |
| Average total loans | $38,319,500 | 5,381 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9287% | 193 |
| Cost of funding earning assets | 0.6805% | 1,955 |
| Net interest margin | 5.2481% | 200 |
| Noninterest income to average assets | 0.3926% | 4,503 |
| Noninterest expense to average assets | 4.1634% | 725 |
| Loan and lease loss provision to assets | 0.0748% | 3,618 |
| Net operating income to assets | 0.7868% | 3,360 |
| Return on assets (ROA) | 0.7868% | 3,462 |
| Pretax return on assets | 0.9771% | 3,442 |
| Return on Equity (ROE) | 11.9348% | 1,437 |
| Retained earnings to average equity (ytd only) | 7.4754% | 1,244 |
| Net charge-offs to loans | 0.2478% | 2,486 |
| Credit loss provision to net charge-offs | 48.8889% | 3,842 |
| Earnings coverage of net charge-offs (x) | 6.8778% | 2,959 |
| Efficiency ratio | 79.8306% | 2,174 |
| Assets per employee ($millions) | 2.9241% | 5,955 |
| Cash dividends to net income (ytd only)* | 37.3650% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 5,792 |
| Loan loss allowance to noncurrent loans | 11,900.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 5,875 |
| Noncurrent loans to loans | 0.0079% | 6,272 |
| Net loans and leases to total assets | 64.3029% | 2,991 |
| Net loans and leases to deposits | 69.0000% | 3,907 |
| Net loans and leases to core deposits | 76.8956% | 3,505 |
| Total domestic deposits to total assets | 93.1927% | 118 |
| Equity capital to assets | 6.1490% | 6,610 |
| Core capital (leverage) ratio | 7.1990% | 6,476 |
| Tier 1 risk-based capital ratio | 10.2672% | 6,445 |
| Total risk-based capital ratio | 11.1321% | 6,509 |
| Memoranda: | ||
| Average total assets | $58,845,600 | 5,786 |
| Average earning assets | $54,076,200 | 5,759 |
| Average equity | $3,879,400 | 6,352 |
| Average total loans | $36,324,600 | 5,486 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8853% | 209 |
| Cost of funding earning assets | 0.6899% | 2,017 |
| Net interest margin | 5.1954% | 217 |
| Noninterest income to average assets | 0.3846% | 4,640 |
| Noninterest expense to average assets | 4.1060% | 759 |
| Loan and lease loss provision to assets | 0.0543% | 3,950 |
| Net operating income to assets | 0.7850% | 3,425 |
| Return on assets (ROA) | 0.7850% | 3,556 |
| Pretax return on assets | 0.9773% | 3,597 |
| Return on Equity (ROE) | 11.7122% | 1,578 |
| Retained earnings to average equity (ytd only) | 8.6405% | 1,175 |
| Net charge-offs to loans | 0.1671% | 2,889 |
| Credit loss provision to net charge-offs | 53.3333% | 3,428 |
| Earnings coverage of net charge-offs (x) | 10.1330% | 2,392 |
| Efficiency ratio | 79.9207% | 2,110 |
| Assets per employee ($millions) | 2.9567% | 5,916 |
| Cash dividends to net income (ytd only)* | 26.2244% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 5,661 |
| Loan loss allowance to noncurrent loans | 1,232.2581% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 5,640 |
| Noncurrent loans to loans | 0.0821% | 6,087 |
| Net loans and leases to total assets | 63.1965% | 3,130 |
| Net loans and leases to deposits | 67.8184% | 4,081 |
| Net loans and leases to core deposits | 75.8612% | 3,631 |
| Total domestic deposits to total assets | 93.1849% | 113 |
| Equity capital to assets | 6.1404% | 6,681 |
| Core capital (leverage) ratio | 6.9111% | 6,602 |
| Tier 1 risk-based capital ratio | 10.0883% | 6,573 |
| Total risk-based capital ratio | 11.0052% | 6,631 |
| Memoranda: | ||
| Average total assets | $58,936,750 | 5,846 |
| Average earning assets | $53,918,250 | 5,825 |
| Average equity | $3,950,250 | 6,414 |
| Average total loans | $35,915,250 | 5,552 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8609% | 220 |
| Cost of funding earning assets | 0.6963% | 2,085 |
| Net interest margin | 5.1646% | 222 |
| Noninterest income to average assets | 0.3669% | 4,775 |
| Noninterest expense to average assets | 4.1344% | 751 |
| Loan and lease loss provision to assets | 0.0510% | 3,969 |
| Net operating income to assets | 0.7202% | 3,719 |
| Return on assets (ROA) | 0.7202% | 3,889 |
| Pretax return on assets | 0.8935% | 3,932 |
| Return on Equity (ROE) | 10.4519% | 2,026 |
| Retained earnings to average equity (ytd only) | 8.9729% | 1,131 |
| Net charge-offs to loans | 0.1473% | 2,926 |
| Credit loss provision to net charge-offs | 57.6923% | 3,059 |
| Earnings coverage of net charge-offs (x) | 10.6923% | 2,134 |
| Efficiency ratio | 81.4047% | 1,977 |
| Assets per employee ($millions) | 3.0956% | 5,689 |
| Cash dividends to net income (ytd only)* | 14.1509% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 5,419 |
| Loan loss allowance to noncurrent loans | 585.0746% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 5,018 |
| Noncurrent loans to loans | 0.1891% | 5,841 |
| Net loans and leases to total assets | 59.5576% | 3,740 |
| Net loans and leases to deposits | 64.3875% | 4,452 |
| Net loans and leases to core deposits | 70.7434% | 4,193 |
| Total domestic deposits to total assets | 92.4988% | 183 |
| Equity capital to assets | 6.8841% | 6,623 |
| Core capital (leverage) ratio | 6.8071% | 6,659 |
| Tier 1 risk-based capital ratio | 10.1084% | 6,608 |
| Total risk-based capital ratio | 11.0679% | 6,654 |
| Memoranda: | ||
| Average total assets | $58,871,330 | 5,882 |
| Average earning assets | $53,712,000 | 5,870 |
| Average equity | $4,056,670 | 6,436 |
| Average total loans | $35,303,000 | 5,608 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8313% | 224 |
| Cost of funding earning assets | 0.7037% | 2,174 |
| Net interest margin | 5.1277% | 221 |
| Noninterest income to average assets | 0.3056% | 5,251 |
| Noninterest expense to average assets | 4.1020% | 794 |
| Loan and lease loss provision to assets | 0.0340% | 4,019 |
| Net operating income to assets | 0.6995% | 3,687 |
| Return on assets (ROA) | 0.6995% | 3,831 |
| Pretax return on assets | 0.8218% | 4,076 |
| Return on Equity (ROE) | 10.1465% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.1465% | 1,071 |
| Net charge-offs to loans | 0.1816% | 2,310 |
| Credit loss provision to net charge-offs | 31.2500% | 2,872 |
| Earnings coverage of net charge-offs (x) | 7.8750% | 2,008 |
| Efficiency ratio | 82.7397% | 1,925 |
| Assets per employee ($millions) | 2.8441% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,474 |
| Loan loss allowance to noncurrent loans | 911.6279% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 5,218 |
| Noncurrent loans to loans | 0.1242% | 6,099 |
| Net loans and leases to total assets | 57.3242% | 3,865 |
| Net loans and leases to deposits | 61.9782% | 4,551 |
| Net loans and leases to core deposits | 67.9892% | 4,306 |
| Total domestic deposits to total assets | 92.4908% | 179 |
| Equity capital to assets | 6.8043% | 6,748 |
| Core capital (leverage) ratio | 6.7005% | 6,715 |
| Tier 1 risk-based capital ratio | 10.0531% | 6,682 |
| Total risk-based capital ratio | 11.0259% | 6,707 |
| Memoranda: | ||
| Average total assets | $58,898,500 | 5,934 |
| Average earning assets | $53,435,500 | 5,923 |
| Average equity | $4,060,500 | 6,498 |
| Average total loans | $35,243,500 | 5,654 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9405% | 292 |
| Cost of funding earning assets | 0.7744% | 2,871 |
| Net interest margin | 5.1661% | 287 |
| Noninterest income to average assets | 0.4371% | 4,342 |
| Noninterest expense to average assets | 4.3658% | 640 |
| Loan and lease loss provision to assets | 0.0522% | 5,158 |
| Net operating income to assets | 0.5933% | 4,269 |
| Return on assets (ROA) | 0.7680% | 3,674 |
| Pretax return on assets | 1.0118% | 3,511 |
| Return on Equity (ROE) | 10.2663% | 2,066 |
| Retained earnings to average equity (ytd only) | -9.1256% | 6,611 |
| Net charge-offs to loans | 0.2193% | 3,633 |
| Credit loss provision to net charge-offs | 41.0959% | 4,917 |
| Earnings coverage of net charge-offs (x) | 6.5616% | 2,788 |
| Efficiency ratio | 83.9585% | 1,637 |
| Assets per employee ($millions) | 2.6395% | 6,495 |
| Cash dividends to net income (ytd only)* | 188.8889% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,458 |
| Loan loss allowance to noncurrent loans | 457.9545% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 5,008 |
| Noncurrent loans to loans | 0.2454% | 5,863 |
| Net loans and leases to total assets | 61.0539% | 3,408 |
| Net loans and leases to deposits | 66.2654% | 4,244 |
| Net loans and leases to core deposits | 72.3581% | 4,002 |
| Total domestic deposits to total assets | 92.1354% | 220 |
| Equity capital to assets | 6.9864% | 6,774 |
| Core capital (leverage) ratio | 6.6817% | 6,765 |
| Tier 1 risk-based capital ratio | 9.6439% | 6,784 |
| Total risk-based capital ratio | 10.6283% | 6,814 |
| Memoranda: | ||
| Average total assets | $57,423,800 | 5,989 |
| Average earning assets | $52,941,400 | 5,957 |
| Average equity | $4,295,600 | 6,496 |
| Average total loans | $33,293,800 | 5,785 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9075% | 327 |
| Cost of funding earning assets | 0.7978% | 2,964 |
| Net interest margin | 5.1098% | 335 |
| Noninterest income to average assets | 0.4494% | 4,294 |
| Noninterest expense to average assets | 4.3122% | 655 |
| Loan and lease loss provision to assets | 0.0396% | 5,281 |
| Net operating income to assets | 0.6482% | 4,153 |
| Return on assets (ROA) | 0.8941% | 3,242 |
| Pretax return on assets | 1.1176% | 3,283 |
| Return on Equity (ROE) | 11.7557% | 1,723 |
| Retained earnings to average equity (ytd only) | -11.7862% | 6,856 |
| Net charge-offs to loans | 0.1838% | 3,646 |
| Credit loss provision to net charge-offs | 37.7778% | 4,660 |
| Earnings coverage of net charge-offs (x) | 8.1108% | 2,503 |
| Efficiency ratio | 83.5363% | 1,639 |
| Assets per employee ($millions) | 2.7550% | 6,422 |
| Cash dividends to net income (ytd only)* | 200.2598% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 5,108 |
| Loan loss allowance to noncurrent loans | 20,900.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 5,496 |
| Noncurrent loans to loans | 0.0059% | 6,671 |
| Net loans and leases to total assets | 57.6641% | 4,185 |
| Net loans and leases to deposits | 62.5230% | 4,900 |
| Net loans and leases to core deposits | 68.2843% | 4,698 |
| Total domestic deposits to total assets | 92.2287% | 181 |
| Equity capital to assets | 6.9416% | 6,890 |
| Core capital (leverage) ratio | 6.8542% | 6,827 |
| Tier 1 risk-based capital ratio | 10.0124% | 6,796 |
| Total risk-based capital ratio | 11.0709% | 6,821 |
| Memoranda: | ||
| Average total assets | $57,262,250 | 6,058 |
| Average earning assets | $52,812,500 | 6,033 |
| Average equity | $4,355,250 | 6,555 |
| Average total loans | $32,653,000 | 5,897 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9347% | 328 |
| Cost of funding earning assets | 0.8283% | 2,966 |
| Net interest margin | 5.1064% | 333 |
| Noninterest income to average assets | 0.4416% | 4,354 |
| Noninterest expense to average assets | 4.3634% | 617 |
| Loan and lease loss provision to assets | 0.0350% | 5,236 |
| Net operating income to assets | 0.6007% | 4,366 |
| Return on assets (ROA) | 0.9708% | 2,826 |
| Pretax return on assets | 1.2162% | 2,857 |
| Return on Equity (ROE) | 12.3984% | 1,540 |
| Retained earnings to average equity (ytd only) | 6.6244% | 2,315 |
| Net charge-offs to loans | 0.1921% | 3,429 |
| Credit loss provision to net charge-offs | 32.2581% | 4,402 |
| Earnings coverage of net charge-offs (x) | 7.2581% | 2,512 |
| Efficiency ratio | 84.6939% | 1,565 |
| Assets per employee ($millions) | 2.8470% | 6,328 |
| Cash dividends to net income (ytd only)* | 46.5704% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 4,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 5,552 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.3895% | 4,263 |
| Net loans and leases to deposits | 62.8839% | 4,893 |
| Net loans and leases to core deposits | 69.5818% | 4,580 |
| Total domestic deposits to total assets | 91.2626% | 364 |
| Equity capital to assets | 7.9225% | 6,622 |
| Core capital (leverage) ratio | 7.7322% | 6,497 |
| Tier 1 risk-based capital ratio | 12.0680% | 5,880 |
| Total risk-based capital ratio | 13.2110% | 5,931 |
| Memoranda: | ||
| Average total assets | $57,065,000 | 6,108 |
| Average earning assets | $52,640,000 | 6,074 |
| Average equity | $4,468,330 | 6,552 |
| Average total loans | $32,277,670 | 5,952 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 389 |
| Cost of funding earning assets | 0.8503% | 3,061 |
| Net interest margin | 5.0033% | 398 |
| Noninterest income to average assets | 0.4621% | 4,211 |
| Noninterest expense to average assets | 4.3831% | 605 |
| Loan and lease loss provision to assets | 0.0700% | 4,531 |
| Net operating income to assets | 0.5152% | 4,758 |
| Return on assets (ROA) | 0.9452% | 2,927 |
| Pretax return on assets | 1.1413% | 3,157 |
| Return on Equity (ROE) | 12.1430% | 1,638 |
| Retained earnings to average equity (ytd only) | 9.7144% | 1,349 |
| Net charge-offs to loans | 0.2887% | 2,518 |
| Credit loss provision to net charge-offs | 43.4783% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.3043% | 2,599 |
| Efficiency ratio | 86.3448% | 1,446 |
| Assets per employee ($millions) | 2.7587% | 6,564 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,703 |
| Loan loss allowance to noncurrent loans | 1,968.1818% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 5,569 |
| Noncurrent loans to loans | 0.0699% | 6,579 |
| Net loans and leases to total assets | 53.5429% | 4,798 |
| Net loans and leases to deposits | 58.5540% | 5,315 |
| Net loans and leases to core deposits | 64.6539% | 5,046 |
| Total domestic deposits to total assets | 91.4418% | 391 |
| Equity capital to assets | 7.7089% | 6,688 |
| Core capital (leverage) ratio | 7.6166% | 6,559 |
| Tier 1 risk-based capital ratio | 12.1393% | 5,869 |
| Total risk-based capital ratio | 13.3213% | 5,889 |
| Memoranda: | ||
| Average total assets | $57,128,000 | 6,150 |
| Average earning assets | $52,685,500 | 6,112 |
| Average equity | $4,447,000 | 6,596 |
| Average total loans | $31,865,500 | 6,015 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2941% | 258 |
| Cost of funding earning assets | 0.9386% | 3,799 |
| Net interest margin | 5.3554% | 218 |
| Noninterest income to average assets | 0.4951% | 3,882 |
| Noninterest expense to average assets | 4.2800% | 735 |
| Loan and lease loss provision to assets | 0.0227% | 6,294 |
| Net operating income to assets | 0.7950% | 3,058 |
| Return on assets (ROA) | 0.7950% | 3,225 |
| Pretax return on assets | 1.1262% | 2,739 |
| Return on Equity (ROE) | 10.4472% | 1,888 |
| Retained earnings to average equity (ytd only) | 0.8248% | 5,477 |
| Net charge-offs to loans | 0.0744% | 5,574 |
| Credit loss provision to net charge-offs | 56.5217% | 5,257 |
| Earnings coverage of net charge-offs (x) | 28.6522% | 867 |
| Efficiency ratio | 78.8375% | 2,481 |
| Assets per employee ($millions) | 2.6820% | 6,631 |
| Cash dividends to net income (ytd only)* | 92.1053% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 5,608 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 56.5187% | 4,621 |
| Net loans and leases to deposits | 62.0659% | 5,235 |
| Net loans and leases to core deposits | 67.1653% | 5,141 |
| Total domestic deposits to total assets | 91.0623% | 483 |
| Equity capital to assets | 7.8618% | 6,654 |
| Core capital (leverage) ratio | 7.3972% | 6,701 |
| Tier 1 risk-based capital ratio | 11.6452% | 6,061 |
| Total risk-based capital ratio | 12.8422% | 6,085 |
| Memoranda: | ||
| Average total assets | $57,359,200 | 6,130 |
| Average earning assets | $52,843,400 | 6,084 |
| Average equity | $4,364,800 | 6,636 |
| Average total loans | $30,925,200 | 6,125 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3452% | 251 |
| Cost of funding earning assets | 0.9642% | 3,934 |
| Net interest margin | 5.3810% | 214 |
| Noninterest income to average assets | 0.4883% | 3,968 |
| Noninterest expense to average assets | 4.1652% | 825 |
| Loan and lease loss provision to assets | 0.0278% | 6,089 |
| Net operating income to assets | 1.0459% | 2,155 |
| Return on assets (ROA) | 1.0459% | 2,306 |
| Pretax return on assets | 1.2542% | 2,447 |
| Return on Equity (ROE) | 13.8572% | 1,065 |
| Retained earnings to average equity (ytd only) | 5.5491% | 2,824 |
| Net charge-offs to loans | 0.0785% | 5,183 |
| Credit loss provision to net charge-offs | 66.6667% | 4,580 |
| Earnings coverage of net charge-offs (x) | 30.7771% | 920 |
| Efficiency ratio | 76.4656% | 2,772 |
| Assets per employee ($millions) | 2.9691% | 6,191 |
| Cash dividends to net income (ytd only)* | 59.9552% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 4,372 |
| Loan loss allowance to noncurrent loans | 15,000.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 5,700 |
| Noncurrent loans to loans | 0.0096% | 6,938 |
| Net loans and leases to total assets | 54.5867% | 5,072 |
| Net loans and leases to deposits | 59.9805% | 5,632 |
| Net loans and leases to core deposits | 65.4398% | 5,477 |
| Total domestic deposits to total assets | 91.0074% | 429 |
| Equity capital to assets | 8.0478% | 6,665 |
| Core capital (leverage) ratio | 7.5484% | 6,738 |
| Tier 1 risk-based capital ratio | 12.3679% | 5,609 |
| Total risk-based capital ratio | 13.6092% | 5,601 |
| Memoranda: | ||
| Average total assets | $57,618,250 | 6,161 |
| Average earning assets | $53,099,250 | 6,125 |
| Average equity | $4,349,000 | 6,692 |
| Average total loans | $30,586,750 | 6,195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3001% | 278 |
| Cost of funding earning assets | 0.9845% | 4,056 |
| Net interest margin | 5.3156% | 239 |
| Noninterest income to average assets | 0.4860% | 3,970 |
| Noninterest expense to average assets | 4.0848% | 930 |
| Loan and lease loss provision to assets | 0.0448% | 5,747 |
| Net operating income to assets | 1.0479% | 2,043 |
| Return on assets (ROA) | 1.0479% | 2,140 |
| Pretax return on assets | 1.2513% | 2,302 |
| Return on Equity (ROE) | 14.1879% | 937 |
| Retained earnings to average equity (ytd only) | 6.3939% | 2,192 |
| Net charge-offs to loans | 0.0790% | 4,851 |
| Credit loss provision to net charge-offs | 108.3333% | 2,826 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 888 |
| Efficiency ratio | 75.9129% | 3,025 |
| Assets per employee ($millions) | 2.7764% | 6,507 |
| Cash dividends to net income (ytd only)* | 54.9342% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 4,024 |
| Loan loss allowance to noncurrent loans | 2,856.2500% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 5,708 |
| Noncurrent loans to loans | 0.0533% | 6,851 |
| Net loans and leases to total assets | 50.7032% | 5,731 |
| Net loans and leases to deposits | 55.3274% | 6,197 |
| Net loans and leases to core deposits | 60.5307% | 6,046 |
| Total domestic deposits to total assets | 91.6421% | 312 |
| Equity capital to assets | 7.5278% | 6,935 |
| Core capital (leverage) ratio | 7.3797% | 6,823 |
| Tier 1 risk-based capital ratio | 12.3608% | 5,464 |
| Total risk-based capital ratio | 13.6331% | 5,430 |
| Memoranda: | ||
| Average total assets | $58,020,000 | 6,206 |
| Average earning assets | $53,427,330 | 6,165 |
| Average equity | $4,285,330 | 6,749 |
| Average total loans | $30,367,670 | 6,263 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2945% | 285 |
| Cost of funding earning assets | 0.9852% | 4,307 |
| Net interest margin | 5.3093% | 221 |
| Noninterest income to average assets | 0.4423% | 4,343 |
| Noninterest expense to average assets | 4.1328% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9952% | 2,197 |
| Return on assets (ROA) | 0.9952% | 2,243 |
| Pretax return on assets | 1.1887% | 2,420 |
| Return on Equity (ROE) | 13.6058% | 1,061 |
| Retained earnings to average equity (ytd only) | 7.7477% | 1,828 |
| Net charge-offs to loans | 0.0524% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 650 |
| Efficiency ratio | 77.6623% | 2,901 |
| Assets per employee ($millions) | 2.7982% | 6,540 |
| Cash dividends to net income (ytd only)* | 43.0556% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 4,099 |
| Loan loss allowance to noncurrent loans | 9,040.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 5,649 |
| Noncurrent loans to loans | 0.0168% | 7,025 |
| Net loans and leases to total assets | 49.7507% | 5,884 |
| Net loans and leases to deposits | 54.1369% | 6,283 |
| Net loans and leases to core deposits | 59.7706% | 6,112 |
| Total domestic deposits to total assets | 91.8980% | 314 |
| Equity capital to assets | 7.3141% | 6,965 |
| Core capital (leverage) ratio | 7.3066% | 6,850 |
| Tier 1 risk-based capital ratio | 12.2216% | 5,501 |
| Total risk-based capital ratio | 13.4814% | 5,495 |
| Memoranda: | ||
| Average total assets | $57,878,000 | 6,265 |
| Average earning assets | $53,189,500 | 6,227 |
| Average equity | $4,233,500 | 6,797 |
| Average total loans | $30,542,000 | 6,314 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4720% | 333 |
| Cost of funding earning assets | 1.2573% | 4,162 |
| Net interest margin | 5.2146% | 277 |
| Noninterest income to average assets | 0.4197% | 4,747 |
| Noninterest expense to average assets | 3.9565% | 1,225 |
| Loan and lease loss provision to assets | 0.0898% | 6,245 |
| Net operating income to assets | 0.7332% | 3,082 |
| Return on assets (ROA) | 0.7332% | 3,207 |
| Pretax return on assets | 1.1071% | 2,553 |
| Return on Equity (ROE) | 10.4428% | 1,780 |
| Retained earnings to average equity (ytd only) | 1.4420% | 4,811 |
| Net charge-offs to loans | 0.3864% | 4,106 |
| Credit loss provision to net charge-offs | 44.0000% | 6,336 |
| Earnings coverage of net charge-offs (x) | 5.8640% | 2,511 |
| Efficiency ratio | 76.7744% | 2,906 |
| Assets per employee ($millions) | 2.7140% | 6,661 |
| Cash dividends to net income (ytd only)* | 86.1915% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 4,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 5,536 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.2891% | 5,603 |
| Net loans and leases to deposits | 59.1301% | 6,143 |
| Net loans and leases to core deposits | 65.9090% | 5,881 |
| Total domestic deposits to total assets | 91.8130% | 320 |
| Equity capital to assets | 7.3149% | 6,992 |
| Core capital (leverage) ratio | 6.8179% | 7,104 |
| Tier 1 risk-based capital ratio | 11.6445% | 5,779 |
| Total risk-based capital ratio | 12.8785% | 5,798 |
| Memoranda: | ||
| Average total assets | $61,240,400 | 6,154 |
| Average earning assets | $55,593,400 | 6,148 |
| Average equity | $4,299,600 | 6,892 |
| Average total loans | $32,351,600 | 6,294 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4753% | 358 |
| Cost of funding earning assets | 1.3276% | 4,054 |
| Net interest margin | 5.1476% | 327 |
| Noninterest income to average assets | 0.4109% | 4,873 |
| Noninterest expense to average assets | 3.8264% | 1,327 |
| Loan and lease loss provision to assets | 0.0963% | 6,060 |
| Net operating income to assets | 0.9138% | 2,554 |
| Return on assets (ROA) | 0.9138% | 2,702 |
| Pretax return on assets | 1.1514% | 2,666 |
| Return on Equity (ROE) | 13.1414% | 1,221 |
| Retained earnings to average equity (ytd only) | 4.9549% | 3,023 |
| Net charge-offs to loans | 0.3518% | 3,896 |
| Credit loss provision to net charge-offs | 52.3256% | 5,852 |
| Earnings coverage of net charge-offs (x) | 6.7793% | 2,451 |
| Efficiency ratio | 75.4112% | 3,056 |
| Assets per employee ($millions) | 3.0469% | 6,039 |
| Cash dividends to net income (ytd only)* | 62.2954% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 3,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 51.4827% | 6,160 |
| Net loans and leases to deposits | 55.9964% | 6,617 |
| Net loans and leases to core deposits | 63.2436% | 6,351 |
| Total domestic deposits to total assets | 91.9392% | 201 |
| Equity capital to assets | 7.2550% | 7,245 |
| Core capital (leverage) ratio | 6.8416% | 7,236 |
| Tier 1 risk-based capital ratio | 11.6514% | 5,784 |
| Total risk-based capital ratio | 12.9139% | 5,750 |
| Memoranda: | ||
| Average total assets | $62,302,250 | 6,180 |
| Average earning assets | $56,439,000 | 6,185 |
| Average equity | $4,332,250 | 6,969 |
| Average total loans | $32,590,250 | 6,361 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6509% | 268 |
| Cost of funding earning assets | 1.3804% | 4,001 |
| Net interest margin | 5.2704% | 256 |
| Noninterest income to average assets | 0.4143% | 4,798 |
| Noninterest expense to average assets | 3.7446% | 1,462 |
| Loan and lease loss provision to assets | 0.1434% | 5,465 |
| Net operating income to assets | 1.0071% | 2,165 |
| Return on assets (ROA) | 1.0071% | 2,242 |
| Pretax return on assets | 1.2716% | 2,183 |
| Return on Equity (ROE) | 14.6886% | 912 |
| Retained earnings to average equity (ytd only) | 6.9259% | 1,871 |
| Net charge-offs to loans | 0.2863% | 3,905 |
| Credit loss provision to net charge-offs | 95.7447% | 4,246 |
| Earnings coverage of net charge-offs (x) | 9.4468% | 2,020 |
| Efficiency ratio | 72.5757% | 3,730 |
| Assets per employee ($millions) | 3.1596% | 5,766 |
| Cash dividends to net income (ytd only)* | 52.8481% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 3,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 6,346 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.1493% | 6,695 |
| Net loans and leases to deposits | 50.8923% | 7,032 |
| Net loans and leases to core deposits | 56.8129% | 6,897 |
| Total domestic deposits to total assets | 92.6452% | 136 |
| Equity capital to assets | 6.6178% | 7,455 |
| Core capital (leverage) ratio | 6.7869% | 7,287 |
| Tier 1 risk-based capital ratio | 11.4248% | 5,847 |
| Total risk-based capital ratio | 12.6763% | 5,812 |
| Memoranda: | ||
| Average total assets | $62,757,330 | 6,207 |
| Average earning assets | $56,504,000 | 6,219 |
| Average equity | $4,302,670 | 7,010 |
| Average total loans | $32,837,330 | 6,389 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7121% | 259 |
| Cost of funding earning assets | 1.4022% | 4,157 |
| Net interest margin | 5.3099% | 241 |
| Noninterest income to average assets | 0.3871% | 5,020 |
| Noninterest expense to average assets | 3.9567% | 1,093 |
| Loan and lease loss provision to assets | 0.1640% | 4,886 |
| Net operating income to assets | 0.8924% | 2,578 |
| Return on assets (ROA) | 0.8924% | 2,652 |
| Pretax return on assets | 1.1614% | 2,505 |
| Return on Equity (ROE) | 12.7745% | 1,304 |
| Retained earnings to average equity (ytd only) | 6.0115% | 2,619 |
| Net charge-offs to loans | 0.3717% | 2,929 |
| Credit loss provision to net charge-offs | 80.6452% | 3,863 |
| Earnings coverage of net charge-offs (x) | 6.5161% | 2,210 |
| Efficiency ratio | 74.9068% | 3,421 |
| Assets per employee ($millions) | 2.9367% | 6,366 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,583 |
| Loan loss allowance to noncurrent loans | 1,137.7778% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 6,547 |
| Noncurrent loans to loans | 0.1378% | 7,060 |
| Net loans and leases to total assets | 52.1210% | 6,258 |
| Net loans and leases to deposits | 56.5460% | 6,727 |
| Net loans and leases to core deposits | 63.7126% | 6,469 |
| Total domestic deposits to total assets | 92.1745% | 213 |
| Equity capital to assets | 6.9548% | 7,391 |
| Core capital (leverage) ratio | 6.7941% | 7,356 |
| Tier 1 risk-based capital ratio | 11.3793% | 5,786 |
| Total risk-based capital ratio | 12.6295% | 5,757 |
| Memoranda: | ||
| Average total assets | $60,960,500 | 6,350 |
| Average earning assets | $56,197,000 | 6,318 |
| Average equity | $4,258,500 | 7,092 |
| Average total loans | $33,356,000 | 6,443 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8360% | 359 |
| Cost of funding earning assets | 1.8230% | 3,868 |
| Net interest margin | 5.0129% | 435 |
| Noninterest income to average assets | 0.8122% | 2,346 |
| Noninterest expense to average assets | 3.9070% | 1,503 |
| Loan and lease loss provision to assets | 0.5535% | 3,601 |
| Net operating income to assets | 0.6300% | 3,220 |
| Return on assets (ROA) | 0.7205% | 2,926 |
| Pretax return on assets | 1.1151% | 2,202 |
| Return on Equity (ROE) | 10.8460% | 1,466 |
| Retained earnings to average equity (ytd only) | 3.1798% | 2,934 |
| Net charge-offs to loans | 0.1548% | 5,718 |
| Credit loss provision to net charge-offs | 650.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 17.9615% | 1,157 |
| Efficiency ratio | 71.8675% | 4,281 |
| Assets per employee ($millions) | 2.7387% | 6,786 |
| Cash dividends to net income (ytd only)* | 70.6818% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 3,618 |
| Loan loss allowance to noncurrent loans | 709.5890% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 6,392 |
| Noncurrent loans to loans | 0.2143% | 6,890 |
| Net loans and leases to total assets | 55.6655% | 6,003 |
| Net loans and leases to deposits | 60.4731% | 6,602 |
| Net loans and leases to core deposits | 90.9138% | 5,028 |
| Total domestic deposits to total assets | 92.0499% | 260 |
| Equity capital to assets | 7.0173% | 7,360 |
| Core capital (leverage) ratio | 6.7361% | 7,395 |
| Tier 1 risk-based capital ratio | 10.9649% | 5,946 |
| Total risk-based capital ratio | 12.2162% | 5,916 |
| Memoranda: | ||
| Average total assets | $61,070,600 | 6,311 |
| Average earning assets | $56,334,200 | 6,277 |
| Average equity | $4,056,800 | 7,265 |
| Average total loans | $33,589,200 | 6,423 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7981% | 419 |
| Cost of funding earning assets | 1.9248% | 3,748 |
| Net interest margin | 4.8733% | 591 |
| Noninterest income to average assets | 0.3873% | 5,415 |
| Noninterest expense to average assets | 3.6903% | 1,844 |
| Loan and lease loss provision to assets | 0.1915% | 5,465 |
| Net operating income to assets | 0.8004% | 2,813 |
| Return on assets (ROA) | 0.9465% | 2,309 |
| Pretax return on assets | 1.1968% | 2,273 |
| Return on Equity (ROE) | 14.4492% | 847 |
| Retained earnings to average equity (ytd only) | 7.2743% | 1,407 |
| Net charge-offs to loans | 0.0080% | 6,852 |
| Credit loss provision to net charge-offs | 4,400.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 276.1461% | 133 |
| Efficiency ratio | 75.4113% | 3,606 |
| Assets per employee ($millions) | 2.7736% | 6,694 |
| Cash dividends to net income (ytd only)* | 49.6543% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,630 |
| Loan loss allowance to noncurrent loans | 42.2872% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 1.5356% | 4,064 |
| Noncurrent loans to loans | 2.2043% | 3,374 |
| Net loans and leases to total assets | 55.3877% | 6,215 |
| Net loans and leases to deposits | 59.9195% | 6,833 |
| Net loans and leases to core deposits | 88.8530% | 5,546 |
| Total domestic deposits to total assets | 92.4368% | 125 |
| Equity capital to assets | 6.7389% | 7,695 |
| Core capital (leverage) ratio | 6.4784% | 7,684 |
| Tier 1 risk-based capital ratio | 10.6707% | 6,272 |
| Total risk-based capital ratio | 11.4945% | 6,681 |
| Memoranda: | ||
| Average total assets | $61,275,500 | 6,344 |
| Average earning assets | $56,661,500 | 6,307 |
| Average equity | $4,014,000 | 7,349 |
| Average total loans | $33,472,250 | 6,482 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8382% | 419 |
| Cost of funding earning assets | 2.0720% | 3,411 |
| Net interest margin | 4.7663% | 706 |
| Noninterest income to average assets | 0.3651% | 5,589 |
| Noninterest expense to average assets | 3.6538% | 1,940 |
| Loan and lease loss provision to assets | 0.1727% | 5,336 |
| Net operating income to assets | 0.7394% | 3,094 |
| Return on assets (ROA) | 0.9583% | 2,351 |
| Pretax return on assets | 1.2092% | 2,271 |
| Return on Equity (ROE) | 14.7689% | 868 |
| Retained earnings to average equity (ytd only) | 8.4896% | 1,071 |
| Net charge-offs to loans | -0.0902% | 7,937 |
| Credit loss provision to net charge-offs | -353.3333% | 7,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7808% | 3,542 |
| Assets per employee ($millions) | 2.9248% | 6,325 |
| Cash dividends to net income (ytd only)* | 42.5170% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 6,726 |
| Loan loss allowance to noncurrent loans | 37.4532% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5402% | 3,917 |
| Noncurrent loans to loans | 2.4275% | 2,981 |
| Net loans and leases to total assets | 53.2342% | 6,542 |
| Net loans and leases to deposits | 58.7241% | 6,979 |
| Net loans and leases to core deposits | 86.3150% | 5,869 |
| Total domestic deposits to total assets | 90.6514% | 573 |
| Equity capital to assets | 6.5922% | 7,792 |
| Core capital (leverage) ratio | 6.3614% | 7,842 |
| Tier 1 risk-based capital ratio | 10.6650% | 6,220 |
| Total risk-based capital ratio | 11.4513% | 6,641 |
| Memoranda: | ||
| Average total assets | $61,361,000 | 6,399 |
| Average earning assets | $56,564,330 | 6,363 |
| Average equity | $3,981,330 | 7,424 |
| Average total loans | $33,258,000 | 6,540 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9866% | 351 |
| Cost of funding earning assets | 2.2198% | 3,060 |
| Net interest margin | 4.7668% | 657 |
| Noninterest income to average assets | 0.3326% | 5,787 |
| Noninterest expense to average assets | 3.6067% | 1,852 |
| Loan and lease loss provision to assets | 0.0652% | 6,132 |
| Net operating income to assets | 0.8479% | 2,916 |
| Return on assets (ROA) | 0.8479% | 3,069 |
| Pretax return on assets | 1.0305% | 3,245 |
| Return on Equity (ROE) | 13.1729% | 1,343 |
| Retained earnings to average equity (ytd only) | 9.5250% | 1,329 |
| Net charge-offs to loans | -0.0599% | 7,752 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6990% | 3,366 |
| Assets per employee ($millions) | 3.2443% | 5,479 |
| Cash dividends to net income (ytd only)* | 27.6923% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 7,327 |
| Loan loss allowance to noncurrent loans | 32.3298% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 1.5396% | 3,627 |
| Noncurrent loans to loans | 2.3016% | 2,856 |
| Net loans and leases to total assets | 50.7767% | 6,787 |
| Net loans and leases to deposits | 55.7535% | 7,171 |
| Net loans and leases to core deposits | 78.3557% | 6,510 |
| Total domestic deposits to total assets | 91.0736% | 391 |
| Equity capital to assets | 6.1539% | 7,967 |
| Core capital (leverage) ratio | 6.2387% | 7,960 |
| Tier 1 risk-based capital ratio | 10.2978% | 6,592 |
| Total risk-based capital ratio | 10.9346% | 7,185 |
| Memoranda: | ||
| Average total assets | $61,331,000 | 6,426 |
| Average earning assets | $56,222,000 | 6,406 |
| Average equity | $3,947,500 | 7,477 |
| Average total loans | $33,388,500 | 6,573 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6887% | 287 |
| Cost of funding earning assets | 2.7091% | 3,121 |
| Net interest margin | 4.9796% | 536 |
| Noninterest income to average assets | 0.3889% | 5,570 |
| Noninterest expense to average assets | 3.7442% | 1,866 |
| Loan and lease loss provision to assets | 0.2496% | 4,423 |
| Net operating income to assets | 0.6078% | 4,271 |
| Return on assets (ROA) | 0.6470% | 3,971 |
| Pretax return on assets | 1.0256% | 3,284 |
| Return on Equity (ROE) | 9.9733% | 2,268 |
| Retained earnings to average equity (ytd only) | 1.3612% | 4,403 |
| Net charge-offs to loans | 0.4597% | 2,531 |
| Credit loss provision to net charge-offs | 94.2308% | 5,562 |
| Earnings coverage of net charge-offs (x) | 4.5833% | 3,929 |
| Efficiency ratio | 75.5137% | 3,325 |
| Assets per employee ($millions) | 2.6262% | 6,947 |
| Cash dividends to net income (ytd only)* | 86.3517% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 7,458 |
| Loan loss allowance to noncurrent loans | 246.8085% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 5,824 |
| Noncurrent loans to loans | 0.2799% | 6,534 |
| Net loans and leases to total assets | 57.7247% | 6,244 |
| Net loans and leases to deposits | 64.0712% | 6,790 |
| Net loans and leases to core deposits | 100.9474% | 4,728 |
| Total domestic deposits to total assets | 90.0945% | 609 |
| Equity capital to assets | 6.7537% | 7,854 |
| Core capital (leverage) ratio | 6.4463% | 7,951 |
| Tier 1 risk-based capital ratio | 10.3769% | 6,338 |
| Total risk-based capital ratio | 10.9943% | 6,932 |
| Memoranda: | ||
| Average total assets | $58,891,000 | 6,418 |
| Average earning assets | $54,040,400 | 6,414 |
| Average equity | $3,820,200 | 7,570 |
| Average total loans | $33,938,200 | 6,490 |