Home > Heritage State Bank > Performance and Condition Ratios
Heritage State Bank, Performance and Condition Ratios
| 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 | 4.5141% | 1,824 |
| Cost of funding earning assets | 0.4791% | 2,974 |
| Net interest margin | 4.0350% | 1,609 |
| Noninterest income to average assets | 0.8029% | 1,445 |
| Noninterest expense to average assets | 3.4335% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0619% | 2,598 |
| Return on assets (ROA) | 0.8085% | 3,681 |
| Pretax return on assets | 0.8085% | 4,123 |
| Return on Equity (ROE) | 9.3787% | 2,726 |
| Retained earnings to average equity (ytd only) | 9.3787% | 1,333 |
| Net charge-offs to loans | -0.1354% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3775% | 1,547 |
| Assets per employee ($millions) | 3.3664% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,701 |
| Loan loss allowance to noncurrent loans | 1,964.0000% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 4,775 |
| Noncurrent loans to loans | 0.0732% | 4,653 |
| Net loans and leases to total assets | 74.9950% | 1,705 |
| Net loans and leases to deposits | 86.2656% | 2,133 |
| Net loans and leases to core deposits | 88.1743% | 2,618 |
| Total domestic deposits to total assets | 86.9350% | 2,153 |
| Equity capital to assets | 9.0868% | 4,468 |
| Core capital (leverage) ratio | 8.8057% | 4,885 |
| Tier 1 risk-based capital ratio | 12.1935% | 4,439 |
| Total risk-based capital ratio | 13.4462% | 4,334 |
| Memoranda: | ||
| Average total assets | $140,498,500 | 3,595 |
| Average earning assets | $128,574,000 | 3,610 |
| Average equity | $12,112,500 | 4,106 |
| Average total loans | $103,404,000 | 3,298 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 1,554 |
| Cost of funding earning assets | 0.5286% | 2,106 |
| Net interest margin | 4.0244% | 1,676 |
| Noninterest income to average assets | 0.8314% | 1,461 |
| Noninterest expense to average assets | 4.3155% | 369 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1890% | 5,131 |
| Return on assets (ROA) | 0.1890% | 5,147 |
| Pretax return on assets | 0.1890% | 5,320 |
| Return on Equity (ROE) | 2.0748% | 5,047 |
| Retained earnings to average equity (ytd only) | -4.5552% | 5,421 |
| Net charge-offs to loans | 0.1421% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.7852% | 3,853 |
| Efficiency ratio | 95.8038% | 255 |
| Assets per employee ($millions) | 3.6585% | 4,494 |
| Cash dividends to net income (ytd only)* | 319.5489% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 1,846 |
| Loan loss allowance to noncurrent loans | 71,900.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,133 |
| Noncurrent loans to loans | 0.0019% | 5,067 |
| Net loans and leases to total assets | 70.3232% | 2,477 |
| Net loans and leases to deposits | 82.7179% | 2,639 |
| Net loans and leases to core deposits | 84.2842% | 3,037 |
| Total domestic deposits to total assets | 85.0157% | 2,829 |
| Equity capital to assets | 8.1926% | 5,307 |
| Core capital (leverage) ratio | 8.3600% | 5,249 |
| Tier 1 risk-based capital ratio | 10.5278% | 5,361 |
| Total risk-based capital ratio | 11.7780% | 5,263 |
| Memoranda: | ||
| Average total assets | $140,724,000 | 3,605 |
| Average earning assets | $128,442,200 | 3,603 |
| Average equity | $12,820,600 | 4,009 |
| Average total loans | $104,885,800 | 3,266 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,437 |
| Cost of funding earning assets | 0.5315% | 2,024 |
| Net interest margin | 4.0422% | 1,562 |
| Noninterest income to average assets | 0.7627% | 1,726 |
| Noninterest expense to average assets | 3.3409% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1120% | 2,035 |
| Return on assets (ROA) | 1.1120% | 2,094 |
| Pretax return on assets | 1.1120% | 3,260 |
| Return on Equity (ROE) | 11.8915% | 1,369 |
| Retained earnings to average equity (ytd only) | 7.2864% | 1,543 |
| Net charge-offs to loans | 0.0229% | 3,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 64.5538% | 949 |
| Efficiency ratio | 75.0269% | 1,736 |
| Assets per employee ($millions) | 3.4750% | 4,761 |
| Cash dividends to net income (ytd only)* | 38.7268% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 1,435 |
| Loan loss allowance to noncurrent loans | 1,112.7660% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,729 |
| Noncurrent loans to loans | 0.1374% | 4,505 |
| Net loans and leases to total assets | 72.6808% | 2,152 |
| Net loans and leases to deposits | 87.5967% | 2,118 |
| Net loans and leases to core deposits | 89.5868% | 2,646 |
| Total domestic deposits to total assets | 82.9721% | 3,461 |
| Equity capital to assets | 9.6726% | 4,272 |
| Core capital (leverage) ratio | 9.4019% | 4,287 |
| Tier 1 risk-based capital ratio | 13.0642% | 3,966 |
| Total risk-based capital ratio | 14.3179% | 3,872 |
| Memoranda: | ||
| Average total assets | $139,320,000 | 3,658 |
| Average earning assets | $127,188,500 | 3,662 |
| Average equity | $13,028,500 | 4,020 |
| Average total loans | $105,020,000 | 3,290 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 1,367 |
| Cost of funding earning assets | 0.5266% | 1,947 |
| Net interest margin | 4.0317% | 1,513 |
| Noninterest income to average assets | 0.7617% | 1,718 |
| Noninterest expense to average assets | 3.3839% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0572% | 2,175 |
| Return on assets (ROA) | 1.0572% | 2,214 |
| Pretax return on assets | 1.0572% | 3,350 |
| Return on Equity (ROE) | 11.4355% | 1,481 |
| Retained earnings to average equity (ytd only) | 6.7806% | 1,696 |
| Net charge-offs to loans | 0.0340% | 2,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 40.9444% | 1,228 |
| Efficiency ratio | 76.1951% | 1,694 |
| Assets per employee ($millions) | 3.4513% | 4,792 |
| Cash dividends to net income (ytd only)* | 40.7056% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.0159% | 2,201 |
| Net loans and leases to deposits | 86.2767% | 2,183 |
| Net loans and leases to core deposits | 88.1873% | 2,684 |
| Total domestic deposits to total assets | 83.4709% | 3,414 |
| Equity capital to assets | 9.3207% | 4,596 |
| Core capital (leverage) ratio | 9.3691% | 4,268 |
| Tier 1 risk-based capital ratio | 13.0513% | 3,965 |
| Total risk-based capital ratio | 14.3051% | 3,880 |
| Memoranda: | ||
| Average total assets | $139,426,330 | 3,675 |
| Average earning assets | $127,242,330 | 3,686 |
| Average equity | $12,889,670 | 4,051 |
| Average total loans | $105,828,000 | 3,283 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,180 |
| Cost of funding earning assets | 0.5268% | 1,884 |
| Net interest margin | 4.0560% | 1,331 |
| Noninterest income to average assets | 0.8151% | 1,500 |
| Noninterest expense to average assets | 3.4540% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0550% | 2,052 |
| Return on assets (ROA) | 1.0550% | 2,099 |
| Pretax return on assets | 1.0550% | 3,155 |
| Return on Equity (ROE) | 11.4600% | 1,415 |
| Retained earnings to average equity (ytd only) | 6.7504% | 1,951 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6026% | 1,817 |
| Assets per employee ($millions) | 3.3577% | 4,984 |
| Cash dividends to net income (ytd only)* | 41.0959% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 75.5664% | 1,485 |
| Net loans and leases to deposits | 90.7331% | 1,461 |
| Net loans and leases to core deposits | 92.3890% | 2,128 |
| Total domestic deposits to total assets | 83.2843% | 3,739 |
| Equity capital to assets | 9.3639% | 4,429 |
| Core capital (leverage) ratio | 9.2739% | 4,376 |
| Tier 1 risk-based capital ratio | 12.6402% | 4,297 |
| Total risk-based capital ratio | 13.8941% | 4,201 |
| Memoranda: | ||
| Average total assets | $138,388,500 | 3,719 |
| Average earning assets | $126,036,500 | 3,737 |
| Average equity | $12,740,000 | 4,100 |
| Average total loans | $107,005,500 | 3,288 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 1,118 |
| Cost of funding earning assets | 0.5362% | 1,817 |
| Net interest margin | 4.1336% | 1,292 |
| Noninterest income to average assets | 0.7381% | 2,002 |
| Noninterest expense to average assets | 3.6053% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8815% | 2,921 |
| Return on assets (ROA) | 0.8953% | 2,970 |
| Pretax return on assets | 0.8953% | 3,864 |
| Return on Equity (ROE) | 9.7250% | 2,092 |
| Retained earnings to average equity (ytd only) | 2.0162% | 4,391 |
| Net charge-offs to loans | 0.0179% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 63.7368% | 854 |
| Efficiency ratio | 80.3537% | 1,378 |
| Assets per employee ($millions) | 4.2155% | 3,596 |
| Cash dividends to net income (ytd only)* | 79.2683% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 1,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 76.7774% | 1,397 |
| Net loans and leases to deposits | 92.1360% | 1,437 |
| Net loans and leases to core deposits | 93.7964% | 2,126 |
| Total domestic deposits to total assets | 83.3305% | 3,651 |
| Equity capital to assets | 9.0497% | 4,765 |
| Core capital (leverage) ratio | 9.2214% | 4,452 |
| Tier 1 risk-based capital ratio | 12.1241% | 4,645 |
| Total risk-based capital ratio | 13.3776% | 4,516 |
| Memoranda: | ||
| Average total assets | $137,381,000 | 3,712 |
| Average earning assets | $124,588,200 | 3,742 |
| Average equity | $12,647,800 | 4,146 |
| Average total loans | $106,070,600 | 3,270 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,133 |
| Cost of funding earning assets | 0.5395% | 1,795 |
| Net interest margin | 4.1314% | 1,305 |
| Noninterest income to average assets | 0.7545% | 1,947 |
| Noninterest expense to average assets | 3.6052% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8918% | 2,950 |
| Return on assets (ROA) | 0.9103% | 2,983 |
| Pretax return on assets | 0.9103% | 3,945 |
| Return on Equity (ROE) | 9.8451% | 2,118 |
| Retained earnings to average equity (ytd only) | 3.7906% | 3,617 |
| Net charge-offs to loans | 0.0240% | 3,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 48.2156% | 1,107 |
| Efficiency ratio | 80.1689% | 1,420 |
| Assets per employee ($millions) | 3.8461% | 4,223 |
| Cash dividends to net income (ytd only)* | 61.4973% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.2048% | 1,157 |
| Net loans and leases to deposits | 98.6303% | 800 |
| Net loans and leases to core deposits | 100.5588% | 1,580 |
| Total domestic deposits to total assets | 79.2909% | 4,658 |
| Equity capital to assets | 9.5630% | 4,598 |
| Core capital (leverage) ratio | 9.2713% | 4,503 |
| Tier 1 risk-based capital ratio | 12.4452% | 4,507 |
| Total risk-based capital ratio | 13.6993% | 4,402 |
| Memoranda: | ||
| Average total assets | $136,948,750 | 3,741 |
| Average earning assets | $124,055,250 | 3,776 |
| Average equity | $12,662,500 | 4,181 |
| Average total loans | $105,490,000 | 3,295 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 1,229 |
| Cost of funding earning assets | 0.5374% | 1,799 |
| Net interest margin | 4.0856% | 1,401 |
| Noninterest income to average assets | 0.7537% | 1,917 |
| Noninterest expense to average assets | 3.5200% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9323% | 2,715 |
| Return on assets (ROA) | 0.9584% | 2,735 |
| Pretax return on assets | 0.9584% | 3,750 |
| Return on Equity (ROE) | 10.4826% | 1,856 |
| Retained earnings to average equity (ytd only) | 4.5266% | 3,030 |
| Net charge-offs to loans | 0.0362% | 2,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.7895% | 1,295 |
| Efficiency ratio | 79.0607% | 1,628 |
| Assets per employee ($millions) | 3.9049% | 4,086 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 76.7608% | 1,373 |
| Net loans and leases to deposits | 95.9949% | 1,079 |
| Net loans and leases to core deposits | 97.5961% | 1,848 |
| Total domestic deposits to total assets | 79.9634% | 4,560 |
| Equity capital to assets | 9.3781% | 4,885 |
| Core capital (leverage) ratio | 9.2657% | 4,502 |
| Tier 1 risk-based capital ratio | 12.3548% | 4,613 |
| Total risk-based capital ratio | 13.6084% | 4,534 |
| Memoranda: | ||
| Average total assets | $137,727,670 | 3,755 |
| Average earning assets | $124,682,000 | 3,786 |
| Average equity | $12,592,330 | 4,217 |
| Average total loans | $105,033,000 | 3,320 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 1,240 |
| Cost of funding earning assets | 0.5410% | 1,784 |
| Net interest margin | 4.0686% | 1,426 |
| Noninterest income to average assets | 0.6712% | 2,167 |
| Noninterest expense to average assets | 3.5904% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7580% | 3,447 |
| Return on assets (ROA) | 0.8101% | 3,316 |
| Pretax return on assets | 0.8101% | 4,162 |
| Return on Equity (ROE) | 8.9744% | 2,438 |
| Retained earnings to average equity (ytd only) | 3.3654% | 3,817 |
| Net charge-offs to loans | 0.0729% | 1,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 13.7895% | 1,724 |
| Efficiency ratio | 82.5682% | 1,312 |
| Assets per employee ($millions) | 4.3663% | 3,295 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 1,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.1751% | 1,367 |
| Net loans and leases to deposits | 94.3382% | 1,108 |
| Net loans and leases to core deposits | 95.9081% | 1,812 |
| Total domestic deposits to total assets | 80.7468% | 4,568 |
| Equity capital to assets | 9.2912% | 4,895 |
| Core capital (leverage) ratio | 9.0256% | 4,821 |
| Tier 1 risk-based capital ratio | 12.3217% | 4,713 |
| Total risk-based capital ratio | 13.5760% | 4,606 |
| Memoranda: | ||
| Average total assets | $138,256,500 | 3,775 |
| Average earning assets | $124,958,000 | 3,807 |
| Average equity | $12,480,000 | 4,244 |
| Average total loans | $104,301,500 | 3,346 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 1,247 |
| Cost of funding earning assets | 0.5552% | 1,718 |
| Net interest margin | 4.0801% | 1,459 |
| Noninterest income to average assets | 0.7597% | 1,934 |
| Noninterest expense to average assets | 3.3148% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1123% | 1,866 |
| Return on assets (ROA) | 1.1123% | 1,929 |
| Pretax return on assets | 1.1292% | 2,927 |
| Return on Equity (ROE) | 12.3802% | 1,212 |
| Retained earnings to average equity (ytd only) | 4.5555% | 2,741 |
| Net charge-offs to loans | 0.0116% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 127.8333% | 473 |
| Efficiency ratio | 74.5900% | 2,492 |
| Assets per employee ($millions) | 4.5535% | 2,956 |
| Cash dividends to net income (ytd only)* | 63.2032% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 1,817 |
| Loan loss allowance to noncurrent loans | 4,866.6667% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 5,370 |
| Noncurrent loans to loans | 0.0318% | 5,383 |
| Net loans and leases to total assets | 72.4743% | 1,974 |
| Net loans and leases to deposits | 87.8417% | 1,895 |
| Net loans and leases to core deposits | 89.4039% | 2,458 |
| Total domestic deposits to total assets | 82.5055% | 4,017 |
| Equity capital to assets | 8.7731% | 5,336 |
| Core capital (leverage) ratio | 8.9477% | 4,945 |
| Tier 1 risk-based capital ratio | 12.2484% | 4,799 |
| Total risk-based capital ratio | 13.5025% | 4,691 |
| Memoranda: | ||
| Average total assets | $135,846,600 | 3,792 |
| Average earning assets | $122,667,400 | 3,824 |
| Average equity | $12,205,000 | 4,266 |
| Average total loans | $103,031,800 | 3,332 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 1,220 |
| Cost of funding earning assets | 0.5618% | 1,699 |
| Net interest margin | 4.0836% | 1,447 |
| Noninterest income to average assets | 0.7741% | 1,906 |
| Noninterest expense to average assets | 3.2352% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2132% | 1,606 |
| Return on assets (ROA) | 1.2132% | 1,672 |
| Pretax return on assets | 1.2350% | 2,679 |
| Return on Equity (ROE) | 13.4204% | 1,023 |
| Retained earnings to average equity (ytd only) | 7.3352% | 1,529 |
| Net charge-offs to loans | 0.0156% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 103.8306% | 603 |
| Efficiency ratio | 72.3725% | 2,813 |
| Assets per employee ($millions) | 4.0952% | 3,712 |
| Cash dividends to net income (ytd only)* | 45.3430% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 1,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 5,594 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.9906% | 1,545 |
| Net loans and leases to deposits | 91.9912% | 1,405 |
| Net loans and leases to core deposits | 93.2876% | 2,148 |
| Total domestic deposits to total assets | 81.5193% | 4,318 |
| Equity capital to assets | 9.2392% | 5,067 |
| Core capital (leverage) ratio | 9.1839% | 4,748 |
| Tier 1 risk-based capital ratio | 12.5325% | 4,737 |
| Total risk-based capital ratio | 13.7870% | 4,635 |
| Memoranda: | ||
| Average total assets | $134,518,500 | 3,853 |
| Average earning assets | $121,752,500 | 3,885 |
| Average equity | $12,160,250 | 4,322 |
| Average total loans | $102,812,250 | 3,373 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6307% | 1,213 |
| Cost of funding earning assets | 0.5661% | 1,676 |
| Net interest margin | 4.0646% | 1,462 |
| Noninterest income to average assets | 0.7043% | 2,196 |
| Noninterest expense to average assets | 3.1896% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1660% | 1,719 |
| Return on assets (ROA) | 1.1660% | 1,787 |
| Pretax return on assets | 1.1928% | 2,805 |
| Return on Equity (ROE) | 12.9940% | 1,116 |
| Retained earnings to average equity (ytd only) | 7.1028% | 1,654 |
| Net charge-offs to loans | 0.0214% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 72.8182% | 759 |
| Efficiency ratio | 72.7829% | 2,881 |
| Assets per employee ($millions) | 4.0080% | 3,871 |
| Cash dividends to net income (ytd only)* | 45.3384% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 2,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 5,126 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 76.2341% | 1,335 |
| Net loans and leases to deposits | 93.6569% | 1,183 |
| Net loans and leases to core deposits | 95.0044% | 1,878 |
| Total domestic deposits to total assets | 81.3972% | 4,484 |
| Equity capital to assets | 9.2035% | 5,012 |
| Core capital (leverage) ratio | 9.0476% | 4,893 |
| Tier 1 risk-based capital ratio | 9.0480% | 6,252 |
| Total risk-based capital ratio | 10.2552% | 6,236 |
| Memoranda: | ||
| Average total assets | $134,311,000 | 3,887 |
| Average earning assets | $121,537,000 | 3,921 |
| Average equity | $12,051,670 | 4,371 |
| Average total loans | $102,766,670 | 3,385 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 1,198 |
| Cost of funding earning assets | 0.5654% | 1,702 |
| Net interest margin | 4.0431% | 1,427 |
| Noninterest income to average assets | 0.6591% | 2,364 |
| Noninterest expense to average assets | 3.1241% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1911% | 1,578 |
| Return on assets (ROA) | 1.1911% | 1,673 |
| Pretax return on assets | 1.1911% | 2,709 |
| Return on Equity (ROE) | 13.4434% | 997 |
| Retained earnings to average equity (ytd only) | 13.4434% | 402 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3973% | 3,108 |
| Assets per employee ($millions) | 4.0856% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 2,092 |
| Loan loss allowance to noncurrent loans | 14,709.0909% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 5,191 |
| Noncurrent loans to loans | 0.0108% | 5,762 |
| Net loans and leases to total assets | 74.3536% | 1,449 |
| Net loans and leases to deposits | 90.9477% | 1,299 |
| Net loans and leases to core deposits | 93.5132% | 1,808 |
| Total domestic deposits to total assets | 81.7543% | 4,586 |
| Equity capital to assets | 9.0910% | 5,202 |
| Core capital (leverage) ratio | 8.8599% | 5,127 |
| Tier 1 risk-based capital ratio | 8.8599% | 6,325 |
| Total risk-based capital ratio | 10.0538% | 6,326 |
| Memoranda: | ||
| Average total assets | $135,334,000 | 3,894 |
| Average earning assets | $122,381,500 | 3,933 |
| Average equity | $11,991,000 | 4,412 |
| Average total loans | $102,931,000 | 3,396 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,377 |
| Cost of funding earning assets | 0.6125% | 1,658 |
| Net interest margin | 4.0551% | 1,721 |
| Noninterest income to average assets | 0.7466% | 2,087 |
| Noninterest expense to average assets | 3.3433% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0812% | 2,051 |
| Return on assets (ROA) | 1.0812% | 2,102 |
| Pretax return on assets | 1.0812% | 3,162 |
| Return on Equity (ROE) | 12.3992% | 1,294 |
| Retained earnings to average equity (ytd only) | 4.9192% | 2,659 |
| Net charge-offs to loans | -0.0020% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5636% | 2,583 |
| Assets per employee ($millions) | 4.6842% | 2,751 |
| Cash dividends to net income (ytd only)* | 60.3265% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 2,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 5,309 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.3655% | 1,357 |
| Net loans and leases to deposits | 91.5757% | 1,332 |
| Net loans and leases to core deposits | 92.8388% | 2,009 |
| Total domestic deposits to total assets | 82.2986% | 4,312 |
| Equity capital to assets | 8.6314% | 5,622 |
| Core capital (leverage) ratio | 8.7483% | 5,295 |
| Tier 1 risk-based capital ratio | 11.7168% | 5,536 |
| Total risk-based capital ratio | 12.9713% | 5,440 |
| Memoranda: | ||
| Average total assets | $130,319,200 | 3,966 |
| Average earning assets | $118,198,000 | 4,003 |
| Average equity | $11,363,600 | 4,483 |
| Average total loans | $97,719,400 | 3,472 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 1,372 |
| Cost of funding earning assets | 0.6280% | 1,615 |
| Net interest margin | 4.0448% | 1,739 |
| Noninterest income to average assets | 0.7352% | 2,153 |
| Noninterest expense to average assets | 3.3535% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0620% | 2,189 |
| Return on assets (ROA) | 1.0620% | 2,255 |
| Pretax return on assets | 1.0516% | 3,373 |
| Return on Equity (ROE) | 12.1465% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.8242% | 1,912 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1268% | 2,473 |
| Assets per employee ($millions) | 4.5157% | 2,945 |
| Cash dividends to net income (ytd only)* | 43.8173% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 2,240 |
| Loan loss allowance to noncurrent loans | 13,466.6667% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 5,587 |
| Noncurrent loans to loans | 0.0120% | 5,987 |
| Net loans and leases to total assets | 75.0739% | 1,354 |
| Net loans and leases to deposits | 96.4051% | 850 |
| Net loans and leases to core deposits | 98.3543% | 1,499 |
| Total domestic deposits to total assets | 77.8733% | 5,557 |
| Equity capital to assets | 8.9206% | 5,438 |
| Core capital (leverage) ratio | 8.9976% | 5,074 |
| Tier 1 risk-based capital ratio | 12.2065% | 5,361 |
| Total risk-based capital ratio | 13.4622% | 5,273 |
| Memoranda: | ||
| Average total assets | $128,938,500 | 4,030 |
| Average earning assets | $116,987,500 | 4,059 |
| Average equity | $11,273,250 | 4,535 |
| Average total loans | $96,150,250 | 3,526 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 1,396 |
| Cost of funding earning assets | 0.6507% | 1,510 |
| Net interest margin | 4.0007% | 1,799 |
| Noninterest income to average assets | 0.7141% | 2,213 |
| Noninterest expense to average assets | 3.3368% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0166% | 2,261 |
| Return on assets (ROA) | 1.0166% | 2,327 |
| Pretax return on assets | 1.0010% | 3,473 |
| Return on Equity (ROE) | 11.7087% | 1,516 |
| Retained earnings to average equity (ytd only) | 6.3213% | 2,143 |
| Net charge-offs to loans | -0.0126% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9231% | 2,465 |
| Assets per employee ($millions) | 4.2870% | 3,295 |
| Cash dividends to net income (ytd only)* | 46.0123% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 2,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 5,719 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 74.3902% | 1,390 |
| Net loans and leases to deposits | 90.6665% | 1,305 |
| Net loans and leases to core deposits | 91.5584% | 1,968 |
| Total domestic deposits to total assets | 82.0482% | 4,632 |
| Equity capital to assets | 8.9044% | 5,403 |
| Core capital (leverage) ratio | 8.9692% | 5,065 |
| Tier 1 risk-based capital ratio | 12.3446% | 5,338 |
| Total risk-based capital ratio | 13.6006% | 5,251 |
| Memoranda: | ||
| Average total assets | $128,266,330 | 4,068 |
| Average earning assets | $116,179,330 | 4,105 |
| Average equity | $11,137,000 | 4,573 |
| Average total loans | $94,890,670 | 3,565 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,491 |
| Cost of funding earning assets | 0.6559% | 1,548 |
| Net interest margin | 3.9492% | 1,931 |
| Noninterest income to average assets | 0.6370% | 2,534 |
| Noninterest expense to average assets | 3.2695% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9399% | 2,454 |
| Return on assets (ROA) | 0.9399% | 2,527 |
| Pretax return on assets | 0.9399% | 3,556 |
| Return on Equity (ROE) | 10.9659% | 1,692 |
| Retained earnings to average equity (ytd only) | 5.5012% | 2,788 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6706% | 2,521 |
| Assets per employee ($millions) | 4.2714% | 3,400 |
| Cash dividends to net income (ytd only)* | 49.8339% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 2,318 |
| Loan loss allowance to noncurrent loans | 2,448.4848% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 5,636 |
| Noncurrent loans to loans | 0.0699% | 5,931 |
| Net loans and leases to total assets | 72.4678% | 1,501 |
| Net loans and leases to deposits | 87.0830% | 1,457 |
| Net loans and leases to core deposits | 88.7705% | 2,020 |
| Total domestic deposits to total assets | 83.2169% | 4,528 |
| Equity capital to assets | 8.7271% | 5,422 |
| Core capital (leverage) ratio | 8.9168% | 5,121 |
| Tier 1 risk-based capital ratio | 12.5544% | 5,281 |
| Total risk-based capital ratio | 13.8110% | 5,217 |
| Memoranda: | ||
| Average total assets | $128,094,000 | 4,100 |
| Average earning assets | $115,871,500 | 4,144 |
| Average equity | $10,979,500 | 4,621 |
| Average total loans | $93,688,000 | 3,614 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 1,152 |
| Cost of funding earning assets | 0.7202% | 1,675 |
| Net interest margin | 4.1507% | 1,498 |
| Noninterest income to average assets | 0.8681% | 1,794 |
| Noninterest expense to average assets | 3.4178% | 1,844 |
| Loan and lease loss provision to assets | 0.0491% | 4,149 |
| Net operating income to assets | 1.1324% | 1,824 |
| Return on assets (ROA) | 1.1431% | 1,849 |
| Pretax return on assets | 1.1373% | 2,818 |
| Return on Equity (ROE) | 12.7482% | 1,222 |
| Retained earnings to average equity (ytd only) | 3.0296% | 4,080 |
| Net charge-offs to loans | 0.1712% | 3,116 |
| Credit loss provision to net charge-offs | 39.2157% | 4,061 |
| Earnings coverage of net charge-offs (x) | 9.3922% | 2,512 |
| Efficiency ratio | 74.4033% | 3,061 |
| Assets per employee ($millions) | 4.1305% | 3,575 |
| Cash dividends to net income (ytd only)* | 76.2348% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 2,269 |
| Loan loss allowance to noncurrent loans | 4,367.5676% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 5,796 |
| Noncurrent loans to loans | 0.0398% | 6,126 |
| Net loans and leases to total assets | 71.2887% | 1,793 |
| Net loans and leases to deposits | 85.7528% | 1,718 |
| Net loans and leases to core deposits | 87.4141% | 2,300 |
| Total domestic deposits to total assets | 83.1328% | 4,501 |
| Equity capital to assets | 8.4157% | 5,674 |
| Core capital (leverage) ratio | 8.9325% | 5,106 |
| Tier 1 risk-based capital ratio | 12.4966% | 5,293 |
| Total risk-based capital ratio | 13.7532% | 5,243 |
| Memoranda: | ||
| Average total assets | $122,214,600 | 4,232 |
| Average earning assets | $109,691,400 | 4,269 |
| Average equity | $10,958,400 | 4,643 |
| Average total loans | $89,365,800 | 3,703 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 1,128 |
| Cost of funding earning assets | 0.7353% | 1,704 |
| Net interest margin | 4.1628% | 1,445 |
| Noninterest income to average assets | 0.7398% | 2,417 |
| Noninterest expense to average assets | 3.4073% | 1,809 |
| Loan and lease loss provision to assets | 0.0662% | 3,729 |
| Net operating income to assets | 1.0114% | 2,334 |
| Return on assets (ROA) | 1.0290% | 2,343 |
| Pretax return on assets | 1.0158% | 3,447 |
| Return on Equity (ROE) | 11.2926% | 1,709 |
| Retained earnings to average equity (ytd only) | 3.2351% | 4,378 |
| Net charge-offs to loans | 0.2245% | 2,464 |
| Credit loss provision to net charge-offs | 40.2685% | 3,700 |
| Earnings coverage of net charge-offs (x) | 6.4698% | 2,967 |
| Efficiency ratio | 76.1975% | 2,704 |
| Assets per employee ($millions) | 3.9480% | 3,941 |
| Cash dividends to net income (ytd only)* | 71.3513% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 2,353 |
| Loan loss allowance to noncurrent loans | 4,378.3784% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 5,040 |
| Noncurrent loans to loans | 0.0408% | 6,222 |
| Net loans and leases to total assets | 72.8558% | 1,473 |
| Net loans and leases to deposits | 93.0218% | 900 |
| Net loans and leases to core deposits | 95.0273% | 1,471 |
| Total domestic deposits to total assets | 78.3212% | 5,855 |
| Equity capital to assets | 8.7052% | 5,512 |
| Core capital (leverage) ratio | 9.0235% | 5,094 |
| Tier 1 risk-based capital ratio | 12.5621% | 5,418 |
| Total risk-based capital ratio | 13.8191% | 5,359 |
| Memoranda: | ||
| Average total assets | $120,756,500 | 4,310 |
| Average earning assets | $108,258,750 | 4,349 |
| Average equity | $11,004,000 | 4,685 |
| Average total loans | $88,482,500 | 3,747 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 1,132 |
| Cost of funding earning assets | 0.7538% | 1,679 |
| Net interest margin | 4.1303% | 1,463 |
| Noninterest income to average assets | 0.7503% | 2,412 |
| Noninterest expense to average assets | 3.3923% | 1,841 |
| Loan and lease loss provision to assets | 0.0998% | 3,129 |
| Net operating income to assets | 0.9716% | 2,458 |
| Return on assets (ROA) | 0.9999% | 2,469 |
| Pretax return on assets | 0.9783% | 3,608 |
| Return on Equity (ROE) | 10.8087% | 1,877 |
| Retained earnings to average equity (ytd only) | 1.5467% | 5,252 |
| Net charge-offs to loans | 0.3853% | 1,677 |
| Credit loss provision to net charge-offs | 35.5030% | 3,495 |
| Earnings coverage of net charge-offs (x) | 3.7337% | 3,319 |
| Efficiency ratio | 76.3670% | 2,730 |
| Assets per employee ($millions) | 4.0320% | 3,727 |
| Cash dividends to net income (ytd only)* | 85.6905% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 2,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 5,176 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 71.9550% | 1,583 |
| Net loans and leases to deposits | 91.8508% | 977 |
| Net loans and leases to core deposits | 93.7686% | 1,539 |
| Total domestic deposits to total assets | 78.3389% | 5,913 |
| Equity capital to assets | 8.9410% | 5,279 |
| Core capital (leverage) ratio | 9.0681% | 4,881 |
| Tier 1 risk-based capital ratio | 12.5799% | 5,445 |
| Total risk-based capital ratio | 13.8376% | 5,378 |
| Memoranda: | ||
| Average total assets | $120,213,000 | 4,344 |
| Average earning assets | $107,451,000 | 4,402 |
| Average equity | $11,120,670 | 4,703 |
| Average total loans | $87,714,670 | 3,778 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 990 |
| Cost of funding earning assets | 0.7814% | 1,636 |
| Net interest margin | 4.1586% | 1,305 |
| Noninterest income to average assets | 0.7210% | 2,479 |
| Noninterest expense to average assets | 3.4379% | 1,744 |
| Loan and lease loss provision to assets | 0.1502% | 2,364 |
| Net operating income to assets | 0.8812% | 2,744 |
| Return on assets (ROA) | 0.9379% | 2,624 |
| Pretax return on assets | 0.8845% | 3,815 |
| Return on Equity (ROE) | 9.9703% | 2,070 |
| Retained earnings to average equity (ytd only) | -2.9804% | 6,188 |
| Net charge-offs to loans | 0.2659% | 1,894 |
| Credit loss provision to net charge-offs | 77.5862% | 2,190 |
| Earnings coverage of net charge-offs (x) | 5.0517% | 2,417 |
| Efficiency ratio | 77.8534% | 2,628 |
| Assets per employee ($millions) | 4.2422% | 3,449 |
| Cash dividends to net income (ytd only)* | 129.8932% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 2,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 4,625 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 71.0703% | 1,508 |
| Net loans and leases to deposits | 88.9463% | 1,055 |
| Net loans and leases to core deposits | 89.8341% | 1,712 |
| Total domestic deposits to total assets | 79.9025% | 5,775 |
| Equity capital to assets | 9.4611% | 4,905 |
| Core capital (leverage) ratio | 9.0755% | 4,756 |
| Tier 1 risk-based capital ratio | 12.6565% | 5,465 |
| Total risk-based capital ratio | 13.9159% | 5,414 |
| Memoranda: | ||
| Average total assets | $119,840,000 | 4,401 |
| Average earning assets | $106,477,000 | 4,462 |
| Average equity | $11,273,500 | 4,724 |
| Average total loans | $87,254,000 | 3,804 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 756 |
| Cost of funding earning assets | 0.8885% | 2,001 |
| Net interest margin | 4.5115% | 926 |
| Noninterest income to average assets | 0.7518% | 2,486 |
| Noninterest expense to average assets | 3.3602% | 2,151 |
| Loan and lease loss provision to assets | 0.1534% | 3,693 |
| Net operating income to assets | 1.2556% | 1,434 |
| Return on assets (ROA) | 1.2871% | 1,492 |
| Pretax return on assets | 1.2906% | 2,449 |
| Return on Equity (ROE) | 13.7248% | 1,050 |
| Retained earnings to average equity (ytd only) | 7.4532% | 1,357 |
| Net charge-offs to loans | 0.0300% | 5,486 |
| Credit loss provision to net charge-offs | 692.3077% | 355 |
| Earnings coverage of net charge-offs (x) | 63.7308% | 562 |
| Efficiency ratio | 70.2625% | 3,758 |
| Assets per employee ($millions) | 4.4777% | 3,001 |
| Cash dividends to net income (ytd only)* | 45.6954% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 2,187 |
| Loan loss allowance to noncurrent loans | 904.2328% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 4,595 |
| Noncurrent loans to loans | 0.2138% | 5,939 |
| Net loans and leases to total assets | 71.7003% | 1,532 |
| Net loans and leases to deposits | 89.8774% | 1,086 |
| Net loans and leases to core deposits | 91.4746% | 1,679 |
| Total domestic deposits to total assets | 79.7757% | 5,725 |
| Equity capital to assets | 9.3541% | 5,069 |
| Core capital (leverage) ratio | 9.2733% | 4,463 |
| Tier 1 risk-based capital ratio | 12.6008% | 5,397 |
| Total risk-based capital ratio | 13.8697% | 5,334 |
| Memoranda: | ||
| Average total assets | $117,313,600 | 4,415 |
| Average earning assets | $104,554,400 | 4,480 |
| Average equity | $11,002,000 | 4,762 |
| Average total loans | $86,576,000 | 3,831 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 652 |
| Cost of funding earning assets | 0.9189% | 2,052 |
| Net interest margin | 4.6008% | 816 |
| Noninterest income to average assets | 0.7330% | 2,552 |
| Noninterest expense to average assets | 3.3522% | 2,125 |
| Loan and lease loss provision to assets | 0.1546% | 3,591 |
| Net operating income to assets | 1.3251% | 1,385 |
| Return on assets (ROA) | 1.3675% | 1,426 |
| Pretax return on assets | 1.3686% | 2,347 |
| Return on Equity (ROE) | 14.5714% | 985 |
| Retained earnings to average equity (ytd only) | 9.2017% | 1,155 |
| Net charge-offs to loans | 0.0480% | 4,979 |
| Credit loss provision to net charge-offs | 435.4839% | 618 |
| Earnings coverage of net charge-offs (x) | 41.7121% | 853 |
| Efficiency ratio | 69.1706% | 3,852 |
| Assets per employee ($millions) | 4.2667% | 3,344 |
| Cash dividends to net income (ytd only)* | 36.8508% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 2,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 5,028 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 73.7018% | 1,290 |
| Net loans and leases to deposits | 95.4719% | 692 |
| Net loans and leases to core deposits | 97.7065% | 1,286 |
| Total domestic deposits to total assets | 77.1974% | 6,205 |
| Equity capital to assets | 9.7976% | 4,787 |
| Core capital (leverage) ratio | 9.1356% | 4,857 |
| Tier 1 risk-based capital ratio | 12.7110% | 5,467 |
| Total risk-based capital ratio | 13.9702% | 5,423 |
| Memoranda: | ||
| Average total assets | $116,417,250 | 4,478 |
| Average earning assets | $103,746,500 | 4,550 |
| Average equity | $10,925,250 | 4,821 |
| Average total loans | $86,121,500 | 3,885 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5205% | 688 |
| Cost of funding earning assets | 0.9294% | 2,191 |
| Net interest margin | 4.5912% | 843 |
| Noninterest income to average assets | 0.6951% | 2,701 |
| Noninterest expense to average assets | 3.3042% | 2,289 |
| Loan and lease loss provision to assets | 0.1541% | 3,594 |
| Net operating income to assets | 1.3439% | 1,322 |
| Return on assets (ROA) | 1.4073% | 1,313 |
| Pretax return on assets | 1.4021% | 2,188 |
| Return on Equity (ROE) | 15.2156% | 900 |
| Retained earnings to average equity (ytd only) | 9.8476% | 1,013 |
| Net charge-offs to loans | 0.0698% | 4,453 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 29.0667% | 1,094 |
| Efficiency ratio | 68.7009% | 3,999 |
| Assets per employee ($millions) | 4.9090% | 2,281 |
| Cash dividends to net income (ytd only)* | 35.2798% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8143% | 2,804 |
| Loan loss allowance to noncurrent loans | 1,233.5878% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 4,994 |
| Noncurrent loans to loans | 0.1471% | 6,295 |
| Net loans and leases to total assets | 74.2285% | 1,214 |
| Net loans and leases to deposits | 99.0004% | 470 |
| Net loans and leases to core deposits | 101.3208% | 1,017 |
| Total domestic deposits to total assets | 74.9779% | 6,592 |
| Equity capital to assets | 9.3867% | 5,210 |
| Core capital (leverage) ratio | 8.9627% | 4,962 |
| Tier 1 risk-based capital ratio | 12.1242% | 5,851 |
| Total risk-based capital ratio | 13.3824% | 5,821 |
| Memoranda: | ||
| Average total assets | $116,822,330 | 4,488 |
| Average earning assets | $104,373,670 | 4,554 |
| Average equity | $10,804,670 | 4,857 |
| Average total loans | $85,973,330 | 3,909 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 516 |
| Cost of funding earning assets | 0.9379% | 2,389 |
| Net interest margin | 4.7665% | 608 |
| Noninterest income to average assets | 0.6396% | 2,991 |
| Noninterest expense to average assets | 3.2701% | 2,385 |
| Loan and lease loss provision to assets | 0.1547% | 3,440 |
| Net operating income to assets | 1.4820% | 1,054 |
| Return on assets (ROA) | 1.6093% | 949 |
| Pretax return on assets | 1.5886% | 1,608 |
| Return on Equity (ROE) | 17.5322% | 603 |
| Retained earnings to average equity (ytd only) | 17.5322% | 283 |
| Net charge-offs to loans | 0.0758% | 3,744 |
| Credit loss provision to net charge-offs | 281.2500% | 1,041 |
| Earnings coverage of net charge-offs (x) | 29.3750% | 935 |
| Efficiency ratio | 66.7136% | 4,421 |
| Assets per employee ($millions) | 4.2790% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 2,770 |
| Loan loss allowance to noncurrent loans | 3,234.6939% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 5,229 |
| Noncurrent loans to loans | 0.0578% | 6,612 |
| Net loans and leases to total assets | 71.9786% | 1,404 |
| Net loans and leases to deposits | 90.9458% | 877 |
| Net loans and leases to core deposits | 94.3327% | 1,439 |
| Total domestic deposits to total assets | 79.1445% | 6,042 |
| Equity capital to assets | 9.4198% | 4,923 |
| Core capital (leverage) ratio | 8.9971% | 4,847 |
| Tier 1 risk-based capital ratio | 12.4105% | 5,679 |
| Total risk-based capital ratio | 13.6683% | 5,633 |
| Memoranda: | ||
| Average total assets | $116,325,500 | 4,533 |
| Average earning assets | $103,639,000 | 4,613 |
| Average equity | $10,677,500 | 4,891 |
| Average total loans | $84,425,500 | 3,994 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6067% | 939 |
| Cost of funding earning assets | 1.0751% | 2,845 |
| Net interest margin | 4.5316% | 1,066 |
| Noninterest income to average assets | 1.2248% | 873 |
| Noninterest expense to average assets | 3.8257% | 1,297 |
| Loan and lease loss provision to assets | 0.2932% | 3,314 |
| Net operating income to assets | 1.1250% | 1,741 |
| Return on assets (ROA) | 1.1250% | 1,861 |
| Pretax return on assets | 1.1259% | 2,741 |
| Return on Equity (ROE) | 12.1169% | 1,375 |
| Retained earnings to average equity (ytd only) | 2.9898% | 4,102 |
| Net charge-offs to loans | 0.1766% | 4,735 |
| Credit loss provision to net charge-offs | 226.9504% | 1,070 |
| Earnings coverage of net charge-offs (x) | 10.9858% | 1,772 |
| Efficiency ratio | 72.7686% | 3,435 |
| Assets per employee ($millions) | 4.6847% | 2,626 |
| Cash dividends to net income (ytd only)* | 75.3257% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 2,717 |
| Loan loss allowance to noncurrent loans | 1,767.0455% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 5,313 |
| Noncurrent loans to loans | 0.1046% | 6,550 |
| Net loans and leases to total assets | 70.4862% | 1,937 |
| Net loans and leases to deposits | 88.2598% | 1,347 |
| Net loans and leases to core deposits | 90.2040% | 2,101 |
| Total domestic deposits to total assets | 79.8622% | 5,778 |
| Equity capital to assets | 8.9414% | 5,620 |
| Core capital (leverage) ratio | 8.9047% | 4,928 |
| Tier 1 risk-based capital ratio | 12.0084% | 5,830 |
| Total risk-based capital ratio | 13.2664% | 5,800 |
| Memoranda: | ||
| Average total assets | $109,157,800 | 4,660 |
| Average earning assets | $96,831,200 | 4,717 |
| Average equity | $10,134,600 | 4,979 |
| Average total loans | $79,829,000 | 4,146 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6500% | 932 |
| Cost of funding earning assets | 1.1101% | 2,912 |
| Net interest margin | 4.5399% | 1,064 |
| Noninterest income to average assets | 0.9157% | 1,593 |
| Noninterest expense to average assets | 3.9513% | 1,071 |
| Loan and lease loss provision to assets | 0.1680% | 4,370 |
| Net operating income to assets | 0.8249% | 3,045 |
| Return on assets (ROA) | 0.8249% | 3,210 |
| Pretax return on assets | 0.8211% | 4,051 |
| Return on Equity (ROE) | 8.7956% | 2,692 |
| Retained earnings to average equity (ytd only) | 0.1724% | 5,905 |
| Net charge-offs to loans | 0.2776% | 3,692 |
| Credit loss provision to net charge-offs | 82.3171% | 4,062 |
| Earnings coverage of net charge-offs (x) | 4.8476% | 2,944 |
| Efficiency ratio | 79.7784% | 2,285 |
| Assets per employee ($millions) | 4.0379% | 3,764 |
| Cash dividends to net income (ytd only)* | 98.0395% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 3,438 |
| Loan loss allowance to noncurrent loans | 3,456.4103% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 5,434 |
| Noncurrent loans to loans | 0.0478% | 6,818 |
| Net loans and leases to total assets | 73.5735% | 1,401 |
| Net loans and leases to deposits | 94.7729% | 774 |
| Net loans and leases to core deposits | 97.5946% | 1,456 |
| Total domestic deposits to total assets | 77.6313% | 6,268 |
| Equity capital to assets | 9.4209% | 5,206 |
| Core capital (leverage) ratio | 9.0069% | 4,913 |
| Tier 1 risk-based capital ratio | 12.0504% | 5,861 |
| Total risk-based capital ratio | 13.2983% | 5,848 |
| Memoranda: | ||
| Average total assets | $107,167,750 | 4,734 |
| Average earning assets | $95,006,250 | 4,820 |
| Average equity | $10,050,250 | 5,025 |
| Average total loans | $78,759,500 | 4,215 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 1,084 |
| Cost of funding earning assets | 1.1338% | 3,019 |
| Net interest margin | 4.4591% | 1,227 |
| Noninterest income to average assets | 0.8297% | 1,894 |
| Noninterest expense to average assets | 3.9493% | 1,119 |
| Loan and lease loss provision to assets | 0.1689% | 4,242 |
| Net operating income to assets | 0.6870% | 3,620 |
| Return on assets (ROA) | 0.6870% | 3,734 |
| Pretax return on assets | 0.6757% | 4,479 |
| Return on Equity (ROE) | 7.3371% | 3,274 |
| Retained earnings to average equity (ytd only) | -3.1874% | 6,398 |
| Net charge-offs to loans | 0.3649% | 3,094 |
| Credit loss provision to net charge-offs | 63.3803% | 4,255 |
| Earnings coverage of net charge-offs (x) | 3.1690% | 3,281 |
| Efficiency ratio | 82.1848% | 2,074 |
| Assets per employee ($millions) | 3.9534% | 3,854 |
| Cash dividends to net income (ytd only)* | 143.4426% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 3,378 |
| Loan loss allowance to noncurrent loans | 439.8671% | 739 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 4,254 |
| Noncurrent loans to loans | 0.3831% | 6,138 |
| Net loans and leases to total assets | 72.3733% | 1,712 |
| Net loans and leases to deposits | 92.5606% | 992 |
| Net loans and leases to core deposits | 95.3434% | 1,748 |
| Total domestic deposits to total assets | 78.1902% | 6,253 |
| Equity capital to assets | 9.3685% | 5,043 |
| Core capital (leverage) ratio | 9.0805% | 4,602 |
| Tier 1 risk-based capital ratio | 12.1528% | 5,664 |
| Total risk-based capital ratio | 13.4089% | 5,634 |
| Memoranda: | ||
| Average total assets | $106,549,330 | 4,789 |
| Average earning assets | $94,727,000 | 4,861 |
| Average equity | $9,976,670 | 5,054 |
| Average total loans | $77,826,000 | 4,289 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5017% | 1,293 |
| Cost of funding earning assets | 1.1841% | 2,919 |
| Net interest margin | 4.3176% | 1,510 |
| Noninterest income to average assets | 0.7740% | 2,138 |
| Noninterest expense to average assets | 3.9003% | 1,173 |
| Loan and lease loss provision to assets | 0.1691% | 3,935 |
| Net operating income to assets | 0.5411% | 4,310 |
| Return on assets (ROA) | 0.5411% | 4,387 |
| Pretax return on assets | 0.5411% | 4,892 |
| Return on Equity (ROE) | 5.7802% | 4,027 |
| Retained earnings to average equity (ytd only) | -2.2479% | 6,191 |
| Net charge-offs to loans | -0.0052% | 6,246 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3521% | 1,916 |
| Assets per employee ($millions) | 3.8378% | 4,221 |
| Cash dividends to net income (ytd only)* | 138.8889% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8636% | 2,813 |
| Loan loss allowance to noncurrent loans | 206.0870% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 1.3877% | 4,208 |
| Noncurrent loans to loans | 0.9043% | 5,238 |
| Net loans and leases to total assets | 72.2643% | 1,668 |
| Net loans and leases to deposits | 90.6056% | 1,172 |
| Net loans and leases to core deposits | 92.2078% | 2,105 |
| Total domestic deposits to total assets | 79.7570% | 6,003 |
| Equity capital to assets | 9.6448% | 4,255 |
| Core capital (leverage) ratio | 9.4347% | 3,908 |
| Tier 1 risk-based capital ratio | 12.6874% | 5,077 |
| Total risk-based capital ratio | 13.9370% | 5,059 |
| Memoranda: | ||
| Average total assets | $106,453,500 | 4,824 |
| Average earning assets | $94,588,500 | 4,898 |
| Average equity | $9,965,000 | 5,056 |
| Average total loans | $77,451,000 | 4,343 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 1,406 |
| Cost of funding earning assets | 1.3685% | 3,463 |
| Net interest margin | 4.3810% | 1,551 |
| Noninterest income to average assets | 0.8710% | 1,968 |
| Noninterest expense to average assets | 3.5493% | 2,055 |
| Loan and lease loss provision to assets | 0.1652% | 5,566 |
| Net operating income to assets | 1.0751% | 1,777 |
| Return on assets (ROA) | 1.1023% | 1,771 |
| Pretax return on assets | 1.1124% | 2,534 |
| Return on Equity (ROE) | 12.4487% | 1,231 |
| Retained earnings to average equity (ytd only) | 7.1624% | 1,260 |
| Net charge-offs to loans | 0.0566% | 6,224 |
| Credit loss provision to net charge-offs | 400.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 30.2667% | 728 |
| Efficiency ratio | 73.7617% | 3,452 |
| Assets per employee ($millions) | 3.9031% | 3,996 |
| Cash dividends to net income (ytd only)* | 42.4646% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 3,025 |
| Loan loss allowance to noncurrent loans | 158.5253% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 1.3085% | 4,409 |
| Noncurrent loans to loans | 1.1043% | 4,892 |
| Net loans and leases to total assets | 70.6614% | 2,380 |
| Net loans and leases to deposits | 88.8980% | 1,664 |
| Net loans and leases to core deposits | 90.8934% | 2,634 |
| Total domestic deposits to total assets | 79.4859% | 5,974 |
| Equity capital to assets | 9.0917% | 5,003 |
| Core capital (leverage) ratio | 9.4827% | 3,722 |
| Tier 1 risk-based capital ratio | 12.4305% | 5,081 |
| Total risk-based capital ratio | 13.6871% | 5,060 |
| Memoranda: | ||
| Average total assets | $108,950,600 | 4,744 |
| Average earning assets | $97,694,800 | 4,784 |
| Average equity | $9,647,600 | 5,225 |
| Average total loans | $79,452,200 | 4,355 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7971% | 1,407 |
| Cost of funding earning assets | 1.4159% | 3,485 |
| Net interest margin | 4.3812% | 1,587 |
| Noninterest income to average assets | 0.8744% | 1,892 |
| Noninterest expense to average assets | 3.4880% | 2,062 |
| Loan and lease loss provision to assets | 0.1653% | 5,391 |
| Net operating income to assets | 1.1491% | 1,736 |
| Return on assets (ROA) | 1.1855% | 1,729 |
| Pretax return on assets | 1.1990% | 2,492 |
| Return on Equity (ROE) | 13.4785% | 1,146 |
| Retained earnings to average equity (ytd only) | 6.6557% | 2,012 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2279% | 3,655 |
| Assets per employee ($millions) | 3.8940% | 4,046 |
| Cash dividends to net income (ytd only)* | 50.6202% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 2,979 |
| Loan loss allowance to noncurrent loans | 128.9597% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 4,175 |
| Noncurrent loans to loans | 1.3582% | 4,595 |
| Net loans and leases to total assets | 76.2339% | 1,360 |
| Net loans and leases to deposits | 98.9310% | 731 |
| Net loans and leases to core deposits | 102.1426% | 1,640 |
| Total domestic deposits to total assets | 77.0576% | 6,465 |
| Equity capital to assets | 9.8247% | 4,380 |
| Core capital (leverage) ratio | 9.1511% | 4,458 |
| Tier 1 risk-based capital ratio | 12.5105% | 4,972 |
| Total risk-based capital ratio | 13.7600% | 4,947 |
| Memoranda: | ||
| Average total assets | $108,866,750 | 4,808 |
| Average earning assets | $97,932,250 | 4,841 |
| Average equity | $9,575,500 | 5,322 |
| Average total loans | $79,665,500 | 4,413 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7857% | 1,458 |
| Cost of funding earning assets | 1.4544% | 3,536 |
| Net interest margin | 4.3313% | 1,665 |
| Noninterest income to average assets | 0.8348% | 1,946 |
| Noninterest expense to average assets | 3.4073% | 2,244 |
| Loan and lease loss provision to assets | 0.1616% | 5,276 |
| Net operating income to assets | 1.1477% | 1,703 |
| Return on assets (ROA) | 1.2010% | 1,627 |
| Pretax return on assets | 1.2172% | 2,359 |
| Return on Equity (ROE) | 14.1562% | 1,011 |
| Retained earnings to average equity (ytd only) | 5.6921% | 2,501 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8134% | 3,849 |
| Assets per employee ($millions) | 4.4435% | 2,976 |
| Cash dividends to net income (ytd only)* | 59.7907% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 3,255 |
| Loan loss allowance to noncurrent loans | 545.4918% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 5,814 |
| Noncurrent loans to loans | 0.3022% | 6,620 |
| Net loans and leases to total assets | 74.4526% | 1,818 |
| Net loans and leases to deposits | 93.9489% | 1,281 |
| Net loans and leases to core deposits | 101.6762% | 1,853 |
| Total domestic deposits to total assets | 79.2480% | 5,957 |
| Equity capital to assets | 9.0150% | 5,421 |
| Core capital (leverage) ratio | 8.5055% | 5,396 |
| Tier 1 risk-based capital ratio | 11.7728% | 5,520 |
| Total risk-based capital ratio | 13.0285% | 5,477 |
| Memoranda: | ||
| Average total assets | $111,407,330 | 4,764 |
| Average earning assets | $100,247,670 | 4,802 |
| Average equity | $9,451,670 | 5,356 |
| Average total loans | $80,034,330 | 4,442 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6262% | 2,048 |
| Cost of funding earning assets | 1.4845% | 3,659 |
| Net interest margin | 4.1417% | 2,260 |
| Noninterest income to average assets | 0.7171% | 2,488 |
| Noninterest expense to average assets | 3.2095% | 2,821 |
| Loan and lease loss provision to assets | 0.1582% | 4,950 |
| Net operating income to assets | 1.0827% | 1,888 |
| Return on assets (ROA) | 1.0968% | 1,922 |
| Pretax return on assets | 1.1003% | 2,729 |
| Return on Equity (ROE) | 13.3184% | 1,188 |
| Retained earnings to average equity (ytd only) | 3.2869% | 4,172 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8232% | 3,962 |
| Assets per employee ($millions) | 4.4273% | 3,080 |
| Cash dividends to net income (ytd only)* | 75.3205% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 3,340 |
| Loan loss allowance to noncurrent loans | 529.2181% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 6,437 |
| Noncurrent loans to loans | 0.3075% | 6,709 |
| Net loans and leases to total assets | 70.2264% | 2,876 |
| Net loans and leases to deposits | 87.5591% | 2,304 |
| Net loans and leases to core deposits | 97.4023% | 2,406 |
| Total domestic deposits to total assets | 80.2045% | 5,715 |
| Equity capital to assets | 8.5497% | 5,937 |
| Core capital (leverage) ratio | 8.1843% | 5,935 |
| Tier 1 risk-based capital ratio | 11.6156% | 5,561 |
| Total risk-based capital ratio | 12.8710% | 5,520 |
| Memoranda: | ||
| Average total assets | $113,788,500 | 4,774 |
| Average earning assets | $102,663,000 | 4,793 |
| Average equity | $9,370,500 | 5,430 |
| Average total loans | $79,686,000 | 4,522 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9681% | 1,998 |
| Cost of funding earning assets | 2.0867% | 2,532 |
| Net interest margin | 3.8814% | 3,344 |
| Noninterest income to average assets | 0.8811% | 2,026 |
| Noninterest expense to average assets | 3.3333% | 2,900 |
| Loan and lease loss provision to assets | 0.1637% | 6,054 |
| Net operating income to assets | 0.8774% | 2,253 |
| Return on assets (ROA) | 0.9284% | 2,144 |
| Pretax return on assets | 0.9293% | 2,829 |
| Return on Equity (ROE) | 11.4611% | 1,305 |
| Retained earnings to average equity (ytd only) | 4.3667% | 2,186 |
| Net charge-offs to loans | 0.0532% | 6,567 |
| Credit loss provision to net charge-offs | 439.0244% | 712 |
| Earnings coverage of net charge-offs (x) | 27.9512% | 815 |
| Efficiency ratio | 75.9767% | 3,535 |
| Assets per employee ($millions) | 5.0824% | 2,108 |
| Cash dividends to net income (ytd only)* | 61.9001% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 3,500 |
| Loan loss allowance to noncurrent loans | 620.5000% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 6,539 |
| Noncurrent loans to loans | 0.2489% | 6,800 |
| Net loans and leases to total assets | 67.6821% | 3,779 |
| Net loans and leases to deposits | 83.2189% | 3,419 |
| Net loans and leases to core deposits | 109.5515% | 2,952 |
| Total domestic deposits to total assets | 81.3303% | 5,220 |
| Equity capital to assets | 7.9370% | 6,639 |
| Core capital (leverage) ratio | 7.9181% | 6,308 |
| Tier 1 risk-based capital ratio | 11.1535% | 5,771 |
| Total risk-based capital ratio | 12.4074% | 5,724 |
| Memoranda: | ||
| Average total assets | $109,979,600 | 4,821 |
| Average earning assets | $99,009,800 | 4,865 |
| Average equity | $8,908,400 | 5,633 |
| Average total loans | $77,074,000 | 4,619 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0241% | 1,938 |
| Cost of funding earning assets | 2.1778% | 2,513 |
| Net interest margin | 3.8463% | 3,450 |
| Noninterest income to average assets | 0.9201% | 1,902 |
| Noninterest expense to average assets | 3.4635% | 2,380 |
| Loan and lease loss provision to assets | 0.1663% | 5,693 |
| Net operating income to assets | 0.7563% | 3,000 |
| Return on assets (ROA) | 0.7563% | 3,064 |
| Pretax return on assets | 0.7513% | 3,695 |
| Return on Equity (ROE) | 9.2860% | 2,167 |
| Retained earnings to average equity (ytd only) | -0.0454% | 5,220 |
| Net charge-offs to loans | 0.0664% | 6,028 |
| Credit loss provision to net charge-offs | 355.2632% | 1,156 |
| Earnings coverage of net charge-offs (x) | 19.6035% | 1,279 |
| Efficiency ratio | 78.8305% | 3,024 |
| Assets per employee ($millions) | 4.4885% | 2,881 |
| Cash dividends to net income (ytd only)* | 100.4886% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,208 |
| Loan loss allowance to noncurrent loans | 475.7937% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 6,273 |
| Noncurrent loans to loans | 0.3252% | 6,707 |
| Net loans and leases to total assets | 67.9975% | 3,957 |
| Net loans and leases to deposits | 87.5776% | 3,044 |
| Net loans and leases to core deposits | 118.6767% | 2,361 |
| Total domestic deposits to total assets | 77.6425% | 6,182 |
| Equity capital to assets | 7.9750% | 6,870 |
| Core capital (leverage) ratio | 7.6601% | 6,787 |
| Tier 1 risk-based capital ratio | 11.1026% | 5,850 |
| Total risk-based capital ratio | 12.3536% | 5,801 |
| Memoranda: | ||
| Average total assets | $108,250,750 | 4,906 |
| Average earning assets | $97,406,000 | 4,944 |
| Average equity | $8,816,000 | 5,714 |
| Average total loans | $76,253,000 | 4,687 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0512% | 1,978 |
| Cost of funding earning assets | 2.2304% | 2,664 |
| Net interest margin | 3.8208% | 3,456 |
| Noninterest income to average assets | 0.9071% | 1,957 |
| Noninterest expense to average assets | 3.4770% | 2,412 |
| Loan and lease loss provision to assets | 0.1683% | 5,381 |
| Net operating income to assets | 0.6977% | 3,262 |
| Return on assets (ROA) | 0.6977% | 3,373 |
| Pretax return on assets | 0.6902% | 4,034 |
| Return on Equity (ROE) | 8.5047% | 2,567 |
| Retained earnings to average equity (ytd only) | -5.5634% | 6,388 |
| Net charge-offs to loans | 0.1002% | 5,161 |
| Credit loss provision to net charge-offs | 236.8421% | 1,962 |
| Earnings coverage of net charge-offs (x) | 12.0789% | 1,848 |
| Efficiency ratio | 79.9827% | 3,046 |
| Assets per employee ($millions) | 4.7938% | 2,330 |
| Cash dividends to net income (ytd only)* | 165.4155% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,018 |
| Loan loss allowance to noncurrent loans | 577.0000% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 6,493 |
| Noncurrent loans to loans | 0.2656% | 6,863 |
| Net loans and leases to total assets | 67.2468% | 4,302 |
| Net loans and leases to deposits | 88.1451% | 3,144 |
| Net loans and leases to core deposits | 112.5336% | 3,072 |
| Total domestic deposits to total assets | 76.2911% | 6,488 |
| Equity capital to assets | 7.7473% | 7,031 |
| Core capital (leverage) ratio | 7.6527% | 6,820 |
| Tier 1 risk-based capital ratio | 11.1791% | 5,693 |
| Total risk-based capital ratio | 12.4327% | 5,615 |
| Memoranda: | ||
| Average total assets | $106,930,000 | 4,967 |
| Average earning assets | $95,948,000 | 5,007 |
| Average equity | $8,771,670 | 5,755 |
| Average total loans | $75,837,000 | 4,742 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1487% | 1,766 |
| Cost of funding earning assets | 2.2702% | 2,839 |
| Net interest margin | 3.8785% | 3,141 |
| Noninterest income to average assets | 0.8968% | 1,866 |
| Noninterest expense to average assets | 3.4313% | 2,275 |
| Loan and lease loss provision to assets | 0.1710% | 4,755 |
| Net operating income to assets | 0.7790% | 3,219 |
| Return on assets (ROA) | 0.7790% | 3,385 |
| Pretax return on assets | 0.7676% | 4,196 |
| Return on Equity (ROE) | 9.2275% | 2,632 |
| Retained earnings to average equity (ytd only) | -0.6752% | 5,807 |
| Net charge-offs to loans | 0.1734% | 3,595 |
| Credit loss provision to net charge-offs | 136.3636% | 2,975 |
| Earnings coverage of net charge-offs (x) | 7.4848% | 2,340 |
| Efficiency ratio | 78.2609% | 3,126 |
| Assets per employee ($millions) | 4.0722% | 3,506 |
| Cash dividends to net income (ytd only)* | 107.3171% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 3,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 6,682 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 69.5177% | 3,795 |
| Net loans and leases to deposits | 90.3693% | 2,872 |
| Net loans and leases to core deposits | 115.2891% | 2,877 |
| Total domestic deposits to total assets | 76.9263% | 6,292 |
| Equity capital to assets | 8.3983% | 6,238 |
| Core capital (leverage) ratio | 8.1905% | 6,126 |
| Tier 1 risk-based capital ratio | 11.7478% | 5,174 |
| Total risk-based capital ratio | 13.0009% | 5,093 |
| Memoranda: | ||
| Average total assets | $105,266,000 | 5,032 |
| Average earning assets | $94,264,000 | 5,081 |
| Average equity | $8,886,500 | 5,741 |
| Average total loans | $76,106,000 | 4,760 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0421% | 1,021 |
| Cost of funding earning assets | 2.6878% | 3,218 |
| Net interest margin | 4.3543% | 1,811 |
| Noninterest income to average assets | 1.0769% | 1,360 |
| Noninterest expense to average assets | 3.4843% | 2,438 |
| Loan and lease loss provision to assets | 0.1482% | 5,463 |
| Net operating income to assets | 1.3325% | 1,396 |
| Return on assets (ROA) | 1.3325% | 1,351 |
| Pretax return on assets | 1.3364% | 2,183 |
| Return on Equity (ROE) | 15.9554% | 783 |
| Retained earnings to average equity (ytd only) | 9.2994% | 555 |
| Net charge-offs to loans | 0.1792% | 4,405 |
| Credit loss provision to net charge-offs | 108.7591% | 4,944 |
| Earnings coverage of net charge-offs (x) | 10.8978% | 2,448 |
| Efficiency ratio | 69.9220% | 4,369 |
| Assets per employee ($millions) | 3.8761% | 3,796 |
| Cash dividends to net income (ytd only)* | 41.7164% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 3,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 6,469 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.9948% | 3,357 |
| Net loans and leases to deposits | 95.1866% | 2,581 |
| Net loans and leases to core deposits | 115.8982% | 3,130 |
| Total domestic deposits to total assets | 76.6860% | 6,072 |
| Equity capital to assets | 8.4861% | 6,109 |
| Core capital (leverage) ratio | 8.5058% | 5,571 |
| Tier 1 risk-based capital ratio | 11.5373% | 5,211 |
| Total risk-based capital ratio | 12.7906% | 5,095 |
| Memoranda: | ||
| Average total assets | $100,566,200 | 5,030 |
| Average earning assets | $89,888,000 | 5,086 |
| Average equity | $8,398,400 | 5,947 |
| Average total loans | $76,449,600 | 4,636 |