Home > Kennebec Federal Savings and Loan Association of Waterville > Performance and Condition Ratios
Kennebec Federal Savings and Loan Association of Waterville, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 1,681 |
| Cost of funding earning assets | 0.9281% | 772 |
| Net interest margin | 3.4357% | 2,652 |
| Noninterest income to average assets | 1.2679% | 706 |
| Noninterest expense to average assets | 3.8307% | 444 |
| Loan and lease loss provision to assets | 0.0462% | 3,818 |
| Net operating income to assets | 0.5313% | 3,964 |
| Return on assets (ROA) | 0.5313% | 4,049 |
| Pretax return on assets | 0.6872% | 3,907 |
| Return on Equity (ROE) | 5.6520% | 3,693 |
| Retained earnings to average equity (ytd only) | 5.6520% | 1,970 |
| Net charge-offs to loans | 0.0702% | 1,789 |
| Credit loss provision to net charge-offs | 75.4386% | 3,012 |
| Earnings coverage of net charge-offs (x) | 11.9649% | 2,365 |
| Efficiency ratio | 83.9303% | 639 |
| Assets per employee ($millions) | 3.9374% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 4,598 |
| Loan loss allowance to noncurrent loans | 128.0098% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 2,150 |
| Noncurrent loans to loans | 0.5423% | 2,352 |
| Net loans and leases to total assets | 86.0382% | 96 |
| Net loans and leases to deposits | 107.4510% | 205 |
| Net loans and leases to core deposits | 111.1429% | 476 |
| Total domestic deposits to total assets | 80.0720% | 4,030 |
| Equity capital to assets | 10.4650% | 2,702 |
| Core capital (leverage) ratio | 9.9745% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7616% | 936 |
| Memoranda: | ||
| Average total assets | $92,985,200 | 4,081 |
| Average earning assets | $89,210,800 | 4,043 |
| Average equity | $8,740,200 | 4,343 |
| Average total loans | $81,227,400 | 3,534 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 1,888 |
| Cost of funding earning assets | 1.0299% | 689 |
| Net interest margin | 3.3558% | 3,029 |
| Noninterest income to average assets | 0.9417% | 1,136 |
| Noninterest expense to average assets | 3.6203% | 599 |
| Loan and lease loss provision to assets | 0.0582% | 3,625 |
| Net operating income to assets | 0.3722% | 4,317 |
| Return on assets (ROA) | 0.3722% | 4,377 |
| Pretax return on assets | 0.4835% | 4,309 |
| Return on Equity (ROE) | 4.0650% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.0650% | 3,014 |
| Net charge-offs to loans | 0.0918% | 1,388 |
| Credit loss provision to net charge-offs | 71.9298% | 2,800 |
| Earnings coverage of net charge-offs (x) | 6.7368% | 2,632 |
| Efficiency ratio | 86.9919% | 460 |
| Assets per employee ($millions) | 4.4053% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 4,677 |
| Loan loss allowance to noncurrent loans | 208.8710% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,097 |
| Noncurrent loans to loans | 0.3072% | 3,179 |
| Net loans and leases to total assets | 86.7162% | 121 |
| Net loans and leases to deposits | 111.1324% | 210 |
| Net loans and leases to core deposits | 114.7931% | 527 |
| Total domestic deposits to total assets | 78.0296% | 4,197 |
| Equity capital to assets | 9.5545% | 3,641 |
| Core capital (leverage) ratio | 9.4249% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1059% | 1,228 |
| Memoranda: | ||
| Average total assets | $94,576,000 | 4,062 |
| Average earning assets | $90,747,000 | 4,011 |
| Average equity | $8,659,000 | 4,371 |
| Average total loans | $82,772,000 | 3,528 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 2,090 |
| Cost of funding earning assets | 1.1422% | 627 |
| Net interest margin | 3.3018% | 3,384 |
| Noninterest income to average assets | 0.7684% | 1,529 |
| Noninterest expense to average assets | 3.5396% | 712 |
| Loan and lease loss provision to assets | 0.0777% | 3,326 |
| Net operating income to assets | 0.2456% | 4,513 |
| Return on assets (ROA) | 0.2456% | 4,554 |
| Pretax return on assets | 0.3191% | 4,515 |
| Return on Equity (ROE) | 2.7212% | 4,399 |
| Retained earnings to average equity (ytd only) | 2.7212% | 3,494 |
| Net charge-offs to loans | 0.1198% | 1,127 |
| Credit loss provision to net charge-offs | 74.0000% | 2,531 |
| Earnings coverage of net charge-offs (x) | 3.7800% | 2,650 |
| Efficiency ratio | 89.9200% | 390 |
| Assets per employee ($millions) | 4.5365% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 4,688 |
| Loan loss allowance to noncurrent loans | 108.9958% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 2,334 |
| Noncurrent loans to loans | 0.5866% | 2,398 |
| Net loans and leases to total assets | 84.9885% | 190 |
| Net loans and leases to deposits | 108.7142% | 254 |
| Net loans and leases to core deposits | 113.2819% | 625 |
| Total domestic deposits to total assets | 78.1761% | 4,166 |
| Equity capital to assets | 9.1312% | 3,976 |
| Core capital (leverage) ratio | 8.9689% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3930% | 1,391 |
| Memoranda: | ||
| Average total assets | $95,264,333 | 4,054 |
| Average earning assets | $91,405,667 | 4,003 |
| Average equity | $8,599,000 | 4,393 |
| Average total loans | $83,449,333 | 3,527 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 2,074 |
| Cost of funding earning assets | 1.2483% | 655 |
| Net interest margin | 3.3288% | 3,522 |
| Noninterest income to average assets | 0.6886% | 1,685 |
| Noninterest expense to average assets | 3.6111% | 806 |
| Loan and lease loss provision to assets | 0.1092% | 2,313 |
| Net operating income to assets | 0.1218% | 4,631 |
| Return on assets (ROA) | 0.1218% | 4,637 |
| Pretax return on assets | 0.1596% | 4,609 |
| Return on Equity (ROE) | 1.3569% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.3569% | 3,645 |
| Net charge-offs to loans | 0.2890% | 507 |
| Credit loss provision to net charge-offs | 42.6230% | 2,087 |
| Earnings coverage of net charge-offs (x) | 1.0492% | 2,421 |
| Efficiency ratio | 93.0736% | 397 |
| Assets per employee ($millions) | 4.5006% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6017% | 4,754 |
| Loan loss allowance to noncurrent loans | 124.1294% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 2,771 |
| Noncurrent loans to loans | 0.4847% | 2,809 |
| Net loans and leases to total assets | 87.2217% | 88 |
| Net loans and leases to deposits | 115.9652% | 116 |
| Net loans and leases to core deposits | 122.4616% | 400 |
| Total domestic deposits to total assets | 75.2137% | 4,563 |
| Equity capital to assets | 9.0740% | 4,557 |
| Core capital (leverage) ratio | 8.9567% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9680% | 1,608 |
| Memoranda: | ||
| Average total assets | $95,263,000 | 4,054 |
| Average earning assets | $91,325,500 | 4,004 |
| Average equity | $8,549,000 | 4,420 |
| Average total loans | $84,430,500 | 3,511 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 2,387 |
| Cost of funding earning assets | 1.2457% | 911 |
| Net interest margin | 3.4335% | 3,639 |
| Noninterest income to average assets | 0.6305% | 2,092 |
| Noninterest expense to average assets | 3.3613% | 1,179 |
| Loan and lease loss provision to assets | 0.0525% | 2,979 |
| Net operating income to assets | 0.3933% | 4,603 |
| Return on assets (ROA) | 0.3950% | 4,635 |
| Pretax return on assets | 0.5102% | 4,558 |
| Return on Equity (ROE) | 4.6264% | 4,312 |
| Retained earnings to average equity (ytd only) | 4.6264% | 2,628 |
| Net charge-offs to loans | 0.0150% | 3,173 |
| Credit loss provision to net charge-offs | 392.3077% | 720 |
| Earnings coverage of net charge-offs (x) | 41.9231% | 1,273 |
| Efficiency ratio | 85.7068% | 558 |
| Assets per employee ($millions) | 4.8007% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 4,706 |
| Loan loss allowance to noncurrent loans | 68.1122% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8165% | 1,585 |
| Noncurrent loans to loans | 0.9124% | 1,685 |
| Net loans and leases to total assets | 88.9381% | 68 |
| Net loans and leases to deposits | 122.3939% | 71 |
| Net loans and leases to core deposits | 130.3451% | 275 |
| Total domestic deposits to total assets | 72.6654% | 4,842 |
| Equity capital to assets | 8.8758% | 4,752 |
| Core capital (leverage) ratio | 8.8810% | 4,616 |
| Tier 1 risk-based capital ratio | 14.4507% | 3,044 |
| Total risk-based capital ratio | 15.3578% | 3,124 |
| Memoranda: | ||
| Average total assets | $97,223,400 | 4,045 |
| Average earning assets | $93,198,800 | 3,989 |
| Average equity | $8,300,200 | 4,473 |
| Average total loans | $86,912,400 | 3,468 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 2,476 |
| Cost of funding earning assets | 1.2265% | 962 |
| Net interest margin | 3.4555% | 3,716 |
| Noninterest income to average assets | 0.5660% | 2,376 |
| Noninterest expense to average assets | 3.3057% | 1,257 |
| Loan and lease loss provision to assets | 0.0492% | 2,913 |
| Net operating income to assets | 0.4009% | 4,721 |
| Return on assets (ROA) | 0.4019% | 4,747 |
| Pretax return on assets | 0.5250% | 4,661 |
| Return on Equity (ROE) | 4.7544% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.7544% | 3,025 |
| Net charge-offs to loans | 0.0291% | 2,512 |
| Credit loss provision to net charge-offs | 189.4737% | 1,383 |
| Earnings coverage of net charge-offs (x) | 22.0549% | 1,885 |
| Efficiency ratio | 85.2309% | 541 |
| Assets per employee ($millions) | 4.6831% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 4,853 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,118 |
| Noncurrent loans to loans | 0.3886% | 3,156 |
| Net loans and leases to total assets | 88.9574% | 68 |
| Net loans and leases to deposits | 125.4801% | 63 |
| Net loans and leases to core deposits | 137.4853% | 208 |
| Total domestic deposits to total assets | 70.8936% | 4,960 |
| Equity capital to assets | 8.5738% | 4,966 |
| Core capital (leverage) ratio | 8.7107% | 4,830 |
| Tier 1 risk-based capital ratio | 14.2367% | 3,203 |
| Total risk-based capital ratio | 15.1045% | 3,307 |
| Memoranda: | ||
| Average total assets | $97,525,750 | 4,078 |
| Average earning assets | $93,490,000 | 4,020 |
| Average equity | $8,244,750 | 4,531 |
| Average total loans | $87,158,750 | 3,509 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 2,506 |
| Cost of funding earning assets | 1.1865% | 1,028 |
| Net interest margin | 3.4673% | 3,698 |
| Noninterest income to average assets | 0.5038% | 2,653 |
| Noninterest expense to average assets | 3.3027% | 1,277 |
| Loan and lease loss provision to assets | 0.0494% | 2,836 |
| Net operating income to assets | 0.3640% | 4,783 |
| Return on assets (ROA) | 0.3640% | 4,803 |
| Pretax return on assets | 0.4751% | 4,729 |
| Return on Equity (ROE) | 4.3264% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.3264% | 3,095 |
| Net charge-offs to loans | 0.0299% | 2,256 |
| Credit loss provision to net charge-offs | 184.6154% | 1,293 |
| Earnings coverage of net charge-offs (x) | 19.6154% | 1,811 |
| Efficiency ratio | 86.2977% | 531 |
| Assets per employee ($millions) | 4.6557% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 4,906 |
| Loan loss allowance to noncurrent loans | 440.8696% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,169 |
| Noncurrent loans to loans | 0.1320% | 4,085 |
| Net loans and leases to total assets | 88.5936% | 87 |
| Net loans and leases to deposits | 119.6067% | 91 |
| Net loans and leases to core deposits | 135.6246% | 238 |
| Total domestic deposits to total assets | 74.0708% | 4,829 |
| Equity capital to assets | 8.4934% | 5,044 |
| Core capital (leverage) ratio | 8.6086% | 4,905 |
| Tier 1 risk-based capital ratio | 14.1890% | 3,225 |
| Total risk-based capital ratio | 15.0557% | 3,317 |
| Memoranda: | ||
| Average total assets | $97,252,330 | 4,110 |
| Average earning assets | $93,214,000 | 4,050 |
| Average equity | $8,182,330 | 4,561 |
| Average total loans | $86,878,670 | 3,531 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 2,499 |
| Cost of funding earning assets | 1.1446% | 1,057 |
| Net interest margin | 3.4640% | 3,704 |
| Noninterest income to average assets | 0.3670% | 3,396 |
| Noninterest expense to average assets | 3.3569% | 1,177 |
| Loan and lease loss provision to assets | 0.0495% | 2,668 |
| Net operating income to assets | 0.2144% | 5,002 |
| Return on assets (ROA) | 0.2144% | 5,009 |
| Pretax return on assets | 0.2804% | 4,981 |
| Return on Equity (ROE) | 2.5611% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.5611% | 3,906 |
| Net charge-offs to loans | 0.0599% | 1,437 |
| Credit loss provision to net charge-offs | 92.3077% | 1,697 |
| Earnings coverage of net charge-offs (x) | 6.1538% | 2,212 |
| Efficiency ratio | 91.0515% | 354 |
| Assets per employee ($millions) | 4.6087% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5703% | 4,988 |
| Loan loss allowance to noncurrent loans | 213.3621% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,667 |
| Noncurrent loans to loans | 0.2673% | 3,605 |
| Net loans and leases to total assets | 89.1665% | 65 |
| Net loans and leases to deposits | 124.2610% | 63 |
| Net loans and leases to core deposits | 141.7510% | 173 |
| Total domestic deposits to total assets | 71.7574% | 5,053 |
| Equity capital to assets | 8.4333% | 5,023 |
| Core capital (leverage) ratio | 8.5122% | 5,001 |
| Tier 1 risk-based capital ratio | 13.8993% | 3,394 |
| Total risk-based capital ratio | 14.7409% | 3,518 |
| Memoranda: | ||
| Average total assets | $96,993,500 | 4,150 |
| Average earning assets | $92,955,000 | 4,099 |
| Average equity | $8,121,500 | 4,603 |
| Average total loans | $86,755,500 | 3,564 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 2,364 |
| Cost of funding earning assets | 0.9670% | 854 |
| Net interest margin | 3.5645% | 3,499 |
| Noninterest income to average assets | 0.4808% | 2,941 |
| Noninterest expense to average assets | 3.4832% | 1,010 |
| Loan and lease loss provision to assets | 0.0442% | 3,301 |
| Net operating income to assets | 0.2765% | 5,038 |
| Return on assets (ROA) | 0.2798% | 5,030 |
| Pretax return on assets | 0.3661% | 4,971 |
| Return on Equity (ROE) | 3.3597% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.3597% | 3,736 |
| Net charge-offs to loans | 0.0788% | 2,000 |
| Credit loss provision to net charge-offs | 62.6866% | 3,069 |
| Earnings coverage of net charge-offs (x) | 5.7612% | 3,155 |
| Efficiency ratio | 89.5591% | 365 |
| Assets per employee ($millions) | 4.6288% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 5,019 |
| Loan loss allowance to noncurrent loans | 131.9149% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 3,016 |
| Noncurrent loans to loans | 0.4336% | 2,986 |
| Net loans and leases to total assets | 88.7021% | 91 |
| Net loans and leases to deposits | 120.1299% | 96 |
| Net loans and leases to core deposits | 129.2490% | 335 |
| Total domestic deposits to total assets | 73.8385% | 4,959 |
| Equity capital to assets | 8.3134% | 5,041 |
| Core capital (leverage) ratio | 8.4609% | 5,042 |
| Tier 1 risk-based capital ratio | 13.6831% | 3,446 |
| Total risk-based capital ratio | 14.5187% | 3,564 |
| Memoranda: | ||
| Average total assets | $95,055,200 | 4,183 |
| Average earning assets | $90,896,600 | 4,131 |
| Average equity | $7,917,400 | 4,625 |
| Average total loans | $84,982,800 | 3,569 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 2,283 |
| Cost of funding earning assets | 0.9241% | 821 |
| Net interest margin | 3.5814% | 3,431 |
| Noninterest income to average assets | 0.4838% | 2,957 |
| Noninterest expense to average assets | 3.5379% | 935 |
| Loan and lease loss provision to assets | 0.0381% | 3,244 |
| Net operating income to assets | 0.2545% | 5,147 |
| Return on assets (ROA) | 0.2567% | 5,140 |
| Pretax return on assets | 0.3329% | 5,106 |
| Return on Equity (ROE) | 3.0808% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.0808% | 4,204 |
| Net charge-offs to loans | 0.0915% | 1,586 |
| Credit loss provision to net charge-offs | 46.5517% | 2,859 |
| Earnings coverage of net charge-offs (x) | 4.5001% | 3,054 |
| Efficiency ratio | 90.5742% | 314 |
| Assets per employee ($millions) | 4.7914% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5689% | 5,096 |
| Loan loss allowance to noncurrent loans | 485.1485% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,301 |
| Noncurrent loans to loans | 0.1173% | 4,364 |
| Net loans and leases to total assets | 89.3705% | 97 |
| Net loans and leases to deposits | 123.4426% | 79 |
| Net loans and leases to core deposits | 130.4802% | 321 |
| Total domestic deposits to total assets | 72.3985% | 5,099 |
| Equity capital to assets | 8.3170% | 5,026 |
| Core capital (leverage) ratio | 8.4411% | 5,123 |
| Tier 1 risk-based capital ratio | 13.5188% | 3,621 |
| Total risk-based capital ratio | 14.3429% | 3,765 |
| Memoranda: | ||
| Average total assets | $94,518,000 | 4,233 |
| Average earning assets | $90,315,750 | 4,183 |
| Average equity | $7,876,500 | 4,674 |
| Average total loans | $84,530,250 | 3,612 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 2,337 |
| Cost of funding earning assets | 0.8857% | 771 |
| Net interest margin | 3.5384% | 3,508 |
| Noninterest income to average assets | 0.4315% | 3,283 |
| Noninterest expense to average assets | 3.5714% | 903 |
| Loan and lease loss provision to assets | 0.0340% | 3,235 |
| Net operating income to assets | 0.1603% | 5,256 |
| Return on assets (ROA) | 0.1637% | 5,245 |
| Pretax return on assets | 0.2105% | 5,232 |
| Return on Equity (ROE) | 1.9630% | 5,178 |
| Retained earnings to average equity (ytd only) | 1.9630% | 4,472 |
| Net charge-offs to loans | 0.0381% | 2,091 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 7.0625% | 2,579 |
| Efficiency ratio | 93.6977% | 270 |
| Assets per employee ($millions) | 4.1552% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 5,070 |
| Loan loss allowance to noncurrent loans | 354.4218% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 4,080 |
| Noncurrent loans to loans | 0.1742% | 4,121 |
| Net loans and leases to total assets | 87.7367% | 152 |
| Net loans and leases to deposits | 118.4489% | 123 |
| Net loans and leases to core deposits | 125.0485% | 433 |
| Total domestic deposits to total assets | 74.0714% | 5,035 |
| Equity capital to assets | 8.2463% | 5,105 |
| Core capital (leverage) ratio | 8.4946% | 5,116 |
| Tier 1 risk-based capital ratio | 13.5176% | 3,606 |
| Total risk-based capital ratio | 14.4052% | 3,730 |
| Memoranda: | ||
| Average total assets | $94,081,330 | 4,278 |
| Average earning assets | $89,870,000 | 4,225 |
| Average equity | $7,845,330 | 4,721 |
| Average total loans | $83,996,330 | 3,642 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 2,271 |
| Cost of funding earning assets | 0.8623% | 715 |
| Net interest margin | 3.5165% | 3,476 |
| Noninterest income to average assets | 0.3771% | 3,608 |
| Noninterest expense to average assets | 3.6341% | 831 |
| Loan and lease loss provision to assets | 0.0300% | 3,114 |
| Net operating income to assets | 0.0557% | 5,355 |
| Return on assets (ROA) | 0.0557% | 5,351 |
| Pretax return on assets | 0.0686% | 5,349 |
| Return on Equity (ROE) | 0.6643% | 5,337 |
| Retained earnings to average equity (ytd only) | 0.6643% | 4,699 |
| Net charge-offs to loans | 0.0764% | 1,359 |
| Credit loss provision to net charge-offs | 43.7500% | 1,990 |
| Earnings coverage of net charge-offs (x) | 1.4375% | 2,558 |
| Efficiency ratio | 97.3594% | 220 |
| Assets per employee ($millions) | 4.2650% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 5,171 |
| Loan loss allowance to noncurrent loans | 141.8283% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 3,183 |
| Noncurrent loans to loans | 0.4285% | 3,253 |
| Net loans and leases to total assets | 89.2422% | 83 |
| Net loans and leases to deposits | 121.1336% | 103 |
| Net loans and leases to core deposits | 129.1584% | 355 |
| Total domestic deposits to total assets | 73.6726% | 5,184 |
| Equity capital to assets | 8.3310% | 5,091 |
| Core capital (leverage) ratio | 8.5447% | 5,114 |
| Tier 1 risk-based capital ratio | 13.4527% | 3,689 |
| Total risk-based capital ratio | 14.3280% | 3,817 |
| Memoranda: | ||
| Average total assets | $93,337,000 | 4,343 |
| Average earning assets | $89,067,000 | 4,283 |
| Average equity | $7,827,500 | 4,773 |
| Average total loans | $83,809,000 | 3,676 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 1,986 |
| Cost of funding earning assets | 0.8697% | 442 |
| Net interest margin | 3.5460% | 3,357 |
| Noninterest income to average assets | 0.5917% | 2,490 |
| Noninterest expense to average assets | 3.5362% | 973 |
| Loan and lease loss provision to assets | 0.0357% | 3,553 |
| Net operating income to assets | 0.2868% | 4,951 |
| Return on assets (ROA) | 0.2932% | 4,955 |
| Pretax return on assets | 0.4024% | 5,085 |
| Return on Equity (ROE) | 3.5225% | 4,678 |
| Retained earnings to average equity (ytd only) | 3.5225% | 3,167 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1708% | 466 |
| Assets per employee ($millions) | 4.2202% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6249% | 5,199 |
| Loan loss allowance to noncurrent loans | 159.3272% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 3,457 |
| Noncurrent loans to loans | 0.3922% | 3,353 |
| Net loans and leases to total assets | 89.2346% | 96 |
| Net loans and leases to deposits | 126.3269% | 61 |
| Net loans and leases to core deposits | 135.1578% | 270 |
| Total domestic deposits to total assets | 70.6378% | 5,382 |
| Equity capital to assets | 8.4421% | 5,162 |
| Core capital (leverage) ratio | 8.6298% | 5,014 |
| Tier 1 risk-based capital ratio | 13.1079% | 3,845 |
| Total risk-based capital ratio | 13.9792% | 3,972 |
| Memoranda: | ||
| Average total assets | $92,442,800 | 4,384 |
| Average earning assets | $87,958,200 | 4,336 |
| Average equity | $7,693,400 | 4,826 |
| Average total loans | $83,466,400 | 3,670 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 1,936 |
| Cost of funding earning assets | 0.8685% | 416 |
| Net interest margin | 3.5407% | 3,349 |
| Noninterest income to average assets | 0.6238% | 2,342 |
| Noninterest expense to average assets | 3.5274% | 948 |
| Loan and lease loss provision to assets | 0.0347% | 3,425 |
| Net operating income to assets | 0.2859% | 5,244 |
| Return on assets (ROA) | 0.2888% | 5,259 |
| Pretax return on assets | 0.4332% | 5,133 |
| Return on Equity (ROE) | 3.4825% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.4825% | 3,848 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3864% | 485 |
| Assets per employee ($millions) | 4.1866% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6174% | 5,293 |
| Loan loss allowance to noncurrent loans | 360.5634% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,503 |
| Noncurrent loans to loans | 0.1712% | 4,380 |
| Net loans and leases to total assets | 89.4806% | 100 |
| Net loans and leases to deposits | 124.8156% | 63 |
| Net loans and leases to core deposits | 133.4559% | 290 |
| Total domestic deposits to total assets | 71.6902% | 5,397 |
| Equity capital to assets | 8.4446% | 5,322 |
| Core capital (leverage) ratio | 8.5845% | 5,182 |
| Tier 1 risk-based capital ratio | 13.0045% | 4,005 |
| Total risk-based capital ratio | 13.8606% | 4,159 |
| Memoranda: | ||
| Average total assets | $92,342,500 | 4,424 |
| Average earning assets | $87,815,750 | 4,380 |
| Average equity | $7,657,250 | 4,881 |
| Average total loans | $83,490,500 | 3,696 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 1,879 |
| Cost of funding earning assets | 0.8723% | 362 |
| Net interest margin | 3.5073% | 3,371 |
| Noninterest income to average assets | 0.5864% | 2,528 |
| Noninterest expense to average assets | 3.5208% | 980 |
| Loan and lease loss provision to assets | 0.0325% | 3,347 |
| Net operating income to assets | 0.2424% | 5,334 |
| Return on assets (ROA) | 0.2467% | 5,345 |
| Pretax return on assets | 0.3722% | 5,230 |
| Return on Equity (ROE) | 2.9933% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.9933% | 3,934 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8399% | 466 |
| Assets per employee ($millions) | 4.3237% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6045% | 5,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 4,993 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 86.9535% | 209 |
| Net loans and leases to deposits | 121.7466% | 82 |
| Net loans and leases to core deposits | 126.9235% | 368 |
| Total domestic deposits to total assets | 71.4217% | 5,488 |
| Equity capital to assets | 8.0813% | 5,501 |
| Core capital (leverage) ratio | 8.5192% | 5,202 |
| Tier 1 risk-based capital ratio | 12.7967% | 4,123 |
| Total risk-based capital ratio | 13.6341% | 4,254 |
| Memoranda: | ||
| Average total assets | $92,421,330 | 4,452 |
| Average earning assets | $87,816,330 | 4,402 |
| Average equity | $7,617,000 | 4,912 |
| Average total loans | $83,677,670 | 3,700 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 1,769 |
| Cost of funding earning assets | 0.8931% | 294 |
| Net interest margin | 3.4704% | 3,387 |
| Noninterest income to average assets | 0.4173% | 3,546 |
| Noninterest expense to average assets | 3.5752% | 929 |
| Loan and lease loss provision to assets | 0.0264% | 3,230 |
| Net operating income to assets | 0.0687% | 5,549 |
| Return on assets (ROA) | 0.0659% | 5,555 |
| Pretax return on assets | 0.1054% | 5,510 |
| Return on Equity (ROE) | 0.7913% | 5,528 |
| Retained earnings to average equity (ytd only) | 0.7913% | 4,724 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3314% | 308 |
| Assets per employee ($millions) | 4.1461% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5872% | 5,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,056 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 91.6822% | 26 |
| Net loans and leases to deposits | 132.7961% | 29 |
| Net loans and leases to core deposits | 142.9790% | 148 |
| Total domestic deposits to total assets | 69.0398% | 5,657 |
| Equity capital to assets | 8.3200% | 5,346 |
| Core capital (leverage) ratio | 8.4498% | 5,261 |
| Tier 1 risk-based capital ratio | 12.6614% | 4,287 |
| Total risk-based capital ratio | 13.4856% | 4,457 |
| Memoranda: | ||
| Average total assets | $91,071,500 | 4,520 |
| Average earning assets | $86,444,500 | 4,472 |
| Average equity | $7,582,000 | 4,958 |
| Average total loans | $83,909,500 | 3,720 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4013% | 1,817 |
| Cost of funding earning assets | 0.9219% | 263 |
| Net interest margin | 3.4795% | 3,508 |
| Noninterest income to average assets | 0.6628% | 2,354 |
| Noninterest expense to average assets | 3.5207% | 1,130 |
| Loan and lease loss provision to assets | 0.0760% | 2,837 |
| Net operating income to assets | 0.2294% | 5,355 |
| Return on assets (ROA) | 0.2358% | 5,412 |
| Pretax return on assets | 0.3666% | 5,269 |
| Return on Equity (ROE) | 2.8258% | 5,206 |
| Retained earnings to average equity (ytd only) | 2.8258% | 3,886 |
| Net charge-offs to loans | 0.0360% | 3,308 |
| Credit loss provision to net charge-offs | 234.4828% | 1,227 |
| Earnings coverage of net charge-offs (x) | 13.3448% | 2,375 |
| Efficiency ratio | 89.0585% | 613 |
| Assets per employee ($millions) | 4.1331% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 5,561 |
| Loan loss allowance to noncurrent loans | 194.4223% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 3,946 |
| Noncurrent loans to loans | 0.2999% | 4,071 |
| Net loans and leases to total assets | 91.5110% | 39 |
| Net loans and leases to deposits | 132.8130% | 33 |
| Net loans and leases to core deposits | 143.0290% | 152 |
| Total domestic deposits to total assets | 68.9021% | 5,695 |
| Equity capital to assets | 8.3307% | 5,402 |
| Core capital (leverage) ratio | 8.5629% | 5,200 |
| Tier 1 risk-based capital ratio | 12.7493% | 4,238 |
| Total risk-based capital ratio | 13.5706% | 4,382 |
| Memoranda: | ||
| Average total assets | $89,471,800 | 4,554 |
| Average earning assets | $84,610,600 | 4,506 |
| Average equity | $7,466,800 | 5,012 |
| Average total loans | $80,482,200 | 3,794 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 1,906 |
| Cost of funding earning assets | 0.9281% | 251 |
| Net interest margin | 3.4574% | 3,640 |
| Noninterest income to average assets | 0.7003% | 2,166 |
| Noninterest expense to average assets | 3.5522% | 1,061 |
| Loan and lease loss provision to assets | 0.0778% | 2,666 |
| Net operating income to assets | 0.2278% | 5,421 |
| Return on assets (ROA) | 0.2319% | 5,484 |
| Pretax return on assets | 0.3426% | 5,391 |
| Return on Equity (ROE) | 2.7778% | 5,278 |
| Retained earnings to average equity (ytd only) | 2.7778% | 4,226 |
| Net charge-offs to loans | 0.0469% | 2,707 |
| Credit loss provision to net charge-offs | 185.7143% | 1,512 |
| Earnings coverage of net charge-offs (x) | 9.8934% | 2,640 |
| Efficiency ratio | 89.5511% | 589 |
| Assets per employee ($millions) | 4.1447% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5840% | 5,631 |
| Loan loss allowance to noncurrent loans | 286.6667% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 4,486 |
| Noncurrent loans to loans | 0.2037% | 4,540 |
| Net loans and leases to total assets | 88.3048% | 118 |
| Net loans and leases to deposits | 125.9940% | 69 |
| Net loans and leases to core deposits | 131.0744% | 283 |
| Total domestic deposits to total assets | 70.0865% | 5,690 |
| Equity capital to assets | 8.2592% | 5,644 |
| Core capital (leverage) ratio | 8.5267% | 5,341 |
| Tier 1 risk-based capital ratio | 12.9285% | 4,205 |
| Total risk-based capital ratio | 13.7404% | 4,380 |
| Memoranda: | ||
| Average total assets | $89,107,500 | 4,601 |
| Average earning assets | $84,183,250 | 4,548 |
| Average equity | $7,439,750 | 5,070 |
| Average total loans | $79,678,250 | 3,832 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 1,873 |
| Cost of funding earning assets | 0.9378% | 240 |
| Net interest margin | 3.4465% | 3,700 |
| Noninterest income to average assets | 0.6537% | 2,355 |
| Noninterest expense to average assets | 3.5582% | 1,072 |
| Loan and lease loss provision to assets | 0.0679% | 2,783 |
| Net operating income to assets | 0.1862% | 5,551 |
| Return on assets (ROA) | 0.1923% | 5,592 |
| Pretax return on assets | 0.2873% | 5,518 |
| Return on Equity (ROE) | 2.2944% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.2944% | 4,417 |
| Net charge-offs to loans | 0.0707% | 2,174 |
| Credit loss provision to net charge-offs | 107.1429% | 1,999 |
| Earnings coverage of net charge-offs (x) | 5.4643% | 2,852 |
| Efficiency ratio | 91.1356% | 541 |
| Assets per employee ($millions) | 3.8904% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 5,722 |
| Loan loss allowance to noncurrent loans | 653.6232% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 3,778 |
| Noncurrent loans to loans | 0.0867% | 5,104 |
| Net loans and leases to total assets | 88.4868% | 116 |
| Net loans and leases to deposits | 129.9811% | 44 |
| Net loans and leases to core deposits | 135.4744% | 226 |
| Total domestic deposits to total assets | 68.0767% | 5,839 |
| Equity capital to assets | 8.3382% | 5,674 |
| Core capital (leverage) ratio | 8.5087% | 5,361 |
| Tier 1 risk-based capital ratio | 12.8215% | 4,297 |
| Total risk-based capital ratio | 13.5965% | 4,539 |
| Memoranda: | ||
| Average total assets | $88,415,670 | 4,651 |
| Average earning assets | $83,390,000 | 4,601 |
| Average equity | $7,409,330 | 5,121 |
| Average total loans | $79,240,330 | 3,862 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 1,737 |
| Cost of funding earning assets | 0.9358% | 242 |
| Net interest margin | 3.4875% | 3,517 |
| Noninterest income to average assets | 0.6053% | 2,497 |
| Noninterest expense to average assets | 3.6321% | 977 |
| Loan and lease loss provision to assets | 0.0683% | 2,587 |
| Net operating income to assets | 0.1304% | 5,639 |
| Return on assets (ROA) | 0.1365% | 5,678 |
| Pretax return on assets | 0.2048% | 5,637 |
| Return on Equity (ROE) | 1.6252% | 5,593 |
| Retained earnings to average equity (ytd only) | 1.6252% | 4,623 |
| Net charge-offs to loans | 0.0152% | 2,633 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,508 |
| Efficiency ratio | 93.2243% | 490 |
| Assets per employee ($millions) | 4.2587% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5836% | 5,765 |
| Loan loss allowance to noncurrent loans | 1,358.8235% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 4,298 |
| Noncurrent loans to loans | 0.0429% | 5,320 |
| Net loans and leases to total assets | 88.0011% | 117 |
| Net loans and leases to deposits | 127.8066% | 45 |
| Net loans and leases to core deposits | 133.1382% | 234 |
| Total domestic deposits to total assets | 68.8549% | 5,900 |
| Equity capital to assets | 8.2799% | 5,707 |
| Core capital (leverage) ratio | 8.5550% | 5,343 |
| Tier 1 risk-based capital ratio | 12.7802% | 4,412 |
| Total risk-based capital ratio | 13.5776% | 4,604 |
| Memoranda: | ||
| Average total assets | $87,883,500 | 4,699 |
| Average earning assets | $82,925,500 | 4,648 |
| Average equity | $7,383,500 | 5,158 |
| Average total loans | $79,046,000 | 3,883 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5044% | 1,578 |
| Cost of funding earning assets | 0.9804% | 194 |
| Net interest margin | 3.5240% | 3,437 |
| Noninterest income to average assets | 0.6356% | 2,533 |
| Noninterest expense to average assets | 3.6145% | 1,104 |
| Loan and lease loss provision to assets | 0.1787% | 1,267 |
| Net operating income to assets | 0.1095% | 5,743 |
| Return on assets (ROA) | 0.1468% | 5,739 |
| Pretax return on assets | 0.2095% | 5,673 |
| Return on Equity (ROE) | 1.6966% | 5,647 |
| Retained earnings to average equity (ytd only) | 1.6966% | 4,760 |
| Net charge-offs to loans | 0.1332% | 2,030 |
| Credit loss provision to net charge-offs | 148.0392% | 1,795 |
| Earnings coverage of net charge-offs (x) | 2.7745% | 3,829 |
| Efficiency ratio | 91.5193% | 598 |
| Assets per employee ($millions) | 4.1111% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5701% | 5,836 |
| Loan loss allowance to noncurrent loans | 139.3189% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 3,056 |
| Noncurrent loans to loans | 0.4092% | 3,986 |
| Net loans and leases to total assets | 90.9005% | 42 |
| Net loans and leases to deposits | 137.6228% | 22 |
| Net loans and leases to core deposits | 145.2140% | 135 |
| Total domestic deposits to total assets | 66.0505% | 6,016 |
| Equity capital to assets | 8.5273% | 5,543 |
| Core capital (leverage) ratio | 8.7468% | 5,168 |
| Tier 1 risk-based capital ratio | 12.7580% | 4,472 |
| Total risk-based capital ratio | 13.5378% | 4,665 |
| Memoranda: | ||
| Average total assets | $84,493,600 | 4,779 |
| Average earning assets | $79,454,800 | 4,729 |
| Average equity | $7,308,600 | 5,185 |
| Average total loans | $76,587,600 | 3,923 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 1,569 |
| Cost of funding earning assets | 0.9927% | 189 |
| Net interest margin | 3.5150% | 3,483 |
| Noninterest income to average assets | 0.6934% | 2,261 |
| Noninterest expense to average assets | 3.5889% | 1,137 |
| Loan and lease loss provision to assets | 0.2142% | 893 |
| Net operating income to assets | 0.1345% | 5,800 |
| Return on assets (ROA) | 0.1761% | 5,771 |
| Pretax return on assets | 0.2539% | 5,717 |
| Return on Equity (ROE) | 2.0287% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.0287% | 4,865 |
| Net charge-offs to loans | 0.1772% | 1,416 |
| Credit loss provision to net charge-offs | 133.6634% | 1,840 |
| Earnings coverage of net charge-offs (x) | 2.5446% | 3,652 |
| Efficiency ratio | 89.7975% | 718 |
| Assets per employee ($millions) | 4.0077% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 5,946 |
| Loan loss allowance to noncurrent loans | 160.1476% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 3,241 |
| Noncurrent loans to loans | 0.3517% | 4,355 |
| Net loans and leases to total assets | 91.0469% | 41 |
| Net loans and leases to deposits | 134.2008% | 30 |
| Net loans and leases to core deposits | 142.4566% | 153 |
| Total domestic deposits to total assets | 67.8438% | 6,043 |
| Equity capital to assets | 8.7523% | 5,534 |
| Core capital (leverage) ratio | 8.7799% | 5,258 |
| Tier 1 risk-based capital ratio | 13.0862% | 4,384 |
| Total risk-based capital ratio | 13.8581% | 4,585 |
| Memoranda: | ||
| Average total assets | $84,033,500 | 4,848 |
| Average earning assets | $78,973,000 | 4,800 |
| Average equity | $7,295,250 | 5,259 |
| Average total loans | $76,002,500 | 3,977 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 1,610 |
| Cost of funding earning assets | 1.0060% | 178 |
| Net interest margin | 3.4717% | 3,614 |
| Noninterest income to average assets | 0.6334% | 2,560 |
| Noninterest expense to average assets | 3.6004% | 1,129 |
| Loan and lease loss provision to assets | 0.2834% | 572 |
| Net operating income to assets | 0.0092% | 5,979 |
| Return on assets (ROA) | 0.0857% | 5,937 |
| Pretax return on assets | 0.1167% | 5,917 |
| Return on Equity (ROE) | 0.9901% | 5,904 |
| Retained earnings to average equity (ytd only) | 0.9901% | 5,175 |
| Net charge-offs to loans | 0.2406% | 1,079 |
| Credit loss provision to net charge-offs | 130.7692% | 1,688 |
| Earnings coverage of net charge-offs (x) | 1.3626% | 3,530 |
| Efficiency ratio | 92.4205% | 617 |
| Assets per employee ($millions) | 4.0604% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5552% | 6,037 |
| Loan loss allowance to noncurrent loans | 124.0580% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 3,452 |
| Noncurrent loans to loans | 0.4475% | 4,130 |
| Net loans and leases to total assets | 89.9025% | 70 |
| Net loans and leases to deposits | 129.5550% | 43 |
| Net loans and leases to core deposits | 136.4063% | 198 |
| Total domestic deposits to total assets | 69.3933% | 6,060 |
| Equity capital to assets | 8.5858% | 5,608 |
| Core capital (leverage) ratio | 8.7403% | 5,282 |
| Tier 1 risk-based capital ratio | 12.8269% | 4,608 |
| Total risk-based capital ratio | 13.5807% | 4,817 |
| Memoranda: | ||
| Average total assets | $83,991,000 | 4,897 |
| Average earning assets | $78,924,670 | 4,850 |
| Average equity | $7,271,670 | 5,301 |
| Average total loans | $75,650,000 | 4,009 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 1,526 |
| Cost of funding earning assets | 1.0169% | 167 |
| Net interest margin | 3.4595% | 3,586 |
| Noninterest income to average assets | 0.7342% | 1,995 |
| Noninterest expense to average assets | 3.6424% | 1,076 |
| Loan and lease loss provision to assets | 0.3407% | 387 |
| Net operating income to assets | 0.0000% | 6,015 |
| Return on assets (ROA) | 0.0000% | 6,054 |
| Pretax return on assets | 0.0000% | 6,047 |
| Return on Equity (ROE) | 0.0000% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | 0.4057% | 599 |
| Credit loss provision to net charge-offs | 93.4211% | 1,721 |
| Earnings coverage of net charge-offs (x) | 0.9342% | 2,992 |
| Efficiency ratio | 91.4458% | 750 |
| Assets per employee ($millions) | 3.9308% | 4,101 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 6,145 |
| Loan loss allowance to noncurrent loans | 159.2742% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 3,540 |
| Noncurrent loans to loans | 0.3343% | 4,588 |
| Net loans and leases to total assets | 89.3806% | 70 |
| Net loans and leases to deposits | 130.1413% | 33 |
| Net loans and leases to core deposits | 137.2414% | 176 |
| Total domestic deposits to total assets | 68.6797% | 6,178 |
| Equity capital to assets | 8.7792% | 5,522 |
| Core capital (leverage) ratio | 8.7352% | 5,285 |
| Tier 1 risk-based capital ratio | 13.2748% | 4,453 |
| Total risk-based capital ratio | 13.9984% | 4,676 |
| Memoranda: | ||
| Average total assets | $83,352,000 | 4,954 |
| Average earning assets | $78,277,000 | 4,913 |
| Average equity | $7,247,000 | 5,354 |
| Average total loans | $74,931,500 | 4,052 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 1,992 |
| Cost of funding earning assets | 1.0834% | 148 |
| Net interest margin | 3.3856% | 4,249 |
| Noninterest income to average assets | 0.7966% | 1,891 |
| Noninterest expense to average assets | 3.7257% | 1,107 |
| Loan and lease loss provision to assets | 0.1148% | 2,252 |
| Net operating income to assets | 0.0953% | 5,958 |
| Return on assets (ROA) | 0.1632% | 5,894 |
| Pretax return on assets | 0.2273% | 5,824 |
| Return on Equity (ROE) | 1.8602% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.8602% | 4,872 |
| Net charge-offs to loans | 0.1656% | 2,379 |
| Credit loss provision to net charge-offs | 77.8689% | 2,908 |
| Earnings coverage of net charge-offs (x) | 1.6803% | 4,357 |
| Efficiency ratio | 93.7633% | 608 |
| Assets per employee ($millions) | 4.0131% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4055% | 6,320 |
| Loan loss allowance to noncurrent loans | 50.6601% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 2,913 |
| Noncurrent loans to loans | 0.8004% | 3,306 |
| Net loans and leases to total assets | 89.4715% | 78 |
| Net loans and leases to deposits | 133.6080% | 33 |
| Net loans and leases to core deposits | 141.6897% | 154 |
| Total domestic deposits to total assets | 66.9657% | 6,303 |
| Equity capital to assets | 8.6929% | 5,581 |
| Core capital (leverage) ratio | 8.6929% | 5,352 |
| Tier 1 risk-based capital ratio | 13.2272% | 4,570 |
| Total risk-based capital ratio | 13.7815% | 4,938 |
| Memoranda: | ||
| Average total assets | $82,722,200 | 4,997 |
| Average earning assets | $77,623,400 | 4,935 |
| Average equity | $7,257,400 | 5,364 |
| Average total loans | $73,668,400 | 4,069 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 1,983 |
| Cost of funding earning assets | 1.0982% | 146 |
| Net interest margin | 3.3706% | 4,357 |
| Noninterest income to average assets | 0.7595% | 2,053 |
| Noninterest expense to average assets | 3.7197% | 1,091 |
| Loan and lease loss provision to assets | 0.1263% | 1,980 |
| Net operating income to assets | 0.0498% | 6,088 |
| Return on assets (ROA) | 0.1215% | 6,026 |
| Pretax return on assets | 0.1814% | 5,970 |
| Return on Equity (ROE) | 1.3812% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.3812% | 5,346 |
| Net charge-offs to loans | 0.2205% | 1,716 |
| Credit loss provision to net charge-offs | 64.4628% | 2,865 |
| Earnings coverage of net charge-offs (x) | 1.0248% | 4,254 |
| Efficiency ratio | 94.8781% | 552 |
| Assets per employee ($millions) | 3.9905% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3872% | 6,416 |
| Loan loss allowance to noncurrent loans | 42.2351% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 3,083 |
| Noncurrent loans to loans | 0.9169% | 3,271 |
| Net loans and leases to total assets | 89.3258% | 72 |
| Net loans and leases to deposits | 129.5809% | 42 |
| Net loans and leases to core deposits | 138.1675% | 161 |
| Total domestic deposits to total assets | 68.9344% | 6,315 |
| Equity capital to assets | 8.6706% | 5,665 |
| Core capital (leverage) ratio | 8.6706% | 5,479 |
| Tier 1 risk-based capital ratio | 13.1307% | 4,779 |
| Total risk-based capital ratio | 13.6566% | 5,154 |
| Memoranda: | ||
| Average total assets | $82,333,750 | 5,058 |
| Average earning assets | $77,213,750 | 4,997 |
| Average equity | $7,240,250 | 5,403 |
| Average total loans | $73,158,000 | 4,108 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 1,851 |
| Cost of funding earning assets | 1.1239% | 131 |
| Net interest margin | 3.3690% | 4,315 |
| Noninterest income to average assets | 0.7746% | 1,938 |
| Noninterest expense to average assets | 3.7583% | 1,030 |
| Loan and lease loss provision to assets | 0.0586% | 3,109 |
| Net operating income to assets | 0.0764% | 6,088 |
| Return on assets (ROA) | 0.1026% | 6,077 |
| Pretax return on assets | 0.1539% | 6,020 |
| Return on Equity (ROE) | 1.1616% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.1616% | 5,288 |
| Net charge-offs to loans | 0.3338% | 1,222 |
| Credit loss provision to net charge-offs | 19.8347% | 3,204 |
| Earnings coverage of net charge-offs (x) | 0.5868% | 4,015 |
| Efficiency ratio | 95.5873% | 576 |
| Assets per employee ($millions) | 4.0784% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3273% | 6,526 |
| Loan loss allowance to noncurrent loans | 33.1933% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 2,999 |
| Noncurrent loans to loans | 0.9861% | 3,258 |
| Net loans and leases to total assets | 88.4757% | 87 |
| Net loans and leases to deposits | 127.7043% | 45 |
| Net loans and leases to core deposits | 133.7243% | 188 |
| Total domestic deposits to total assets | 69.2817% | 6,383 |
| Equity capital to assets | 8.9105% | 5,394 |
| Core capital (leverage) ratio | 8.8700% | 5,208 |
| Tier 1 risk-based capital ratio | 13.3512% | 4,689 |
| Total risk-based capital ratio | 13.7885% | 5,130 |
| Memoranda: | ||
| Average total assets | $81,845,000 | 5,115 |
| Average earning assets | $76,698,330 | 5,052 |
| Average equity | $7,231,670 | 5,430 |
| Average total loans | $72,495,330 | 4,147 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 1,631 |
| Cost of funding earning assets | 1.1251% | 143 |
| Net interest margin | 3.4274% | 3,995 |
| Noninterest income to average assets | 0.6782% | 2,302 |
| Noninterest expense to average assets | 3.7959% | 988 |
| Loan and lease loss provision to assets | 0.0293% | 3,439 |
| Net operating income to assets | 0.0439% | 6,142 |
| Return on assets (ROA) | 0.0439% | 6,161 |
| Pretax return on assets | 0.0634% | 6,137 |
| Return on Equity (ROE) | 0.4991% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.4991% | 5,382 |
| Net charge-offs to loans | 0.1213% | 1,995 |
| Credit loss provision to net charge-offs | 27.2727% | 2,422 |
| Earnings coverage of net charge-offs (x) | 0.8636% | 3,249 |
| Efficiency ratio | 97.6161% | 560 |
| Assets per employee ($millions) | 4.2724% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4445% | 6,538 |
| Loan loss allowance to noncurrent loans | 44.1667% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 3,427 |
| Noncurrent loans to loans | 1.0065% | 3,409 |
| Net loans and leases to total assets | 87.7304% | 89 |
| Net loans and leases to deposits | 125.8122% | 45 |
| Net loans and leases to core deposits | 131.1118% | 181 |
| Total domestic deposits to total assets | 69.7312% | 6,459 |
| Equity capital to assets | 8.9140% | 5,213 |
| Core capital (leverage) ratio | 8.8721% | 5,168 |
| Tier 1 risk-based capital ratio | 13.3804% | 4,777 |
| Total risk-based capital ratio | 13.9712% | 5,114 |
| Memoranda: | ||
| Average total assets | $81,984,000 | 5,161 |
| Average earning assets | $76,793,000 | 5,096 |
| Average equity | $7,213,500 | 5,462 |
| Average total loans | $72,541,000 | 4,182 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 2,040 |
| Cost of funding earning assets | 1.3206% | 101 |
| Net interest margin | 3.2270% | 4,907 |
| Noninterest income to average assets | 1.2269% | 927 |
| Noninterest expense to average assets | 3.6519% | 1,374 |
| Loan and lease loss provision to assets | 0.0971% | 3,184 |
| Net operating income to assets | 0.3262% | 5,432 |
| Return on assets (ROA) | 0.3484% | 5,454 |
| Pretax return on assets | 0.5276% | 5,113 |
| Return on Equity (ROE) | 3.9665% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.9665% | 3,376 |
| Net charge-offs to loans | 0.0399% | 4,667 |
| Credit loss provision to net charge-offs | 278.5714% | 813 |
| Earnings coverage of net charge-offs (x) | 16.9643% | 1,753 |
| Efficiency ratio | 86.0704% | 1,408 |
| Assets per employee ($millions) | 3.9425% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4541% | 6,605 |
| Loan loss allowance to noncurrent loans | 23.3894% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 1.8963% | 1,912 |
| Noncurrent loans to loans | 1.9416% | 2,057 |
| Net loans and leases to total assets | 88.4312% | 72 |
| Net loans and leases to deposits | 129.5915% | 39 |
| Net loans and leases to core deposits | 135.0438% | 156 |
| Total domestic deposits to total assets | 68.2385% | 6,582 |
| Equity capital to assets | 8.6856% | 5,390 |
| Core capital (leverage) ratio | 8.6856% | 5,432 |
| Tier 1 risk-based capital ratio | 12.9186% | 5,037 |
| Total risk-based capital ratio | 13.5186% | 5,379 |
| Memoranda: | ||
| Average total assets | $80,368,200 | 5,230 |
| Average earning assets | $75,115,200 | 5,173 |
| Average equity | $7,059,200 | 5,547 |
| Average total loans | $70,253,200 | 4,259 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 2,056 |
| Cost of funding earning assets | 1.3462% | 97 |
| Net interest margin | 3.1990% | 5,004 |
| Noninterest income to average assets | 1.3256% | 843 |
| Noninterest expense to average assets | 3.7694% | 1,123 |
| Loan and lease loss provision to assets | 0.0602% | 3,844 |
| Net operating income to assets | 0.3279% | 5,500 |
| Return on assets (ROA) | 0.3427% | 5,585 |
| Pretax return on assets | 0.5048% | 5,343 |
| Return on Equity (ROE) | 3.8901% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.8901% | 3,919 |
| Net charge-offs to loans | 0.0403% | 4,337 |
| Credit loss provision to net charge-offs | 171.4286% | 1,391 |
| Earnings coverage of net charge-offs (x) | 15.4757% | 1,859 |
| Efficiency ratio | 87.4031% | 1,224 |
| Assets per employee ($millions) | 4.0526% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4161% | 6,712 |
| Loan loss allowance to noncurrent loans | 19.4661% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 2.0703% | 1,939 |
| Noncurrent loans to loans | 2.1375% | 2,090 |
| Net loans and leases to total assets | 88.2902% | 79 |
| Net loans and leases to deposits | 128.6744% | 39 |
| Net loans and leases to core deposits | 134.1651% | 148 |
| Total domestic deposits to total assets | 68.6152% | 6,645 |
| Equity capital to assets | 8.7697% | 5,447 |
| Core capital (leverage) ratio | 8.7697% | 5,455 |
| Tier 1 risk-based capital ratio | 12.9154% | 5,182 |
| Total risk-based capital ratio | 13.4587% | 5,572 |
| Memoranda: | ||
| Average total assets | $79,762,250 | 5,291 |
| Average earning assets | $74,478,750 | 5,233 |
| Average equity | $7,026,250 | 5,624 |
| Average total loans | $69,429,500 | 4,320 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 1,927 |
| Cost of funding earning assets | 1.3860% | 90 |
| Net interest margin | 3.1882% | 4,984 |
| Noninterest income to average assets | 1.5530% | 657 |
| Noninterest expense to average assets | 3.7942% | 1,101 |
| Loan and lease loss provision to assets | 0.0756% | 3,538 |
| Net operating income to assets | 0.4386% | 5,066 |
| Return on assets (ROA) | 0.4588% | 5,150 |
| Pretax return on assets | 0.6882% | 4,722 |
| Return on Equity (ROE) | 5.2007% | 4,618 |
| Retained earnings to average equity (ytd only) | 5.2007% | 2,926 |
| Net charge-offs to loans | 0.0495% | 3,984 |
| Credit loss provision to net charge-offs | 176.4706% | 1,345 |
| Earnings coverage of net charge-offs (x) | 17.1176% | 1,624 |
| Efficiency ratio | 83.7973% | 1,655 |
| Assets per employee ($millions) | 3.5920% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4268% | 6,754 |
| Loan loss allowance to noncurrent loans | 18.7382% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 2.1854% | 1,975 |
| Noncurrent loans to loans | 2.2776% | 2,084 |
| Net loans and leases to total assets | 87.6862% | 99 |
| Net loans and leases to deposits | 123.5562% | 59 |
| Net loans and leases to core deposits | 128.7729% | 200 |
| Total domestic deposits to total assets | 70.9687% | 6,620 |
| Equity capital to assets | 8.9643% | 5,253 |
| Core capital (leverage) ratio | 8.8997% | 5,145 |
| Tier 1 risk-based capital ratio | 13.0332% | 5,121 |
| Total risk-based capital ratio | 13.5839% | 5,553 |
| Memoranda: | ||
| Average total assets | $79,332,330 | 5,339 |
| Average earning assets | $74,024,000 | 5,277 |
| Average equity | $6,999,000 | 5,681 |
| Average total loans | $68,619,330 | 4,362 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 1,799 |
| Cost of funding earning assets | 1.3875% | 104 |
| Net interest margin | 3.2231% | 4,836 |
| Noninterest income to average assets | 1.8569% | 481 |
| Noninterest expense to average assets | 3.9101% | 987 |
| Loan and lease loss provision to assets | 0.1208% | 2,712 |
| Net operating income to assets | 0.5435% | 4,486 |
| Return on assets (ROA) | 0.5435% | 4,636 |
| Pretax return on assets | 0.8303% | 4,041 |
| Return on Equity (ROE) | 6.2100% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.2100% | 2,563 |
| Net charge-offs to loans | 0.0059% | 4,043 |
| Credit loss provision to net charge-offs | 2,400.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 213 |
| Efficiency ratio | 80.4348% | 2,265 |
| Assets per employee ($millions) | 3.7758% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4592% | 6,822 |
| Loan loss allowance to noncurrent loans | 24.6388% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 1.6357% | 2,815 |
| Noncurrent loans to loans | 1.8635% | 2,780 |
| Net loans and leases to total assets | 83.9366% | 195 |
| Net loans and leases to deposits | 119.1248% | 71 |
| Net loans and leases to core deposits | 124.1628% | 229 |
| Total domestic deposits to total assets | 70.4611% | 6,737 |
| Equity capital to assets | 8.8470% | 5,671 |
| Core capital (leverage) ratio | 8.7938% | 5,197 |
| Tier 1 risk-based capital ratio | 13.1765% | 5,080 |
| Total risk-based capital ratio | 13.7570% | 5,526 |
| Memoranda: | ||
| Average total assets | $79,486,000 | 5,379 |
| Average earning assets | $74,091,000 | 5,321 |
| Average equity | $6,956,500 | 5,751 |
| Average total loans | $68,133,500 | 4,418 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 1,791 |
| Cost of funding earning assets | 1.5312% | 145 |
| Net interest margin | 3.3825% | 4,950 |
| Noninterest income to average assets | 1.7060% | 562 |
| Noninterest expense to average assets | 3.8304% | 1,205 |
| Loan and lease loss provision to assets | 0.2073% | 3,069 |
| Net operating income to assets | 0.4867% | 4,735 |
| Return on assets (ROA) | 0.4867% | 4,988 |
| Pretax return on assets | 0.8111% | 4,253 |
| Return on Equity (ROE) | 5.6151% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.6151% | 2,303 |
| Net charge-offs to loans | 0.1209% | 4,480 |
| Credit loss provision to net charge-offs | 201.2500% | 1,285 |
| Earnings coverage of net charge-offs (x) | 9.8875% | 2,205 |
| Efficiency ratio | 78.9963% | 2,272 |
| Assets per employee ($millions) | 3.9840% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4092% | 6,890 |
| Loan loss allowance to noncurrent loans | 26.1993% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 1.4244% | 3,262 |
| Noncurrent loans to loans | 1.5618% | 3,274 |
| Net loans and leases to total assets | 86.7482% | 113 |
| Net loans and leases to deposits | 125.3350% | 55 |
| Net loans and leases to core deposits | 130.6932% | 182 |
| Total domestic deposits to total assets | 69.2131% | 6,816 |
| Equity capital to assets | 8.6571% | 5,899 |
| Core capital (leverage) ratio | 8.5998% | 5,463 |
| Tier 1 risk-based capital ratio | 12.3883% | 5,552 |
| Total risk-based capital ratio | 12.9021% | 5,958 |
| Memoranda: | ||
| Average total assets | $77,668,800 | 5,415 |
| Average earning assets | $72,165,000 | 5,362 |
| Average equity | $6,731,800 | 5,835 |
| Average total loans | $66,169,000 | 4,496 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 1,933 |
| Cost of funding earning assets | 1.5457% | 163 |
| Net interest margin | 3.3759% | 5,111 |
| Noninterest income to average assets | 1.6017% | 578 |
| Noninterest expense to average assets | 3.7546% | 1,281 |
| Loan and lease loss provision to assets | 0.1901% | 3,212 |
| Net operating income to assets | 0.5287% | 4,717 |
| Return on assets (ROA) | 0.5287% | 4,986 |
| Pretax return on assets | 0.7931% | 4,513 |
| Return on Equity (ROE) | 6.0983% | 4,288 |
| Retained earnings to average equity (ytd only) | 6.0983% | 2,634 |
| Net charge-offs to loans | 0.1306% | 4,072 |
| Credit loss provision to net charge-offs | 171.8750% | 1,619 |
| Earnings coverage of net charge-offs (x) | 8.8908% | 2,386 |
| Efficiency ratio | 79.2487% | 2,200 |
| Assets per employee ($millions) | 3.9264% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3665% | 7,033 |
| Loan loss allowance to noncurrent loans | 23.0769% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4390% | 3,446 |
| Noncurrent loans to loans | 1.5881% | 3,405 |
| Net loans and leases to total assets | 86.2036% | 141 |
| Net loans and leases to deposits | 122.9838% | 66 |
| Net loans and leases to core deposits | 127.2563% | 217 |
| Total domestic deposits to total assets | 70.0935% | 6,836 |
| Equity capital to assets | 8.6924% | 6,111 |
| Core capital (leverage) ratio | 8.6569% | 5,544 |
| Tier 1 risk-based capital ratio | 13.1519% | 5,128 |
| Total risk-based capital ratio | 13.6339% | 5,685 |
| Memoranda: | ||
| Average total assets | $77,166,000 | 5,484 |
| Average earning assets | $71,682,750 | 5,438 |
| Average equity | $6,690,250 | 5,915 |
| Average total loans | $65,360,000 | 4,582 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 1,853 |
| Cost of funding earning assets | 1.5781% | 169 |
| Net interest margin | 3.3977% | 5,099 |
| Noninterest income to average assets | 1.6008% | 579 |
| Noninterest expense to average assets | 3.6578% | 1,455 |
| Loan and lease loss provision to assets | 0.2112% | 2,962 |
| Net operating income to assets | 0.5918% | 4,407 |
| Return on assets (ROA) | 0.5918% | 4,666 |
| Pretax return on assets | 0.8864% | 4,131 |
| Return on Equity (ROE) | 6.8322% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.8322% | 2,199 |
| Net charge-offs to loans | 0.1302% | 3,884 |
| Credit loss provision to net charge-offs | 192.8571% | 1,468 |
| Earnings coverage of net charge-offs (x) | 10.0238% | 2,106 |
| Efficiency ratio | 76.9189% | 2,609 |
| Assets per employee ($millions) | 3.6218% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3746% | 7,091 |
| Loan loss allowance to noncurrent loans | 30.7497% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 4,180 |
| Noncurrent loans to loans | 1.2183% | 4,109 |
| Net loans and leases to total assets | 84.6129% | 191 |
| Net loans and leases to deposits | 122.0907% | 66 |
| Net loans and leases to core deposits | 126.4894% | 240 |
| Total domestic deposits to total assets | 69.3033% | 6,941 |
| Equity capital to assets | 8.8710% | 5,842 |
| Core capital (leverage) ratio | 8.8344% | 5,160 |
| Tier 1 risk-based capital ratio | 13.2642% | 4,992 |
| Total risk-based capital ratio | 13.7422% | 5,550 |
| Memoranda: | ||
| Average total assets | $76,712,000 | 5,527 |
| Average earning assets | $71,225,000 | 5,484 |
| Average equity | $6,645,000 | 5,947 |
| Average total loans | $64,499,000 | 4,625 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 2,002 |
| Cost of funding earning assets | 1.6113% | 182 |
| Net interest margin | 3.3568% | 5,278 |
| Noninterest income to average assets | 1.8380% | 468 |
| Noninterest expense to average assets | 3.5670% | 1,635 |
| Loan and lease loss provision to assets | 0.2285% | 2,662 |
| Net operating income to assets | 0.7581% | 3,583 |
| Return on assets (ROA) | 0.7581% | 3,820 |
| Pretax return on assets | 1.1578% | 3,078 |
| Return on Equity (ROE) | 8.8565% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.8565% | 1,637 |
| Net charge-offs to loans | 0.1614% | 3,122 |
| Credit loss provision to net charge-offs | 169.2308% | 1,509 |
| Earnings coverage of net charge-offs (x) | 10.2692% | 1,770 |
| Efficiency ratio | 72.0126% | 3,445 |
| Assets per employee ($millions) | 3.8279% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3499% | 7,155 |
| Loan loss allowance to noncurrent loans | 25.6678% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 4,011 |
| Noncurrent loans to loans | 1.3631% | 4,075 |
| Net loans and leases to total assets | 82.2148% | 269 |
| Net loans and leases to deposits | 121.0004% | 67 |
| Net loans and leases to core deposits | 126.0378% | 234 |
| Total domestic deposits to total assets | 67.9459% | 7,052 |
| Equity capital to assets | 8.7097% | 5,862 |
| Core capital (leverage) ratio | 8.6718% | 5,347 |
| Tier 1 risk-based capital ratio | 13.1584% | 5,089 |
| Total risk-based capital ratio | 13.5967% | 5,683 |
| Memoranda: | ||
| Average total assets | $77,039,500 | 5,563 |
| Average earning assets | $71,496,000 | 5,516 |
| Average equity | $6,594,000 | 5,996 |
| Average total loans | $64,450,500 | 4,644 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 2,289 |
| Cost of funding earning assets | 1.8259% | 195 |
| Net interest margin | 3.3139% | 5,765 |
| Noninterest income to average assets | 1.1129% | 1,070 |
| Noninterest expense to average assets | 3.3925% | 2,262 |
| Loan and lease loss provision to assets | 0.0998% | 5,342 |
| Net operating income to assets | 0.4357% | 4,713 |
| Return on assets (ROA) | 0.4400% | 4,898 |
| Pretax return on assets | 0.6498% | 4,509 |
| Return on Equity (ROE) | 5.4134% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.4134% | 2,362 |
| Net charge-offs to loans | 0.1540% | 4,908 |
| Credit loss provision to net charge-offs | 78.7879% | 4,510 |
| Earnings coverage of net charge-offs (x) | 5.8687% | 2,657 |
| Efficiency ratio | 82.0291% | 2,018 |
| Assets per employee ($millions) | 4.0801% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3088% | 7,215 |
| Loan loss allowance to noncurrent loans | 17.2326% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 1.7131% | 3,383 |
| Noncurrent loans to loans | 1.7920% | 3,481 |
| Net loans and leases to total assets | 84.5384% | 188 |
| Net loans and leases to deposits | 125.1193% | 69 |
| Net loans and leases to core deposits | 129.6773% | 240 |
| Total domestic deposits to total assets | 67.5662% | 7,090 |
| Equity capital to assets | 8.4106% | 6,241 |
| Core capital (leverage) ratio | 8.4275% | 5,675 |
| Tier 1 risk-based capital ratio | 11.5394% | 6,140 |
| Total risk-based capital ratio | 11.8979% | 6,601 |
| Memoranda: | ||
| Average total assets | $78,173,200 | 5,497 |
| Average earning assets | $71,305,400 | 5,493 |
| Average equity | $6,354,600 | 6,057 |
| Average total loans | $64,295,000 | 4,702 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 2,492 |
| Cost of funding earning assets | 1.8769% | 192 |
| Net interest margin | 3.2480% | 6,022 |
| Noninterest income to average assets | 0.9770% | 1,403 |
| Noninterest expense to average assets | 3.2781% | 2,567 |
| Loan and lease loss provision to assets | 0.0340% | 6,014 |
| Net operating income to assets | 0.4063% | 4,966 |
| Return on assets (ROA) | 0.4119% | 5,135 |
| Pretax return on assets | 0.6246% | 4,729 |
| Return on Equity (ROE) | 5.1108% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.1108% | 3,098 |
| Net charge-offs to loans | 0.1043% | 4,955 |
| Credit loss provision to net charge-offs | 40.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | 7.6394% | 2,327 |
| Efficiency ratio | 83.4489% | 1,797 |
| Assets per employee ($millions) | 4.3302% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2954% | 7,289 |
| Loan loss allowance to noncurrent loans | 104.3011% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 5,878 |
| Noncurrent loans to loans | 0.2832% | 6,289 |
| Net loans and leases to total assets | 84.0090% | 224 |
| Net loans and leases to deposits | 124.2363% | 70 |
| Net loans and leases to core deposits | 127.9681% | 268 |
| Total domestic deposits to total assets | 67.6203% | 7,156 |
| Equity capital to assets | 8.2328% | 6,541 |
| Core capital (leverage) ratio | 8.2496% | 6,058 |
| Tier 1 risk-based capital ratio | 11.4485% | 6,271 |
| Total risk-based capital ratio | 11.7938% | 6,746 |
| Memoranda: | ||
| Average total assets | $78,336,250 | 5,544 |
| Average earning assets | $71,181,000 | 5,539 |
| Average equity | $6,313,250 | 6,110 |
| Average total loans | $63,934,250 | 4,753 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1082% | 2,637 |
| Cost of funding earning assets | 1.9060% | 201 |
| Net interest margin | 3.2021% | 6,156 |
| Noninterest income to average assets | 1.0221% | 1,268 |
| Noninterest expense to average assets | 3.2855% | 2,615 |
| Loan and lease loss provision to assets | 0.0255% | 5,981 |
| Net operating income to assets | 0.3994% | 4,946 |
| Return on assets (ROA) | 0.4078% | 5,065 |
| Pretax return on assets | 0.6143% | 4,701 |
| Return on Equity (ROE) | 5.0966% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.0966% | 2,945 |
| Net charge-offs to loans | 0.0631% | 5,014 |
| Credit loss provision to net charge-offs | 50.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | 12.3000% | 1,638 |
| Efficiency ratio | 83.9739% | 1,815 |
| Assets per employee ($millions) | 4.3533% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3377% | 7,326 |
| Loan loss allowance to noncurrent loans | 168.5039% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 5,910 |
| Noncurrent loans to loans | 0.2004% | 6,508 |
| Net loans and leases to total assets | 80.6021% | 486 |
| Net loans and leases to deposits | 118.4172% | 97 |
| Net loans and leases to core deposits | 121.9121% | 379 |
| Total domestic deposits to total assets | 68.0662% | 7,190 |
| Equity capital to assets | 8.0884% | 6,607 |
| Core capital (leverage) ratio | 8.1019% | 6,164 |
| Tier 1 risk-based capital ratio | 11.4102% | 6,239 |
| Total risk-based capital ratio | 11.7947% | 6,769 |
| Memoranda: | ||
| Average total assets | $78,467,000 | 5,588 |
| Average earning assets | $70,827,670 | 5,603 |
| Average equity | $6,278,670 | 6,146 |
| Average total loans | $63,354,330 | 4,816 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2528% | 2,039 |
| Cost of funding earning assets | 1.9569% | 193 |
| Net interest margin | 3.2959% | 5,794 |
| Noninterest income to average assets | 1.3856% | 678 |
| Noninterest expense to average assets | 3.2399% | 2,738 |
| Loan and lease loss provision to assets | 0.0204% | 5,698 |
| Net operating income to assets | 0.7063% | 3,494 |
| Return on assets (ROA) | 0.7234% | 3,476 |
| Pretax return on assets | 1.0851% | 2,810 |
| Return on Equity (ROE) | 9.0895% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.0895% | 1,358 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,333 |
| Assets per employee ($millions) | 4.1216% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3769% | 7,358 |
| Loan loss allowance to noncurrent loans | 168.8889% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 6,318 |
| Noncurrent loans to loans | 0.2232% | 6,533 |
| Net loans and leases to total assets | 76.9621% | 877 |
| Net loans and leases to deposits | 115.3187% | 122 |
| Net loans and leases to core deposits | 128.9397% | 280 |
| Total domestic deposits to total assets | 66.7386% | 7,308 |
| Equity capital to assets | 8.0730% | 6,418 |
| Core capital (leverage) ratio | 8.0842% | 6,147 |
| Tier 1 risk-based capital ratio | 11.7682% | 5,881 |
| Total risk-based capital ratio | 12.1919% | 6,527 |
| Memoranda: | ||
| Average total assets | $78,521,000 | 5,629 |
| Average earning assets | $69,906,000 | 5,676 |
| Average equity | $6,249,000 | 6,168 |
| Average total loans | $63,345,000 | 4,857 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3683% | 2,817 |
| Cost of funding earning assets | 2.1803% | 325 |
| Net interest margin | 3.1880% | 6,296 |
| Noninterest income to average assets | 1.0231% | 1,433 |
| Noninterest expense to average assets | 3.2372% | 2,957 |
| Loan and lease loss provision to assets | 0.1060% | 6,087 |
| Net operating income to assets | 0.3797% | 4,641 |
| Return on assets (ROA) | 0.3797% | 4,784 |
| Pretax return on assets | 0.5854% | 4,371 |
| Return on Equity (ROE) | 5.0752% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.0752% | 2,370 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4021% | 2,110 |
| Assets per employee ($millions) | 4.3740% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3384% | 7,463 |
| Loan loss allowance to noncurrent loans | 94.5148% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 6,064 |
| Noncurrent loans to loans | 0.3580% | 6,344 |
| Net loans and leases to total assets | 83.7893% | 320 |
| Net loans and leases to deposits | 127.0687% | 79 |
| Net loans and leases to core deposits | 133.8792% | 285 |
| Total domestic deposits to total assets | 65.9402% | 7,394 |
| Equity capital to assets | 7.8443% | 6,646 |
| Core capital (leverage) ratio | 7.8588% | 6,374 |
| Tier 1 risk-based capital ratio | 10.9236% | 6,389 |
| Total risk-based capital ratio | 11.3190% | 6,933 |
| Memoranda: | ||
| Average total assets | $79,266,600 | 5,612 |
| Average earning assets | $72,239,000 | 5,593 |
| Average equity | $5,930,800 | 6,387 |
| Average total loans | $66,284,000 | 4,814 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 3,083 |
| Cost of funding earning assets | 2.2098% | 374 |
| Net interest margin | 3.1484% | 6,488 |
| Noninterest income to average assets | 0.8564% | 1,973 |
| Noninterest expense to average assets | 3.0982% | 3,349 |
| Loan and lease loss provision to assets | 0.0957% | 6,065 |
| Net operating income to assets | 0.3795% | 4,842 |
| Return on assets (ROA) | 0.3795% | 5,029 |
| Pretax return on assets | 0.5239% | 4,842 |
| Return on Equity (ROE) | 5.1338% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.1338% | 2,888 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,908 |
| Assets per employee ($millions) | 4.5302% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2905% | 7,598 |
| Loan loss allowance to noncurrent loans | 80.0813% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 5,467 |
| Noncurrent loans to loans | 0.3628% | 6,469 |
| Net loans and leases to total assets | 82.9231% | 417 |
| Net loans and leases to deposits | 126.3038% | 87 |
| Net loans and leases to core deposits | 145.2245% | 217 |
| Total domestic deposits to total assets | 65.6537% | 7,482 |
| Equity capital to assets | 7.4807% | 7,140 |
| Core capital (leverage) ratio | 7.4960% | 6,848 |
| Tier 1 risk-based capital ratio | 10.4819% | 6,790 |
| Total risk-based capital ratio | 10.8197% | 7,229 |
| Memoranda: | ||
| Average total assets | $79,400,250 | 5,678 |
| Average earning assets | $72,162,000 | 5,665 |
| Average equity | $5,869,500 | 6,494 |
| Average total loans | $66,306,750 | 4,888 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 3,246 |
| Cost of funding earning assets | 2.2462% | 402 |
| Net interest margin | 3.0966% | 6,617 |
| Noninterest income to average assets | 0.6990% | 2,711 |
| Noninterest expense to average assets | 3.1416% | 3,134 |
| Loan and lease loss provision to assets | 0.0458% | 6,514 |
| Net operating income to assets | 0.2389% | 5,413 |
| Return on assets (ROA) | 0.2389% | 5,558 |
| Pretax return on assets | 0.3253% | 5,434 |
| Return on Equity (ROE) | 3.2455% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.2455% | 4,037 |
| Net charge-offs to loans | -0.0061% | 7,129 |
| Credit loss provision to net charge-offs | -900.0000% | 6,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4356% | 1,379 |
| Assets per employee ($millions) | 4.7849% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2405% | 7,688 |
| Loan loss allowance to noncurrent loans | 54.6075% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 5,750 |
| Noncurrent loans to loans | 0.4405% | 6,363 |
| Net loans and leases to total assets | 81.5817% | 586 |
| Net loans and leases to deposits | 124.3321% | 96 |
| Net loans and leases to core deposits | 130.7735% | 409 |
| Total domestic deposits to total assets | 65.6160% | 7,542 |
| Equity capital to assets | 7.3381% | 7,203 |
| Core capital (leverage) ratio | 7.3511% | 6,955 |
| Tier 1 risk-based capital ratio | 10.6003% | 6,606 |
| Total risk-based capital ratio | 10.8839% | 7,208 |
| Memoranda: | ||
| Average total assets | $78,686,000 | 5,736 |
| Average earning assets | $71,498,330 | 5,722 |
| Average equity | $5,792,670 | 6,535 |
| Average total loans | $65,804,000 | 4,948 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3699% | 3,193 |
| Cost of funding earning assets | 2.2660% | 474 |
| Net interest margin | 3.1038% | 6,584 |
| Noninterest income to average assets | 0.5740% | 3,469 |
| Noninterest expense to average assets | 3.1180% | 3,191 |
| Loan and lease loss provision to assets | 0.0465% | 6,200 |
| Net operating income to assets | 0.2017% | 5,683 |
| Return on assets (ROA) | 0.2017% | 5,799 |
| Pretax return on assets | 0.2637% | 5,703 |
| Return on Equity (ROE) | 2.7347% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.7347% | 4,493 |
| Net charge-offs to loans | -0.0122% | 6,939 |
| Credit loss provision to net charge-offs | -450.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9502% | 1,355 |
| Assets per employee ($millions) | 4.3099% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1483% | 7,826 |
| Loan loss allowance to noncurrent loans | 48.9899% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,990 |
| Noncurrent loans to loans | 0.3027% | 6,720 |
| Net loans and leases to total assets | 84.1929% | 356 |
| Net loans and leases to deposits | 130.4129% | 79 |
| Net loans and leases to core deposits | 135.6257% | 386 |
| Total domestic deposits to total assets | 64.5587% | 7,661 |
| Equity capital to assets | 7.3770% | 7,162 |
| Core capital (leverage) ratio | 7.3794% | 6,955 |
| Tier 1 risk-based capital ratio | 10.3068% | 6,804 |
| Total risk-based capital ratio | 10.4814% | 7,414 |
| Memoranda: | ||
| Average total assets | $77,357,500 | 5,837 |
| Average earning assets | $71,137,500 | 5,810 |
| Average equity | $5,704,500 | 6,616 |
| Average total loans | $65,445,500 | 5,018 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4620% | 4,375 |
| Cost of funding earning assets | 2.5819% | 820 |
| Net interest margin | 2.8801% | 6,899 |
| Noninterest income to average assets | 0.8883% | 1,989 |
| Noninterest expense to average assets | 3.1417% | 3,576 |
| Loan and lease loss provision to assets | 0.0690% | 6,888 |
| Net operating income to assets | 0.2547% | 4,702 |
| Return on assets (ROA) | 0.3247% | 4,519 |
| Pretax return on assets | 0.4537% | 4,338 |
| Return on Equity (ROE) | 4.5875% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.5875% | 2,046 |
| Net charge-offs to loans | 0.0464% | 6,642 |
| Credit loss provision to net charge-offs | 174.1935% | 2,422 |
| Earnings coverage of net charge-offs (x) | 10.7419% | 1,651 |
| Efficiency ratio | 88.0688% | 1,875 |
| Assets per employee ($millions) | 4.5374% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2810% | 7,835 |
| Loan loss allowance to noncurrent loans | 35.3846% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 5,778 |
| Noncurrent loans to loans | 0.7942% | 5,692 |
| Net loans and leases to total assets | 84.6479% | 382 |
| Net loans and leases to deposits | 132.5659% | 79 |
| Net loans and leases to core deposits | 159.3625% | 349 |
| Total domestic deposits to total assets | 63.8535% | 7,712 |
| Equity capital to assets | 7.3714% | 7,145 |
| Core capital (leverage) ratio | 7.3726% | 6,913 |
| Tier 1 risk-based capital ratio | 10.2189% | 6,664 |
| Total risk-based capital ratio | 10.5495% | 7,326 |
| Memoranda: | ||
| Average total assets | $78,237,400 | 5,777 |
| Average earning assets | $72,775,600 | 5,726 |
| Average equity | $5,536,800 | 6,761 |
| Average total loans | $66,794,400 | 4,990 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 4,838 |
| Cost of funding earning assets | 2.6529% | 904 |
| Net interest margin | 2.7696% | 7,101 |
| Noninterest income to average assets | 0.8117% | 2,373 |
| Noninterest expense to average assets | 3.0364% | 3,895 |
| Loan and lease loss provision to assets | 0.0340% | 7,019 |
| Net operating income to assets | 0.2124% | 5,108 |
| Return on assets (ROA) | 0.2989% | 4,897 |
| Pretax return on assets | 0.4483% | 4,668 |
| Return on Equity (ROE) | 4.2669% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.2669% | 2,889 |
| Net charge-offs to loans | 0.0099% | 6,800 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 41.5787% | 728 |
| Efficiency ratio | 89.5792% | 1,728 |
| Assets per employee ($millions) | 4.5276% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2670% | 7,927 |
| Loan loss allowance to noncurrent loans | 25.3237% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9783% | 5,104 |
| Noncurrent loans to loans | 1.0543% | 5,210 |
| Net loans and leases to total assets | 85.4177% | 394 |
| Net loans and leases to deposits | 136.3092% | 82 |
| Net loans and leases to core deposits | 174.4481% | 227 |
| Total domestic deposits to total assets | 62.6647% | 7,804 |
| Equity capital to assets | 7.2847% | 7,435 |
| Core capital (leverage) ratio | 7.2859% | 7,200 |
| Tier 1 risk-based capital ratio | 10.2878% | 6,696 |
| Total risk-based capital ratio | 10.6107% | 7,437 |
| Memoranda: | ||
| Average total assets | $78,512,750 | 5,811 |
| Average earning assets | $73,076,500 | 5,749 |
| Average equity | $5,499,500 | 6,848 |
| Average total loans | $67,123,500 | 5,014 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 4,848 |
| Cost of funding earning assets | 2.7570% | 887 |
| Net interest margin | 2.7027% | 7,191 |
| Noninterest income to average assets | 0.7769% | 2,537 |
| Noninterest expense to average assets | 3.0597% | 3,845 |
| Loan and lease loss provision to assets | 0.0304% | 6,940 |
| Net operating income to assets | 0.1369% | 5,459 |
| Return on assets (ROA) | 0.2657% | 5,123 |
| Pretax return on assets | 0.3973% | 4,941 |
| Return on Equity (ROE) | 3.8436% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.8436% | 3,155 |
| Net charge-offs to loans | 0.0178% | 6,273 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,592 |
| Efficiency ratio | 92.8571% | 1,579 |
| Assets per employee ($millions) | 4.5881% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2493% | 8,028 |
| Loan loss allowance to noncurrent loans | 25.7319% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 5,163 |
| Noncurrent loans to loans | 0.9688% | 5,283 |
| Net loans and leases to total assets | 85.6777% | 411 |
| Net loans and leases to deposits | 134.5210% | 98 |
| Net loans and leases to core deposits | 176.3498% | 256 |
| Total domestic deposits to total assets | 63.6909% | 7,845 |
| Equity capital to assets | 7.0798% | 7,561 |
| Core capital (leverage) ratio | 7.0976% | 7,455 |
| Tier 1 risk-based capital ratio | 10.2550% | 6,646 |
| Total risk-based capital ratio | 10.5643% | 7,513 |
| Memoranda: | ||
| Average total assets | $79,027,000 | 5,833 |
| Average earning assets | $73,630,000 | 5,762 |
| Average equity | $5,463,670 | 6,912 |
| Average total loans | $67,524,000 | 5,044 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 4,929 |
| Cost of funding earning assets | 2.8726% | 824 |
| Net interest margin | 2.6242% | 7,332 |
| Noninterest income to average assets | 0.4476% | 4,801 |
| Noninterest expense to average assets | 3.0474% | 3,567 |
| Loan and lease loss provision to assets | 0.0302% | 6,553 |
| Net operating income to assets | -0.1253% | 6,451 |
| Return on assets (ROA) | 0.1307% | 6,050 |
| Pretax return on assets | 0.1961% | 5,945 |
| Return on Equity (ROE) | 1.9137% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.9137% | 4,788 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3913% | 941 |
| Assets per employee ($millions) | 4.3413% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2544% | 8,067 |
| Loan loss allowance to noncurrent loans | 106.3694% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 6,929 |
| Noncurrent loans to loans | 0.2391% | 6,845 |
| Net loans and leases to total assets | 83.7991% | 718 |
| Net loans and leases to deposits | 134.1610% | 119 |
| Net loans and leases to core deposits | 180.5608% | 230 |
| Total domestic deposits to total assets | 62.4616% | 7,896 |
| Equity capital to assets | 6.9705% | 7,696 |
| Core capital (leverage) ratio | 6.9831% | 7,645 |
| Tier 1 risk-based capital ratio | 10.1956% | 6,723 |
| Total risk-based capital ratio | 10.5075% | 7,603 |
| Memoranda: | ||
| Average total assets | $79,542,000 | 5,841 |
| Average earning assets | $74,080,000 | 5,764 |
| Average equity | $5,434,500 | 6,966 |
| Average total loans | $67,789,500 | 5,059 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1107% | 4,988 |
| Cost of funding earning assets | 3.3174% | 875 |
| Net interest margin | 2.7933% | 7,341 |
| Noninterest income to average assets | 0.4190% | 5,309 |
| Noninterest expense to average assets | 3.0097% | 4,053 |
| Loan and lease loss provision to assets | 1.4285% | 961 |
| Net operating income to assets | -0.9502% | 7,222 |
| Return on assets (ROA) | -0.9553% | 7,145 |
| Pretax return on assets | -1.4310% | 7,225 |
| Return on Equity (ROE) | -12.6306% | 7,475 |
| Retained earnings to average equity (ytd only) | -12.6306% | 7,301 |
| Net charge-offs to loans | 0.0676% | 5,808 |
| Credit loss provision to net charge-offs | 2,408.5106% | 194 |
| Earnings coverage of net charge-offs (x) | 0.0851% | 6,194 |
| Efficiency ratio | 99.8326% | 991 |
| Assets per employee ($millions) | 4.4967% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2302% | 8,141 |
| Loan loss allowance to noncurrent loans | 68.8034% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 6,426 |
| Noncurrent loans to loans | 0.3346% | 6,378 |
| Net loans and leases to total assets | 86.1959% | 582 |
| Net loans and leases to deposits | 136.9081% | 130 |
| Net loans and leases to core deposits | 187.3191% | 229 |
| Total domestic deposits to total assets | 62.9590% | 7,840 |
| Equity capital to assets | 6.6988% | 7,871 |
| Core capital (leverage) ratio | 6.5510% | 7,918 |
| Tier 1 risk-based capital ratio | 9.3080% | 7,514 |
| Total risk-based capital ratio | 9.5910% | 8,067 |
| Memoranda: | ||
| Average total assets | $79,243,200 | 5,726 |
| Average earning assets | $73,641,800 | 5,676 |
| Average equity | $5,993,400 | 6,810 |
| Average total loans | $69,500,200 | 4,891 |