Home > Leitchfield Deposit Bank & Trust Company > Performance and Condition Ratios
Leitchfield Deposit Bank & Trust Company, Performance and Condition Ratios
| 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 | 4.3670% | 1,902 |
| Cost of funding earning assets | 0.3779% | 3,319 |
| Net interest margin | 3.9890% | 1,646 |
| Noninterest income to average assets | 0.3073% | 4,528 |
| Noninterest expense to average assets | 1.7063% | 5,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6899% | 587 |
| Return on assets (ROA) | 1.6899% | 626 |
| Pretax return on assets | 2.3960% | 284 |
| Return on Equity (ROE) | 10.3745% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.3745% | 770 |
| Net charge-offs to loans | -0.0105% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5936% | 5,932 |
| Assets per employee ($millions) | 4.7709% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 4,292 |
| Loan loss allowance to noncurrent loans | 44.9661% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 1,202 |
| Noncurrent loans to loans | 2.3549% | 837 |
| Net loans and leases to total assets | 59.8841% | 3,787 |
| Net loans and leases to deposits | 81.3292% | 2,627 |
| Net loans and leases to core deposits | 87.9067% | 2,573 |
| Total domestic deposits to total assets | 73.6317% | 5,647 |
| Equity capital to assets | 16.2782% | 501 |
| Core capital (leverage) ratio | 16.4704% | 423 |
| Tier 1 risk-based capital ratio | 22.6869% | 1,056 |
| Total risk-based capital ratio | 23.5801% | 1,095 |
| Memoranda: | ||
| Average total assets | $122,372,500 | 4,035 |
| Average earning assets | $116,419,000 | 3,968 |
| Average equity | $19,933,500 | 3,207 |
| Average total loans | $75,883,000 | 3,973 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 1,446 |
| Cost of funding earning assets | 0.4080% | 3,070 |
| Net interest margin | 4.1461% | 1,290 |
| Noninterest income to average assets | 0.4100% | 3,953 |
| Noninterest expense to average assets | 2.1722% | 5,110 |
| Loan and lease loss provision to assets | 0.0082% | 4,232 |
| Net operating income to assets | 1.6663% | 611 |
| Return on assets (ROA) | 1.6663% | 629 |
| Pretax return on assets | 2.1460% | 386 |
| Return on Equity (ROE) | 10.8158% | 1,677 |
| Retained earnings to average equity (ytd only) | 9.4851% | 537 |
| Net charge-offs to loans | -0.0026% | 4,896 |
| Credit loss provision to net charge-offs | -500.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2085% | 5,751 |
| Assets per employee ($millions) | 3.8936% | 4,127 |
| Cash dividends to net income (ytd only)* | 12.3031% | 4,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 4,424 |
| Loan loss allowance to noncurrent loans | 79.2793% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 2,166 |
| Noncurrent loans to loans | 1.3027% | 1,809 |
| Net loans and leases to total assets | 62.8797% | 3,434 |
| Net loans and leases to deposits | 83.4115% | 2,433 |
| Net loans and leases to core deposits | 89.0016% | 2,502 |
| Total domestic deposits to total assets | 75.3848% | 5,511 |
| Equity capital to assets | 16.3005% | 490 |
| Core capital (leverage) ratio | 16.4388% | 423 |
| Tier 1 risk-based capital ratio | 21.6021% | 1,206 |
| Total risk-based capital ratio | 22.4717% | 1,241 |
| Memoranda: | ||
| Average total assets | $121,948,800 | 4,036 |
| Average earning assets | $115,193,800 | 3,978 |
| Average equity | $18,787,400 | 3,284 |
| Average total loans | $77,609,800 | 3,895 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 1,531 |
| Cost of funding earning assets | 0.4149% | 3,066 |
| Net interest margin | 4.1064% | 1,397 |
| Noninterest income to average assets | 0.3501% | 4,439 |
| Noninterest expense to average assets | 2.1636% | 5,138 |
| Loan and lease loss provision to assets | 0.0109% | 4,053 |
| Net operating income to assets | 1.4886% | 937 |
| Return on assets (ROA) | 1.4886% | 971 |
| Pretax return on assets | 2.0502% | 542 |
| Return on Equity (ROE) | 9.8029% | 2,179 |
| Retained earnings to average equity (ytd only) | 9.8029% | 669 |
| Net charge-offs to loans | -0.0086% | 4,938 |
| Credit loss provision to net charge-offs | -200.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2132% | 5,706 |
| Assets per employee ($millions) | 3.8067% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,659 |
| Loan loss allowance to noncurrent loans | 77.0349% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 2,224 |
| Noncurrent loans to loans | 1.3196% | 1,930 |
| Net loans and leases to total assets | 65.5972% | 3,076 |
| Net loans and leases to deposits | 84.9437% | 2,291 |
| Net loans and leases to core deposits | 89.9886% | 2,468 |
| Total domestic deposits to total assets | 77.2244% | 5,311 |
| Equity capital to assets | 16.3184% | 521 |
| Core capital (leverage) ratio | 15.7860% | 518 |
| Tier 1 risk-based capital ratio | 22.6042% | 1,107 |
| Total risk-based capital ratio | 23.5374% | 1,135 |
| Memoranda: | ||
| Average total assets | $122,260,500 | 4,079 |
| Average earning assets | $115,363,000 | 4,014 |
| Average equity | $18,565,500 | 3,335 |
| Average total loans | $77,840,000 | 3,927 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 1,687 |
| Cost of funding earning assets | 0.4189% | 3,046 |
| Net interest margin | 4.0332% | 1,544 |
| Noninterest income to average assets | 0.3202% | 4,666 |
| Noninterest expense to average assets | 2.1540% | 5,213 |
| Loan and lease loss provision to assets | 0.0162% | 3,804 |
| Net operating income to assets | 1.4311% | 1,034 |
| Return on assets (ROA) | 1.4311% | 1,070 |
| Pretax return on assets | 1.9486% | 661 |
| Return on Equity (ROE) | 9.6537% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.6537% | 741 |
| Net charge-offs to loans | -0.0103% | 4,930 |
| Credit loss provision to net charge-offs | -250.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2968% | 5,690 |
| Assets per employee ($millions) | 4.0245% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 4,751 |
| Loan loss allowance to noncurrent loans | 77.0874% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 2,500 |
| Noncurrent loans to loans | 1.3273% | 2,026 |
| Net loans and leases to total assets | 61.5664% | 3,617 |
| Net loans and leases to deposits | 84.3267% | 2,274 |
| Net loans and leases to core deposits | 89.8151% | 2,367 |
| Total domestic deposits to total assets | 73.0093% | 5,868 |
| Equity capital to assets | 15.0507% | 693 |
| Core capital (leverage) ratio | 15.0751% | 599 |
| Tier 1 risk-based capital ratio | 20.2021% | 1,506 |
| Total risk-based capital ratio | 21.0563% | 1,554 |
| Memoranda: | ||
| Average total assets | $123,678,000 | 4,081 |
| Average earning assets | $116,483,330 | 4,028 |
| Average equity | $18,335,000 | 3,379 |
| Average total loans | $77,718,330 | 3,958 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 1,775 |
| Cost of funding earning assets | 0.4295% | 2,979 |
| Net interest margin | 3.9689% | 1,658 |
| Noninterest income to average assets | 0.3021% | 4,761 |
| Noninterest expense to average assets | 2.1082% | 5,361 |
| Loan and lease loss provision to assets | 0.0325% | 3,239 |
| Net operating income to assets | 1.4423% | 957 |
| Return on assets (ROA) | 1.4423% | 1,015 |
| Pretax return on assets | 1.9133% | 699 |
| Return on Equity (ROE) | 9.8046% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.8046% | 973 |
| Net charge-offs to loans | -0.0154% | 4,926 |
| Credit loss provision to net charge-offs | -333.3333% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0032% | 5,807 |
| Assets per employee ($millions) | 3.7706% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 4,942 |
| Loan loss allowance to noncurrent loans | 78.6706% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.0374% | 2,547 |
| Noncurrent loans to loans | 1.2913% | 2,228 |
| Net loans and leases to total assets | 60.2735% | 3,616 |
| Net loans and leases to deposits | 79.7527% | 2,584 |
| Net loans and leases to core deposits | 84.6090% | 2,701 |
| Total domestic deposits to total assets | 75.5755% | 5,779 |
| Equity capital to assets | 14.3028% | 889 |
| Core capital (leverage) ratio | 14.7713% | 643 |
| Tier 1 risk-based capital ratio | 19.9717% | 1,625 |
| Total risk-based capital ratio | 20.8354% | 1,677 |
| Memoranda: | ||
| Average total assets | $123,138,000 | 4,124 |
| Average earning assets | $116,404,000 | 4,056 |
| Average equity | $18,114,000 | 3,426 |
| Average total loans | $77,776,000 | 3,966 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 1,272 |
| Cost of funding earning assets | 0.5466% | 2,232 |
| Net interest margin | 4.1663% | 1,394 |
| Noninterest income to average assets | 0.5170% | 3,381 |
| Noninterest expense to average assets | 2.4521% | 4,699 |
| Loan and lease loss provision to assets | 0.0815% | 2,850 |
| Net operating income to assets | 1.3644% | 1,152 |
| Return on assets (ROA) | 1.3644% | 1,196 |
| Pretax return on assets | 1.8970% | 650 |
| Return on Equity (ROE) | 9.1880% | 2,490 |
| Retained earnings to average equity (ytd only) | 9.1880% | 663 |
| Net charge-offs to loans | 0.1270% | 2,756 |
| Credit loss provision to net charge-offs | 95.9184% | 2,517 |
| Earnings coverage of net charge-offs (x) | 23.2755% | 1,592 |
| Efficiency ratio | 55.3446% | 5,732 |
| Assets per employee ($millions) | 3.3736% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 5,006 |
| Loan loss allowance to noncurrent loans | 73.2394% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 2,389 |
| Noncurrent loans to loans | 1.3744% | 2,135 |
| Net loans and leases to total assets | 64.9652% | 3,052 |
| Net loans and leases to deposits | 85.8263% | 2,007 |
| Net loans and leases to core deposits | 91.5043% | 2,145 |
| Total domestic deposits to total assets | 75.6938% | 5,788 |
| Equity capital to assets | 15.1528% | 681 |
| Core capital (leverage) ratio | 14.8426% | 639 |
| Tier 1 risk-based capital ratio | 21.2101% | 1,357 |
| Total risk-based capital ratio | 22.1348% | 1,404 |
| Memoranda: | ||
| Average total assets | $115,289,800 | 4,269 |
| Average earning assets | $108,298,800 | 4,224 |
| Average equity | $17,120,200 | 3,510 |
| Average total loans | $77,151,400 | 3,963 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,230 |
| Cost of funding earning assets | 0.5633% | 2,163 |
| Net interest margin | 4.1686% | 1,381 |
| Noninterest income to average assets | 0.4712% | 3,734 |
| Noninterest expense to average assets | 2.3933% | 4,851 |
| Loan and lease loss provision to assets | 0.0268% | 3,870 |
| Net operating income to assets | 1.4020% | 1,129 |
| Return on assets (ROA) | 1.4020% | 1,173 |
| Pretax return on assets | 1.9605% | 626 |
| Return on Equity (ROE) | 9.4914% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.4914% | 841 |
| Net charge-offs to loans | 0.0502% | 3,500 |
| Credit loss provision to net charge-offs | 79.3103% | 2,611 |
| Earnings coverage of net charge-offs (x) | 58.8901% | 873 |
| Efficiency ratio | 54.6348% | 5,763 |
| Assets per employee ($millions) | 3.6616% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 5,197 |
| Loan loss allowance to noncurrent loans | 228.8235% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 3,959 |
| Noncurrent loans to loans | 0.4390% | 4,585 |
| Net loans and leases to total assets | 65.4391% | 2,960 |
| Net loans and leases to deposits | 87.1485% | 1,771 |
| Net loans and leases to core deposits | 93.2911% | 1,932 |
| Total domestic deposits to total assets | 75.0892% | 5,913 |
| Equity capital to assets | 14.9560% | 742 |
| Core capital (leverage) ratio | 14.8691% | 644 |
| Tier 1 risk-based capital ratio | 20.7027% | 1,509 |
| Total risk-based capital ratio | 21.6218% | 1,547 |
| Memoranda: | ||
| Average total assets | $114,593,000 | 4,325 |
| Average earning assets | $107,468,000 | 4,278 |
| Average equity | $16,927,250 | 3,551 |
| Average total loans | $77,067,000 | 3,992 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 1,144 |
| Cost of funding earning assets | 0.5709% | 2,157 |
| Net interest margin | 4.1936% | 1,265 |
| Noninterest income to average assets | 0.4783% | 3,646 |
| Noninterest expense to average assets | 2.3405% | 5,056 |
| Loan and lease loss provision to assets | 0.0404% | 3,507 |
| Net operating income to assets | 1.4367% | 988 |
| Return on assets (ROA) | 1.4367% | 1,026 |
| Pretax return on assets | 2.0240% | 532 |
| Return on Equity (ROE) | 9.7679% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.7679% | 774 |
| Net charge-offs to loans | 0.0754% | 2,946 |
| Credit loss provision to net charge-offs | 79.3103% | 2,345 |
| Earnings coverage of net charge-offs (x) | 40.4828% | 1,051 |
| Efficiency ratio | 53.1337% | 5,986 |
| Assets per employee ($millions) | 3.7367% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 5,330 |
| Loan loss allowance to noncurrent loans | 284.9817% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 4,267 |
| Noncurrent loans to loans | 0.3520% | 4,943 |
| Net loans and leases to total assets | 66.2724% | 2,715 |
| Net loans and leases to deposits | 86.8171% | 1,736 |
| Net loans and leases to core deposits | 93.4520% | 1,824 |
| Total domestic deposits to total assets | 76.3357% | 5,876 |
| Equity capital to assets | 14.7941% | 750 |
| Core capital (leverage) ratio | 14.7277% | 647 |
| Tier 1 risk-based capital ratio | 20.2997% | 1,612 |
| Total risk-based capital ratio | 21.2213% | 1,663 |
| Memoranda: | ||
| Average total assets | $113,734,000 | 4,369 |
| Average earning assets | $106,496,670 | 4,313 |
| Average equity | $16,728,330 | 3,575 |
| Average total loans | $76,938,330 | 4,007 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 1,092 |
| Cost of funding earning assets | 0.5852% | 2,114 |
| Net interest margin | 4.1914% | 1,245 |
| Noninterest income to average assets | 0.4650% | 3,669 |
| Noninterest expense to average assets | 2.3429% | 5,087 |
| Loan and lease loss provision to assets | 0.0284% | 3,457 |
| Net operating income to assets | 1.4554% | 890 |
| Return on assets (ROA) | 1.4554% | 921 |
| Pretax return on assets | 2.0092% | 526 |
| Return on Equity (ROE) | 9.9250% | 2,068 |
| Retained earnings to average equity (ytd only) | 9.9250% | 984 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4846% | 6,056 |
| Assets per employee ($millions) | 3.8032% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 5,305 |
| Loan loss allowance to noncurrent loans | 248.2759% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 4,097 |
| Noncurrent loans to loans | 0.4239% | 4,868 |
| Net loans and leases to total assets | 65.2591% | 2,682 |
| Net loans and leases to deposits | 83.6146% | 1,859 |
| Net loans and leases to core deposits | 89.9501% | 1,907 |
| Total domestic deposits to total assets | 78.0474% | 5,829 |
| Equity capital to assets | 14.6622% | 746 |
| Core capital (leverage) ratio | 14.5764% | 680 |
| Tier 1 risk-based capital ratio | 20.1668% | 1,679 |
| Total risk-based capital ratio | 21.1216% | 1,717 |
| Memoranda: | ||
| Average total assets | $112,682,500 | 4,431 |
| Average earning assets | $105,263,000 | 4,381 |
| Average equity | $16,524,000 | 3,619 |
| Average total loans | $76,634,500 | 4,045 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 1,410 |
| Cost of funding earning assets | 0.6578% | 2,146 |
| Net interest margin | 4.1018% | 1,628 |
| Noninterest income to average assets | 0.6269% | 2,937 |
| Noninterest expense to average assets | 2.5471% | 4,622 |
| Loan and lease loss provision to assets | 0.3126% | 1,063 |
| Net operating income to assets | 1.2259% | 1,465 |
| Return on assets (ROA) | 1.2259% | 1,532 |
| Pretax return on assets | 1.5953% | 1,179 |
| Return on Equity (ROE) | 8.5766% | 2,744 |
| Retained earnings to average equity (ytd only) | 1.1973% | 5,292 |
| Net charge-offs to loans | 0.5990% | 1,095 |
| Credit loss provision to net charge-offs | 78.8546% | 3,074 |
| Earnings coverage of net charge-offs (x) | 4.8128% | 3,445 |
| Efficiency ratio | 57.1737% | 5,832 |
| Assets per employee ($millions) | 3.3718% | 5,155 |
| Cash dividends to net income (ytd only)* | 86.0399% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 5,538 |
| Loan loss allowance to noncurrent loans | 239.0244% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 3,977 |
| Noncurrent loans to loans | 0.4204% | 4,940 |
| Net loans and leases to total assets | 69.4129% | 2,107 |
| Net loans and leases to deposits | 90.2721% | 1,215 |
| Net loans and leases to core deposits | 97.3898% | 1,355 |
| Total domestic deposits to total assets | 76.8929% | 5,987 |
| Equity capital to assets | 14.6663% | 748 |
| Core capital (leverage) ratio | 14.1509% | 788 |
| Tier 1 risk-based capital ratio | 19.5439% | 1,768 |
| Total risk-based capital ratio | 20.4829% | 1,817 |
| Memoranda: | ||
| Average total assets | $114,524,000 | 4,398 |
| Average earning assets | $106,879,000 | 4,341 |
| Average equity | $16,370,200 | 3,645 |
| Average total loans | $75,789,000 | 4,065 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 1,607 |
| Cost of funding earning assets | 0.6751% | 2,138 |
| Net interest margin | 4.0211% | 1,874 |
| Noninterest income to average assets | 0.5930% | 3,190 |
| Noninterest expense to average assets | 2.5166% | 4,665 |
| Loan and lease loss provision to assets | 0.2081% | 1,746 |
| Net operating income to assets | 1.1953% | 1,652 |
| Return on assets (ROA) | 1.1953% | 1,726 |
| Pretax return on assets | 1.6207% | 1,292 |
| Return on Equity (ROE) | 8.4150% | 2,918 |
| Retained earnings to average equity (ytd only) | -1.4079% | 6,186 |
| Net charge-offs to loans | 0.8064% | 725 |
| Credit loss provision to net charge-offs | 39.5604% | 3,712 |
| Earnings coverage of net charge-offs (x) | 3.4769% | 3,689 |
| Efficiency ratio | 57.9143% | 5,700 |
| Assets per employee ($millions) | 3.5340% | 4,779 |
| Cash dividends to net income (ytd only)* | 116.7311% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 6,287 |
| Loan loss allowance to noncurrent loans | 57.6190% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4219% | 2,823 |
| Noncurrent loans to loans | 1.3880% | 3,092 |
| Net loans and leases to total assets | 66.3589% | 2,576 |
| Net loans and leases to deposits | 86.2585% | 1,586 |
| Net loans and leases to core deposits | 92.6549% | 1,705 |
| Total domestic deposits to total assets | 76.9304% | 6,056 |
| Equity capital to assets | 14.1041% | 934 |
| Core capital (leverage) ratio | 13.5836% | 986 |
| Tier 1 risk-based capital ratio | 19.4534% | 1,874 |
| Total risk-based capital ratio | 20.1912% | 1,965 |
| Memoranda: | ||
| Average total assets | $115,337,750 | 4,423 |
| Average earning assets | $107,630,000 | 4,365 |
| Average equity | $16,383,000 | 3,690 |
| Average total loans | $75,231,500 | 4,111 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 1,560 |
| Cost of funding earning assets | 0.6909% | 2,137 |
| Net interest margin | 4.0124% | 1,811 |
| Noninterest income to average assets | 0.6185% | 3,082 |
| Noninterest expense to average assets | 2.5326% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3455% | 1,210 |
| Return on assets (ROA) | 1.3455% | 1,303 |
| Pretax return on assets | 1.8279% | 875 |
| Return on Equity (ROE) | 9.4510% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.4510% | 979 |
| Net charge-offs to loans | -0.0053% | 5,647 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0798% | 5,725 |
| Assets per employee ($millions) | 3.6492% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 4,877 |
| Loan loss allowance to noncurrent loans | 107.4209% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 3,121 |
| Noncurrent loans to loans | 1.1376% | 3,660 |
| Net loans and leases to total assets | 61.1237% | 3,458 |
| Net loans and leases to deposits | 81.0005% | 2,178 |
| Net loans and leases to core deposits | 87.1779% | 2,214 |
| Total domestic deposits to total assets | 75.4609% | 6,314 |
| Equity capital to assets | 14.4759% | 830 |
| Core capital (leverage) ratio | 14.3118% | 749 |
| Tier 1 risk-based capital ratio | 21.2117% | 1,443 |
| Total risk-based capital ratio | 22.3197% | 1,446 |
| Memoranda: | ||
| Average total assets | $116,087,670 | 4,440 |
| Average earning assets | $108,265,330 | 4,379 |
| Average equity | $16,527,330 | 3,694 |
| Average total loans | $75,092,330 | 4,133 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 1,099 |
| Cost of funding earning assets | 0.7169% | 2,079 |
| Net interest margin | 4.1790% | 1,246 |
| Noninterest income to average assets | 0.8156% | 2,070 |
| Noninterest expense to average assets | 2.7267% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4929% | 869 |
| Return on assets (ROA) | 1.4929% | 942 |
| Pretax return on assets | 1.9768% | 617 |
| Return on Equity (ROE) | 10.5759% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.5759% | 970 |
| Net charge-offs to loans | -0.0052% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9721% | 5,859 |
| Assets per employee ($millions) | 3.3684% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,279 |
| Loan loss allowance to noncurrent loans | 92.6393% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.5641% | 2,918 |
| Noncurrent loans to loans | 1.2700% | 3,654 |
| Net loans and leases to total assets | 62.7705% | 2,924 |
| Net loans and leases to deposits | 81.3889% | 1,911 |
| Net loans and leases to core deposits | 88.6198% | 1,844 |
| Total domestic deposits to total assets | 77.1242% | 6,243 |
| Equity capital to assets | 14.0424% | 1,011 |
| Core capital (leverage) ratio | 14.0420% | 791 |
| Tier 1 risk-based capital ratio | 20.2694% | 1,708 |
| Total risk-based capital ratio | 21.3480% | 1,714 |
| Memoranda: | ||
| Average total assets | $115,745,000 | 4,489 |
| Average earning assets | $107,682,500 | 4,431 |
| Average equity | $16,339,000 | 3,759 |
| Average total loans | $76,509,000 | 4,122 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 837 |
| Cost of funding earning assets | 0.8158% | 2,537 |
| Net interest margin | 4.5284% | 894 |
| Noninterest income to average assets | 0.6238% | 3,147 |
| Noninterest expense to average assets | 2.7229% | 4,314 |
| Loan and lease loss provision to assets | 0.0813% | 4,684 |
| Net operating income to assets | 1.4039% | 1,095 |
| Return on assets (ROA) | 1.4039% | 1,205 |
| Pretax return on assets | 1.9889% | 615 |
| Return on Equity (ROE) | 9.8562% | 2,230 |
| Retained earnings to average equity (ytd only) | 1.9649% | 4,840 |
| Net charge-offs to loans | -0.0026% | 6,341 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8092% | 5,970 |
| Assets per employee ($millions) | 3.2456% | 5,524 |
| Cash dividends to net income (ytd only)* | 80.0643% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,451 |
| Loan loss allowance to noncurrent loans | 172.2114% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3046% | 3,471 |
| Noncurrent loans to loans | 0.6540% | 4,893 |
| Net loans and leases to total assets | 68.0080% | 2,181 |
| Net loans and leases to deposits | 88.1162% | 1,260 |
| Net loans and leases to core deposits | 94.6985% | 1,410 |
| Total domestic deposits to total assets | 77.1799% | 6,202 |
| Equity capital to assets | 14.1932% | 973 |
| Core capital (leverage) ratio | 14.3045% | 719 |
| Tier 1 risk-based capital ratio | 19.1126% | 1,927 |
| Total risk-based capital ratio | 20.1558% | 1,952 |
| Memoranda: | ||
| Average total assets | $110,764,400 | 4,576 |
| Average earning assets | $101,979,600 | 4,548 |
| Average equity | $15,776,800 | 3,815 |
| Average total loans | $78,346,000 | 4,087 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3650% | 894 |
| Cost of funding earning assets | 0.8332% | 2,683 |
| Net interest margin | 4.5319% | 932 |
| Noninterest income to average assets | 0.5718% | 3,461 |
| Noninterest expense to average assets | 2.7585% | 4,143 |
| Loan and lease loss provision to assets | 0.0182% | 5,576 |
| Net operating income to assets | 1.3980% | 1,226 |
| Return on assets (ROA) | 1.3980% | 1,350 |
| Pretax return on assets | 1.9662% | 756 |
| Return on Equity (ROE) | 9.8063% | 2,442 |
| Retained earnings to average equity (ytd only) | -0.7733% | 6,236 |
| Net charge-offs to loans | -0.0017% | 6,197 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1609% | 5,769 |
| Assets per employee ($millions) | 3.7122% | 4,510 |
| Cash dividends to net income (ytd only)* | 107.8856% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 5,967 |
| Loan loss allowance to noncurrent loans | 140.2439% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 3,444 |
| Noncurrent loans to loans | 0.7359% | 4,952 |
| Net loans and leases to total assets | 69.3135% | 2,052 |
| Net loans and leases to deposits | 90.8643% | 1,060 |
| Net loans and leases to core deposits | 96.0410% | 1,411 |
| Total domestic deposits to total assets | 76.2825% | 6,344 |
| Equity capital to assets | 14.1175% | 1,112 |
| Core capital (leverage) ratio | 14.2099% | 771 |
| Tier 1 risk-based capital ratio | 18.5874% | 2,136 |
| Total risk-based capital ratio | 19.5392% | 2,211 |
| Memoranda: | ||
| Average total assets | $110,056,250 | 4,638 |
| Average earning assets | $101,295,250 | 4,611 |
| Average equity | $15,690,250 | 3,865 |
| Average total loans | $78,398,750 | 4,127 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3744% | 916 |
| Cost of funding earning assets | 0.8597% | 2,728 |
| Net interest margin | 4.5147% | 965 |
| Noninterest income to average assets | 0.5784% | 3,386 |
| Noninterest expense to average assets | 2.8042% | 4,005 |
| Loan and lease loss provision to assets | 0.0274% | 5,328 |
| Net operating income to assets | 1.3410% | 1,326 |
| Return on assets (ROA) | 1.3410% | 1,483 |
| Pretax return on assets | 1.8956% | 853 |
| Return on Equity (ROE) | 9.3752% | 2,628 |
| Retained earnings to average equity (ytd only) | -0.1786% | 6,074 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3207% | 5,691 |
| Assets per employee ($millions) | 3.7851% | 4,356 |
| Cash dividends to net income (ytd only)* | 101.9048% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,103 |
| Loan loss allowance to noncurrent loans | 164.2127% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 1.4394% | 3,551 |
| Noncurrent loans to loans | 0.6165% | 5,281 |
| Net loans and leases to total assets | 71.5309% | 1,640 |
| Net loans and leases to deposits | 93.7159% | 797 |
| Net loans and leases to core deposits | 98.5639% | 1,211 |
| Total domestic deposits to total assets | 76.3273% | 6,416 |
| Equity capital to assets | 14.3940% | 949 |
| Core capital (leverage) ratio | 14.0257% | 796 |
| Tier 1 risk-based capital ratio | 18.6552% | 2,085 |
| Total risk-based capital ratio | 19.6033% | 2,144 |
| Memoranda: | ||
| Average total assets | $109,620,000 | 4,678 |
| Average earning assets | $100,736,670 | 4,650 |
| Average equity | $15,679,670 | 3,853 |
| Average total loans | $78,533,000 | 4,139 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 1,203 |
| Cost of funding earning assets | 0.8655% | 2,952 |
| Net interest margin | 4.3871% | 1,256 |
| Noninterest income to average assets | 0.5733% | 3,397 |
| Noninterest expense to average assets | 2.7276% | 4,324 |
| Loan and lease loss provision to assets | 0.0183% | 5,106 |
| Net operating income to assets | 1.3182% | 1,409 |
| Return on assets (ROA) | 1.3182% | 1,578 |
| Pretax return on assets | 1.8622% | 944 |
| Return on Equity (ROE) | 9.2449% | 2,713 |
| Retained earnings to average equity (ytd only) | -9.9363% | 6,840 |
| Net charge-offs to loans | -0.0154% | 6,089 |
| Credit loss provision to net charge-offs | -166.6667% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1918% | 5,743 |
| Assets per employee ($millions) | 3.5895% | 4,912 |
| Cash dividends to net income (ytd only)* | 207.4792% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,227 |
| Loan loss allowance to noncurrent loans | 204.3702% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 3,765 |
| Noncurrent loans to loans | 0.4916% | 5,692 |
| Net loans and leases to total assets | 70.4004% | 1,686 |
| Net loans and leases to deposits | 91.4202% | 845 |
| Net loans and leases to core deposits | 96.9218% | 1,207 |
| Total domestic deposits to total assets | 77.0074% | 6,405 |
| Equity capital to assets | 13.8630% | 1,067 |
| Core capital (leverage) ratio | 14.1933% | 753 |
| Tier 1 risk-based capital ratio | 18.1752% | 2,227 |
| Total risk-based capital ratio | 19.1119% | 2,317 |
| Memoranda: | ||
| Average total assets | $109,546,000 | 4,718 |
| Average earning assets | $100,750,500 | 4,681 |
| Average equity | $15,619,500 | 3,871 |
| Average total loans | $78,139,000 | 4,176 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 1,343 |
| Cost of funding earning assets | 0.9742% | 3,548 |
| Net interest margin | 4.4539% | 1,248 |
| Noninterest income to average assets | 0.6923% | 2,647 |
| Noninterest expense to average assets | 2.7587% | 4,515 |
| Loan and lease loss provision to assets | 0.1999% | 4,188 |
| Net operating income to assets | 1.3360% | 1,166 |
| Return on assets (ROA) | 1.3374% | 1,247 |
| Pretax return on assets | 1.8448% | 738 |
| Return on Equity (ROE) | 8.7120% | 2,587 |
| Retained earnings to average equity (ytd only) | -6.4388% | 6,537 |
| Net charge-offs to loans | 0.2436% | 4,259 |
| Credit loss provision to net charge-offs | 113.9785% | 2,868 |
| Earnings coverage of net charge-offs (x) | 11.6452% | 1,699 |
| Efficiency ratio | 57.4543% | 6,123 |
| Assets per employee ($millions) | 3.4780% | 5,074 |
| Cash dividends to net income (ytd only)* | 173.9069% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 6,110 |
| Loan loss allowance to noncurrent loans | 116.9139% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.8077% | 3,246 |
| Noncurrent loans to loans | 0.8737% | 4,941 |
| Net loans and leases to total assets | 70.8209% | 1,862 |
| Net loans and leases to deposits | 93.2445% | 865 |
| Net loans and leases to core deposits | 99.4581% | 1,222 |
| Total domestic deposits to total assets | 75.9518% | 6,490 |
| Equity capital to assets | 14.6665% | 855 |
| Core capital (leverage) ratio | 14.8362% | 637 |
| Tier 1 risk-based capital ratio | 19.0911% | 1,872 |
| Total risk-based capital ratio | 20.0425% | 1,918 |
| Memoranda: | ||
| Average total assets | $106,029,600 | 4,730 |
| Average earning assets | $97,824,000 | 4,690 |
| Average equity | $16,276,400 | 3,681 |
| Average total loans | $76,365,800 | 4,258 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 1,267 |
| Cost of funding earning assets | 0.9950% | 3,713 |
| Net interest margin | 4.4967% | 1,157 |
| Noninterest income to average assets | 0.6200% | 3,052 |
| Noninterest expense to average assets | 2.7782% | 4,421 |
| Loan and lease loss provision to assets | 0.0783% | 5,464 |
| Net operating income to assets | 1.3658% | 1,228 |
| Return on assets (ROA) | 1.3676% | 1,308 |
| Pretax return on assets | 1.9207% | 742 |
| Return on Equity (ROE) | 8.8088% | 2,689 |
| Retained earnings to average equity (ytd only) | -7.4586% | 6,734 |
| Net charge-offs to loans | 0.0385% | 5,610 |
| Credit loss provision to net charge-offs | 281.8182% | 1,016 |
| Earnings coverage of net charge-offs (x) | 71.8701% | 469 |
| Efficiency ratio | 58.1857% | 5,979 |
| Assets per employee ($millions) | 3.3872% | 5,274 |
| Cash dividends to net income (ytd only)* | 184.6727% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 6,145 |
| Loan loss allowance to noncurrent loans | 60.4072% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.6076% | 2,476 |
| Noncurrent loans to loans | 1.6972% | 3,763 |
| Net loans and leases to total assets | 73.6453% | 1,382 |
| Net loans and leases to deposits | 95.8810% | 704 |
| Net loans and leases to core deposits | 102.7601% | 1,053 |
| Total domestic deposits to total assets | 76.8090% | 6,406 |
| Equity capital to assets | 15.1845% | 801 |
| Core capital (leverage) ratio | 15.0856% | 647 |
| Tier 1 risk-based capital ratio | 18.9546% | 1,954 |
| Total risk-based capital ratio | 19.9068% | 2,002 |
| Memoranda: | ||
| Average total assets | $105,582,750 | 4,772 |
| Average earning assets | $97,550,750 | 4,730 |
| Average equity | $16,392,250 | 3,678 |
| Average total loans | $76,171,000 | 4,312 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4723% | 1,357 |
| Cost of funding earning assets | 1.0100% | 3,890 |
| Net interest margin | 4.4622% | 1,220 |
| Noninterest income to average assets | 0.6013% | 3,134 |
| Noninterest expense to average assets | 2.7965% | 4,429 |
| Loan and lease loss provision to assets | 0.0567% | 5,610 |
| Net operating income to assets | 1.3330% | 1,232 |
| Return on assets (ROA) | 1.3330% | 1,307 |
| Pretax return on assets | 1.8662% | 762 |
| Return on Equity (ROE) | 8.5239% | 2,709 |
| Retained earnings to average equity (ytd only) | -15.6574% | 7,052 |
| Net charge-offs to loans | 0.0344% | 5,373 |
| Credit loss provision to net charge-offs | 230.7692% | 1,303 |
| Earnings coverage of net charge-offs (x) | 78.2308% | 434 |
| Efficiency ratio | 59.2548% | 5,989 |
| Assets per employee ($millions) | 3.3051% | 5,416 |
| Cash dividends to net income (ytd only)* | 283.6879% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 6,283 |
| Loan loss allowance to noncurrent loans | 53.5076% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.5406% | 2,633 |
| Noncurrent loans to loans | 1.8911% | 3,618 |
| Net loans and leases to total assets | 71.9593% | 1,792 |
| Net loans and leases to deposits | 94.0556% | 869 |
| Net loans and leases to core deposits | 100.2384% | 1,322 |
| Total domestic deposits to total assets | 76.5071% | 6,521 |
| Equity capital to assets | 14.7177% | 886 |
| Core capital (leverage) ratio | 14.3607% | 796 |
| Tier 1 risk-based capital ratio | 18.9801% | 1,856 |
| Total risk-based capital ratio | 19.9288% | 1,905 |
| Memoranda: | ||
| Average total assets | $105,776,330 | 4,803 |
| Average earning assets | $97,619,670 | 4,769 |
| Average equity | $16,541,670 | 3,642 |
| Average total loans | $75,518,000 | 4,366 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 1,748 |
| Cost of funding earning assets | 1.0248% | 4,029 |
| Net interest margin | 4.3164% | 1,511 |
| Noninterest income to average assets | 0.6088% | 3,102 |
| Noninterest expense to average assets | 2.7112% | 4,791 |
| Loan and lease loss provision to assets | 0.1134% | 4,600 |
| Net operating income to assets | 1.2743% | 1,337 |
| Return on assets (ROA) | 1.2743% | 1,385 |
| Pretax return on assets | 1.7659% | 870 |
| Return on Equity (ROE) | 7.9157% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.9157% | 1,769 |
| Net charge-offs to loans | 0.0535% | 4,405 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 49.7000% | 582 |
| Efficiency ratio | 59.0610% | 6,124 |
| Assets per employee ($millions) | 3.3867% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,318 |
| Loan loss allowance to noncurrent loans | 190.0243% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6000% | 3,848 |
| Noncurrent loans to loans | 0.5359% | 5,955 |
| Net loans and leases to total assets | 70.0470% | 2,115 |
| Net loans and leases to deposits | 93.4118% | 880 |
| Net loans and leases to core deposits | 101.5722% | 1,227 |
| Total domestic deposits to total assets | 74.9873% | 6,796 |
| Equity capital to assets | 15.8693% | 598 |
| Core capital (leverage) ratio | 16.1597% | 473 |
| Tier 1 risk-based capital ratio | 20.7512% | 1,440 |
| Total risk-based capital ratio | 21.6936% | 1,470 |
| Memoranda: | ||
| Average total assets | $105,782,500 | 4,843 |
| Average earning assets | $97,581,000 | 4,800 |
| Average equity | $17,029,500 | 3,560 |
| Average total loans | $74,834,500 | 4,431 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8807% | 1,080 |
| Cost of funding earning assets | 1.0808% | 5,252 |
| Net interest margin | 4.7999% | 666 |
| Noninterest income to average assets | 0.7972% | 2,304 |
| Noninterest expense to average assets | 3.0916% | 3,491 |
| Loan and lease loss provision to assets | 0.1953% | 5,279 |
| Net operating income to assets | 1.3534% | 1,040 |
| Return on assets (ROA) | 1.3520% | 1,122 |
| Pretax return on assets | 1.8938% | 622 |
| Return on Equity (ROE) | 7.8086% | 2,774 |
| Retained earnings to average equity (ytd only) | -1.0932% | 5,817 |
| Net charge-offs to loans | -0.0255% | 7,389 |
| Credit loss provision to net charge-offs | -1,026.3158% | 7,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6522% | 6,098 |
| Assets per employee ($millions) | 3.2248% | 5,614 |
| Cash dividends to net income (ytd only)* | 114.0000% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,184 |
| Loan loss allowance to noncurrent loans | 174.1419% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 2.2444% | 3,036 |
| Noncurrent loans to loans | 0.5988% | 5,844 |
| Net loans and leases to total assets | 69.9812% | 2,537 |
| Net loans and leases to deposits | 94.5235% | 1,009 |
| Net loans and leases to core deposits | 101.6812% | 1,479 |
| Total domestic deposits to total assets | 74.0358% | 6,890 |
| Equity capital to assets | 16.3394% | 535 |
| Core capital (leverage) ratio | 16.3734% | 467 |
| Tier 1 risk-based capital ratio | 21.3037% | 1,277 |
| Total risk-based capital ratio | 22.2652% | 1,294 |
| Memoranda: | ||
| Average total assets | $99,851,400 | 4,987 |
| Average earning assets | $91,231,000 | 4,974 |
| Average equity | $17,288,600 | 3,540 |
| Average total loans | $74,505,800 | 4,506 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9673% | 994 |
| Cost of funding earning assets | 1.0846% | 5,524 |
| Net interest margin | 4.8827% | 570 |
| Noninterest income to average assets | 0.8106% | 2,184 |
| Noninterest expense to average assets | 3.1267% | 3,205 |
| Loan and lease loss provision to assets | 0.1818% | 5,226 |
| Net operating income to assets | 1.3946% | 1,114 |
| Return on assets (ROA) | 1.3937% | 1,195 |
| Pretax return on assets | 1.9565% | 686 |
| Return on Equity (ROE) | 7.9329% | 2,938 |
| Retained earnings to average equity (ytd only) | 6.1087% | 2,303 |
| Net charge-offs to loans | -0.0267% | 7,389 |
| Credit loss provision to net charge-offs | -900.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3710% | 6,050 |
| Assets per employee ($millions) | 3.1341% | 5,848 |
| Cash dividends to net income (ytd only)* | 22.9954% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 6,615 |
| Loan loss allowance to noncurrent loans | 76.5934% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 2.8657% | 2,530 |
| Noncurrent loans to loans | 1.2260% | 4,798 |
| Net loans and leases to total assets | 73.3147% | 1,946 |
| Net loans and leases to deposits | 101.0042% | 582 |
| Net loans and leases to core deposits | 106.2804% | 1,301 |
| Total domestic deposits to total assets | 72.5858% | 7,072 |
| Equity capital to assets | 17.7952% | 433 |
| Core capital (leverage) ratio | 17.7981% | 365 |
| Tier 1 risk-based capital ratio | 22.4734% | 1,134 |
| Total risk-based capital ratio | 23.3510% | 1,163 |
| Memoranda: | ||
| Average total assets | $99,016,250 | 5,077 |
| Average earning assets | $90,357,500 | 5,054 |
| Average equity | $17,395,500 | 3,577 |
| Average total loans | $74,888,250 | 4,570 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9730% | 1,012 |
| Cost of funding earning assets | 1.0957% | 5,695 |
| Net interest margin | 4.8773% | 564 |
| Noninterest income to average assets | 0.7445% | 2,434 |
| Noninterest expense to average assets | 2.9495% | 3,893 |
| Loan and lease loss provision to assets | 0.1826% | 5,042 |
| Net operating income to assets | 1.4594% | 979 |
| Return on assets (ROA) | 1.4565% | 1,048 |
| Pretax return on assets | 2.0509% | 550 |
| Return on Equity (ROE) | 8.3271% | 2,748 |
| Retained earnings to average equity (ytd only) | 5.5668% | 2,574 |
| Net charge-offs to loans | -0.0373% | 7,398 |
| Credit loss provision to net charge-offs | -642.8571% | 6,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8635% | 6,524 |
| Assets per employee ($millions) | 3.0844% | 5,962 |
| Cash dividends to net income (ytd only)* | 33.1476% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 6,866 |
| Loan loss allowance to noncurrent loans | 85.3211% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 3.0030% | 2,374 |
| Noncurrent loans to loans | 1.0145% | 5,280 |
| Net loans and leases to total assets | 75.5413% | 1,584 |
| Net loans and leases to deposits | 104.1195% | 476 |
| Net loans and leases to core deposits | 110.9705% | 1,103 |
| Total domestic deposits to total assets | 72.5525% | 7,134 |
| Equity capital to assets | 17.7617% | 442 |
| Core capital (leverage) ratio | 17.5958% | 391 |
| Tier 1 risk-based capital ratio | 22.0763% | 1,191 |
| Total risk-based capital ratio | 22.8961% | 1,227 |
| Memoranda: | ||
| Average total assets | $98,591,330 | 5,121 |
| Average earning assets | $89,803,670 | 5,102 |
| Average equity | $17,245,000 | 3,596 |
| Average total loans | $75,109,330 | 4,598 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9741% | 1,027 |
| Cost of funding earning assets | 1.0996% | 5,916 |
| Net interest margin | 4.8746% | 559 |
| Noninterest income to average assets | 0.6617% | 2,873 |
| Noninterest expense to average assets | 2.9796% | 3,750 |
| Loan and lease loss provision to assets | 0.1827% | 4,691 |
| Net operating income to assets | 1.3942% | 1,088 |
| Return on assets (ROA) | 1.3883% | 1,177 |
| Pretax return on assets | 1.9363% | 685 |
| Return on Equity (ROE) | 7.9991% | 2,883 |
| Retained earnings to average equity (ytd only) | 2.4325% | 4,679 |
| Net charge-offs to loans | -0.1865% | 7,658 |
| Credit loss provision to net charge-offs | -128.5714% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3466% | 6,431 |
| Assets per employee ($millions) | 3.1207% | 5,950 |
| Cash dividends to net income (ytd only)* | 69.5906% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 7,034 |
| Loan loss allowance to noncurrent loans | 70.6877% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 3.2685% | 2,193 |
| Noncurrent loans to loans | 1.1842% | 4,994 |
| Net loans and leases to total assets | 74.3749% | 1,894 |
| Net loans and leases to deposits | 103.6001% | 551 |
| Net loans and leases to core deposits | 109.8291% | 1,285 |
| Total domestic deposits to total assets | 71.7904% | 7,280 |
| Equity capital to assets | 17.1775% | 511 |
| Core capital (leverage) ratio | 17.2464% | 433 |
| Tier 1 risk-based capital ratio | 21.4353% | 1,279 |
| Total risk-based capital ratio | 22.2188% | 1,320 |
| Memoranda: | ||
| Average total assets | $98,536,500 | 5,190 |
| Average earning assets | $89,854,000 | 5,171 |
| Average equity | $17,102,000 | 3,633 |
| Average total loans | $75,058,500 | 4,676 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9726% | 1,974 |
| Cost of funding earning assets | 1.2557% | 6,455 |
| Net interest margin | 4.7169% | 809 |
| Noninterest income to average assets | 0.8548% | 2,161 |
| Noninterest expense to average assets | 3.0229% | 4,063 |
| Loan and lease loss provision to assets | 0.2808% | 5,177 |
| Net operating income to assets | 1.3554% | 930 |
| Return on assets (ROA) | 1.3583% | 975 |
| Pretax return on assets | 1.9016% | 510 |
| Return on Equity (ROE) | 8.0442% | 2,353 |
| Retained earnings to average equity (ytd only) | 6.8951% | 1,001 |
| Net charge-offs to loans | 0.5158% | 3,713 |
| Credit loss provision to net charge-offs | 71.2435% | 6,468 |
| Earnings coverage of net charge-offs (x) | 5.5259% | 2,567 |
| Efficiency ratio | 58.1190% | 6,744 |
| Assets per employee ($millions) | 3.0378% | 6,123 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 7,317 |
| Loan loss allowance to noncurrent loans | 59.3275% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 3.2147% | 2,136 |
| Noncurrent loans to loans | 1.2258% | 4,899 |
| Net loans and leases to total assets | 76.8131% | 1,623 |
| Net loans and leases to deposits | 108.5951% | 436 |
| Net loans and leases to core deposits | 130.4052% | 1,255 |
| Total domestic deposits to total assets | 70.7335% | 7,359 |
| Equity capital to assets | 17.5393% | 496 |
| Core capital (leverage) ratio | 17.2665% | 460 |
| Tier 1 risk-based capital ratio | 21.7505% | 1,179 |
| Total risk-based capital ratio | 22.4483% | 1,235 |
| Memoranda: | ||
| Average total assets | $97,919,800 | 5,141 |
| Average earning assets | $90,228,800 | 5,113 |
| Average equity | $16,533,600 | 3,772 |
| Average total loans | $74,831,600 | 4,692 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9360% | 2,290 |
| Cost of funding earning assets | 1.2725% | 6,649 |
| Net interest margin | 4.6635% | 888 |
| Noninterest income to average assets | 0.8753% | 2,082 |
| Noninterest expense to average assets | 2.9684% | 4,171 |
| Loan and lease loss provision to assets | 0.1699% | 5,662 |
| Net operating income to assets | 1.4497% | 916 |
| Return on assets (ROA) | 1.4516% | 975 |
| Pretax return on assets | 2.0483% | 495 |
| Return on Equity (ROE) | 8.6803% | 2,384 |
| Retained earnings to average equity (ytd only) | 7.1361% | 1,451 |
| Net charge-offs to loans | 0.0375% | 6,377 |
| Credit loss provision to net charge-offs | 595.2381% | 646 |
| Earnings coverage of net charge-offs (x) | 77.6171% | 436 |
| Efficiency ratio | 57.2627% | 6,832 |
| Assets per employee ($millions) | 3.0129% | 6,131 |
| Cash dividends to net income (ytd only)* | 17.7905% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 6,318 |
| Loan loss allowance to noncurrent loans | 32.8313% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 3.0493% | 2,266 |
| Noncurrent loans to loans | 3.0356% | 2,495 |
| Net loans and leases to total assets | 78.6141% | 1,461 |
| Net loans and leases to deposits | 112.0101% | 390 |
| Net loans and leases to core deposits | 137.6639% | 1,027 |
| Total domestic deposits to total assets | 70.1848% | 7,400 |
| Equity capital to assets | 17.4124% | 574 |
| Core capital (leverage) ratio | 17.1177% | 540 |
| Tier 1 risk-based capital ratio | 21.6137% | 1,271 |
| Total risk-based capital ratio | 22.5960% | 1,288 |
| Memoranda: | ||
| Average total assets | $98,097,250 | 5,173 |
| Average earning assets | $90,630,750 | 5,142 |
| Average equity | $16,404,500 | 3,834 |
| Average total loans | $74,735,250 | 4,745 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 2,564 |
| Cost of funding earning assets | 1.2706% | 6,897 |
| Net interest margin | 4.6331% | 903 |
| Noninterest income to average assets | 0.6811% | 3,107 |
| Noninterest expense to average assets | 2.9354% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4211% | 974 |
| Return on assets (ROA) | 1.4211% | 1,047 |
| Pretax return on assets | 2.0110% | 547 |
| Return on Equity (ROE) | 8.6136% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.6136% | 1,033 |
| Net charge-offs to loans | 0.0594% | 5,669 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 45.0909% | 746 |
| Efficiency ratio | 59.3443% | 6,642 |
| Assets per employee ($millions) | 3.0172% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 6,995 |
| Loan loss allowance to noncurrent loans | 28.9749% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 2.9699% | 2,141 |
| Noncurrent loans to loans | 2.9204% | 2,464 |
| Net loans and leases to total assets | 74.8491% | 2,481 |
| Net loans and leases to deposits | 107.0577% | 702 |
| Net loans and leases to core deposits | 129.5569% | 1,607 |
| Total domestic deposits to total assets | 69.9147% | 7,481 |
| Equity capital to assets | 16.6832% | 715 |
| Core capital (leverage) ratio | 16.8621% | 634 |
| Tier 1 risk-based capital ratio | 21.4743% | 1,327 |
| Total risk-based capital ratio | 22.2965% | 1,358 |
| Memoranda: | ||
| Average total assets | $98,658,330 | 5,196 |
| Average earning assets | $90,825,000 | 5,170 |
| Average equity | $16,276,670 | 3,862 |
| Average total loans | $74,127,670 | 4,810 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0314% | 2,228 |
| Cost of funding earning assets | 1.2763% | 7,095 |
| Net interest margin | 4.7551% | 672 |
| Noninterest income to average assets | 0.7861% | 2,398 |
| Noninterest expense to average assets | 2.8227% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6252% | 755 |
| Return on assets (ROA) | 1.6252% | 825 |
| Pretax return on assets | 2.3339% | 342 |
| Return on Equity (ROE) | 9.9072% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.9072% | 1,216 |
| Net charge-offs to loans | 0.1250% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 24.9130% | 1,224 |
| Efficiency ratio | 54.7393% | 7,143 |
| Assets per employee ($millions) | 2.9547% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 6,877 |
| Loan loss allowance to noncurrent loans | 31.6235% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 3.2039% | 1,730 |
| Noncurrent loans to loans | 2.7497% | 2,380 |
| Net loans and leases to total assets | 74.2426% | 2,696 |
| Net loans and leases to deposits | 105.2929% | 919 |
| Net loans and leases to core deposits | 121.7925% | 2,271 |
| Total domestic deposits to total assets | 70.5105% | 7,383 |
| Equity capital to assets | 16.7262% | 759 |
| Core capital (leverage) ratio | 16.6395% | 694 |
| Tier 1 risk-based capital ratio | 21.7421% | 1,330 |
| Total risk-based capital ratio | 22.5887% | 1,362 |
| Memoranda: | ||
| Average total assets | $98,204,000 | 5,228 |
| Average earning assets | $90,261,500 | 5,212 |
| Average equity | $16,109,500 | 3,924 |
| Average total loans | $73,611,000 | 4,851 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4735% | 3,098 |
| Cost of funding earning assets | 1.5712% | 7,496 |
| Net interest margin | 4.9023% | 629 |
| Noninterest income to average assets | 0.8500% | 2,229 |
| Noninterest expense to average assets | 2.8598% | 4,568 |
| Loan and lease loss provision to assets | 0.2012% | 4,879 |
| Net operating income to assets | 1.5963% | 842 |
| Return on assets (ROA) | 1.5984% | 805 |
| Pretax return on assets | 2.3146% | 304 |
| Return on Equity (ROE) | 10.2211% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.7605% | 1,237 |
| Net charge-offs to loans | 0.3964% | 2,832 |
| Credit loss provision to net charge-offs | 68.2594% | 6,099 |
| Earnings coverage of net charge-offs (x) | 8.5256% | 2,866 |
| Efficiency ratio | 53.2297% | 7,354 |
| Assets per employee ($millions) | 2.8258% | 6,500 |
| Cash dividends to net income (ytd only)* | 33.8578% | 3,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 6,745 |
| Loan loss allowance to noncurrent loans | 30.8486% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 3.1941% | 1,432 |
| Noncurrent loans to loans | 2.8748% | 1,876 |
| Net loans and leases to total assets | 74.3544% | 3,020 |
| Net loans and leases to deposits | 106.3210% | 1,095 |
| Net loans and leases to core deposits | 125.3909% | 2,219 |
| Total domestic deposits to total assets | 69.9339% | 7,284 |
| Equity capital to assets | 16.0866% | 915 |
| Core capital (leverage) ratio | 16.1192% | 807 |
| Tier 1 risk-based capital ratio | 20.7475% | 1,493 |
| Total risk-based capital ratio | 21.6056% | 1,529 |
| Memoranda: | ||
| Average total assets | $99,413,200 | 5,069 |
| Average earning assets | $91,712,200 | 5,040 |
| Average equity | $15,546,200 | 4,014 |
| Average total loans | $73,906,000 | 4,740 |