Home > Lincoln Community Bank > Performance and Condition Ratios
Lincoln Community Bank, Performance and Condition Ratios
| 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 | 4.1901% | 3,355 |
| Cost of funding earning assets | 0.1203% | 5,305 |
| Net interest margin | 4.0698% | 1,723 |
| Noninterest income to average assets | 0.6271% | 2,178 |
| Noninterest expense to average assets | 3.2378% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8361% | 3,794 |
| Return on assets (ROA) | 0.8361% | 3,802 |
| Pretax return on assets | 1.1411% | 3,235 |
| Return on Equity (ROE) | 7.6180% | 3,700 |
| Retained earnings to average equity (ytd only) | -4.1006% | 5,286 |
| Net charge-offs to loans | -0.0166% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9406% | 1,606 |
| Assets per employee ($millions) | 3.9905% | 3,906 |
| Cash dividends to net income (ytd only)* | 153.8276% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,039 |
| Loan loss allowance to noncurrent loans | 164.9518% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 1,897 |
| Noncurrent loans to loans | 0.7963% | 2,117 |
| Net loans and leases to total assets | 64.3891% | 3,375 |
| Net loans and leases to deposits | 72.4297% | 3,737 |
| Net loans and leases to core deposits | 74.8374% | 3,891 |
| Total domestic deposits to total assets | 88.8987% | 877 |
| Equity capital to assets | 11.0127% | 2,652 |
| Core capital (leverage) ratio | 11.0768% | 2,506 |
| Tier 1 risk-based capital ratio | 16.3807% | 2,308 |
| Total risk-based capital ratio | 17.6297% | 2,253 |
| Memoranda: | ||
| Average total assets | $62,510,500 | 4,760 |
| Average earning assets | $57,626,250 | 4,768 |
| Average equity | $6,860,750 | 4,816 |
| Average total loans | $40,119,500 | 4,595 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 3,233 |
| Cost of funding earning assets | 0.1235% | 5,333 |
| Net interest margin | 4.0385% | 1,734 |
| Noninterest income to average assets | 0.6026% | 2,312 |
| Noninterest expense to average assets | 2.8394% | 2,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0663% | 2,723 |
| Return on assets (ROA) | 1.0663% | 2,729 |
| Pretax return on assets | 1.4765% | 1,907 |
| Return on Equity (ROE) | 9.7262% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.8198% | 2,157 |
| Net charge-offs to loans | -0.0247% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7895% | 3,018 |
| Assets per employee ($millions) | 3.9936% | 3,910 |
| Cash dividends to net income (ytd only)* | 29.8817% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,253 |
| Loan loss allowance to noncurrent loans | 190.0000% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7145% | 2,093 |
| Noncurrent loans to loans | 0.6749% | 2,415 |
| Net loans and leases to total assets | 65.9221% | 3,165 |
| Net loans and leases to deposits | 74.9265% | 3,444 |
| Net loans and leases to core deposits | 77.3752% | 3,628 |
| Total domestic deposits to total assets | 87.9824% | 1,393 |
| Equity capital to assets | 11.8139% | 1,981 |
| Core capital (leverage) ratio | 11.1913% | 2,354 |
| Tier 1 risk-based capital ratio | 16.9491% | 2,120 |
| Total risk-based capital ratio | 18.1650% | 2,070 |
| Memoranda: | ||
| Average total assets | $63,394,670 | 4,796 |
| Average earning assets | $58,288,670 | 4,811 |
| Average equity | $6,950,330 | 4,850 |
| Average total loans | $40,474,330 | 4,626 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 3,524 |
| Cost of funding earning assets | 0.1135% | 5,416 |
| Net interest margin | 3.9122% | 1,993 |
| Noninterest income to average assets | 0.5158% | 2,717 |
| Noninterest expense to average assets | 2.8124% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0132% | 2,805 |
| Return on assets (ROA) | 1.0132% | 2,827 |
| Pretax return on assets | 1.3018% | 2,362 |
| Return on Equity (ROE) | 9.5833% | 2,647 |
| Retained earnings to average equity (ytd only) | 3.7171% | 3,708 |
| Net charge-offs to loans | -0.0491% | 4,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3582% | 2,773 |
| Assets per employee ($millions) | 4.3413% | 3,411 |
| Cash dividends to net income (ytd only)* | 61.2121% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,457 |
| Loan loss allowance to noncurrent loans | 175.0853% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 2,250 |
| Noncurrent loans to loans | 0.7198% | 2,410 |
| Net loans and leases to total assets | 61.7208% | 3,579 |
| Net loans and leases to deposits | 69.1570% | 3,859 |
| Net loans and leases to core deposits | 71.1955% | 4,018 |
| Total domestic deposits to total assets | 89.2474% | 985 |
| Equity capital to assets | 10.6037% | 2,967 |
| Core capital (leverage) ratio | 10.3770% | 3,088 |
| Tier 1 risk-based capital ratio | 15.9376% | 2,506 |
| Total risk-based capital ratio | 17.1094% | 2,473 |
| Memoranda: | ||
| Average total assets | $65,140,000 | 4,828 |
| Average earning assets | $59,915,500 | 4,829 |
| Average equity | $6,887,000 | 4,911 |
| Average total loans | $40,710,000 | 4,670 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,189 |
| Cost of funding earning assets | 0.1012% | 5,494 |
| Net interest margin | 3.9641% | 1,867 |
| Noninterest income to average assets | 0.7671% | 1,705 |
| Noninterest expense to average assets | 2.8828% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0234% | 2,143 |
| Return on assets (ROA) | 1.0234% | 2,175 |
| Pretax return on assets | 1.5247% | 1,546 |
| Return on Equity (ROE) | 9.4832% | 2,102 |
| Retained earnings to average equity (ytd only) | 3.4431% | 3,223 |
| Net charge-offs to loans | -0.0384% | 5,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4070% | 3,360 |
| Assets per employee ($millions) | 4.3441% | 3,427 |
| Cash dividends to net income (ytd only)* | 63.6933% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,488 |
| Loan loss allowance to noncurrent loans | 161.2698% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 2,153 |
| Noncurrent loans to loans | 0.7737% | 2,278 |
| Net loans and leases to total assets | 61.7041% | 3,657 |
| Net loans and leases to deposits | 69.1079% | 3,943 |
| Net loans and leases to core deposits | 70.7770% | 4,125 |
| Total domestic deposits to total assets | 89.2865% | 874 |
| Equity capital to assets | 10.5416% | 3,120 |
| Core capital (leverage) ratio | 11.1599% | 2,187 |
| Tier 1 risk-based capital ratio | 15.6212% | 2,575 |
| Total risk-based capital ratio | 16.7691% | 2,557 |
| Memoranda: | ||
| Average total assets | $62,440,000 | 4,916 |
| Average earning assets | $57,339,800 | 4,925 |
| Average equity | $6,738,200 | 4,987 |
| Average total loans | $41,637,000 | 4,677 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,285 |
| Cost of funding earning assets | 0.0984% | 5,561 |
| Net interest margin | 3.9202% | 1,966 |
| Noninterest income to average assets | 0.7103% | 1,957 |
| Noninterest expense to average assets | 2.9555% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9262% | 2,896 |
| Return on assets (ROA) | 0.9262% | 2,958 |
| Pretax return on assets | 1.3666% | 2,231 |
| Return on Equity (ROE) | 8.5302% | 2,855 |
| Retained earnings to average equity (ytd only) | 3.3604% | 3,929 |
| Net charge-offs to loans | -0.0096% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3816% | 2,804 |
| Assets per employee ($millions) | 3.8351% | 4,253 |
| Cash dividends to net income (ytd only)* | 60.6060% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,993 |
| Loan loss allowance to noncurrent loans | 150.4559% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 2,032 |
| Noncurrent loans to loans | 0.7907% | 2,381 |
| Net loans and leases to total assets | 71.4725% | 2,334 |
| Net loans and leases to deposits | 81.1911% | 2,855 |
| Net loans and leases to core deposits | 82.9135% | 3,221 |
| Total domestic deposits to total assets | 88.0300% | 1,348 |
| Equity capital to assets | 11.7736% | 2,130 |
| Core capital (leverage) ratio | 11.4346% | 2,067 |
| Tier 1 risk-based capital ratio | 16.0128% | 2,497 |
| Total risk-based capital ratio | 17.1820% | 2,470 |
| Memoranda: | ||
| Average total assets | $61,759,750 | 4,982 |
| Average earning assets | $56,900,500 | 4,987 |
| Average equity | $6,705,500 | 5,049 |
| Average total loans | $41,867,500 | 4,720 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 3,548 |
| Cost of funding earning assets | 0.0995% | 5,599 |
| Net interest margin | 3.8000% | 2,285 |
| Noninterest income to average assets | 0.6902% | 2,034 |
| Noninterest expense to average assets | 2.9191% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8675% | 3,086 |
| Return on assets (ROA) | 0.8675% | 3,140 |
| Pretax return on assets | 1.2759% | 2,479 |
| Return on Equity (ROE) | 8.1999% | 2,917 |
| Retained earnings to average equity (ytd only) | 4.3394% | 3,121 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5849% | 2,753 |
| Assets per employee ($millions) | 3.9798% | 3,985 |
| Cash dividends to net income (ytd only)* | 47.0803% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 3,272 |
| Loan loss allowance to noncurrent loans | 140.1709% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 2,076 |
| Noncurrent loans to loans | 0.8253% | 2,336 |
| Net loans and leases to total assets | 70.4189% | 2,461 |
| Net loans and leases to deposits | 79.5662% | 2,957 |
| Net loans and leases to core deposits | 81.1795% | 3,328 |
| Total domestic deposits to total assets | 88.5036% | 1,203 |
| Equity capital to assets | 11.3071% | 2,491 |
| Core capital (leverage) ratio | 11.0703% | 2,339 |
| Tier 1 risk-based capital ratio | 15.7188% | 2,613 |
| Total risk-based capital ratio | 16.8637% | 2,591 |
| Memoranda: | ||
| Average total assets | $63,170,670 | 4,991 |
| Average earning assets | $58,263,330 | 4,991 |
| Average equity | $6,683,000 | 5,080 |
| Average total loans | $41,953,000 | 4,745 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 3,955 |
| Cost of funding earning assets | 0.0936% | 5,678 |
| Net interest margin | 3.6506% | 2,691 |
| Noninterest income to average assets | 0.7149% | 1,898 |
| Noninterest expense to average assets | 2.8533% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8381% | 3,048 |
| Return on assets (ROA) | 0.8381% | 3,095 |
| Pretax return on assets | 1.2264% | 2,486 |
| Return on Equity (ROE) | 8.1811% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.1811% | 1,387 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9396% | 2,905 |
| Assets per employee ($millions) | 4.1101% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 3,253 |
| Loan loss allowance to noncurrent loans | 130.8511% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 2,143 |
| Noncurrent loans to loans | 0.9024% | 2,230 |
| Net loans and leases to total assets | 66.7878% | 2,850 |
| Net loans and leases to deposits | 75.1593% | 3,284 |
| Net loans and leases to core deposits | 76.6236% | 3,597 |
| Total domestic deposits to total assets | 88.8617% | 1,222 |
| Equity capital to assets | 10.9112% | 2,731 |
| Core capital (leverage) ratio | 10.6063% | 2,782 |
| Tier 1 risk-based capital ratio | 15.9446% | 2,574 |
| Total risk-based capital ratio | 17.1075% | 2,552 |
| Memoranda: | ||
| Average total assets | $64,907,500 | 5,007 |
| Average earning assets | $59,826,000 | 5,006 |
| Average equity | $6,649,500 | 5,131 |
| Average total loans | $41,664,500 | 4,797 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,517 |
| Cost of funding earning assets | 0.1036% | 5,687 |
| Net interest margin | 4.0876% | 1,409 |
| Noninterest income to average assets | 0.9288% | 1,326 |
| Noninterest expense to average assets | 3.0319% | 2,249 |
| Loan and lease loss provision to assets | 0.0501% | 3,392 |
| Net operating income to assets | 1.0791% | 1,991 |
| Return on assets (ROA) | 1.0791% | 2,091 |
| Pretax return on assets | 1.6053% | 1,261 |
| Return on Equity (ROE) | 9.0891% | 2,375 |
| Retained earnings to average equity (ytd only) | 2.8421% | 3,871 |
| Net charge-offs to loans | 0.0982% | 2,311 |
| Credit loss provision to net charge-offs | 71.4286% | 3,113 |
| Earnings coverage of net charge-offs (x) | 23.5952% | 1,669 |
| Efficiency ratio | 64.6828% | 3,823 |
| Assets per employee ($millions) | 4.2602% | 3,513 |
| Cash dividends to net income (ytd only)* | 68.7307% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 3,233 |
| Loan loss allowance to noncurrent loans | 118.8406% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 2,247 |
| Noncurrent loans to loans | 0.9937% | 2,105 |
| Net loans and leases to total assets | 60.3979% | 3,805 |
| Net loans and leases to deposits | 67.3863% | 4,137 |
| Net loans and leases to core deposits | 69.1440% | 4,313 |
| Total domestic deposits to total assets | 89.6293% | 808 |
| Equity capital to assets | 9.6416% | 4,126 |
| Core capital (leverage) ratio | 10.3487% | 3,052 |
| Tier 1 risk-based capital ratio | 15.4335% | 2,771 |
| Total risk-based capital ratio | 16.5822% | 2,758 |
| Memoranda: | ||
| Average total assets | $59,863,800 | 5,148 |
| Average earning assets | $55,045,000 | 5,147 |
| Average equity | $7,107,400 | 5,073 |
| Average total loans | $42,777,600 | 4,791 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,045 |
| Cost of funding earning assets | 0.1053% | 5,747 |
| Net interest margin | 4.2330% | 1,055 |
| Noninterest income to average assets | 0.9506% | 1,254 |
| Noninterest expense to average assets | 3.0547% | 2,145 |
| Loan and lease loss provision to assets | 0.0692% | 2,835 |
| Net operating income to assets | 1.1536% | 1,791 |
| Return on assets (ROA) | 1.1536% | 1,891 |
| Pretax return on assets | 1.7235% | 1,052 |
| Return on Equity (ROE) | 9.2063% | 2,396 |
| Retained earnings to average equity (ytd only) | 1.0310% | 5,080 |
| Net charge-offs to loans | 0.1517% | 1,479 |
| Credit loss provision to net charge-offs | 61.2245% | 2,894 |
| Earnings coverage of net charge-offs (x) | 15.8575% | 2,154 |
| Efficiency ratio | 63.0176% | 4,071 |
| Assets per employee ($millions) | 4.1175% | 3,756 |
| Cash dividends to net income (ytd only)* | 88.8007% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,478 |
| Loan loss allowance to noncurrent loans | 113.8498% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 2,038 |
| Noncurrent loans to loans | 1.0200% | 2,204 |
| Net loans and leases to total assets | 71.6073% | 2,243 |
| Net loans and leases to deposits | 82.1175% | 2,719 |
| Net loans and leases to core deposits | 84.7302% | 3,062 |
| Total domestic deposits to total assets | 87.2010% | 1,803 |
| Equity capital to assets | 12.6030% | 1,702 |
| Core capital (leverage) ratio | 12.4477% | 1,418 |
| Tier 1 risk-based capital ratio | 17.5388% | 2,062 |
| Total risk-based capital ratio | 18.7144% | 2,051 |
| Memoranda: | ||
| Average total assets | $57,789,000 | 5,241 |
| Average earning assets | $53,200,000 | 5,230 |
| Average equity | $7,241,250 | 5,102 |
| Average total loans | $43,056,750 | 4,824 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 1,770 |
| Cost of funding earning assets | 0.1091% | 5,816 |
| Net interest margin | 4.3104% | 903 |
| Noninterest income to average assets | 0.8922% | 1,397 |
| Noninterest expense to average assets | 3.0845% | 2,102 |
| Loan and lease loss provision to assets | 0.1037% | 2,117 |
| Net operating income to assets | 1.1169% | 1,901 |
| Return on assets (ROA) | 1.1169% | 2,014 |
| Pretax return on assets | 1.6668% | 1,178 |
| Return on Equity (ROE) | 8.9309% | 2,526 |
| Retained earnings to average equity (ytd only) | 1.6313% | 4,731 |
| Net charge-offs to loans | 0.2253% | 1,037 |
| Credit loss provision to net charge-offs | 61.2245% | 2,565 |
| Earnings coverage of net charge-offs (x) | 10.4490% | 2,335 |
| Efficiency ratio | 63.5328% | 4,095 |
| Assets per employee ($millions) | 3.8243% | 4,225 |
| Cash dividends to net income (ytd only)* | 81.7337% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,816 |
| Loan loss allowance to noncurrent loans | 199.5885% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 2,884 |
| Noncurrent loans to loans | 0.5631% | 3,376 |
| Net loans and leases to total assets | 74.3777% | 1,760 |
| Net loans and leases to deposits | 85.4431% | 2,310 |
| Net loans and leases to core deposits | 88.2003% | 2,709 |
| Total domestic deposits to total assets | 87.0494% | 1,895 |
| Equity capital to assets | 12.6926% | 1,664 |
| Core capital (leverage) ratio | 12.4557% | 1,378 |
| Tier 1 risk-based capital ratio | 16.7798% | 2,321 |
| Total risk-based capital ratio | 17.9039% | 2,321 |
| Memoranda: | ||
| Average total assets | $57,837,000 | 5,293 |
| Average earning assets | $53,174,330 | 5,287 |
| Average equity | $7,233,330 | 5,151 |
| Average total loans | $43,488,000 | 4,846 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 2,039 |
| Cost of funding earning assets | 0.1048% | 5,894 |
| Net interest margin | 4.2229% | 1,058 |
| Noninterest income to average assets | 0.6681% | 2,177 |
| Noninterest expense to average assets | 3.1064% | 2,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9781% | 2,378 |
| Return on assets (ROA) | 0.9781% | 2,491 |
| Pretax return on assets | 1.4464% | 1,759 |
| Return on Equity (ROE) | 7.8785% | 2,988 |
| Retained earnings to average equity (ytd only) | 0.9987% | 4,840 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2300% | 3,425 |
| Assets per employee ($millions) | 3.7999% | 4,301 |
| Cash dividends to net income (ytd only)* | 87.3239% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 3,822 |
| Loan loss allowance to noncurrent loans | 75.1118% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4544% | 1,419 |
| Noncurrent loans to loans | 1.5206% | 1,539 |
| Net loans and leases to total assets | 76.5347% | 1,317 |
| Net loans and leases to deposits | 88.1524% | 1,808 |
| Net loans and leases to core deposits | 91.0180% | 2,280 |
| Total domestic deposits to total assets | 86.8208% | 2,287 |
| Equity capital to assets | 12.6722% | 1,574 |
| Core capital (leverage) ratio | 12.3095% | 1,428 |
| Tier 1 risk-based capital ratio | 16.2399% | 2,574 |
| Total risk-based capital ratio | 17.3770% | 2,573 |
| Memoranda: | ||
| Average total assets | $58,073,500 | 5,338 |
| Average earning assets | $53,423,000 | 5,332 |
| Average equity | $7,209,500 | 5,187 |
| Average total loans | $43,656,500 | 4,877 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,344 |
| Cost of funding earning assets | 0.2053% | 5,238 |
| Net interest margin | 4.0567% | 1,547 |
| Noninterest income to average assets | 0.8333% | 1,665 |
| Noninterest expense to average assets | 3.0940% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9801% | 2,467 |
| Return on assets (ROA) | 0.9801% | 2,544 |
| Pretax return on assets | 1.4514% | 1,716 |
| Return on Equity (ROE) | 7.9778% | 2,970 |
| Retained earnings to average equity (ytd only) | 1.7234% | 4,742 |
| Net charge-offs to loans | 0.2499% | 1,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.4158% | 2,954 |
| Efficiency ratio | 68.0691% | 3,562 |
| Assets per employee ($millions) | 3.9432% | 4,039 |
| Cash dividends to net income (ytd only)* | 78.3972% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,670 |
| Loan loss allowance to noncurrent loans | 72.3099% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 1,429 |
| Noncurrent loans to loans | 1.6140% | 1,422 |
| Net loans and leases to total assets | 72.1597% | 2,024 |
| Net loans and leases to deposits | 82.3465% | 2,542 |
| Net loans and leases to core deposits | 84.8917% | 2,895 |
| Total domestic deposits to total assets | 87.6293% | 1,831 |
| Equity capital to assets | 12.1661% | 1,835 |
| Core capital (leverage) ratio | 12.2534% | 1,479 |
| Tier 1 risk-based capital ratio | 16.4660% | 2,500 |
| Total risk-based capital ratio | 17.6218% | 2,498 |
| Memoranda: | ||
| Average total assets | $58,564,600 | 5,352 |
| Average earning assets | $53,590,000 | 5,350 |
| Average equity | $7,195,000 | 5,212 |
| Average total loans | $40,419,000 | 4,994 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,524 |
| Cost of funding earning assets | 0.2096% | 5,296 |
| Net interest margin | 4.0057% | 1,681 |
| Noninterest income to average assets | 0.8422% | 1,644 |
| Noninterest expense to average assets | 2.9647% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0339% | 2,308 |
| Return on assets (ROA) | 1.0339% | 2,398 |
| Pretax return on assets | 1.5405% | 1,569 |
| Return on Equity (ROE) | 8.3947% | 2,876 |
| Retained earnings to average equity (ytd only) | 2.8353% | 4,418 |
| Net charge-offs to loans | -0.0168% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8055% | 3,925 |
| Assets per employee ($millions) | 3.8361% | 4,196 |
| Cash dividends to net income (ytd only)* | 66.2257% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 2,274 |
| Loan loss allowance to noncurrent loans | 71.7647% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 1,236 |
| Noncurrent loans to loans | 2.0504% | 1,118 |
| Net loans and leases to total assets | 70.9829% | 2,235 |
| Net loans and leases to deposits | 83.0419% | 2,524 |
| Net loans and leases to core deposits | 87.5037% | 2,705 |
| Total domestic deposits to total assets | 85.4784% | 2,791 |
| Equity capital to assets | 12.5665% | 1,706 |
| Core capital (leverage) ratio | 12.2595% | 1,535 |
| Tier 1 risk-based capital ratio | 17.1037% | 2,335 |
| Total risk-based capital ratio | 18.3568% | 2,285 |
| Memoranda: | ||
| Average total assets | $58,418,750 | 5,424 |
| Average earning assets | $53,423,000 | 5,421 |
| Average equity | $7,194,750 | 5,281 |
| Average total loans | $39,727,500 | 5,074 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,754 |
| Cost of funding earning assets | 0.2091% | 5,365 |
| Net interest margin | 3.9309% | 1,884 |
| Noninterest income to average assets | 0.7971% | 1,790 |
| Noninterest expense to average assets | 2.8717% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0288% | 2,238 |
| Return on assets (ROA) | 1.0288% | 2,354 |
| Pretax return on assets | 1.5125% | 1,612 |
| Return on Equity (ROE) | 8.4091% | 2,845 |
| Retained earnings to average equity (ytd only) | 4.9285% | 2,898 |
| Net charge-offs to loans | -0.0255% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5012% | 4,100 |
| Assets per employee ($millions) | 3.9041% | 4,065 |
| Cash dividends to net income (ytd only)* | 41.3907% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 2,273 |
| Loan loss allowance to noncurrent loans | 71.6804% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.7230% | 1,376 |
| Noncurrent loans to loans | 2.1016% | 1,149 |
| Net loans and leases to total assets | 68.1051% | 2,626 |
| Net loans and leases to deposits | 80.6173% | 2,707 |
| Net loans and leases to core deposits | 84.9116% | 2,891 |
| Total domestic deposits to total assets | 84.4794% | 3,356 |
| Equity capital to assets | 12.3751% | 1,751 |
| Core capital (leverage) ratio | 12.4018% | 1,433 |
| Tier 1 risk-based capital ratio | 17.3308% | 2,274 |
| Total risk-based capital ratio | 18.5839% | 2,235 |
| Memoranda: | ||
| Average total assets | $58,711,000 | 5,471 |
| Average earning assets | $53,575,000 | 5,475 |
| Average equity | $7,182,670 | 5,322 |
| Average total loans | $39,151,670 | 5,140 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 2,632 |
| Cost of funding earning assets | 0.2169% | 5,346 |
| Net interest margin | 3.9337% | 1,775 |
| Noninterest income to average assets | 0.5715% | 2,823 |
| Noninterest expense to average assets | 2.8915% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8708% | 2,894 |
| Return on assets (ROA) | 0.8708% | 3,016 |
| Pretax return on assets | 1.2586% | 2,432 |
| Return on Equity (ROE) | 7.1593% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.1593% | 1,942 |
| Net charge-offs to loans | -0.0312% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6721% | 3,546 |
| Assets per employee ($millions) | 3.8321% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 3,714 |
| Loan loss allowance to noncurrent loans | 107.3171% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.0595% | 2,495 |
| Noncurrent loans to loans | 1.1605% | 2,445 |
| Net loans and leases to total assets | 66.7647% | 2,638 |
| Net loans and leases to deposits | 78.0464% | 2,795 |
| Net loans and leases to core deposits | 82.2235% | 2,940 |
| Total domestic deposits to total assets | 85.5448% | 3,154 |
| Equity capital to assets | 12.5502% | 1,663 |
| Core capital (leverage) ratio | 12.2354% | 1,487 |
| Tier 1 risk-based capital ratio | 17.9173% | 2,164 |
| Total risk-based capital ratio | 19.1242% | 2,133 |
| Memoranda: | ||
| Average total assets | $58,794,000 | 5,524 |
| Average earning assets | $53,486,500 | 5,524 |
| Average equity | $7,151,500 | 5,373 |
| Average total loans | $38,481,000 | 5,197 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 3,175 |
| Cost of funding earning assets | 0.2663% | 5,145 |
| Net interest margin | 3.8711% | 2,357 |
| Noninterest income to average assets | 1.2373% | 792 |
| Noninterest expense to average assets | 3.3033% | 1,923 |
| Loan and lease loss provision to assets | 0.4853% | 321 |
| Net operating income to assets | 0.7062% | 3,858 |
| Return on assets (ROA) | 0.7024% | 3,996 |
| Pretax return on assets | 0.9467% | 3,708 |
| Return on Equity (ROE) | 5.7793% | 4,270 |
| Retained earnings to average equity (ytd only) | 1.7296% | 4,953 |
| Net charge-offs to loans | 1.0102% | 297 |
| Credit loss provision to net charge-offs | 74.7368% | 2,973 |
| Earnings coverage of net charge-offs (x) | 2.2132% | 4,221 |
| Efficiency ratio | 69.6828% | 3,587 |
| Assets per employee ($millions) | 4.0071% | 3,941 |
| Cash dividends to net income (ytd only)* | 70.0730% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 3,647 |
| Loan loss allowance to noncurrent loans | 106.4159% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0149% | 2,720 |
| Noncurrent loans to loans | 1.1863% | 2,465 |
| Net loans and leases to total assets | 62.5884% | 3,428 |
| Net loans and leases to deposits | 72.4046% | 3,629 |
| Net loans and leases to core deposits | 75.6698% | 3,747 |
| Total domestic deposits to total assets | 86.4425% | 2,602 |
| Equity capital to assets | 11.7940% | 2,175 |
| Core capital (leverage) ratio | 12.2369% | 1,484 |
| Tier 1 risk-based capital ratio | 18.1605% | 2,090 |
| Total risk-based capital ratio | 19.3983% | 2,052 |
| Memoranda: | ||
| Average total assets | $58,516,800 | 5,582 |
| Average earning assets | $52,956,200 | 5,593 |
| Average equity | $7,111,600 | 5,389 |
| Average total loans | $37,615,400 | 5,275 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 3,213 |
| Cost of funding earning assets | 0.2760% | 5,142 |
| Net interest margin | 3.8634% | 2,377 |
| Noninterest income to average assets | 1.4430% | 606 |
| Noninterest expense to average assets | 3.4021% | 1,658 |
| Loan and lease loss provision to assets | 0.6515% | 198 |
| Net operating income to assets | 0.6797% | 4,048 |
| Return on assets (ROA) | 0.6745% | 4,169 |
| Pretax return on assets | 0.8832% | 4,065 |
| Return on Equity (ROE) | 5.5076% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.5076% | 2,741 |
| Net charge-offs to loans | 1.3940% | 182 |
| Credit loss provision to net charge-offs | 72.4490% | 2,724 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 4,091 |
| Efficiency ratio | 68.8167% | 3,707 |
| Assets per employee ($millions) | 4.0336% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 3,959 |
| Loan loss allowance to noncurrent loans | 54.6620% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.0949% | 1,337 |
| Noncurrent loans to loans | 2.2853% | 1,309 |
| Net loans and leases to total assets | 65.6532% | 2,925 |
| Net loans and leases to deposits | 77.0870% | 3,061 |
| Net loans and leases to core deposits | 80.4719% | 3,260 |
| Total domestic deposits to total assets | 85.1676% | 3,271 |
| Equity capital to assets | 12.8809% | 1,486 |
| Core capital (leverage) ratio | 12.4702% | 1,417 |
| Tier 1 risk-based capital ratio | 18.6439% | 2,005 |
| Total risk-based capital ratio | 19.8535% | 1,983 |
| Memoranda: | ||
| Average total assets | $58,119,250 | 5,660 |
| Average earning assets | $52,664,250 | 5,666 |
| Average equity | $7,117,250 | 5,437 |
| Average total loans | $37,494,000 | 5,321 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,481 |
| Cost of funding earning assets | 0.2759% | 5,229 |
| Net interest margin | 3.7907% | 2,598 |
| Noninterest income to average assets | 1.6363% | 477 |
| Noninterest expense to average assets | 3.4056% | 1,667 |
| Loan and lease loss provision to assets | 0.8182% | 147 |
| Net operating income to assets | 0.6144% | 4,283 |
| Return on assets (ROA) | 0.6068% | 4,421 |
| Pretax return on assets | 0.8216% | 4,192 |
| Return on Equity (ROE) | 5.0389% | 4,656 |
| Retained earnings to average equity (ytd only) | 5.0389% | 2,938 |
| Net charge-offs to loans | 0.1227% | 2,445 |
| Credit loss provision to net charge-offs | 1,043.4783% | 316 |
| Earnings coverage of net charge-offs (x) | 21.0435% | 1,562 |
| Efficiency ratio | 67.3635% | 4,140 |
| Assets per employee ($millions) | 3.8073% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 1,146 |
| Loan loss allowance to noncurrent loans | 48.4737% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 3.3935% | 699 |
| Noncurrent loans to loans | 4.3699% | 507 |
| Net loans and leases to total assets | 64.2444% | 3,037 |
| Net loans and leases to deposits | 75.1521% | 3,168 |
| Net loans and leases to core deposits | 79.4534% | 3,267 |
| Total domestic deposits to total assets | 85.4859% | 3,291 |
| Equity capital to assets | 12.5460% | 1,614 |
| Core capital (leverage) ratio | 12.3967% | 1,446 |
| Tier 1 risk-based capital ratio | 18.5003% | 2,065 |
| Total risk-based capital ratio | 19.7592% | 2,016 |
| Memoranda: | ||
| Average total assets | $58,668,670 | 5,697 |
| Average earning assets | $52,918,330 | 5,710 |
| Average equity | $7,065,000 | 5,474 |
| Average total loans | $37,477,330 | 5,355 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 3,465 |
| Cost of funding earning assets | 0.2910% | 5,162 |
| Net interest margin | 3.7611% | 2,634 |
| Noninterest income to average assets | 2.5838% | 227 |
| Noninterest expense to average assets | 3.7478% | 1,059 |
| Loan and lease loss provision to assets | 1.6149% | 51 |
| Net operating income to assets | 0.4777% | 4,796 |
| Return on assets (ROA) | 0.4777% | 4,873 |
| Pretax return on assets | 0.6123% | 4,790 |
| Return on Equity (ROE) | 4.0485% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.0485% | 3,683 |
| Net charge-offs to loans | 0.2562% | 1,304 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 13.7917% | 1,649 |
| Efficiency ratio | 62.7252% | 5,032 |
| Assets per employee ($millions) | 3.3775% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 1,295 |
| Loan loss allowance to noncurrent loans | 65.0533% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.7413% | 1,104 |
| Noncurrent loans to loans | 3.2529% | 944 |
| Net loans and leases to total assets | 63.8841% | 2,912 |
| Net loans and leases to deposits | 75.5655% | 2,863 |
| Net loans and leases to core deposits | 80.5220% | 2,904 |
| Total domestic deposits to total assets | 84.5414% | 4,069 |
| Equity capital to assets | 12.2819% | 1,698 |
| Core capital (leverage) ratio | 11.8695% | 1,723 |
| Tier 1 risk-based capital ratio | 18.2135% | 2,199 |
| Total risk-based capital ratio | 19.4743% | 2,163 |
| Memoranda: | ||
| Average total assets | $59,448,000 | 5,728 |
| Average earning assets | $53,602,000 | 5,744 |
| Average equity | $7,015,000 | 5,512 |
| Average total loans | $37,474,000 | 5,407 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 4,107 |
| Cost of funding earning assets | 0.3268% | 5,357 |
| Net interest margin | 3.6661% | 3,197 |
| Noninterest income to average assets | 0.8776% | 1,763 |
| Noninterest expense to average assets | 3.1684% | 2,524 |
| Loan and lease loss provision to assets | 0.4830% | 579 |
| Net operating income to assets | 0.4898% | 4,775 |
| Return on assets (ROA) | 0.4898% | 4,918 |
| Pretax return on assets | 0.5646% | 4,994 |
| Return on Equity (ROE) | 4.0885% | 5,068 |
| Retained earnings to average equity (ytd only) | 0.8944% | 5,434 |
| Net charge-offs to loans | 0.9804% | 605 |
| Credit loss provision to net charge-offs | 80.0000% | 3,044 |
| Earnings coverage of net charge-offs (x) | 1.7352% | 4,468 |
| Efficiency ratio | 75.1513% | 2,925 |
| Assets per employee ($millions) | 3.4154% | 5,051 |
| Cash dividends to net income (ytd only)* | 78.1250% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,008 |
| Loan loss allowance to noncurrent loans | 45.1840% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.8547% | 1,132 |
| Noncurrent loans to loans | 3.4077% | 940 |
| Net loans and leases to total assets | 60.0166% | 3,719 |
| Net loans and leases to deposits | 69.0412% | 3,902 |
| Net loans and leases to core deposits | 73.4634% | 3,897 |
| Total domestic deposits to total assets | 86.9287% | 2,760 |
| Equity capital to assets | 11.3504% | 2,292 |
| Core capital (leverage) ratio | 11.8260% | 1,738 |
| Tier 1 risk-based capital ratio | 17.6855% | 2,345 |
| Total risk-based capital ratio | 18.9376% | 2,321 |
| Memoranda: | ||
| Average total assets | $58,799,800 | 5,787 |
| Average earning assets | $53,545,000 | 5,785 |
| Average equity | $7,044,200 | 5,554 |
| Average total loans | $36,211,400 | 5,491 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 4,174 |
| Cost of funding earning assets | 0.3360% | 5,425 |
| Net interest margin | 3.6529% | 3,218 |
| Noninterest income to average assets | 0.9106% | 1,716 |
| Noninterest expense to average assets | 3.1492% | 2,507 |
| Loan and lease loss provision to assets | 0.2569% | 1,384 |
| Net operating income to assets | 0.6835% | 3,935 |
| Return on assets (ROA) | 0.6835% | 4,076 |
| Pretax return on assets | 0.8463% | 4,111 |
| Return on Equity (ROE) | 5.6272% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.6272% | 2,646 |
| Net charge-offs to loans | 0.7392% | 809 |
| Credit loss provision to net charge-offs | 56.2814% | 3,372 |
| Earnings coverage of net charge-offs (x) | 2.4171% | 4,026 |
| Efficiency ratio | 74.0561% | 3,061 |
| Assets per employee ($millions) | 3.1528% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 3,173 |
| Loan loss allowance to noncurrent loans | 29.8087% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 3.5982% | 924 |
| Noncurrent loans to loans | 5.2435% | 547 |
| Net loans and leases to total assets | 62.2573% | 3,317 |
| Net loans and leases to deposits | 72.9648% | 3,411 |
| Net loans and leases to core deposits | 77.5653% | 3,413 |
| Total domestic deposits to total assets | 85.3251% | 3,574 |
| Equity capital to assets | 12.7084% | 1,472 |
| Core capital (leverage) ratio | 12.2705% | 1,536 |
| Tier 1 risk-based capital ratio | 19.1634% | 1,933 |
| Total risk-based capital ratio | 20.4169% | 1,905 |
| Memoranda: | ||
| Average total assets | $58,130,250 | 5,868 |
| Average earning assets | $53,179,750 | 5,858 |
| Average equity | $7,060,750 | 5,617 |
| Average total loans | $35,895,750 | 5,553 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9141% | 4,425 |
| Cost of funding earning assets | 0.3405% | 5,487 |
| Net interest margin | 3.5736% | 3,475 |
| Noninterest income to average assets | 0.8739% | 1,913 |
| Noninterest expense to average assets | 3.1234% | 2,596 |
| Loan and lease loss provision to assets | 0.2799% | 1,309 |
| Net operating income to assets | 0.6383% | 4,118 |
| Return on assets (ROA) | 0.6383% | 4,262 |
| Pretax return on assets | 0.7305% | 4,576 |
| Return on Equity (ROE) | 5.3350% | 4,549 |
| Retained earnings to average equity (ytd only) | 5.3350% | 2,849 |
| Net charge-offs to loans | 0.0836% | 3,532 |
| Credit loss provision to net charge-offs | 546.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 19.7333% | 1,494 |
| Efficiency ratio | 75.5574% | 2,849 |
| Assets per employee ($millions) | 3.2008% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 1,920 |
| Loan loss allowance to noncurrent loans | 39.4592% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 3.1711% | 1,255 |
| Noncurrent loans to loans | 4.9858% | 650 |
| Net loans and leases to total assets | 61.8391% | 3,321 |
| Net loans and leases to deposits | 72.1112% | 3,435 |
| Net loans and leases to core deposits | 75.7124% | 3,577 |
| Total domestic deposits to total assets | 85.7552% | 3,500 |
| Equity capital to assets | 12.3043% | 1,705 |
| Core capital (leverage) ratio | 12.0924% | 1,569 |
| Tier 1 risk-based capital ratio | 18.3153% | 2,205 |
| Total risk-based capital ratio | 19.5739% | 2,167 |
| Memoranda: | ||
| Average total assets | $58,590,330 | 5,892 |
| Average earning assets | $53,448,000 | 5,880 |
| Average equity | $7,010,330 | 5,679 |
| Average total loans | $35,897,000 | 5,580 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 4,664 |
| Cost of funding earning assets | 0.3563% | 5,474 |
| Net interest margin | 3.4891% | 3,749 |
| Noninterest income to average assets | 0.8531% | 1,922 |
| Noninterest expense to average assets | 3.1957% | 2,366 |
| Loan and lease loss provision to assets | 0.4198% | 723 |
| Net operating income to assets | 0.3588% | 5,312 |
| Return on assets (ROA) | 0.3588% | 5,452 |
| Pretax return on assets | 0.4198% | 5,501 |
| Return on Equity (ROE) | 3.0412% | 5,573 |
| Retained earnings to average equity (ytd only) | 3.0412% | 4,455 |
| Net charge-offs to loans | 0.1346% | 2,601 |
| Credit loss provision to net charge-offs | 516.6667% | 513 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,754 |
| Efficiency ratio | 79.1946% | 2,439 |
| Assets per employee ($millions) | 3.2077% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,126 |
| Loan loss allowance to noncurrent loans | 36.1846% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 3.9662% | 1,012 |
| Noncurrent loans to loans | 5.4407% | 670 |
| Net loans and leases to total assets | 60.1978% | 3,391 |
| Net loans and leases to deposits | 69.9970% | 3,483 |
| Net loans and leases to core deposits | 73.9133% | 3,589 |
| Total domestic deposits to total assets | 86.0006% | 3,526 |
| Equity capital to assets | 12.1203% | 1,958 |
| Core capital (leverage) ratio | 11.6381% | 1,792 |
| Tier 1 risk-based capital ratio | 18.6475% | 2,140 |
| Total risk-based capital ratio | 19.9052% | 2,110 |
| Memoranda: | ||
| Average total assets | $59,078,500 | 5,927 |
| Average earning assets | $53,881,500 | 5,904 |
| Average equity | $6,971,000 | 5,747 |
| Average total loans | $35,674,000 | 5,632 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 4,844 |
| Cost of funding earning assets | 0.4464% | 5,607 |
| Net interest margin | 3.6829% | 3,727 |
| Noninterest income to average assets | 0.9787% | 1,600 |
| Noninterest expense to average assets | 3.0600% | 3,049 |
| Loan and lease loss provision to assets | 0.5245% | 1,111 |
| Net operating income to assets | 0.5832% | 4,314 |
| Return on assets (ROA) | 0.5832% | 4,576 |
| Pretax return on assets | 0.7541% | 4,464 |
| Return on Equity (ROE) | 5.1834% | 4,601 |
| Retained earnings to average equity (ytd only) | 5.1834% | 2,588 |
| Net charge-offs to loans | 1.5567% | 561 |
| Credit loss provision to net charge-offs | 57.8558% | 4,503 |
| Earnings coverage of net charge-offs (x) | 1.4104% | 4,746 |
| Efficiency ratio | 70.5292% | 3,703 |
| Assets per employee ($millions) | 3.1799% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 2,572 |
| Loan loss allowance to noncurrent loans | 27.6569% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 4.4489% | 933 |
| Noncurrent loans to loans | 6.5277% | 514 |
| Net loans and leases to total assets | 58.3343% | 3,917 |
| Net loans and leases to deposits | 67.2486% | 4,096 |
| Net loans and leases to core deposits | 70.4407% | 4,241 |
| Total domestic deposits to total assets | 86.7442% | 2,964 |
| Equity capital to assets | 11.4931% | 2,454 |
| Core capital (leverage) ratio | 11.5771% | 1,823 |
| Tier 1 risk-based capital ratio | 18.3869% | 2,139 |
| Total risk-based capital ratio | 19.6419% | 2,102 |
| Memoranda: | ||
| Average total assets | $59,673,200 | 5,931 |
| Average earning assets | $54,440,800 | 5,913 |
| Average equity | $6,713,800 | 5,843 |
| Average total loans | $34,753,000 | 5,726 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 4,445 |
| Cost of funding earning assets | 0.4704% | 5,637 |
| Net interest margin | 3.8317% | 3,197 |
| Noninterest income to average assets | 0.7105% | 2,655 |
| Noninterest expense to average assets | 3.0258% | 3,149 |
| Loan and lease loss provision to assets | 0.5424% | 1,088 |
| Net operating income to assets | 0.5200% | 4,765 |
| Return on assets (ROA) | 0.5200% | 5,025 |
| Pretax return on assets | 0.6478% | 5,018 |
| Return on Equity (ROE) | 4.6472% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.6472% | 3,621 |
| Net charge-offs to loans | 1.8761% | 407 |
| Credit loss provision to net charge-offs | 49.8969% | 4,411 |
| Earnings coverage of net charge-offs (x) | 1.0948% | 4,755 |
| Efficiency ratio | 71.7703% | 3,370 |
| Assets per employee ($millions) | 3.0770% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 2,762 |
| Loan loss allowance to noncurrent loans | 37.5668% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 3.6108% | 1,383 |
| Noncurrent loans to loans | 4.8239% | 950 |
| Net loans and leases to total assets | 58.6645% | 4,013 |
| Net loans and leases to deposits | 67.9256% | 4,192 |
| Net loans and leases to core deposits | 71.2695% | 4,341 |
| Total domestic deposits to total assets | 86.3657% | 3,053 |
| Equity capital to assets | 11.7083% | 2,527 |
| Core capital (leverage) ratio | 11.3410% | 2,101 |
| Tier 1 risk-based capital ratio | 17.6626% | 2,475 |
| Total risk-based capital ratio | 18.9166% | 2,443 |
| Memoranda: | ||
| Average total assets | $59,486,750 | 6,000 |
| Average earning assets | $54,421,500 | 5,979 |
| Average equity | $6,656,250 | 5,923 |
| Average total loans | $34,468,000 | 5,815 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 4,456 |
| Cost of funding earning assets | 0.4949% | 5,657 |
| Net interest margin | 3.8348% | 3,200 |
| Noninterest income to average assets | 0.6118% | 3,187 |
| Noninterest expense to average assets | 3.0554% | 3,066 |
| Loan and lease loss provision to assets | 0.5349% | 1,160 |
| Net operating income to assets | 0.2073% | 5,890 |
| Return on assets (ROA) | 0.2073% | 6,078 |
| Pretax return on assets | 0.5182% | 5,390 |
| Return on Equity (ROE) | 1.8807% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.8807% | 5,263 |
| Net charge-offs to loans | 2.1799% | 362 |
| Credit loss provision to net charge-offs | 42.7807% | 4,197 |
| Earnings coverage of net charge-offs (x) | 0.8422% | 4,637 |
| Efficiency ratio | 74.3694% | 3,014 |
| Assets per employee ($millions) | 3.0833% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9735% | 2,303 |
| Loan loss allowance to noncurrent loans | 28.1702% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 4.0114% | 1,267 |
| Noncurrent loans to loans | 7.0055% | 553 |
| Net loans and leases to total assets | 56.1306% | 4,445 |
| Net loans and leases to deposits | 64.6590% | 4,679 |
| Net loans and leases to core deposits | 67.3087% | 4,864 |
| Total domestic deposits to total assets | 86.8102% | 2,886 |
| Equity capital to assets | 11.3429% | 2,740 |
| Core capital (leverage) ratio | 11.0187% | 2,276 |
| Tier 1 risk-based capital ratio | 18.1831% | 2,236 |
| Total risk-based capital ratio | 19.4413% | 2,205 |
| Memoranda: | ||
| Average total assets | $59,828,000 | 6,035 |
| Average earning assets | $54,553,000 | 6,016 |
| Average equity | $6,593,330 | 5,959 |
| Average total loans | $34,314,000 | 5,858 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 4,880 |
| Cost of funding earning assets | 0.5319% | 5,602 |
| Net interest margin | 3.7305% | 3,694 |
| Noninterest income to average assets | 0.4235% | 4,491 |
| Noninterest expense to average assets | 2.9710% | 3,382 |
| Loan and lease loss provision to assets | 0.8602% | 527 |
| Net operating income to assets | -0.3573% | 6,739 |
| Return on assets (ROA) | -0.3573% | 6,779 |
| Pretax return on assets | -0.0199% | 6,552 |
| Return on Equity (ROE) | -3.2889% | 6,772 |
| Retained earnings to average equity (ytd only) | -3.2889% | 6,428 |
| Net charge-offs to loans | 4.2999% | 130 |
| Credit loss provision to net charge-offs | 34.8525% | 3,538 |
| Earnings coverage of net charge-offs (x) | 0.3405% | 4,193 |
| Efficiency ratio | 77.9514% | 2,502 |
| Assets per employee ($millions) | 3.1005% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 2,765 |
| Loan loss allowance to noncurrent loans | 25.2191% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 4.7191% | 1,114 |
| Noncurrent loans to loans | 7.4223% | 577 |
| Net loans and leases to total assets | 56.3310% | 4,324 |
| Net loans and leases to deposits | 64.7531% | 4,520 |
| Net loans and leases to core deposits | 67.3842% | 4,745 |
| Total domestic deposits to total assets | 86.9935% | 2,961 |
| Equity capital to assets | 11.1273% | 2,777 |
| Core capital (leverage) ratio | 10.5620% | 2,683 |
| Tier 1 risk-based capital ratio | 17.4944% | 2,478 |
| Total risk-based capital ratio | 18.7510% | 2,445 |
| Memoranda: | ||
| Average total assets | $60,450,500 | 6,050 |
| Average earning assets | $54,898,500 | 6,039 |
| Average equity | $6,567,500 | 6,004 |
| Average total loans | $34,698,500 | 5,887 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 5,845 |
| Cost of funding earning assets | 0.6506% | 5,823 |
| Net interest margin | 3.6225% | 4,643 |
| Noninterest income to average assets | 0.4264% | 4,391 |
| Noninterest expense to average assets | 3.2821% | 2,584 |
| Loan and lease loss provision to assets | 0.3484% | 2,912 |
| Net operating income to assets | 0.1225% | 5,811 |
| Return on assets (ROA) | 0.2434% | 5,591 |
| Pretax return on assets | 0.2386% | 5,694 |
| Return on Equity (ROE) | 2.3483% | 5,529 |
| Retained earnings to average equity (ytd only) | 2.3483% | 4,553 |
| Net charge-offs to loans | 1.0474% | 1,660 |
| Credit loss provision to net charge-offs | 55.5838% | 5,279 |
| Earnings coverage of net charge-offs (x) | 0.7437% | 5,249 |
| Efficiency ratio | 87.5637% | 1,393 |
| Assets per employee ($millions) | 3.2627% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4621% | 1,368 |
| Loan loss allowance to noncurrent loans | 30.6401% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 5.1200% | 1,030 |
| Noncurrent loans to loans | 8.0354% | 498 |
| Net loans and leases to total assets | 55.9814% | 4,712 |
| Net loans and leases to deposits | 63.8810% | 5,032 |
| Net loans and leases to core deposits | 67.5031% | 5,087 |
| Total domestic deposits to total assets | 87.6339% | 2,381 |
| Equity capital to assets | 10.6143% | 3,403 |
| Core capital (leverage) ratio | 10.5214% | 2,700 |
| Tier 1 risk-based capital ratio | 16.9630% | 2,624 |
| Total risk-based capital ratio | 18.2304% | 2,574 |
| Memoranda: | ||
| Average total assets | $62,856,200 | 5,963 |
| Average earning assets | $57,640,400 | 5,939 |
| Average equity | $6,515,400 | 6,013 |
| Average total loans | $37,617,200 | 5,805 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 5,898 |
| Cost of funding earning assets | 0.6709% | 5,928 |
| Net interest margin | 3.6439% | 4,603 |
| Noninterest income to average assets | 0.3150% | 5,346 |
| Noninterest expense to average assets | 3.3929% | 2,206 |
| Loan and lease loss provision to assets | 0.3551% | 2,745 |
| Net operating income to assets | 0.0211% | 6,126 |
| Return on assets (ROA) | 0.1818% | 5,876 |
| Pretax return on assets | 0.0803% | 6,128 |
| Return on Equity (ROE) | 1.7642% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.7642% | 5,259 |
| Net charge-offs to loans | 1.3534% | 1,119 |
| Credit loss provision to net charge-offs | 43.4109% | 5,175 |
| Earnings coverage of net charge-offs (x) | 0.3359% | 5,360 |
| Efficiency ratio | 92.5072% | 997 |
| Assets per employee ($millions) | 3.3659% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2875% | 1,713 |
| Loan loss allowance to noncurrent loans | 29.0909% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 5.2404% | 1,090 |
| Noncurrent loans to loans | 7.8634% | 569 |
| Net loans and leases to total assets | 58.6578% | 4,384 |
| Net loans and leases to deposits | 67.1472% | 4,747 |
| Net loans and leases to core deposits | 71.4510% | 4,777 |
| Total domestic deposits to total assets | 87.3570% | 2,438 |
| Equity capital to assets | 10.8076% | 3,347 |
| Core capital (leverage) ratio | 10.0220% | 3,410 |
| Tier 1 risk-based capital ratio | 16.2785% | 2,979 |
| Total risk-based capital ratio | 17.5494% | 2,933 |
| Memoranda: | ||
| Average total assets | $63,072,250 | 6,000 |
| Average earning assets | $58,031,500 | 5,976 |
| Average equity | $6,499,250 | 6,058 |
| Average total loans | $38,126,500 | 5,832 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 5,840 |
| Cost of funding earning assets | 0.6914% | 6,012 |
| Net interest margin | 3.6615% | 4,462 |
| Noninterest income to average assets | 0.5446% | 3,514 |
| Noninterest expense to average assets | 3.4929% | 1,997 |
| Loan and lease loss provision to assets | 0.5258% | 1,860 |
| Net operating income to assets | 0.0657% | 6,084 |
| Return on assets (ROA) | 0.0657% | 6,168 |
| Pretax return on assets | -0.1095% | 6,376 |
| Return on Equity (ROE) | 0.6478% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.6478% | 5,599 |
| Net charge-offs to loans | 0.3152% | 3,295 |
| Credit loss provision to net charge-offs | 275.4098% | 1,105 |
| Earnings coverage of net charge-offs (x) | 2.1803% | 3,751 |
| Efficiency ratio | 89.3515% | 1,295 |
| Assets per employee ($millions) | 3.2325% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1775% | 778 |
| Loan loss allowance to noncurrent loans | 44.2830% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 4.7707% | 1,301 |
| Noncurrent loans to loans | 7.1754% | 702 |
| Net loans and leases to total assets | 57.4531% | 4,733 |
| Net loans and leases to deposits | 65.6850% | 5,046 |
| Net loans and leases to core deposits | 71.0910% | 4,942 |
| Total domestic deposits to total assets | 87.4676% | 2,482 |
| Equity capital to assets | 10.6534% | 3,331 |
| Core capital (leverage) ratio | 9.9561% | 3,317 |
| Tier 1 risk-based capital ratio | 16.1994% | 2,881 |
| Total risk-based capital ratio | 17.4720% | 2,839 |
| Memoranda: | ||
| Average total assets | $63,900,670 | 6,016 |
| Average earning assets | $58,718,330 | 5,999 |
| Average equity | $6,483,000 | 6,088 |
| Average total loans | $38,711,670 | 5,859 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 5,988 |
| Cost of funding earning assets | 0.7141% | 6,058 |
| Net interest margin | 3.5972% | 4,581 |
| Noninterest income to average assets | 0.5097% | 3,803 |
| Noninterest expense to average assets | 3.7579% | 1,422 |
| Loan and lease loss provision to assets | 1.0316% | 731 |
| Net operating income to assets | -0.4667% | 6,785 |
| Return on assets (ROA) | -0.4667% | 6,793 |
| Pretax return on assets | -0.9702% | 6,987 |
| Return on Equity (ROE) | -4.7110% | 6,795 |
| Retained earnings to average equity (ytd only) | -4.7110% | 6,495 |
| Net charge-offs to loans | 0.5923% | 2,015 |
| Credit loss provision to net charge-offs | 284.7458% | 1,118 |
| Earnings coverage of net charge-offs (x) | 0.1695% | 4,477 |
| Efficiency ratio | 98.3923% | 813 |
| Assets per employee ($millions) | 3.3327% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9869% | 928 |
| Loan loss allowance to noncurrent loans | 75.4717% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 3.0890% | 2,230 |
| Noncurrent loans to loans | 3.9577% | 1,845 |
| Net loans and leases to total assets | 59.5000% | 4,360 |
| Net loans and leases to deposits | 67.5681% | 4,738 |
| Net loans and leases to core deposits | 70.9182% | 4,934 |
| Total domestic deposits to total assets | 88.0593% | 2,343 |
| Equity capital to assets | 10.1404% | 3,605 |
| Core capital (leverage) ratio | 9.4085% | 3,946 |
| Tier 1 risk-based capital ratio | 15.1592% | 3,338 |
| Total risk-based capital ratio | 16.4294% | 3,285 |
| Memoranda: | ||
| Average total assets | $65,142,500 | 6,024 |
| Average earning assets | $59,935,000 | 5,996 |
| Average equity | $6,453,000 | 6,108 |
| Average total loans | $39,845,500 | 5,856 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 5,019 |
| Cost of funding earning assets | 1.0099% | 5,644 |
| Net interest margin | 3.8930% | 3,526 |
| Noninterest income to average assets | 0.6565% | 3,110 |
| Noninterest expense to average assets | 3.1366% | 3,318 |
| Loan and lease loss provision to assets | 1.1321% | 1,410 |
| Net operating income to assets | 0.1368% | 5,480 |
| Return on assets (ROA) | 0.1368% | 5,633 |
| Pretax return on assets | -0.0623% | 5,966 |
| Return on Equity (ROE) | 1.3541% | 5,603 |
| Retained earnings to average equity (ytd only) | -0.9027% | 5,788 |
| Net charge-offs to loans | 0.9464% | 2,291 |
| Credit loss provision to net charge-offs | 172.8538% | 1,948 |
| Earnings coverage of net charge-offs (x) | 1.6334% | 4,514 |
| Efficiency ratio | 74.5665% | 3,285 |
| Assets per employee ($millions) | 3.3482% | 5,314 |
| Cash dividends to net income (ytd only)* | 166.6667% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5725% | 1,316 |
| Loan loss allowance to noncurrent loans | 51.7224% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.0912% | 2,284 |
| Noncurrent loans to loans | 4.9737% | 1,358 |
| Net loans and leases to total assets | 59.4409% | 4,766 |
| Net loans and leases to deposits | 67.0666% | 5,242 |
| Net loans and leases to core deposits | 69.6154% | 5,481 |
| Total domestic deposits to total assets | 88.6297% | 1,873 |
| Equity capital to assets | 9.6843% | 4,160 |
| Core capital (leverage) ratio | 9.7500% | 3,377 |
| Tier 1 risk-based capital ratio | 14.6092% | 3,473 |
| Total risk-based capital ratio | 15.8588% | 3,435 |
| Memoranda: | ||
| Average total assets | $65,804,600 | 6,011 |
| Average earning assets | $60,005,400 | 5,997 |
| Average equity | $6,646,400 | 6,151 |
| Average total loans | $45,540,600 | 5,682 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 4,627 |
| Cost of funding earning assets | 1.0912% | 5,474 |
| Net interest margin | 3.9480% | 3,327 |
| Noninterest income to average assets | 0.6390% | 3,199 |
| Noninterest expense to average assets | 3.0832% | 3,411 |
| Loan and lease loss provision to assets | 0.6207% | 2,454 |
| Net operating income to assets | 0.4986% | 4,323 |
| Return on assets (ROA) | 0.4986% | 4,515 |
| Pretax return on assets | 0.5210% | 4,857 |
| Return on Equity (ROE) | 4.8852% | 4,348 |
| Retained earnings to average equity (ytd only) | 2.8912% | 4,402 |
| Net charge-offs to loans | 0.1655% | 4,991 |
| Credit loss provision to net charge-offs | 525.8621% | 553 |
| Earnings coverage of net charge-offs (x) | 9.6726% | 1,993 |
| Efficiency ratio | 72.9769% | 3,531 |
| Assets per employee ($millions) | 3.1052% | 5,909 |
| Cash dividends to net income (ytd only)* | 40.8161% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1336% | 1,918 |
| Loan loss allowance to noncurrent loans | 55.5618% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 3.1625% | 2,276 |
| Noncurrent loans to loans | 3.8401% | 1,989 |
| Net loans and leases to total assets | 72.6776% | 2,084 |
| Net loans and leases to deposits | 83.3903% | 2,810 |
| Net loans and leases to core deposits | 88.1164% | 3,353 |
| Total domestic deposits to total assets | 87.1536% | 2,445 |
| Equity capital to assets | 10.9029% | 3,049 |
| Core capital (leverage) ratio | 10.4081% | 2,792 |
| Tier 1 risk-based capital ratio | 14.1203% | 3,744 |
| Total risk-based capital ratio | 15.3820% | 3,712 |
| Memoranda: | ||
| Average total assets | $65,514,750 | 6,083 |
| Average earning assets | $59,505,500 | 6,077 |
| Average equity | $6,686,750 | 6,213 |
| Average total loans | $46,712,000 | 5,688 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 4,840 |
| Cost of funding earning assets | 1.1458% | 5,433 |
| Net interest margin | 3.8759% | 3,555 |
| Noninterest income to average assets | 0.5251% | 3,917 |
| Noninterest expense to average assets | 3.0577% | 3,488 |
| Loan and lease loss provision to assets | 0.5551% | 2,551 |
| Net operating income to assets | 0.4201% | 4,661 |
| Return on assets (ROA) | 0.4201% | 4,818 |
| Pretax return on assets | 0.4141% | 5,182 |
| Return on Equity (ROE) | 4.2050% | 4,682 |
| Retained earnings to average equity (ytd only) | 2.7032% | 4,416 |
| Net charge-offs to loans | 0.3283% | 3,682 |
| Credit loss provision to net charge-offs | 240.2597% | 1,600 |
| Earnings coverage of net charge-offs (x) | 4.1948% | 3,023 |
| Efficiency ratio | 75.9314% | 3,088 |
| Assets per employee ($millions) | 3.0448% | 6,046 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 2,490 |
| Loan loss allowance to noncurrent loans | 43.6467% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 4.6621% | 1,398 |
| Noncurrent loans to loans | 4.2972% | 1,728 |
| Net loans and leases to total assets | 69.1387% | 3,095 |
| Net loans and leases to deposits | 78.9231% | 3,816 |
| Net loans and leases to core deposits | 81.1871% | 4,529 |
| Total domestic deposits to total assets | 87.6026% | 2,206 |
| Equity capital to assets | 10.4956% | 3,417 |
| Core capital (leverage) ratio | 10.1907% | 2,950 |
| Tier 1 risk-based capital ratio | 13.9281% | 3,782 |
| Total risk-based capital ratio | 15.1851% | 3,739 |
| Memoranda: | ||
| Average total assets | $66,652,000 | 6,080 |
| Average earning assets | $60,218,670 | 6,094 |
| Average equity | $6,658,670 | 6,252 |
| Average total loans | $46,909,670 | 5,721 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 5,617 |
| Cost of funding earning assets | 1.1732% | 5,539 |
| Net interest margin | 3.6945% | 4,271 |
| Noninterest income to average assets | 0.5117% | 3,959 |
| Noninterest expense to average assets | 3.0291% | 3,566 |
| Loan and lease loss provision to assets | 0.3823% | 3,071 |
| Net operating income to assets | 0.4647% | 4,553 |
| Return on assets (ROA) | 0.4647% | 4,688 |
| Pretax return on assets | 0.4529% | 5,121 |
| Return on Equity (ROE) | 4.7644% | 4,492 |
| Retained earnings to average equity (ytd only) | 1.7490% | 5,068 |
| Net charge-offs to loans | 0.1003% | 4,414 |
| Credit loss provision to net charge-offs | 541.6667% | 785 |
| Earnings coverage of net charge-offs (x) | 11.8333% | 1,615 |
| Efficiency ratio | 78.3866% | 2,836 |
| Assets per employee ($millions) | 2.9783% | 6,260 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 3,153 |
| Loan loss allowance to noncurrent loans | 34.5884% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 3.8720% | 1,781 |
| Noncurrent loans to loans | 4.8444% | 1,515 |
| Net loans and leases to total assets | 70.7503% | 2,747 |
| Net loans and leases to deposits | 80.4195% | 3,567 |
| Net loans and leases to core deposits | 85.4791% | 3,974 |
| Total domestic deposits to total assets | 87.9766% | 2,076 |
| Equity capital to assets | 10.1401% | 3,683 |
| Core capital (leverage) ratio | 9.5804% | 3,667 |
| Tier 1 risk-based capital ratio | 13.2781% | 4,144 |
| Total risk-based capital ratio | 14.5301% | 4,091 |
| Memoranda: | ||
| Average total assets | $68,007,500 | 6,107 |
| Average earning assets | $61,714,000 | 6,099 |
| Average equity | $6,632,500 | 6,309 |
| Average total loans | $47,838,000 | 5,766 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 4,490 |
| Cost of funding earning assets | 1.4258% | 5,822 |
| Net interest margin | 4.0147% | 2,812 |
| Noninterest income to average assets | 0.6125% | 3,534 |
| Noninterest expense to average assets | 3.0987% | 3,752 |
| Loan and lease loss provision to assets | 0.7758% | 2,790 |
| Net operating income to assets | 0.3843% | 4,186 |
| Return on assets (ROA) | 0.3843% | 4,292 |
| Pretax return on assets | 0.4030% | 4,488 |
| Return on Equity (ROE) | 4.1160% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.1160% | 2,331 |
| Net charge-offs to loans | 0.8485% | 2,706 |
| Credit loss provision to net charge-offs | 126.3529% | 4,123 |
| Earnings coverage of net charge-offs (x) | 1.9200% | 4,283 |
| Efficiency ratio | 72.4417% | 4,192 |
| Assets per employee ($millions) | 3.2042% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,619 |
| Loan loss allowance to noncurrent loans | 48.7450% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 2.6215% | 2,684 |
| Noncurrent loans to loans | 3.1198% | 2,455 |
| Net loans and leases to total assets | 67.7954% | 3,748 |
| Net loans and leases to deposits | 76.2886% | 4,687 |
| Net loans and leases to core deposits | 94.8818% | 4,575 |
| Total domestic deposits to total assets | 88.8670% | 1,534 |
| Equity capital to assets | 9.3924% | 4,572 |
| Core capital (leverage) ratio | 9.4312% | 3,800 |
| Tier 1 risk-based capital ratio | 12.7869% | 4,294 |
| Total risk-based capital ratio | 14.0397% | 4,239 |
| Memoranda: | ||
| Average total assets | $69,222,400 | 6,029 |
| Average earning assets | $63,193,000 | 6,028 |
| Average equity | $6,462,600 | 6,440 |
| Average total loans | $50,091,000 | 5,666 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 4,190 |
| Cost of funding earning assets | 1.4779% | 5,923 |
| Net interest margin | 4.0659% | 2,525 |
| Noninterest income to average assets | 0.5960% | 3,743 |
| Noninterest expense to average assets | 3.1463% | 3,476 |
| Loan and lease loss provision to assets | 0.9307% | 2,070 |
| Net operating income to assets | 0.2748% | 4,882 |
| Return on assets (ROA) | 0.2903% | 4,933 |
| Pretax return on assets | 0.2554% | 5,179 |
| Return on Equity (ROE) | 3.1138% | 4,740 |
| Retained earnings to average equity (ytd only) | 3.1138% | 3,579 |
| Net charge-offs to loans | 0.9059% | 2,159 |
| Credit loss provision to net charge-offs | 140.2332% | 3,509 |
| Earnings coverage of net charge-offs (x) | 1.7639% | 4,471 |
| Efficiency ratio | 72.8821% | 4,074 |
| Assets per employee ($millions) | 2.8877% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,210 |
| Loan loss allowance to noncurrent loans | 52.9086% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.9646% | 2,336 |
| Noncurrent loans to loans | 2.9238% | 2,609 |
| Net loans and leases to total assets | 73.2098% | 2,733 |
| Net loans and leases to deposits | 82.9758% | 3,835 |
| Net loans and leases to core deposits | 104.4421% | 3,883 |
| Total domestic deposits to total assets | 88.2302% | 1,545 |
| Equity capital to assets | 9.8305% | 4,313 |
| Core capital (leverage) ratio | 9.4863% | 3,926 |
| Tier 1 risk-based capital ratio | 12.8099% | 4,317 |
| Total risk-based capital ratio | 14.0617% | 4,257 |
| Memoranda: | ||
| Average total assets | $68,904,750 | 6,080 |
| Average earning assets | $63,060,000 | 6,068 |
| Average equity | $6,423,000 | 6,514 |
| Average total loans | $50,481,500 | 5,691 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5718% | 4,205 |
| Cost of funding earning assets | 1.5610% | 5,878 |
| Net interest margin | 4.0108% | 2,657 |
| Noninterest income to average assets | 0.5793% | 3,841 |
| Noninterest expense to average assets | 3.1175% | 3,633 |
| Loan and lease loss provision to assets | 0.5650% | 2,761 |
| Net operating income to assets | 0.4503% | 4,286 |
| Return on assets (ROA) | 0.4503% | 4,394 |
| Pretax return on assets | 0.5593% | 4,444 |
| Return on Equity (ROE) | 4.9157% | 4,113 |
| Retained earnings to average equity (ytd only) | 4.9157% | 2,557 |
| Net charge-offs to loans | 0.1888% | 4,374 |
| Credit loss provision to net charge-offs | 410.4167% | 1,128 |
| Earnings coverage of net charge-offs (x) | 8.1667% | 2,305 |
| Efficiency ratio | 73.4956% | 4,109 |
| Assets per employee ($millions) | 2.6574% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,024 |
| Loan loss allowance to noncurrent loans | 35.3881% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 3.5252% | 1,760 |
| Noncurrent loans to loans | 4.3287% | 1,503 |
| Net loans and leases to total assets | 74.9865% | 2,437 |
| Net loans and leases to deposits | 84.9180% | 3,737 |
| Net loans and leases to core deposits | 107.9012% | 3,623 |
| Total domestic deposits to total assets | 88.3045% | 1,624 |
| Equity capital to assets | 9.7688% | 4,259 |
| Core capital (leverage) ratio | 9.4641% | 3,937 |
| Tier 1 risk-based capital ratio | 12.6029% | 4,441 |
| Total risk-based capital ratio | 13.8568% | 4,354 |
| Memoranda: | ||
| Average total assets | $69,734,330 | 6,088 |
| Average earning assets | $63,677,670 | 6,086 |
| Average equity | $6,387,670 | 6,578 |
| Average total loans | $50,846,330 | 5,731 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5650% | 4,545 |
| Cost of funding earning assets | 1.7137% | 5,543 |
| Net interest margin | 3.8513% | 3,241 |
| Noninterest income to average assets | 0.6276% | 3,361 |
| Noninterest expense to average assets | 2.9587% | 3,944 |
| Loan and lease loss provision to assets | 0.2073% | 4,367 |
| Net operating income to assets | 0.7004% | 3,558 |
| Return on assets (ROA) | 0.7004% | 3,749 |
| Pretax return on assets | 0.9750% | 3,444 |
| Return on Equity (ROE) | 7.8908% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.8908% | 1,854 |
| Net charge-offs to loans | -0.1413% | 7,958 |
| Credit loss provision to net charge-offs | -205.5556% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4479% | 4,277 |
| Assets per employee ($millions) | 2.7999% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 3,863 |
| Loan loss allowance to noncurrent loans | 31.3247% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 3.2115% | 1,725 |
| Noncurrent loans to loans | 4.2740% | 1,375 |
| Net loans and leases to total assets | 71.6949% | 3,306 |
| Net loans and leases to deposits | 84.6219% | 3,876 |
| Net loans and leases to core deposits | 108.0386% | 3,673 |
| Total domestic deposits to total assets | 84.7238% | 3,343 |
| Equity capital to assets | 9.1874% | 5,102 |
| Core capital (leverage) ratio | 9.0448% | 4,628 |
| Tier 1 risk-based capital ratio | 12.3549% | 4,656 |
| Total risk-based capital ratio | 13.6061% | 4,578 |
| Memoranda: | ||
| Average total assets | $71,383,500 | 6,089 |
| Average earning assets | $65,121,000 | 6,068 |
| Average equity | $6,336,500 | 6,646 |
| Average total loans | $50,973,000 | 5,757 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3212% | 3,851 |
| Cost of funding earning assets | 2.3362% | 4,987 |
| Net interest margin | 3.9849% | 3,190 |
| Noninterest income to average assets | 0.4903% | 4,685 |
| Noninterest expense to average assets | 2.9534% | 4,248 |
| Loan and lease loss provision to assets | 0.3027% | 3,955 |
| Net operating income to assets | 0.8414% | 3,258 |
| Return on assets (ROA) | 0.8400% | 3,102 |
| Pretax return on assets | 0.8329% | 3,948 |
| Return on Equity (ROE) | 9.8823% | 2,301 |
| Retained earnings to average equity (ytd only) | 7.7921% | 902 |
| Net charge-offs to loans | 0.4579% | 2,539 |
| Credit loss provision to net charge-offs | 90.6383% | 5,666 |
| Earnings coverage of net charge-offs (x) | 3.4043% | 4,384 |
| Efficiency ratio | 72.2029% | 3,898 |
| Assets per employee ($millions) | 3.0320% | 5,979 |
| Cash dividends to net income (ytd only)* | 21.1506% | 4,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 4,341 |
| Loan loss allowance to noncurrent loans | 25.5719% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 3.5812% | 1,230 |
| Noncurrent loans to loans | 4.7925% | 953 |
| Net loans and leases to total assets | 69.3345% | 4,185 |
| Net loans and leases to deposits | 80.9882% | 4,873 |
| Net loans and leases to core deposits | 100.6905% | 4,753 |
| Total domestic deposits to total assets | 85.6106% | 2,580 |
| Equity capital to assets | 8.5778% | 5,969 |
| Core capital (leverage) ratio | 9.0543% | 4,665 |
| Tier 1 risk-based capital ratio | 11.8967% | 4,904 |
| Total risk-based capital ratio | 13.1047% | 4,841 |
| Memoranda: | ||
| Average total assets | $70,358,600 | 6,030 |
| Average earning assets | $63,564,200 | 6,035 |
| Average equity | $5,980,400 | 6,816 |
| Average total loans | $51,322,600 | 5,651 |