Home > Liverpool Community Bank > Performance and Condition Ratios
Liverpool Community Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 1,884 |
| Cost of funding earning assets | 0.3940% | 3,635 |
| Net interest margin | 4.1015% | 1,436 |
| Noninterest income to average assets | 0.2849% | 4,268 |
| Noninterest expense to average assets | 2.4607% | 3,775 |
| Loan and lease loss provision to assets | -0.1036% | 5,510 |
| Net operating income to assets | 1.5282% | 1,013 |
| Return on assets (ROA) | 1.5282% | 1,017 |
| Pretax return on assets | 1.8823% | 760 |
| Return on Equity (ROE) | 7.2586% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.7160% | 3,303 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0448% | 4,332 |
| Assets per employee ($millions) | 4.2150% | 3,625 |
| Cash dividends to net income (ytd only)* | 35.0282% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,721 |
| Loan loss allowance to noncurrent loans | 632.2581% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 4,424 |
| Noncurrent loans to loans | 0.1922% | 4,103 |
| Net loans and leases to total assets | 68.7372% | 2,664 |
| Net loans and leases to deposits | 88.2874% | 1,897 |
| Net loans and leases to core deposits | 90.6711% | 2,399 |
| Total domestic deposits to total assets | 77.8561% | 4,747 |
| Equity capital to assets | 21.1302% | 177 |
| Core capital (leverage) ratio | 21.4103% | 172 |
| Tier 1 risk-based capital ratio | 39.4082% | 232 |
| Total risk-based capital ratio | 40.6637% | 228 |
| Memoranda: | ||
| Average total assets | $46,327,500 | 5,180 |
| Average earning assets | $44,667,000 | 5,139 |
| Average equity | $9,754,000 | 4,462 |
| Average total loans | $32,790,500 | 4,899 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 1,616 |
| Cost of funding earning assets | 0.4265% | 2,990 |
| Net interest margin | 4.1035% | 1,417 |
| Noninterest income to average assets | 0.3209% | 4,169 |
| Noninterest expense to average assets | 2.5695% | 3,546 |
| Loan and lease loss provision to assets | -0.0106% | 5,306 |
| Net operating income to assets | 0.8926% | 2,757 |
| Return on assets (ROA) | 0.8926% | 2,781 |
| Pretax return on assets | 1.5855% | 1,334 |
| Return on Equity (ROE) | 4.3713% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.7581% | 3,661 |
| Net charge-offs to loans | -0.0060% | 4,674 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0000% | 3,936 |
| Assets per employee ($millions) | 3.8575% | 4,188 |
| Cash dividends to net income (ytd only)* | 36.9048% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,702 |
| Loan loss allowance to noncurrent loans | 824.4898% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,605 |
| Noncurrent loans to loans | 0.1471% | 4,336 |
| Net loans and leases to total assets | 71.1061% | 2,362 |
| Net loans and leases to deposits | 91.2886% | 1,612 |
| Net loans and leases to core deposits | 92.1163% | 2,371 |
| Total domestic deposits to total assets | 77.8916% | 4,732 |
| Equity capital to assets | 20.9786% | 178 |
| Core capital (leverage) ratio | 21.0548% | 173 |
| Tier 1 risk-based capital ratio | 38.2330% | 249 |
| Total risk-based capital ratio | 39.4890% | 243 |
| Memoranda: | ||
| Average total assets | $47,052,600 | 5,208 |
| Average earning assets | $43,840,800 | 5,189 |
| Average equity | $9,608,200 | 4,508 |
| Average total loans | $33,157,800 | 4,916 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 1,602 |
| Cost of funding earning assets | 0.4310% | 2,880 |
| Net interest margin | 4.0835% | 1,432 |
| Noninterest income to average assets | 0.3076% | 4,328 |
| Noninterest expense to average assets | 2.4440% | 3,904 |
| Loan and lease loss provision to assets | 0.0028% | 4,055 |
| Net operating income to assets | 1.1063% | 2,060 |
| Return on assets (ROA) | 1.1063% | 2,114 |
| Pretax return on assets | 1.6312% | 1,310 |
| Return on Equity (ROE) | 5.4542% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.7289% | 3,707 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9308% | 4,229 |
| Assets per employee ($millions) | 3.5717% | 4,618 |
| Cash dividends to net income (ytd only)* | 31.6330% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,856 |
| Loan loss allowance to noncurrent loans | 132.4675% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 2,512 |
| Noncurrent loans to loans | 0.9154% | 2,097 |
| Net loans and leases to total assets | 71.5843% | 2,320 |
| Net loans and leases to deposits | 91.7315% | 1,600 |
| Net loans and leases to core deposits | 92.5566% | 2,394 |
| Total domestic deposits to total assets | 78.0367% | 4,719 |
| Equity capital to assets | 20.9618% | 189 |
| Core capital (leverage) ratio | 20.6020% | 191 |
| Tier 1 risk-based capital ratio | 37.0911% | 280 |
| Total risk-based capital ratio | 38.3441% | 276 |
| Memoranda: | ||
| Average total assets | $47,243,250 | 5,264 |
| Average earning assets | $43,621,750 | 5,252 |
| Average equity | $9,582,500 | 4,559 |
| Average total loans | $33,117,500 | 4,968 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,733 |
| Cost of funding earning assets | 0.4377% | 2,721 |
| Net interest margin | 3.9904% | 1,635 |
| Noninterest income to average assets | 0.2989% | 4,396 |
| Noninterest expense to average assets | 2.3698% | 4,146 |
| Loan and lease loss provision to assets | -0.0547% | 5,608 |
| Net operating income to assets | 1.1323% | 1,844 |
| Return on assets (ROA) | 1.1323% | 1,894 |
| Pretax return on assets | 1.6290% | 1,253 |
| Return on Equity (ROE) | 5.6440% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.6927% | 3,498 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0854% | 4,304 |
| Assets per employee ($millions) | 3.6173% | 4,550 |
| Cash dividends to net income (ytd only)* | 34.5725% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,977 |
| Loan loss allowance to noncurrent loans | 62.9393% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 1,218 |
| Noncurrent loans to loans | 1.9162% | 902 |
| Net loans and leases to total assets | 68.6337% | 2,717 |
| Net loans and leases to deposits | 87.5824% | 2,038 |
| Net loans and leases to core deposits | 88.3545% | 2,673 |
| Total domestic deposits to total assets | 78.3647% | 4,752 |
| Equity capital to assets | 20.5189% | 204 |
| Core capital (leverage) ratio | 20.3334% | 193 |
| Tier 1 risk-based capital ratio | 38.2575% | 238 |
| Total risk-based capital ratio | 39.5106% | 232 |
| Memoranda: | ||
| Average total assets | $47,513,670 | 5,301 |
| Average earning assets | $43,404,670 | 5,298 |
| Average equity | $9,532,330 | 4,586 |
| Average total loans | $32,941,330 | 5,010 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3814% | 1,709 |
| Cost of funding earning assets | 0.4381% | 2,638 |
| Net interest margin | 3.9433% | 1,628 |
| Noninterest income to average assets | 0.3099% | 4,336 |
| Noninterest expense to average assets | 2.3954% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0051% | 2,282 |
| Return on assets (ROA) | 1.0051% | 2,332 |
| Pretax return on assets | 1.4573% | 1,672 |
| Return on Equity (ROE) | 5.0665% | 4,359 |
| Retained earnings to average equity (ytd only) | 2.4488% | 4,165 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1739% | 4,125 |
| Assets per employee ($millions) | 3.7119% | 4,489 |
| Cash dividends to net income (ytd only)* | 51.6667% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,885 |
| Loan loss allowance to noncurrent loans | 117.9710% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 2,506 |
| Noncurrent loans to loans | 1.0519% | 1,952 |
| Net loans and leases to total assets | 67.1226% | 2,801 |
| Net loans and leases to deposits | 84.6178% | 2,209 |
| Net loans and leases to core deposits | 85.3334% | 2,779 |
| Total domestic deposits to total assets | 79.3244% | 4,768 |
| Equity capital to assets | 19.7161% | 221 |
| Core capital (leverage) ratio | 20.3463% | 190 |
| Tier 1 risk-based capital ratio | 37.9098% | 257 |
| Total risk-based capital ratio | 39.1630% | 252 |
| Memoranda: | ||
| Average total assets | $47,758,000 | 5,359 |
| Average earning assets | $42,908,500 | 5,372 |
| Average equity | $9,474,000 | 4,630 |
| Average total loans | $33,077,500 | 5,052 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 810 |
| Cost of funding earning assets | 0.4805% | 2,252 |
| Net interest margin | 4.3639% | 833 |
| Noninterest income to average assets | 0.3418% | 4,293 |
| Noninterest expense to average assets | 2.4320% | 4,206 |
| Loan and lease loss provision to assets | -0.0331% | 5,542 |
| Net operating income to assets | 1.2480% | 1,360 |
| Return on assets (ROA) | 1.2480% | 1,442 |
| Pretax return on assets | 1.8279% | 744 |
| Return on Equity (ROE) | 6.1273% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.6117% | 2,631 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5378% | 4,903 |
| Assets per employee ($millions) | 3.6355% | 4,560 |
| Cash dividends to net income (ytd only)* | 24.7350% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,998 |
| Loan loss allowance to noncurrent loans | 103.8265% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 2,270 |
| Noncurrent loans to loans | 1.1751% | 1,749 |
| Net loans and leases to total assets | 69.7213% | 2,529 |
| Net loans and leases to deposits | 88.1656% | 1,903 |
| Net loans and leases to core deposits | 88.9294% | 2,592 |
| Total domestic deposits to total assets | 79.0800% | 4,776 |
| Equity capital to assets | 19.9615% | 208 |
| Core capital (leverage) ratio | 20.5218% | 182 |
| Tier 1 risk-based capital ratio | 37.8190% | 255 |
| Total risk-based capital ratio | 39.0728% | 253 |
| Memoranda: | ||
| Average total assets | $45,353,400 | 5,432 |
| Average earning assets | $40,376,600 | 5,461 |
| Average equity | $9,237,400 | 4,704 |
| Average total loans | $33,836,200 | 5,074 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 841 |
| Cost of funding earning assets | 0.4765% | 2,308 |
| Net interest margin | 4.3542% | 840 |
| Noninterest income to average assets | 0.4100% | 3,846 |
| Noninterest expense to average assets | 2.5729% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2359% | 1,500 |
| Return on assets (ROA) | 1.2359% | 1,600 |
| Pretax return on assets | 1.7737% | 942 |
| Return on Equity (ROE) | 6.0365% | 4,048 |
| Retained earnings to average equity (ytd only) | 4.4548% | 3,161 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1934% | 4,664 |
| Assets per employee ($millions) | 3.4722% | 4,811 |
| Cash dividends to net income (ytd only)* | 26.2021% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 3,100 |
| Loan loss allowance to noncurrent loans | 70.4508% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3270% | 1,431 |
| Noncurrent loans to loans | 1.7368% | 1,200 |
| Net loans and leases to total assets | 75.4713% | 1,618 |
| Net loans and leases to deposits | 96.3379% | 1,018 |
| Net loans and leases to core deposits | 97.1899% | 1,891 |
| Total domestic deposits to total assets | 78.3402% | 4,846 |
| Equity capital to assets | 20.7293% | 210 |
| Core capital (leverage) ratio | 20.6230% | 181 |
| Tier 1 risk-based capital ratio | 36.9515% | 290 |
| Total risk-based capital ratio | 38.2006% | 285 |
| Memoranda: | ||
| Average total assets | $44,876,500 | 5,499 |
| Average earning assets | $40,573,000 | 5,509 |
| Average equity | $9,188,250 | 4,770 |
| Average total loans | $33,955,750 | 5,118 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 757 |
| Cost of funding earning assets | 0.4840% | 2,240 |
| Net interest margin | 4.3958% | 773 |
| Noninterest income to average assets | 0.3438% | 4,321 |
| Noninterest expense to average assets | 2.6033% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1655% | 1,719 |
| Return on assets (ROA) | 1.1655% | 1,822 |
| Pretax return on assets | 1.6745% | 1,159 |
| Return on Equity (ROE) | 5.7162% | 4,185 |
| Retained earnings to average equity (ytd only) | 4.0079% | 3,355 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8559% | 4,530 |
| Assets per employee ($millions) | 3.7182% | 4,410 |
| Cash dividends to net income (ytd only)* | 29.8851% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 3,070 |
| Loan loss allowance to noncurrent loans | 127.4924% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 2,754 |
| Noncurrent loans to loans | 0.9806% | 2,320 |
| Net loans and leases to total assets | 74.7075% | 1,701 |
| Net loans and leases to deposits | 95.5374% | 1,126 |
| Net loans and leases to core deposits | 96.3883% | 1,945 |
| Total domestic deposits to total assets | 78.1971% | 4,963 |
| Equity capital to assets | 20.6867% | 199 |
| Core capital (leverage) ratio | 20.5423% | 175 |
| Tier 1 risk-based capital ratio | 36.5411% | 298 |
| Total risk-based capital ratio | 37.7965% | 297 |
| Memoranda: | ||
| Average total assets | $44,789,000 | 5,564 |
| Average earning assets | $40,083,670 | 5,584 |
| Average equity | $9,132,000 | 4,815 |
| Average total loans | $33,778,000 | 5,178 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 880 |
| Cost of funding earning assets | 0.4807% | 2,269 |
| Net interest margin | 4.3059% | 920 |
| Noninterest income to average assets | 0.4368% | 3,563 |
| Noninterest expense to average assets | 2.9415% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9181% | 2,664 |
| Return on assets (ROA) | 0.9181% | 2,775 |
| Pretax return on assets | 1.3281% | 2,194 |
| Return on Equity (ROE) | 4.5359% | 4,685 |
| Retained earnings to average equity (ytd only) | 2.4661% | 4,270 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8935% | 3,313 |
| Assets per employee ($millions) | 3.4835% | 4,844 |
| Cash dividends to net income (ytd only)* | 45.6311% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 3,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.0223% | 1,723 |
| Net loans and leases to deposits | 93.8753% | 1,157 |
| Net loans and leases to core deposits | 94.6841% | 1,916 |
| Total domestic deposits to total assets | 78.8517% | 5,002 |
| Equity capital to assets | 20.1303% | 210 |
| Core capital (leverage) ratio | 20.7063% | 174 |
| Tier 1 risk-based capital ratio | 35.6569% | 317 |
| Total risk-based capital ratio | 36.9108% | 313 |
| Memoranda: | ||
| Average total assets | $44,874,500 | 5,620 |
| Average earning assets | $39,945,000 | 5,637 |
| Average equity | $9,083,000 | 4,846 |
| Average total loans | $33,789,500 | 5,220 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8810% | 799 |
| Cost of funding earning assets | 0.5479% | 1,781 |
| Net interest margin | 4.3331% | 900 |
| Noninterest income to average assets | 0.4020% | 4,022 |
| Noninterest expense to average assets | 2.4276% | 4,446 |
| Loan and lease loss provision to assets | -0.0971% | 5,849 |
| Net operating income to assets | 1.3730% | 1,093 |
| Return on assets (ROA) | 1.3730% | 1,139 |
| Pretax return on assets | 1.9827% | 558 |
| Return on Equity (ROE) | 6.9047% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.3148% | 2,198 |
| Net charge-offs to loans | -0.0030% | 4,909 |
| Credit loss provision to net charge-offs | 4,300.0000% | 86 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2827% | 5,320 |
| Assets per employee ($millions) | 3.7053% | 4,465 |
| Cash dividends to net income (ytd only)* | 23.0263% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 3,136 |
| Loan loss allowance to noncurrent loans | 405.7692% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 4,662 |
| Noncurrent loans to loans | 0.3092% | 4,351 |
| Net loans and leases to total assets | 74.6986% | 1,612 |
| Net loans and leases to deposits | 95.0356% | 1,111 |
| Net loans and leases to core deposits | 95.8668% | 1,864 |
| Total domestic deposits to total assets | 78.6007% | 5,049 |
| Equity capital to assets | 20.3535% | 201 |
| Core capital (leverage) ratio | 20.3625% | 185 |
| Tier 1 risk-based capital ratio | 35.8732% | 315 |
| Total risk-based capital ratio | 37.1267% | 310 |
| Memoranda: | ||
| Average total assets | $44,282,200 | 5,676 |
| Average earning assets | $39,971,600 | 5,677 |
| Average equity | $8,805,600 | 4,893 |
| Average total loans | $33,421,000 | 5,249 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 721 |
| Cost of funding earning assets | 0.5530% | 1,778 |
| Net interest margin | 4.3768% | 832 |
| Noninterest income to average assets | 0.4129% | 3,990 |
| Noninterest expense to average assets | 2.5139% | 4,155 |
| Loan and lease loss provision to assets | -0.0693% | 5,954 |
| Net operating income to assets | 1.3172% | 1,293 |
| Return on assets (ROA) | 1.3172% | 1,353 |
| Pretax return on assets | 1.9050% | 711 |
| Return on Equity (ROE) | 6.6648% | 3,799 |
| Retained earnings to average equity (ytd only) | 5.1244% | 2,828 |
| Net charge-offs to loans | -0.0040% | 4,796 |
| Credit loss provision to net charge-offs | 2,300.0000% | 156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7963% | 5,148 |
| Assets per employee ($millions) | 3.4475% | 4,897 |
| Cash dividends to net income (ytd only)* | 23.1116% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 3,058 |
| Loan loss allowance to noncurrent loans | 267.8788% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 4,293 |
| Noncurrent loans to loans | 0.4873% | 3,897 |
| Net loans and leases to total assets | 74.5632% | 1,630 |
| Net loans and leases to deposits | 94.2147% | 1,180 |
| Net loans and leases to core deposits | 97.5593% | 1,739 |
| Total domestic deposits to total assets | 79.1418% | 4,942 |
| Equity capital to assets | 19.8853% | 239 |
| Core capital (leverage) ratio | 19.9542% | 210 |
| Tier 1 risk-based capital ratio | 35.2166% | 340 |
| Total risk-based capital ratio | 36.4716% | 342 |
| Memoranda: | ||
| Average total assets | $44,233,250 | 5,749 |
| Average earning assets | $39,784,250 | 5,756 |
| Average equity | $8,742,250 | 4,967 |
| Average total loans | $33,367,250 | 5,309 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 771 |
| Cost of funding earning assets | 0.5497% | 1,821 |
| Net interest margin | 4.3273% | 868 |
| Noninterest income to average assets | 0.4042% | 4,057 |
| Noninterest expense to average assets | 2.4978% | 4,250 |
| Loan and lease loss provision to assets | -0.0590% | 6,044 |
| Net operating income to assets | 1.2898% | 1,353 |
| Return on assets (ROA) | 1.2898% | 1,417 |
| Pretax return on assets | 1.8983% | 734 |
| Return on Equity (ROE) | 6.5395% | 3,859 |
| Retained earnings to average equity (ytd only) | 4.9277% | 2,900 |
| Net charge-offs to loans | -0.0060% | 4,788 |
| Credit loss provision to net charge-offs | 1,300.0000% | 277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5916% | 5,268 |
| Assets per employee ($millions) | 3.1381% | 5,420 |
| Cash dividends to net income (ytd only)* | 24.6479% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 3,030 |
| Loan loss allowance to noncurrent loans | 142.1384% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 3,215 |
| Noncurrent loans to loans | 0.9432% | 2,768 |
| Net loans and leases to total assets | 75.7090% | 1,407 |
| Net loans and leases to deposits | 95.9748% | 968 |
| Net loans and leases to core deposits | 99.4558% | 1,539 |
| Total domestic deposits to total assets | 78.8842% | 5,118 |
| Equity capital to assets | 20.0414% | 224 |
| Core capital (leverage) ratio | 19.9482% | 208 |
| Tier 1 risk-based capital ratio | 34.6801% | 373 |
| Total risk-based capital ratio | 35.9400% | 371 |
| Memoranda: | ||
| Average total assets | $44,038,670 | 5,820 |
| Average earning assets | $40,025,330 | 5,812 |
| Average equity | $8,685,670 | 5,014 |
| Average total loans | $33,203,330 | 5,355 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 741 |
| Cost of funding earning assets | 0.5540% | 1,806 |
| Net interest margin | 4.3214% | 842 |
| Noninterest income to average assets | 0.5171% | 3,171 |
| Noninterest expense to average assets | 2.7126% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1431% | 1,720 |
| Return on assets (ROA) | 1.1431% | 1,826 |
| Pretax return on assets | 1.6965% | 1,058 |
| Return on Equity (ROE) | 5.8428% | 4,115 |
| Retained earnings to average equity (ytd only) | 3.6633% | 3,810 |
| Net charge-offs to loans | -0.0121% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5226% | 4,875 |
| Assets per employee ($millions) | 3.3976% | 5,085 |
| Cash dividends to net income (ytd only)* | 37.3016% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 2,834 |
| Loan loss allowance to noncurrent loans | 369.0476% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 4,632 |
| Noncurrent loans to loans | 0.3846% | 4,440 |
| Net loans and leases to total assets | 73.1214% | 1,635 |
| Net loans and leases to deposits | 92.0798% | 1,176 |
| Net loans and leases to core deposits | 95.3417% | 1,665 |
| Total domestic deposits to total assets | 79.4109% | 5,192 |
| Equity capital to assets | 19.6359% | 240 |
| Core capital (leverage) ratio | 19.6727% | 222 |
| Tier 1 risk-based capital ratio | 35.3525% | 351 |
| Total risk-based capital ratio | 36.6065% | 349 |
| Memoranda: | ||
| Average total assets | $44,091,000 | 5,867 |
| Average earning assets | $39,709,500 | 5,877 |
| Average equity | $8,626,000 | 5,072 |
| Average total loans | $32,948,000 | 5,404 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 791 |
| Cost of funding earning assets | 0.6105% | 1,677 |
| Net interest margin | 4.3794% | 914 |
| Noninterest income to average assets | 0.3752% | 4,381 |
| Noninterest expense to average assets | 2.4480% | 4,710 |
| Loan and lease loss provision to assets | -0.0510% | 6,044 |
| Net operating income to assets | 1.3919% | 1,099 |
| Return on assets (ROA) | 1.3919% | 1,132 |
| Pretax return on assets | 1.9987% | 513 |
| Return on Equity (ROE) | 7.2455% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.7747% | 2,080 |
| Net charge-offs to loans | 0.0156% | 4,567 |
| Credit loss provision to net charge-offs | -440.0000% | 5,765 |
| Earnings coverage of net charge-offs (x) | 168.2000% | 317 |
| Efficiency ratio | 55.6902% | 5,699 |
| Assets per employee ($millions) | 3.6678% | 4,589 |
| Cash dividends to net income (ytd only)* | 20.2995% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 2,950 |
| Loan loss allowance to noncurrent loans | 158.9041% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 3,410 |
| Noncurrent loans to loans | 0.8813% | 3,116 |
| Net loans and leases to total assets | 74.2281% | 1,551 |
| Net loans and leases to deposits | 93.2416% | 1,157 |
| Net loans and leases to core deposits | 96.5426% | 1,677 |
| Total domestic deposits to total assets | 79.6083% | 5,119 |
| Equity capital to assets | 19.4920% | 247 |
| Core capital (leverage) ratio | 19.5709% | 226 |
| Tier 1 risk-based capital ratio | 34.8011% | 344 |
| Total risk-based capital ratio | 36.0552% | 340 |
| Memoranda: | ||
| Average total assets | $43,178,000 | 5,948 |
| Average earning assets | $39,640,400 | 5,928 |
| Average equity | $8,294,800 | 5,130 |
| Average total loans | $32,060,600 | 5,483 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 779 |
| Cost of funding earning assets | 0.6187% | 1,688 |
| Net interest margin | 4.3744% | 923 |
| Noninterest income to average assets | 0.3631% | 4,523 |
| Noninterest expense to average assets | 2.6344% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1729% | 1,782 |
| Return on assets (ROA) | 1.1729% | 1,858 |
| Pretax return on assets | 1.7656% | 951 |
| Return on Equity (ROE) | 6.1285% | 4,168 |
| Retained earnings to average equity (ytd only) | 4.6045% | 3,359 |
| Net charge-offs to loans | 0.0503% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 47.4156% | 1,010 |
| Efficiency ratio | 59.8731% | 5,199 |
| Assets per employee ($millions) | 3.1004% | 5,593 |
| Cash dividends to net income (ytd only)* | 24.8676% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 2,894 |
| Loan loss allowance to noncurrent loans | 443.5185% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 5,039 |
| Noncurrent loans to loans | 0.3298% | 4,917 |
| Net loans and leases to total assets | 74.3532% | 1,464 |
| Net loans and leases to deposits | 93.2153% | 1,103 |
| Net loans and leases to core deposits | 96.5246% | 1,634 |
| Total domestic deposits to total assets | 79.7650% | 5,155 |
| Equity capital to assets | 19.2973% | 256 |
| Core capital (leverage) ratio | 19.2250% | 239 |
| Tier 1 risk-based capital ratio | 34.3457% | 378 |
| Total risk-based capital ratio | 35.6080% | 370 |
| Memoranda: | ||
| Average total assets | $42,969,250 | 6,023 |
| Average earning assets | $39,654,000 | 5,999 |
| Average equity | $8,223,750 | 5,186 |
| Average total loans | $31,792,250 | 5,546 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 843 |
| Cost of funding earning assets | 0.6258% | 1,676 |
| Net interest margin | 4.3099% | 1,004 |
| Noninterest income to average assets | 0.3503% | 4,626 |
| Noninterest expense to average assets | 2.6527% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1115% | 1,892 |
| Return on assets (ROA) | 1.1115% | 1,963 |
| Pretax return on assets | 1.6860% | 1,050 |
| Return on Equity (ROE) | 5.8241% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.2090% | 3,490 |
| Net charge-offs to loans | 0.0826% | 2,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 27.7692% | 1,329 |
| Efficiency ratio | 61.1410% | 5,126 |
| Assets per employee ($millions) | 2.8743% | 5,924 |
| Cash dividends to net income (ytd only)* | 27.7311% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 3,007 |
| Loan loss allowance to noncurrent loans | 356.7164% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 5,126 |
| Noncurrent loans to loans | 0.4137% | 4,747 |
| Net loans and leases to total assets | 74.0114% | 1,443 |
| Net loans and leases to deposits | 92.7185% | 1,075 |
| Net loans and leases to core deposits | 96.0248% | 1,597 |
| Total domestic deposits to total assets | 79.8237% | 5,281 |
| Equity capital to assets | 19.1952% | 250 |
| Core capital (leverage) ratio | 19.3422% | 224 |
| Tier 1 risk-based capital ratio | 34.3126% | 366 |
| Total risk-based capital ratio | 35.5699% | 359 |
| Memoranda: | ||
| Average total assets | $42,824,000 | 6,082 |
| Average earning assets | $39,629,330 | 6,055 |
| Average equity | $8,173,000 | 5,221 |
| Average total loans | $31,472,330 | 5,609 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 854 |
| Cost of funding earning assets | 0.6317% | 1,717 |
| Net interest margin | 4.2792% | 1,041 |
| Noninterest income to average assets | 0.3093% | 4,892 |
| Noninterest expense to average assets | 2.6524% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0685% | 1,934 |
| Return on assets (ROA) | 1.0685% | 1,998 |
| Pretax return on assets | 1.5933% | 1,185 |
| Return on Equity (ROE) | 5.6147% | 4,224 |
| Retained earnings to average equity (ytd only) | 3.6939% | 3,915 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4724% | 5,064 |
| Assets per employee ($millions) | 3.0666% | 5,744 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 2,779 |
| Loan loss allowance to noncurrent loans | 343.3566% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 5,148 |
| Noncurrent loans to loans | 0.4608% | 4,774 |
| Net loans and leases to total assets | 71.1474% | 1,706 |
| Net loans and leases to deposits | 88.9410% | 1,257 |
| Net loans and leases to core deposits | 91.3946% | 1,787 |
| Total domestic deposits to total assets | 79.9939% | 5,481 |
| Equity capital to assets | 19.0208% | 257 |
| Core capital (leverage) ratio | 19.2735% | 234 |
| Tier 1 risk-based capital ratio | 34.9726% | 353 |
| Total risk-based capital ratio | 36.2310% | 346 |
| Memoranda: | ||
| Average total assets | $42,678,500 | 6,151 |
| Average earning assets | $39,260,000 | 6,120 |
| Average equity | $8,121,500 | 5,255 |
| Average total loans | $31,014,500 | 5,675 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 953 |
| Cost of funding earning assets | 0.7164% | 1,702 |
| Net interest margin | 4.2614% | 1,193 |
| Noninterest income to average assets | 0.4706% | 3,957 |
| Noninterest expense to average assets | 2.4771% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3866% | 1,052 |
| Return on assets (ROA) | 1.3866% | 1,091 |
| Pretax return on assets | 1.9812% | 504 |
| Return on Equity (ROE) | 7.7204% | 3,186 |
| Retained earnings to average equity (ytd only) | 6.1866% | 1,861 |
| Net charge-offs to loans | -0.0451% | 6,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5613% | 5,992 |
| Assets per employee ($millions) | 3.0304% | 5,784 |
| Cash dividends to net income (ytd only)* | 19.8675% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 2,822 |
| Loan loss allowance to noncurrent loans | 87.8354% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 2,782 |
| Noncurrent loans to loans | 1.8036% | 2,230 |
| Net loans and leases to total assets | 71.8963% | 1,700 |
| Net loans and leases to deposits | 89.9552% | 1,241 |
| Net loans and leases to core deposits | 93.1842% | 1,663 |
| Total domestic deposits to total assets | 79.9246% | 5,459 |
| Equity capital to assets | 19.0383% | 258 |
| Core capital (leverage) ratio | 19.0943% | 233 |
| Tier 1 risk-based capital ratio | 34.8590% | 338 |
| Total risk-based capital ratio | 36.1206% | 331 |
| Memoranda: | ||
| Average total assets | $43,559,600 | 6,187 |
| Average earning assets | $40,761,400 | 6,150 |
| Average equity | $7,823,400 | 5,388 |
| Average total loans | $31,026,400 | 5,709 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 1,042 |
| Cost of funding earning assets | 0.7368% | 1,689 |
| Net interest margin | 4.2053% | 1,314 |
| Noninterest income to average assets | 0.4622% | 4,059 |
| Noninterest expense to average assets | 2.5484% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1313% | 1,877 |
| Return on assets (ROA) | 1.1313% | 1,952 |
| Pretax return on assets | 1.8368% | 830 |
| Return on Equity (ROE) | 6.3916% | 3,982 |
| Retained earnings to average equity (ytd only) | 4.8108% | 3,225 |
| Net charge-offs to loans | -0.0602% | 6,368 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1137% | 5,668 |
| Assets per employee ($millions) | 2.7094% | 6,270 |
| Cash dividends to net income (ytd only)* | 24.7303% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,037 |
| Loan loss allowance to noncurrent loans | 253.6082% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 5,089 |
| Noncurrent loans to loans | 0.6273% | 4,630 |
| Net loans and leases to total assets | 70.2053% | 1,927 |
| Net loans and leases to deposits | 86.8823% | 1,506 |
| Net loans and leases to core deposits | 89.8368% | 1,984 |
| Total domestic deposits to total assets | 80.8051% | 5,266 |
| Equity capital to assets | 18.1707% | 310 |
| Core capital (leverage) ratio | 17.8109% | 317 |
| Tier 1 risk-based capital ratio | 33.7539% | 378 |
| Total risk-based capital ratio | 35.0156% | 371 |
| Memoranda: | ||
| Average total assets | $43,843,250 | 6,247 |
| Average earning assets | $40,899,500 | 6,214 |
| Average equity | $7,760,000 | 5,455 |
| Average total loans | $31,034,750 | 5,763 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 983 |
| Cost of funding earning assets | 0.7613% | 1,641 |
| Net interest margin | 4.1967% | 1,281 |
| Noninterest income to average assets | 0.4636% | 4,070 |
| Noninterest expense to average assets | 2.4632% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2089% | 1,573 |
| Return on assets (ROA) | 1.2089% | 1,674 |
| Pretax return on assets | 1.9088% | 741 |
| Return on Equity (ROE) | 6.8903% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.2325% | 2,902 |
| Net charge-offs to loans | -0.0901% | 6,475 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3410% | 5,925 |
| Assets per employee ($millions) | 2.7769% | 6,185 |
| Cash dividends to net income (ytd only)* | 24.0602% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 3,242 |
| Loan loss allowance to noncurrent loans | 546.6667% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 5,886 |
| Noncurrent loans to loans | 0.2881% | 5,581 |
| Net loans and leases to total assets | 69.1994% | 2,034 |
| Net loans and leases to deposits | 84.9126% | 1,697 |
| Net loans and leases to core deposits | 87.6954% | 2,142 |
| Total domestic deposits to total assets | 81.4949% | 5,217 |
| Equity capital to assets | 17.5553% | 359 |
| Core capital (leverage) ratio | 17.6831% | 307 |
| Tier 1 risk-based capital ratio | 33.4189% | 392 |
| Total risk-based capital ratio | 34.7147% | 383 |
| Memoranda: | ||
| Average total assets | $44,007,670 | 6,286 |
| Average earning assets | $40,984,670 | 6,257 |
| Average equity | $7,721,000 | 5,507 |
| Average total loans | $31,071,000 | 5,801 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 935 |
| Cost of funding earning assets | 0.7822% | 1,631 |
| Net interest margin | 4.1945% | 1,200 |
| Noninterest income to average assets | 0.5023% | 3,752 |
| Noninterest expense to average assets | 2.4660% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2604% | 1,373 |
| Return on assets (ROA) | 1.2604% | 1,474 |
| Pretax return on assets | 1.9545% | 649 |
| Return on Equity (ROE) | 7.1861% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.2073% | 3,108 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7851% | 6,079 |
| Assets per employee ($millions) | 3.6599% | 4,642 |
| Cash dividends to net income (ytd only)* | 27.5362% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,649 |
| Loan loss allowance to noncurrent loans | 265.5556% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 5,371 |
| Noncurrent loans to loans | 0.5811% | 4,990 |
| Net loans and leases to total assets | 69.4415% | 1,764 |
| Net loans and leases to deposits | 85.1281% | 1,455 |
| Net loans and leases to core deposits | 87.9234% | 1,918 |
| Total domestic deposits to total assets | 81.5729% | 5,331 |
| Equity capital to assets | 17.5892% | 363 |
| Core capital (leverage) ratio | 17.7203% | 302 |
| Tier 1 risk-based capital ratio | 32.3299% | 439 |
| Total risk-based capital ratio | 33.5877% | 430 |
| Memoranda: | ||
| Average total assets | $43,796,000 | 6,352 |
| Average earning assets | $40,911,000 | 6,312 |
| Average equity | $7,681,500 | 5,586 |
| Average total loans | $30,987,500 | 5,845 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 880 |
| Cost of funding earning assets | 0.9278% | 1,771 |
| Net interest margin | 4.3994% | 1,161 |
| Noninterest income to average assets | 0.5366% | 3,672 |
| Noninterest expense to average assets | 2.4012% | 5,402 |
| Loan and lease loss provision to assets | 0.0250% | 5,578 |
| Net operating income to assets | 1.4439% | 1,015 |
| Return on assets (ROA) | 1.4439% | 1,138 |
| Pretax return on assets | 2.1215% | 475 |
| Return on Equity (ROE) | 8.6242% | 2,817 |
| Retained earnings to average equity (ytd only) | 7.0488% | 1,546 |
| Net charge-offs to loans | 0.0125% | 5,744 |
| Credit loss provision to net charge-offs | 275.0000% | 875 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 177 |
| Efficiency ratio | 52.8000% | 6,392 |
| Assets per employee ($millions) | 3.3595% | 5,307 |
| Cash dividends to net income (ytd only)* | 18.2677% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 3,560 |
| Loan loss allowance to noncurrent loans | 191.9679% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 5,062 |
| Noncurrent loans to loans | 0.8033% | 4,583 |
| Net loans and leases to total assets | 69.8853% | 1,863 |
| Net loans and leases to deposits | 85.5409% | 1,573 |
| Net loans and leases to core deposits | 88.3540% | 2,045 |
| Total domestic deposits to total assets | 81.6981% | 5,196 |
| Equity capital to assets | 17.4891% | 367 |
| Core capital (leverage) ratio | 17.3210% | 326 |
| Tier 1 risk-based capital ratio | 32.0369% | 430 |
| Total risk-based capital ratio | 33.2997% | 424 |
| Memoranda: | ||
| Average total assets | $43,977,600 | 6,375 |
| Average earning assets | $40,096,600 | 6,360 |
| Average equity | $7,363,000 | 5,676 |
| Average total loans | $32,012,200 | 5,852 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 803 |
| Cost of funding earning assets | 0.9574% | 1,807 |
| Net interest margin | 4.4591% | 1,075 |
| Noninterest income to average assets | 0.5417% | 3,660 |
| Noninterest expense to average assets | 2.4394% | 5,275 |
| Loan and lease loss provision to assets | 0.0333% | 5,358 |
| Net operating income to assets | 1.3952% | 1,237 |
| Return on assets (ROA) | 1.3952% | 1,363 |
| Pretax return on assets | 2.1004% | 573 |
| Return on Equity (ROE) | 8.4265% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.7814% | 2,237 |
| Net charge-offs to loans | 0.0165% | 5,455 |
| Credit loss provision to net charge-offs | 275.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 176.3565% | 257 |
| Efficiency ratio | 53.3422% | 6,316 |
| Assets per employee ($millions) | 3.4057% | 5,195 |
| Cash dividends to net income (ytd only)* | 19.5233% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 3,849 |
| Loan loss allowance to noncurrent loans | 176.3838% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 5,142 |
| Noncurrent loans to loans | 0.8634% | 4,693 |
| Net loans and leases to total assets | 69.8107% | 1,948 |
| Net loans and leases to deposits | 84.4666% | 1,808 |
| Net loans and leases to core deposits | 87.1065% | 2,333 |
| Total domestic deposits to total assets | 82.6490% | 4,779 |
| Equity capital to assets | 16.9016% | 475 |
| Core capital (leverage) ratio | 16.7159% | 401 |
| Tier 1 risk-based capital ratio | 31.3124% | 469 |
| Total risk-based capital ratio | 32.5711% | 465 |
| Memoranda: | ||
| Average total assets | $44,053,750 | 6,447 |
| Average earning assets | $39,827,750 | 6,443 |
| Average equity | $7,294,250 | 5,748 |
| Average total loans | $32,265,500 | 5,913 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 769 |
| Cost of funding earning assets | 0.9898% | 1,827 |
| Net interest margin | 4.4792% | 1,032 |
| Noninterest income to average assets | 0.5366% | 3,672 |
| Noninterest expense to average assets | 2.4465% | 5,305 |
| Loan and lease loss provision to assets | 0.0500% | 5,047 |
| Net operating income to assets | 1.3688% | 1,261 |
| Return on assets (ROA) | 1.3688% | 1,421 |
| Pretax return on assets | 2.0737% | 604 |
| Return on Equity (ROE) | 8.3249% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.5548% | 2,357 |
| Net charge-offs to loans | 0.0369% | 4,861 |
| Credit loss provision to net charge-offs | 183.3333% | 1,549 |
| Earnings coverage of net charge-offs (x) | 77.8333% | 524 |
| Efficiency ratio | 53.5323% | 6,362 |
| Assets per employee ($millions) | 3.4594% | 5,072 |
| Cash dividends to net income (ytd only)* | 21.2625% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 4,104 |
| Loan loss allowance to noncurrent loans | 180.3030% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 5,299 |
| Noncurrent loans to loans | 0.8216% | 4,873 |
| Net loans and leases to total assets | 70.3882% | 1,854 |
| Net loans and leases to deposits | 84.9115% | 1,729 |
| Net loans and leases to core deposits | 87.5076% | 2,254 |
| Total domestic deposits to total assets | 82.8960% | 4,794 |
| Equity capital to assets | 16.3479% | 528 |
| Core capital (leverage) ratio | 16.5347% | 409 |
| Tier 1 risk-based capital ratio | 30.5137% | 498 |
| Total risk-based capital ratio | 31.7959% | 489 |
| Memoranda: | ||
| Average total assets | $43,980,330 | 6,491 |
| Average earning assets | $39,605,330 | 6,490 |
| Average equity | $7,231,330 | 5,776 |
| Average total loans | $32,558,670 | 5,934 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4981% | 756 |
| Cost of funding earning assets | 1.0033% | 1,962 |
| Net interest margin | 4.4948% | 1,020 |
| Noninterest income to average assets | 0.4691% | 4,147 |
| Noninterest expense to average assets | 2.4652% | 5,269 |
| Loan and lease loss provision to assets | 0.0644% | 4,619 |
| Net operating income to assets | 1.3430% | 1,340 |
| Return on assets (ROA) | 1.3430% | 1,499 |
| Pretax return on assets | 2.0605% | 674 |
| Return on Equity (ROE) | 8.1439% | 3,219 |
| Retained earnings to average equity (ytd only) | 6.0243% | 2,943 |
| Net charge-offs to loans | 0.1221% | 3,378 |
| Credit loss provision to net charge-offs | 70.0000% | 2,912 |
| Earnings coverage of net charge-offs (x) | 23.1000% | 1,101 |
| Efficiency ratio | 53.7074% | 6,379 |
| Assets per employee ($millions) | 3.1731% | 5,824 |
| Cash dividends to net income (ytd only)* | 26.0274% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 4,474 |
| Loan loss allowance to noncurrent loans | 2,752.9412% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 6,810 |
| Noncurrent loans to loans | 0.0519% | 6,624 |
| Net loans and leases to total assets | 72.6493% | 1,284 |
| Net loans and leases to deposits | 87.6722% | 1,210 |
| Net loans and leases to core deposits | 90.3575% | 1,816 |
| Total domestic deposits to total assets | 82.8647% | 4,984 |
| Equity capital to assets | 16.2618% | 537 |
| Core capital (leverage) ratio | 16.5172% | 410 |
| Tier 1 risk-based capital ratio | 29.4777% | 549 |
| Total risk-based capital ratio | 30.7384% | 537 |
| Memoranda: | ||
| Average total assets | $43,484,500 | 6,546 |
| Average earning assets | $39,868,000 | 6,532 |
| Average equity | $7,171,000 | 5,815 |
| Average total loans | $32,772,500 | 5,965 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6877% | 798 |
| Cost of funding earning assets | 1.1087% | 2,613 |
| Net interest margin | 4.5791% | 961 |
| Noninterest income to average assets | 0.6263% | 3,030 |
| Noninterest expense to average assets | 2.4731% | 5,560 |
| Loan and lease loss provision to assets | 0.0619% | 5,837 |
| Net operating income to assets | 1.5417% | 756 |
| Return on assets (ROA) | 1.5417% | 823 |
| Pretax return on assets | 2.2414% | 338 |
| Return on Equity (ROE) | 9.8858% | 2,097 |
| Retained earnings to average equity (ytd only) | 8.7972% | 857 |
| Net charge-offs to loans | -0.0091% | 6,878 |
| Credit loss provision to net charge-offs | -900.0000% | 6,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7771% | 6,716 |
| Assets per employee ($millions) | 3.2728% | 5,573 |
| Cash dividends to net income (ytd only)* | 11.0119% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 4,306 |
| Loan loss allowance to noncurrent loans | 76.2136% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 3,805 |
| Noncurrent loans to loans | 1.8839% | 3,360 |
| Net loans and leases to total assets | 75.9954% | 953 |
| Net loans and leases to deposits | 92.2798% | 944 |
| Net loans and leases to core deposits | 96.4214% | 1,460 |
| Total domestic deposits to total assets | 82.3532% | 5,009 |
| Equity capital to assets | 16.7301% | 486 |
| Core capital (leverage) ratio | 16.6109% | 404 |
| Tier 1 risk-based capital ratio | 29.8401% | 523 |
| Total risk-based capital ratio | 31.1022% | 513 |
| Memoranda: | ||
| Average total assets | $43,589,000 | 6,549 |
| Average earning assets | $39,506,000 | 6,550 |
| Average equity | $6,797,600 | 5,921 |
| Average total loans | $33,060,800 | 6,010 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7001% | 851 |
| Cost of funding earning assets | 1.1427% | 2,678 |
| Net interest margin | 4.5574% | 1,025 |
| Noninterest income to average assets | 0.6507% | 2,877 |
| Noninterest expense to average assets | 2.4142% | 5,724 |
| Loan and lease loss provision to assets | 0.0608% | 5,686 |
| Net operating income to assets | 1.5325% | 878 |
| Return on assets (ROA) | 1.5325% | 948 |
| Pretax return on assets | 2.2744% | 375 |
| Return on Equity (ROE) | 10.0034% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.0111% | 1,138 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8323% | 6,777 |
| Assets per employee ($millions) | 3.2830% | 5,510 |
| Cash dividends to net income (ytd only)* | 9.9214% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 4,549 |
| Loan loss allowance to noncurrent loans | 75.5738% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 3,977 |
| Noncurrent loans to loans | 1.8573% | 3,556 |
| Net loans and leases to total assets | 75.8734% | 995 |
| Net loans and leases to deposits | 91.6299% | 1,043 |
| Net loans and leases to core deposits | 94.9118% | 1,712 |
| Total domestic deposits to total assets | 82.8042% | 4,757 |
| Equity capital to assets | 16.3078% | 581 |
| Core capital (leverage) ratio | 15.9108% | 514 |
| Tier 1 risk-based capital ratio | 29.2730% | 586 |
| Total risk-based capital ratio | 30.5534% | 569 |
| Memoranda: | ||
| Average total assets | $43,849,750 | 6,601 |
| Average earning assets | $39,437,000 | 6,611 |
| Average equity | $6,717,500 | 5,994 |
| Average total loans | $33,125,000 | 6,065 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7527% | 790 |
| Cost of funding earning assets | 1.1862% | 2,671 |
| Net interest margin | 4.5665% | 974 |
| Noninterest income to average assets | 0.6510% | 2,829 |
| Noninterest expense to average assets | 2.3870% | 5,881 |
| Loan and lease loss provision to assets | 0.0633% | 5,510 |
| Net operating income to assets | 1.5099% | 868 |
| Return on assets (ROA) | 1.5099% | 929 |
| Pretax return on assets | 2.2559% | 381 |
| Return on Equity (ROE) | 10.0653% | 2,097 |
| Retained earnings to average equity (ytd only) | 8.5585% | 1,247 |
| Net charge-offs to loans | -0.0181% | 6,798 |
| Credit loss provision to net charge-offs | -466.6667% | 6,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7205% | 6,893 |
| Assets per employee ($millions) | 3.4039% | 5,186 |
| Cash dividends to net income (ytd only)* | 14.9701% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 4,596 |
| Loan loss allowance to noncurrent loans | 78.2906% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.3220% | 4,261 |
| Noncurrent loans to loans | 1.7823% | 3,776 |
| Net loans and leases to total assets | 73.1396% | 1,567 |
| Net loans and leases to deposits | 87.2207% | 1,621 |
| Net loans and leases to core deposits | 90.8313% | 2,277 |
| Total domestic deposits to total assets | 83.8557% | 4,410 |
| Equity capital to assets | 15.3352% | 736 |
| Core capital (leverage) ratio | 15.1781% | 635 |
| Tier 1 risk-based capital ratio | 28.5973% | 620 |
| Total risk-based capital ratio | 29.8545% | 606 |
| Memoranda: | ||
| Average total assets | $44,240,000 | 6,641 |
| Average earning assets | $39,286,000 | 6,669 |
| Average equity | $6,636,670 | 6,041 |
| Average total loans | $33,219,000 | 6,122 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 665 |
| Cost of funding earning assets | 1.2603% | 2,427 |
| Net interest margin | 4.5933% | 873 |
| Noninterest income to average assets | 0.7325% | 2,377 |
| Noninterest expense to average assets | 2.4054% | 5,870 |
| Loan and lease loss provision to assets | 0.0633% | 5,200 |
| Net operating income to assets | 1.4920% | 889 |
| Return on assets (ROA) | 1.4920% | 934 |
| Pretax return on assets | 2.2516% | 366 |
| Return on Equity (ROE) | 10.0579% | 2,073 |
| Retained earnings to average equity (ytd only) | 8.5340% | 1,545 |
| Net charge-offs to loans | -0.0359% | 6,769 |
| Credit loss provision to net charge-offs | -233.3333% | 5,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9579% | 6,923 |
| Assets per employee ($millions) | 3.4345% | 5,153 |
| Cash dividends to net income (ytd only)* | 15.1515% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,853 |
| Loan loss allowance to noncurrent loans | 433.6538% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 6,594 |
| Noncurrent loans to loans | 0.3137% | 6,364 |
| Net loans and leases to total assets | 73.2418% | 1,474 |
| Net loans and leases to deposits | 86.9430% | 1,599 |
| Net loans and leases to core deposits | 90.4692% | 2,301 |
| Total domestic deposits to total assets | 84.2412% | 4,393 |
| Equity capital to assets | 14.8584% | 794 |
| Core capital (leverage) ratio | 15.0430% | 659 |
| Tier 1 risk-based capital ratio | 26.9902% | 709 |
| Total risk-based capital ratio | 28.2309% | 692 |
| Memoranda: | ||
| Average total assets | $44,234,500 | 6,685 |
| Average earning assets | $38,403,500 | 6,746 |
| Average equity | $6,562,000 | 6,071 |
| Average total loans | $33,417,000 | 6,159 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9755% | 889 |
| Cost of funding earning assets | 1.4250% | 3,106 |
| Net interest margin | 4.5505% | 1,132 |
| Noninterest income to average assets | 0.5356% | 3,917 |
| Noninterest expense to average assets | 2.4104% | 6,072 |
| Loan and lease loss provision to assets | 0.0704% | 6,437 |
| Net operating income to assets | 1.4503% | 853 |
| Return on assets (ROA) | 1.4503% | 922 |
| Pretax return on assets | 2.1063% | 384 |
| Return on Equity (ROE) | 10.2634% | 1,830 |
| Retained earnings to average equity (ytd only) | 8.5930% | 820 |
| Net charge-offs to loans | 0.0880% | 5,962 |
| Credit loss provision to net charge-offs | 106.8966% | 4,168 |
| Earnings coverage of net charge-offs (x) | 33.0690% | 678 |
| Efficiency ratio | 52.5482% | 6,940 |
| Assets per employee ($millions) | 3.3708% | 5,240 |
| Cash dividends to net income (ytd only)* | 16.2754% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,955 |
| Loan loss allowance to noncurrent loans | 197.7578% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 6,009 |
| Noncurrent loans to loans | 0.6621% | 5,722 |
| Net loans and leases to total assets | 75.8563% | 1,302 |
| Net loans and leases to deposits | 89.9061% | 1,537 |
| Net loans and leases to core deposits | 93.6076% | 2,311 |
| Total domestic deposits to total assets | 84.3728% | 4,191 |
| Equity capital to assets | 14.8103% | 833 |
| Core capital (leverage) ratio | 14.7192% | 709 |
| Tier 1 risk-based capital ratio | 26.5949% | 696 |
| Total risk-based capital ratio | 27.8437% | 686 |
| Memoranda: | ||
| Average total assets | $44,059,200 | 6,731 |
| Average earning assets | $39,226,800 | 6,748 |
| Average equity | $6,226,000 | 6,301 |
| Average total loans | $32,948,000 | 6,259 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9614% | 1,008 |
| Cost of funding earning assets | 1.4333% | 3,375 |
| Net interest margin | 4.5281% | 1,199 |
| Noninterest income to average assets | 0.4594% | 4,486 |
| Noninterest expense to average assets | 2.4207% | 5,967 |
| Loan and lease loss provision to assets | 0.0423% | 6,665 |
| Net operating income to assets | 1.3781% | 1,151 |
| Return on assets (ROA) | 1.3781% | 1,234 |
| Pretax return on assets | 2.0731% | 535 |
| Return on Equity (ROE) | 9.8698% | 2,173 |
| Retained earnings to average equity (ytd only) | 8.3765% | 1,284 |
| Net charge-offs to loans | 0.1994% | 4,755 |
| Credit loss provision to net charge-offs | 28.5714% | 6,170 |
| Earnings coverage of net charge-offs (x) | 14.2861% | 1,525 |
| Efficiency ratio | 53.3644% | 6,852 |
| Assets per employee ($millions) | 3.4153% | 5,168 |
| Cash dividends to net income (ytd only)* | 15.1321% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 5,394 |
| Loan loss allowance to noncurrent loans | 135.5705% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 5,272 |
| Noncurrent loans to loans | 0.8989% | 5,446 |
| Net loans and leases to total assets | 73.7562% | 1,846 |
| Net loans and leases to deposits | 87.0352% | 2,145 |
| Net loans and leases to core deposits | 90.4738% | 3,030 |
| Total domestic deposits to total assets | 84.7429% | 3,753 |
| Equity capital to assets | 14.3472% | 1,067 |
| Core capital (leverage) ratio | 14.3412% | 848 |
| Tier 1 risk-based capital ratio | 25.6176% | 803 |
| Total risk-based capital ratio | 26.8852% | 788 |
| Memoranda: | ||
| Average total assets | $44,118,750 | 6,813 |
| Average earning assets | $39,721,500 | 6,807 |
| Average equity | $6,160,000 | 6,402 |
| Average total loans | $32,764,500 | 6,350 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8548% | 1,295 |
| Cost of funding earning assets | 1.4276% | 3,694 |
| Net interest margin | 4.4272% | 1,373 |
| Noninterest income to average assets | 0.4543% | 4,478 |
| Noninterest expense to average assets | 2.4032% | 6,064 |
| Loan and lease loss provision to assets | 0.0409% | 6,559 |
| Net operating income to assets | 1.3810% | 1,123 |
| Return on assets (ROA) | 1.3810% | 1,193 |
| Pretax return on assets | 2.0534% | 546 |
| Return on Equity (ROE) | 9.9836% | 2,112 |
| Retained earnings to average equity (ytd only) | 8.4729% | 1,275 |
| Net charge-offs to loans | 0.3064% | 3,780 |
| Credit loss provision to net charge-offs | 18.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | 9.2200% | 2,043 |
| Efficiency ratio | 53.4343% | 6,941 |
| Assets per employee ($millions) | 3.3958% | 5,193 |
| Cash dividends to net income (ytd only)* | 15.1316% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 5,502 |
| Loan loss allowance to noncurrent loans | 136.7698% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.9083% | 5,303 |
| Noncurrent loans to loans | 0.8710% | 5,526 |
| Net loans and leases to total assets | 74.7814% | 1,742 |
| Net loans and leases to deposits | 87.8870% | 2,190 |
| Net loans and leases to core deposits | 90.5433% | 3,184 |
| Total domestic deposits to total assets | 85.0881% | 3,582 |
| Equity capital to assets | 14.1327% | 1,126 |
| Core capital (leverage) ratio | 14.1788% | 885 |
| Tier 1 risk-based capital ratio | 24.7443% | 867 |
| Total risk-based capital ratio | 25.9980% | 849 |
| Memoranda: | ||
| Average total assets | $44,025,330 | 6,863 |
| Average earning assets | $40,206,330 | 6,837 |
| Average equity | $6,090,000 | 6,441 |
| Average total loans | $32,635,670 | 6,398 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8418% | 1,341 |
| Cost of funding earning assets | 1.4854% | 3,650 |
| Net interest margin | 4.3564% | 1,518 |
| Noninterest income to average assets | 0.4640% | 4,347 |
| Noninterest expense to average assets | 2.4110% | 6,048 |
| Loan and lease loss provision to assets | 0.0637% | 6,007 |
| Net operating income to assets | 1.3101% | 1,275 |
| Return on assets (ROA) | 1.3101% | 1,347 |
| Pretax return on assets | 1.9652% | 644 |
| Return on Equity (ROE) | 9.5753% | 2,261 |
| Retained earnings to average equity (ytd only) | 8.0459% | 1,690 |
| Net charge-offs to loans | -0.0248% | 7,129 |
| Credit loss provision to net charge-offs | -350.0000% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3033% | 6,942 |
| Assets per employee ($millions) | 3.2982% | 5,545 |
| Cash dividends to net income (ytd only)* | 15.9722% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,445 |
| Loan loss allowance to noncurrent loans | 386.2069% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 6,186 |
| Noncurrent loans to loans | 0.3612% | 6,577 |
| Net loans and leases to total assets | 73.8548% | 2,004 |
| Net loans and leases to deposits | 86.9348% | 2,416 |
| Net loans and leases to core deposits | 86.9348% | 3,765 |
| Total domestic deposits to total assets | 84.9543% | 3,697 |
| Equity capital to assets | 14.1898% | 1,098 |
| Core capital (leverage) ratio | 14.0212% | 955 |
| Tier 1 risk-based capital ratio | 25.4809% | 816 |
| Total risk-based capital ratio | 26.7172% | 795 |
| Memoranda: | ||
| Average total assets | $43,965,000 | 6,951 |
| Average earning assets | $40,124,500 | 6,926 |
| Average equity | $6,015,500 | 6,515 |
| Average total loans | $32,248,000 | 6,503 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2093% | 1,218 |
| Cost of funding earning assets | 1.9821% | 3,044 |
| Net interest margin | 4.2272% | 1,982 |
| Noninterest income to average assets | 0.4830% | 4,543 |
| Noninterest expense to average assets | 2.3937% | 6,486 |
| Loan and lease loss provision to assets | 0.0633% | 6,936 |
| Net operating income to assets | 1.3012% | 1,032 |
| Return on assets (ROA) | 1.3012% | 1,077 |
| Pretax return on assets | 1.9061% | 500 |
| Return on Equity (ROE) | 9.6660% | 1,788 |
| Retained earnings to average equity (ytd only) | 7.9766% | 705 |
| Net charge-offs to loans | 0.0063% | 7,151 |
| Credit loss provision to net charge-offs | 1,350.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 69 |
| Efficiency ratio | 54.8630% | 7,146 |
| Assets per employee ($millions) | 3.4657% | 5,088 |
| Cash dividends to net income (ytd only)* | 17.4775% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 4,454 |
| Loan loss allowance to noncurrent loans | 204.1860% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 5,667 |
| Noncurrent loans to loans | 0.6639% | 5,916 |
| Net loans and leases to total assets | 70.8994% | 3,032 |
| Net loans and leases to deposits | 82.4017% | 3,563 |
| Net loans and leases to core deposits | 107.0297% | 3,214 |
| Total domestic deposits to total assets | 86.0412% | 2,998 |
| Equity capital to assets | 13.1997% | 1,433 |
| Core capital (leverage) ratio | 13.4022% | 1,123 |
| Tier 1 risk-based capital ratio | 24.3215% | 918 |
| Total risk-based capital ratio | 25.5745% | 895 |
| Memoranda: | ||
| Average total assets | $42,653,400 | 7,005 |
| Average earning assets | $39,151,000 | 6,971 |
| Average equity | $5,741,800 | 6,700 |
| Average total loans | $31,843,800 | 6,532 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2996% | 1,140 |
| Cost of funding earning assets | 2.0517% | 3,112 |
| Net interest margin | 4.2479% | 1,876 |
| Noninterest income to average assets | 0.4851% | 4,622 |
| Noninterest expense to average assets | 2.5301% | 5,976 |
| Loan and lease loss provision to assets | 0.0634% | 6,725 |
| Net operating income to assets | 1.1826% | 1,507 |
| Return on assets (ROA) | 1.1826% | 1,560 |
| Pretax return on assets | 1.8040% | 795 |
| Return on Equity (ROE) | 8.7395% | 2,358 |
| Retained earnings to average equity (ytd only) | 7.1930% | 1,436 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5342% | 6,784 |
| Assets per employee ($millions) | 3.3355% | 5,291 |
| Cash dividends to net income (ytd only)* | 17.6948% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 4,309 |
| Loan loss allowance to noncurrent loans | 224.8705% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 6,346 |
| Noncurrent loans to loans | 0.5921% | 6,124 |
| Net loans and leases to total assets | 74.1726% | 2,475 |
| Net loans and leases to deposits | 86.6013% | 3,208 |
| Net loans and leases to core deposits | 113.7713% | 2,854 |
| Total domestic deposits to total assets | 85.6484% | 2,891 |
| Equity capital to assets | 13.4406% | 1,523 |
| Core capital (leverage) ratio | 13.3465% | 1,282 |
| Tier 1 risk-based capital ratio | 24.1587% | 987 |
| Total risk-based capital ratio | 25.4191% | 962 |
| Memoranda: | ||
| Average total assets | $42,053,250 | 7,076 |
| Average earning assets | $38,731,750 | 7,043 |
| Average equity | $5,690,500 | 6,784 |
| Average total loans | $31,709,250 | 6,581 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4267% | 951 |
| Cost of funding earning assets | 2.1108% | 3,219 |
| Net interest margin | 4.3159% | 1,608 |
| Noninterest income to average assets | 0.4854% | 4,580 |
| Noninterest expense to average assets | 2.5855% | 5,798 |
| Loan and lease loss provision to assets | 0.0625% | 6,585 |
| Net operating income to assets | 1.1774% | 1,542 |
| Return on assets (ROA) | 1.1774% | 1,623 |
| Pretax return on assets | 1.7973% | 854 |
| Return on Equity (ROE) | 8.6808% | 2,484 |
| Retained earnings to average equity (ytd only) | 7.9013% | 1,244 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1622% | 6,842 |
| Assets per employee ($millions) | 3.3032% | 5,312 |
| Cash dividends to net income (ytd only)* | 8.9796% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,918 |
| Loan loss allowance to noncurrent loans | 126.3314% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 5,430 |
| Noncurrent loans to loans | 1.0790% | 5,044 |
| Net loans and leases to total assets | 71.9529% | 3,239 |
| Net loans and leases to deposits | 83.8799% | 3,902 |
| Net loans and leases to core deposits | 110.6464% | 3,315 |
| Total domestic deposits to total assets | 85.7808% | 2,891 |
| Equity capital to assets | 13.3739% | 1,535 |
| Core capital (leverage) ratio | 13.3176% | 1,323 |
| Tier 1 risk-based capital ratio | 24.7146% | 968 |
| Total risk-based capital ratio | 25.9600% | 952 |
| Memoranda: | ||
| Average total assets | $41,617,330 | 7,148 |
| Average earning assets | $38,184,670 | 7,124 |
| Average equity | $5,644,670 | 6,851 |
| Average total loans | $31,413,670 | 6,646 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3729% | 1,126 |
| Cost of funding earning assets | 2.1314% | 3,510 |
| Net interest margin | 4.2416% | 1,772 |
| Noninterest income to average assets | 0.4883% | 4,420 |
| Noninterest expense to average assets | 2.4905% | 5,872 |
| Loan and lease loss provision to assets | 0.0684% | 6,095 |
| Net operating income to assets | 1.2013% | 1,650 |
| Return on assets (ROA) | 1.2013% | 1,762 |
| Pretax return on assets | 1.8362% | 915 |
| Return on Equity (ROE) | 8.7928% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.7928% | 1,540 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6667% | 6,873 |
| Assets per employee ($millions) | 3.2431% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 3,977 |
| Loan loss allowance to noncurrent loans | 237.8531% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 6,248 |
| Noncurrent loans to loans | 0.5538% | 6,029 |
| Net loans and leases to total assets | 74.8126% | 2,553 |
| Net loans and leases to deposits | 87.2793% | 3,424 |
| Net loans and leases to core deposits | 112.9854% | 3,107 |
| Total domestic deposits to total assets | 85.7163% | 2,862 |
| Equity capital to assets | 13.4179% | 1,564 |
| Core capital (leverage) ratio | 13.8799% | 1,215 |
| Tier 1 risk-based capital ratio | 24.1456% | 1,062 |
| Total risk-based capital ratio | 25.4036% | 1,036 |
| Memoranda: | ||
| Average total assets | $40,955,000 | 7,205 |
| Average earning assets | $37,722,000 | 7,188 |
| Average equity | $5,595,500 | 6,919 |
| Average total loans | $31,458,000 | 6,677 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5686% | 2,630 |
| Cost of funding earning assets | 2.3814% | 4,805 |
| Net interest margin | 4.1872% | 2,360 |
| Noninterest income to average assets | 0.5493% | 4,238 |
| Noninterest expense to average assets | 2.5183% | 5,938 |
| Loan and lease loss provision to assets | 0.0677% | 6,545 |
| Net operating income to assets | 1.3219% | 1,424 |
| Return on assets (ROA) | 1.3219% | 1,374 |
| Pretax return on assets | 1.9414% | 706 |
| Return on Equity (ROE) | 9.9985% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.6001% | 509 |
| Net charge-offs to loans | -0.0033% | 7,766 |
| Credit loss provision to net charge-offs | -2,700.0000% | 7,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6233% | 7,070 |
| Assets per employee ($millions) | 3.0577% | 5,907 |
| Cash dividends to net income (ytd only)* | 3.9848% | 4,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 3,545 |
| Loan loss allowance to noncurrent loans | 222.5806% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 5,819 |
| Noncurrent loans to loans | 0.6009% | 5,572 |
| Net loans and leases to total assets | 76.8302% | 2,420 |
| Net loans and leases to deposits | 90.1257% | 3,433 |
| Net loans and leases to core deposits | 118.2300% | 2,860 |
| Total domestic deposits to total assets | 85.2478% | 2,728 |
| Equity capital to assets | 13.9220% | 1,453 |
| Core capital (leverage) ratio | 13.8150% | 1,309 |
| Tier 1 risk-based capital ratio | 24.5263% | 1,029 |
| Total risk-based capital ratio | 25.8237% | 1,004 |
| Memoranda: | ||
| Average total assets | $39,867,600 | 7,218 |
| Average earning assets | $37,877,000 | 7,150 |
| Average equity | $5,270,800 | 7,057 |
| Average total loans | $30,095,400 | 6,705 |