Home > McKenzie County Bank > Performance and Condition Ratios
McKenzie County Bank, Performance and Condition Ratios
| 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 | 3.9134% | 4,083 |
| Cost of funding earning assets | 0.2684% | 5,121 |
| Net interest margin | 3.6450% | 3,235 |
| Noninterest income to average assets | 0.3582% | 4,537 |
| Noninterest expense to average assets | 2.2138% | 5,319 |
| Loan and lease loss provision to assets | 0.1189% | 2,191 |
| Net operating income to assets | 1.4089% | 1,068 |
| Return on assets (ROA) | 1.4148% | 1,080 |
| Pretax return on assets | 1.4148% | 1,835 |
| Return on Equity (ROE) | 21.7374% | 182 |
| Retained earnings to average equity (ytd only) | -0.7006% | 5,878 |
| Net charge-offs to loans | 0.0062% | 4,806 |
| Credit loss provision to net charge-offs | 3,600.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 462.4000% | 110 |
| Efficiency ratio | 59.1664% | 5,325 |
| Assets per employee ($millions) | 9.7351% | 274 |
| Cash dividends to net income (ytd only)* | 103.2228% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 3,431 |
| Loan loss allowance to noncurrent loans | 103.3432% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 3,849 |
| Noncurrent loans to loans | 1.2571% | 2,350 |
| Net loans and leases to total assets | 45.5693% | 5,364 |
| Net loans and leases to deposits | 48.8066% | 5,642 |
| Net loans and leases to core deposits | 52.4579% | 5,592 |
| Total domestic deposits to total assets | 93.3671% | 52 |
| Equity capital to assets | 5.5270% | 6,435 |
| Core capital (leverage) ratio | 5.6068% | 6,430 |
| Tier 1 risk-based capital ratio | 11.1657% | 5,836 |
| Total risk-based capital ratio | 12.4040% | 5,779 |
| Memoranda: | ||
| Average total assets | $151,325,400 | 3,610 |
| Average earning assets | $140,464,600 | 3,599 |
| Average equity | $9,849,400 | 4,782 |
| Average total loans | $81,244,400 | 3,842 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 3,685 |
| Cost of funding earning assets | 0.2706% | 5,189 |
| Net interest margin | 3.7500% | 2,813 |
| Noninterest income to average assets | 0.3522% | 4,619 |
| Noninterest expense to average assets | 1.9300% | 5,902 |
| Loan and lease loss provision to assets | 0.1238% | 2,018 |
| Net operating income to assets | 1.7686% | 539 |
| Return on assets (ROA) | 1.7686% | 555 |
| Pretax return on assets | 1.7686% | 946 |
| Return on Equity (ROE) | 25.9906% | 86 |
| Retained earnings to average equity (ytd only) | 3.8015% | 3,950 |
| Net charge-offs to loans | 0.0049% | 4,529 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 687.6500% | 113 |
| Efficiency ratio | 50.4920% | 6,076 |
| Assets per employee ($millions) | 9.3123% | 292 |
| Cash dividends to net income (ytd only)* | 85.3735% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 4,028 |
| Loan loss allowance to noncurrent loans | 126.7925% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 4,378 |
| Noncurrent loans to loans | 0.9774% | 3,115 |
| Net loans and leases to total assets | 50.7413% | 4,916 |
| Net loans and leases to deposits | 54.8868% | 5,315 |
| Net loans and leases to core deposits | 59.2394% | 5,245 |
| Total domestic deposits to total assets | 92.4470% | 113 |
| Equity capital to assets | 6.3376% | 6,459 |
| Core capital (leverage) ratio | 6.4426% | 6,441 |
| Tier 1 risk-based capital ratio | 11.6038% | 5,737 |
| Total risk-based capital ratio | 12.7940% | 5,694 |
| Memoranda: | ||
| Average total assets | $145,348,750 | 3,736 |
| Average earning assets | $134,502,750 | 3,714 |
| Average equity | $9,890,500 | 4,810 |
| Average total loans | $81,329,750 | 3,867 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,450 |
| Cost of funding earning assets | 0.2706% | 5,283 |
| Net interest margin | 3.8024% | 2,566 |
| Noninterest income to average assets | 0.3560% | 4,573 |
| Noninterest expense to average assets | 1.9570% | 5,905 |
| Loan and lease loss provision to assets | 0.1276% | 1,935 |
| Net operating income to assets | 1.7982% | 495 |
| Return on assets (ROA) | 1.7982% | 510 |
| Pretax return on assets | 1.7982% | 847 |
| Return on Equity (ROE) | 25.7645% | 96 |
| Retained earnings to average equity (ytd only) | -1.1582% | 5,876 |
| Net charge-offs to loans | 0.0098% | 4,073 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 339.5000% | 203 |
| Efficiency ratio | 50.4018% | 6,154 |
| Assets per employee ($millions) | 8.6935% | 371 |
| Cash dividends to net income (ytd only)* | 104.4953% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 4,706 |
| Loan loss allowance to noncurrent loans | 92.3225% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 3,863 |
| Noncurrent loans to loans | 1.2367% | 2,756 |
| Net loans and leases to total assets | 56.3601% | 4,229 |
| Net loans and leases to deposits | 61.1606% | 4,766 |
| Net loans and leases to core deposits | 65.8034% | 4,661 |
| Total domestic deposits to total assets | 92.1510% | 151 |
| Equity capital to assets | 6.6087% | 6,483 |
| Core capital (leverage) ratio | 6.7332% | 6,473 |
| Tier 1 risk-based capital ratio | 10.7672% | 6,147 |
| Total risk-based capital ratio | 11.8598% | 6,158 |
| Memoranda: | ||
| Average total assets | $141,028,670 | 3,830 |
| Average earning assets | $130,813,000 | 3,789 |
| Average equity | $9,843,000 | 4,838 |
| Average total loans | $81,327,670 | 3,868 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 3,682 |
| Cost of funding earning assets | 0.2784% | 5,299 |
| Net interest margin | 3.7214% | 2,779 |
| Noninterest income to average assets | 0.3545% | 4,541 |
| Noninterest expense to average assets | 2.0080% | 5,869 |
| Loan and lease loss provision to assets | 0.1308% | 1,857 |
| Net operating income to assets | 1.7116% | 562 |
| Return on assets (ROA) | 1.7116% | 580 |
| Pretax return on assets | 1.7116% | 953 |
| Return on Equity (ROE) | 23.8437% | 152 |
| Retained earnings to average equity (ytd only) | 10.3633% | 883 |
| Net charge-offs to loans | 0.0050% | 3,560 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 634.0000% | 49 |
| Efficiency ratio | 52.1509% | 6,127 |
| Assets per employee ($millions) | 8.3231% | 420 |
| Cash dividends to net income (ytd only)* | 56.5365% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 4,879 |
| Loan loss allowance to noncurrent loans | 93.4959% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 4,024 |
| Noncurrent loans to loans | 1.2291% | 2,991 |
| Net loans and leases to total assets | 55.9297% | 4,149 |
| Net loans and leases to deposits | 61.0146% | 4,661 |
| Net loans and leases to core deposits | 65.5224% | 4,546 |
| Total domestic deposits to total assets | 91.6660% | 339 |
| Equity capital to assets | 7.0894% | 6,426 |
| Core capital (leverage) ratio | 7.2016% | 6,424 |
| Tier 1 risk-based capital ratio | 11.7383% | 5,794 |
| Total risk-based capital ratio | 12.8412% | 5,815 |
| Memoranda: | ||
| Average total assets | $137,648,500 | 3,927 |
| Average earning assets | $129,307,000 | 3,852 |
| Average equity | $9,881,000 | 4,846 |
| Average total loans | $79,863,500 | 3,937 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 2,275 |
| Cost of funding earning assets | 0.3084% | 5,532 |
| Net interest margin | 4.1746% | 1,435 |
| Noninterest income to average assets | 0.3725% | 4,651 |
| Noninterest expense to average assets | 2.2575% | 5,485 |
| Loan and lease loss provision to assets | 0.1770% | 2,090 |
| Net operating income to assets | 1.8867% | 409 |
| Return on assets (ROA) | 1.8993% | 413 |
| Pretax return on assets | 1.8513% | 678 |
| Return on Equity (ROE) | 24.8079% | 130 |
| Retained earnings to average equity (ytd only) | 14.3190% | 190 |
| Net charge-offs to loans | -0.0654% | 6,393 |
| Credit loss provision to net charge-offs | -428.5714% | 6,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8298% | 6,228 |
| Assets per employee ($millions) | 7.8709% | 504 |
| Cash dividends to net income (ytd only)* | 42.2804% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,149 |
| Loan loss allowance to noncurrent loans | 604.1379% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 6,006 |
| Noncurrent loans to loans | 0.1820% | 5,656 |
| Net loans and leases to total assets | 58.8879% | 3,892 |
| Net loans and leases to deposits | 64.4255% | 4,465 |
| Net loans and leases to core deposits | 70.5347% | 4,240 |
| Total domestic deposits to total assets | 91.4047% | 434 |
| Equity capital to assets | 7.2725% | 6,373 |
| Core capital (leverage) ratio | 7.4174% | 6,406 |
| Tier 1 risk-based capital ratio | 11.6714% | 5,815 |
| Total risk-based capital ratio | 12.7436% | 5,851 |
| Memoranda: | ||
| Average total assets | $118,672,400 | 4,297 |
| Average earning assets | $110,886,200 | 4,241 |
| Average equity | $9,085,800 | 5,059 |
| Average total loans | $74,900,400 | 4,098 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 2,166 |
| Cost of funding earning assets | 0.3113% | 5,633 |
| Net interest margin | 4.2055% | 1,313 |
| Noninterest income to average assets | 0.3818% | 4,662 |
| Noninterest expense to average assets | 2.3141% | 5,295 |
| Loan and lease loss provision to assets | 0.1915% | 1,914 |
| Net operating income to assets | 1.8615% | 464 |
| Return on assets (ROA) | 1.8789% | 462 |
| Pretax return on assets | 1.8127% | 876 |
| Return on Equity (ROE) | 24.1875% | 136 |
| Retained earnings to average equity (ytd only) | 9.9499% | 799 |
| Net charge-offs to loans | -0.0163% | 6,003 |
| Credit loss provision to net charge-offs | -1,833.3333% | 6,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8046% | 6,120 |
| Assets per employee ($millions) | 7.0326% | 736 |
| Cash dividends to net income (ytd only)* | 58.8633% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 5,567 |
| Loan loss allowance to noncurrent loans | 2,636.6667% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 6,404 |
| Noncurrent loans to loans | 0.0394% | 6,223 |
| Net loans and leases to total assets | 63.1020% | 3,147 |
| Net loans and leases to deposits | 69.5206% | 3,852 |
| Net loans and leases to core deposits | 75.3724% | 3,691 |
| Total domestic deposits to total assets | 90.7674% | 628 |
| Equity capital to assets | 7.6802% | 6,313 |
| Core capital (leverage) ratio | 7.6020% | 6,407 |
| Tier 1 risk-based capital ratio | 11.6618% | 5,970 |
| Total risk-based capital ratio | 12.6982% | 6,044 |
| Memoranda: | ||
| Average total assets | $114,889,250 | 4,435 |
| Average earning assets | $107,064,000 | 4,382 |
| Average equity | $8,924,500 | 5,155 |
| Average total loans | $73,707,750 | 4,171 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 2,263 |
| Cost of funding earning assets | 0.3112% | 5,746 |
| Net interest margin | 4.1722% | 1,353 |
| Noninterest income to average assets | 0.3776% | 4,684 |
| Noninterest expense to average assets | 2.1670% | 5,711 |
| Loan and lease loss provision to assets | 0.2118% | 1,790 |
| Net operating income to assets | 2.0029% | 357 |
| Return on assets (ROA) | 2.0294% | 362 |
| Pretax return on assets | 1.9288% | 701 |
| Return on Equity (ROE) | 26.0220% | 111 |
| Retained earnings to average equity (ytd only) | 12.8526% | 401 |
| Net charge-offs to loans | -0.0192% | 5,957 |
| Credit loss provision to net charge-offs | -1,714.2857% | 6,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6183% | 6,379 |
| Assets per employee ($millions) | 6.9176% | 748 |
| Cash dividends to net income (ytd only)* | 50.6087% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 5,841 |
| Loan loss allowance to noncurrent loans | 14,880.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,559 |
| Noncurrent loans to loans | 0.0067% | 6,421 |
| Net loans and leases to total assets | 66.8428% | 2,441 |
| Net loans and leases to deposits | 74.0986% | 3,135 |
| Net loans and leases to core deposits | 81.5941% | 2,841 |
| Total domestic deposits to total assets | 90.2080% | 902 |
| Equity capital to assets | 8.1468% | 6,100 |
| Core capital (leverage) ratio | 7.7970% | 6,310 |
| Tier 1 risk-based capital ratio | 11.9901% | 5,798 |
| Total risk-based capital ratio | 13.0034% | 5,910 |
| Memoranda: | ||
| Average total assets | $113,334,330 | 4,499 |
| Average earning assets | $106,036,330 | 4,432 |
| Average equity | $8,838,670 | 5,218 |
| Average total loans | $72,866,330 | 4,216 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 2,977 |
| Cost of funding earning assets | 0.3015% | 5,958 |
| Net interest margin | 3.9786% | 1,868 |
| Noninterest income to average assets | 0.3733% | 4,687 |
| Noninterest expense to average assets | 2.1141% | 5,885 |
| Loan and lease loss provision to assets | 0.1570% | 2,300 |
| Net operating income to assets | 1.7024% | 584 |
| Return on assets (ROA) | 1.7024% | 645 |
| Pretax return on assets | 1.8315% | 837 |
| Return on Equity (ROE) | 22.3098% | 183 |
| Retained earnings to average equity (ytd only) | 15.9095% | 284 |
| Net charge-offs to loans | -0.0222% | 5,763 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5306% | 6,410 |
| Assets per employee ($millions) | 7.6979% | 562 |
| Cash dividends to net income (ytd only)* | 28.6885% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 6,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 6,255 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 62.7978% | 2,919 |
| Net loans and leases to deposits | 69.2067% | 3,613 |
| Net loans and leases to core deposits | 75.3043% | 3,411 |
| Total domestic deposits to total assets | 90.7395% | 647 |
| Equity capital to assets | 7.7216% | 6,512 |
| Core capital (leverage) ratio | 7.6803% | 6,367 |
| Tier 1 risk-based capital ratio | 11.7655% | 6,050 |
| Total risk-based capital ratio | 12.6786% | 6,196 |
| Memoranda: | ||
| Average total assets | $114,660,500 | 4,512 |
| Average earning assets | $107,475,500 | 4,435 |
| Average equity | $8,749,500 | 5,285 |
| Average total loans | $71,936,000 | 4,271 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 3,720 |
| Cost of funding earning assets | 0.3662% | 6,125 |
| Net interest margin | 4.0568% | 2,158 |
| Noninterest income to average assets | 0.3376% | 5,041 |
| Noninterest expense to average assets | 2.0687% | 6,193 |
| Loan and lease loss provision to assets | 0.1488% | 3,747 |
| Net operating income to assets | 1.8064% | 503 |
| Return on assets (ROA) | 1.8064% | 565 |
| Pretax return on assets | 1.9431% | 679 |
| Return on Equity (ROE) | 24.6691% | 135 |
| Retained earnings to average equity (ytd only) | 14.7481% | 166 |
| Net charge-offs to loans | 0.2492% | 3,443 |
| Credit loss provision to net charge-offs | 103.2258% | 2,906 |
| Earnings coverage of net charge-offs (x) | 14.5097% | 1,728 |
| Efficiency ratio | 49.7205% | 6,608 |
| Assets per employee ($millions) | 7.1158% | 738 |
| Cash dividends to net income (ytd only)* | 40.2163% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,337 |
| Loan loss allowance to noncurrent loans | 218.7943% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 5,487 |
| Noncurrent loans to loans | 0.3989% | 5,497 |
| Net loans and leases to total assets | 61.5510% | 3,325 |
| Net loans and leases to deposits | 67.7773% | 4,013 |
| Net loans and leases to core deposits | 72.6051% | 3,963 |
| Total domestic deposits to total assets | 90.8135% | 558 |
| Equity capital to assets | 7.5387% | 6,616 |
| Core capital (leverage) ratio | 7.3901% | 6,542 |
| Tier 1 risk-based capital ratio | 11.2537% | 6,245 |
| Total risk-based capital ratio | 12.0969% | 6,381 |
| Memoranda: | ||
| Average total assets | $107,507,800 | 4,649 |
| Average earning assets | $101,310,600 | 4,567 |
| Average equity | $7,872,200 | 5,536 |
| Average total loans | $62,205,200 | 4,625 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 3,850 |
| Cost of funding earning assets | 0.3845% | 6,200 |
| Net interest margin | 4.0609% | 2,251 |
| Noninterest income to average assets | 0.3487% | 5,027 |
| Noninterest expense to average assets | 2.0782% | 6,212 |
| Loan and lease loss provision to assets | 0.1636% | 3,474 |
| Net operating income to assets | 1.8126% | 552 |
| Return on assets (ROA) | 1.8126% | 618 |
| Pretax return on assets | 1.9486% | 778 |
| Return on Equity (ROE) | 24.9522% | 143 |
| Retained earnings to average equity (ytd only) | 13.5158% | 347 |
| Net charge-offs to loans | 0.3329% | 2,794 |
| Credit loss provision to net charge-offs | 86.6667% | 3,406 |
| Earnings coverage of net charge-offs (x) | 11.1864% | 2,097 |
| Efficiency ratio | 49.5945% | 6,617 |
| Assets per employee ($millions) | 6.8739% | 788 |
| Cash dividends to net income (ytd only)* | 45.8335% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,381 |
| Loan loss allowance to noncurrent loans | 340.2299% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 6,311 |
| Noncurrent loans to loans | 0.2645% | 5,956 |
| Net loans and leases to total assets | 59.2806% | 3,911 |
| Net loans and leases to deposits | 65.2920% | 4,563 |
| Net loans and leases to core deposits | 71.5455% | 4,313 |
| Total domestic deposits to total assets | 90.7930% | 480 |
| Equity capital to assets | 7.5058% | 6,773 |
| Core capital (leverage) ratio | 7.2836% | 6,722 |
| Tier 1 risk-based capital ratio | 11.5062% | 6,227 |
| Total risk-based capital ratio | 12.3735% | 6,402 |
| Memoranda: | ||
| Average total assets | $105,921,750 | 4,730 |
| Average earning assets | $100,206,000 | 4,639 |
| Average equity | $7,694,500 | 5,646 |
| Average total loans | $60,083,000 | 4,764 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 3,992 |
| Cost of funding earning assets | 0.4035% | 6,246 |
| Net interest margin | 4.0434% | 2,324 |
| Noninterest income to average assets | 0.3519% | 5,024 |
| Noninterest expense to average assets | 2.0236% | 6,385 |
| Loan and lease loss provision to assets | 0.1148% | 4,098 |
| Net operating income to assets | 1.9050% | 453 |
| Return on assets (ROA) | 1.9050% | 518 |
| Pretax return on assets | 2.0465% | 635 |
| Return on Equity (ROE) | 26.5329% | 122 |
| Retained earnings to average equity (ytd only) | 11.8013% | 617 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3547% | 6,751 |
| Assets per employee ($millions) | 6.3963% | 1,010 |
| Cash dividends to net income (ytd only)* | 55.5221% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 5,875 |
| Loan loss allowance to noncurrent loans | 212.6582% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 5,991 |
| Noncurrent loans to loans | 0.5063% | 5,517 |
| Net loans and leases to total assets | 60.3248% | 3,765 |
| Net loans and leases to deposits | 66.5879% | 4,430 |
| Net loans and leases to core deposits | 73.6578% | 4,073 |
| Total domestic deposits to total assets | 90.5942% | 618 |
| Equity capital to assets | 7.6392% | 6,744 |
| Core capital (leverage) ratio | 7.0866% | 6,795 |
| Tier 1 risk-based capital ratio | 11.4134% | 6,271 |
| Total risk-based capital ratio | 12.4338% | 6,390 |
| Memoranda: | ||
| Average total assets | $104,568,330 | 4,787 |
| Average earning assets | $99,123,670 | 4,689 |
| Average equity | $7,507,670 | 5,708 |
| Average total loans | $58,180,670 | 4,868 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 4,864 |
| Cost of funding earning assets | 0.4294% | 6,260 |
| Net interest margin | 3.8371% | 3,204 |
| Noninterest income to average assets | 0.2877% | 5,574 |
| Noninterest expense to average assets | 1.9795% | 6,502 |
| Loan and lease loss provision to assets | 0.1135% | 3,934 |
| Net operating income to assets | 1.7221% | 693 |
| Return on assets (ROA) | 1.7221% | 772 |
| Pretax return on assets | 1.8471% | 981 |
| Return on Equity (ROE) | 24.7535% | 191 |
| Retained earnings to average equity (ytd only) | 3.6994% | 4,367 |
| Net charge-offs to loans | 0.0143% | 4,495 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 259.0000% | 135 |
| Efficiency ratio | 50.2402% | 6,659 |
| Assets per employee ($millions) | 6.7753% | 848 |
| Cash dividends to net income (ytd only)* | 85.0549% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,907 |
| Loan loss allowance to noncurrent loans | 205.1282% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 6,172 |
| Noncurrent loans to loans | 0.5362% | 5,591 |
| Net loans and leases to total assets | 53.0833% | 4,870 |
| Net loans and leases to deposits | 57.9647% | 5,378 |
| Net loans and leases to core deposits | 63.3769% | 5,183 |
| Total domestic deposits to total assets | 91.5788% | 356 |
| Equity capital to assets | 6.8558% | 6,960 |
| Core capital (leverage) ratio | 6.7974% | 6,906 |
| Tier 1 risk-based capital ratio | 11.3722% | 6,348 |
| Total risk-based capital ratio | 12.3913% | 6,461 |
| Memoranda: | ||
| Average total assets | $105,682,000 | 4,798 |
| Average earning assets | $100,595,500 | 4,687 |
| Average equity | $7,352,500 | 5,779 |
| Average total loans | $56,066,500 | 4,978 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 5,064 |
| Cost of funding earning assets | 0.5990% | 6,095 |
| Net interest margin | 3.9026% | 3,325 |
| Noninterest income to average assets | 0.2661% | 5,616 |
| Noninterest expense to average assets | 1.9401% | 6,778 |
| Loan and lease loss provision to assets | 0.1030% | 5,300 |
| Net operating income to assets | 1.7405% | 513 |
| Return on assets (ROA) | 1.7405% | 551 |
| Pretax return on assets | 1.8585% | 718 |
| Return on Equity (ROE) | 24.3697% | 124 |
| Retained earnings to average equity (ytd only) | 17.6388% | 74 |
| Net charge-offs to loans | 0.0551% | 5,767 |
| Credit loss provision to net charge-offs | 355.5556% | 649 |
| Earnings coverage of net charge-offs (x) | 67.7037% | 442 |
| Efficiency ratio | 49.7250% | 6,852 |
| Assets per employee ($millions) | 7.9199% | 485 |
| Cash dividends to net income (ytd only)* | 27.6202% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,683 |
| Loan loss allowance to noncurrent loans | 196.1538% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 6,215 |
| Noncurrent loans to loans | 0.5783% | 5,554 |
| Net loans and leases to total assets | 51.8031% | 5,342 |
| Net loans and leases to deposits | 56.7622% | 5,819 |
| Net loans and leases to core deposits | 62.6892% | 5,578 |
| Total domestic deposits to total assets | 91.2635% | 408 |
| Equity capital to assets | 7.0640% | 6,947 |
| Core capital (leverage) ratio | 7.1705% | 6,805 |
| Tier 1 risk-based capital ratio | 12.0327% | 5,816 |
| Total risk-based capital ratio | 13.0736% | 5,927 |
| Memoranda: | ||
| Average total assets | $93,193,400 | 5,093 |
| Average earning assets | $86,813,200 | 5,031 |
| Average equity | $6,655,800 | 5,971 |
| Average total loans | $48,977,600 | 5,302 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 4,948 |
| Cost of funding earning assets | 0.6492% | 6,036 |
| Net interest margin | 3.9303% | 3,234 |
| Noninterest income to average assets | 0.2556% | 5,794 |
| Noninterest expense to average assets | 1.9716% | 6,747 |
| Loan and lease loss provision to assets | 0.1058% | 5,120 |
| Net operating income to assets | 1.6881% | 651 |
| Return on assets (ROA) | 1.6881% | 713 |
| Pretax return on assets | 1.8159% | 925 |
| Return on Equity (ROE) | 23.5632% | 175 |
| Retained earnings to average equity (ytd only) | 16.1600% | 173 |
| Net charge-offs to loans | 0.0643% | 5,324 |
| Credit loss provision to net charge-offs | 313.0435% | 901 |
| Earnings coverage of net charge-offs (x) | 56.8621% | 578 |
| Efficiency ratio | 50.6415% | 6,793 |
| Assets per employee ($millions) | 7.3465% | 625 |
| Cash dividends to net income (ytd only)* | 31.4186% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,625 |
| Loan loss allowance to noncurrent loans | 170.1149% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 6,166 |
| Noncurrent loans to loans | 0.6840% | 5,521 |
| Net loans and leases to total assets | 52.6527% | 5,367 |
| Net loans and leases to deposits | 57.9372% | 5,843 |
| Net loans and leases to core deposits | 64.2583% | 5,592 |
| Total domestic deposits to total assets | 90.8790% | 478 |
| Equity capital to assets | 7.2844% | 6,994 |
| Core capital (leverage) ratio | 7.1336% | 6,916 |
| Tier 1 risk-based capital ratio | 12.2716% | 5,686 |
| Total risk-based capital ratio | 13.3577% | 5,806 |
| Memoranda: | ||
| Average total assets | $90,752,000 | 5,207 |
| Average earning assets | $83,994,000 | 5,161 |
| Average equity | $6,501,500 | 6,057 |
| Average total loans | $47,735,000 | 5,396 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6423% | 4,787 |
| Cost of funding earning assets | 0.6705% | 6,121 |
| Net interest margin | 3.9717% | 2,983 |
| Noninterest income to average assets | 0.2557% | 5,816 |
| Noninterest expense to average assets | 2.0232% | 6,741 |
| Loan and lease loss provision to assets | 0.1077% | 4,957 |
| Net operating income to assets | 1.6441% | 674 |
| Return on assets (ROA) | 1.6441% | 717 |
| Pretax return on assets | 1.7652% | 936 |
| Return on Equity (ROE) | 23.0878% | 197 |
| Retained earnings to average equity (ytd only) | 14.4574% | 283 |
| Net charge-offs to loans | 0.0942% | 4,735 |
| Credit loss provision to net charge-offs | 218.1818% | 1,368 |
| Earnings coverage of net charge-offs (x) | 37.9545% | 772 |
| Efficiency ratio | 51.9286% | 6,790 |
| Assets per employee ($millions) | 7.5187% | 560 |
| Cash dividends to net income (ytd only)* | 37.3806% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 5,657 |
| Loan loss allowance to noncurrent loans | 180.6349% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 6,257 |
| Noncurrent loans to loans | 0.6498% | 5,622 |
| Net loans and leases to total assets | 53.1012% | 5,415 |
| Net loans and leases to deposits | 58.5060% | 5,877 |
| Net loans and leases to core deposits | 65.7400% | 5,541 |
| Total domestic deposits to total assets | 90.7619% | 602 |
| Equity capital to assets | 7.3683% | 7,007 |
| Core capital (leverage) ratio | 6.8792% | 7,039 |
| Tier 1 risk-based capital ratio | 12.1792% | 5,631 |
| Total risk-based capital ratio | 13.2689% | 5,737 |
| Memoranda: | ||
| Average total assets | $89,167,670 | 5,284 |
| Average earning assets | $81,727,330 | 5,274 |
| Average equity | $6,349,670 | 6,124 |
| Average total loans | $46,687,330 | 5,488 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 4,628 |
| Cost of funding earning assets | 0.7047% | 6,101 |
| Net interest margin | 3.9714% | 2,814 |
| Noninterest income to average assets | 0.2211% | 6,153 |
| Noninterest expense to average assets | 1.9946% | 6,834 |
| Loan and lease loss provision to assets | 0.1083% | 4,657 |
| Net operating income to assets | 1.5749% | 728 |
| Return on assets (ROA) | 1.5749% | 772 |
| Pretax return on assets | 1.6787% | 1,018 |
| Return on Equity (ROE) | 22.5143% | 231 |
| Retained earnings to average equity (ytd only) | 14.3859% | 446 |
| Net charge-offs to loans | 0.0611% | 4,318 |
| Credit loss provision to net charge-offs | 342.8571% | 951 |
| Earnings coverage of net charge-offs (x) | 56.5714% | 522 |
| Efficiency ratio | 52.7446% | 6,803 |
| Assets per employee ($millions) | 8.6174% | 376 |
| Cash dividends to net income (ytd only)* | 36.1032% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 5,606 |
| Loan loss allowance to noncurrent loans | 177.2152% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 6,361 |
| Noncurrent loans to loans | 0.6799% | 5,661 |
| Net loans and leases to total assets | 48.4381% | 6,028 |
| Net loans and leases to deposits | 52.8275% | 6,409 |
| Net loans and leases to core deposits | 59.7875% | 6,109 |
| Total domestic deposits to total assets | 91.6912% | 370 |
| Equity capital to assets | 6.6631% | 7,173 |
| Core capital (leverage) ratio | 7.1215% | 6,951 |
| Tier 1 risk-based capital ratio | 12.0258% | 5,667 |
| Total risk-based capital ratio | 13.1254% | 5,799 |
| Memoranda: | ||
| Average total assets | $88,639,500 | 5,333 |
| Average earning assets | $79,468,500 | 5,377 |
| Average equity | $6,200,500 | 6,183 |
| Average total loans | $45,791,500 | 5,568 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 2,171 |
| Cost of funding earning assets | 1.0272% | 5,549 |
| Net interest margin | 4.5007% | 1,222 |
| Noninterest income to average assets | 0.2993% | 5,655 |
| Noninterest expense to average assets | 2.2253% | 6,552 |
| Loan and lease loss provision to assets | 0.6602% | 2,499 |
| Net operating income to assets | 1.5553% | 679 |
| Return on assets (ROA) | 1.5553% | 740 |
| Pretax return on assets | 1.6728% | 992 |
| Return on Equity (ROE) | 18.7844% | 326 |
| Retained earnings to average equity (ytd only) | 5.6759% | 2,000 |
| Net charge-offs to loans | 1.5211% | 1,440 |
| Credit loss provision to net charge-offs | 71.1916% | 5,832 |
| Earnings coverage of net charge-offs (x) | 2.5158% | 3,854 |
| Efficiency ratio | 48.8187% | 7,213 |
| Assets per employee ($millions) | 7.4989% | 590 |
| Cash dividends to net income (ytd only)* | 69.7842% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,497 |
| Loan loss allowance to noncurrent loans | 128.6730% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 6,002 |
| Noncurrent loans to loans | 0.9355% | 5,181 |
| Net loans and leases to total assets | 54.0260% | 5,627 |
| Net loans and leases to deposits | 59.5980% | 6,102 |
| Net loans and leases to core deposits | 68.6629% | 5,588 |
| Total domestic deposits to total assets | 90.6508% | 768 |
| Equity capital to assets | 7.3768% | 6,956 |
| Core capital (leverage) ratio | 7.4975% | 6,708 |
| Tier 1 risk-based capital ratio | 11.9591% | 5,513 |
| Total risk-based capital ratio | 13.0596% | 5,638 |
| Memoranda: | ||
| Average total assets | $71,496,800 | 5,840 |
| Average earning assets | $67,656,600 | 5,751 |
| Average equity | $5,919,800 | 6,391 |
| Average total loans | $43,586,600 | 5,766 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7294% | 1,610 |
| Cost of funding earning assets | 1.1016% | 5,407 |
| Net interest margin | 4.6278% | 983 |
| Noninterest income to average assets | 0.2987% | 5,751 |
| Noninterest expense to average assets | 2.2652% | 6,420 |
| Loan and lease loss provision to assets | 0.8805% | 1,729 |
| Net operating income to assets | 1.4216% | 1,069 |
| Return on assets (ROA) | 1.4216% | 1,140 |
| Pretax return on assets | 1.5282% | 1,535 |
| Return on Equity (ROE) | 16.6252% | 636 |
| Retained earnings to average equity (ytd only) | 1.8372% | 5,041 |
| Net charge-offs to loans | 1.5522% | 1,287 |
| Credit loss provision to net charge-offs | 90.2584% | 4,751 |
| Earnings coverage of net charge-offs (x) | 2.4692% | 3,933 |
| Efficiency ratio | 48.4647% | 7,243 |
| Assets per employee ($millions) | 6.2340% | 1,103 |
| Cash dividends to net income (ytd only)* | 88.9493% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,875 |
| Loan loss allowance to noncurrent loans | 97.1631% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 5,214 |
| Noncurrent loans to loans | 1.5632% | 4,297 |
| Net loans and leases to total assets | 59.3720% | 5,026 |
| Net loans and leases to deposits | 66.0377% | 5,664 |
| Net loans and leases to core deposits | 76.7655% | 4,956 |
| Total domestic deposits to total assets | 89.9062% | 925 |
| Equity capital to assets | 7.9163% | 6,859 |
| Core capital (leverage) ratio | 7.8613% | 6,508 |
| Tier 1 risk-based capital ratio | 11.6594% | 5,773 |
| Total risk-based capital ratio | 12.9106% | 5,753 |
| Memoranda: | ||
| Average total assets | $68,749,000 | 5,982 |
| Average earning assets | $64,997,000 | 5,891 |
| Average equity | $5,878,500 | 6,489 |
| Average total loans | $43,206,250 | 5,862 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 1,365 |
| Cost of funding earning assets | 1.1515% | 5,394 |
| Net interest margin | 4.6725% | 860 |
| Noninterest income to average assets | 0.2907% | 5,819 |
| Noninterest expense to average assets | 2.3498% | 6,222 |
| Loan and lease loss provision to assets | 1.3068% | 1,049 |
| Net operating income to assets | 0.9501% | 2,367 |
| Return on assets (ROA) | 0.9501% | 2,452 |
| Pretax return on assets | 1.0490% | 2,939 |
| Return on Equity (ROE) | 10.8117% | 1,810 |
| Retained earnings to average equity (ytd only) | -6.8895% | 6,728 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9363% | 7,226 |
| Assets per employee ($millions) | 6.2682% | 1,066 |
| Cash dividends to net income (ytd only)* | 163.7224% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6185% | 1,169 |
| Loan loss allowance to noncurrent loans | 113.7026% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 4,220 |
| Noncurrent loans to loans | 2.3029% | 3,366 |
| Net loans and leases to total assets | 63.1066% | 4,444 |
| Net loans and leases to deposits | 70.5242% | 5,200 |
| Net loans and leases to core deposits | 83.2383% | 4,244 |
| Total domestic deposits to total assets | 89.4822% | 1,191 |
| Equity capital to assets | 8.2059% | 6,536 |
| Core capital (leverage) ratio | 8.0433% | 6,214 |
| Tier 1 risk-based capital ratio | 11.5653% | 5,703 |
| Total risk-based capital ratio | 12.8310% | 5,658 |
| Memoranda: | ||
| Average total assets | $66,729,330 | 6,074 |
| Average earning assets | $63,049,670 | 5,986 |
| Average equity | $5,864,000 | 6,508 |
| Average total loans | $42,575,000 | 5,925 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8193% | 1,404 |
| Cost of funding earning assets | 1.2000% | 5,406 |
| Net interest margin | 4.6193% | 915 |
| Noninterest income to average assets | 0.2804% | 5,898 |
| Noninterest expense to average assets | 2.3225% | 6,321 |
| Loan and lease loss provision to assets | 0.1097% | 5,524 |
| Net operating income to assets | 2.0604% | 312 |
| Return on assets (ROA) | 2.0604% | 345 |
| Pretax return on assets | 2.2128% | 410 |
| Return on Equity (ROE) | 22.6580% | 245 |
| Retained earnings to average equity (ytd only) | 22.6580% | 138 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 7,314 |
| Assets per employee ($millions) | 6.1092% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,683 |
| Loan loss allowance to noncurrent loans | 71.0104% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5759% | 4,136 |
| Noncurrent loans to loans | 2.5574% | 3,112 |
| Net loans and leases to total assets | 60.5021% | 5,036 |
| Net loans and leases to deposits | 68.3133% | 5,552 |
| Net loans and leases to core deposits | 85.1798% | 4,015 |
| Total domestic deposits to total assets | 88.5656% | 1,751 |
| Equity capital to assets | 9.1576% | 5,053 |
| Core capital (leverage) ratio | 9.1864% | 4,247 |
| Tier 1 risk-based capital ratio | 13.2944% | 4,133 |
| Total risk-based capital ratio | 14.5489% | 4,072 |
| Memoranda: | ||
| Average total assets | $65,619,000 | 6,185 |
| Average earning assets | $62,000,500 | 6,084 |
| Average equity | $5,967,000 | 6,528 |
| Average total loans | $41,521,500 | 6,050 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0649% | 1,623 |
| Cost of funding earning assets | 1.5514% | 5,272 |
| Net interest margin | 4.5135% | 1,153 |
| Noninterest income to average assets | 0.3560% | 5,556 |
| Noninterest expense to average assets | 2.3560% | 6,587 |
| Loan and lease loss provision to assets | 0.4779% | 3,967 |
| Net operating income to assets | 1.6792% | 465 |
| Return on assets (ROA) | 1.6792% | 490 |
| Pretax return on assets | 1.7914% | 647 |
| Return on Equity (ROE) | 20.0921% | 241 |
| Retained earnings to average equity (ytd only) | 13.2412% | 142 |
| Net charge-offs to loans | 0.0160% | 6,996 |
| Credit loss provision to net charge-offs | 4,966.6667% | 78 |
| Earnings coverage of net charge-offs (x) | 235.8333% | 118 |
| Efficiency ratio | 50.9362% | 7,477 |
| Assets per employee ($millions) | 5.8215% | 1,371 |
| Cash dividends to net income (ytd only)* | 34.0974% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 2,665 |
| Loan loss allowance to noncurrent loans | 72.0314% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.5913% | 3,988 |
| Noncurrent loans to loans | 2.4476% | 3,101 |
| Net loans and leases to total assets | 63.8678% | 4,625 |
| Net loans and leases to deposits | 73.2039% | 5,165 |
| Net loans and leases to core deposits | 114.4861% | 2,460 |
| Total domestic deposits to total assets | 87.2464% | 2,361 |
| Equity capital to assets | 9.0260% | 5,102 |
| Core capital (leverage) ratio | 8.8927% | 4,602 |
| Tier 1 risk-based capital ratio | 12.5848% | 4,457 |
| Total risk-based capital ratio | 13.8396% | 4,399 |
| Memoranda: | ||
| Average total assets | $62,352,200 | 6,259 |
| Average earning assets | $58,978,400 | 6,164 |
| Average equity | $5,211,000 | 6,869 |
| Average total loans | $37,581,000 | 6,216 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0426% | 1,870 |
| Cost of funding earning assets | 1.6267% | 5,276 |
| Net interest margin | 4.4159% | 1,400 |
| Noninterest income to average assets | 0.3014% | 6,064 |
| Noninterest expense to average assets | 2.3639% | 6,518 |
| Loan and lease loss provision to assets | 0.6028% | 2,982 |
| Net operating income to assets | 1.4058% | 1,012 |
| Return on assets (ROA) | 1.4058% | 1,079 |
| Pretax return on assets | 1.5135% | 1,374 |
| Return on Equity (ROE) | 17.1766% | 533 |
| Retained earnings to average equity (ytd only) | 9.2591% | 783 |
| Net charge-offs to loans | 0.0182% | 6,659 |
| Credit loss provision to net charge-offs | 5,600.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 196.4963% | 198 |
| Efficiency ratio | 52.7631% | 7,350 |
| Assets per employee ($millions) | 5.6585% | 1,466 |
| Cash dividends to net income (ytd only)* | 46.0948% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 2,224 |
| Loan loss allowance to noncurrent loans | 72.8659% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.7801% | 3,685 |
| Noncurrent loans to loans | 2.4947% | 3,021 |
| Net loans and leases to total assets | 62.2190% | 5,206 |
| Net loans and leases to deposits | 71.6212% | 5,713 |
| Net loans and leases to core deposits | 115.5961% | 2,667 |
| Total domestic deposits to total assets | 86.8724% | 2,246 |
| Equity capital to assets | 8.7930% | 5,809 |
| Core capital (leverage) ratio | 8.5233% | 5,452 |
| Tier 1 risk-based capital ratio | 12.2887% | 4,721 |
| Total risk-based capital ratio | 13.5441% | 4,654 |
| Memoranda: | ||
| Average total assets | $61,931,000 | 6,313 |
| Average earning assets | $58,604,750 | 6,232 |
| Average equity | $5,068,750 | 6,974 |
| Average total loans | $36,568,000 | 6,313 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9730% | 2,290 |
| Cost of funding earning assets | 1.7393% | 5,067 |
| Net interest margin | 4.2337% | 1,868 |
| Noninterest income to average assets | 0.2944% | 6,152 |
| Noninterest expense to average assets | 2.2773% | 6,826 |
| Loan and lease loss provision to assets | 0.8475% | 1,978 |
| Net operating income to assets | 1.0934% | 1,794 |
| Return on assets (ROA) | 1.0934% | 1,868 |
| Pretax return on assets | 1.1775% | 2,366 |
| Return on Equity (ROE) | 13.7009% | 1,041 |
| Retained earnings to average equity (ytd only) | 3.7292% | 3,217 |
| Net charge-offs to loans | 0.0281% | 6,082 |
| Credit loss provision to net charge-offs | 5,240.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 125.2000% | 312 |
| Efficiency ratio | 52.9323% | 7,445 |
| Assets per employee ($millions) | 6.0033% | 1,216 |
| Cash dividends to net income (ytd only)* | 72.7811% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 1,805 |
| Loan loss allowance to noncurrent loans | 72.7367% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.8073% | 3,460 |
| Noncurrent loans to loans | 2.6063% | 2,782 |
| Net loans and leases to total assets | 60.2552% | 5,636 |
| Net loans and leases to deposits | 67.6827% | 6,230 |
| Net loans and leases to core deposits | 105.5437% | 3,889 |
| Total domestic deposits to total assets | 89.0260% | 1,258 |
| Equity capital to assets | 8.4320% | 6,151 |
| Core capital (leverage) ratio | 7.9930% | 6,345 |
| Tier 1 risk-based capital ratio | 12.3819% | 4,617 |
| Total risk-based capital ratio | 13.6383% | 4,538 |
| Memoranda: | ||
| Average total assets | $61,827,000 | 6,381 |
| Average earning assets | $58,530,330 | 6,289 |
| Average equity | $4,934,000 | 7,087 |
| Average total loans | $35,609,330 | 6,429 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7876% | 3,367 |
| Cost of funding earning assets | 1.8707% | 4,788 |
| Net interest margin | 3.9169% | 2,983 |
| Noninterest income to average assets | 0.2933% | 6,088 |
| Noninterest expense to average assets | 2.2001% | 6,867 |
| Loan and lease loss provision to assets | 1.5560% | 807 |
| Net operating income to assets | 0.1148% | 5,936 |
| Return on assets (ROA) | 0.1148% | 6,099 |
| Pretax return on assets | 0.2360% | 5,860 |
| Return on Equity (ROE) | 1.4784% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.4784% | 5,023 |
| Net charge-offs to loans | 0.0572% | 4,667 |
| Credit loss provision to net charge-offs | 4,880.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 56.2000% | 677 |
| Efficiency ratio | 55.1118% | 7,091 |
| Assets per employee ($millions) | 5.4714% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 1,492 |
| Loan loss allowance to noncurrent loans | 100.4425% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 4,239 |
| Noncurrent loans to loans | 1.9554% | 3,329 |
| Net loans and leases to total assets | 51.7736% | 6,709 |
| Net loans and leases to deposits | 57.3964% | 7,073 |
| Net loans and leases to core deposits | 86.3775% | 5,873 |
| Total domestic deposits to total assets | 90.2036% | 712 |
| Equity capital to assets | 7.5300% | 7,327 |
| Core capital (leverage) ratio | 7.6723% | 6,924 |
| Tier 1 risk-based capital ratio | 12.6732% | 4,414 |
| Total risk-based capital ratio | 13.9294% | 4,331 |
| Memoranda: | ||
| Average total assets | $62,724,000 | 6,369 |
| Average earning assets | $59,230,500 | 6,291 |
| Average equity | $4,870,000 | 7,163 |
| Average total loans | $34,978,000 | 6,496 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7589% | 1,836 |
| Cost of funding earning assets | 2.7828% | 2,776 |
| Net interest margin | 3.9760% | 3,233 |
| Noninterest income to average assets | 0.3028% | 6,279 |
| Noninterest expense to average assets | 2.3867% | 6,441 |
| Loan and lease loss provision to assets | 0.0523% | 6,763 |
| Net operating income to assets | 1.4671% | 1,084 |
| Return on assets (ROA) | 1.4671% | 1,045 |
| Pretax return on assets | 1.5755% | 1,461 |
| Return on Equity (ROE) | 17.3473% | 590 |
| Retained earnings to average equity (ytd only) | 9.3035% | 554 |
| Net charge-offs to loans | -0.0329% | 7,983 |
| Credit loss provision to net charge-offs | -254.5455% | 7,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4507% | 6,444 |
| Assets per employee ($millions) | 4.9826% | 1,954 |
| Cash dividends to net income (ytd only)* | 46.3694% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 4,110 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,575 |
| Noncurrent loans to loans | 0.0737% | 7,209 |
| Net loans and leases to total assets | 58.2696% | 6,165 |
| Net loans and leases to deposits | 65.1922% | 6,698 |
| Net loans and leases to core deposits | 102.9277% | 4,510 |
| Total domestic deposits to total assets | 89.3813% | 885 |
| Equity capital to assets | 8.0213% | 6,817 |
| Core capital (leverage) ratio | 8.3198% | 5,915 |
| Tier 1 risk-based capital ratio | 12.8912% | 4,166 |
| Total risk-based capital ratio | 14.0586% | 4,143 |
| Memoranda: | ||
| Average total assets | $53,505,600 | 6,640 |
| Average earning assets | $49,949,200 | 6,588 |
| Average equity | $4,525,200 | 7,327 |
| Average total loans | $33,435,800 | 6,514 |