Home > North American State Bank > Performance and Condition Ratios
North American State Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 2,485 |
| Cost of funding earning assets | 0.4794% | 3,332 |
| Net interest margin | 3.9645% | 2,071 |
| Noninterest income to average assets | 0.2726% | 4,329 |
| Noninterest expense to average assets | 3.2181% | 1,484 |
| Loan and lease loss provision to assets | -0.1363% | 5,373 |
| Net operating income to assets | 0.8655% | 3,677 |
| Return on assets (ROA) | 0.8655% | 3,683 |
| Pretax return on assets | 0.8655% | 4,126 |
| Return on Equity (ROE) | 6.9219% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.3114% | 2,484 |
| Net charge-offs to loans | -0.0104% | 4,417 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5262% | 811 |
| Assets per employee ($millions) | 3.8713% | 4,076 |
| Cash dividends to net income (ytd only)* | 8.8183% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1436% | 394 |
| Loan loss allowance to noncurrent loans | 99.8557% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.4858% | 863 |
| Noncurrent loans to loans | 2.1467% | 666 |
| Net loans and leases to total assets | 65.2797% | 3,278 |
| Net loans and leases to deposits | 75.0701% | 3,496 |
| Net loans and leases to core deposits | 78.9965% | 3,568 |
| Total domestic deposits to total assets | 86.9583% | 1,750 |
| Equity capital to assets | 12.8464% | 1,397 |
| Core capital (leverage) ratio | 13.1776% | 1,217 |
| Tier 1 risk-based capital ratio | 18.8659% | 1,568 |
| Total risk-based capital ratio | 20.1259% | 1,537 |
| Memoranda: | ||
| Average total assets | $97,819,250 | 4,174 |
| Average earning assets | $90,668,500 | 4,173 |
| Average equity | $12,231,500 | 4,033 |
| Average total loans | $63,953,250 | 4,046 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 2,999 |
| Cost of funding earning assets | 0.4704% | 3,220 |
| Net interest margin | 3.7635% | 2,699 |
| Noninterest income to average assets | 0.2323% | 4,626 |
| Noninterest expense to average assets | 3.1274% | 1,722 |
| Loan and lease loss provision to assets | -0.2037% | 5,474 |
| Net operating income to assets | 0.7966% | 3,869 |
| Return on assets (ROA) | 0.7966% | 3,871 |
| Pretax return on assets | 0.7966% | 4,255 |
| Return on Equity (ROE) | 6.4286% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.5079% | 2,821 |
| Net charge-offs to loans | -0.0031% | 4,017 |
| Credit loss provision to net charge-offs | 10,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0635% | 684 |
| Assets per employee ($millions) | 3.5407% | 4,542 |
| Cash dividends to net income (ytd only)* | 14.3223% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1458% | 410 |
| Loan loss allowance to noncurrent loans | 95.7004% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.5712% | 824 |
| Noncurrent loans to loans | 2.2422% | 615 |
| Net loans and leases to total assets | 65.8309% | 3,176 |
| Net loans and leases to deposits | 75.6597% | 3,372 |
| Net loans and leases to core deposits | 78.8585% | 3,506 |
| Total domestic deposits to total assets | 87.0091% | 1,837 |
| Equity capital to assets | 12.8256% | 1,378 |
| Core capital (leverage) ratio | 12.9126% | 1,262 |
| Tier 1 risk-based capital ratio | 18.4579% | 1,681 |
| Total risk-based capital ratio | 19.7178% | 1,643 |
| Memoranda: | ||
| Average total assets | $98,165,000 | 4,204 |
| Average earning assets | $90,980,000 | 4,207 |
| Average equity | $12,164,330 | 4,063 |
| Average total loans | $63,750,000 | 4,073 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 3,214 |
| Cost of funding earning assets | 0.4554% | 3,167 |
| Net interest margin | 3.6521% | 2,978 |
| Noninterest income to average assets | 0.2494% | 4,513 |
| Noninterest expense to average assets | 3.1574% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4786% | 4,744 |
| Return on assets (ROA) | 0.4786% | 4,746 |
| Pretax return on assets | 0.4786% | 4,903 |
| Return on Equity (ROE) | 3.9287% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.9287% | 3,621 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8363% | 589 |
| Assets per employee ($millions) | 3.9823% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3972% | 285 |
| Loan loss allowance to noncurrent loans | 388.4514% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 3,074 |
| Noncurrent loans to loans | 0.6171% | 2,690 |
| Net loans and leases to total assets | 60.5265% | 3,697 |
| Net loans and leases to deposits | 69.0039% | 3,873 |
| Net loans and leases to core deposits | 73.8649% | 3,831 |
| Total domestic deposits to total assets | 87.7147% | 1,782 |
| Equity capital to assets | 12.1366% | 1,695 |
| Core capital (leverage) ratio | 12.6500% | 1,318 |
| Tier 1 risk-based capital ratio | 17.6128% | 1,944 |
| Total risk-based capital ratio | 18.8738% | 1,891 |
| Memoranda: | ||
| Average total assets | $99,448,500 | 4,229 |
| Average earning assets | $92,220,000 | 4,227 |
| Average equity | $12,116,000 | 4,105 |
| Average total loans | $63,468,500 | 4,114 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 2,673 |
| Cost of funding earning assets | 0.5025% | 2,316 |
| Net interest margin | 3.7020% | 2,788 |
| Noninterest income to average assets | 0.2498% | 4,638 |
| Noninterest expense to average assets | 3.0378% | 2,048 |
| Loan and lease loss provision to assets | -0.2618% | 5,607 |
| Net operating income to assets | 0.8959% | 2,734 |
| Return on assets (ROA) | 0.8959% | 2,761 |
| Pretax return on assets | 0.8959% | 3,937 |
| Return on Equity (ROE) | 7.5324% | 3,020 |
| Retained earnings to average equity (ytd only) | 5.4912% | 1,818 |
| Net charge-offs to loans | -0.3406% | 5,577 |
| Credit loss provision to net charge-offs | 120.2765% | 2,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7322% | 876 |
| Assets per employee ($millions) | 3.8207% | 4,250 |
| Cash dividends to net income (ytd only)* | 27.0997% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2685% | 323 |
| Loan loss allowance to noncurrent loans | 511.7647% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 3,459 |
| Noncurrent loans to loans | 0.4433% | 3,190 |
| Net loans and leases to total assets | 64.1430% | 3,350 |
| Net loans and leases to deposits | 74.9776% | 3,431 |
| Net loans and leases to core deposits | 79.8064% | 3,438 |
| Total domestic deposits to total assets | 85.5495% | 2,634 |
| Equity capital to assets | 12.2298% | 1,686 |
| Core capital (leverage) ratio | 11.9962% | 1,604 |
| Tier 1 risk-based capital ratio | 17.2496% | 2,016 |
| Total risk-based capital ratio | 18.5106% | 1,960 |
| Memoranda: | ||
| Average total assets | $99,677,800 | 4,243 |
| Average earning assets | $92,140,200 | 4,238 |
| Average equity | $11,855,400 | 4,165 |
| Average total loans | $63,713,000 | 4,104 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 2,687 |
| Cost of funding earning assets | 0.4933% | 2,323 |
| Net interest margin | 3.6847% | 2,806 |
| Noninterest income to average assets | 0.2620% | 4,635 |
| Noninterest expense to average assets | 2.9857% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6803% | 4,080 |
| Return on assets (ROA) | 0.6803% | 4,138 |
| Pretax return on assets | 0.6803% | 4,653 |
| Return on Equity (ROE) | 5.7601% | 4,223 |
| Retained earnings to average equity (ytd only) | 4.7190% | 3,070 |
| Net charge-offs to loans | -0.2210% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4437% | 965 |
| Assets per employee ($millions) | 4.1432% | 3,754 |
| Cash dividends to net income (ytd only)* | 18.0741% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4911% | 266 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 3,227 |
| Noncurrent loans to loans | 0.6228% | 2,840 |
| Net loans and leases to total assets | 61.5219% | 3,712 |
| Net loans and leases to deposits | 72.9837% | 3,668 |
| Net loans and leases to core deposits | 77.5404% | 3,680 |
| Total domestic deposits to total assets | 84.2954% | 2,998 |
| Equity capital to assets | 11.6334% | 2,247 |
| Core capital (leverage) ratio | 11.9591% | 1,713 |
| Tier 1 risk-based capital ratio | 16.7526% | 2,231 |
| Total risk-based capital ratio | 18.0155% | 2,183 |
| Memoranda: | ||
| Average total assets | $99,762,500 | 4,285 |
| Average earning assets | $92,162,500 | 4,274 |
| Average equity | $11,782,000 | 4,219 |
| Average total loans | $63,341,750 | 4,149 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 3,536 |
| Cost of funding earning assets | 0.4864% | 2,282 |
| Net interest margin | 3.4181% | 3,708 |
| Noninterest income to average assets | 0.2356% | 4,830 |
| Noninterest expense to average assets | 2.9973% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3919% | 4,991 |
| Return on assets (ROA) | 0.3919% | 5,019 |
| Pretax return on assets | 0.3919% | 5,184 |
| Return on Equity (ROE) | 3.3012% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.3012% | 3,752 |
| Net charge-offs to loans | -0.0383% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4362% | 527 |
| Assets per employee ($millions) | 3.8680% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4334% | 302 |
| Loan loss allowance to noncurrent loans | 352.8736% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 3,116 |
| Noncurrent loans to loans | 0.6896% | 2,690 |
| Net loans and leases to total assets | 61.1978% | 3,722 |
| Net loans and leases to deposits | 72.7959% | 3,665 |
| Net loans and leases to core deposits | 77.4963% | 3,639 |
| Total domestic deposits to total assets | 84.0677% | 3,167 |
| Equity capital to assets | 11.7720% | 2,098 |
| Core capital (leverage) ratio | 11.8978% | 1,695 |
| Tier 1 risk-based capital ratio | 17.1130% | 2,134 |
| Total risk-based capital ratio | 18.3750% | 2,073 |
| Memoranda: | ||
| Average total assets | $98,489,670 | 4,334 |
| Average earning assets | $90,868,670 | 4,336 |
| Average equity | $11,692,670 | 4,244 |
| Average total loans | $62,671,330 | 4,187 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 3,336 |
| Cost of funding earning assets | 0.4763% | 2,291 |
| Net interest margin | 3.4411% | 3,477 |
| Noninterest income to average assets | 0.2340% | 4,868 |
| Noninterest expense to average assets | 2.9718% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4351% | 4,839 |
| Return on assets (ROA) | 0.4351% | 4,859 |
| Pretax return on assets | 0.4351% | 5,091 |
| Return on Equity (ROE) | 3.6490% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.6490% | 3,613 |
| Net charge-offs to loans | -0.0448% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2289% | 716 |
| Assets per employee ($millions) | 4.0735% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4431% | 335 |
| Loan loss allowance to noncurrent loans | 340.2222% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 3,152 |
| Noncurrent loans to loans | 0.7181% | 2,701 |
| Net loans and leases to total assets | 62.5332% | 3,464 |
| Net loans and leases to deposits | 74.6514% | 3,341 |
| Net loans and leases to core deposits | 79.6267% | 3,329 |
| Total domestic deposits to total assets | 83.7670% | 3,568 |
| Equity capital to assets | 11.9666% | 1,868 |
| Core capital (leverage) ratio | 11.9600% | 1,656 |
| Tier 1 risk-based capital ratio | 16.8899% | 2,219 |
| Total risk-based capital ratio | 18.1521% | 2,175 |
| Memoranda: | ||
| Average total assets | $97,450,000 | 4,398 |
| Average earning assets | $89,856,000 | 4,401 |
| Average equity | $11,619,500 | 4,281 |
| Average total loans | $62,466,500 | 4,225 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 2,368 |
| Cost of funding earning assets | 0.4916% | 2,153 |
| Net interest margin | 3.7435% | 2,527 |
| Noninterest income to average assets | 0.3470% | 4,250 |
| Noninterest expense to average assets | 3.0296% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7648% | 3,471 |
| Return on assets (ROA) | 0.7648% | 3,576 |
| Pretax return on assets | 0.7648% | 4,286 |
| Return on Equity (ROE) | 6.4597% | 3,758 |
| Retained earnings to average equity (ytd only) | 2.0636% | 4,364 |
| Net charge-offs to loans | 0.0361% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 31.0417% | 1,401 |
| Efficiency ratio | 79.8431% | 1,440 |
| Assets per employee ($millions) | 4.4153% | 3,244 |
| Cash dividends to net income (ytd only)* | 68.0537% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4475% | 334 |
| Loan loss allowance to noncurrent loans | 294.2085% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 2,942 |
| Noncurrent loans to loans | 0.8319% | 2,445 |
| Net loans and leases to total assets | 62.5340% | 3,539 |
| Net loans and leases to deposits | 74.5899% | 3,456 |
| Net loans and leases to core deposits | 79.8609% | 3,403 |
| Total domestic deposits to total assets | 83.8371% | 3,489 |
| Equity capital to assets | 11.8813% | 1,893 |
| Core capital (leverage) ratio | 11.7922% | 1,729 |
| Tier 1 risk-based capital ratio | 16.3841% | 2,391 |
| Total risk-based capital ratio | 17.6456% | 2,328 |
| Memoranda: | ||
| Average total assets | $97,406,000 | 4,397 |
| Average earning assets | $89,703,200 | 4,393 |
| Average equity | $11,533,000 | 4,332 |
| Average total loans | $66,519,800 | 4,130 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,434 |
| Cost of funding earning assets | 0.4887% | 2,187 |
| Net interest margin | 3.7374% | 2,564 |
| Noninterest income to average assets | 0.2462% | 5,001 |
| Noninterest expense to average assets | 3.0695% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6183% | 4,218 |
| Return on assets (ROA) | 0.6183% | 4,338 |
| Pretax return on assets | 0.6183% | 4,832 |
| Return on Equity (ROE) | 5.2263% | 4,421 |
| Retained earnings to average equity (ytd only) | 1.5957% | 4,872 |
| Net charge-offs to loans | 0.0651% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.6966% | 2,290 |
| Efficiency ratio | 83.2344% | 1,052 |
| Assets per employee ($millions) | 4.2460% | 3,517 |
| Cash dividends to net income (ytd only)* | 69.4698% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3289% | 418 |
| Loan loss allowance to noncurrent loans | 219.5652% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 2,629 |
| Noncurrent loans to loans | 1.0607% | 2,125 |
| Net loans and leases to total assets | 65.0590% | 3,264 |
| Net loans and leases to deposits | 77.8418% | 3,198 |
| Net loans and leases to core deposits | 83.5923% | 3,167 |
| Total domestic deposits to total assets | 83.5786% | 3,363 |
| Equity capital to assets | 12.0091% | 2,113 |
| Core capital (leverage) ratio | 11.7466% | 1,847 |
| Tier 1 risk-based capital ratio | 15.6026% | 2,793 |
| Total risk-based capital ratio | 16.8625% | 2,718 |
| Memoranda: | ||
| Average total assets | $97,473,500 | 4,426 |
| Average earning assets | $89,756,000 | 4,427 |
| Average equity | $11,531,000 | 4,372 |
| Average total loans | $67,583,000 | 4,134 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,035 |
| Cost of funding earning assets | 0.4886% | 2,199 |
| Net interest margin | 3.8461% | 2,153 |
| Noninterest income to average assets | 0.2217% | 5,165 |
| Noninterest expense to average assets | 3.1290% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6324% | 4,133 |
| Return on assets (ROA) | 0.6324% | 4,272 |
| Pretax return on assets | 0.6324% | 4,812 |
| Return on Equity (ROE) | 5.3727% | 4,347 |
| Retained earnings to average equity (ytd only) | 1.3781% | 4,831 |
| Net charge-offs to loans | 0.1023% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.8000% | 2,484 |
| Efficiency ratio | 83.1878% | 1,126 |
| Assets per employee ($millions) | 3.9670% | 3,974 |
| Cash dividends to net income (ytd only)* | 74.3506% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2697% | 497 |
| Loan loss allowance to noncurrent loans | 218.1818% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7920% | 2,614 |
| Noncurrent loans to loans | 1.0403% | 2,202 |
| Net loans and leases to total assets | 68.3808% | 2,729 |
| Net loans and leases to deposits | 82.1429% | 2,694 |
| Net loans and leases to core deposits | 88.1022% | 2,714 |
| Total domestic deposits to total assets | 83.2462% | 3,557 |
| Equity capital to assets | 12.2700% | 1,926 |
| Core capital (leverage) ratio | 11.9302% | 1,682 |
| Tier 1 risk-based capital ratio | 15.3504% | 2,927 |
| Total risk-based capital ratio | 16.6099% | 2,856 |
| Memoranda: | ||
| Average total assets | $97,411,670 | 4,468 |
| Average earning assets | $89,650,000 | 4,468 |
| Average equity | $11,465,330 | 4,404 |
| Average total loans | $68,427,000 | 4,131 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,052 |
| Cost of funding earning assets | 0.4985% | 2,123 |
| Net interest margin | 3.8250% | 2,202 |
| Noninterest income to average assets | 0.2152% | 5,200 |
| Noninterest expense to average assets | 3.2117% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5238% | 4,526 |
| Return on assets (ROA) | 0.5238% | 4,635 |
| Pretax return on assets | 0.5238% | 5,023 |
| Return on Equity (ROE) | 4.5435% | 4,682 |
| Retained earnings to average equity (ytd only) | -1.3736% | 5,322 |
| Net charge-offs to loans | 0.2423% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 2,590 |
| Efficiency ratio | 85.9783% | 978 |
| Assets per employee ($millions) | 3.9943% | 3,956 |
| Cash dividends to net income (ytd only)* | 130.2326% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2053% | 586 |
| Loan loss allowance to noncurrent loans | 214.6933% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 2,609 |
| Noncurrent loans to loans | 1.0272% | 2,330 |
| Net loans and leases to total assets | 69.6205% | 2,406 |
| Net loans and leases to deposits | 83.2608% | 2,394 |
| Net loans and leases to core deposits | 89.6538% | 2,408 |
| Total domestic deposits to total assets | 83.6174% | 3,672 |
| Equity capital to assets | 11.9294% | 2,072 |
| Core capital (leverage) ratio | 11.2863% | 2,160 |
| Tier 1 risk-based capital ratio | 14.9912% | 3,165 |
| Total risk-based capital ratio | 16.2503% | 3,093 |
| Memoranda: | ||
| Average total assets | $98,513,500 | 4,489 |
| Average earning assets | $90,666,500 | 4,486 |
| Average equity | $11,357,000 | 4,436 |
| Average total loans | $69,332,500 | 4,127 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,705 |
| Cost of funding earning assets | 0.4783% | 2,367 |
| Net interest margin | 3.6822% | 2,818 |
| Noninterest income to average assets | 0.2279% | 5,232 |
| Noninterest expense to average assets | 2.8917% | 2,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7183% | 3,719 |
| Return on assets (ROA) | 0.7183% | 3,829 |
| Pretax return on assets | 0.7183% | 4,476 |
| Return on Equity (ROE) | 6.7422% | 3,658 |
| Retained earnings to average equity (ytd only) | 5.0657% | 2,368 |
| Net charge-offs to loans | 0.0678% | 2,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.1739% | 2,152 |
| Efficiency ratio | 80.1016% | 1,661 |
| Assets per employee ($millions) | 4.3984% | 3,219 |
| Cash dividends to net income (ytd only)* | 24.8656% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1969% | 598 |
| Loan loss allowance to noncurrent loans | 254.4408% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 2,946 |
| Noncurrent loans to loans | 0.8634% | 2,623 |
| Net loans and leases to total assets | 68.0802% | 2,692 |
| Net loans and leases to deposits | 81.6377% | 2,636 |
| Net loans and leases to core deposits | 87.5543% | 2,644 |
| Total domestic deposits to total assets | 83.3931% | 3,712 |
| Equity capital to assets | 11.1483% | 2,679 |
| Core capital (leverage) ratio | 11.1935% | 2,224 |
| Tier 1 risk-based capital ratio | 13.5574% | 3,974 |
| Total risk-based capital ratio | 14.8153% | 3,905 |
| Memoranda: | ||
| Average total assets | $103,571,200 | 4,393 |
| Average earning assets | $95,134,400 | 4,413 |
| Average equity | $11,035,000 | 4,475 |
| Average total loans | $67,860,000 | 4,149 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1306% | 2,805 |
| Cost of funding earning assets | 0.4769% | 2,434 |
| Net interest margin | 3.6537% | 2,944 |
| Noninterest income to average assets | 0.2547% | 5,119 |
| Noninterest expense to average assets | 2.8618% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7462% | 3,697 |
| Return on assets (ROA) | 0.7462% | 3,796 |
| Pretax return on assets | 0.7462% | 4,514 |
| Return on Equity (ROE) | 7.0830% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.8354% | 3,027 |
| Net charge-offs to loans | -0.0198% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3189% | 1,755 |
| Assets per employee ($millions) | 4.2533% | 3,419 |
| Cash dividends to net income (ytd only)* | 31.7325% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4059% | 498 |
| Loan loss allowance to noncurrent loans | 206.5722% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 2,406 |
| Noncurrent loans to loans | 1.1647% | 2,194 |
| Net loans and leases to total assets | 66.4711% | 2,940 |
| Net loans and leases to deposits | 79.0138% | 2,989 |
| Net loans and leases to core deposits | 84.8914% | 2,959 |
| Total domestic deposits to total assets | 84.1259% | 3,372 |
| Equity capital to assets | 11.4908% | 2,515 |
| Core capital (leverage) ratio | 10.7755% | 2,740 |
| Tier 1 risk-based capital ratio | 13.9935% | 3,852 |
| Total risk-based capital ratio | 15.2535% | 3,789 |
| Memoranda: | ||
| Average total assets | $104,173,250 | 4,421 |
| Average earning assets | $95,609,500 | 4,448 |
| Average equity | $10,974,250 | 4,538 |
| Average total loans | $67,220,250 | 4,198 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,154 |
| Cost of funding earning assets | 0.4645% | 2,566 |
| Net interest margin | 3.5668% | 3,222 |
| Noninterest income to average assets | 0.2409% | 5,232 |
| Noninterest expense to average assets | 2.7849% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7357% | 3,710 |
| Return on assets (ROA) | 0.7357% | 3,822 |
| Pretax return on assets | 0.7357% | 4,542 |
| Return on Equity (ROE) | 7.1840% | 3,501 |
| Retained earnings to average equity (ytd only) | 5.3466% | 2,642 |
| Net charge-offs to loans | -0.0148% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1021% | 1,900 |
| Assets per employee ($millions) | 5.1030% | 2,141 |
| Cash dividends to net income (ytd only)* | 25.5754% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3479% | 597 |
| Loan loss allowance to noncurrent loans | 174.4541% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 2,504 |
| Noncurrent loans to loans | 1.3459% | 1,999 |
| Net loans and leases to total assets | 62.0201% | 3,547 |
| Net loans and leases to deposits | 72.2845% | 3,690 |
| Net loans and leases to core deposits | 77.2742% | 3,645 |
| Total domestic deposits to total assets | 85.8000% | 2,796 |
| Equity capital to assets | 10.2135% | 3,794 |
| Core capital (leverage) ratio | 10.4105% | 3,074 |
| Tier 1 risk-based capital ratio | 13.2323% | 4,387 |
| Total risk-based capital ratio | 14.4910% | 4,309 |
| Memoranda: | ||
| Average total assets | $106,289,000 | 4,414 |
| Average earning assets | $97,735,000 | 4,428 |
| Average equity | $10,885,330 | 4,583 |
| Average total loans | $67,417,330 | 4,231 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,075 |
| Cost of funding earning assets | 0.4683% | 2,577 |
| Net interest margin | 3.5736% | 3,109 |
| Noninterest income to average assets | 0.2305% | 5,310 |
| Noninterest expense to average assets | 2.9815% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5366% | 4,523 |
| Return on assets (ROA) | 0.5366% | 4,638 |
| Pretax return on assets | 0.5366% | 5,078 |
| Return on Equity (ROE) | 5.2324% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.2324% | 2,932 |
| Net charge-offs to loans | -0.0179% | 4,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7476% | 1,291 |
| Assets per employee ($millions) | 4.5071% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3753% | 638 |
| Loan loss allowance to noncurrent loans | 329.7521% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 3,607 |
| Noncurrent loans to loans | 0.7203% | 3,460 |
| Net loans and leases to total assets | 63.2772% | 3,194 |
| Net loans and leases to deposits | 74.2655% | 3,274 |
| Net loans and leases to core deposits | 79.9276% | 3,172 |
| Total domestic deposits to total assets | 85.2040% | 3,307 |
| Equity capital to assets | 10.6894% | 3,329 |
| Core capital (leverage) ratio | 10.7176% | 2,731 |
| Tier 1 risk-based capital ratio | 13.6701% | 4,240 |
| Total risk-based capital ratio | 14.8499% | 4,187 |
| Memoranda: | ||
| Average total assets | $105,852,500 | 4,459 |
| Average earning assets | $97,379,500 | 4,474 |
| Average equity | $10,855,500 | 4,628 |
| Average total loans | $67,096,000 | 4,262 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 2,811 |
| Cost of funding earning assets | 0.5245% | 2,442 |
| Net interest margin | 3.7177% | 2,944 |
| Noninterest income to average assets | 0.7178% | 2,224 |
| Noninterest expense to average assets | 3.0293% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0918% | 2,005 |
| Return on assets (ROA) | 0.9479% | 2,729 |
| Pretax return on assets | 0.9479% | 3,702 |
| Return on Equity (ROE) | 10.7018% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.7018% | 416 |
| Net charge-offs to loans | -0.3590% | 6,355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5064% | 2,926 |
| Assets per employee ($millions) | 4.9110% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 640 |
| Loan loss allowance to noncurrent loans | 335.3684% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 3,812 |
| Noncurrent loans to loans | 0.7089% | 3,551 |
| Net loans and leases to total assets | 60.5394% | 3,711 |
| Net loans and leases to deposits | 70.2904% | 3,870 |
| Net loans and leases to core deposits | 75.6074% | 3,755 |
| Total domestic deposits to total assets | 86.1276% | 2,765 |
| Equity capital to assets | 9.8388% | 4,303 |
| Core capital (leverage) ratio | 10.0252% | 3,541 |
| Tier 1 risk-based capital ratio | 13.6661% | 4,315 |
| Total risk-based capital ratio | 14.9260% | 4,245 |
| Memoranda: | ||
| Average total assets | $105,601,600 | 4,465 |
| Average earning assets | $96,671,400 | 4,490 |
| Average equity | $9,353,600 | 4,892 |
| Average total loans | $62,947,800 | 4,401 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,881 |
| Cost of funding earning assets | 0.5366% | 2,405 |
| Net interest margin | 3.6950% | 3,041 |
| Noninterest income to average assets | 0.5981% | 2,886 |
| Noninterest expense to average assets | 3.0643% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9093% | 2,870 |
| Return on assets (ROA) | 0.9093% | 2,966 |
| Pretax return on assets | 0.9093% | 3,949 |
| Return on Equity (ROE) | 10.5666% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.5666% | 577 |
| Net charge-offs to loans | -0.4176% | 6,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1173% | 2,336 |
| Assets per employee ($millions) | 4.7943% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 722 |
| Loan loss allowance to noncurrent loans | 231.0651% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 2,572 |
| Noncurrent loans to loans | 1.0434% | 2,987 |
| Net loans and leases to total assets | 59.9441% | 3,792 |
| Net loans and leases to deposits | 69.2645% | 3,997 |
| Net loans and leases to core deposits | 74.6091% | 3,886 |
| Total domestic deposits to total assets | 86.5437% | 2,561 |
| Equity capital to assets | 9.3292% | 5,007 |
| Core capital (leverage) ratio | 9.7120% | 4,059 |
| Tier 1 risk-based capital ratio | 13.4080% | 4,598 |
| Total risk-based capital ratio | 14.6677% | 4,536 |
| Memoranda: | ||
| Average total assets | $104,991,500 | 4,520 |
| Average earning assets | $95,911,000 | 4,549 |
| Average equity | $9,034,500 | 5,003 |
| Average total loans | $61,934,500 | 4,466 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 3,331 |
| Cost of funding earning assets | 0.5433% | 2,404 |
| Net interest margin | 3.5588% | 3,537 |
| Noninterest income to average assets | 0.4503% | 3,871 |
| Noninterest expense to average assets | 3.1327% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5666% | 4,515 |
| Return on assets (ROA) | 0.5666% | 4,619 |
| Pretax return on assets | 0.5666% | 5,066 |
| Return on Equity (ROE) | 6.7762% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.7762% | 1,884 |
| Net charge-offs to loans | -0.3444% | 6,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6828% | 1,428 |
| Assets per employee ($millions) | 4.2675% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3018% | 898 |
| Loan loss allowance to noncurrent loans | 217.1091% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 1.2615% | 2,590 |
| Noncurrent loans to loans | 1.0602% | 3,109 |
| Net loans and leases to total assets | 61.0024% | 3,566 |
| Net loans and leases to deposits | 70.4223% | 3,766 |
| Net loans and leases to core deposits | 76.5530% | 3,567 |
| Total domestic deposits to total assets | 86.6236% | 2,683 |
| Equity capital to assets | 9.1487% | 5,159 |
| Core capital (leverage) ratio | 9.4273% | 4,434 |
| Tier 1 risk-based capital ratio | 12.9818% | 4,922 |
| Total risk-based capital ratio | 14.2398% | 4,856 |
| Memoranda: | ||
| Average total assets | $104,830,330 | 4,559 |
| Average earning assets | $95,706,330 | 4,588 |
| Average equity | $8,766,000 | 5,095 |
| Average total loans | $60,983,330 | 4,519 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 4,347 |
| Cost of funding earning assets | 0.5416% | 2,484 |
| Net interest margin | 3.2910% | 4,583 |
| Noninterest income to average assets | 0.2112% | 5,664 |
| Noninterest expense to average assets | 3.2065% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0075% | 6,200 |
| Return on assets (ROA) | 0.0075% | 6,218 |
| Pretax return on assets | 0.0075% | 6,208 |
| Return on Equity (ROE) | 0.0945% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.0945% | 5,523 |
| Net charge-offs to loans | 0.1479% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.0909% | 3,421 |
| Efficiency ratio | 99.7653% | 475 |
| Assets per employee ($millions) | 4.3203% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 1,077 |
| Loan loss allowance to noncurrent loans | 223.0514% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.3358% | 2,648 |
| Noncurrent loans to loans | 1.0171% | 3,386 |
| Net loans and leases to total assets | 55.8816% | 4,156 |
| Net loans and leases to deposits | 65.7058% | 4,130 |
| Net loans and leases to core deposits | 71.1652% | 3,962 |
| Total domestic deposits to total assets | 85.0483% | 3,842 |
| Equity capital to assets | 8.3935% | 5,748 |
| Core capital (leverage) ratio | 9.2507% | 4,647 |
| Tier 1 risk-based capital ratio | 13.7446% | 4,505 |
| Total risk-based capital ratio | 15.0034% | 4,453 |
| Memoranda: | ||
| Average total assets | $106,036,000 | 4,585 |
| Average earning assets | $96,748,500 | 4,604 |
| Average equity | $8,464,000 | 5,187 |
| Average total loans | $59,500,000 | 4,611 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 4,037 |
| Cost of funding earning assets | 0.6101% | 2,569 |
| Net interest margin | 3.4059% | 4,252 |
| Noninterest income to average assets | 0.3248% | 5,014 |
| Noninterest expense to average assets | 3.3132% | 2,109 |
| Loan and lease loss provision to assets | -0.1704% | 6,568 |
| Net operating income to assets | 0.2850% | 5,571 |
| Return on assets (ROA) | 0.2850% | 5,668 |
| Pretax return on assets | 0.2850% | 5,769 |
| Return on Equity (ROE) | 3.3174% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.3174% | 3,874 |
| Net charge-offs to loans | 0.1748% | 3,083 |
| Credit loss provision to net charge-offs | -183.6735% | 5,981 |
| Earnings coverage of net charge-offs (x) | 1.2347% | 4,657 |
| Efficiency ratio | 96.6575% | 606 |
| Assets per employee ($millions) | 4.5160% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2893% | 1,052 |
| Loan loss allowance to noncurrent loans | 115.9457% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3729% | 2,684 |
| Noncurrent loans to loans | 1.9744% | 2,018 |
| Net loans and leases to total assets | 53.8322% | 4,601 |
| Net loans and leases to deposits | 62.6480% | 4,662 |
| Net loans and leases to core deposits | 67.3531% | 4,576 |
| Total domestic deposits to total assets | 85.9279% | 3,296 |
| Equity capital to assets | 7.5887% | 6,239 |
| Core capital (leverage) ratio | 9.1062% | 4,849 |
| Tier 1 risk-based capital ratio | 13.7116% | 4,513 |
| Total risk-based capital ratio | 14.9705% | 4,451 |
| Memoranda: | ||
| Average total assets | $105,606,400 | 4,604 |
| Average earning assets | $96,216,600 | 4,612 |
| Average equity | $9,073,400 | 5,067 |
| Average total loans | $56,077,800 | 4,748 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 3,710 |
| Cost of funding earning assets | 0.6244% | 2,615 |
| Net interest margin | 3.4878% | 3,931 |
| Noninterest income to average assets | 0.3393% | 4,976 |
| Noninterest expense to average assets | 3.3627% | 1,912 |
| Loan and lease loss provision to assets | -0.1144% | 6,646 |
| Net operating income to assets | 0.2643% | 5,738 |
| Return on assets (ROA) | 0.2643% | 5,840 |
| Pretax return on assets | 0.2643% | 5,943 |
| Return on Equity (ROE) | 2.9867% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.9867% | 4,538 |
| Net charge-offs to loans | 0.1523% | 3,022 |
| Credit loss provision to net charge-offs | -142.8571% | 5,841 |
| Earnings coverage of net charge-offs (x) | 1.8730% | 4,205 |
| Efficiency ratio | 95.7308% | 639 |
| Assets per employee ($millions) | 4.1747% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6395% | 797 |
| Loan loss allowance to noncurrent loans | 122.9184% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 2,436 |
| Noncurrent loans to loans | 2.1473% | 2,074 |
| Net loans and leases to total assets | 52.6962% | 4,795 |
| Net loans and leases to deposits | 61.8574% | 4,782 |
| Net loans and leases to core deposits | 66.3346% | 4,681 |
| Total domestic deposits to total assets | 85.1899% | 3,641 |
| Equity capital to assets | 8.0302% | 6,134 |
| Core capital (leverage) ratio | 9.2813% | 4,714 |
| Tier 1 risk-based capital ratio | 13.9242% | 4,483 |
| Total risk-based capital ratio | 15.1859% | 4,428 |
| Memoranda: | ||
| Average total assets | $104,911,750 | 4,668 |
| Average earning assets | $95,453,500 | 4,682 |
| Average equity | $9,285,500 | 5,075 |
| Average total loans | $55,169,000 | 4,818 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 3,595 |
| Cost of funding earning assets | 0.6334% | 2,648 |
| Net interest margin | 3.5037% | 3,770 |
| Noninterest income to average assets | 0.2702% | 5,524 |
| Noninterest expense to average assets | 3.3761% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0837% | 6,169 |
| Return on assets (ROA) | 0.0837% | 6,254 |
| Pretax return on assets | 0.0837% | 6,256 |
| Return on Equity (ROE) | 0.9179% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.9179% | 5,534 |
| Net charge-offs to loans | 0.2010% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 4,260 |
| Efficiency ratio | 97.5798% | 589 |
| Assets per employee ($millions) | 3.9196% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7844% | 723 |
| Loan loss allowance to noncurrent loans | 78.1988% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.5366% | 1,665 |
| Noncurrent loans to loans | 3.5607% | 1,167 |
| Net loans and leases to total assets | 54.4388% | 4,527 |
| Net loans and leases to deposits | 63.0934% | 4,610 |
| Net loans and leases to core deposits | 66.8982% | 4,602 |
| Total domestic deposits to total assets | 86.2829% | 3,214 |
| Equity capital to assets | 8.6950% | 5,559 |
| Core capital (leverage) ratio | 9.0863% | 4,845 |
| Tier 1 risk-based capital ratio | 13.7570% | 4,602 |
| Total risk-based capital ratio | 15.0209% | 4,562 |
| Memoranda: | ||
| Average total assets | $105,093,000 | 4,701 |
| Average earning assets | $95,670,670 | 4,704 |
| Average equity | $9,587,000 | 5,039 |
| Average total loans | $54,729,000 | 4,862 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 3,601 |
| Cost of funding earning assets | 0.6451% | 2,707 |
| Net interest margin | 3.4843% | 3,770 |
| Noninterest income to average assets | 0.2587% | 5,610 |
| Noninterest expense to average assets | 3.3294% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1087% | 6,129 |
| Return on assets (ROA) | 0.1087% | 6,225 |
| Pretax return on assets | 0.1087% | 6,244 |
| Return on Equity (ROE) | 1.1658% | 6,181 |
| Retained earnings to average equity (ytd only) | 1.1658% | 5,383 |
| Net charge-offs to loans | -0.0299% | 5,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8375% | 688 |
| Assets per employee ($millions) | 4.0716% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0395% | 634 |
| Loan loss allowance to noncurrent loans | 61.4382% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.6979% | 1,679 |
| Noncurrent loans to loans | 4.9473% | 776 |
| Net loans and leases to total assets | 49.6902% | 5,033 |
| Net loans and leases to deposits | 58.1210% | 5,017 |
| Net loans and leases to core deposits | 61.3396% | 5,011 |
| Total domestic deposits to total assets | 85.4943% | 3,799 |
| Equity capital to assets | 9.3575% | 5,050 |
| Core capital (leverage) ratio | 8.8458% | 5,126 |
| Tier 1 risk-based capital ratio | 14.2775% | 4,301 |
| Total risk-based capital ratio | 15.5427% | 4,262 |
| Memoranda: | ||
| Average total assets | $106,685,000 | 4,698 |
| Average earning assets | $97,350,500 | 4,707 |
| Average equity | $9,950,000 | 4,995 |
| Average total loans | $53,560,000 | 4,928 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 5,556 |
| Cost of funding earning assets | 0.8216% | 2,494 |
| Net interest margin | 3.0858% | 5,851 |
| Noninterest income to average assets | 0.2811% | 5,459 |
| Noninterest expense to average assets | 3.9813% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.9586% | 6,733 |
| Return on assets (ROA) | -0.8538% | 6,715 |
| Pretax return on assets | -0.8538% | 6,690 |
| Return on Equity (ROE) | -8.4098% | 6,691 |
| Retained earnings to average equity (ytd only) | -8.4098% | 6,590 |
| Net charge-offs to loans | 0.1917% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -9.9604% | 5,941 |
| Efficiency ratio | 131.7150% | 153 |
| Assets per employee ($millions) | 3.9818% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1115% | 597 |
| Loan loss allowance to noncurrent loans | 50.6778% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 3.1793% | 1,465 |
| Noncurrent loans to loans | 6.1398% | 579 |
| Net loans and leases to total assets | 47.6458% | 5,449 |
| Net loans and leases to deposits | 55.6657% | 5,480 |
| Net loans and leases to core deposits | 58.4818% | 5,499 |
| Total domestic deposits to total assets | 85.5927% | 3,564 |
| Equity capital to assets | 9.2961% | 5,158 |
| Core capital (leverage) ratio | 8.6579% | 5,387 |
| Tier 1 risk-based capital ratio | 14.8696% | 3,790 |
| Total risk-based capital ratio | 16.1360% | 3,733 |
| Memoranda: | ||
| Average total assets | $104,940,200 | 4,709 |
| Average earning assets | $93,233,200 | 4,771 |
| Average equity | $10,654,200 | 4,828 |
| Average total loans | $52,696,800 | 4,990 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 5,763 |
| Cost of funding earning assets | 0.8466% | 2,570 |
| Net interest margin | 3.0632% | 6,035 |
| Noninterest income to average assets | 0.3234% | 5,197 |
| Noninterest expense to average assets | 3.4682% | 1,835 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4436% | 6,671 |
| Return on assets (ROA) | -0.4436% | 6,714 |
| Pretax return on assets | -0.4436% | 6,681 |
| Return on Equity (ROE) | -4.2763% | 6,694 |
| Retained earnings to average equity (ytd only) | -4.2763% | 6,577 |
| Net charge-offs to loans | 0.2583% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -3.4019% | 5,683 |
| Efficiency ratio | 114.6661% | 239 |
| Assets per employee ($millions) | 3.9274% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1711% | 616 |
| Loan loss allowance to noncurrent loans | 40.6977% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 5.6799% | 737 |
| Noncurrent loans to loans | 7.7920% | 417 |
| Net loans and leases to total assets | 47.3675% | 5,624 |
| Net loans and leases to deposits | 55.7351% | 5,657 |
| Net loans and leases to core deposits | 59.8670% | 5,574 |
| Total domestic deposits to total assets | 84.9869% | 3,746 |
| Equity capital to assets | 10.1121% | 4,334 |
| Core capital (leverage) ratio | 9.6020% | 4,113 |
| Tier 1 risk-based capital ratio | 15.4344% | 3,576 |
| Total risk-based capital ratio | 16.7011% | 3,523 |
| Memoranda: | ||
| Average total assets | $104,298,250 | 4,768 |
| Average earning assets | $91,971,000 | 4,848 |
| Average equity | $10,819,250 | 4,844 |
| Average total loans | $52,654,000 | 5,043 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 5,679 |
| Cost of funding earning assets | 0.8736% | 2,624 |
| Net interest margin | 3.1147% | 5,962 |
| Noninterest income to average assets | 0.3394% | 5,112 |
| Noninterest expense to average assets | 3.3533% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2777% | 6,600 |
| Return on assets (ROA) | -0.2777% | 6,661 |
| Pretax return on assets | -0.2777% | 6,625 |
| Return on Equity (ROE) | -2.6541% | 6,655 |
| Retained earnings to average equity (ytd only) | -2.6541% | 6,424 |
| Net charge-offs to loans | 0.0529% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -10.2857% | 5,466 |
| Efficiency ratio | 109.0282% | 344 |
| Assets per employee ($millions) | 3.9114% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2687% | 608 |
| Loan loss allowance to noncurrent loans | 41.0761% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 6.6501% | 611 |
| Noncurrent loans to loans | 7.9577% | 440 |
| Net loans and leases to total assets | 50.4292% | 5,299 |
| Net loans and leases to deposits | 59.9726% | 5,240 |
| Net loans and leases to core deposits | 63.5218% | 5,257 |
| Total domestic deposits to total assets | 84.0870% | 4,285 |
| Equity capital to assets | 10.6984% | 3,459 |
| Core capital (leverage) ratio | 10.0580% | 3,341 |
| Tier 1 risk-based capital ratio | 15.4783% | 3,456 |
| Total risk-based capital ratio | 16.7461% | 3,410 |
| Memoranda: | ||
| Average total assets | $103,717,330 | 4,809 |
| Average earning assets | $91,116,330 | 4,894 |
| Average equity | $10,851,330 | 4,845 |
| Average total loans | $52,914,000 | 5,064 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 5,647 |
| Cost of funding earning assets | 0.8979% | 2,713 |
| Net interest margin | 3.1382% | 5,938 |
| Noninterest income to average assets | 0.2368% | 5,938 |
| Noninterest expense to average assets | 3.5444% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5576% | 6,859 |
| Return on assets (ROA) | -0.5576% | 6,882 |
| Pretax return on assets | -0.5576% | 6,852 |
| Return on Equity (ROE) | -5.3889% | 6,864 |
| Retained earnings to average equity (ytd only) | -5.3889% | 6,608 |
| Net charge-offs to loans | 0.1438% | 3,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -7.6842% | 4,683 |
| Efficiency ratio | 118.6701% | 230 |
| Assets per employee ($millions) | 3.5962% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2801% | 629 |
| Loan loss allowance to noncurrent loans | 56.5260% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 5.3533% | 942 |
| Noncurrent loans to loans | 5.8029% | 891 |
| Net loans and leases to total assets | 48.8570% | 5,446 |
| Net loans and leases to deposits | 58.1052% | 5,364 |
| Net loans and leases to core deposits | 61.4536% | 5,385 |
| Total domestic deposits to total assets | 84.0838% | 4,443 |
| Equity capital to assets | 10.3059% | 3,723 |
| Core capital (leverage) ratio | 9.7995% | 3,644 |
| Tier 1 risk-based capital ratio | 15.5024% | 3,449 |
| Total risk-based capital ratio | 16.7694% | 3,413 |
| Memoranda: | ||
| Average total assets | $104,727,500 | 4,817 |
| Average earning assets | $91,773,000 | 4,916 |
| Average equity | $10,837,000 | 4,854 |
| Average total loans | $52,862,000 | 5,109 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 3,034 |
| Cost of funding earning assets | 1.0762% | 2,835 |
| Net interest margin | 3.8919% | 3,368 |
| Noninterest income to average assets | 0.3987% | 4,624 |
| Noninterest expense to average assets | 3.5969% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1776% | 5,651 |
| Return on assets (ROA) | 0.1824% | 5,776 |
| Pretax return on assets | 0.1824% | 5,827 |
| Return on Equity (ROE) | 1.8101% | 5,732 |
| Retained earnings to average equity (ytd only) | 1.8101% | 4,922 |
| Net charge-offs to loans | 0.5100% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.6551% | 5,330 |
| Efficiency ratio | 95.2941% | 855 |
| Assets per employee ($millions) | 3.5055% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2936% | 626 |
| Loan loss allowance to noncurrent loans | 52.6205% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 5.5342% | 922 |
| Noncurrent loans to loans | 6.2591% | 776 |
| Net loans and leases to total assets | 48.7767% | 5,745 |
| Net loans and leases to deposits | 58.3678% | 5,665 |
| Net loans and leases to core deposits | 62.0949% | 5,645 |
| Total domestic deposits to total assets | 83.5677% | 4,506 |
| Equity capital to assets | 10.3894% | 3,669 |
| Core capital (leverage) ratio | 9.5386% | 3,964 |
| Tier 1 risk-based capital ratio | 15.4891% | 3,331 |
| Total risk-based capital ratio | 16.7566% | 3,272 |
| Memoranda: | ||
| Average total assets | $105,840,000 | 4,736 |
| Average earning assets | $91,806,800 | 4,863 |
| Average equity | $10,662,200 | 4,875 |
| Average total loans | $56,276,400 | 5,016 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1495% | 2,392 |
| Cost of funding earning assets | 1.0896% | 3,046 |
| Net interest margin | 4.0599% | 2,647 |
| Noninterest income to average assets | 0.4389% | 4,371 |
| Noninterest expense to average assets | 3.6675% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2956% | 5,410 |
| Return on assets (ROA) | 0.3019% | 5,560 |
| Pretax return on assets | 0.3019% | 5,703 |
| Return on Equity (ROE) | 3.0198% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.0198% | 4,534 |
| Net charge-offs to loans | 0.4718% | 2,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.1634% | 4,749 |
| Efficiency ratio | 92.5421% | 994 |
| Assets per employee ($millions) | 3.7091% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5269% | 553 |
| Loan loss allowance to noncurrent loans | 48.9572% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 6.1972% | 849 |
| Noncurrent loans to loans | 7.2041% | 675 |
| Net loans and leases to total assets | 46.5616% | 6,100 |
| Net loans and leases to deposits | 57.3989% | 5,900 |
| Net loans and leases to core deposits | 61.0922% | 5,901 |
| Total domestic deposits to total assets | 81.1193% | 5,394 |
| Equity capital to assets | 10.3454% | 3,903 |
| Core capital (leverage) ratio | 9.7558% | 3,762 |
| Tier 1 risk-based capital ratio | 15.4943% | 3,390 |
| Total risk-based capital ratio | 16.7625% | 3,347 |
| Memoranda: | ||
| Average total assets | $106,008,750 | 4,762 |
| Average earning assets | $92,020,250 | 4,898 |
| Average equity | $10,596,250 | 4,894 |
| Average total loans | $57,084,750 | 5,029 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6065% | 1,062 |
| Cost of funding earning assets | 1.1147% | 3,129 |
| Net interest margin | 4.4917% | 1,152 |
| Noninterest income to average assets | 0.3887% | 4,770 |
| Noninterest expense to average assets | 3.9264% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3583% | 5,140 |
| Return on assets (ROA) | 0.3678% | 5,234 |
| Pretax return on assets | 0.3678% | 5,494 |
| Return on Equity (ROE) | 3.7240% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.7240% | 3,845 |
| Net charge-offs to loans | 0.5748% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.1183% | 4,437 |
| Efficiency ratio | 91.6372% | 1,118 |
| Assets per employee ($millions) | 3.6374% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5616% | 575 |
| Loan loss allowance to noncurrent loans | 76.1535% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 5.3221% | 1,131 |
| Noncurrent loans to loans | 4.6769% | 1,409 |
| Net loans and leases to total assets | 47.8732% | 6,063 |
| Net loans and leases to deposits | 59.0563% | 5,816 |
| Net loans and leases to core deposits | 62.3137% | 5,877 |
| Total domestic deposits to total assets | 81.0637% | 5,505 |
| Equity capital to assets | 10.2033% | 3,874 |
| Core capital (leverage) ratio | 9.8351% | 3,473 |
| Tier 1 risk-based capital ratio | 15.3366% | 3,333 |
| Total risk-based capital ratio | 16.6050% | 3,273 |
| Memoranda: | ||
| Average total assets | $105,490,000 | 4,811 |
| Average earning assets | $91,501,670 | 4,948 |
| Average equity | $10,419,000 | 4,947 |
| Average total loans | $58,808,000 | 5,015 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8841% | 618 |
| Cost of funding earning assets | 1.1367% | 3,253 |
| Net interest margin | 4.7473% | 642 |
| Noninterest income to average assets | 0.4171% | 4,567 |
| Noninterest expense to average assets | 4.2164% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3337% | 5,255 |
| Return on assets (ROA) | 0.3526% | 5,244 |
| Pretax return on assets | 0.3526% | 5,495 |
| Return on Equity (ROE) | 3.6303% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.6303% | 4,002 |
| Net charge-offs to loans | 0.8383% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.6769% | 4,116 |
| Efficiency ratio | 92.6667% | 1,119 |
| Assets per employee ($millions) | 3.2592% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3068% | 706 |
| Loan loss allowance to noncurrent loans | 53.7398% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 6.0646% | 945 |
| Noncurrent loans to loans | 6.1533% | 1,013 |
| Net loans and leases to total assets | 53.3833% | 5,394 |
| Net loans and leases to deposits | 66.2072% | 4,946 |
| Net loans and leases to core deposits | 69.9241% | 5,052 |
| Total domestic deposits to total assets | 80.6305% | 5,778 |
| Equity capital to assets | 9.8712% | 3,934 |
| Core capital (leverage) ratio | 9.7412% | 3,467 |
| Tier 1 risk-based capital ratio | 14.2501% | 3,907 |
| Total risk-based capital ratio | 15.5173% | 3,855 |
| Memoranda: | ||
| Average total assets | $105,492,500 | 4,851 |
| Average earning assets | $91,841,000 | 4,974 |
| Average equity | $10,247,000 | 4,976 |
| Average total loans | $62,030,000 | 4,905 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5533% | 2,071 |
| Cost of funding earning assets | 1.5061% | 2,598 |
| Net interest margin | 4.0471% | 2,812 |
| Noninterest income to average assets | 0.3359% | 5,382 |
| Noninterest expense to average assets | 3.9185% | 1,287 |
| Loan and lease loss provision to assets | 0.2637% | 4,686 |
| Net operating income to assets | -0.3581% | 6,272 |
| Return on assets (ROA) | -0.7041% | 6,558 |
| Pretax return on assets | -0.7041% | 6,461 |
| Return on Equity (ROE) | -6.9892% | 6,555 |
| Retained earnings to average equity (ytd only) | -6.9892% | 6,457 |
| Net charge-offs to loans | 0.7187% | 2,860 |
| Credit loss provision to net charge-offs | 51.9126% | 6,230 |
| Earnings coverage of net charge-offs (x) | -0.1858% | 6,283 |
| Efficiency ratio | 102.4679% | 705 |
| Assets per employee ($millions) | 3.3341% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0580% | 827 |
| Loan loss allowance to noncurrent loans | 29.8488% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 8.7682% | 525 |
| Noncurrent loans to loans | 10.2450% | 404 |
| Net loans and leases to total assets | 60.4057% | 4,605 |
| Net loans and leases to deposits | 75.2343% | 3,976 |
| Net loans and leases to core deposits | 79.6195% | 4,261 |
| Total domestic deposits to total assets | 80.2900% | 5,754 |
| Equity capital to assets | 9.5593% | 4,328 |
| Core capital (leverage) ratio | 9.3251% | 3,970 |
| Tier 1 risk-based capital ratio | 12.5506% | 4,978 |
| Total risk-based capital ratio | 13.8163% | 4,950 |
| Memoranda: | ||
| Average total assets | $108,075,800 | 4,770 |
| Average earning assets | $93,152,000 | 4,913 |
| Average equity | $10,888,200 | 4,891 |
| Average total loans | $76,383,800 | 4,439 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7312% | 1,604 |
| Cost of funding earning assets | 1.5887% | 2,450 |
| Net interest margin | 4.1425% | 2,439 |
| Noninterest income to average assets | 0.3333% | 5,497 |
| Noninterest expense to average assets | 3.7667% | 1,438 |
| Loan and lease loss provision to assets | 0.3136% | 4,073 |
| Net operating income to assets | -0.1845% | 6,303 |
| Return on assets (ROA) | -0.6444% | 6,741 |
| Pretax return on assets | -0.6444% | 6,644 |
| Return on Equity (ROE) | -6.3166% | 6,747 |
| Retained earnings to average equity (ytd only) | -6.3166% | 6,667 |
| Net charge-offs to loans | 0.3331% | 3,992 |
| Credit loss provision to net charge-offs | 129.4416% | 3,129 |
| Earnings coverage of net charge-offs (x) | 0.5330% | 5,493 |
| Efficiency ratio | 96.6856% | 882 |
| Assets per employee ($millions) | 3.0499% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2198% | 688 |
| Loan loss allowance to noncurrent loans | 25.1496% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 10.8229% | 340 |
| Noncurrent loans to loans | 12.8028% | 239 |
| Net loans and leases to total assets | 66.2835% | 3,624 |
| Net loans and leases to deposits | 82.9961% | 2,913 |
| Net loans and leases to core deposits | 87.5854% | 3,429 |
| Total domestic deposits to total assets | 79.8634% | 5,747 |
| Equity capital to assets | 10.0079% | 4,148 |
| Core capital (leverage) ratio | 9.6235% | 3,727 |
| Tier 1 risk-based capital ratio | 12.1606% | 5,312 |
| Total risk-based capital ratio | 13.4297% | 5,261 |
| Memoranda: | ||
| Average total assets | $108,421,750 | 4,822 |
| Average earning assets | $93,242,250 | 4,972 |
| Average equity | $11,060,500 | 4,910 |
| Average total loans | $78,859,500 | 4,438 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1624% | 669 |
| Cost of funding earning assets | 1.7049% | 2,100 |
| Net interest margin | 4.4575% | 1,300 |
| Noninterest income to average assets | 0.2863% | 5,854 |
| Noninterest expense to average assets | 3.7291% | 1,499 |
| Loan and lease loss provision to assets | 0.4129% | 3,254 |
| Net operating income to assets | -0.0220% | 6,109 |
| Return on assets (ROA) | -0.0220% | 6,204 |
| Pretax return on assets | -0.0220% | 6,173 |
| Return on Equity (ROE) | -0.2145% | 6,208 |
| Retained earnings to average equity (ytd only) | -0.2145% | 5,774 |
| Net charge-offs to loans | 0.5026% | 3,027 |
| Credit loss provision to net charge-offs | 110.8374% | 3,662 |
| Earnings coverage of net charge-offs (x) | 1.0493% | 4,745 |
| Efficiency ratio | 90.5122% | 1,296 |
| Assets per employee ($millions) | 2.9236% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0916% | 763 |
| Loan loss allowance to noncurrent loans | 35.8645% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 9.1307% | 485 |
| Noncurrent loans to loans | 8.6203% | 572 |
| Net loans and leases to total assets | 71.0384% | 2,643 |
| Net loans and leases to deposits | 93.4535% | 1,345 |
| Net loans and leases to core deposits | 99.5453% | 2,068 |
| Total domestic deposits to total assets | 76.0147% | 6,690 |
| Equity capital to assets | 10.9543% | 2,912 |
| Core capital (leverage) ratio | 10.2914% | 2,837 |
| Tier 1 risk-based capital ratio | 12.4695% | 4,886 |
| Total risk-based capital ratio | 13.7369% | 4,851 |
| Memoranda: | ||
| Average total assets | $108,980,330 | 4,833 |
| Average earning assets | $93,730,000 | 4,994 |
| Average equity | $11,186,330 | 4,883 |
| Average total loans | $80,776,330 | 4,424 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1033% | 774 |
| Cost of funding earning assets | 1.7644% | 2,045 |
| Net interest margin | 4.3389% | 1,568 |
| Noninterest income to average assets | 0.2921% | 5,809 |
| Noninterest expense to average assets | 3.5759% | 1,794 |
| Loan and lease loss provision to assets | 0.3989% | 2,981 |
| Net operating income to assets | 0.0748% | 6,097 |
| Return on assets (ROA) | 0.0748% | 6,205 |
| Pretax return on assets | 0.0748% | 6,201 |
| Return on Equity (ROE) | 0.7517% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.7517% | 5,523 |
| Net charge-offs to loans | 0.6311% | 2,242 |
| Credit loss provision to net charge-offs | 84.8485% | 3,776 |
| Earnings coverage of net charge-offs (x) | 1.0076% | 4,167 |
| Efficiency ratio | 88.3026% | 1,559 |
| Assets per employee ($millions) | 3.3743% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8381% | 944 |
| Loan loss allowance to noncurrent loans | 57.4565% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 6.0680% | 982 |
| Noncurrent loans to loans | 4.9395% | 1,471 |
| Net loans and leases to total assets | 72.1941% | 2,407 |
| Net loans and leases to deposits | 96.3191% | 1,071 |
| Net loans and leases to core deposits | 104.0775% | 1,733 |
| Total domestic deposits to total assets | 74.9530% | 6,910 |
| Equity capital to assets | 10.3735% | 3,373 |
| Core capital (leverage) ratio | 9.7745% | 3,427 |
| Tier 1 risk-based capital ratio | 11.7365% | 5,457 |
| Total risk-based capital ratio | 13.0013% | 5,389 |
| Memoranda: | ||
| Average total assets | $112,308,000 | 4,813 |
| Average earning assets | $97,259,000 | 4,947 |
| Average equity | $11,175,000 | 4,931 |
| Average total loans | $83,660,000 | 4,396 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5002% | 672 |
| Cost of funding earning assets | 2.1580% | 2,200 |
| Net interest margin | 4.3422% | 1,597 |
| Noninterest income to average assets | 0.4190% | 5,054 |
| Noninterest expense to average assets | 3.6144% | 2,112 |
| Loan and lease loss provision to assets | 1.0055% | 2,266 |
| Net operating income to assets | -0.4138% | 6,096 |
| Return on assets (ROA) | -0.4138% | 6,092 |
| Pretax return on assets | -0.4138% | 5,931 |
| Return on Equity (ROE) | -4.1695% | 6,128 |
| Retained earnings to average equity (ytd only) | -4.1695% | 5,896 |
| Net charge-offs to loans | 0.8080% | 2,806 |
| Credit loss provision to net charge-offs | 162.2348% | 2,719 |
| Earnings coverage of net charge-offs (x) | 0.9547% | 5,160 |
| Efficiency ratio | 85.9316% | 2,121 |
| Assets per employee ($millions) | 3.3325% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6375% | 1,084 |
| Loan loss allowance to noncurrent loans | 55.9971% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 5.3173% | 1,111 |
| Noncurrent loans to loans | 4.7101% | 1,485 |
| Net loans and leases to total assets | 72.6970% | 2,583 |
| Net loans and leases to deposits | 94.4990% | 1,529 |
| Net loans and leases to core deposits | 103.7198% | 3,601 |
| Total domestic deposits to total assets | 76.9288% | 6,500 |
| Equity capital to assets | 9.5586% | 4,343 |
| Core capital (leverage) ratio | 9.5037% | 3,714 |
| Tier 1 risk-based capital ratio | 10.9633% | 5,948 |
| Total risk-based capital ratio | 12.2260% | 5,907 |
| Memoranda: | ||
| Average total assets | $114,070,600 | 4,723 |
| Average earning assets | $99,488,600 | 4,853 |
| Average equity | $11,320,400 | 4,930 |
| Average total loans | $87,496,400 | 4,287 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5490% | 676 |
| Cost of funding earning assets | 2.2184% | 2,316 |
| Net interest margin | 4.3305% | 1,642 |
| Noninterest income to average assets | 0.3209% | 5,912 |
| Noninterest expense to average assets | 3.6239% | 1,974 |
| Loan and lease loss provision to assets | 1.1355% | 1,720 |
| Net operating income to assets | -0.6571% | 6,571 |
| Return on assets (ROA) | -0.6571% | 6,579 |
| Pretax return on assets | -0.6571% | 6,450 |
| Return on Equity (ROE) | -6.5590% | 6,615 |
| Retained earnings to average equity (ytd only) | -6.5590% | 6,455 |
| Net charge-offs to loans | 0.5890% | 2,909 |
| Credit loss provision to net charge-offs | 249.6124% | 1,729 |
| Earnings coverage of net charge-offs (x) | 1.0517% | 5,003 |
| Efficiency ratio | 88.3381% | 1,835 |
| Assets per employee ($millions) | 2.8444% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7620% | 823 |
| Loan loss allowance to noncurrent loans | 45.4139% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 6.2949% | 824 |
| Noncurrent loans to loans | 6.0818% | 964 |
| Net loans and leases to total assets | 75.3777% | 2,138 |
| Net loans and leases to deposits | 101.1798% | 996 |
| Net loans and leases to core deposits | 111.6026% | 3,059 |
| Total domestic deposits to total assets | 74.4988% | 6,866 |
| Equity capital to assets | 9.7746% | 4,382 |
| Core capital (leverage) ratio | 9.4748% | 3,946 |
| Tier 1 risk-based capital ratio | 10.9759% | 5,977 |
| Total risk-based capital ratio | 12.2410% | 5,928 |
| Memoranda: | ||
| Average total assets | $113,428,500 | 4,766 |
| Average earning assets | $99,046,000 | 4,889 |
| Average equity | $11,363,250 | 4,960 |
| Average total loans | $87,598,000 | 4,316 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5307% | 768 |
| Cost of funding earning assets | 2.2557% | 2,546 |
| Net interest margin | 4.2750% | 1,730 |
| Noninterest income to average assets | 0.3159% | 5,980 |
| Noninterest expense to average assets | 3.6995% | 1,838 |
| Loan and lease loss provision to assets | 1.2249% | 1,404 |
| Net operating income to assets | -0.8755% | 6,886 |
| Return on assets (ROA) | -0.8755% | 6,893 |
| Pretax return on assets | -0.8755% | 6,733 |
| Return on Equity (ROE) | -8.6683% | 6,944 |
| Retained earnings to average equity (ytd only) | -8.6683% | 6,736 |
| Net charge-offs to loans | 0.4531% | 3,011 |
| Credit loss provision to net charge-offs | 350.5051% | 1,321 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,784 |
| Efficiency ratio | 91.3688% | 1,691 |
| Assets per employee ($millions) | 2.9001% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6775% | 766 |
| Loan loss allowance to noncurrent loans | 48.7466% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 5.9813% | 810 |
| Noncurrent loans to loans | 5.4926% | 1,060 |
| Net loans and leases to total assets | 75.6211% | 2,282 |
| Net loans and leases to deposits | 99.6981% | 1,318 |
| Net loans and leases to core deposits | 109.9062% | 3,385 |
| Total domestic deposits to total assets | 75.8501% | 6,586 |
| Equity capital to assets | 9.7929% | 4,220 |
| Core capital (leverage) ratio | 9.4827% | 3,914 |
| Tier 1 risk-based capital ratio | 10.9563% | 5,921 |
| Total risk-based capital ratio | 12.2199% | 5,841 |
| Memoranda: | ||
| Average total assets | $113,313,000 | 4,793 |
| Average earning assets | $98,948,330 | 4,921 |
| Average equity | $11,444,000 | 4,963 |
| Average total loans | $87,398,330 | 4,345 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5244% | 824 |
| Cost of funding earning assets | 2.2662% | 2,857 |
| Net interest margin | 4.2582% | 1,712 |
| Noninterest income to average assets | 0.2857% | 6,151 |
| Noninterest expense to average assets | 3.3046% | 2,644 |
| Loan and lease loss provision to assets | 0.3879% | 3,001 |
| Net operating income to assets | 0.3174% | 5,233 |
| Return on assets (ROA) | 0.3174% | 5,403 |
| Pretax return on assets | 0.3174% | 5,634 |
| Return on Equity (ROE) | 3.0960% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.0960% | 4,153 |
| Net charge-offs to loans | 0.3901% | 2,536 |
| Credit loss provision to net charge-offs | 129.4118% | 3,097 |
| Earnings coverage of net charge-offs (x) | 2.3529% | 3,551 |
| Efficiency ratio | 82.4099% | 2,483 |
| Assets per employee ($millions) | 2.9710% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2307% | 1,048 |
| Loan loss allowance to noncurrent loans | 45.2209% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 5.6774% | 737 |
| Noncurrent loans to loans | 4.9329% | 1,105 |
| Net loans and leases to total assets | 75.0764% | 2,486 |
| Net loans and leases to deposits | 99.1018% | 1,523 |
| Net loans and leases to core deposits | 110.6048% | 3,353 |
| Total domestic deposits to total assets | 75.7569% | 6,564 |
| Equity capital to assets | 10.6606% | 3,319 |
| Core capital (leverage) ratio | 9.9300% | 3,485 |
| Tier 1 risk-based capital ratio | 11.8534% | 5,079 |
| Total risk-based capital ratio | 13.1118% | 4,978 |
| Memoranda: | ||
| Average total assets | $113,418,500 | 4,813 |
| Average earning assets | $99,197,500 | 4,935 |
| Average equity | $11,628,000 | 4,943 |
| Average total loans | $87,156,500 | 4,385 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2749% | 627 |
| Cost of funding earning assets | 2.6995% | 3,160 |
| Net interest margin | 4.5754% | 1,240 |
| Noninterest income to average assets | 0.3655% | 5,789 |
| Noninterest expense to average assets | 3.5314% | 2,312 |
| Loan and lease loss provision to assets | 0.8505% | 1,755 |
| Net operating income to assets | 0.0455% | 6,247 |
| Return on assets (ROA) | 0.0455% | 6,101 |
| Pretax return on assets | 0.0455% | 6,060 |
| Return on Equity (ROE) | 0.4470% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.4470% | 4,980 |
| Net charge-offs to loans | 0.1432% | 4,784 |
| Credit loss provision to net charge-offs | 763.2000% | 557 |
| Earnings coverage of net charge-offs (x) | 8.0400% | 2,954 |
| Efficiency ratio | 79.7624% | 2,630 |
| Assets per employee ($millions) | 3.1597% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 1,123 |
| Loan loss allowance to noncurrent loans | 37.7719% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 4.3889% | 874 |
| Noncurrent loans to loans | 5.4716% | 752 |
| Net loans and leases to total assets | 75.3081% | 2,805 |
| Net loans and leases to deposits | 100.1672% | 1,818 |
| Net loans and leases to core deposits | 110.0250% | 3,780 |
| Total domestic deposits to total assets | 75.1824% | 6,411 |
| Equity capital to assets | 9.8684% | 4,197 |
| Core capital (leverage) ratio | 9.6490% | 3,833 |
| Tier 1 risk-based capital ratio | 11.5290% | 5,215 |
| Total risk-based capital ratio | 12.7872% | 5,101 |
| Memoranda: | ||
| Average total assets | $112,165,400 | 4,723 |
| Average earning assets | $99,575,600 | 4,813 |
| Average equity | $11,409,400 | 5,000 |
| Average total loans | $87,272,200 | 4,303 |