Home > North Bank > Performance and Condition Ratios
North Bank, Performance and Condition Ratios
| 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 | 3.5512% | 4,856 |
| Cost of funding earning assets | 0.1077% | 6,101 |
| Net interest margin | 3.4435% | 3,742 |
| Noninterest income to average assets | 0.4198% | 3,927 |
| Noninterest expense to average assets | 4.4802% | 430 |
| Loan and lease loss provision to assets | 0.1105% | 1,989 |
| Net operating income to assets | -0.8760% | 6,250 |
| Return on assets (ROA) | -0.3204% | 6,156 |
| Pretax return on assets | -0.3425% | 6,151 |
| Return on Equity (ROE) | -3.1485% | 6,158 |
| Retained earnings to average equity (ytd only) | -3.1485% | 5,929 |
| Net charge-offs to loans | 0.0222% | 3,221 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | -74.5000% | 3,886 |
| Efficiency ratio | 122.5076% | 99 |
| Assets per employee ($millions) | 4.4754% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 1,491 |
| Loan loss allowance to noncurrent loans | 93.5421% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.2575% | 1,992 |
| Noncurrent loans to loans | 1.8713% | 1,347 |
| Net loans and leases to total assets | 47.9568% | 5,108 |
| Net loans and leases to deposits | 53.2074% | 5,307 |
| Net loans and leases to core deposits | 57.0655% | 5,248 |
| Total domestic deposits to total assets | 90.1319% | 608 |
| Equity capital to assets | 9.5311% | 4,612 |
| Core capital (leverage) ratio | 9.7786% | 3,896 |
| Tier 1 risk-based capital ratio | 20.4624% | 1,458 |
| Total risk-based capital ratio | 21.7188% | 1,430 |
| Memoranda: | ||
| Average total assets | $108,610,670 | 4,366 |
| Average earning assets | $102,106,330 | 4,317 |
| Average equity | $11,053,000 | 4,553 |
| Average total loans | $54,167,000 | 4,640 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 4,439 |
| Cost of funding earning assets | 0.1066% | 6,179 |
| Net interest margin | 3.5719% | 3,115 |
| Noninterest income to average assets | 0.2468% | 5,192 |
| Noninterest expense to average assets | 3.3728% | 1,546 |
| Loan and lease loss provision to assets | 0.1122% | 1,842 |
| Net operating income to assets | 0.1608% | 5,760 |
| Return on assets (ROA) | 0.2692% | 5,601 |
| Pretax return on assets | 0.2543% | 5,745 |
| Return on Equity (ROE) | 2.5606% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.5606% | 4,405 |
| Net charge-offs to loans | 0.0371% | 2,465 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,698 |
| Efficiency ratio | 92.8939% | 657 |
| Assets per employee ($millions) | 4.2414% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 1,597 |
| Loan loss allowance to noncurrent loans | 111.5523% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.2326% | 2,170 |
| Noncurrent loans to loans | 1.5748% | 1,776 |
| Net loans and leases to total assets | 48.8914% | 4,949 |
| Net loans and leases to deposits | 55.1517% | 5,110 |
| Net loans and leases to core deposits | 58.5613% | 5,085 |
| Total domestic deposits to total assets | 88.6490% | 1,475 |
| Equity capital to assets | 10.6908% | 3,327 |
| Core capital (leverage) ratio | 10.3324% | 3,184 |
| Tier 1 risk-based capital ratio | 18.9347% | 1,889 |
| Total risk-based capital ratio | 20.1886% | 1,852 |
| Memoranda: | ||
| Average total assets | $106,973,000 | 4,438 |
| Average earning assets | $101,347,500 | 4,356 |
| Average equity | $11,247,500 | 4,553 |
| Average total loans | $53,944,000 | 4,676 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 4,311 |
| Cost of funding earning assets | 0.1447% | 6,128 |
| Net interest margin | 3.7064% | 2,985 |
| Noninterest income to average assets | 0.3594% | 4,528 |
| Noninterest expense to average assets | 3.2178% | 2,168 |
| Loan and lease loss provision to assets | 0.1399% | 1,899 |
| Net operating income to assets | 0.4520% | 5,012 |
| Return on assets (ROA) | 0.5019% | 4,889 |
| Pretax return on assets | 0.5990% | 4,946 |
| Return on Equity (ROE) | 5.3923% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.9080% | 3,432 |
| Net charge-offs to loans | 0.3061% | 1,443 |
| Credit loss provision to net charge-offs | 91.4286% | 2,618 |
| Earnings coverage of net charge-offs (x) | 4.4400% | 3,650 |
| Efficiency ratio | 82.5667% | 1,591 |
| Assets per employee ($millions) | 4.3164% | 3,337 |
| Cash dividends to net income (ytd only)* | 27.5261% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 1,965 |
| Loan loss allowance to noncurrent loans | 112.6092% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 2,328 |
| Noncurrent loans to loans | 1.4532% | 2,023 |
| Net loans and leases to total assets | 50.2423% | 4,946 |
| Net loans and leases to deposits | 56.4337% | 5,154 |
| Net loans and leases to core deposits | 65.4384% | 4,713 |
| Total domestic deposits to total assets | 89.0289% | 1,221 |
| Equity capital to assets | 10.3409% | 3,675 |
| Core capital (leverage) ratio | 9.7139% | 3,956 |
| Tier 1 risk-based capital ratio | 17.3037% | 2,382 |
| Total risk-based capital ratio | 18.5554% | 2,341 |
| Memoranda: | ||
| Average total assets | $114,363,200 | 4,291 |
| Average earning assets | $109,163,000 | 4,201 |
| Average equity | $10,644,800 | 4,628 |
| Average total loans | $57,173,000 | 4,579 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 4,296 |
| Cost of funding earning assets | 0.1460% | 6,208 |
| Net interest margin | 3.7204% | 2,938 |
| Noninterest income to average assets | 0.3932% | 4,299 |
| Noninterest expense to average assets | 3.1914% | 2,203 |
| Loan and lease loss provision to assets | 0.1495% | 1,671 |
| Net operating income to assets | 0.4874% | 4,916 |
| Return on assets (ROA) | 0.4874% | 4,984 |
| Pretax return on assets | 0.5978% | 5,041 |
| Return on Equity (ROE) | 5.3757% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.3757% | 2,837 |
| Net charge-offs to loans | 0.3767% | 1,059 |
| Credit loss provision to net charge-offs | 79.7546% | 2,597 |
| Earnings coverage of net charge-offs (x) | 3.9877% | 3,551 |
| Efficiency ratio | 81.0274% | 1,757 |
| Assets per employee ($millions) | 4.5160% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 2,220 |
| Loan loss allowance to noncurrent loans | 110.0872% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 3,335 |
| Noncurrent loans to loans | 1.4747% | 2,204 |
| Net loans and leases to total assets | 47.4455% | 5,254 |
| Net loans and leases to deposits | 52.9303% | 5,469 |
| Net loans and leases to core deposits | 61.7205% | 5,057 |
| Total domestic deposits to total assets | 89.6377% | 917 |
| Equity capital to assets | 9.7777% | 4,445 |
| Core capital (leverage) ratio | 9.3886% | 4,527 |
| Tier 1 risk-based capital ratio | 17.3153% | 2,464 |
| Total risk-based capital ratio | 18.5669% | 2,423 |
| Memoranda: | ||
| Average total assets | $115,976,250 | 4,302 |
| Average earning assets | $110,523,750 | 4,205 |
| Average equity | $10,516,250 | 4,686 |
| Average total loans | $57,686,500 | 4,605 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 4,117 |
| Cost of funding earning assets | 0.1470% | 6,278 |
| Net interest margin | 3.7583% | 2,723 |
| Noninterest income to average assets | 0.2615% | 5,327 |
| Noninterest expense to average assets | 3.1658% | 2,291 |
| Loan and lease loss provision to assets | 0.1026% | 2,307 |
| Net operating income to assets | 0.4735% | 4,921 |
| Return on assets (ROA) | 0.4735% | 4,991 |
| Pretax return on assets | 0.5778% | 5,029 |
| Return on Equity (ROE) | 5.3568% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.3568% | 2,729 |
| Net charge-offs to loans | 0.5684% | 722 |
| Credit loss provision to net charge-offs | 35.9281% | 2,975 |
| Earnings coverage of net charge-offs (x) | 2.3832% | 3,562 |
| Efficiency ratio | 82.3111% | 1,714 |
| Assets per employee ($millions) | 4.7392% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 3,187 |
| Loan loss allowance to noncurrent loans | 102.5316% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2829% | 2,552 |
| Noncurrent loans to loans | 1.3961% | 2,470 |
| Net loans and leases to total assets | 47.0751% | 5,258 |
| Net loans and leases to deposits | 52.0003% | 5,499 |
| Net loans and leases to core deposits | 65.3746% | 4,695 |
| Total domestic deposits to total assets | 90.5284% | 579 |
| Equity capital to assets | 9.0571% | 5,239 |
| Core capital (leverage) ratio | 8.9822% | 5,045 |
| Tier 1 risk-based capital ratio | 16.3571% | 2,899 |
| Total risk-based capital ratio | 17.5893% | 2,863 |
| Memoranda: | ||
| Average total assets | $117,001,670 | 4,303 |
| Average earning assets | $111,593,000 | 4,198 |
| Average equity | $10,342,000 | 4,734 |
| Average total loans | $58,765,330 | 4,589 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 3,823 |
| Cost of funding earning assets | 0.1477% | 6,365 |
| Net interest margin | 3.8198% | 2,387 |
| Noninterest income to average assets | 0.2615% | 5,268 |
| Noninterest expense to average assets | 3.2169% | 2,173 |
| Loan and lease loss provision to assets | 0.1032% | 2,203 |
| Net operating income to assets | 0.4748% | 4,813 |
| Return on assets (ROA) | 0.4748% | 4,890 |
| Pretax return on assets | 0.5883% | 4,865 |
| Return on Equity (ROE) | 5.4398% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.4398% | 2,824 |
| Net charge-offs to loans | 0.1537% | 1,798 |
| Credit loss provision to net charge-offs | 130.4348% | 1,381 |
| Earnings coverage of net charge-offs (x) | 8.7391% | 1,994 |
| Efficiency ratio | 82.3063% | 1,888 |
| Assets per employee ($millions) | 4.9379% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,025 |
| Loan loss allowance to noncurrent loans | 87.6660% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.6151% | 2,184 |
| Noncurrent loans to loans | 1.7428% | 2,220 |
| Net loans and leases to total assets | 50.2515% | 4,886 |
| Net loans and leases to deposits | 55.2522% | 5,178 |
| Net loans and leases to core deposits | 69.5331% | 4,153 |
| Total domestic deposits to total assets | 90.9493% | 589 |
| Equity capital to assets | 8.7832% | 5,354 |
| Core capital (leverage) ratio | 9.1143% | 4,846 |
| Tier 1 risk-based capital ratio | 15.5920% | 3,383 |
| Total risk-based capital ratio | 16.8434% | 3,350 |
| Memoranda: | ||
| Average total assets | $116,262,000 | 4,361 |
| Average earning assets | $111,000,500 | 4,248 |
| Average equity | $10,147,500 | 4,788 |
| Average total loans | $59,855,500 | 4,594 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,437 |
| Cost of funding earning assets | 0.2014% | 6,285 |
| Net interest margin | 3.7047% | 3,033 |
| Noninterest income to average assets | 0.2828% | 5,332 |
| Noninterest expense to average assets | 3.2703% | 2,220 |
| Loan and lease loss provision to assets | 0.1591% | 2,294 |
| Net operating income to assets | 0.3403% | 5,377 |
| Return on assets (ROA) | 0.3649% | 5,393 |
| Pretax return on assets | 0.4073% | 5,482 |
| Return on Equity (ROE) | 4.0022% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.4711% | 4,497 |
| Net charge-offs to loans | 0.7550% | 839 |
| Credit loss provision to net charge-offs | 40.9091% | 4,023 |
| Earnings coverage of net charge-offs (x) | 1.3864% | 4,598 |
| Efficiency ratio | 85.8502% | 1,427 |
| Assets per employee ($millions) | 4.3852% | 3,112 |
| Cash dividends to net income (ytd only)* | 38.2567% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 2,966 |
| Loan loss allowance to noncurrent loans | 188.6831% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 2,849 |
| Noncurrent loans to loans | 0.8205% | 3,927 |
| Net loans and leases to total assets | 51.1490% | 4,958 |
| Net loans and leases to deposits | 57.0332% | 5,206 |
| Net loans and leases to core deposits | 67.5184% | 4,561 |
| Total domestic deposits to total assets | 89.6828% | 1,230 |
| Equity capital to assets | 8.6709% | 5,404 |
| Core capital (leverage) ratio | 9.2087% | 4,709 |
| Tier 1 risk-based capital ratio | 15.3294% | 3,464 |
| Total risk-based capital ratio | 16.5803% | 3,417 |
| Memoranda: | ||
| Average total assets | $113,171,400 | 4,430 |
| Average earning assets | $107,727,400 | 4,317 |
| Average equity | $10,319,200 | 4,781 |
| Average total loans | $58,280,800 | 4,673 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 4,544 |
| Cost of funding earning assets | 0.2133% | 6,331 |
| Net interest margin | 3.6760% | 3,126 |
| Noninterest income to average assets | 0.2845% | 5,412 |
| Noninterest expense to average assets | 3.2789% | 2,122 |
| Loan and lease loss provision to assets | 0.1771% | 2,054 |
| Net operating income to assets | 0.3084% | 5,590 |
| Return on assets (ROA) | 0.3317% | 5,618 |
| Pretax return on assets | 0.3517% | 5,741 |
| Return on Equity (ROE) | 3.5930% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.5930% | 4,134 |
| Net charge-offs to loans | 1.0360% | 547 |
| Credit loss provision to net charge-offs | 33.2594% | 3,835 |
| Earnings coverage of net charge-offs (x) | 0.9468% | 4,533 |
| Efficiency ratio | 86.6771% | 1,298 |
| Assets per employee ($millions) | 4.3598% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 3,422 |
| Loan loss allowance to noncurrent loans | 180.2469% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3065% | 3,042 |
| Noncurrent loans to loans | 0.8366% | 4,159 |
| Net loans and leases to total assets | 50.4729% | 5,082 |
| Net loans and leases to deposits | 55.7991% | 5,389 |
| Net loans and leases to core deposits | 67.3871% | 4,584 |
| Total domestic deposits to total assets | 90.4547% | 761 |
| Equity capital to assets | 8.9163% | 5,283 |
| Core capital (leverage) ratio | 9.4806% | 4,438 |
| Tier 1 risk-based capital ratio | 15.7085% | 3,348 |
| Total risk-based capital ratio | 16.9591% | 3,300 |
| Memoranda: | ||
| Average total assets | $112,960,750 | 4,484 |
| Average earning assets | $107,504,250 | 4,369 |
| Average equity | $10,427,500 | 4,810 |
| Average total loans | $58,042,500 | 4,728 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 4,356 |
| Cost of funding earning assets | 0.2272% | 6,326 |
| Net interest margin | 3.7022% | 2,947 |
| Noninterest income to average assets | 0.2694% | 5,527 |
| Noninterest expense to average assets | 3.2864% | 2,108 |
| Loan and lease loss provision to assets | 0.2127% | 1,779 |
| Net operating income to assets | 0.2833% | 5,651 |
| Return on assets (ROA) | 0.3191% | 5,681 |
| Pretax return on assets | 0.3315% | 5,792 |
| Return on Equity (ROE) | 3.4174% | 5,461 |
| Retained earnings to average equity (ytd only) | 3.4174% | 4,144 |
| Net charge-offs to loans | 1.6061% | 316 |
| Credit loss provision to net charge-offs | 25.7511% | 3,652 |
| Earnings coverage of net charge-offs (x) | 0.6137% | 4,322 |
| Efficiency ratio | 86.6355% | 1,352 |
| Assets per employee ($millions) | 4.4948% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 3,840 |
| Loan loss allowance to noncurrent loans | 166.8675% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 2,903 |
| Noncurrent loans to loans | 0.8644% | 4,194 |
| Net loans and leases to total assets | 50.5291% | 5,056 |
| Net loans and leases to deposits | 57.4384% | 5,208 |
| Net loans and leases to core deposits | 70.9454% | 4,172 |
| Total domestic deposits to total assets | 87.9709% | 2,266 |
| Equity capital to assets | 9.1235% | 5,072 |
| Core capital (leverage) ratio | 9.2980% | 4,537 |
| Tier 1 risk-based capital ratio | 15.5817% | 3,438 |
| Total risk-based capital ratio | 16.8264% | 3,392 |
| Memoranda: | ||
| Average total assets | $112,829,670 | 4,512 |
| Average earning assets | $107,396,670 | 4,404 |
| Average equity | $10,534,330 | 4,825 |
| Average total loans | $58,027,000 | 4,745 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9773% | 4,210 |
| Cost of funding earning assets | 0.2453% | 6,319 |
| Net interest margin | 3.7320% | 2,728 |
| Noninterest income to average assets | 0.2618% | 5,589 |
| Noninterest expense to average assets | 3.2620% | 2,182 |
| Loan and lease loss provision to assets | 0.2123% | 1,747 |
| Net operating income to assets | 0.3220% | 5,490 |
| Return on assets (ROA) | 0.3220% | 5,623 |
| Pretax return on assets | 0.3396% | 5,749 |
| Return on Equity (ROE) | 3.4097% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.4097% | 4,210 |
| Net charge-offs to loans | 0.2129% | 2,146 |
| Credit loss provision to net charge-offs | 193.5484% | 1,120 |
| Earnings coverage of net charge-offs (x) | 5.0323% | 2,421 |
| Efficiency ratio | 85.5288% | 1,575 |
| Assets per employee ($millions) | 4.4762% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0726% | 1,863 |
| Loan loss allowance to noncurrent loans | 128.9840% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4771% | 3,046 |
| Noncurrent loans to loans | 1.6069% | 3,132 |
| Net loans and leases to total assets | 50.9195% | 4,856 |
| Net loans and leases to deposits | 56.6348% | 5,178 |
| Net loans and leases to core deposits | 69.5861% | 4,130 |
| Total domestic deposits to total assets | 89.9085% | 1,109 |
| Equity capital to assets | 9.5536% | 4,778 |
| Core capital (leverage) ratio | 9.0532% | 4,802 |
| Tier 1 risk-based capital ratio | 15.6617% | 3,446 |
| Total risk-based capital ratio | 16.9193% | 3,403 |
| Memoranda: | ||
| Average total assets | $113,060,000 | 4,552 |
| Average earning assets | $107,610,500 | 4,432 |
| Average equity | $10,675,500 | 4,842 |
| Average total loans | $58,235,500 | 4,768 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 4,890 |
| Cost of funding earning assets | 0.3121% | 6,396 |
| Net interest margin | 3.8042% | 3,208 |
| Noninterest income to average assets | 0.2841% | 5,437 |
| Noninterest expense to average assets | 3.3497% | 2,190 |
| Loan and lease loss provision to assets | 0.2138% | 3,007 |
| Net operating income to assets | 0.2666% | 5,585 |
| Return on assets (ROA) | 0.4195% | 5,274 |
| Pretax return on assets | 0.4943% | 5,297 |
| Return on Equity (ROE) | 4.4843% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.9800% | 4,135 |
| Net charge-offs to loans | 0.3948% | 2,674 |
| Credit loss provision to net charge-offs | 106.1947% | 2,799 |
| Earnings coverage of net charge-offs (x) | 2.6239% | 4,114 |
| Efficiency ratio | 86.3803% | 1,394 |
| Assets per employee ($millions) | 4.5686% | 2,844 |
| Cash dividends to net income (ytd only)* | 33.5456% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 1,968 |
| Loan loss allowance to noncurrent loans | 103.3363% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 3,174 |
| Noncurrent loans to loans | 1.9543% | 2,744 |
| Net loans and leases to total assets | 49.9991% | 5,164 |
| Net loans and leases to deposits | 55.7463% | 5,471 |
| Net loans and leases to core deposits | 68.1806% | 4,516 |
| Total domestic deposits to total assets | 89.6904% | 1,133 |
| Equity capital to assets | 9.3334% | 5,102 |
| Core capital (leverage) ratio | 9.1524% | 4,658 |
| Tier 1 risk-based capital ratio | 15.2600% | 3,572 |
| Total risk-based capital ratio | 16.5156% | 3,517 |
| Memoranda: | ||
| Average total assets | $112,277,800 | 4,539 |
| Average earning assets | $106,066,800 | 4,448 |
| Average equity | $10,503,400 | 4,867 |
| Average total loans | $57,244,800 | 4,824 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 4,892 |
| Cost of funding earning assets | 0.3203% | 6,510 |
| Net interest margin | 3.8574% | 3,089 |
| Noninterest income to average assets | 0.2922% | 5,434 |
| Noninterest expense to average assets | 3.3728% | 2,075 |
| Loan and lease loss provision to assets | 0.2147% | 2,920 |
| Net operating income to assets | 0.3038% | 5,604 |
| Return on assets (ROA) | 0.3757% | 5,552 |
| Pretax return on assets | 0.4186% | 5,675 |
| Return on Equity (ROE) | 4.0136% | 5,289 |
| Retained earnings to average equity (ytd only) | 4.0136% | 4,064 |
| Net charge-offs to loans | 0.5288% | 2,030 |
| Credit loss provision to net charge-offs | 79.6460% | 3,631 |
| Earnings coverage of net charge-offs (x) | 2.0531% | 4,240 |
| Efficiency ratio | 85.9052% | 1,389 |
| Assets per employee ($millions) | 4.4272% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 2,159 |
| Loan loss allowance to noncurrent loans | 97.2150% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 3,272 |
| Noncurrent loans to loans | 2.0611% | 2,780 |
| Net loans and leases to total assets | 49.3585% | 5,393 |
| Net loans and leases to deposits | 55.2986% | 5,687 |
| Net loans and leases to core deposits | 66.9018% | 4,854 |
| Total domestic deposits to total assets | 89.2582% | 1,278 |
| Equity capital to assets | 9.6946% | 4,929 |
| Core capital (leverage) ratio | 9.0928% | 4,925 |
| Tier 1 risk-based capital ratio | 15.4785% | 3,549 |
| Total risk-based capital ratio | 16.7335% | 3,507 |
| Memoranda: | ||
| Average total assets | $111,793,750 | 4,594 |
| Average earning assets | $105,320,000 | 4,504 |
| Average equity | $10,464,250 | 4,926 |
| Average total loans | $56,985,250 | 4,889 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 5,053 |
| Cost of funding earning assets | 0.3304% | 6,599 |
| Net interest margin | 3.8400% | 3,178 |
| Noninterest income to average assets | 0.2906% | 5,479 |
| Noninterest expense to average assets | 3.4057% | 2,020 |
| Loan and lease loss provision to assets | 0.2140% | 2,935 |
| Net operating income to assets | 0.2782% | 5,676 |
| Return on assets (ROA) | 0.3049% | 5,804 |
| Pretax return on assets | 0.3031% | 5,961 |
| Return on Equity (ROE) | 3.2962% | 5,557 |
| Retained earnings to average equity (ytd only) | 3.2962% | 4,410 |
| Net charge-offs to loans | 0.5192% | 2,033 |
| Credit loss provision to net charge-offs | 80.5369% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.8456% | 4,052 |
| Efficiency ratio | 87.4142% | 1,294 |
| Assets per employee ($millions) | 4.2689% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9700% | 2,313 |
| Loan loss allowance to noncurrent loans | 84.0623% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.6109% | 3,307 |
| Noncurrent loans to loans | 2.3435% | 2,554 |
| Net loans and leases to total assets | 50.8411% | 5,246 |
| Net loans and leases to deposits | 56.9558% | 5,556 |
| Net loans and leases to core deposits | 68.5200% | 4,724 |
| Total domestic deposits to total assets | 89.2640% | 1,351 |
| Equity capital to assets | 9.5179% | 5,030 |
| Core capital (leverage) ratio | 8.9673% | 4,958 |
| Tier 1 risk-based capital ratio | 14.8384% | 3,868 |
| Total risk-based capital ratio | 16.0940% | 3,823 |
| Memoranda: | ||
| Average total assets | $112,165,000 | 4,615 |
| Average earning assets | $105,313,330 | 4,524 |
| Average equity | $10,375,670 | 4,946 |
| Average total loans | $57,398,000 | 4,895 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 5,246 |
| Cost of funding earning assets | 0.3381% | 6,689 |
| Net interest margin | 3.8217% | 3,281 |
| Noninterest income to average assets | 0.2909% | 5,537 |
| Noninterest expense to average assets | 3.5653% | 1,638 |
| Loan and lease loss provision to assets | 0.2129% | 2,824 |
| Net operating income to assets | 0.1667% | 6,072 |
| Return on assets (ROA) | 0.1667% | 6,210 |
| Pretax return on assets | 0.0816% | 6,411 |
| Return on Equity (ROE) | 1.8285% | 6,124 |
| Retained earnings to average equity (ytd only) | 1.8285% | 5,333 |
| Net charge-offs to loans | 1.0468% | 994 |
| Credit loss provision to net charge-offs | 40.0000% | 3,449 |
| Earnings coverage of net charge-offs (x) | 0.5533% | 4,058 |
| Efficiency ratio | 92.3713% | 922 |
| Assets per employee ($millions) | 4.3263% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8656% | 2,784 |
| Loan loss allowance to noncurrent loans | 62.8588% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.9185% | 3,023 |
| Noncurrent loans to loans | 2.9679% | 2,179 |
| Net loans and leases to total assets | 50.1782% | 5,280 |
| Net loans and leases to deposits | 56.6073% | 5,539 |
| Net loans and leases to core deposits | 68.8645% | 4,581 |
| Total domestic deposits to total assets | 88.6427% | 1,928 |
| Equity capital to assets | 9.1427% | 5,302 |
| Core capital (leverage) ratio | 8.8646% | 5,041 |
| Tier 1 risk-based capital ratio | 14.7054% | 3,951 |
| Total risk-based capital ratio | 15.9596% | 3,905 |
| Memoranda: | ||
| Average total assets | $112,752,000 | 4,630 |
| Average earning assets | $105,294,500 | 4,561 |
| Average equity | $10,281,500 | 4,976 |
| Average total loans | $57,315,500 | 4,928 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 5,365 |
| Cost of funding earning assets | 0.3927% | 6,909 |
| Net interest margin | 4.0210% | 2,782 |
| Noninterest income to average assets | 0.3761% | 4,819 |
| Noninterest expense to average assets | 3.5452% | 1,875 |
| Loan and lease loss provision to assets | 0.2493% | 3,709 |
| Net operating income to assets | 0.2990% | 5,258 |
| Return on assets (ROA) | 0.5309% | 4,499 |
| Pretax return on assets | 0.6254% | 4,607 |
| Return on Equity (ROE) | 6.1015% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.5133% | 2,963 |
| Net charge-offs to loans | -0.1078% | 7,147 |
| Credit loss provision to net charge-offs | -445.3125% | 6,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4883% | 1,618 |
| Assets per employee ($millions) | 4.3470% | 3,172 |
| Cash dividends to net income (ytd only)* | 26.0297% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0362% | 2,165 |
| Loan loss allowance to noncurrent loans | 46.6881% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.2040% | 2,734 |
| Noncurrent loans to loans | 4.3613% | 1,387 |
| Net loans and leases to total assets | 49.5067% | 5,656 |
| Net loans and leases to deposits | 54.7052% | 6,004 |
| Net loans and leases to core deposits | 66.1813% | 5,237 |
| Total domestic deposits to total assets | 90.4973% | 726 |
| Equity capital to assets | 9.0948% | 5,417 |
| Core capital (leverage) ratio | 8.6732% | 5,290 |
| Tier 1 risk-based capital ratio | 14.7298% | 3,810 |
| Total risk-based capital ratio | 15.9858% | 3,777 |
| Memoranda: | ||
| Average total assets | $114,324,600 | 4,543 |
| Average earning assets | $107,213,400 | 4,471 |
| Average equity | $9,948,400 | 5,035 |
| Average total loans | $59,389,800 | 4,884 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 6,122 |
| Cost of funding earning assets | 0.4048% | 7,004 |
| Net interest margin | 3.8312% | 3,712 |
| Noninterest income to average assets | 0.4117% | 4,572 |
| Noninterest expense to average assets | 3.3120% | 2,459 |
| Loan and lease loss provision to assets | 0.2617% | 3,412 |
| Net operating income to assets | 0.3750% | 5,103 |
| Return on assets (ROA) | 0.5303% | 4,595 |
| Pretax return on assets | 0.6326% | 4,706 |
| Return on Equity (ROE) | 6.1625% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.1625% | 2,455 |
| Net charge-offs to loans | -0.1423% | 7,219 |
| Credit loss provision to net charge-offs | -351.5625% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3597% | 1,923 |
| Assets per employee ($millions) | 4.5518% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 2,726 |
| Loan loss allowance to noncurrent loans | 49.5285% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9570% | 3,201 |
| Noncurrent loans to loans | 3.7673% | 1,803 |
| Net loans and leases to total assets | 50.9790% | 5,583 |
| Net loans and leases to deposits | 56.5713% | 5,973 |
| Net loans and leases to core deposits | 69.7524% | 4,979 |
| Total domestic deposits to total assets | 90.1146% | 806 |
| Equity capital to assets | 9.1701% | 5,557 |
| Core capital (leverage) ratio | 8.5049% | 5,709 |
| Tier 1 risk-based capital ratio | 14.2167% | 4,186 |
| Total risk-based capital ratio | 15.4712% | 4,151 |
| Memoranda: | ||
| Average total assets | $114,650,500 | 4,565 |
| Average earning assets | $108,023,750 | 4,478 |
| Average equity | $9,865,750 | 5,073 |
| Average total loans | $59,958,250 | 4,905 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 5,908 |
| Cost of funding earning assets | 0.4132% | 7,098 |
| Net interest margin | 3.9171% | 3,232 |
| Noninterest income to average assets | 0.2715% | 5,700 |
| Noninterest expense to average assets | 3.3027% | 2,553 |
| Loan and lease loss provision to assets | 0.2088% | 3,831 |
| Net operating income to assets | 0.3945% | 4,972 |
| Return on assets (ROA) | 0.4368% | 4,924 |
| Pretax return on assets | 0.4855% | 5,113 |
| Return on Equity (ROE) | 5.1881% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.1881% | 2,883 |
| Net charge-offs to loans | -0.1062% | 7,178 |
| Credit loss provision to net charge-offs | -375.0000% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6123% | 1,869 |
| Assets per employee ($millions) | 4.5052% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 3,584 |
| Loan loss allowance to noncurrent loans | 49.4624% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.6673% | 3,678 |
| Noncurrent loans to loans | 3.2935% | 2,169 |
| Net loans and leases to total assets | 49.8002% | 5,846 |
| Net loans and leases to deposits | 55.4428% | 6,183 |
| Net loans and leases to core deposits | 68.8368% | 5,208 |
| Total domestic deposits to total assets | 89.8228% | 1,061 |
| Equity capital to assets | 8.5270% | 6,152 |
| Core capital (leverage) ratio | 8.4106% | 5,691 |
| Tier 1 risk-based capital ratio | 13.8166% | 4,295 |
| Total risk-based capital ratio | 15.0686% | 4,267 |
| Memoranda: | ||
| Average total assets | $114,936,000 | 4,587 |
| Average earning assets | $107,936,670 | 4,509 |
| Average equity | $9,676,000 | 5,131 |
| Average total loans | $60,239,670 | 4,945 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4119% | 5,649 |
| Cost of funding earning assets | 0.4164% | 7,191 |
| Net interest margin | 3.9955% | 2,705 |
| Noninterest income to average assets | 0.2670% | 5,760 |
| Noninterest expense to average assets | 3.4049% | 2,271 |
| Loan and lease loss provision to assets | 0.2108% | 3,538 |
| Net operating income to assets | 0.3760% | 5,044 |
| Return on assets (ROA) | 0.3760% | 5,126 |
| Pretax return on assets | 0.3935% | 5,364 |
| Return on Equity (ROE) | 4.4958% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.4958% | 3,474 |
| Net charge-offs to loans | 0.0527% | 4,411 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,080 |
| Efficiency ratio | 84.9255% | 1,850 |
| Assets per employee ($millions) | 4.3056% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,528 |
| Loan loss allowance to noncurrent loans | 103.5885% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 4,787 |
| Noncurrent loans to loans | 1.3793% | 4,401 |
| Net loans and leases to total assets | 53.3677% | 5,397 |
| Net loans and leases to deposits | 58.4781% | 5,884 |
| Net loans and leases to core deposits | 71.0499% | 4,924 |
| Total domestic deposits to total assets | 91.2610% | 508 |
| Equity capital to assets | 8.5470% | 5,839 |
| Core capital (leverage) ratio | 8.3025% | 5,806 |
| Tier 1 risk-based capital ratio | 13.6498% | 4,329 |
| Total risk-based capital ratio | 14.8854% | 4,301 |
| Memoranda: | ||
| Average total assets | $113,837,000 | 4,653 |
| Average earning assets | $106,620,000 | 4,574 |
| Average equity | $9,520,000 | 5,169 |
| Average total loans | $60,710,000 | 4,974 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 6,250 |
| Cost of funding earning assets | 0.6455% | 7,016 |
| Net interest margin | 3.9046% | 3,464 |
| Noninterest income to average assets | 0.3039% | 5,623 |
| Noninterest expense to average assets | 3.0912% | 3,494 |
| Loan and lease loss provision to assets | 0.6787% | 2,428 |
| Net operating income to assets | 0.1708% | 5,373 |
| Return on assets (ROA) | 0.4796% | 4,351 |
| Pretax return on assets | 0.5774% | 4,392 |
| Return on Equity (ROE) | 5.5588% | 3,814 |
| Retained earnings to average equity (ytd only) | 3.9171% | 3,116 |
| Net charge-offs to loans | 0.8678% | 2,460 |
| Credit loss provision to net charge-offs | 143.9163% | 2,594 |
| Earnings coverage of net charge-offs (x) | 1.8745% | 4,319 |
| Efficiency ratio | 77.7627% | 2,749 |
| Assets per employee ($millions) | 4.4511% | 2,955 |
| Cash dividends to net income (ytd only)* | 29.5327% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 4,806 |
| Loan loss allowance to noncurrent loans | 47.2981% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.7982% | 3,621 |
| Noncurrent loans to loans | 2.8301% | 2,688 |
| Net loans and leases to total assets | 51.8431% | 5,929 |
| Net loans and leases to deposits | 56.5455% | 6,398 |
| Net loans and leases to core deposits | 68.4999% | 5,608 |
| Total domestic deposits to total assets | 91.6839% | 348 |
| Equity capital to assets | 8.1847% | 6,276 |
| Core capital (leverage) ratio | 8.4176% | 5,504 |
| Tier 1 risk-based capital ratio | 13.6551% | 4,093 |
| Total risk-based capital ratio | 14.8301% | 4,116 |
| Memoranda: | ||
| Average total assets | $111,541,600 | 4,673 |
| Average earning assets | $104,875,400 | 4,590 |
| Average equity | $9,624,400 | 5,228 |
| Average total loans | $60,616,000 | 5,046 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 6,318 |
| Cost of funding earning assets | 0.6911% | 7,086 |
| Net interest margin | 3.9158% | 3,463 |
| Noninterest income to average assets | 0.3029% | 5,728 |
| Noninterest expense to average assets | 3.1349% | 3,166 |
| Loan and lease loss provision to assets | 0.5780% | 2,621 |
| Net operating income to assets | 0.2154% | 5,464 |
| Return on assets (ROA) | 0.5768% | 4,133 |
| Pretax return on assets | 0.7385% | 4,124 |
| Return on Equity (ROE) | 6.5958% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.5958% | 2,045 |
| Net charge-offs to loans | 0.1651% | 4,994 |
| Credit loss provision to net charge-offs | 638.6667% | 462 |
| Earnings coverage of net charge-offs (x) | 9.4264% | 2,026 |
| Efficiency ratio | 78.6082% | 2,542 |
| Assets per employee ($millions) | 4.1646% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 3,467 |
| Loan loss allowance to noncurrent loans | 341.5225% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 5,992 |
| Noncurrent loans to loans | 0.4724% | 6,247 |
| Net loans and leases to total assets | 53.5280% | 5,914 |
| Net loans and leases to deposits | 59.0430% | 6,380 |
| Net loans and leases to core deposits | 69.0906% | 5,835 |
| Total domestic deposits to total assets | 90.6594% | 566 |
| Equity capital to assets | 8.8586% | 5,762 |
| Core capital (leverage) ratio | 8.5167% | 5,476 |
| Tier 1 risk-based capital ratio | 14.2093% | 3,687 |
| Total risk-based capital ratio | 15.4650% | 3,650 |
| Memoranda: | ||
| Average total assets | $110,495,000 | 4,753 |
| Average earning assets | $103,986,000 | 4,668 |
| Average equity | $9,662,500 | 5,299 |
| Average total loans | $60,567,250 | 5,125 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 6,263 |
| Cost of funding earning assets | 0.7193% | 7,147 |
| Net interest margin | 3.9445% | 3,260 |
| Noninterest income to average assets | 0.2986% | 5,760 |
| Noninterest expense to average assets | 3.1062% | 3,288 |
| Loan and lease loss provision to assets | 0.6901% | 2,096 |
| Net operating income to assets | 0.1657% | 5,675 |
| Return on assets (ROA) | 0.6045% | 3,996 |
| Pretax return on assets | 0.7866% | 3,927 |
| Return on Equity (ROE) | 6.9434% | 3,328 |
| Retained earnings to average equity (ytd only) | 6.9434% | 1,857 |
| Net charge-offs to loans | 0.2485% | 4,100 |
| Credit loss provision to net charge-offs | 505.3333% | 728 |
| Earnings coverage of net charge-offs (x) | 6.6400% | 2,430 |
| Efficiency ratio | 77.4047% | 2,830 |
| Assets per employee ($millions) | 4.1273% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 4,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 6,604 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 52.8833% | 6,118 |
| Net loans and leases to deposits | 58.1742% | 6,563 |
| Net loans and leases to core deposits | 68.0827% | 6,047 |
| Total domestic deposits to total assets | 90.9051% | 527 |
| Equity capital to assets | 8.7243% | 5,850 |
| Core capital (leverage) ratio | 8.5823% | 5,265 |
| Tier 1 risk-based capital ratio | 14.2380% | 3,581 |
| Total risk-based capital ratio | 15.4886% | 3,550 |
| Memoranda: | ||
| Average total assets | $109,845,330 | 4,806 |
| Average earning assets | $103,435,330 | 4,710 |
| Average equity | $9,563,000 | 5,324 |
| Average total loans | $60,364,330 | 5,162 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 5,990 |
| Cost of funding earning assets | 0.7669% | 7,185 |
| Net interest margin | 4.0067% | 2,848 |
| Noninterest income to average assets | 0.2971% | 5,771 |
| Noninterest expense to average assets | 3.0518% | 3,473 |
| Loan and lease loss provision to assets | 0.6602% | 1,919 |
| Net operating income to assets | 0.2811% | 5,366 |
| Return on assets (ROA) | 0.5612% | 4,222 |
| Pretax return on assets | 0.6786% | 4,310 |
| Return on Equity (ROE) | 6.4533% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.4533% | 2,374 |
| Net charge-offs to loans | 0.4947% | 2,578 |
| Credit loss provision to net charge-offs | 240.0000% | 1,600 |
| Earnings coverage of net charge-offs (x) | 3.6400% | 2,840 |
| Efficiency ratio | 75.2941% | 3,347 |
| Assets per employee ($millions) | 4.1922% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,877 |
| Loan loss allowance to noncurrent loans | 2,219.3548% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 6,579 |
| Noncurrent loans to loans | 0.0508% | 7,278 |
| Net loans and leases to total assets | 55.3395% | 5,839 |
| Net loans and leases to deposits | 60.8122% | 6,379 |
| Net loans and leases to core deposits | 75.2464% | 5,364 |
| Total domestic deposits to total assets | 91.0008% | 546 |
| Equity capital to assets | 8.7534% | 5,643 |
| Core capital (leverage) ratio | 8.3720% | 5,607 |
| Tier 1 risk-based capital ratio | 13.6240% | 3,913 |
| Total risk-based capital ratio | 14.6389% | 4,017 |
| Memoranda: | ||
| Average total assets | $109,050,000 | 4,897 |
| Average earning assets | $102,230,000 | 4,808 |
| Average equity | $9,483,500 | 5,394 |
| Average total loans | $60,637,500 | 5,219 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 4,893 |
| Cost of funding earning assets | 1.2166% | 6,602 |
| Net interest margin | 4.1428% | 2,273 |
| Noninterest income to average assets | 0.3710% | 5,437 |
| Noninterest expense to average assets | 3.3804% | 2,743 |
| Loan and lease loss provision to assets | 0.2599% | 5,326 |
| Net operating income to assets | 0.4477% | 3,938 |
| Return on assets (ROA) | 0.4668% | 3,986 |
| Pretax return on assets | 0.5462% | 4,062 |
| Return on Equity (ROE) | 4.9388% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.2350% | 2,893 |
| Net charge-offs to loans | 0.1444% | 5,795 |
| Credit loss provision to net charge-offs | 303.5714% | 1,087 |
| Earnings coverage of net charge-offs (x) | 9.1548% | 1,838 |
| Efficiency ratio | 81.1796% | 2,715 |
| Assets per employee ($millions) | 4.1962% | 3,448 |
| Cash dividends to net income (ytd only)* | 34.4978% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 6,546 |
| Loan loss allowance to noncurrent loans | 188.0645% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 5,910 |
| Noncurrent loans to loans | 0.5144% | 6,224 |
| Net loans and leases to total assets | 54.7057% | 6,121 |
| Net loans and leases to deposits | 60.0350% | 6,633 |
| Net loans and leases to core deposits | 88.0115% | 5,330 |
| Total domestic deposits to total assets | 91.1230% | 489 |
| Equity capital to assets | 8.6396% | 5,681 |
| Core capital (leverage) ratio | 8.9030% | 4,583 |
| Tier 1 risk-based capital ratio | 13.5873% | 3,768 |
| Total risk-based capital ratio | 14.4595% | 3,956 |
| Memoranda: | ||
| Average total assets | $98,125,000 | 5,135 |
| Average earning assets | $89,843,200 | 5,125 |
| Average equity | $9,273,600 | 5,522 |
| Average total loans | $58,158,600 | 5,332 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 4,297 |
| Cost of funding earning assets | 1.3141% | 6,512 |
| Net interest margin | 4.2114% | 2,010 |
| Noninterest income to average assets | 0.3886% | 5,401 |
| Noninterest expense to average assets | 3.4961% | 2,294 |
| Loan and lease loss provision to assets | 0.2516% | 4,937 |
| Net operating income to assets | 0.4159% | 4,336 |
| Return on assets (ROA) | 0.4417% | 4,334 |
| Pretax return on assets | 0.5004% | 4,518 |
| Return on Equity (ROE) | 4.5620% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.5620% | 2,724 |
| Net charge-offs to loans | 0.0046% | 6,911 |
| Credit loss provision to net charge-offs | 9,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 258.1723% | 146 |
| Efficiency ratio | 82.8694% | 2,448 |
| Assets per employee ($millions) | 3.7431% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 6,367 |
| Loan loss allowance to noncurrent loans | 251.0638% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 5,882 |
| Noncurrent loans to loans | 0.3936% | 6,554 |
| Net loans and leases to total assets | 60.7423% | 5,461 |
| Net loans and leases to deposits | 67.6861% | 6,158 |
| Net loans and leases to core deposits | 87.3681% | 5,709 |
| Total domestic deposits to total assets | 89.7412% | 872 |
| Equity capital to assets | 9.8848% | 4,230 |
| Core capital (leverage) ratio | 9.4227% | 4,016 |
| Tier 1 risk-based capital ratio | 14.1890% | 3,448 |
| Total risk-based capital ratio | 15.1090% | 3,569 |
| Memoranda: | ||
| Average total assets | $95,380,750 | 5,256 |
| Average earning assets | $86,746,500 | 5,277 |
| Average equity | $9,235,500 | 5,576 |
| Average total loans | $57,631,250 | 5,394 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 4,421 |
| Cost of funding earning assets | 1.3766% | 6,557 |
| Net interest margin | 4.1574% | 2,132 |
| Noninterest income to average assets | 0.4053% | 5,239 |
| Noninterest expense to average assets | 3.5637% | 2,157 |
| Loan and lease loss provision to assets | 0.2533% | 4,547 |
| Net operating income to assets | 0.3695% | 4,626 |
| Return on assets (ROA) | 0.3716% | 4,713 |
| Pretax return on assets | 0.3842% | 4,978 |
| Return on Equity (ROE) | 3.8650% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.8650% | 3,134 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8668% | 2,376 |
| Assets per employee ($millions) | 3.6456% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,619 |
| Loan loss allowance to noncurrent loans | 224.4726% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6457% | 5,801 |
| Noncurrent loans to loans | 0.4172% | 6,465 |
| Net loans and leases to total assets | 59.3674% | 5,782 |
| Net loans and leases to deposits | 66.1277% | 6,378 |
| Net loans and leases to core deposits | 84.1627% | 6,078 |
| Total domestic deposits to total assets | 89.7770% | 924 |
| Equity capital to assets | 9.7683% | 4,260 |
| Core capital (leverage) ratio | 9.6030% | 3,761 |
| Tier 1 risk-based capital ratio | 14.3383% | 3,337 |
| Total risk-based capital ratio | 15.1897% | 3,488 |
| Memoranda: | ||
| Average total assets | $94,734,000 | 5,315 |
| Average earning assets | $86,448,000 | 5,321 |
| Average equity | $9,107,330 | 5,648 |
| Average total loans | $56,940,000 | 5,471 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 5,013 |
| Cost of funding earning assets | 1.4477% | 6,584 |
| Net interest margin | 4.0325% | 2,525 |
| Noninterest income to average assets | 0.3590% | 5,573 |
| Noninterest expense to average assets | 3.5140% | 2,061 |
| Loan and lease loss provision to assets | 0.2534% | 3,942 |
| Net operating income to assets | 0.3337% | 5,144 |
| Return on assets (ROA) | 0.3337% | 5,330 |
| Pretax return on assets | 0.3210% | 5,619 |
| Return on Equity (ROE) | 3.4989% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.4989% | 3,951 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9504% | 2,069 |
| Assets per employee ($millions) | 3.6365% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 7,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 6,312 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 59.8928% | 5,673 |
| Net loans and leases to deposits | 72.8175% | 5,644 |
| Net loans and leases to core deposits | 97.7103% | 4,770 |
| Total domestic deposits to total assets | 82.2505% | 4,452 |
| Equity capital to assets | 9.6331% | 4,479 |
| Core capital (leverage) ratio | 9.3850% | 4,125 |
| Tier 1 risk-based capital ratio | 14.2236% | 3,462 |
| Total risk-based capital ratio | 14.9811% | 3,652 |
| Memoranda: | ||
| Average total assets | $94,708,000 | 5,344 |
| Average earning assets | $87,588,500 | 5,302 |
| Average equity | $9,031,500 | 5,695 |
| Average total loans | $57,008,000 | 5,500 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6552% | 6,920 |
| Cost of funding earning assets | 2.0651% | 6,182 |
| Net interest margin | 3.5901% | 4,936 |
| Noninterest income to average assets | 0.3378% | 6,036 |
| Noninterest expense to average assets | 3.2427% | 3,174 |
| Loan and lease loss provision to assets | 0.3085% | 3,902 |
| Net operating income to assets | 0.1777% | 5,916 |
| Return on assets (ROA) | 0.2959% | 5,372 |
| Pretax return on assets | 0.2607% | 5,605 |
| Return on Equity (ROE) | 3.4887% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.4887% | 2,967 |
| Net charge-offs to loans | 0.5404% | 2,207 |
| Credit loss provision to net charge-offs | 108.2192% | 4,966 |
| Earnings coverage of net charge-offs (x) | 1.5822% | 5,300 |
| Efficiency ratio | 87.7875% | 1,698 |
| Assets per employee ($millions) | 3.6487% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 7,362 |
| Loan loss allowance to noncurrent loans | 41,200.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 6,040 |
| Noncurrent loans to loans | 0.0018% | 7,560 |
| Net loans and leases to total assets | 59.5613% | 5,974 |
| Net loans and leases to deposits | 70.1808% | 6,256 |
| Net loans and leases to core deposits | 96.2852% | 5,227 |
| Total domestic deposits to total assets | 84.8683% | 2,905 |
| Equity capital to assets | 9.4395% | 4,771 |
| Core capital (leverage) ratio | 9.1902% | 4,456 |
| Tier 1 risk-based capital ratio | 14.0774% | 3,511 |
| Total risk-based capital ratio | 14.7377% | 3,726 |
| Memoranda: | ||
| Average total assets | $102,416,000 | 4,980 |
| Average earning assets | $95,735,000 | 4,930 |
| Average equity | $8,685,200 | 5,847 |
| Average total loans | $54,030,200 | 5,525 |