Home > North Country Bank > Performance and Condition Ratios
North Country Bank, Performance and Condition Ratios
| 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 | 3.3632% | 5,299 |
| Cost of funding earning assets | 0.1916% | 5,583 |
| Net interest margin | 3.1716% | 4,706 |
| Noninterest income to average assets | 0.2841% | 4,902 |
| Noninterest expense to average assets | 2.1839% | 5,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6688% | 3,961 |
| Return on assets (ROA) | 0.6688% | 4,084 |
| Pretax return on assets | 0.9410% | 3,738 |
| Return on Equity (ROE) | 6.0424% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.0424% | 2,476 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8864% | 3,506 |
| Assets per employee ($millions) | 6.2543% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 4,844 |
| Loan loss allowance to noncurrent loans | 3,009.0909% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,886 |
| Noncurrent loans to loans | 0.0344% | 5,655 |
| Net loans and leases to total assets | 45.9846% | 5,200 |
| Net loans and leases to deposits | 51.7808% | 5,345 |
| Net loans and leases to core deposits | 52.3333% | 5,463 |
| Total domestic deposits to total assets | 88.8062% | 1,386 |
| Equity capital to assets | 11.0804% | 2,883 |
| Core capital (leverage) ratio | 9.9093% | 3,731 |
| Tier 1 risk-based capital ratio | 13.5865% | 4,281 |
| Total risk-based capital ratio | 14.2619% | 4,516 |
| Memoranda: | ||
| Average total assets | $67,585,500 | 5,317 |
| Average earning assets | $60,537,500 | 5,342 |
| Average equity | $7,480,500 | 5,308 |
| Average total loans | $34,026,000 | 5,372 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 4,465 |
| Cost of funding earning assets | 0.2461% | 5,366 |
| Net interest margin | 3.5620% | 3,549 |
| Noninterest income to average assets | 0.5110% | 3,422 |
| Noninterest expense to average assets | 2.5733% | 4,314 |
| Loan and lease loss provision to assets | 0.3894% | 467 |
| Net operating income to assets | 0.5463% | 4,609 |
| Return on assets (ROA) | 0.5602% | 4,651 |
| Pretax return on assets | 0.6833% | 4,683 |
| Return on Equity (ROE) | 5.0362% | 4,642 |
| Retained earnings to average equity (ytd only) | -2.4074% | 6,050 |
| Net charge-offs to loans | 0.2275% | 1,853 |
| Credit loss provision to net charge-offs | 320.2532% | 818 |
| Earnings coverage of net charge-offs (x) | 8.6835% | 2,842 |
| Efficiency ratio | 70.9075% | 3,388 |
| Assets per employee ($millions) | 5.1057% | 2,185 |
| Cash dividends to net income (ytd only)* | 147.8022% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 5,417 |
| Loan loss allowance to noncurrent loans | 2,758.3333% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 5,975 |
| Noncurrent loans to loans | 0.0333% | 5,757 |
| Net loans and leases to total assets | 53.8675% | 4,597 |
| Net loans and leases to deposits | 60.6977% | 4,839 |
| Net loans and leases to core deposits | 61.3887% | 5,051 |
| Total domestic deposits to total assets | 88.7471% | 1,392 |
| Equity capital to assets | 11.0555% | 2,844 |
| Core capital (leverage) ratio | 9.3738% | 4,433 |
| Tier 1 risk-based capital ratio | 12.8396% | 4,829 |
| Total risk-based capital ratio | 13.5824% | 5,051 |
| Memoranda: | ||
| Average total assets | $64,975,400 | 5,420 |
| Average earning assets | $56,878,600 | 5,492 |
| Average equity | $7,227,600 | 5,373 |
| Average total loans | $34,730,200 | 5,373 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 4,415 |
| Cost of funding earning assets | 0.2520% | 5,383 |
| Net interest margin | 3.5849% | 3,490 |
| Noninterest income to average assets | 0.3693% | 4,472 |
| Noninterest expense to average assets | 2.6016% | 4,194 |
| Loan and lease loss provision to assets | 0.2393% | 917 |
| Net operating income to assets | 0.4949% | 4,890 |
| Return on assets (ROA) | 0.5117% | 4,897 |
| Pretax return on assets | 0.6911% | 4,727 |
| Return on Equity (ROE) | 4.5925% | 4,911 |
| Retained earnings to average equity (ytd only) | -5.3703% | 6,270 |
| Net charge-offs to loans | 0.0349% | 3,791 |
| Credit loss provision to net charge-offs | 1,288.8889% | 265 |
| Earnings coverage of net charge-offs (x) | 48.8875% | 990 |
| Efficiency ratio | 74.1329% | 2,801 |
| Assets per employee ($millions) | 4.5715% | 2,852 |
| Cash dividends to net income (ytd only)* | 216.9358% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 6,062 |
| Loan loss allowance to noncurrent loans | 330.0000% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 5,663 |
| Noncurrent loans to loans | 0.2182% | 5,246 |
| Net loans and leases to total assets | 56.8632% | 4,220 |
| Net loans and leases to deposits | 68.4092% | 4,090 |
| Net loans and leases to core deposits | 69.2725% | 4,391 |
| Total domestic deposits to total assets | 83.1221% | 4,087 |
| Equity capital to assets | 11.1967% | 2,762 |
| Core capital (leverage) ratio | 8.8125% | 5,320 |
| Tier 1 risk-based capital ratio | 12.7782% | 4,989 |
| Total risk-based capital ratio | 13.3923% | 5,322 |
| Memoranda: | ||
| Average total assets | $64,625,750 | 5,492 |
| Average earning assets | $56,606,750 | 5,555 |
| Average equity | $7,200,000 | 5,423 |
| Average total loans | $34,391,500 | 5,435 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 4,650 |
| Cost of funding earning assets | 0.2458% | 5,524 |
| Net interest margin | 3.5164% | 3,714 |
| Noninterest income to average assets | 0.3856% | 4,355 |
| Noninterest expense to average assets | 2.5789% | 4,313 |
| Loan and lease loss provision to assets | 0.2190% | 1,062 |
| Net operating income to assets | 0.4905% | 4,844 |
| Return on assets (ROA) | 0.4905% | 4,922 |
| Pretax return on assets | 0.6324% | 4,844 |
| Return on Equity (ROE) | 4.4097% | 4,968 |
| Retained earnings to average equity (ytd only) | -10.5112% | 6,429 |
| Net charge-offs to loans | -0.0357% | 5,747 |
| Credit loss provision to net charge-offs | -1,183.3333% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1799% | 2,780 |
| Assets per employee ($millions) | 4.6552% | 2,689 |
| Cash dividends to net income (ytd only)* | 338.3648% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 6,228 |
| Loan loss allowance to noncurrent loans | 287.6543% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 5,783 |
| Noncurrent loans to loans | 0.2300% | 5,308 |
| Net loans and leases to total assets | 53.6679% | 4,578 |
| Net loans and leases to deposits | 64.8118% | 4,402 |
| Net loans and leases to core deposits | 65.1304% | 4,719 |
| Total domestic deposits to total assets | 82.8058% | 4,382 |
| Equity capital to assets | 10.8388% | 3,041 |
| Core capital (leverage) ratio | 8.7297% | 5,360 |
| Tier 1 risk-based capital ratio | 12.1951% | 5,424 |
| Total risk-based capital ratio | 12.7337% | 5,762 |
| Memoranda: | ||
| Average total assets | $64,834,000 | 5,535 |
| Average earning assets | $56,136,330 | 5,614 |
| Average equity | $7,211,330 | 5,436 |
| Average total loans | $33,636,330 | 5,510 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,544 |
| Cost of funding earning assets | 0.2452% | 5,630 |
| Net interest margin | 3.5410% | 3,514 |
| Noninterest income to average assets | 0.4021% | 4,167 |
| Noninterest expense to average assets | 2.5176% | 4,559 |
| Loan and lease loss provision to assets | 0.1608% | 1,510 |
| Net operating income to assets | 0.5629% | 4,399 |
| Return on assets (ROA) | 0.5629% | 4,475 |
| Pretax return on assets | 0.7609% | 4,269 |
| Return on Equity (ROE) | 4.9966% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.9966% | 3,112 |
| Net charge-offs to loans | -0.0122% | 5,124 |
| Credit loss provision to net charge-offs | -2,600.0000% | 5,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2014% | 3,278 |
| Assets per employee ($millions) | 4.7637% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 6,441 |
| Loan loss allowance to noncurrent loans | 221.6867% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 5,874 |
| Noncurrent loans to loans | 0.2575% | 5,331 |
| Net loans and leases to total assets | 48.0582% | 5,120 |
| Net loans and leases to deposits | 54.2015% | 5,268 |
| Net loans and leases to core deposits | 54.8133% | 5,447 |
| Total domestic deposits to total assets | 88.6658% | 1,853 |
| Equity capital to assets | 11.0778% | 2,652 |
| Core capital (leverage) ratio | 8.9746% | 5,054 |
| Tier 1 risk-based capital ratio | 13.9002% | 4,392 |
| Total risk-based capital ratio | 14.3563% | 4,882 |
| Memoranda: | ||
| Average total assets | $64,664,500 | 5,604 |
| Average earning assets | $55,464,000 | 5,684 |
| Average equity | $7,285,000 | 5,447 |
| Average total loans | $32,849,500 | 5,592 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 3,756 |
| Cost of funding earning assets | 0.2724% | 5,812 |
| Net interest margin | 3.8235% | 2,558 |
| Noninterest income to average assets | 0.4723% | 3,941 |
| Noninterest expense to average assets | 2.5979% | 4,471 |
| Loan and lease loss provision to assets | 0.2282% | 1,590 |
| Net operating income to assets | 0.6095% | 4,222 |
| Return on assets (ROA) | 0.6420% | 4,171 |
| Pretax return on assets | 0.7783% | 4,230 |
| Return on Equity (ROE) | 5.4823% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.4823% | 2,283 |
| Net charge-offs to loans | 0.0748% | 4,161 |
| Credit loss provision to net charge-offs | 576.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 24.4000% | 1,368 |
| Efficiency ratio | 72.8768% | 3,315 |
| Assets per employee ($millions) | 4.4741% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4662% | 6,596 |
| Loan loss allowance to noncurrent loans | 81.6754% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 5,350 |
| Noncurrent loans to loans | 0.5708% | 4,562 |
| Net loans and leases to total assets | 53.1762% | 4,698 |
| Net loans and leases to deposits | 60.2369% | 4,919 |
| Net loans and leases to core deposits | 61.2437% | 5,127 |
| Total domestic deposits to total assets | 88.2785% | 2,019 |
| Equity capital to assets | 11.4661% | 2,192 |
| Core capital (leverage) ratio | 9.5406% | 4,201 |
| Tier 1 risk-based capital ratio | 14.0047% | 4,295 |
| Total risk-based capital ratio | 14.4108% | 4,821 |
| Memoranda: | ||
| Average total assets | $63,089,000 | 5,677 |
| Average earning assets | $51,026,000 | 5,862 |
| Average equity | $7,387,400 | 5,478 |
| Average total loans | $33,421,800 | 5,603 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 3,312 |
| Cost of funding earning assets | 0.2761% | 5,920 |
| Net interest margin | 3.9447% | 2,132 |
| Noninterest income to average assets | 0.2996% | 5,302 |
| Noninterest expense to average assets | 2.4893% | 4,755 |
| Loan and lease loss provision to assets | 0.1920% | 1,902 |
| Net operating income to assets | 0.6223% | 4,251 |
| Return on assets (ROA) | 0.6645% | 4,182 |
| Pretax return on assets | 0.8354% | 4,161 |
| Return on Equity (ROE) | 5.6460% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.6460% | 2,638 |
| Net charge-offs to loans | 0.0200% | 4,733 |
| Credit loss provision to net charge-offs | 1,820.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 92.3508% | 525 |
| Efficiency ratio | 71.8636% | 3,433 |
| Assets per employee ($millions) | 4.4136% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3259% | 6,760 |
| Loan loss allowance to noncurrent loans | 44.1860% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 5,169 |
| Noncurrent loans to loans | 0.7375% | 4,372 |
| Net loans and leases to total assets | 56.4331% | 4,258 |
| Net loans and leases to deposits | 63.9394% | 4,527 |
| Net loans and leases to core deposits | 65.0232% | 4,803 |
| Total domestic deposits to total assets | 88.2602% | 1,961 |
| Equity capital to assets | 11.5601% | 2,256 |
| Core capital (leverage) ratio | 9.3483% | 4,620 |
| Tier 1 risk-based capital ratio | 13.7546% | 4,595 |
| Total risk-based capital ratio | 14.0603% | 5,189 |
| Memoranda: | ||
| Average total assets | $63,202,000 | 5,732 |
| Average earning assets | $50,700,000 | 5,935 |
| Average equity | $7,438,750 | 5,529 |
| Average total loans | $33,411,250 | 5,661 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 3,593 |
| Cost of funding earning assets | 0.2673% | 6,057 |
| Net interest margin | 3.8702% | 2,310 |
| Noninterest income to average assets | 0.2890% | 5,384 |
| Noninterest expense to average assets | 2.4312% | 4,962 |
| Loan and lease loss provision to assets | 0.1508% | 2,437 |
| Net operating income to assets | 0.6471% | 4,072 |
| Return on assets (ROA) | 0.6471% | 4,230 |
| Pretax return on assets | 0.8449% | 4,136 |
| Return on Equity (ROE) | 5.4661% | 4,482 |
| Retained earnings to average equity (ytd only) | 5.4661% | 2,766 |
| Net charge-offs to loans | -0.0365% | 6,145 |
| Credit loss provision to net charge-offs | -800.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9441% | 3,652 |
| Assets per employee ($millions) | 4.8160% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2460% | 6,823 |
| Loan loss allowance to noncurrent loans | 25.3086% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 4,978 |
| Noncurrent loans to loans | 0.9718% | 3,997 |
| Net loans and leases to total assets | 53.1210% | 4,719 |
| Net loans and leases to deposits | 59.9567% | 4,985 |
| Net loans and leases to core deposits | 60.9523% | 5,176 |
| Total domestic deposits to total assets | 88.5989% | 1,853 |
| Equity capital to assets | 11.2494% | 2,523 |
| Core capital (leverage) ratio | 8.5618% | 5,593 |
| Tier 1 risk-based capital ratio | 13.5973% | 4,711 |
| Total risk-based capital ratio | 13.8236% | 5,392 |
| Memoranda: | ||
| Average total assets | $63,672,670 | 5,755 |
| Average earning assets | $51,625,000 | 5,950 |
| Average equity | $7,537,330 | 5,552 |
| Average total loans | $32,887,000 | 5,719 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 2,866 |
| Cost of funding earning assets | 0.3468% | 5,568 |
| Net interest margin | 3.9610% | 1,916 |
| Noninterest income to average assets | 0.2990% | 5,306 |
| Noninterest expense to average assets | 2.5668% | 4,508 |
| Loan and lease loss provision to assets | 0.1558% | 2,309 |
| Net operating income to assets | 0.5919% | 4,258 |
| Return on assets (ROA) | 0.5919% | 4,403 |
| Pretax return on assets | 0.7788% | 4,257 |
| Return on Equity (ROE) | 4.8815% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.8815% | 3,307 |
| Net charge-offs to loans | -0.0735% | 6,300 |
| Credit loss provision to net charge-offs | -416.6667% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3096% | 3,391 |
| Assets per employee ($millions) | 4.5821% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1881% | 6,916 |
| Loan loss allowance to noncurrent loans | 178.7879% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 6,457 |
| Noncurrent loans to loans | 0.1052% | 6,164 |
| Net loans and leases to total assets | 48.7950% | 5,142 |
| Net loans and leases to deposits | 55.8615% | 5,260 |
| Net loans and leases to core deposits | 56.5232% | 5,473 |
| Total domestic deposits to total assets | 87.3500% | 2,726 |
| Equity capital to assets | 12.0109% | 2,033 |
| Core capital (leverage) ratio | 8.1320% | 6,014 |
| Tier 1 risk-based capital ratio | 13.3436% | 4,982 |
| Total risk-based capital ratio | 13.5189% | 5,698 |
| Memoranda: | ||
| Average total assets | $64,205,000 | 5,798 |
| Average earning assets | $51,906,500 | 5,992 |
| Average equity | $7,784,500 | 5,549 |
| Average total loans | $32,660,500 | 5,766 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 3,907 |
| Cost of funding earning assets | 0.4251% | 5,752 |
| Net interest margin | 3.9529% | 2,592 |
| Noninterest income to average assets | 0.3538% | 4,934 |
| Noninterest expense to average assets | 2.4784% | 5,168 |
| Loan and lease loss provision to assets | 0.1399% | 3,861 |
| Net operating income to assets | 1.0988% | 1,940 |
| Return on assets (ROA) | 1.1017% | 2,115 |
| Pretax return on assets | 1.2384% | 2,645 |
| Return on Equity (ROE) | 9.7072% | 2,309 |
| Retained earnings to average equity (ytd only) | -19.4144% | 6,838 |
| Net charge-offs to loans | 0.0298% | 5,491 |
| Credit loss provision to net charge-offs | 870.0000% | 289 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 455 |
| Efficiency ratio | 64.3155% | 4,828 |
| Assets per employee ($millions) | 4.5900% | 2,802 |
| Cash dividends to net income (ytd only)* | 300.0000% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0824% | 6,992 |
| Loan loss allowance to noncurrent loans | 147.3684% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,588 |
| Noncurrent loans to loans | 0.0559% | 6,355 |
| Net loans and leases to total assets | 52.8042% | 4,789 |
| Net loans and leases to deposits | 61.6105% | 4,826 |
| Net loans and leases to core deposits | 62.3509% | 5,122 |
| Total domestic deposits to total assets | 85.7065% | 3,508 |
| Equity capital to assets | 12.2378% | 1,897 |
| Core capital (leverage) ratio | 7.9383% | 6,251 |
| Tier 1 risk-based capital ratio | 12.9376% | 5,155 |
| Total risk-based capital ratio | 13.0097% | 5,894 |
| Memoranda: | ||
| Average total assets | $62,177,000 | 5,868 |
| Average earning assets | $55,047,800 | 5,887 |
| Average equity | $7,056,600 | 5,747 |
| Average total loans | $33,613,000 | 5,772 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 4,532 |
| Cost of funding earning assets | 0.4462% | 5,825 |
| Net interest margin | 3.8328% | 3,191 |
| Noninterest income to average assets | 0.3698% | 4,873 |
| Noninterest expense to average assets | 2.4998% | 5,088 |
| Loan and lease loss provision to assets | 0.0973% | 4,357 |
| Net operating income to assets | 1.1876% | 1,785 |
| Return on assets (ROA) | 1.1937% | 1,942 |
| Pretax return on assets | 1.2715% | 2,704 |
| Return on Equity (ROE) | 10.7368% | 2,053 |
| Retained earnings to average equity (ytd only) | 1.3032% | 5,654 |
| Net charge-offs to loans | -0.0159% | 6,449 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7256% | 4,674 |
| Assets per employee ($millions) | 4.1800% | 3,516 |
| Cash dividends to net income (ytd only)* | 87.8624% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,781 |
| Loan loss allowance to noncurrent loans | 163.5379% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 5,486 |
| Noncurrent loans to loans | 0.7994% | 4,809 |
| Net loans and leases to total assets | 58.4364% | 4,058 |
| Net loans and leases to deposits | 68.1120% | 4,164 |
| Net loans and leases to core deposits | 68.1120% | 4,715 |
| Total domestic deposits to total assets | 85.7946% | 3,364 |
| Equity capital to assets | 11.9668% | 2,285 |
| Core capital (leverage) ratio | 10.3594% | 3,090 |
| Tier 1 risk-based capital ratio | 15.1787% | 3,723 |
| Total risk-based capital ratio | 16.2753% | 3,782 |
| Memoranda: | ||
| Average total assets | $61,656,250 | 5,949 |
| Average earning assets | $56,179,750 | 5,926 |
| Average equity | $6,854,750 | 5,869 |
| Average total loans | $33,526,250 | 5,852 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 5,131 |
| Cost of funding earning assets | 0.4556% | 5,936 |
| Net interest margin | 3.6941% | 3,852 |
| Noninterest income to average assets | 0.3700% | 4,873 |
| Noninterest expense to average assets | 2.3891% | 5,495 |
| Loan and lease loss provision to assets | 0.1116% | 4,133 |
| Net operating income to assets | 1.1547% | 1,864 |
| Return on assets (ROA) | 1.1547% | 2,072 |
| Pretax return on assets | 1.2312% | 2,799 |
| Return on Equity (ROE) | 10.6387% | 2,117 |
| Retained earnings to average equity (ytd only) | 1.4694% | 5,463 |
| Net charge-offs to loans | -0.0121% | 6,316 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0171% | 4,901 |
| Assets per employee ($millions) | 4.2591% | 3,341 |
| Cash dividends to net income (ytd only)* | 86.1878% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 5,070 |
| Loan loss allowance to noncurrent loans | 344.5313% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 6,243 |
| Noncurrent loans to loans | 0.3664% | 5,811 |
| Net loans and leases to total assets | 57.8446% | 4,187 |
| Net loans and leases to deposits | 66.9182% | 4,375 |
| Net loans and leases to core deposits | 67.8236% | 4,810 |
| Total domestic deposits to total assets | 86.4407% | 3,105 |
| Equity capital to assets | 11.5736% | 2,521 |
| Core capital (leverage) ratio | 10.0576% | 3,342 |
| Tier 1 risk-based capital ratio | 15.5289% | 3,421 |
| Total risk-based capital ratio | 16.6248% | 3,481 |
| Memoranda: | ||
| Average total assets | $62,701,670 | 5,956 |
| Average earning assets | $57,064,670 | 5,942 |
| Average equity | $6,805,330 | 5,905 |
| Average total loans | $33,151,670 | 5,905 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 5,493 |
| Cost of funding earning assets | 0.4836% | 5,918 |
| Net interest margin | 3.6064% | 4,239 |
| Noninterest income to average assets | 0.3487% | 5,069 |
| Noninterest expense to average assets | 2.3599% | 5,596 |
| Loan and lease loss provision to assets | 0.2179% | 2,760 |
| Net operating income to assets | 0.9465% | 2,715 |
| Return on assets (ROA) | 0.9465% | 2,922 |
| Pretax return on assets | 1.0212% | 3,600 |
| Return on Equity (ROE) | 8.9974% | 2,836 |
| Retained earnings to average equity (ytd only) | -5.2090% | 6,595 |
| Net charge-offs to loans | -0.0248% | 6,255 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5709% | 4,640 |
| Assets per employee ($millions) | 4.6598% | 2,720 |
| Cash dividends to net income (ytd only)* | 157.8947% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 4,349 |
| Loan loss allowance to noncurrent loans | 428.1553% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 6,494 |
| Noncurrent loans to loans | 0.3405% | 5,990 |
| Net loans and leases to total assets | 45.6965% | 5,819 |
| Net loans and leases to deposits | 51.9274% | 5,975 |
| Net loans and leases to core deposits | 52.5573% | 6,162 |
| Total domestic deposits to total assets | 88.0007% | 2,321 |
| Equity capital to assets | 10.3147% | 3,715 |
| Core capital (leverage) ratio | 9.5788% | 3,952 |
| Tier 1 risk-based capital ratio | 16.1483% | 3,098 |
| Total risk-based capital ratio | 17.3146% | 3,109 |
| Memoranda: | ||
| Average total assets | $64,239,000 | 5,950 |
| Average earning assets | $57,896,500 | 5,943 |
| Average equity | $6,757,500 | 5,941 |
| Average total loans | $32,261,500 | 5,990 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 5,343 |
| Cost of funding earning assets | 0.6836% | 5,639 |
| Net interest margin | 3.7367% | 4,128 |
| Noninterest income to average assets | 0.4107% | 4,530 |
| Noninterest expense to average assets | 2.5514% | 5,286 |
| Loan and lease loss provision to assets | 0.0555% | 5,904 |
| Net operating income to assets | 1.1057% | 1,806 |
| Return on assets (ROA) | 1.1057% | 1,925 |
| Pretax return on assets | 1.1798% | 2,526 |
| Return on Equity (ROE) | 10.2025% | 1,989 |
| Retained earnings to average equity (ytd only) | 1.5995% | 5,072 |
| Net charge-offs to loans | 0.0161% | 6,211 |
| Credit loss provision to net charge-offs | 660.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 146.8000% | 230 |
| Efficiency ratio | 67.3778% | 4,495 |
| Assets per employee ($millions) | 4.5172% | 2,878 |
| Cash dividends to net income (ytd only)* | 84.3227% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 5,495 |
| Loan loss allowance to noncurrent loans | 388.4615% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 6,537 |
| Noncurrent loans to loans | 0.3035% | 6,117 |
| Net loans and leases to total assets | 53.5523% | 5,103 |
| Net loans and leases to deposits | 61.1450% | 5,353 |
| Net loans and leases to core deposits | 61.9095% | 5,661 |
| Total domestic deposits to total assets | 87.5824% | 2,424 |
| Equity capital to assets | 10.7304% | 3,272 |
| Core capital (leverage) ratio | 10.5127% | 2,720 |
| Tier 1 risk-based capital ratio | 15.1164% | 3,569 |
| Total risk-based capital ratio | 16.1030% | 3,696 |
| Memoranda: | ||
| Average total assets | $59,417,800 | 6,059 |
| Average earning assets | $53,683,800 | 6,056 |
| Average equity | $6,439,600 | 6,030 |
| Average total loans | $31,066,800 | 6,121 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 5,417 |
| Cost of funding earning assets | 0.7239% | 5,634 |
| Net interest margin | 3.7298% | 4,204 |
| Noninterest income to average assets | 0.4105% | 4,585 |
| Noninterest expense to average assets | 2.5383% | 5,320 |
| Loan and lease loss provision to assets | 0.0342% | 6,009 |
| Net operating income to assets | 1.1517% | 1,806 |
| Return on assets (ROA) | 1.1517% | 1,924 |
| Pretax return on assets | 1.2338% | 2,510 |
| Return on Equity (ROE) | 10.5985% | 1,992 |
| Retained earnings to average equity (ytd only) | 0.0209% | 5,949 |
| Net charge-offs to loans | 0.0220% | 5,839 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 111.1409% | 325 |
| Efficiency ratio | 66.6866% | 4,588 |
| Assets per employee ($millions) | 4.0754% | 3,686 |
| Cash dividends to net income (ytd only)* | 99.8010% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,421 |
| Loan loss allowance to noncurrent loans | 329.9145% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 6,549 |
| Noncurrent loans to loans | 0.3668% | 6,122 |
| Net loans and leases to total assets | 55.2229% | 4,966 |
| Net loans and leases to deposits | 64.1267% | 5,153 |
| Net loans and leases to core deposits | 65.0320% | 5,519 |
| Total domestic deposits to total assets | 86.1154% | 3,159 |
| Equity capital to assets | 11.6587% | 2,534 |
| Core capital (leverage) ratio | 10.4189% | 2,972 |
| Tier 1 risk-based capital ratio | 15.3277% | 3,477 |
| Total risk-based capital ratio | 16.2998% | 3,603 |
| Memoranda: | ||
| Average total assets | $58,462,000 | 6,135 |
| Average earning assets | $53,227,750 | 6,118 |
| Average equity | $6,353,000 | 6,094 |
| Average total loans | $30,265,750 | 6,207 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 5,997 |
| Cost of funding earning assets | 0.7386% | 5,745 |
| Net interest margin | 3.5701% | 4,838 |
| Noninterest income to average assets | 0.4174% | 4,532 |
| Noninterest expense to average assets | 2.5657% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0181% | 2,146 |
| Return on assets (ROA) | 1.0181% | 2,240 |
| Pretax return on assets | 1.0996% | 2,850 |
| Return on Equity (ROE) | 9.5949% | 2,271 |
| Retained earnings to average equity (ytd only) | -4.2218% | 6,493 |
| Net charge-offs to loans | 0.0336% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 64.8000% | 505 |
| Efficiency ratio | 70.0000% | 4,122 |
| Assets per employee ($millions) | 4.1276% | 3,495 |
| Cash dividends to net income (ytd only)* | 144.0000% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,632 |
| Loan loss allowance to noncurrent loans | 845.4545% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 6,909 |
| Noncurrent loans to loans | 0.1397% | 6,625 |
| Net loans and leases to total assets | 53.8764% | 5,310 |
| Net loans and leases to deposits | 61.9834% | 5,506 |
| Net loans and leases to core deposits | 62.8467% | 5,822 |
| Total domestic deposits to total assets | 86.9207% | 2,785 |
| Equity capital to assets | 10.9871% | 2,969 |
| Core capital (leverage) ratio | 10.3141% | 2,917 |
| Tier 1 risk-based capital ratio | 15.2052% | 3,392 |
| Total risk-based capital ratio | 16.1565% | 3,517 |
| Memoranda: | ||
| Average total assets | $58,930,670 | 6,174 |
| Average earning assets | $53,612,670 | 6,159 |
| Average equity | $6,253,330 | 6,158 |
| Average total loans | $29,723,000 | 6,299 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 6,539 |
| Cost of funding earning assets | 0.7582% | 5,814 |
| Net interest margin | 3.3243% | 5,698 |
| Noninterest income to average assets | 0.4168% | 4,572 |
| Noninterest expense to average assets | 2.5410% | 5,419 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8605% | 2,738 |
| Return on assets (ROA) | 0.8605% | 2,802 |
| Pretax return on assets | 0.9411% | 3,358 |
| Return on Equity (ROE) | 8.2507% | 2,799 |
| Retained earnings to average equity (ytd only) | -10.4423% | 6,887 |
| Net charge-offs to loans | 0.0277% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 437 |
| Efficiency ratio | 72.9730% | 3,691 |
| Assets per employee ($millions) | 4.2546% | 3,327 |
| Cash dividends to net income (ytd only)* | 226.5625% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 4,786 |
| Loan loss allowance to noncurrent loans | 130.7692% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 6,027 |
| Noncurrent loans to loans | 1.0512% | 4,955 |
| Net loans and leases to total assets | 45.0466% | 6,379 |
| Net loans and leases to deposits | 51.3354% | 6,531 |
| Net loans and leases to core deposits | 52.0181% | 6,676 |
| Total domestic deposits to total assets | 87.7495% | 2,524 |
| Equity capital to assets | 10.3568% | 3,342 |
| Core capital (leverage) ratio | 9.9186% | 3,247 |
| Tier 1 risk-based capital ratio | 16.3949% | 2,707 |
| Total risk-based capital ratio | 17.4322% | 2,783 |
| Memoranda: | ||
| Average total assets | $59,503,000 | 6,197 |
| Average earning assets | $54,869,000 | 6,174 |
| Average equity | $6,205,500 | 6,181 |
| Average total loans | $28,832,000 | 6,382 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 4,523 |
| Cost of funding earning assets | 0.9392% | 5,986 |
| Net interest margin | 4.0684% | 2,716 |
| Noninterest income to average assets | 0.4712% | 4,376 |
| Noninterest expense to average assets | 2.7463% | 4,797 |
| Loan and lease loss provision to assets | 0.0184% | 6,928 |
| Net operating income to assets | 1.3419% | 1,076 |
| Return on assets (ROA) | 1.3419% | 1,147 |
| Pretax return on assets | 1.4302% | 1,565 |
| Return on Equity (ROE) | 11.6801% | 1,398 |
| Retained earnings to average equity (ytd only) | 3.6690% | 3,290 |
| Net charge-offs to loans | -0.0536% | 7,455 |
| Credit loss provision to net charge-offs | -62.5000% | 7,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4673% | 5,076 |
| Assets per employee ($millions) | 3.9627% | 3,863 |
| Cash dividends to net income (ytd only)* | 68.5871% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,346 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 6,094 |
| Noncurrent loans to loans | 0.9259% | 5,198 |
| Net loans and leases to total assets | 50.6082% | 6,096 |
| Net loans and leases to deposits | 57.7212% | 6,281 |
| Net loans and leases to core deposits | 58.2060% | 6,546 |
| Total domestic deposits to total assets | 87.6769% | 2,436 |
| Equity capital to assets | 10.5012% | 3,152 |
| Core capital (leverage) ratio | 10.6616% | 2,402 |
| Tier 1 risk-based capital ratio | 16.9350% | 2,367 |
| Total risk-based capital ratio | 17.9842% | 2,415 |
| Memoranda: | ||
| Average total assets | $54,327,800 | 6,390 |
| Average earning assets | $49,724,800 | 6,376 |
| Average equity | $6,241,400 | 6,292 |
| Average total loans | $29,843,600 | 6,404 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 4,253 |
| Cost of funding earning assets | 0.9802% | 6,035 |
| Net interest margin | 4.1324% | 2,475 |
| Noninterest income to average assets | 0.4851% | 4,296 |
| Noninterest expense to average assets | 2.6993% | 4,884 |
| Loan and lease loss provision to assets | 0.0126% | 6,906 |
| Net operating income to assets | 1.4653% | 987 |
| Return on assets (ROA) | 1.4653% | 1,065 |
| Pretax return on assets | 1.5557% | 1,460 |
| Return on Equity (ROE) | 12.4544% | 1,394 |
| Retained earnings to average equity (ytd only) | 1.7730% | 5,083 |
| Net charge-offs to loans | -0.0449% | 7,456 |
| Credit loss provision to net charge-offs | -50.0000% | 6,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2509% | 5,391 |
| Assets per employee ($millions) | 3.6715% | 4,563 |
| Cash dividends to net income (ytd only)* | 85.7637% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 5,184 |
| Loan loss allowance to noncurrent loans | 126.7361% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 6,121 |
| Noncurrent loans to loans | 0.9919% | 5,251 |
| Net loans and leases to total assets | 52.0582% | 6,095 |
| Net loans and leases to deposits | 60.5350% | 6,270 |
| Net loans and leases to core deposits | 61.0897% | 6,533 |
| Total domestic deposits to total assets | 85.9968% | 3,079 |
| Equity capital to assets | 11.6046% | 2,450 |
| Core capital (leverage) ratio | 10.8889% | 2,345 |
| Tier 1 risk-based capital ratio | 16.0563% | 2,732 |
| Total risk-based capital ratio | 17.0464% | 2,810 |
| Memoranda: | ||
| Average total assets | $53,049,500 | 6,506 |
| Average earning assets | $48,558,750 | 6,484 |
| Average equity | $6,241,250 | 6,381 |
| Average total loans | $29,690,000 | 6,502 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 3,701 |
| Cost of funding earning assets | 1.0026% | 6,126 |
| Net interest margin | 4.2496% | 1,964 |
| Noninterest income to average assets | 0.4697% | 4,361 |
| Noninterest expense to average assets | 2.7189% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5274% | 857 |
| Return on assets (ROA) | 1.5274% | 918 |
| Pretax return on assets | 1.6191% | 1,252 |
| Return on Equity (ROE) | 12.9213% | 1,260 |
| Retained earnings to average equity (ytd only) | -0.9691% | 5,962 |
| Net charge-offs to loans | -0.0736% | 7,515 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6761% | 5,578 |
| Assets per employee ($millions) | 3.4270% | 5,100 |
| Cash dividends to net income (ytd only)* | 107.5000% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,480 |
| Loan loss allowance to noncurrent loans | 63.3333% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 4,918 |
| Noncurrent loans to loans | 1.8875% | 3,879 |
| Net loans and leases to total assets | 58.0430% | 5,414 |
| Net loans and leases to deposits | 67.9534% | 5,568 |
| Net loans and leases to core deposits | 68.6255% | 6,006 |
| Total domestic deposits to total assets | 85.4158% | 3,410 |
| Equity capital to assets | 12.1233% | 2,029 |
| Core capital (leverage) ratio | 10.8941% | 2,330 |
| Tier 1 risk-based capital ratio | 15.7597% | 2,772 |
| Total risk-based capital ratio | 16.7405% | 2,862 |
| Memoranda: | ||
| Average total assets | $52,375,000 | 6,568 |
| Average earning assets | $47,675,000 | 6,562 |
| Average equity | $6,191,330 | 6,409 |
| Average total loans | $29,908,330 | 6,533 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 4,215 |
| Cost of funding earning assets | 1.0018% | 6,370 |
| Net interest margin | 4.1646% | 2,175 |
| Noninterest income to average assets | 0.3632% | 5,233 |
| Noninterest expense to average assets | 2.4064% | 6,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6723% | 653 |
| Return on assets (ROA) | 1.6723% | 703 |
| Pretax return on assets | 1.7631% | 947 |
| Return on Equity (ROE) | 14.3251% | 989 |
| Retained earnings to average equity (ytd only) | -4.4725% | 6,548 |
| Net charge-offs to loans | -0.0403% | 7,287 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7132% | 6,527 |
| Assets per employee ($millions) | 3.5654% | 4,897 |
| Cash dividends to net income (ytd only)* | 131.2217% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 5,359 |
| Loan loss allowance to noncurrent loans | 54.8989% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 4,770 |
| Noncurrent loans to loans | 2.2335% | 3,479 |
| Net loans and leases to total assets | 53.1703% | 6,133 |
| Net loans and leases to deposits | 61.6098% | 6,315 |
| Net loans and leases to core deposits | 62.2259% | 6,584 |
| Total domestic deposits to total assets | 86.3017% | 2,984 |
| Equity capital to assets | 11.4807% | 2,379 |
| Core capital (leverage) ratio | 10.6521% | 2,496 |
| Tier 1 risk-based capital ratio | 16.3158% | 2,520 |
| Total risk-based capital ratio | 17.3160% | 2,581 |
| Memoranda: | ||
| Average total assets | $52,860,000 | 6,638 |
| Average earning assets | $48,311,500 | 6,618 |
| Average equity | $6,171,000 | 6,461 |
| Average total loans | $29,763,500 | 6,619 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8963% | 2,253 |
| Cost of funding earning assets | 1.2048% | 6,643 |
| Net interest margin | 4.6915% | 846 |
| Noninterest income to average assets | 0.5149% | 4,290 |
| Noninterest expense to average assets | 3.2439% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4398% | 785 |
| Return on assets (ROA) | 1.4398% | 841 |
| Pretax return on assets | 1.5586% | 1,058 |
| Return on Equity (ROE) | 12.3799% | 1,079 |
| Retained earnings to average equity (ytd only) | 5.4833% | 1,586 |
| Net charge-offs to loans | 0.0427% | 6,682 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 60.5385% | 447 |
| Efficiency ratio | 67.5464% | 5,089 |
| Assets per employee ($millions) | 3.2649% | 5,575 |
| Cash dividends to net income (ytd only)* | 55.7084% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 5,698 |
| Loan loss allowance to noncurrent loans | 65.0558% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 5,045 |
| Noncurrent loans to loans | 1.7503% | 4,013 |
| Net loans and leases to total assets | 58.1711% | 5,640 |
| Net loans and leases to deposits | 67.8031% | 5,856 |
| Net loans and leases to core deposits | 76.3192% | 6,374 |
| Total domestic deposits to total assets | 85.7941% | 3,113 |
| Equity capital to assets | 11.8724% | 2,097 |
| Core capital (leverage) ratio | 11.5511% | 1,887 |
| Tier 1 risk-based capital ratio | 16.6519% | 2,256 |
| Total risk-based capital ratio | 17.6529% | 2,306 |
| Memoranda: | ||
| Average total assets | $50,494,800 | 6,687 |
| Average earning assets | $46,147,400 | 6,677 |
| Average equity | $5,872,400 | 6,646 |
| Average total loans | $30,465,800 | 6,601 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9151% | 2,381 |
| Cost of funding earning assets | 1.2590% | 6,686 |
| Net interest margin | 4.6561% | 901 |
| Noninterest income to average assets | 0.5354% | 4,194 |
| Noninterest expense to average assets | 3.2601% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4782% | 856 |
| Return on assets (ROA) | 1.4782% | 917 |
| Pretax return on assets | 1.5501% | 1,279 |
| Return on Equity (ROE) | 12.7803% | 1,150 |
| Retained earnings to average equity (ytd only) | 3.4542% | 3,366 |
| Net charge-offs to loans | -0.0044% | 7,623 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7741% | 5,026 |
| Assets per employee ($millions) | 3.0651% | 6,000 |
| Cash dividends to net income (ytd only)* | 72.9736% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,281 |
| Loan loss allowance to noncurrent loans | 48.8591% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5191% | 4,089 |
| Noncurrent loans to loans | 2.4002% | 3,138 |
| Net loans and leases to total assets | 62.5484% | 5,153 |
| Net loans and leases to deposits | 74.5588% | 5,283 |
| Net loans and leases to core deposits | 85.4457% | 5,921 |
| Total domestic deposits to total assets | 83.8914% | 3,772 |
| Equity capital to assets | 12.4873% | 1,967 |
| Core capital (leverage) ratio | 11.3627% | 2,146 |
| Tier 1 risk-based capital ratio | 16.4693% | 2,442 |
| Total risk-based capital ratio | 17.5311% | 2,458 |
| Memoranda: | ||
| Average total assets | $50,058,750 | 6,755 |
| Average earning assets | $45,960,250 | 6,738 |
| Average equity | $5,790,000 | 6,740 |
| Average total loans | $30,397,750 | 6,661 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8301% | 2,902 |
| Cost of funding earning assets | 1.2937% | 6,830 |
| Net interest margin | 4.5364% | 1,086 |
| Noninterest income to average assets | 0.5238% | 4,241 |
| Noninterest expense to average assets | 3.2422% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3850% | 1,058 |
| Return on assets (ROA) | 1.3850% | 1,126 |
| Pretax return on assets | 1.4564% | 1,573 |
| Return on Equity (ROE) | 12.2916% | 1,335 |
| Retained earnings to average equity (ytd only) | 0.4931% | 5,011 |
| Net charge-offs to loans | 0.0663% | 5,577 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 36.7000% | 862 |
| Efficiency ratio | 69.0034% | 4,981 |
| Assets per employee ($millions) | 3.0788% | 5,920 |
| Cash dividends to net income (ytd only)* | 95.9885% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 5,445 |
| Loan loss allowance to noncurrent loans | 19.4490% | 7,161 |
| Noncurrent assets plus other real estate owned to assets | 3.6845% | 1,673 |
| Noncurrent loans to loans | 5.7709% | 967 |
| Net loans and leases to total assets | 63.1303% | 5,157 |
| Net loans and leases to deposits | 73.7007% | 5,496 |
| Net loans and leases to core deposits | 85.4106% | 5,974 |
| Total domestic deposits to total assets | 85.6577% | 2,937 |
| Equity capital to assets | 11.6870% | 2,394 |
| Core capital (leverage) ratio | 11.0023% | 2,395 |
| Tier 1 risk-based capital ratio | 15.2616% | 2,904 |
| Total risk-based capital ratio | 16.2402% | 2,963 |
| Memoranda: | ||
| Average total assets | $50,397,670 | 6,808 |
| Average earning assets | $46,380,000 | 6,781 |
| Average equity | $5,678,670 | 6,842 |
| Average total loans | $30,184,000 | 6,721 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8139% | 3,229 |
| Cost of funding earning assets | 1.3338% | 6,920 |
| Net interest margin | 4.4801% | 1,175 |
| Noninterest income to average assets | 0.4630% | 4,650 |
| Noninterest expense to average assets | 3.1158% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3891% | 1,164 |
| Return on assets (ROA) | 1.3891% | 1,254 |
| Pretax return on assets | 1.4598% | 1,784 |
| Return on Equity (ROE) | 12.5543% | 1,499 |
| Retained earnings to average equity (ytd only) | -1.2767% | 5,954 |
| Net charge-offs to loans | 0.0135% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 229 |
| Efficiency ratio | 68.0961% | 4,950 |
| Assets per employee ($millions) | 3.0701% | 5,970 |
| Cash dividends to net income (ytd only)* | 110.1695% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 4,328 |
| Loan loss allowance to noncurrent loans | 101.6854% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 5,347 |
| Noncurrent loans to loans | 1.2412% | 4,485 |
| Net loans and leases to total assets | 57.6556% | 6,001 |
| Net loans and leases to deposits | 67.1735% | 6,254 |
| Net loans and leases to core deposits | 79.0251% | 6,458 |
| Total domestic deposits to total assets | 85.8309% | 2,807 |
| Equity capital to assets | 11.5348% | 2,569 |
| Core capital (leverage) ratio | 10.7419% | 2,704 |
| Tier 1 risk-based capital ratio | 16.1171% | 2,647 |
| Total risk-based capital ratio | 17.1839% | 2,651 |
| Memoranda: | ||
| Average total assets | $50,966,500 | 6,821 |
| Average earning assets | $46,784,500 | 6,805 |
| Average equity | $5,639,500 | 6,902 |
| Average total loans | $29,550,500 | 6,794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4039% | 3,399 |
| Cost of funding earning assets | 1.8875% | 6,768 |
| Net interest margin | 4.5164% | 1,382 |
| Noninterest income to average assets | 0.6231% | 3,690 |
| Noninterest expense to average assets | 3.2805% | 3,032 |
| Loan and lease loss provision to assets | 0.0478% | 6,820 |
| Net operating income to assets | 1.3319% | 1,397 |
| Return on assets (ROA) | 1.3357% | 1,337 |
| Pretax return on assets | 1.4093% | 1,946 |
| Return on Equity (ROE) | 12.3464% | 1,497 |
| Retained earnings to average equity (ytd only) | 0.2944% | 5,065 |
| Net charge-offs to loans | 0.0605% | 5,912 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 40.5556% | 913 |
| Efficiency ratio | 69.3019% | 4,477 |
| Assets per employee ($millions) | 3.3008% | 5,208 |
| Cash dividends to net income (ytd only)* | 97.6155% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 4,582 |
| Loan loss allowance to noncurrent loans | 110.0000% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 5,327 |
| Noncurrent loans to loans | 1.0849% | 4,394 |
| Net loans and leases to total assets | 56.9094% | 6,341 |
| Net loans and leases to deposits | 68.2092% | 6,441 |
| Net loans and leases to core deposits | 78.5772% | 6,717 |
| Total domestic deposits to total assets | 83.4337% | 3,596 |
| Equity capital to assets | 10.6283% | 3,364 |
| Core capital (leverage) ratio | 10.8781% | 2,686 |
| Tier 1 risk-based capital ratio | 15.6178% | 2,809 |
| Total risk-based capital ratio | 16.6519% | 2,816 |
| Memoranda: | ||
| Average total assets | $50,236,600 | 6,765 |
| Average earning assets | $45,722,200 | 6,782 |
| Average equity | $5,434,800 | 7,003 |
| Average total loans | $29,752,000 | 6,721 |