Home > Okey-Vernon First National Bank > Performance and Condition Ratios
Okey-Vernon First National Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 4,558 |
| Cost of funding earning assets | 0.5610% | 1,607 |
| Net interest margin | 3.0488% | 4,979 |
| Noninterest income to average assets | 0.1639% | 5,502 |
| Noninterest expense to average assets | 2.2620% | 4,705 |
| Loan and lease loss provision to assets | 0.0596% | 2,947 |
| Net operating income to assets | 0.7002% | 3,787 |
| Return on assets (ROA) | 0.7002% | 3,947 |
| Pretax return on assets | 0.7300% | 4,533 |
| Return on Equity (ROE) | 5.2092% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.2092% | 2,596 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1253% | 2,338 |
| Assets per employee ($millions) | 7.2273% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 4,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 42.5157% | 5,312 |
| Net loans and leases to deposits | 49.4883% | 5,360 |
| Net loans and leases to core deposits | 50.1759% | 5,424 |
| Total domestic deposits to total assets | 85.9107% | 2,467 |
| Equity capital to assets | 13.7597% | 1,116 |
| Core capital (leverage) ratio | 13.3996% | 1,016 |
| Tier 1 risk-based capital ratio | 25.9692% | 726 |
| Total risk-based capital ratio | 26.8191% | 745 |
| Memoranda: | ||
| Average total assets | $80,547,000 | 4,803 |
| Average earning assets | $76,292,330 | 4,751 |
| Average equity | $10,827,000 | 4,523 |
| Average total loans | $32,973,330 | 5,199 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 4,732 |
| Cost of funding earning assets | 0.5474% | 1,737 |
| Net interest margin | 3.0134% | 5,086 |
| Noninterest income to average assets | 0.1628% | 5,520 |
| Noninterest expense to average assets | 1.7713% | 5,678 |
| Loan and lease loss provision to assets | 0.0592% | 2,771 |
| Net operating income to assets | 1.1249% | 1,813 |
| Return on assets (ROA) | 1.1249% | 1,916 |
| Pretax return on assets | 1.1842% | 2,764 |
| Return on Equity (ROE) | 8.4672% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.4672% | 1,274 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7561% | 4,907 |
| Assets per employee ($millions) | 5.9429% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 4,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.2236% | 5,546 |
| Net loans and leases to deposits | 44.0599% | 5,589 |
| Net loans and leases to core deposits | 44.7941% | 5,630 |
| Total domestic deposits to total assets | 86.7536% | 2,326 |
| Equity capital to assets | 13.0829% | 1,370 |
| Core capital (leverage) ratio | 13.5406% | 972 |
| Tier 1 risk-based capital ratio | 26.1665% | 726 |
| Total risk-based capital ratio | 26.9982% | 740 |
| Memoranda: | ||
| Average total assets | $81,070,500 | 4,836 |
| Average earning assets | $76,723,500 | 4,780 |
| Average equity | $10,771,000 | 4,545 |
| Average total loans | $32,381,000 | 5,260 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4598% | 5,030 |
| Cost of funding earning assets | 0.5059% | 2,111 |
| Net interest margin | 2.9539% | 5,236 |
| Noninterest income to average assets | 0.1518% | 5,658 |
| Noninterest expense to average assets | 1.7948% | 5,744 |
| Loan and lease loss provision to assets | 0.0612% | 3,079 |
| Net operating income to assets | 1.0208% | 2,254 |
| Return on assets (ROA) | 1.0256% | 2,314 |
| Pretax return on assets | 1.0792% | 3,157 |
| Return on Equity (ROE) | 7.7570% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.9721% | 1,810 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2538% | 4,726 |
| Assets per employee ($millions) | 5.6386% | 1,666 |
| Cash dividends to net income (ytd only)* | 23.0100% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 4,472 |
| Loan loss allowance to noncurrent loans | 16,700.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,719 |
| Noncurrent loans to loans | 0.0061% | 5,523 |
| Net loans and leases to total assets | 40.8913% | 5,469 |
| Net loans and leases to deposits | 47.3953% | 5,503 |
| Net loans and leases to core deposits | 48.4154% | 5,552 |
| Total domestic deposits to total assets | 86.2771% | 2,500 |
| Equity capital to assets | 13.5000% | 1,126 |
| Core capital (leverage) ratio | 13.0658% | 1,126 |
| Tier 1 risk-based capital ratio | 25.8014% | 751 |
| Total risk-based capital ratio | 26.6100% | 772 |
| Memoranda: | ||
| Average total assets | $78,391,000 | 4,901 |
| Average earning assets | $73,732,600 | 4,863 |
| Average equity | $10,364,800 | 4,585 |
| Average total loans | $31,976,000 | 5,296 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 5,092 |
| Cost of funding earning assets | 0.4913% | 2,305 |
| Net interest margin | 2.9626% | 5,281 |
| Noninterest income to average assets | 0.1670% | 5,645 |
| Noninterest expense to average assets | 1.7703% | 5,822 |
| Loan and lease loss provision to assets | 0.0613% | 2,954 |
| Net operating income to assets | 1.0669% | 2,143 |
| Return on assets (ROA) | 1.0734% | 2,212 |
| Pretax return on assets | 1.1262% | 3,115 |
| Return on Equity (ROE) | 8.1617% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.1900% | 1,607 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9885% | 4,891 |
| Assets per employee ($millions) | 5.7404% | 1,554 |
| Cash dividends to net income (ytd only)* | 11.9050% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 40.4947% | 5,565 |
| Net loans and leases to deposits | 46.7815% | 5,619 |
| Net loans and leases to core deposits | 47.9653% | 5,655 |
| Total domestic deposits to total assets | 86.5615% | 2,250 |
| Equity capital to assets | 13.1809% | 1,362 |
| Core capital (leverage) ratio | 13.4129% | 1,053 |
| Tier 1 risk-based capital ratio | 25.3682% | 822 |
| Total risk-based capital ratio | 26.1393% | 856 |
| Memoranda: | ||
| Average total assets | $78,253,500 | 4,961 |
| Average earning assets | $73,537,000 | 4,922 |
| Average equity | $10,291,750 | 4,656 |
| Average total loans | $31,816,500 | 5,360 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2709% | 5,495 |
| Cost of funding earning assets | 0.4845% | 2,393 |
| Net interest margin | 2.7864% | 5,640 |
| Noninterest income to average assets | 0.1754% | 5,647 |
| Noninterest expense to average assets | 1.7692% | 5,893 |
| Loan and lease loss provision to assets | 0.0619% | 2,872 |
| Net operating income to assets | 0.9162% | 2,797 |
| Return on assets (ROA) | 0.9259% | 2,878 |
| Pretax return on assets | 0.9800% | 3,661 |
| Return on Equity (ROE) | 7.0452% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.5734% | 2,490 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1676% | 4,489 |
| Assets per employee ($millions) | 5.6101% | 1,648 |
| Cash dividends to net income (ytd only)* | 20.8914% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 5,048 |
| Loan loss allowance to noncurrent loans | 30.0679% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 1.3127% | 1,917 |
| Noncurrent loans to loans | 3.2013% | 588 |
| Net loans and leases to total assets | 40.6101% | 5,596 |
| Net loans and leases to deposits | 46.8707% | 5,637 |
| Net loans and leases to core deposits | 48.0839% | 5,686 |
| Total domestic deposits to total assets | 86.6428% | 2,350 |
| Equity capital to assets | 13.1420% | 1,327 |
| Core capital (leverage) ratio | 13.0248% | 1,154 |
| Tier 1 risk-based capital ratio | 25.3487% | 828 |
| Total risk-based capital ratio | 26.1100% | 862 |
| Memoranda: | ||
| Average total assets | $77,549,330 | 5,027 |
| Average earning assets | $73,069,330 | 4,982 |
| Average equity | $10,191,330 | 4,700 |
| Average total loans | $31,466,670 | 5,414 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2295% | 5,601 |
| Cost of funding earning assets | 0.4731% | 2,526 |
| Net interest margin | 2.7563% | 5,727 |
| Noninterest income to average assets | 0.1973% | 5,532 |
| Noninterest expense to average assets | 1.7910% | 5,916 |
| Loan and lease loss provision to assets | 0.0623% | 2,682 |
| Net operating income to assets | 0.8893% | 2,792 |
| Return on assets (ROA) | 0.9137% | 2,808 |
| Pretax return on assets | 0.9708% | 3,602 |
| Return on Equity (ROE) | 6.9524% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.9524% | 2,032 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0074% | 4,480 |
| Assets per employee ($millions) | 5.7554% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 5,136 |
| Loan loss allowance to noncurrent loans | 28.9040% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2795% | 2,080 |
| Noncurrent loans to loans | 3.3850% | 586 |
| Net loans and leases to total assets | 37.4305% | 5,753 |
| Net loans and leases to deposits | 42.9513% | 5,801 |
| Net loans and leases to core deposits | 43.8633% | 5,846 |
| Total domestic deposits to total assets | 87.1463% | 2,291 |
| Equity capital to assets | 12.6762% | 1,584 |
| Core capital (leverage) ratio | 13.3226% | 1,046 |
| Tier 1 risk-based capital ratio | 26.3030% | 767 |
| Total risk-based capital ratio | 27.0705% | 788 |
| Memoranda: | ||
| Average total assets | $77,053,000 | 5,087 |
| Average earning assets | $72,705,500 | 5,036 |
| Average equity | $10,126,000 | 4,756 |
| Average total loans | $31,097,000 | 5,470 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 5,148 |
| Cost of funding earning assets | 0.4345% | 3,336 |
| Net interest margin | 3.1410% | 5,093 |
| Noninterest income to average assets | 0.2084% | 5,617 |
| Noninterest expense to average assets | 2.0083% | 5,747 |
| Loan and lease loss provision to assets | 0.0628% | 3,260 |
| Net operating income to assets | 1.0310% | 2,260 |
| Return on assets (ROA) | 1.0748% | 2,126 |
| Pretax return on assets | 1.1562% | 2,849 |
| Return on Equity (ROE) | 7.7823% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.0072% | 1,410 |
| Net charge-offs to loans | -0.0034% | 5,422 |
| Credit loss provision to net charge-offs | -4,400.0000% | 6,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1508% | 4,732 |
| Assets per employee ($millions) | 5.2521% | 2,014 |
| Cash dividends to net income (ytd only)* | 9.9602% | 4,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 5,471 |
| Loan loss allowance to noncurrent loans | 25.9764% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 1,827 |
| Noncurrent loans to loans | 3.4692% | 596 |
| Net loans and leases to total assets | 42.7717% | 5,561 |
| Net loans and leases to deposits | 49.6731% | 5,599 |
| Net loans and leases to core deposits | 50.8455% | 5,675 |
| Total domestic deposits to total assets | 86.1064% | 2,777 |
| Equity capital to assets | 13.6516% | 1,097 |
| Core capital (leverage) ratio | 13.3699% | 1,007 |
| Tier 1 risk-based capital ratio | 24.0852% | 942 |
| Total risk-based capital ratio | 24.7715% | 984 |
| Memoranda: | ||
| Average total assets | $70,059,000 | 5,285 |
| Average earning assets | $66,284,800 | 5,216 |
| Average equity | $9,675,800 | 4,819 |
| Average total loans | $29,423,400 | 5,582 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5468% | 5,281 |
| Cost of funding earning assets | 0.4233% | 3,542 |
| Net interest margin | 3.1236% | 5,189 |
| Noninterest income to average assets | 0.2062% | 5,694 |
| Noninterest expense to average assets | 2.0002% | 5,772 |
| Loan and lease loss provision to assets | 0.0617% | 3,121 |
| Net operating income to assets | 1.0291% | 2,325 |
| Return on assets (ROA) | 1.0560% | 2,278 |
| Pretax return on assets | 1.1311% | 3,065 |
| Return on Equity (ROE) | 7.6226% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.5794% | 2,052 |
| Net charge-offs to loans | -0.0046% | 5,287 |
| Credit loss provision to net charge-offs | -3,200.0000% | 6,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2156% | 4,682 |
| Assets per employee ($millions) | 5.2309% | 1,983 |
| Cash dividends to net income (ytd only)* | 13.6864% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 5,667 |
| Loan loss allowance to noncurrent loans | 24.2693% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 1.5417% | 1,993 |
| Noncurrent loans to loans | 3.6175% | 648 |
| Net loans and leases to total assets | 42.2425% | 5,651 |
| Net loans and leases to deposits | 48.9393% | 5,705 |
| Net loans and leases to core deposits | 49.4083% | 5,817 |
| Total domestic deposits to total assets | 86.3161% | 2,692 |
| Equity capital to assets | 13.4272% | 1,216 |
| Core capital (leverage) ratio | 13.7600% | 910 |
| Tier 1 risk-based capital ratio | 20.7824% | 1,498 |
| Total risk-based capital ratio | 21.3615% | 1,612 |
| Memoranda: | ||
| Average total assets | $69,191,250 | 5,368 |
| Average earning assets | $65,521,250 | 5,296 |
| Average equity | $9,585,250 | 4,876 |
| Average total loans | $28,845,250 | 5,669 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 5,317 |
| Cost of funding earning assets | 0.4135% | 3,734 |
| Net interest margin | 3.1245% | 5,175 |
| Noninterest income to average assets | 0.2005% | 5,758 |
| Noninterest expense to average assets | 2.0518% | 5,722 |
| Loan and lease loss provision to assets | 0.0590% | 3,094 |
| Net operating income to assets | 0.9610% | 2,504 |
| Return on assets (ROA) | 0.9905% | 2,439 |
| Pretax return on assets | 1.0819% | 3,175 |
| Return on Equity (ROE) | 7.0717% | 3,592 |
| Retained earnings to average equity (ytd only) | 5.4932% | 2,638 |
| Net charge-offs to loans | -0.0071% | 5,242 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8649% | 4,557 |
| Assets per employee ($millions) | 4.9756% | 2,245 |
| Cash dividends to net income (ytd only)* | 22.3214% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 5,779 |
| Loan loss allowance to noncurrent loans | 23.2064% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6208% | 2,018 |
| Noncurrent loans to loans | 3.7925% | 653 |
| Net loans and leases to total assets | 42.3592% | 5,652 |
| Net loans and leases to deposits | 49.3065% | 5,686 |
| Net loans and leases to core deposits | 50.0170% | 5,788 |
| Total domestic deposits to total assets | 85.9099% | 3,088 |
| Equity capital to assets | 13.8116% | 1,045 |
| Core capital (leverage) ratio | 13.8851% | 866 |
| Tier 1 risk-based capital ratio | 24.4330% | 940 |
| Total risk-based capital ratio | 25.0984% | 984 |
| Memoranda: | ||
| Average total assets | $67,844,330 | 5,451 |
| Average earning assets | $64,331,000 | 5,376 |
| Average equity | $9,502,670 | 4,908 |
| Average total loans | $28,057,330 | 5,746 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 5,298 |
| Cost of funding earning assets | 0.4049% | 3,910 |
| Net interest margin | 3.1441% | 5,106 |
| Noninterest income to average assets | 0.2211% | 5,586 |
| Noninterest expense to average assets | 2.0676% | 5,746 |
| Loan and lease loss provision to assets | 0.0478% | 3,135 |
| Net operating income to assets | 0.9382% | 2,463 |
| Return on assets (ROA) | 0.9980% | 2,275 |
| Pretax return on assets | 1.1354% | 2,744 |
| Return on Equity (ROE) | 7.0736% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.0736% | 2,010 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7940% | 4,730 |
| Assets per employee ($millions) | 4.9631% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 5,815 |
| Loan loss allowance to noncurrent loans | 20.9596% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 1.7097% | 2,066 |
| Noncurrent loans to loans | 4.3770% | 573 |
| Net loans and leases to total assets | 38.7039% | 5,892 |
| Net loans and leases to deposits | 44.9520% | 5,920 |
| Net loans and leases to core deposits | 45.5999% | 6,010 |
| Total domestic deposits to total assets | 86.1004% | 3,312 |
| Equity capital to assets | 13.7111% | 1,035 |
| Core capital (leverage) ratio | 14.2988% | 732 |
| Tier 1 risk-based capital ratio | 25.5779% | 824 |
| Total risk-based capital ratio | 26.2464% | 870 |
| Memoranda: | ||
| Average total assets | $66,937,000 | 5,535 |
| Average earning assets | $63,229,000 | 5,465 |
| Average equity | $9,443,500 | 4,952 |
| Average total loans | $27,201,500 | 5,840 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 5,240 |
| Cost of funding earning assets | 0.3774% | 4,866 |
| Net interest margin | 3.2843% | 4,722 |
| Noninterest income to average assets | 0.2267% | 5,721 |
| Noninterest expense to average assets | 2.1618% | 5,706 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1239% | 1,855 |
| Return on assets (ROA) | 1.1661% | 1,752 |
| Pretax return on assets | 1.2083% | 2,542 |
| Return on Equity (ROE) | 8.2449% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.5318% | 1,666 |
| Net charge-offs to loans | -0.0079% | 5,992 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9601% | 4,744 |
| Assets per employee ($millions) | 4.5993% | 2,718 |
| Cash dividends to net income (ytd only)* | 20.7775% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 5,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 41.9630% | 5,828 |
| Net loans and leases to deposits | 49.8037% | 5,784 |
| Net loans and leases to core deposits | 50.5964% | 5,899 |
| Total domestic deposits to total assets | 84.2569% | 4,074 |
| Equity capital to assets | 14.5364% | 775 |
| Core capital (leverage) ratio | 14.2866% | 744 |
| Tier 1 risk-based capital ratio | 25.7108% | 795 |
| Total risk-based capital ratio | 26.3728% | 827 |
| Memoranda: | ||
| Average total assets | $63,973,000 | 5,650 |
| Average earning assets | $60,409,400 | 5,578 |
| Average equity | $9,048,000 | 5,068 |
| Average total loans | $25,254,200 | 5,970 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 5,389 |
| Cost of funding earning assets | 0.3794% | 5,005 |
| Net interest margin | 3.2397% | 4,860 |
| Noninterest income to average assets | 0.2213% | 5,842 |
| Noninterest expense to average assets | 2.2024% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0229% | 2,285 |
| Return on assets (ROA) | 1.0793% | 2,169 |
| Pretax return on assets | 1.1231% | 3,008 |
| Return on Equity (ROE) | 7.6847% | 3,291 |
| Retained earnings to average equity (ytd only) | 6.5699% | 2,095 |
| Net charge-offs to loans | -0.0054% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3691% | 4,218 |
| Assets per employee ($millions) | 4.3511% | 3,140 |
| Cash dividends to net income (ytd only)* | 14.5071% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 6,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 40.0515% | 6,027 |
| Net loans and leases to deposits | 47.0753% | 6,029 |
| Net loans and leases to core deposits | 47.5472% | 6,146 |
| Total domestic deposits to total assets | 85.0795% | 3,700 |
| Equity capital to assets | 14.1130% | 932 |
| Core capital (leverage) ratio | 14.4468% | 749 |
| Tier 1 risk-based capital ratio | 25.5096% | 832 |
| Total risk-based capital ratio | 26.1743% | 868 |
| Memoranda: | ||
| Average total assets | $63,868,750 | 5,713 |
| Average earning assets | $60,086,000 | 5,650 |
| Average equity | $8,970,000 | 5,143 |
| Average total loans | $24,752,500 | 6,053 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 5,448 |
| Cost of funding earning assets | 0.3834% | 5,097 |
| Net interest margin | 3.2117% | 4,904 |
| Noninterest income to average assets | 0.2429% | 5,714 |
| Noninterest expense to average assets | 2.3090% | 5,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9022% | 2,781 |
| Return on assets (ROA) | 0.9873% | 2,526 |
| Pretax return on assets | 1.0315% | 3,368 |
| Return on Equity (ROE) | 7.0419% | 3,577 |
| Retained earnings to average equity (ytd only) | 5.3545% | 2,839 |
| Net charge-offs to loans | -0.0083% | 5,734 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9302% | 3,655 |
| Assets per employee ($millions) | 4.2251% | 3,303 |
| Cash dividends to net income (ytd only)* | 23.9617% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 5,914 |
| Loan loss allowance to noncurrent loans | 1,142.8571% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 6,419 |
| Noncurrent loans to loans | 0.0852% | 6,139 |
| Net loans and leases to total assets | 38.4909% | 6,143 |
| Net loans and leases to deposits | 44.9817% | 6,169 |
| Net loans and leases to core deposits | 45.4434% | 6,257 |
| Total domestic deposits to total assets | 85.5702% | 3,599 |
| Equity capital to assets | 14.2120% | 903 |
| Core capital (leverage) ratio | 14.1344% | 789 |
| Tier 1 risk-based capital ratio | 26.3247% | 746 |
| Total risk-based capital ratio | 27.0262% | 776 |
| Memoranda: | ||
| Average total assets | $63,403,000 | 5,764 |
| Average earning assets | $59,470,670 | 5,710 |
| Average equity | $8,889,670 | 5,200 |
| Average total loans | $24,210,000 | 6,111 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 5,610 |
| Cost of funding earning assets | 0.3836% | 5,251 |
| Net interest margin | 3.1566% | 5,068 |
| Noninterest income to average assets | 0.3028% | 5,276 |
| Noninterest expense to average assets | 2.2013% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0155% | 2,159 |
| Return on assets (ROA) | 1.0155% | 2,277 |
| Pretax return on assets | 1.0597% | 3,110 |
| Return on Equity (ROE) | 7.2925% | 3,330 |
| Retained earnings to average equity (ytd only) | 5.6166% | 2,889 |
| Net charge-offs to loans | -0.0167% | 5,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5048% | 4,409 |
| Assets per employee ($millions) | 4.3230% | 3,294 |
| Cash dividends to net income (ytd only)* | 22.9814% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 5,933 |
| Loan loss allowance to noncurrent loans | 571.4286% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 6,409 |
| Noncurrent loans to loans | 0.1777% | 5,960 |
| Net loans and leases to total assets | 36.0783% | 6,289 |
| Net loans and leases to deposits | 41.8800% | 6,326 |
| Net loans and leases to core deposits | 42.2964% | 6,391 |
| Total domestic deposits to total assets | 86.1470% | 3,451 |
| Equity capital to assets | 13.7142% | 1,131 |
| Core capital (leverage) ratio | 14.3683% | 700 |
| Tier 1 risk-based capital ratio | 26.8395% | 724 |
| Total risk-based capital ratio | 27.5638% | 749 |
| Memoranda: | ||
| Average total assets | $63,416,500 | 5,823 |
| Average earning assets | $59,431,500 | 5,763 |
| Average equity | $8,831,000 | 5,266 |
| Average total loans | $23,998,000 | 6,172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 5,843 |
| Cost of funding earning assets | 0.4551% | 5,542 |
| Net interest margin | 3.3362% | 5,118 |
| Noninterest income to average assets | 0.2280% | 5,810 |
| Noninterest expense to average assets | 2.4644% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8853% | 2,888 |
| Return on assets (ROA) | 0.9618% | 2,732 |
| Pretax return on assets | 1.0117% | 3,512 |
| Return on Equity (ROE) | 6.7753% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.1811% | 2,590 |
| Net charge-offs to loans | -0.0044% | 6,376 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4914% | 3,325 |
| Assets per employee ($millions) | 4.4277% | 3,097 |
| Cash dividends to net income (ytd only)* | 23.5294% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 6,027 |
| Loan loss allowance to noncurrent loans | 569.0476% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 6,443 |
| Noncurrent loans to loans | 0.1724% | 6,050 |
| Net loans and leases to total assets | 38.9140% | 6,233 |
| Net loans and leases to deposits | 47.6842% | 6,127 |
| Net loans and leases to core deposits | 48.2083% | 6,255 |
| Total domestic deposits to total assets | 81.6077% | 5,224 |
| Equity capital to assets | 14.1463% | 987 |
| Core capital (leverage) ratio | 14.2192% | 737 |
| Tier 1 risk-based capital ratio | 26.4318% | 732 |
| Total risk-based capital ratio | 27.1522% | 769 |
| Memoranda: | ||
| Average total assets | $60,095,400 | 5,920 |
| Average earning assets | $57,130,600 | 5,834 |
| Average equity | $8,531,000 | 5,356 |
| Average total loans | $22,709,200 | 6,311 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 5,984 |
| Cost of funding earning assets | 0.4760% | 5,590 |
| Net interest margin | 3.3415% | 5,241 |
| Noninterest income to average assets | 0.2393% | 5,838 |
| Noninterest expense to average assets | 2.5270% | 4,996 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8386% | 3,269 |
| Return on assets (ROA) | 0.9415% | 3,013 |
| Pretax return on assets | 0.9862% | 3,768 |
| Return on Equity (ROE) | 6.6260% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.5012% | 3,728 |
| Net charge-offs to loans | -0.0060% | 6,292 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0984% | 2,967 |
| Assets per employee ($millions) | 4.3643% | 3,140 |
| Cash dividends to net income (ytd only)* | 32.0673% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 5,922 |
| Loan loss allowance to noncurrent loans | 97.5510% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 5,689 |
| Noncurrent loans to loans | 1.0700% | 4,303 |
| Net loans and leases to total assets | 37.0835% | 6,480 |
| Net loans and leases to deposits | 43.2751% | 6,539 |
| Net loans and leases to core deposits | 43.7312% | 6,610 |
| Total domestic deposits to total assets | 85.6923% | 3,420 |
| Equity capital to assets | 14.0966% | 1,121 |
| Core capital (leverage) ratio | 14.9435% | 619 |
| Tier 1 risk-based capital ratio | 27.1712% | 728 |
| Total risk-based capital ratio | 27.9252% | 750 |
| Memoranda: | ||
| Average total assets | $59,622,250 | 5,998 |
| Average earning assets | $56,579,250 | 5,918 |
| Average equity | $8,471,500 | 5,419 |
| Average total loans | $22,296,250 | 6,405 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 5,940 |
| Cost of funding earning assets | 0.4881% | 5,696 |
| Net interest margin | 3.4022% | 5,080 |
| Noninterest income to average assets | 0.2435% | 5,827 |
| Noninterest expense to average assets | 2.5943% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8219% | 3,293 |
| Return on assets (ROA) | 1.0147% | 2,624 |
| Pretax return on assets | 1.0722% | 3,406 |
| Return on Equity (ROE) | 7.1222% | 3,718 |
| Retained earnings to average equity (ytd only) | 3.8935% | 4,022 |
| Net charge-offs to loans | -0.0091% | 6,271 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6835% | 2,952 |
| Assets per employee ($millions) | 3.8256% | 4,257 |
| Cash dividends to net income (ytd only)* | 45.3333% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 5,887 |
| Loan loss allowance to noncurrent loans | 113.8095% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 5,866 |
| Noncurrent loans to loans | 0.9425% | 4,625 |
| Net loans and leases to total assets | 38.4114% | 6,447 |
| Net loans and leases to deposits | 46.0821% | 6,432 |
| Net loans and leases to core deposits | 46.6142% | 6,541 |
| Total domestic deposits to total assets | 83.3542% | 4,604 |
| Equity capital to assets | 14.7968% | 834 |
| Core capital (leverage) ratio | 14.3823% | 718 |
| Tier 1 risk-based capital ratio | 27.8494% | 651 |
| Total risk-based capital ratio | 28.6333% | 676 |
| Memoranda: | ||
| Average total assets | $59,129,670 | 6,048 |
| Average earning assets | $56,140,000 | 5,964 |
| Average equity | $8,424,330 | 5,440 |
| Average total loans | $22,096,000 | 6,460 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 6,029 |
| Cost of funding earning assets | 0.4868% | 5,890 |
| Net interest margin | 3.4074% | 5,093 |
| Noninterest income to average assets | 0.2800% | 5,626 |
| Noninterest expense to average assets | 2.5999% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8400% | 3,199 |
| Return on assets (ROA) | 0.9266% | 3,010 |
| Pretax return on assets | 0.9866% | 3,720 |
| Return on Equity (ROE) | 6.6261% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,898 |
| Net charge-offs to loans | -0.0182% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2857% | 3,053 |
| Assets per employee ($millions) | 4.1409% | 3,707 |
| Cash dividends to net income (ytd only)* | 7.9137% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,796 |
| Loan loss allowance to noncurrent loans | 110.6481% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 6,014 |
| Noncurrent loans to loans | 1.0227% | 4,635 |
| Net loans and leases to total assets | 33.6178% | 6,760 |
| Net loans and leases to deposits | 38.9527% | 6,784 |
| Net loans and leases to core deposits | 39.3521% | 6,838 |
| Total domestic deposits to total assets | 86.3040% | 3,357 |
| Equity capital to assets | 13.6123% | 1,196 |
| Core capital (leverage) ratio | 14.5203% | 684 |
| Tier 1 risk-based capital ratio | 27.8675% | 652 |
| Total risk-based capital ratio | 28.6552% | 673 |
| Memoranda: | ||
| Average total assets | $60,002,500 | 6,062 |
| Average earning assets | $56,700,000 | 5,987 |
| Average equity | $8,391,000 | 5,473 |
| Average total loans | $22,003,500 | 6,513 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 6,361 |
| Cost of funding earning assets | 0.6918% | 5,594 |
| Net interest margin | 3.3600% | 5,612 |
| Noninterest income to average assets | 0.2361% | 5,846 |
| Noninterest expense to average assets | 2.4019% | 5,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9768% | 2,295 |
| Return on assets (ROA) | 0.9768% | 2,430 |
| Pretax return on assets | 1.0247% | 3,142 |
| Return on Equity (ROE) | 7.0301% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.7032% | 2,853 |
| Net charge-offs to loans | -0.0089% | 6,876 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0949% | 3,938 |
| Assets per employee ($millions) | 3.8595% | 4,182 |
| Cash dividends to net income (ytd only)* | 33.0998% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 6,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.1228% | 6,591 |
| Net loans and leases to deposits | 46.4967% | 6,598 |
| Net loans and leases to core deposits | 47.2790% | 6,678 |
| Total domestic deposits to total assets | 84.1412% | 4,264 |
| Equity capital to assets | 14.3837% | 938 |
| Core capital (leverage) ratio | 14.3460% | 745 |
| Tier 1 risk-based capital ratio | 26.5014% | 738 |
| Total risk-based capital ratio | 27.2588% | 768 |
| Memoranda: | ||
| Average total assets | $58,453,400 | 6,089 |
| Average earning assets | $55,506,600 | 6,004 |
| Average equity | $8,122,200 | 5,534 |
| Average total loans | $22,554,800 | 6,528 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 6,569 |
| Cost of funding earning assets | 0.7249% | 5,628 |
| Net interest margin | 3.2847% | 5,902 |
| Noninterest income to average assets | 0.2389% | 5,917 |
| Noninterest expense to average assets | 2.4075% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9102% | 2,701 |
| Return on assets (ROA) | 0.9102% | 2,840 |
| Pretax return on assets | 0.9557% | 3,567 |
| Return on Equity (ROE) | 6.6079% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.6090% | 3,437 |
| Net charge-offs to loans | -0.0059% | 6,727 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5832% | 3,641 |
| Assets per employee ($millions) | 3.9059% | 4,055 |
| Cash dividends to net income (ytd only)* | 30.2501% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 6,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 38.3365% | 6,756 |
| Net loans and leases to deposits | 45.3758% | 6,769 |
| Net loans and leases to core deposits | 45.8856% | 6,849 |
| Total domestic deposits to total assets | 84.4868% | 4,015 |
| Equity capital to assets | 14.0368% | 1,141 |
| Core capital (leverage) ratio | 14.5999% | 751 |
| Tier 1 risk-based capital ratio | 26.1719% | 818 |
| Total risk-based capital ratio | 26.9261% | 844 |
| Memoranda: | ||
| Average total assets | $58,593,750 | 6,131 |
| Average earning assets | $55,732,250 | 6,042 |
| Average equity | $8,071,000 | 5,574 |
| Average total loans | $22,471,750 | 6,600 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 6,713 |
| Cost of funding earning assets | 0.7808% | 5,510 |
| Net interest margin | 3.1872% | 6,204 |
| Noninterest income to average assets | 0.2389% | 5,943 |
| Noninterest expense to average assets | 2.4268% | 5,760 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8158% | 3,007 |
| Return on assets (ROA) | 0.8158% | 3,133 |
| Pretax return on assets | 0.8636% | 3,785 |
| Return on Equity (ROE) | 5.9601% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.5910% | 3,949 |
| Net charge-offs to loans | -0.0089% | 6,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7552% | 3,403 |
| Assets per employee ($millions) | 3.8197% | 4,150 |
| Cash dividends to net income (ytd only)* | 39.7490% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 6,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 38.5385% | 6,834 |
| Net loans and leases to deposits | 44.9926% | 6,882 |
| Net loans and leases to core deposits | 45.8283% | 6,947 |
| Total domestic deposits to total assets | 85.6552% | 3,519 |
| Equity capital to assets | 14.1179% | 1,060 |
| Core capital (leverage) ratio | 13.6669% | 947 |
| Tier 1 risk-based capital ratio | 26.5265% | 756 |
| Total risk-based capital ratio | 27.3037% | 792 |
| Memoranda: | ||
| Average total assets | $58,595,330 | 6,187 |
| Average earning assets | $56,098,670 | 6,080 |
| Average equity | $8,020,000 | 5,603 |
| Average total loans | $22,396,330 | 6,670 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 6,812 |
| Cost of funding earning assets | 0.8057% | 5,548 |
| Net interest margin | 3.1027% | 6,346 |
| Noninterest income to average assets | 0.2566% | 5,843 |
| Noninterest expense to average assets | 2.3698% | 5,983 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8034% | 3,015 |
| Return on assets (ROA) | 0.8034% | 3,080 |
| Pretax return on assets | 0.8507% | 3,705 |
| Return on Equity (ROE) | 5.9608% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.0574% | 3,723 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5849% | 3,595 |
| Assets per employee ($millions) | 4.0955% | 3,652 |
| Cash dividends to net income (ytd only)* | 31.9328% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 6,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 34.8711% | 7,054 |
| Net loans and leases to deposits | 40.1989% | 7,094 |
| Net loans and leases to core deposits | 40.8840% | 7,139 |
| Total domestic deposits to total assets | 86.7463% | 3,094 |
| Equity capital to assets | 13.0649% | 1,356 |
| Core capital (leverage) ratio | 13.6404% | 926 |
| Tier 1 risk-based capital ratio | 25.9321% | 794 |
| Total risk-based capital ratio | 26.6947% | 814 |
| Memoranda: | ||
| Average total assets | $59,245,000 | 6,207 |
| Average earning assets | $56,595,500 | 6,114 |
| Average equity | $7,985,500 | 5,609 |
| Average total loans | $22,435,500 | 6,715 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 6,731 |
| Cost of funding earning assets | 0.8006% | 6,569 |
| Net interest margin | 3.5300% | 5,111 |
| Noninterest income to average assets | 0.3157% | 5,539 |
| Noninterest expense to average assets | 2.5853% | 5,474 |
| Loan and lease loss provision to assets | 0.0385% | 6,776 |
| Net operating income to assets | 0.9991% | 2,046 |
| Return on assets (ROA) | 0.9991% | 2,146 |
| Pretax return on assets | 1.0530% | 2,763 |
| Return on Equity (ROE) | 6.7354% | 3,246 |
| Retained earnings to average equity (ytd only) | 6.2941% | 1,666 |
| Net charge-offs to loans | 0.0046% | 6,800 |
| Credit loss provision to net charge-offs | 2,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 567.0000% | 39 |
| Efficiency ratio | 70.3141% | 4,113 |
| Assets per employee ($millions) | 3.8039% | 4,248 |
| Cash dividends to net income (ytd only)* | 6.5511% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 6,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 40.2696% | 6,945 |
| Net loans and leases to deposits | 46.8603% | 7,004 |
| Net loans and leases to core deposits | 47.9707% | 7,070 |
| Total domestic deposits to total assets | 85.9354% | 3,390 |
| Equity capital to assets | 13.9244% | 1,059 |
| Core capital (leverage) ratio | 13.6987% | 930 |
| Tier 1 risk-based capital ratio | 25.1082% | 834 |
| Total risk-based capital ratio | 25.8541% | 867 |
| Memoranda: | ||
| Average total assets | $51,947,200 | 6,466 |
| Average earning assets | $49,461,800 | 6,389 |
| Average equity | $7,705,600 | 5,805 |
| Average total loans | $21,961,200 | 6,825 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 6,757 |
| Cost of funding earning assets | 0.7871% | 6,805 |
| Net interest margin | 3.6473% | 4,644 |
| Noninterest income to average assets | 0.3289% | 5,527 |
| Noninterest expense to average assets | 2.7314% | 4,752 |
| Loan and lease loss provision to assets | 0.0526% | 6,556 |
| Net operating income to assets | 0.9499% | 2,413 |
| Return on assets (ROA) | 0.9499% | 2,545 |
| Pretax return on assets | 1.0078% | 3,154 |
| Return on Equity (ROE) | 6.2953% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.2953% | 2,204 |
| Net charge-offs to loans | 0.0061% | 6,578 |
| Credit loss provision to net charge-offs | 2,000.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 404.0000% | 75 |
| Efficiency ratio | 72.0333% | 3,690 |
| Assets per employee ($millions) | 3.7547% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 39.5234% | 7,099 |
| Net loans and leases to deposits | 46.0641% | 7,172 |
| Net loans and leases to core deposits | 46.8868% | 7,235 |
| Total domestic deposits to total assets | 85.8010% | 3,189 |
| Equity capital to assets | 13.8865% | 1,203 |
| Core capital (leverage) ratio | 14.5702% | 805 |
| Tier 1 risk-based capital ratio | 25.3904% | 831 |
| Total risk-based capital ratio | 26.1565% | 852 |
| Memoranda: | ||
| Average total assets | $50,669,500 | 6,586 |
| Average earning assets | $48,106,750 | 6,504 |
| Average equity | $7,645,750 | 5,898 |
| Average total loans | $21,648,250 | 6,932 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 6,542 |
| Cost of funding earning assets | 0.7963% | 6,926 |
| Net interest margin | 3.7704% | 4,045 |
| Noninterest income to average assets | 0.3731% | 5,153 |
| Noninterest expense to average assets | 2.8574% | 4,236 |
| Loan and lease loss provision to assets | 0.0205% | 6,726 |
| Net operating income to assets | 1.0290% | 2,087 |
| Return on assets (ROA) | 1.0290% | 2,163 |
| Pretax return on assets | 1.0864% | 2,822 |
| Return on Equity (ROE) | 6.6163% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.6163% | 2,011 |
| Net charge-offs to loans | 0.0187% | 6,081 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 251 |
| Efficiency ratio | 72.0786% | 3,797 |
| Assets per employee ($millions) | 3.7700% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 6,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 41.4627% | 7,069 |
| Net loans and leases to deposits | 48.7036% | 7,126 |
| Net loans and leases to core deposits | 49.6326% | 7,225 |
| Total domestic deposits to total assets | 85.1326% | 3,558 |
| Equity capital to assets | 14.6097% | 973 |
| Core capital (leverage) ratio | 14.9025% | 742 |
| Tier 1 risk-based capital ratio | 25.8802% | 775 |
| Total risk-based capital ratio | 26.6186% | 798 |
| Memoranda: | ||
| Average total assets | $48,785,670 | 6,705 |
| Average earning assets | $46,466,670 | 6,611 |
| Average equity | $7,587,330 | 5,931 |
| Average total loans | $21,365,670 | 6,997 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 6,098 |
| Cost of funding earning assets | 0.7832% | 7,142 |
| Net interest margin | 3.9609% | 3,048 |
| Noninterest income to average assets | 0.3933% | 4,966 |
| Noninterest expense to average assets | 2.9323% | 3,942 |
| Loan and lease loss provision to assets | 0.0427% | 6,251 |
| Net operating income to assets | 1.1199% | 1,762 |
| Return on assets (ROA) | 1.1199% | 1,845 |
| Pretax return on assets | 1.1798% | 2,439 |
| Return on Equity (ROE) | 6.9630% | 3,362 |
| Retained earnings to average equity (ytd only) | 6.9630% | 2,149 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5761% | 4,198 |
| Assets per employee ($millions) | 3.2345% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 6,180 |
| Loan loss allowance to noncurrent loans | 2,220.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 7,441 |
| Noncurrent loans to loans | 0.0478% | 7,291 |
| Net loans and leases to total assets | 42.6605% | 7,081 |
| Net loans and leases to deposits | 50.6832% | 7,097 |
| Net loans and leases to core deposits | 51.3942% | 7,230 |
| Total domestic deposits to total assets | 84.1708% | 4,067 |
| Equity capital to assets | 15.6457% | 728 |
| Core capital (leverage) ratio | 16.3339% | 530 |
| Tier 1 risk-based capital ratio | 27.2079% | 693 |
| Total risk-based capital ratio | 28.0036% | 709 |
| Memoranda: | ||
| Average total assets | $46,788,500 | 6,847 |
| Average earning assets | $44,434,500 | 6,760 |
| Average equity | $7,525,500 | 6,006 |
| Average total loans | $20,996,500 | 7,102 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 6,764 |
| Cost of funding earning assets | 0.9661% | 7,271 |
| Net interest margin | 3.9111% | 3,223 |
| Noninterest income to average assets | 0.3682% | 5,458 |
| Noninterest expense to average assets | 2.9101% | 4,502 |
| Loan and lease loss provision to assets | 0.0329% | 7,203 |
| Net operating income to assets | 1.0562% | 1,641 |
| Return on assets (ROA) | 1.0562% | 1,684 |
| Pretax return on assets | 1.0979% | 2,260 |
| Return on Equity (ROE) | 6.5634% | 2,966 |
| Retained earnings to average equity (ytd only) | 4.1940% | 2,285 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0174% | 4,261 |
| Assets per employee ($millions) | 2.8162% | 6,633 |
| Cash dividends to net income (ytd only)* | 36.0996% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 6,220 |
| Loan loss allowance to noncurrent loans | 2,712.5000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 7,483 |
| Noncurrent loans to loans | 0.0380% | 7,334 |
| Net loans and leases to total assets | 46.2860% | 6,947 |
| Net loans and leases to deposits | 55.5878% | 6,943 |
| Net loans and leases to core deposits | 60.7621% | 7,236 |
| Total domestic deposits to total assets | 83.2664% | 4,397 |
| Equity capital to assets | 16.5561% | 611 |
| Core capital (leverage) ratio | 16.4691% | 555 |
| Tier 1 risk-based capital ratio | 27.3571% | 681 |
| Total risk-based capital ratio | 28.1528% | 696 |
| Memoranda: | ||
| Average total assets | $45,633,400 | 6,888 |
| Average earning assets | $42,852,600 | 6,822 |
| Average equity | $7,343,800 | 6,158 |
| Average total loans | $19,470,200 | 7,229 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 7,017 |
| Cost of funding earning assets | 1.0026% | 7,381 |
| Net interest margin | 3.8454% | 3,457 |
| Noninterest income to average assets | 0.3524% | 5,671 |
| Noninterest expense to average assets | 2.8951% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0194% | 1,990 |
| Return on assets (ROA) | 1.0194% | 2,062 |
| Pretax return on assets | 1.0544% | 2,721 |
| Return on Equity (ROE) | 6.3797% | 3,358 |
| Retained earnings to average equity (ytd only) | 6.3797% | 1,778 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3038% | 3,993 |
| Assets per employee ($millions) | 2.8230% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 6,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 46.3425% | 7,082 |
| Net loans and leases to deposits | 57.3369% | 7,004 |
| Net loans and leases to core deposits | 63.2520% | 7,276 |
| Total domestic deposits to total assets | 80.8249% | 5,145 |
| Equity capital to assets | 16.6091% | 691 |
| Core capital (leverage) ratio | 16.8652% | 569 |
| Tier 1 risk-based capital ratio | 27.6643% | 700 |
| Total risk-based capital ratio | 28.4092% | 718 |
| Memoranda: | ||
| Average total assets | $45,777,000 | 6,932 |
| Average earning assets | $42,820,500 | 6,876 |
| Average equity | $7,314,750 | 6,220 |
| Average total loans | $19,069,500 | 7,318 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 7,275 |
| Cost of funding earning assets | 1.0678% | 7,438 |
| Net interest margin | 3.7025% | 3,940 |
| Noninterest income to average assets | 0.3523% | 5,685 |
| Noninterest expense to average assets | 2.8708% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9134% | 2,403 |
| Return on assets (ROA) | 0.9134% | 2,498 |
| Pretax return on assets | 0.9352% | 3,226 |
| Return on Equity (ROE) | 5.7912% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.7912% | 2,121 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4286% | 3,798 |
| Assets per employee ($millions) | 2.8051% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 6,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 44.4732% | 7,297 |
| Net loans and leases to deposits | 53.7093% | 7,290 |
| Net loans and leases to core deposits | 60.4702% | 7,436 |
| Total domestic deposits to total assets | 82.8034% | 4,332 |
| Equity capital to assets | 16.4034% | 770 |
| Core capital (leverage) ratio | 15.9513% | 748 |
| Tier 1 risk-based capital ratio | 28.1853% | 703 |
| Total risk-based capital ratio | 28.9587% | 716 |
| Memoranda: | ||
| Average total assets | $45,980,000 | 6,985 |
| Average earning assets | $42,890,330 | 6,932 |
| Average equity | $7,252,330 | 6,279 |
| Average total loans | $18,381,330 | 7,429 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 7,589 |
| Cost of funding earning assets | 1.1333% | 7,455 |
| Net interest margin | 3.5011% | 4,735 |
| Noninterest income to average assets | 0.3697% | 5,463 |
| Noninterest expense to average assets | 2.8799% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7737% | 3,243 |
| Return on assets (ROA) | 0.7737% | 3,418 |
| Pretax return on assets | 0.7565% | 4,228 |
| Return on Equity (ROE) | 5.0017% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.0017% | 3,131 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1962% | 2,964 |
| Assets per employee ($millions) | 2.9753% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 37.1229% | 7,692 |
| Net loans and leases to deposits | 43.9263% | 7,726 |
| Net loans and leases to core deposits | 50.3461% | 7,781 |
| Total domestic deposits to total assets | 84.5118% | 3,457 |
| Equity capital to assets | 15.2130% | 1,043 |
| Core capital (leverage) ratio | 15.8050% | 808 |
| Tier 1 risk-based capital ratio | 29.2866% | 668 |
| Total risk-based capital ratio | 30.1035% | 682 |
| Memoranda: | ||
| Average total assets | $46,529,500 | 7,008 |
| Average earning assets | $43,414,500 | 6,961 |
| Average equity | $7,197,500 | 6,338 |
| Average total loans | $17,491,000 | 7,511 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 7,745 |
| Cost of funding earning assets | 1.4571% | 7,673 |
| Net interest margin | 3.6701% | 4,600 |
| Noninterest income to average assets | 0.3684% | 5,757 |
| Noninterest expense to average assets | 2.8989% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8075% | 3,408 |
| Return on assets (ROA) | 0.8075% | 3,247 |
| Pretax return on assets | 0.8648% | 3,838 |
| Return on Equity (ROE) | 5.1574% | 4,304 |
| Retained earnings to average equity (ytd only) | 2.1841% | 3,859 |
| Net charge-offs to loans | 0.0117% | 6,757 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 242 |
| Efficiency ratio | 77.0223% | 3,074 |
| Assets per employee ($millions) | 2.8409% | 6,467 |
| Cash dividends to net income (ytd only)* | 57.6503% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 4,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 37.1928% | 7,791 |
| Net loans and leases to deposits | 44.2797% | 7,840 |
| Net loans and leases to core deposits | 50.6395% | 7,876 |
| Total domestic deposits to total assets | 83.9952% | 3,322 |
| Equity capital to assets | 15.7364% | 991 |
| Core capital (leverage) ratio | 15.7202% | 879 |
| Tier 1 risk-based capital ratio | 30.3479% | 618 |
| Total risk-based capital ratio | 31.2049% | 624 |
| Memoranda: | ||
| Average total assets | $45,327,200 | 6,971 |
| Average earning assets | $41,934,000 | 6,952 |
| Average equity | $7,096,600 | 6,424 |
| Average total loans | $17,049,800 | 7,522 |