Home > Partnership Bank > Performance and Condition Ratios
Partnership Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 2,401 |
| Cost of funding earning assets | 0.8599% | 2,354 |
| Net interest margin | 3.8279% | 2,488 |
| Noninterest income to average assets | 0.4868% | 2,749 |
| Noninterest expense to average assets | 3.6849% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3221% | 4,848 |
| Return on assets (ROA) | 0.2926% | 4,896 |
| Pretax return on assets | 0.4032% | 4,823 |
| Return on Equity (ROE) | 3.2084% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.3878% | 4,595 |
| Net charge-offs to loans | 0.0551% | 1,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 9.0132% | 2,366 |
| Efficiency ratio | 88.9790% | 388 |
| Assets per employee ($millions) | 5.6413% | 1,832 |
| Cash dividends to net income (ytd only)* | 87.9121% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 4,380 |
| Loan loss allowance to noncurrent loans | 323.3380% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 3,662 |
| Noncurrent loans to loans | 0.2527% | 3,626 |
| Net loans and leases to total assets | 89.4309% | 67 |
| Net loans and leases to deposits | 102.9297% | 479 |
| Net loans and leases to core deposits | 106.0043% | 1,245 |
| Total domestic deposits to total assets | 86.8854% | 1,646 |
| Equity capital to assets | 9.1993% | 4,655 |
| Core capital (leverage) ratio | 8.9801% | 4,639 |
| Tier 1 risk-based capital ratio | 10.7926% | 4,996 |
| Total risk-based capital ratio | 11.6656% | 5,052 |
| Memoranda: | ||
| Average total assets | $310,996,330 | 2,109 |
| Average earning assets | $295,619,000 | 2,063 |
| Average equity | $28,363,330 | 2,494 |
| Average total loans | $275,789,670 | 1,732 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 2,666 |
| Cost of funding earning assets | 0.8300% | 2,373 |
| Net interest margin | 3.7300% | 2,781 |
| Noninterest income to average assets | 0.4753% | 2,703 |
| Noninterest expense to average assets | 3.0974% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6655% | 4,042 |
| Return on assets (ROA) | 0.6655% | 4,079 |
| Pretax return on assets | 0.9173% | 3,708 |
| Return on Equity (ROE) | 7.3284% | 3,535 |
| Retained earnings to average equity (ytd only) | 1.6694% | 4,148 |
| Net charge-offs to loans | 0.0073% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 142.8000% | 523 |
| Efficiency ratio | 76.8000% | 1,403 |
| Assets per employee ($millions) | 5.1838% | 2,299 |
| Cash dividends to net income (ytd only)* | 77.2201% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 4,354 |
| Loan loss allowance to noncurrent loans | 327.9555% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 3,716 |
| Noncurrent loans to loans | 0.2585% | 3,636 |
| Net loans and leases to total assets | 87.2097% | 135 |
| Net loans and leases to deposits | 99.5728% | 667 |
| Net loans and leases to core deposits | 101.8038% | 1,481 |
| Total domestic deposits to total assets | 87.5838% | 1,526 |
| Equity capital to assets | 8.9887% | 4,691 |
| Core capital (leverage) ratio | 9.1376% | 4,535 |
| Tier 1 risk-based capital ratio | 10.7083% | 5,106 |
| Total risk-based capital ratio | 11.6001% | 5,139 |
| Memoranda: | ||
| Average total assets | $311,358,500 | 2,119 |
| Average earning assets | $295,438,500 | 2,077 |
| Average equity | $28,273,500 | 2,504 |
| Average total loans | $273,802,000 | 1,748 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,873 |
| Cost of funding earning assets | 0.5346% | 3,146 |
| Net interest margin | 3.8327% | 2,554 |
| Noninterest income to average assets | 0.7312% | 1,727 |
| Noninterest expense to average assets | 2.7828% | 2,744 |
| Loan and lease loss provision to assets | 0.0411% | 3,370 |
| Net operating income to assets | 1.1138% | 2,536 |
| Return on assets (ROA) | 1.1138% | 2,540 |
| Pretax return on assets | 1.5337% | 1,670 |
| Return on Equity (ROE) | 12.3235% | 1,608 |
| Retained earnings to average equity (ytd only) | 12.3235% | 296 |
| Net charge-offs to loans | -0.0353% | 4,864 |
| Credit loss provision to net charge-offs | -136.3636% | 4,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5228% | 3,261 |
| Assets per employee ($millions) | 4.8652% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 4,257 |
| Loan loss allowance to noncurrent loans | 460.5058% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 3,983 |
| Noncurrent loans to loans | 0.1907% | 3,888 |
| Net loans and leases to total assets | 87.1475% | 161 |
| Net loans and leases to deposits | 101.8881% | 602 |
| Net loans and leases to core deposits | 105.2218% | 1,321 |
| Total domestic deposits to total assets | 85.5325% | 2,426 |
| Equity capital to assets | 9.1756% | 4,426 |
| Core capital (leverage) ratio | 9.2977% | 4,356 |
| Tier 1 risk-based capital ratio | 10.9956% | 4,987 |
| Total risk-based capital ratio | 11.9191% | 5,020 |
| Memoranda: | ||
| Average total assets | $291,973,200 | 2,196 |
| Average earning assets | $276,256,000 | 2,156 |
| Average equity | $26,388,600 | 2,547 |
| Average total loans | $249,581,000 | 1,825 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,948 |
| Cost of funding earning assets | 0.4840% | 3,303 |
| Net interest margin | 3.8210% | 2,564 |
| Noninterest income to average assets | 0.7667% | 1,594 |
| Noninterest expense to average assets | 2.8267% | 2,546 |
| Loan and lease loss provision to assets | 0.0555% | 2,863 |
| Net operating income to assets | 1.0871% | 2,726 |
| Return on assets (ROA) | 1.0871% | 2,735 |
| Pretax return on assets | 1.4982% | 1,901 |
| Return on Equity (ROE) | 12.0771% | 1,765 |
| Retained earnings to average equity (ytd only) | 12.0771% | 470 |
| Net charge-offs to loans | -0.0491% | 4,924 |
| Credit loss provision to net charge-offs | -133.3333% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1930% | 3,152 |
| Assets per employee ($millions) | 5.0058% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,208 |
| Loan loss allowance to noncurrent loans | 280.5687% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 3,580 |
| Noncurrent loans to loans | 0.3260% | 3,503 |
| Net loans and leases to total assets | 84.0124% | 454 |
| Net loans and leases to deposits | 95.9458% | 1,162 |
| Net loans and leases to core deposits | 99.2141% | 1,853 |
| Total domestic deposits to total assets | 87.5624% | 1,457 |
| Equity capital to assets | 8.8592% | 4,670 |
| Core capital (leverage) ratio | 9.2427% | 4,468 |
| Tier 1 risk-based capital ratio | 11.0269% | 5,024 |
| Total risk-based capital ratio | 11.9844% | 5,055 |
| Memoranda: | ||
| Average total assets | $288,339,500 | 2,229 |
| Average earning assets | $272,697,500 | 2,186 |
| Average equity | $25,954,750 | 2,585 |
| Average total loans | $244,606,000 | 1,859 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,126 |
| Cost of funding earning assets | 0.4371% | 3,444 |
| Net interest margin | 3.7589% | 2,720 |
| Noninterest income to average assets | 0.7698% | 1,573 |
| Noninterest expense to average assets | 2.8882% | 2,387 |
| Loan and lease loss provision to assets | 0.0531% | 2,853 |
| Net operating income to assets | 1.0019% | 3,008 |
| Return on assets (ROA) | 1.0019% | 3,008 |
| Pretax return on assets | 1.3818% | 2,213 |
| Return on Equity (ROE) | 11.0673% | 2,083 |
| Retained earnings to average equity (ytd only) | 11.0673% | 655 |
| Net charge-offs to loans | -0.0334% | 4,776 |
| Credit loss provision to net charge-offs | -187.5000% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4484% | 2,898 |
| Assets per employee ($millions) | 4.4536% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,209 |
| Loan loss allowance to noncurrent loans | 252.6667% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,524 |
| Noncurrent loans to loans | 0.3677% | 3,376 |
| Net loans and leases to total assets | 83.7689% | 482 |
| Net loans and leases to deposits | 98.3091% | 949 |
| Net loans and leases to core deposits | 101.4093% | 1,612 |
| Total domestic deposits to total assets | 85.2097% | 2,598 |
| Equity capital to assets | 9.0519% | 4,521 |
| Core capital (leverage) ratio | 9.1825% | 4,485 |
| Tier 1 risk-based capital ratio | 11.4168% | 4,827 |
| Total risk-based capital ratio | 12.4030% | 4,873 |
| Memoranda: | ||
| Average total assets | $282,667,330 | 2,265 |
| Average earning assets | $267,203,670 | 2,229 |
| Average equity | $25,589,000 | 2,619 |
| Average total loans | $239,839,670 | 1,887 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 2,935 |
| Cost of funding earning assets | 0.3990% | 3,596 |
| Net interest margin | 3.7832% | 2,488 |
| Noninterest income to average assets | 0.7849% | 1,501 |
| Noninterest expense to average assets | 2.8920% | 2,398 |
| Loan and lease loss provision to assets | 0.0716% | 2,331 |
| Net operating income to assets | 1.0084% | 2,824 |
| Return on assets (ROA) | 1.0084% | 2,844 |
| Pretax return on assets | 1.3937% | 2,034 |
| Return on Equity (ROE) | 11.1386% | 1,909 |
| Retained earnings to average equity (ytd only) | 11.1386% | 861 |
| Net charge-offs to loans | -0.0674% | 5,096 |
| Credit loss provision to net charge-offs | -125.0000% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0092% | 3,154 |
| Assets per employee ($millions) | 4.4240% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 4,316 |
| Loan loss allowance to noncurrent loans | 305.8503% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 3,536 |
| Noncurrent loans to loans | 0.3035% | 3,680 |
| Net loans and leases to total assets | 84.7500% | 359 |
| Net loans and leases to deposits | 99.5049% | 748 |
| Net loans and leases to core deposits | 102.9779% | 1,453 |
| Total domestic deposits to total assets | 85.1717% | 2,872 |
| Equity capital to assets | 9.0212% | 4,531 |
| Core capital (leverage) ratio | 9.1861% | 4,449 |
| Tier 1 risk-based capital ratio | 11.2678% | 4,997 |
| Total risk-based capital ratio | 12.2576% | 5,027 |
| Memoranda: | ||
| Average total assets | $279,257,500 | 2,306 |
| Average earning assets | $263,689,500 | 2,275 |
| Average equity | $25,281,500 | 2,670 |
| Average total loans | $237,372,500 | 1,912 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 3,738 |
| Cost of funding earning assets | 0.3037% | 4,104 |
| Net interest margin | 3.5925% | 3,195 |
| Noninterest income to average assets | 0.9020% | 1,262 |
| Noninterest expense to average assets | 2.8877% | 2,496 |
| Loan and lease loss provision to assets | 0.1234% | 1,857 |
| Net operating income to assets | 0.7800% | 3,249 |
| Return on assets (ROA) | 0.7812% | 3,285 |
| Pretax return on assets | 1.2767% | 2,446 |
| Return on Equity (ROE) | 8.6763% | 2,460 |
| Retained earnings to average equity (ytd only) | 7.2358% | 1,002 |
| Net charge-offs to loans | 0.0901% | 2,187 |
| Credit loss provision to net charge-offs | 169.0355% | 1,592 |
| Earnings coverage of net charge-offs (x) | 19.1523% | 2,034 |
| Efficiency ratio | 67.0039% | 3,080 |
| Assets per employee ($millions) | 4.4416% | 3,287 |
| Cash dividends to net income (ytd only)* | 16.6034% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 4,326 |
| Loan loss allowance to noncurrent loans | 255.9905% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 3,313 |
| Noncurrent loans to loans | 0.3625% | 3,470 |
| Net loans and leases to total assets | 83.6597% | 485 |
| Net loans and leases to deposits | 97.6911% | 924 |
| Net loans and leases to core deposits | 100.5008% | 1,673 |
| Total domestic deposits to total assets | 85.6370% | 2,598 |
| Equity capital to assets | 9.0860% | 4,634 |
| Core capital (leverage) ratio | 9.1636% | 4,443 |
| Tier 1 risk-based capital ratio | 11.4062% | 4,910 |
| Total risk-based capital ratio | 12.3931% | 4,949 |
| Memoranda: | ||
| Average total assets | $269,832,800 | 2,351 |
| Average earning assets | $254,170,000 | 2,323 |
| Average equity | $24,296,000 | 2,731 |
| Average total loans | $218,546,000 | 2,009 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 3,879 |
| Cost of funding earning assets | 0.3038% | 4,094 |
| Net interest margin | 3.5338% | 3,375 |
| Noninterest income to average assets | 0.8885% | 1,308 |
| Noninterest expense to average assets | 2.8435% | 2,584 |
| Loan and lease loss provision to assets | 0.0561% | 2,967 |
| Net operating income to assets | 0.8025% | 3,515 |
| Return on assets (ROA) | 0.8041% | 3,553 |
| Pretax return on assets | 1.3192% | 2,396 |
| Return on Equity (ROE) | 8.9514% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.9514% | 858 |
| Net charge-offs to loans | -0.0025% | 4,341 |
| Credit loss provision to net charge-offs | -2,825.0000% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0633% | 3,037 |
| Assets per employee ($millions) | 4.3881% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 4,072 |
| Loan loss allowance to noncurrent loans | 159.5078% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 3,088 |
| Noncurrent loans to loans | 0.6257% | 2,833 |
| Net loans and leases to total assets | 77.9924% | 1,272 |
| Net loans and leases to deposits | 89.5296% | 1,869 |
| Net loans and leases to core deposits | 91.7978% | 2,461 |
| Total domestic deposits to total assets | 87.1135% | 1,820 |
| Equity capital to assets | 9.1928% | 4,732 |
| Core capital (leverage) ratio | 9.1356% | 4,588 |
| Tier 1 risk-based capital ratio | 11.8129% | 4,760 |
| Total risk-based capital ratio | 12.8320% | 4,785 |
| Memoranda: | ||
| Average total assets | $268,445,750 | 2,372 |
| Average earning assets | $252,788,500 | 2,352 |
| Average equity | $24,114,750 | 2,772 |
| Average total loans | $215,047,250 | 2,042 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 3,979 |
| Cost of funding earning assets | 0.3049% | 4,034 |
| Net interest margin | 3.4696% | 3,508 |
| Noninterest income to average assets | 0.9115% | 1,240 |
| Noninterest expense to average assets | 2.8895% | 2,458 |
| Loan and lease loss provision to assets | 0.0696% | 2,584 |
| Net operating income to assets | 0.7417% | 3,663 |
| Return on assets (ROA) | 0.7417% | 3,729 |
| Pretax return on assets | 1.2139% | 2,726 |
| Return on Equity (ROE) | 8.3220% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.3220% | 1,049 |
| Net charge-offs to loans | -0.0242% | 4,848 |
| Credit loss provision to net charge-offs | -357.6923% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8486% | 2,867 |
| Assets per employee ($millions) | 4.7986% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 4,209 |
| Loan loss allowance to noncurrent loans | 92.9253% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 2,100 |
| Noncurrent loans to loans | 1.0656% | 1,839 |
| Net loans and leases to total assets | 78.2675% | 1,205 |
| Net loans and leases to deposits | 90.4894% | 1,667 |
| Net loans and leases to core deposits | 93.3038% | 2,215 |
| Total domestic deposits to total assets | 86.4935% | 2,168 |
| Equity capital to assets | 8.9207% | 4,968 |
| Core capital (leverage) ratio | 8.9842% | 4,744 |
| Tier 1 risk-based capital ratio | 11.5472% | 4,924 |
| Total risk-based capital ratio | 12.5707% | 4,962 |
| Memoranda: | ||
| Average total assets | $267,241,000 | 2,391 |
| Average earning assets | $251,213,330 | 2,371 |
| Average equity | $23,816,330 | 2,804 |
| Average total loans | $215,288,000 | 2,045 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 3,942 |
| Cost of funding earning assets | 0.3068% | 3,972 |
| Net interest margin | 3.4411% | 3,476 |
| Noninterest income to average assets | 1.0647% | 885 |
| Noninterest expense to average assets | 2.9913% | 2,183 |
| Loan and lease loss provision to assets | 0.0424% | 2,954 |
| Net operating income to assets | 0.7739% | 3,343 |
| Return on assets (ROA) | 0.7739% | 3,398 |
| Pretax return on assets | 1.2753% | 2,329 |
| Return on Equity (ROE) | 8.6888% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.6888% | 1,192 |
| Net charge-offs to loans | 0.0484% | 1,884 |
| Credit loss provision to net charge-offs | 107.6923% | 1,495 |
| Earnings coverage of net charge-offs (x) | 33.4615% | 1,147 |
| Efficiency ratio | 69.0334% | 3,038 |
| Assets per employee ($millions) | 4.4560% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 4,606 |
| Loan loss allowance to noncurrent loans | 80.9924% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 1,970 |
| Noncurrent loans to loans | 1.1606% | 1,750 |
| Net loans and leases to total assets | 79.7825% | 858 |
| Net loans and leases to deposits | 92.5501% | 1,264 |
| Net loans and leases to core deposits | 96.2746% | 1,802 |
| Total domestic deposits to total assets | 86.2046% | 2,577 |
| Equity capital to assets | 8.9154% | 4,895 |
| Core capital (leverage) ratio | 9.1153% | 4,596 |
| Tier 1 risk-based capital ratio | 11.6763% | 4,928 |
| Total risk-based capital ratio | 12.6748% | 4,977 |
| Memoranda: | ||
| Average total assets | $264,101,000 | 2,433 |
| Average earning assets | $248,992,500 | 2,405 |
| Average equity | $23,524,500 | 2,841 |
| Average total loans | $214,822,500 | 2,064 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8530% | 3,729 |
| Cost of funding earning assets | 0.3427% | 3,605 |
| Net interest margin | 3.5102% | 3,387 |
| Noninterest income to average assets | 1.1192% | 916 |
| Noninterest expense to average assets | 3.3650% | 1,428 |
| Loan and lease loss provision to assets | 0.2238% | 975 |
| Net operating income to assets | 0.4885% | 4,676 |
| Return on assets (ROA) | 0.5156% | 4,651 |
| Pretax return on assets | 0.8499% | 4,013 |
| Return on Equity (ROE) | 5.7128% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.7128% | 1,871 |
| Net charge-offs to loans | 0.1164% | 2,096 |
| Credit loss provision to net charge-offs | 238.3966% | 1,216 |
| Earnings coverage of net charge-offs (x) | 10.9873% | 2,576 |
| Efficiency ratio | 76.1553% | 1,958 |
| Assets per employee ($millions) | 4.3474% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 4,611 |
| Loan loss allowance to noncurrent loans | 69.7723% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 1,611 |
| Noncurrent loans to loans | 1.3522% | 1,520 |
| Net loans and leases to total assets | 81.3874% | 686 |
| Net loans and leases to deposits | 93.4335% | 1,256 |
| Net loans and leases to core deposits | 96.9680% | 1,837 |
| Total domestic deposits to total assets | 87.1073% | 2,082 |
| Equity capital to assets | 8.8992% | 4,912 |
| Core capital (leverage) ratio | 8.9093% | 4,843 |
| Tier 1 risk-based capital ratio | 10.8945% | 5,396 |
| Total risk-based capital ratio | 11.8555% | 5,451 |
| Memoranda: | ||
| Average total assets | $252,509,000 | 2,485 |
| Average earning assets | $235,741,000 | 2,474 |
| Average equity | $22,791,000 | 2,909 |
| Average total loans | $203,589,200 | 2,090 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 3,708 |
| Cost of funding earning assets | 0.3519% | 3,516 |
| Net interest margin | 3.5152% | 3,413 |
| Noninterest income to average assets | 1.1798% | 828 |
| Noninterest expense to average assets | 3.3766% | 1,392 |
| Loan and lease loss provision to assets | 0.1145% | 2,020 |
| Net operating income to assets | 0.5806% | 4,368 |
| Return on assets (ROA) | 0.6171% | 4,341 |
| Pretax return on assets | 1.0217% | 3,544 |
| Return on Equity (ROE) | 6.8118% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.8118% | 1,716 |
| Net charge-offs to loans | 0.0856% | 2,108 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 15.7128% | 2,165 |
| Efficiency ratio | 75.3973% | 2,051 |
| Assets per employee ($millions) | 4.0556% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 5,056 |
| Loan loss allowance to noncurrent loans | 62.3031% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.2654% | 1,536 |
| Noncurrent loans to loans | 1.3576% | 1,625 |
| Net loans and leases to total assets | 81.6678% | 665 |
| Net loans and leases to deposits | 94.3062% | 1,234 |
| Net loans and leases to core deposits | 99.6262% | 1,671 |
| Total domestic deposits to total assets | 86.5985% | 2,087 |
| Equity capital to assets | 9.1491% | 5,026 |
| Core capital (leverage) ratio | 9.0342% | 4,797 |
| Tier 1 risk-based capital ratio | 11.0834% | 5,328 |
| Total risk-based capital ratio | 11.9498% | 5,436 |
| Memoranda: | ||
| Average total assets | $250,425,000 | 2,507 |
| Average earning assets | $233,382,750 | 2,494 |
| Average equity | $22,685,500 | 2,947 |
| Average total loans | $200,907,250 | 2,120 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8442% | 3,791 |
| Cost of funding earning assets | 0.3598% | 3,454 |
| Net interest margin | 3.4844% | 3,542 |
| Noninterest income to average assets | 1.0340% | 1,047 |
| Noninterest expense to average assets | 3.4069% | 1,356 |
| Loan and lease loss provision to assets | 0.0724% | 2,688 |
| Net operating income to assets | 0.4764% | 4,779 |
| Return on assets (ROA) | 0.5315% | 4,671 |
| Pretax return on assets | 0.8805% | 4,024 |
| Return on Equity (ROE) | 5.8872% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.8872% | 2,191 |
| Net charge-offs to loans | 0.1325% | 1,535 |
| Credit loss provision to net charge-offs | 68.7023% | 2,489 |
| Earnings coverage of net charge-offs (x) | 8.2290% | 2,538 |
| Efficiency ratio | 79.3039% | 1,591 |
| Assets per employee ($millions) | 3.9385% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 5,302 |
| Loan loss allowance to noncurrent loans | 51.5757% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 1,330 |
| Noncurrent loans to loans | 1.5331% | 1,413 |
| Net loans and leases to total assets | 82.2809% | 597 |
| Net loans and leases to deposits | 95.8251% | 1,099 |
| Net loans and leases to core deposits | 101.7240% | 1,494 |
| Total domestic deposits to total assets | 85.8657% | 2,482 |
| Equity capital to assets | 9.0760% | 5,188 |
| Core capital (leverage) ratio | 8.8632% | 4,986 |
| Tier 1 risk-based capital ratio | 10.8877% | 5,486 |
| Total risk-based capital ratio | 11.6960% | 5,614 |
| Memoranda: | ||
| Average total assets | $248,733,000 | 2,542 |
| Average earning assets | $231,256,670 | 2,524 |
| Average equity | $22,455,330 | 2,973 |
| Average total loans | $197,729,000 | 2,145 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 3,860 |
| Cost of funding earning assets | 0.3696% | 3,400 |
| Net interest margin | 3.4550% | 3,646 |
| Noninterest income to average assets | 0.8581% | 1,423 |
| Noninterest expense to average assets | 3.4128% | 1,356 |
| Loan and lease loss provision to assets | 0.0567% | 2,811 |
| Net operating income to assets | 0.3608% | 5,108 |
| Return on assets (ROA) | 0.3805% | 5,122 |
| Pretax return on assets | 0.6282% | 4,737 |
| Return on Equity (ROE) | 4.2258% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.2258% | 3,363 |
| Net charge-offs to loans | 0.1854% | 1,053 |
| Credit loss provision to net charge-offs | 39.3258% | 2,151 |
| Earnings coverage of net charge-offs (x) | 4.5393% | 2,418 |
| Efficiency ratio | 83.4793% | 1,205 |
| Assets per employee ($millions) | 3.8506% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 5,275 |
| Loan loss allowance to noncurrent loans | 69.0817% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.8235% | 1,008 |
| Noncurrent loans to loans | 1.2062% | 2,016 |
| Net loans and leases to total assets | 77.9841% | 1,104 |
| Net loans and leases to deposits | 89.2890% | 1,661 |
| Net loans and leases to core deposits | 94.9089% | 1,898 |
| Total domestic deposits to total assets | 87.3389% | 2,034 |
| Equity capital to assets | 8.9629% | 5,204 |
| Core capital (leverage) ratio | 8.8739% | 4,991 |
| Tier 1 risk-based capital ratio | 10.7631% | 5,633 |
| Total risk-based capital ratio | 11.5661% | 5,748 |
| Memoranda: | ||
| Average total assets | $247,069,000 | 2,562 |
| Average earning assets | $229,464,500 | 2,552 |
| Average equity | $22,244,500 | 3,000 |
| Average total loans | $192,068,000 | 2,189 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 3,847 |
| Cost of funding earning assets | 0.3619% | 3,558 |
| Net interest margin | 3.4977% | 3,529 |
| Noninterest income to average assets | 0.9437% | 1,330 |
| Noninterest expense to average assets | 3.8351% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1753% | 5,631 |
| Return on assets (ROA) | 0.1753% | 5,681 |
| Pretax return on assets | 0.2934% | 5,534 |
| Return on Equity (ROE) | 1.8490% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.8490% | 4,671 |
| Net charge-offs to loans | 0.2215% | 1,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.7786% | 4,030 |
| Efficiency ratio | 92.4462% | 548 |
| Assets per employee ($millions) | 3.4836% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 5,067 |
| Loan loss allowance to noncurrent loans | 59.0244% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0074% | 875 |
| Noncurrent loans to loans | 1.5322% | 1,516 |
| Net loans and leases to total assets | 76.1194% | 1,402 |
| Net loans and leases to deposits | 84.7846% | 2,270 |
| Net loans and leases to core deposits | 89.6770% | 2,435 |
| Total domestic deposits to total assets | 89.7798% | 726 |
| Equity capital to assets | 9.0449% | 5,084 |
| Core capital (leverage) ratio | 8.6501% | 5,278 |
| Tier 1 risk-based capital ratio | 10.6894% | 5,681 |
| Total risk-based capital ratio | 11.5514% | 5,787 |
| Memoranda: | ||
| Average total assets | $232,796,200 | 2,637 |
| Average earning assets | $211,965,000 | 2,659 |
| Average equity | $22,066,000 | 2,967 |
| Average total loans | $173,383,400 | 2,310 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8914% | 3,761 |
| Cost of funding earning assets | 0.3645% | 3,609 |
| Net interest margin | 3.5269% | 3,440 |
| Noninterest income to average assets | 1.0195% | 1,143 |
| Noninterest expense to average assets | 3.8405% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2284% | 5,620 |
| Return on assets (ROA) | 0.2284% | 5,687 |
| Pretax return on assets | 0.3756% | 5,510 |
| Return on Equity (ROE) | 2.3804% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.3804% | 4,688 |
| Net charge-offs to loans | 0.1428% | 1,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.5605% | 3,488 |
| Efficiency ratio | 90.6516% | 655 |
| Assets per employee ($millions) | 3.2130% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 4,344 |
| Loan loss allowance to noncurrent loans | 63.2844% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.3503% | 766 |
| Noncurrent loans to loans | 1.7045% | 1,416 |
| Net loans and leases to total assets | 75.1629% | 1,515 |
| Net loans and leases to deposits | 84.2644% | 2,379 |
| Net loans and leases to core deposits | 89.4269% | 2,521 |
| Total domestic deposits to total assets | 89.1988% | 916 |
| Equity capital to assets | 9.6133% | 4,620 |
| Core capital (leverage) ratio | 9.0208% | 4,967 |
| Tier 1 risk-based capital ratio | 10.9718% | 5,670 |
| Total risk-based capital ratio | 11.9629% | 5,725 |
| Memoranda: | ||
| Average total assets | $230,032,500 | 2,681 |
| Average earning assets | $208,488,250 | 2,714 |
| Average equity | $22,068,500 | 2,981 |
| Average total loans | $169,901,250 | 2,364 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 3,702 |
| Cost of funding earning assets | 0.3665% | 3,636 |
| Net interest margin | 3.5314% | 3,374 |
| Noninterest income to average assets | 1.0375% | 1,101 |
| Noninterest expense to average assets | 3.8546% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2274% | 5,630 |
| Return on assets (ROA) | 0.2274% | 5,703 |
| Pretax return on assets | 0.3720% | 5,532 |
| Return on Equity (ROE) | 2.3715% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.3715% | 4,549 |
| Net charge-offs to loans | 0.2191% | 1,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.3207% | 3,363 |
| Efficiency ratio | 90.7667% | 700 |
| Assets per employee ($millions) | 3.5618% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 4,155 |
| Loan loss allowance to noncurrent loans | 91.9864% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 1,139 |
| Noncurrent loans to loans | 1.2341% | 2,190 |
| Net loans and leases to total assets | 71.2489% | 2,117 |
| Net loans and leases to deposits | 79.7787% | 2,824 |
| Net loans and leases to core deposits | 85.5489% | 2,813 |
| Total domestic deposits to total assets | 89.3083% | 1,000 |
| Equity capital to assets | 9.5329% | 4,609 |
| Core capital (leverage) ratio | 9.2607% | 4,605 |
| Tier 1 risk-based capital ratio | 11.8312% | 5,260 |
| Total risk-based capital ratio | 12.8704% | 5,308 |
| Memoranda: | ||
| Average total assets | $229,598,330 | 2,704 |
| Average earning assets | $207,342,670 | 2,740 |
| Average equity | $22,011,670 | 2,996 |
| Average total loans | $167,943,670 | 2,395 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 3,469 |
| Cost of funding earning assets | 0.3772% | 3,567 |
| Net interest margin | 3.5604% | 3,175 |
| Noninterest income to average assets | 0.9290% | 1,304 |
| Noninterest expense to average assets | 3.7824% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2117% | 5,657 |
| Return on assets (ROA) | 0.2117% | 5,750 |
| Pretax return on assets | 0.3499% | 5,540 |
| Return on Equity (ROE) | 2.2018% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.2018% | 4,580 |
| Net charge-offs to loans | 0.0522% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.0909% | 2,031 |
| Efficiency ratio | 91.0669% | 776 |
| Assets per employee ($millions) | 3.2426% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 3,902 |
| Loan loss allowance to noncurrent loans | 73.1412% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.2922% | 982 |
| Noncurrent loans to loans | 1.6574% | 1,677 |
| Net loans and leases to total assets | 73.8123% | 1,533 |
| Net loans and leases to deposits | 82.8747% | 2,225 |
| Net loans and leases to core deposits | 89.0106% | 2,221 |
| Total domestic deposits to total assets | 89.0649% | 1,219 |
| Equity capital to assets | 9.7377% | 4,448 |
| Core capital (leverage) ratio | 9.3716% | 4,471 |
| Tier 1 risk-based capital ratio | 11.6559% | 5,462 |
| Total risk-based capital ratio | 13.9306% | 4,714 |
| Memoranda: | ||
| Average total assets | $228,640,000 | 2,732 |
| Average earning assets | $205,705,000 | 2,774 |
| Average equity | $21,982,500 | 3,024 |
| Average total loans | $168,492,500 | 2,388 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 4,423 |
| Cost of funding earning assets | 0.3716% | 4,019 |
| Net interest margin | 3.4499% | 3,982 |
| Noninterest income to average assets | 0.9963% | 1,223 |
| Noninterest expense to average assets | 3.3103% | 1,905 |
| Loan and lease loss provision to assets | 0.0218% | 4,181 |
| Net operating income to assets | 0.4596% | 4,968 |
| Return on assets (ROA) | 0.4711% | 5,020 |
| Pretax return on assets | 0.7807% | 4,331 |
| Return on Equity (ROE) | 4.9991% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.9991% | 2,601 |
| Net charge-offs to loans | 0.0888% | 3,219 |
| Credit loss provision to net charge-offs | 36.8421% | 3,737 |
| Earnings coverage of net charge-offs (x) | 13.2842% | 2,280 |
| Efficiency ratio | 80.1913% | 1,900 |
| Assets per employee ($millions) | 5.3348% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 5,177 |
| Loan loss allowance to noncurrent loans | 89.9463% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.8756% | 1,374 |
| Noncurrent loans to loans | 1.0840% | 2,655 |
| Net loans and leases to total assets | 69.7279% | 2,273 |
| Net loans and leases to deposits | 78.7640% | 2,872 |
| Net loans and leases to core deposits | 83.3912% | 2,963 |
| Total domestic deposits to total assets | 88.5277% | 1,511 |
| Equity capital to assets | 9.1000% | 5,177 |
| Core capital (leverage) ratio | 9.0412% | 4,925 |
| Tier 1 risk-based capital ratio | 11.6759% | 5,563 |
| Total risk-based capital ratio | 12.5883% | 5,668 |
| Memoranda: | ||
| Average total assets | $160,891,400 | 3,478 |
| Average earning assets | $144,498,800 | 3,531 |
| Average equity | $15,162,600 | 3,805 |
| Average total loans | $107,021,200 | 3,290 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 4,540 |
| Cost of funding earning assets | 0.3753% | 4,072 |
| Net interest margin | 3.4260% | 4,124 |
| Noninterest income to average assets | 0.9358% | 1,406 |
| Noninterest expense to average assets | 2.9883% | 2,843 |
| Loan and lease loss provision to assets | 0.0084% | 4,249 |
| Net operating income to assets | 0.6269% | 4,318 |
| Return on assets (ROA) | 0.6269% | 4,422 |
| Pretax return on assets | 1.0275% | 3,478 |
| Return on Equity (ROE) | 6.5915% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.5915% | 2,044 |
| Net charge-offs to loans | 0.0206% | 4,116 |
| Credit loss provision to net charge-offs | 62.5000% | 2,896 |
| Earnings coverage of net charge-offs (x) | 76.9475% | 723 |
| Efficiency ratio | 73.7348% | 2,860 |
| Assets per employee ($millions) | 4.9185% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 4,704 |
| Loan loss allowance to noncurrent loans | 76.0074% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.1607% | 1,291 |
| Noncurrent loans to loans | 1.4592% | 2,232 |
| Net loans and leases to total assets | 67.3487% | 2,637 |
| Net loans and leases to deposits | 76.4008% | 3,137 |
| Net loans and leases to core deposits | 80.1312% | 3,298 |
| Total domestic deposits to total assets | 88.1518% | 1,684 |
| Equity capital to assets | 9.5397% | 4,742 |
| Core capital (leverage) ratio | 9.2877% | 4,654 |
| Tier 1 risk-based capital ratio | 12.1722% | 5,388 |
| Total risk-based capital ratio | 13.1692% | 5,463 |
| Memoranda: | ||
| Average total assets | $158,435,500 | 3,536 |
| Average earning assets | $142,824,250 | 3,594 |
| Average equity | $15,069,500 | 3,844 |
| Average total loans | $103,724,500 | 3,379 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 4,702 |
| Cost of funding earning assets | 0.3723% | 4,180 |
| Net interest margin | 3.3762% | 4,280 |
| Noninterest income to average assets | 0.9024% | 1,489 |
| Noninterest expense to average assets | 2.8000% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6987% | 3,847 |
| Return on assets (ROA) | 0.6987% | 3,934 |
| Pretax return on assets | 1.1493% | 2,885 |
| Return on Equity (ROE) | 7.3537% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.3537% | 1,585 |
| Net charge-offs to loans | 0.0315% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 56.4375% | 842 |
| Efficiency ratio | 70.8991% | 3,513 |
| Assets per employee ($millions) | 5.3277% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 4,598 |
| Loan loss allowance to noncurrent loans | 80.1054% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.1811% | 1,405 |
| Noncurrent loans to loans | 1.4525% | 2,376 |
| Net loans and leases to total assets | 64.6255% | 2,979 |
| Net loans and leases to deposits | 72.7156% | 3,479 |
| Net loans and leases to core deposits | 76.9863% | 3,539 |
| Total domestic deposits to total assets | 88.8744% | 1,431 |
| Equity capital to assets | 9.5958% | 4,632 |
| Core capital (leverage) ratio | 9.2931% | 4,600 |
| Tier 1 risk-based capital ratio | 12.3907% | 5,306 |
| Total risk-based capital ratio | 13.4114% | 5,359 |
| Memoranda: | ||
| Average total assets | $157,143,330 | 3,579 |
| Average earning assets | $141,815,670 | 3,622 |
| Average equity | $14,931,330 | 3,867 |
| Average total loans | $101,452,330 | 3,427 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 4,670 |
| Cost of funding earning assets | 0.3692% | 4,324 |
| Net interest margin | 3.3801% | 4,221 |
| Noninterest income to average assets | 0.7651% | 1,887 |
| Noninterest expense to average assets | 3.3504% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2721% | 5,588 |
| Return on assets (ROA) | 0.2721% | 5,636 |
| Pretax return on assets | 0.4467% | 5,318 |
| Return on Equity (ROE) | 2.8788% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.8788% | 4,369 |
| Net charge-offs to loans | 0.2642% | 1,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.6364% | 2,830 |
| Efficiency ratio | 88.2353% | 1,204 |
| Assets per employee ($millions) | 4.6596% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 4,824 |
| Loan loss allowance to noncurrent loans | 94.1082% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.0382% | 1,666 |
| Noncurrent loans to loans | 1.2325% | 2,983 |
| Net loans and leases to total assets | 62.7157% | 3,118 |
| Net loans and leases to deposits | 70.2281% | 3,572 |
| Net loans and leases to core deposits | 75.2097% | 3,505 |
| Total domestic deposits to total assets | 89.3029% | 1,469 |
| Equity capital to assets | 9.3482% | 4,704 |
| Core capital (leverage) ratio | 9.1353% | 4,815 |
| Tier 1 risk-based capital ratio | 12.3994% | 5,366 |
| Total risk-based capital ratio | 13.4099% | 5,460 |
| Memoranda: | ||
| Average total assets | $155,800,000 | 3,627 |
| Average earning assets | $139,758,500 | 3,670 |
| Average equity | $14,728,500 | 3,910 |
| Average total loans | $99,925,000 | 3,475 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,105 |
| Cost of funding earning assets | 0.4326% | 4,293 |
| Net interest margin | 3.8284% | 2,540 |
| Noninterest income to average assets | 1.8476% | 444 |
| Noninterest expense to average assets | 3.6847% | 1,309 |
| Loan and lease loss provision to assets | 0.1901% | 1,939 |
| Net operating income to assets | 0.8842% | 2,859 |
| Return on assets (ROA) | 0.8842% | 2,946 |
| Pretax return on assets | 1.4593% | 1,586 |
| Return on Equity (ROE) | 8.6544% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.5459% | 1,213 |
| Net charge-offs to loans | 0.3001% | 2,188 |
| Credit loss provision to net charge-offs | 86.3971% | 2,859 |
| Earnings coverage of net charge-offs (x) | 7.4963% | 2,834 |
| Efficiency ratio | 69.0779% | 3,997 |
| Assets per employee ($millions) | 4.9411% | 2,250 |
| Cash dividends to net income (ytd only)* | 12.8088% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 4,437 |
| Loan loss allowance to noncurrent loans | 99.2748% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 2.0441% | 1,757 |
| Noncurrent loans to loans | 1.2494% | 3,041 |
| Net loans and leases to total assets | 64.0409% | 3,041 |
| Net loans and leases to deposits | 72.0501% | 3,514 |
| Net loans and leases to core deposits | 76.7697% | 3,522 |
| Total domestic deposits to total assets | 88.8839% | 1,708 |
| Equity capital to assets | 9.5623% | 4,332 |
| Core capital (leverage) ratio | 10.2043% | 3,289 |
| Tier 1 risk-based capital ratio | 13.4712% | 4,671 |
| Total risk-based capital ratio | 14.6130% | 4,684 |
| Memoranda: | ||
| Average total assets | $123,619,800 | 4,192 |
| Average earning assets | $112,579,800 | 4,212 |
| Average equity | $12,629,400 | 4,328 |
| Average total loans | $90,628,800 | 3,676 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 2,505 |
| Cost of funding earning assets | 0.4530% | 4,246 |
| Net interest margin | 3.9730% | 2,033 |
| Noninterest income to average assets | 1.4970% | 654 |
| Noninterest expense to average assets | 3.5732% | 1,448 |
| Loan and lease loss provision to assets | 0.0402% | 4,206 |
| Net operating income to assets | 0.9154% | 2,754 |
| Return on assets (ROA) | 0.9154% | 2,857 |
| Pretax return on assets | 1.5153% | 1,562 |
| Return on Equity (ROE) | 8.7750% | 2,754 |
| Retained earnings to average equity (ytd only) | 8.7750% | 1,128 |
| Net charge-offs to loans | 0.3587% | 1,764 |
| Credit loss provision to net charge-offs | 14.7059% | 4,152 |
| Earnings coverage of net charge-offs (x) | 5.6974% | 3,124 |
| Efficiency ratio | 69.6712% | 3,808 |
| Assets per employee ($millions) | 4.4875% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 5,257 |
| Loan loss allowance to noncurrent loans | 94.9243% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 2.4966% | 1,541 |
| Noncurrent loans to loans | 1.1792% | 3,464 |
| Net loans and leases to total assets | 74.9449% | 1,139 |
| Net loans and leases to deposits | 88.4266% | 1,321 |
| Net loans and leases to core deposits | 95.9674% | 1,397 |
| Total domestic deposits to total assets | 84.7538% | 3,859 |
| Equity capital to assets | 11.5709% | 2,246 |
| Core capital (leverage) ratio | 11.4646% | 2,069 |
| Tier 1 risk-based capital ratio | 14.9445% | 3,787 |
| Total risk-based capital ratio | 16.0524% | 3,830 |
| Memoranda: | ||
| Average total assets | $116,231,250 | 4,404 |
| Average earning assets | $106,249,250 | 4,399 |
| Average equity | $12,125,000 | 4,474 |
| Average total loans | $88,454,500 | 3,748 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 2,340 |
| Cost of funding earning assets | 0.4617% | 4,291 |
| Net interest margin | 4.0016% | 1,849 |
| Noninterest income to average assets | 1.6783% | 582 |
| Noninterest expense to average assets | 3.6908% | 1,260 |
| Loan and lease loss provision to assets | 0.0177% | 4,545 |
| Net operating income to assets | 0.9744% | 2,447 |
| Return on assets (ROA) | 0.9744% | 2,590 |
| Pretax return on assets | 1.6022% | 1,373 |
| Return on Equity (ROE) | 9.7347% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.7347% | 904 |
| Net charge-offs to loans | -0.0719% | 6,391 |
| Credit loss provision to net charge-offs | -32.2581% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4972% | 3,924 |
| Assets per employee ($millions) | 4.3392% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 3,744 |
| Loan loss allowance to noncurrent loans | 71.6630% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 3.0577% | 1,327 |
| Noncurrent loans to loans | 2.0442% | 2,347 |
| Net loans and leases to total assets | 72.5244% | 1,477 |
| Net loans and leases to deposits | 84.5301% | 1,729 |
| Net loans and leases to core deposits | 90.4876% | 1,865 |
| Total domestic deposits to total assets | 85.7972% | 3,480 |
| Equity capital to assets | 11.8085% | 2,039 |
| Core capital (leverage) ratio | 12.1696% | 1,524 |
| Tier 1 risk-based capital ratio | 15.5170% | 3,472 |
| Total risk-based capital ratio | 16.7695% | 3,423 |
| Memoranda: | ||
| Average total assets | $113,091,330 | 4,506 |
| Average earning assets | $102,658,670 | 4,501 |
| Average equity | $11,320,330 | 4,659 |
| Average total loans | $86,194,330 | 3,815 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 1,897 |
| Cost of funding earning assets | 0.4531% | 4,558 |
| Net interest margin | 4.1260% | 1,388 |
| Noninterest income to average assets | 1.6641% | 561 |
| Noninterest expense to average assets | 3.8351% | 1,070 |
| Loan and lease loss provision to assets | 0.0367% | 3,980 |
| Net operating income to assets | 0.9551% | 2,423 |
| Return on assets (ROA) | 0.9551% | 2,559 |
| Pretax return on assets | 1.5723% | 1,372 |
| Return on Equity (ROE) | 10.6047% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.6047% | 963 |
| Net charge-offs to loans | -0.1040% | 6,463 |
| Credit loss provision to net charge-offs | -45.4545% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4453% | 3,899 |
| Assets per employee ($millions) | 4.1309% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 3,648 |
| Loan loss allowance to noncurrent loans | 80.9583% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 3.1336% | 1,406 |
| Noncurrent loans to loans | 1.9065% | 2,727 |
| Net loans and leases to total assets | 74.4094% | 1,024 |
| Net loans and leases to deposits | 83.9641% | 1,602 |
| Net loans and leases to core deposits | 90.8216% | 1,626 |
| Total domestic deposits to total assets | 88.6204% | 1,915 |
| Equity capital to assets | 8.9014% | 5,611 |
| Core capital (leverage) ratio | 8.9294% | 5,007 |
| Tier 1 risk-based capital ratio | 11.5326% | 6,172 |
| Total risk-based capital ratio | 12.7858% | 6,135 |
| Memoranda: | ||
| Average total assets | $108,888,500 | 4,636 |
| Average earning assets | $99,758,000 | 4,631 |
| Average equity | $9,807,000 | 5,035 |
| Average total loans | $84,579,000 | 3,882 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 1,687 |
| Cost of funding earning assets | 0.5036% | 5,197 |
| Net interest margin | 4.4468% | 1,057 |
| Noninterest income to average assets | 1.8237% | 500 |
| Noninterest expense to average assets | 3.5152% | 1,780 |
| Loan and lease loss provision to assets | 0.4910% | 1,226 |
| Net operating income to assets | 1.1724% | 1,687 |
| Return on assets (ROA) | 1.1814% | 1,819 |
| Pretax return on assets | 1.9550% | 663 |
| Return on Equity (ROE) | 12.7708% | 1,288 |
| Retained earnings to average equity (ytd only) | 7.1924% | 1,477 |
| Net charge-offs to loans | 0.5310% | 2,135 |
| Credit loss provision to net charge-offs | 112.3853% | 2,594 |
| Earnings coverage of net charge-offs (x) | 5.5665% | 3,005 |
| Efficiency ratio | 59.1070% | 5,686 |
| Assets per employee ($millions) | 3.9350% | 4,069 |
| Cash dividends to net income (ytd only)* | 43.6811% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,762 |
| Loan loss allowance to noncurrent loans | 67.8973% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 3.5362% | 1,276 |
| Noncurrent loans to loans | 2.2023% | 2,462 |
| Net loans and leases to total assets | 78.6840% | 600 |
| Net loans and leases to deposits | 89.0457% | 1,159 |
| Net loans and leases to core deposits | 96.7289% | 1,247 |
| Total domestic deposits to total assets | 88.3636% | 1,987 |
| Equity capital to assets | 9.1168% | 5,382 |
| Core capital (leverage) ratio | 9.2480% | 4,502 |
| Tier 1 risk-based capital ratio | 11.2168% | 6,267 |
| Total risk-based capital ratio | 12.4699% | 6,227 |
| Memoranda: | ||
| Average total assets | $99,796,200 | 4,839 |
| Average earning assets | $92,538,800 | 4,794 |
| Average equity | $9,232,000 | 5,162 |
| Average total loans | $82,102,200 | 3,967 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 1,865 |
| Cost of funding earning assets | 0.5220% | 5,294 |
| Net interest margin | 4.4175% | 1,167 |
| Noninterest income to average assets | 1.6010% | 579 |
| Noninterest expense to average assets | 3.3800% | 2,058 |
| Loan and lease loss provision to assets | 0.3191% | 2,069 |
| Net operating income to assets | 1.2589% | 1,547 |
| Return on assets (ROA) | 1.2710% | 1,664 |
| Pretax return on assets | 2.0464% | 634 |
| Return on Equity (ROE) | 13.6861% | 1,177 |
| Retained earnings to average equity (ytd only) | 6.1558% | 2,597 |
| Net charge-offs to loans | 0.4536% | 2,290 |
| Credit loss provision to net charge-offs | 84.8375% | 3,468 |
| Earnings coverage of net charge-offs (x) | 6.2383% | 2,828 |
| Efficiency ratio | 59.0230% | 5,656 |
| Assets per employee ($millions) | 4.5080% | 2,902 |
| Cash dividends to net income (ytd only)* | 55.0214% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 4,423 |
| Loan loss allowance to noncurrent loans | 43.6384% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 3.1681% | 1,630 |
| Noncurrent loans to loans | 3.1839% | 1,733 |
| Net loans and leases to total assets | 83.9418% | 232 |
| Net loans and leases to deposits | 101.0217% | 396 |
| Net loans and leases to core deposits | 109.9459% | 573 |
| Total domestic deposits to total assets | 83.0929% | 4,607 |
| Equity capital to assets | 9.5546% | 5,137 |
| Core capital (leverage) ratio | 9.2765% | 4,626 |
| Tier 1 risk-based capital ratio | 11.3017% | 6,358 |
| Total risk-based capital ratio | 12.5542% | 6,317 |
| Memoranda: | ||
| Average total assets | $98,184,250 | 4,925 |
| Average earning assets | $91,693,250 | 4,861 |
| Average equity | $9,118,500 | 5,238 |
| Average total loans | $81,411,250 | 4,038 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 2,122 |
| Cost of funding earning assets | 0.5412% | 5,365 |
| Net interest margin | 4.3558% | 1,324 |
| Noninterest income to average assets | 1.3633% | 772 |
| Noninterest expense to average assets | 3.2927% | 2,328 |
| Loan and lease loss provision to assets | 0.2657% | 2,456 |
| Net operating income to assets | 1.1344% | 1,932 |
| Return on assets (ROA) | 1.1344% | 2,151 |
| Pretax return on assets | 1.8681% | 905 |
| Return on Equity (ROE) | 12.3343% | 1,563 |
| Retained earnings to average equity (ytd only) | 0.8890% | 5,717 |
| Net charge-offs to loans | 0.6218% | 1,767 |
| Credit loss provision to net charge-offs | 52.0000% | 3,994 |
| Earnings coverage of net charge-offs (x) | 4.1760% | 3,155 |
| Efficiency ratio | 60.6780% | 5,471 |
| Assets per employee ($millions) | 4.4280% | 3,041 |
| Cash dividends to net income (ytd only)* | 92.7928% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 4,622 |
| Loan loss allowance to noncurrent loans | 39.8037% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 3.4091% | 1,574 |
| Noncurrent loans to loans | 3.4148% | 1,696 |
| Net loans and leases to total assets | 81.5749% | 364 |
| Net loans and leases to deposits | 91.2386% | 1,024 |
| Net loans and leases to core deposits | 101.5579% | 1,002 |
| Total domestic deposits to total assets | 89.4083% | 1,270 |
| Equity capital to assets | 9.3547% | 5,255 |
| Core capital (leverage) ratio | 9.0623% | 4,819 |
| Tier 1 risk-based capital ratio | 11.3653% | 6,300 |
| Total risk-based capital ratio | 12.6176% | 6,277 |
| Memoranda: | ||
| Average total assets | $97,853,330 | 4,957 |
| Average earning assets | $91,281,330 | 4,889 |
| Average equity | $8,999,330 | 5,270 |
| Average total loans | $80,407,000 | 4,092 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 2,252 |
| Cost of funding earning assets | 0.5621% | 5,414 |
| Net interest margin | 4.3353% | 1,365 |
| Noninterest income to average assets | 1.2970% | 851 |
| Noninterest expense to average assets | 3.4138% | 1,975 |
| Loan and lease loss provision to assets | 0.1835% | 3,140 |
| Net operating income to assets | 1.0686% | 2,211 |
| Return on assets (ROA) | 1.0686% | 2,403 |
| Pretax return on assets | 1.7579% | 1,178 |
| Return on Equity (ROE) | 11.7193% | 1,760 |
| Retained earnings to average equity (ytd only) | -11.3167% | 6,879 |
| Net charge-offs to loans | 0.7419% | 1,376 |
| Credit loss provision to net charge-offs | 30.2013% | 3,621 |
| Earnings coverage of net charge-offs (x) | 3.1946% | 2,926 |
| Efficiency ratio | 63.7471% | 4,971 |
| Assets per employee ($millions) | 4.4702% | 3,050 |
| Cash dividends to net income (ytd only)* | 196.5649% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 4,555 |
| Loan loss allowance to noncurrent loans | 49.1375% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.8990% | 2,001 |
| Noncurrent loans to loans | 2.8755% | 2,248 |
| Net loans and leases to total assets | 78.8245% | 509 |
| Net loans and leases to deposits | 87.6200% | 1,219 |
| Net loans and leases to core deposits | 99.8634% | 997 |
| Total domestic deposits to total assets | 89.9619% | 1,107 |
| Equity capital to assets | 8.9694% | 5,543 |
| Core capital (leverage) ratio | 8.7510% | 5,198 |
| Tier 1 risk-based capital ratio | 11.0333% | 6,520 |
| Total risk-based capital ratio | 12.2853% | 6,501 |
| Memoranda: | ||
| Average total assets | $98,072,000 | 4,981 |
| Average earning assets | $91,803,500 | 4,915 |
| Average equity | $8,942,500 | 5,299 |
| Average total loans | $80,329,500 | 4,115 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 2,345 |
| Cost of funding earning assets | 0.7507% | 5,206 |
| Net interest margin | 4.3763% | 1,459 |
| Noninterest income to average assets | 1.2931% | 770 |
| Noninterest expense to average assets | 3.5253% | 1,924 |
| Loan and lease loss provision to assets | 0.4173% | 2,503 |
| Net operating income to assets | 0.8687% | 2,741 |
| Return on assets (ROA) | 0.9614% | 2,485 |
| Pretax return on assets | 1.5846% | 1,241 |
| Return on Equity (ROE) | 10.6318% | 1,828 |
| Retained earnings to average equity (ytd only) | 9.3700% | 707 |
| Net charge-offs to loans | 0.4224% | 3,313 |
| Credit loss provision to net charge-offs | 124.6057% | 2,520 |
| Earnings coverage of net charge-offs (x) | 5.5457% | 2,757 |
| Efficiency ratio | 65.4956% | 4,869 |
| Assets per employee ($millions) | 4.4454% | 2,996 |
| Cash dividends to net income (ytd only)* | 11.8681% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 4,106 |
| Loan loss allowance to noncurrent loans | 98.2215% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.7352% | 3,348 |
| Noncurrent loans to loans | 1.5080% | 3,887 |
| Net loans and leases to total assets | 82.6317% | 297 |
| Net loans and leases to deposits | 92.6128% | 912 |
| Net loans and leases to core deposits | 105.7471% | 803 |
| Total domestic deposits to total assets | 89.2228% | 1,407 |
| Equity capital to assets | 9.2680% | 5,187 |
| Core capital (leverage) ratio | 9.0245% | 4,736 |
| Tier 1 risk-based capital ratio | 11.0068% | 6,453 |
| Total risk-based capital ratio | 12.2597% | 6,437 |
| Memoranda: | ||
| Average total assets | $94,658,200 | 5,060 |
| Average earning assets | $88,454,200 | 4,981 |
| Average equity | $8,559,200 | 5,387 |
| Average total loans | $75,056,000 | 4,312 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 2,615 |
| Cost of funding earning assets | 0.7916% | 5,199 |
| Net interest margin | 4.3061% | 1,690 |
| Noninterest income to average assets | 1.0539% | 1,208 |
| Noninterest expense to average assets | 3.6133% | 1,682 |
| Loan and lease loss provision to assets | 0.5184% | 1,910 |
| Net operating income to assets | 0.5681% | 4,231 |
| Return on assets (ROA) | 0.6917% | 3,832 |
| Pretax return on assets | 1.1405% | 2,856 |
| Return on Equity (ROE) | 7.6998% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.9922% | 2,561 |
| Net charge-offs to loans | 0.5583% | 2,563 |
| Credit loss provision to net charge-offs | 118.8925% | 2,743 |
| Earnings coverage of net charge-offs (x) | 3.3616% | 3,469 |
| Efficiency ratio | 71.1409% | 3,709 |
| Assets per employee ($millions) | 4.3914% | 3,089 |
| Cash dividends to net income (ytd only)* | 22.1770% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 4,056 |
| Loan loss allowance to noncurrent loans | 86.4064% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.2182% | 2,869 |
| Noncurrent loans to loans | 1.7454% | 3,707 |
| Net loans and leases to total assets | 80.7815% | 439 |
| Net loans and leases to deposits | 89.9579% | 1,217 |
| Net loans and leases to core deposits | 102.9469% | 1,041 |
| Total domestic deposits to total assets | 89.7992% | 980 |
| Equity capital to assets | 8.9618% | 5,797 |
| Core capital (leverage) ratio | 8.5274% | 5,674 |
| Tier 1 risk-based capital ratio | 10.7721% | 6,680 |
| Total risk-based capital ratio | 12.0259% | 6,657 |
| Memoranda: | ||
| Average total assets | $93,873,000 | 5,107 |
| Average earning assets | $87,748,500 | 5,040 |
| Average equity | $8,433,000 | 5,457 |
| Average total loans | $73,313,000 | 4,406 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 2,891 |
| Cost of funding earning assets | 0.8244% | 5,218 |
| Net interest margin | 4.2323% | 1,907 |
| Noninterest income to average assets | 0.8972% | 1,657 |
| Noninterest expense to average assets | 3.7973% | 1,349 |
| Loan and lease loss provision to assets | 0.7315% | 1,276 |
| Net operating income to assets | 0.1871% | 5,783 |
| Return on assets (ROA) | 0.3399% | 5,348 |
| Pretax return on assets | 0.5615% | 4,875 |
| Return on Equity (ROE) | 3.7808% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.7808% | 3,810 |
| Net charge-offs to loans | -0.3028% | 7,348 |
| Credit loss provision to net charge-offs | -314.8148% | 6,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2705% | 2,668 |
| Assets per employee ($millions) | 3.8676% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1353% | 2,044 |
| Loan loss allowance to noncurrent loans | 98.6310% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 3,043 |
| Noncurrent loans to loans | 2.1649% | 3,266 |
| Net loans and leases to total assets | 75.1319% | 1,219 |
| Net loans and leases to deposits | 84.8815% | 1,967 |
| Net loans and leases to core deposits | 98.4496% | 1,471 |
| Total domestic deposits to total assets | 88.5138% | 1,844 |
| Equity capital to assets | 8.7372% | 5,889 |
| Core capital (leverage) ratio | 8.4460% | 5,636 |
| Tier 1 risk-based capital ratio | 10.8832% | 6,610 |
| Total risk-based capital ratio | 12.1438% | 6,572 |
| Memoranda: | ||
| Average total assets | $92,960,670 | 5,172 |
| Average earning assets | $86,855,330 | 5,098 |
| Average equity | $8,358,000 | 5,498 |
| Average total loans | $71,338,000 | 4,524 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 3,116 |
| Cost of funding earning assets | 0.8211% | 5,455 |
| Net interest margin | 4.1762% | 1,978 |
| Noninterest income to average assets | 0.9133% | 1,612 |
| Noninterest expense to average assets | 3.8509% | 1,243 |
| Loan and lease loss provision to assets | 0.4171% | 2,106 |
| Net operating income to assets | 0.3072% | 5,374 |
| Return on assets (ROA) | 0.6191% | 3,998 |
| Pretax return on assets | 1.0187% | 3,066 |
| Return on Equity (ROE) | 6.7846% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.7846% | 2,242 |
| Net charge-offs to loans | -0.5895% | 7,430 |
| Credit loss provision to net charge-offs | -92.2330% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2379% | 2,485 |
| Assets per employee ($millions) | 3.8711% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 2,883 |
| Loan loss allowance to noncurrent loans | 50.3774% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 3.3700% | 2,024 |
| Noncurrent loans to loans | 3.6552% | 2,029 |
| Net loans and leases to total assets | 76.5981% | 946 |
| Net loans and leases to deposits | 85.2541% | 1,842 |
| Net loans and leases to core deposits | 94.6091% | 1,816 |
| Total domestic deposits to total assets | 89.8468% | 1,245 |
| Equity capital to assets | 8.9810% | 5,227 |
| Core capital (leverage) ratio | 8.8725% | 4,817 |
| Tier 1 risk-based capital ratio | 11.0236% | 6,496 |
| Total risk-based capital ratio | 12.2801% | 6,471 |
| Memoranda: | ||
| Average total assets | $91,096,000 | 5,261 |
| Average earning assets | $84,766,500 | 5,197 |
| Average equity | $8,313,000 | 5,513 |
| Average total loans | $69,892,000 | 4,626 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 3,219 |
| Cost of funding earning assets | 1.1000% | 5,134 |
| Net interest margin | 4.1803% | 2,262 |
| Noninterest income to average assets | 1.6312% | 551 |
| Noninterest expense to average assets | 4.1221% | 1,002 |
| Loan and lease loss provision to assets | 0.1607% | 5,604 |
| Net operating income to assets | 0.7429% | 3,032 |
| Return on assets (ROA) | 0.8862% | 2,577 |
| Pretax return on assets | 1.4590% | 1,485 |
| Return on Equity (ROE) | 9.6929% | 2,037 |
| Retained earnings to average equity (ytd only) | 7.9979% | 978 |
| Net charge-offs to loans | 1.4237% | 1,561 |
| Credit loss provision to net charge-offs | 15.6250% | 6,589 |
| Earnings coverage of net charge-offs (x) | 1.3571% | 4,751 |
| Efficiency ratio | 74.7036% | 3,255 |
| Assets per employee ($millions) | 3.5714% | 4,773 |
| Cash dividends to net income (ytd only)* | 17.4870% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 3,251 |
| Loan loss allowance to noncurrent loans | 53.7081% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.9199% | 2,400 |
| Noncurrent loans to loans | 3.1464% | 2,421 |
| Net loans and leases to total assets | 74.0852% | 1,646 |
| Net loans and leases to deposits | 82.5898% | 2,699 |
| Net loans and leases to core deposits | 87.6653% | 3,097 |
| Total domestic deposits to total assets | 89.7026% | 1,266 |
| Equity capital to assets | 9.2759% | 4,713 |
| Core capital (leverage) ratio | 9.1357% | 4,293 |
| Tier 1 risk-based capital ratio | 11.5184% | 5,896 |
| Total risk-based capital ratio | 12.7735% | 5,894 |
| Memoranda: | ||
| Average total assets | $87,115,000 | 5,375 |
| Average earning assets | $80,999,400 | 5,306 |
| Average equity | $7,964,600 | 5,723 |
| Average total loans | $62,932,600 | 4,954 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 3,360 |
| Cost of funding earning assets | 1.1644% | 5,062 |
| Net interest margin | 4.1350% | 2,463 |
| Noninterest income to average assets | 1.4862% | 615 |
| Noninterest expense to average assets | 3.9426% | 1,133 |
| Loan and lease loss provision to assets | 0.1694% | 5,346 |
| Net operating income to assets | 0.7380% | 3,244 |
| Return on assets (ROA) | 0.9302% | 2,624 |
| Pretax return on assets | 1.5247% | 1,546 |
| Return on Equity (ROE) | 10.2129% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.2129% | 749 |
| Net charge-offs to loans | 1.6730% | 1,178 |
| Credit loss provision to net charge-offs | 14.1753% | 6,301 |
| Earnings coverage of net charge-offs (x) | 1.1662% | 4,897 |
| Efficiency ratio | 73.8817% | 3,345 |
| Assets per employee ($millions) | 3.3947% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 2,489 |
| Loan loss allowance to noncurrent loans | 53.7451% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 3.2674% | 2,185 |
| Noncurrent loans to loans | 3.5310% | 2,229 |
| Net loans and leases to total assets | 74.7384% | 1,632 |
| Net loans and leases to deposits | 85.2128% | 2,486 |
| Net loans and leases to core deposits | 91.0564% | 2,944 |
| Total domestic deposits to total assets | 87.7080% | 2,156 |
| Equity capital to assets | 9.7858% | 4,431 |
| Core capital (leverage) ratio | 9.1526% | 4,456 |
| Tier 1 risk-based capital ratio | 11.7488% | 5,687 |
| Total risk-based capital ratio | 13.0062% | 5,653 |
| Memoranda: | ||
| Average total assets | $86,572,500 | 5,457 |
| Average earning assets | $80,610,250 | 5,382 |
| Average equity | $7,885,250 | 5,826 |
| Average total loans | $61,844,750 | 5,070 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2434% | 3,746 |
| Cost of funding earning assets | 1.2193% | 5,024 |
| Net interest margin | 4.0241% | 2,906 |
| Noninterest income to average assets | 1.1063% | 1,078 |
| Noninterest expense to average assets | 3.7847% | 1,385 |
| Loan and lease loss provision to assets | 0.1951% | 4,928 |
| Net operating income to assets | 0.5291% | 4,201 |
| Return on assets (ROA) | 0.6862% | 3,611 |
| Pretax return on assets | 1.1292% | 2,675 |
| Return on Equity (ROE) | 7.7208% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.7208% | 1,540 |
| Net charge-offs to loans | 0.5484% | 2,885 |
| Credit loss provision to net charge-offs | 50.8982% | 5,396 |
| Earnings coverage of net charge-offs (x) | 2.8144% | 3,581 |
| Efficiency ratio | 77.8197% | 2,754 |
| Assets per employee ($millions) | 3.5118% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9291% | 884 |
| Loan loss allowance to noncurrent loans | 48.8272% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 4.4007% | 1,513 |
| Noncurrent loans to loans | 5.9989% | 1,068 |
| Net loans and leases to total assets | 71.2097% | 2,614 |
| Net loans and leases to deposits | 79.4149% | 3,710 |
| Net loans and leases to core deposits | 84.5143% | 4,066 |
| Total domestic deposits to total assets | 89.6680% | 1,091 |
| Equity capital to assets | 9.4279% | 4,821 |
| Core capital (leverage) ratio | 8.6497% | 5,157 |
| Tier 1 risk-based capital ratio | 11.7806% | 5,514 |
| Total risk-based capital ratio | 13.0500% | 5,459 |
| Memoranda: | ||
| Average total assets | $87,140,670 | 5,477 |
| Average earning assets | $81,360,000 | 5,393 |
| Average equity | $7,745,330 | 5,888 |
| Average total loans | $60,907,670 | 5,140 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2623% | 3,720 |
| Cost of funding earning assets | 1.2962% | 4,839 |
| Net interest margin | 3.9661% | 3,019 |
| Noninterest income to average assets | 0.9981% | 1,316 |
| Noninterest expense to average assets | 3.6626% | 1,593 |
| Loan and lease loss provision to assets | 0.0903% | 5,731 |
| Net operating income to assets | 0.5606% | 4,075 |
| Return on assets (ROA) | 0.6819% | 3,635 |
| Pretax return on assets | 1.1381% | 2,592 |
| Return on Equity (ROE) | 7.9006% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.9006% | 1,750 |
| Net charge-offs to loans | 1.4029% | 1,229 |
| Credit loss provision to net charge-offs | 9.4340% | 5,051 |
| Earnings coverage of net charge-offs (x) | 1.0849% | 4,116 |
| Efficiency ratio | 77.9059% | 2,915 |
| Assets per employee ($millions) | 4.0024% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8255% | 958 |
| Loan loss allowance to noncurrent loans | 53.7101% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 3.5967% | 1,951 |
| Noncurrent loans to loans | 5.2607% | 1,351 |
| Net loans and leases to total assets | 66.4380% | 3,765 |
| Net loans and leases to deposits | 73.2147% | 4,868 |
| Net loans and leases to core deposits | 80.2877% | 4,729 |
| Total domestic deposits to total assets | 90.7441% | 638 |
| Equity capital to assets | 8.7869% | 5,575 |
| Core capital (leverage) ratio | 8.2925% | 5,757 |
| Tier 1 risk-based capital ratio | 11.3984% | 5,768 |
| Total risk-based capital ratio | 12.6659% | 5,724 |
| Memoranda: | ||
| Average total assets | $88,570,000 | 5,493 |
| Average earning assets | $82,701,000 | 5,409 |
| Average equity | $7,645,000 | 5,961 |
| Average total loans | $60,447,500 | 5,229 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1965% | 5,668 |
| Cost of funding earning assets | 1.7870% | 4,060 |
| Net interest margin | 3.4096% | 5,330 |
| Noninterest income to average assets | 1.1289% | 1,210 |
| Noninterest expense to average assets | 3.4640% | 2,475 |
| Loan and lease loss provision to assets | 2.1468% | 980 |
| Net operating income to assets | -0.7856% | 6,426 |
| Return on assets (ROA) | -0.5639% | 6,234 |
| Pretax return on assets | -0.9271% | 6,364 |
| Return on Equity (ROE) | -6.7226% | 6,363 |
| Retained earnings to average equity (ytd only) | -8.1794% | 6,360 |
| Net charge-offs to loans | 2.0667% | 1,187 |
| Credit loss provision to net charge-offs | 155.6911% | 2,913 |
| Earnings coverage of net charge-offs (x) | 0.6333% | 5,462 |
| Efficiency ratio | 79.8656% | 2,910 |
| Assets per employee ($millions) | 4.0495% | 3,710 |
| Cash dividends to net income (ytd only)* | -21.6700% | 7,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1189% | 698 |
| Loan loss allowance to noncurrent loans | 52.6418% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 4.0365% | 1,635 |
| Noncurrent loans to loans | 5.9248% | 1,058 |
| Net loans and leases to total assets | 66.0033% | 4,147 |
| Net loans and leases to deposits | 72.6207% | 5,246 |
| Net loans and leases to core deposits | 83.8960% | 5,722 |
| Total domestic deposits to total assets | 90.8877% | 577 |
| Equity capital to assets | 8.4781% | 5,914 |
| Core capital (leverage) ratio | 7.8478% | 6,392 |
| Tier 1 risk-based capital ratio | 10.8807% | 6,029 |
| Total risk-based capital ratio | 12.1496% | 5,990 |
| Memoranda: | ||
| Average total assets | $89,204,000 | 5,418 |
| Average earning assets | $83,940,400 | 5,332 |
| Average equity | $7,482,200 | 6,098 |
| Average total loans | $59,514,600 | 5,270 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1300% | 6,170 |
| Cost of funding earning assets | 1.8314% | 4,227 |
| Net interest margin | 3.2987% | 5,646 |
| Noninterest income to average assets | 1.0758% | 1,369 |
| Noninterest expense to average assets | 3.3888% | 2,613 |
| Loan and lease loss provision to assets | 0.8905% | 2,160 |
| Net operating income to assets | -0.0670% | 5,839 |
| Return on assets (ROA) | 0.1778% | 5,298 |
| Pretax return on assets | 0.2929% | 5,082 |
| Return on Equity (ROE) | 2.1255% | 5,123 |
| Retained earnings to average equity (ytd only) | 0.1786% | 5,122 |
| Net charge-offs to loans | -0.1554% | 7,951 |
| Credit loss provision to net charge-offs | -863.7681% | 7,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8845% | 2,723 |
| Assets per employee ($millions) | 3.9111% | 3,909 |
| Cash dividends to net income (ytd only)* | 91.5984% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0696% | 634 |
| Loan loss allowance to noncurrent loans | 36.7111% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 5.6717% | 984 |
| Noncurrent loans to loans | 8.3615% | 558 |
| Net loans and leases to total assets | 65.7488% | 4,480 |
| Net loans and leases to deposits | 76.1207% | 5,016 |
| Net loans and leases to core deposits | 88.2300% | 5,620 |
| Total domestic deposits to total assets | 86.3744% | 2,496 |
| Equity capital to assets | 8.3074% | 6,496 |
| Core capital (leverage) ratio | 8.0922% | 6,194 |
| Tier 1 risk-based capital ratio | 10.6040% | 6,338 |
| Total risk-based capital ratio | 11.8723% | 6,302 |
| Memoranda: | ||
| Average total assets | $89,233,000 | 5,447 |
| Average earning assets | $84,234,250 | 5,366 |
| Average equity | $7,464,500 | 6,171 |
| Average total loans | $59,219,750 | 5,324 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 6,241 |
| Cost of funding earning assets | 1.9247% | 4,138 |
| Net interest margin | 3.2293% | 5,808 |
| Noninterest income to average assets | 1.1237% | 1,250 |
| Noninterest expense to average assets | 3.6093% | 2,044 |
| Loan and lease loss provision to assets | 0.4877% | 3,096 |
| Net operating income to assets | 0.0228% | 5,777 |
| Return on assets (ROA) | 0.3910% | 4,650 |
| Pretax return on assets | 0.6450% | 4,176 |
| Return on Equity (ROE) | 4.6638% | 4,228 |
| Retained earnings to average equity (ytd only) | 1.7422% | 4,374 |
| Net charge-offs to loans | -0.1228% | 7,979 |
| Credit loss provision to net charge-offs | -602.7778% | 7,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6235% | 2,164 |
| Assets per employee ($millions) | 3.2553% | 5,433 |
| Cash dividends to net income (ytd only)* | 62.6437% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5014% | 897 |
| Loan loss allowance to noncurrent loans | 39.3694% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 4.2221% | 1,365 |
| Noncurrent loans to loans | 6.3537% | 844 |
| Net loans and leases to total assets | 64.7894% | 4,814 |
| Net loans and leases to deposits | 73.7872% | 5,484 |
| Net loans and leases to core deposits | 84.6970% | 6,030 |
| Total domestic deposits to total assets | 87.8058% | 1,864 |
| Equity capital to assets | 8.4067% | 6,182 |
| Core capital (leverage) ratio | 7.9776% | 6,371 |
| Tier 1 risk-based capital ratio | 11.0163% | 5,856 |
| Total risk-based capital ratio | 12.2783% | 5,773 |
| Memoranda: | ||
| Average total assets | $88,992,000 | 5,497 |
| Average earning assets | $83,856,670 | 5,418 |
| Average equity | $7,461,670 | 6,197 |
| Average total loans | $58,620,330 | 5,397 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 6,784 |
| Cost of funding earning assets | 1.9591% | 4,331 |
| Net interest margin | 3.0927% | 6,225 |
| Noninterest income to average assets | 1.4787% | 643 |
| Noninterest expense to average assets | 3.1315% | 3,263 |
| Loan and lease loss provision to assets | 0.0268% | 6,589 |
| Net operating income to assets | 0.7505% | 3,349 |
| Return on assets (ROA) | 0.7505% | 3,524 |
| Pretax return on assets | 1.2330% | 2,506 |
| Return on Equity (ROE) | 8.9624% | 2,737 |
| Retained earnings to average equity (ytd only) | 3.1475% | 4,122 |
| Net charge-offs to loans | -0.0409% | 7,645 |
| Credit loss provision to net charge-offs | -100.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3123% | 4,309 |
| Assets per employee ($millions) | 3.3570% | 5,182 |
| Cash dividends to net income (ytd only)* | 64.8810% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 1,204 |
| Loan loss allowance to noncurrent loans | 32.5942% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 4.3238% | 1,135 |
| Noncurrent loans to loans | 6.4861% | 685 |
| Net loans and leases to total assets | 62.3226% | 5,267 |
| Net loans and leases to deposits | 69.8426% | 5,994 |
| Net loans and leases to core deposits | 83.4473% | 6,099 |
| Total domestic deposits to total assets | 89.2330% | 1,130 |
| Equity capital to assets | 8.4049% | 6,225 |
| Core capital (leverage) ratio | 8.2597% | 5,979 |
| Tier 1 risk-based capital ratio | 10.9488% | 5,945 |
| Total risk-based capital ratio | 12.2066% | 5,852 |
| Memoranda: | ||
| Average total assets | $89,541,000 | 5,505 |
| Average earning assets | $84,326,500 | 5,418 |
| Average equity | $7,498,000 | 6,217 |
| Average total loans | $58,727,000 | 5,416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8917% | 6,077 |
| Cost of funding earning assets | 2.4474% | 4,488 |
| Net interest margin | 3.4443% | 5,485 |
| Noninterest income to average assets | 0.8347% | 2,326 |
| Noninterest expense to average assets | 3.3772% | 2,744 |
| Loan and lease loss provision to assets | 1.3197% | 1,073 |
| Net operating income to assets | -0.3964% | 6,821 |
| Return on assets (ROA) | -0.3964% | 6,701 |
| Pretax return on assets | -0.6515% | 6,771 |
| Return on Equity (ROE) | -4.3776% | 6,793 |
| Retained earnings to average equity (ytd only) | -7.8294% | 6,871 |
| Net charge-offs to loans | 0.9578% | 1,290 |
| Credit loss provision to net charge-offs | 185.5219% | 2,669 |
| Earnings coverage of net charge-offs (x) | 0.9394% | 5,662 |
| Efficiency ratio | 83.4813% | 2,118 |
| Assets per employee ($millions) | 3.1587% | 5,598 |
| Cash dividends to net income (ytd only)* | -78.8520% | 8,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0219% | 1,183 |
| Loan loss allowance to noncurrent loans | 40.4013% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 3.5797% | 1,232 |
| Noncurrent loans to loans | 5.0045% | 880 |
| Net loans and leases to total assets | 66.1865% | 4,810 |
| Net loans and leases to deposits | 73.9060% | 5,855 |
| Net loans and leases to core deposits | 86.3647% | 6,109 |
| Total domestic deposits to total assets | 89.5550% | 829 |
| Equity capital to assets | 8.3420% | 6,355 |
| Core capital (leverage) ratio | 8.2983% | 5,954 |
| Tier 1 risk-based capital ratio | 11.2186% | 5,518 |
| Total risk-based capital ratio | 12.4767% | 5,396 |
| Memoranda: | ||
| Average total assets | $83,502,000 | 5,581 |
| Average earning assets | $77,838,400 | 5,513 |
| Average equity | $7,561,200 | 6,253 |
| Average total loans | $62,018,800 | 5,181 |