Home > Peoples Exchange Bank > Performance and Condition Ratios
Peoples Exchange 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 | 4.7297% | 984 |
| Cost of funding earning assets | 0.6446% | 1,076 |
| Net interest margin | 4.0850% | 1,403 |
| Noninterest income to average assets | 0.8904% | 1,403 |
| Noninterest expense to average assets | 3.3254% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8795% | 2,967 |
| Return on assets (ROA) | 0.8872% | 3,048 |
| Pretax return on assets | 1.1138% | 3,145 |
| Return on Equity (ROE) | 6.3570% | 3,868 |
| Retained earnings to average equity (ytd only) | -1.0061% | 5,438 |
| Net charge-offs to loans | -0.0097% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0720% | 2,214 |
| Assets per employee ($millions) | 3.9166% | 4,064 |
| Cash dividends to net income (ytd only)* | 115.8273% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 2,230 |
| Loan loss allowance to noncurrent loans | 5,463.6364% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,528 |
| Noncurrent loans to loans | 0.0259% | 5,365 |
| Net loans and leases to total assets | 66.8986% | 2,954 |
| Net loans and leases to deposits | 101.2389% | 613 |
| Net loans and leases to core deposits | 102.6041% | 1,430 |
| Total domestic deposits to total assets | 66.0799% | 5,885 |
| Equity capital to assets | 14.0748% | 1,000 |
| Core capital (leverage) ratio | 10.9785% | 2,453 |
| Tier 1 risk-based capital ratio | 12.5172% | 4,510 |
| Total risk-based capital ratio | 13.6517% | 4,506 |
| Memoranda: | ||
| Average total assets | $62,668,670 | 5,182 |
| Average earning assets | $54,295,670 | 5,265 |
| Average equity | $8,746,330 | 4,882 |
| Average total loans | $41,377,330 | 4,919 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 1,328 |
| Cost of funding earning assets | 0.6441% | 1,085 |
| Net interest margin | 3.9303% | 1,844 |
| Noninterest income to average assets | 0.7212% | 1,931 |
| Noninterest expense to average assets | 3.5168% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6127% | 4,119 |
| Return on assets (ROA) | 0.6127% | 4,241 |
| Pretax return on assets | 0.6319% | 4,723 |
| Return on Equity (ROE) | 4.4090% | 4,734 |
| Retained earnings to average equity (ytd only) | -9.1394% | 5,784 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7692% | 1,088 |
| Assets per employee ($millions) | 3.4341% | 4,909 |
| Cash dividends to net income (ytd only)* | 307.2917% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 1,978 |
| Loan loss allowance to noncurrent loans | 5,445.4545% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,576 |
| Noncurrent loans to loans | 0.0276% | 5,386 |
| Net loans and leases to total assets | 63.5886% | 3,298 |
| Net loans and leases to deposits | 89.5904% | 1,624 |
| Net loans and leases to core deposits | 90.7299% | 2,305 |
| Total domestic deposits to total assets | 70.9770% | 5,821 |
| Equity capital to assets | 13.9340% | 1,012 |
| Core capital (leverage) ratio | 10.6972% | 2,731 |
| Tier 1 risk-based capital ratio | 12.4761% | 4,593 |
| Total risk-based capital ratio | 13.6317% | 4,562 |
| Memoranda: | ||
| Average total assets | $62,670,500 | 5,229 |
| Average earning assets | $54,652,500 | 5,304 |
| Average equity | $8,709,500 | 4,919 |
| Average total loans | $40,804,500 | 4,985 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 905 |
| Cost of funding earning assets | 0.7025% | 816 |
| Net interest margin | 4.1103% | 1,389 |
| Noninterest income to average assets | 1.0913% | 986 |
| Noninterest expense to average assets | 3.2770% | 1,769 |
| Loan and lease loss provision to assets | 0.1473% | 1,598 |
| Net operating income to assets | 0.9161% | 2,780 |
| Return on assets (ROA) | 0.9161% | 2,866 |
| Pretax return on assets | 1.2587% | 2,438 |
| Return on Equity (ROE) | 6.4287% | 3,824 |
| Retained earnings to average equity (ytd only) | -8.0712% | 6,001 |
| Net charge-offs to loans | 0.1871% | 1,546 |
| Credit loss provision to net charge-offs | 117.2840% | 2,193 |
| Earnings coverage of net charge-offs (x) | 11.1975% | 2,608 |
| Efficiency ratio | 69.9768% | 3,231 |
| Assets per employee ($millions) | 3.5293% | 4,777 |
| Cash dividends to net income (ytd only)* | 225.5499% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 2,266 |
| Loan loss allowance to noncurrent loans | 4,991.6667% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 5,621 |
| Noncurrent loans to loans | 0.0288% | 5,396 |
| Net loans and leases to total assets | 64.7038% | 3,165 |
| Net loans and leases to deposits | 91.5805% | 1,442 |
| Net loans and leases to core deposits | 95.2607% | 1,917 |
| Total domestic deposits to total assets | 70.6523% | 5,866 |
| Equity capital to assets | 13.8616% | 980 |
| Core capital (leverage) ratio | 10.6703% | 2,744 |
| Tier 1 risk-based capital ratio | 12.8837% | 4,401 |
| Total risk-based capital ratio | 14.0430% | 4,351 |
| Memoranda: | ||
| Average total assets | $64,510,600 | 5,211 |
| Average earning assets | $56,370,400 | 5,281 |
| Average equity | $9,193,200 | 4,801 |
| Average total loans | $43,283,000 | 4,880 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 908 |
| Cost of funding earning assets | 0.7066% | 811 |
| Net interest margin | 4.1107% | 1,385 |
| Noninterest income to average assets | 1.1036% | 988 |
| Noninterest expense to average assets | 3.1729% | 2,039 |
| Loan and lease loss provision to assets | 0.1750% | 1,213 |
| Net operating income to assets | 0.9739% | 2,604 |
| Return on assets (ROA) | 0.9739% | 2,684 |
| Pretax return on assets | 1.3610% | 2,175 |
| Return on Equity (ROE) | 6.7885% | 3,733 |
| Retained earnings to average equity (ytd only) | -12.3427% | 6,158 |
| Net charge-offs to loans | 0.2503% | 1,046 |
| Credit loss provision to net charge-offs | 103.6585% | 2,198 |
| Earnings coverage of net charge-offs (x) | 9.0976% | 2,735 |
| Efficiency ratio | 67.3808% | 3,651 |
| Assets per employee ($millions) | 3.4622% | 4,869 |
| Cash dividends to net income (ytd only)* | 281.8188% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,722 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,720 |
| Noncurrent loans to loans | 0.0281% | 5,514 |
| Net loans and leases to total assets | 67.6958% | 2,736 |
| Net loans and leases to deposits | 100.0688% | 661 |
| Net loans and leases to core deposits | 104.3922% | 1,206 |
| Total domestic deposits to total assets | 67.6492% | 6,048 |
| Equity capital to assets | 13.9570% | 1,038 |
| Core capital (leverage) ratio | 10.6340% | 2,893 |
| Tier 1 risk-based capital ratio | 12.6832% | 4,625 |
| Total risk-based capital ratio | 13.8248% | 4,601 |
| Memoranda: | ||
| Average total assets | $64,756,250 | 5,273 |
| Average earning assets | $56,793,000 | 5,342 |
| Average equity | $9,290,000 | 4,851 |
| Average total loans | $43,677,750 | 4,923 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,072 |
| Cost of funding earning assets | 0.6945% | 867 |
| Net interest margin | 4.0019% | 1,631 |
| Noninterest income to average assets | 1.0279% | 1,124 |
| Noninterest expense to average assets | 3.1814% | 2,031 |
| Loan and lease loss provision to assets | 0.1678% | 1,244 |
| Net operating income to assets | 0.8724% | 3,032 |
| Return on assets (ROA) | 0.8724% | 3,139 |
| Pretax return on assets | 1.2293% | 2,655 |
| Return on Equity (ROE) | 6.0291% | 4,115 |
| Retained earnings to average equity (ytd only) | -0.4216% | 5,591 |
| Net charge-offs to loans | 0.1865% | 1,339 |
| Credit loss provision to net charge-offs | 134.1463% | 1,660 |
| Earnings coverage of net charge-offs (x) | 11.1707% | 2,318 |
| Efficiency ratio | 69.4870% | 3,420 |
| Assets per employee ($millions) | 3.7840% | 4,276 |
| Cash dividends to net income (ytd only)* | 106.9930% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,758 |
| Loan loss allowance to noncurrent loans | 129.0948% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 3,226 |
| Noncurrent loans to loans | 1.0850% | 2,482 |
| Net loans and leases to total assets | 65.5484% | 3,032 |
| Net loans and leases to deposits | 96.9333% | 881 |
| Net loans and leases to core deposits | 101.7593% | 1,348 |
| Total domestic deposits to total assets | 67.6222% | 6,123 |
| Equity capital to assets | 14.7852% | 748 |
| Core capital (leverage) ratio | 11.4513% | 2,034 |
| Tier 1 risk-based capital ratio | 13.8507% | 4,007 |
| Total risk-based capital ratio | 14.9766% | 4,021 |
| Memoranda: | ||
| Average total assets | $65,568,330 | 5,316 |
| Average earning assets | $58,172,670 | 5,365 |
| Average equity | $9,487,330 | 4,841 |
| Average total loans | $43,978,330 | 4,951 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 1,766 |
| Cost of funding earning assets | 0.6792% | 954 |
| Net interest margin | 3.7218% | 2,546 |
| Noninterest income to average assets | 0.8521% | 1,556 |
| Noninterest expense to average assets | 3.0881% | 2,304 |
| Loan and lease loss provision to assets | 0.1209% | 1,718 |
| Net operating income to assets | 0.6587% | 4,014 |
| Return on assets (ROA) | 0.6587% | 4,133 |
| Pretax return on assets | 0.9548% | 3,670 |
| Return on Equity (ROE) | 4.6013% | 4,713 |
| Retained earnings to average equity (ytd only) | -6.5854% | 6,019 |
| Net charge-offs to loans | 0.3678% | 666 |
| Credit loss provision to net charge-offs | 48.7805% | 2,115 |
| Earnings coverage of net charge-offs (x) | 4.3415% | 2,510 |
| Efficiency ratio | 74.1655% | 2,791 |
| Assets per employee ($millions) | 3.6654% | 4,584 |
| Cash dividends to net income (ytd only)* | 243.1193% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,242 |
| Loan loss allowance to noncurrent loans | 107.4286% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 3,122 |
| Noncurrent loans to loans | 1.2379% | 2,307 |
| Net loans and leases to total assets | 63.4236% | 3,175 |
| Net loans and leases to deposits | 92.4322% | 1,139 |
| Net loans and leases to core deposits | 96.8455% | 1,562 |
| Total domestic deposits to total assets | 68.6163% | 6,181 |
| Equity capital to assets | 14.2413% | 910 |
| Core capital (leverage) ratio | 11.2081% | 2,225 |
| Tier 1 risk-based capital ratio | 13.8491% | 4,119 |
| Total risk-based capital ratio | 14.9298% | 4,141 |
| Memoranda: | ||
| Average total assets | $66,188,500 | 5,347 |
| Average earning assets | $58,895,500 | 5,391 |
| Average equity | $9,475,500 | 4,882 |
| Average total loans | $44,585,000 | 4,964 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 645 |
| Cost of funding earning assets | 0.7203% | 1,002 |
| Net interest margin | 4.3731% | 925 |
| Noninterest income to average assets | 1.1758% | 871 |
| Noninterest expense to average assets | 3.4129% | 1,673 |
| Loan and lease loss provision to assets | -0.1527% | 6,235 |
| Net operating income to assets | 1.2796% | 1,349 |
| Return on assets (ROA) | 1.2796% | 1,401 |
| Pretax return on assets | 1.8187% | 761 |
| Return on Equity (ROE) | 9.0951% | 2,544 |
| Retained earnings to average equity (ytd only) | 6.2732% | 1,768 |
| Net charge-offs to loans | 0.0045% | 4,862 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,058 |
| Earnings coverage of net charge-offs (x) | 545.5000% | 97 |
| Efficiency ratio | 64.5219% | 4,500 |
| Assets per employee ($millions) | 3.4947% | 4,914 |
| Cash dividends to net income (ytd only)* | 31.0263% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 3,716 |
| Loan loss allowance to noncurrent loans | 96.5347% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.9127% | 2,934 |
| Noncurrent loans to loans | 1.2960% | 2,284 |
| Net loans and leases to total assets | 69.5422% | 2,299 |
| Net loans and leases to deposits | 101.5638% | 537 |
| Net loans and leases to core deposits | 106.4871% | 986 |
| Total domestic deposits to total assets | 68.4714% | 6,252 |
| Equity capital to assets | 14.3901% | 845 |
| Core capital (leverage) ratio | 11.3302% | 2,106 |
| Tier 1 risk-based capital ratio | 13.4095% | 4,461 |
| Total risk-based capital ratio | 14.4726% | 4,497 |
| Memoranda: | ||
| Average total assets | $65,487,400 | 5,411 |
| Average earning assets | $58,447,800 | 5,445 |
| Average equity | $9,213,800 | 4,919 |
| Average total loans | $44,439,400 | 5,020 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 505 |
| Cost of funding earning assets | 0.7280% | 1,001 |
| Net interest margin | 4.4873% | 758 |
| Noninterest income to average assets | 1.1584% | 892 |
| Noninterest expense to average assets | 3.3813% | 1,715 |
| Loan and lease loss provision to assets | -0.2043% | 6,393 |
| Net operating income to assets | 1.3750% | 1,185 |
| Return on assets (ROA) | 1.3750% | 1,228 |
| Pretax return on assets | 1.9736% | 606 |
| Return on Equity (ROE) | 9.8298% | 2,298 |
| Retained earnings to average equity (ytd only) | 8.2231% | 1,256 |
| Net charge-offs to loans | -0.0030% | 5,220 |
| Credit loss provision to net charge-offs | 10,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7529% | 4,771 |
| Assets per employee ($millions) | 3.6412% | 4,592 |
| Cash dividends to net income (ytd only)* | 16.3444% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 3,981 |
| Loan loss allowance to noncurrent loans | 89.0909% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0070% | 2,941 |
| Noncurrent loans to loans | 1.3983% | 2,315 |
| Net loans and leases to total assets | 71.1193% | 2,005 |
| Net loans and leases to deposits | 114.0742% | 152 |
| Net loans and leases to core deposits | 120.2637% | 393 |
| Total domestic deposits to total assets | 62.3448% | 6,459 |
| Equity capital to assets | 14.5250% | 848 |
| Core capital (leverage) ratio | 11.5679% | 2,005 |
| Tier 1 risk-based capital ratio | 13.4331% | 4,586 |
| Total risk-based capital ratio | 14.5079% | 4,632 |
| Memoranda: | ||
| Average total assets | $65,259,250 | 5,475 |
| Average earning assets | $58,058,750 | 5,509 |
| Average equity | $9,128,500 | 4,975 |
| Average total loans | $43,859,000 | 5,094 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 1,433 |
| Cost of funding earning assets | 0.7341% | 998 |
| Net interest margin | 3.9025% | 2,155 |
| Noninterest income to average assets | 0.9422% | 1,351 |
| Noninterest expense to average assets | 3.3914% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7611% | 3,510 |
| Return on assets (ROA) | 0.7611% | 3,618 |
| Pretax return on assets | 1.0097% | 3,442 |
| Return on Equity (ROE) | 5.5123% | 4,423 |
| Retained earnings to average equity (ytd only) | 3.9564% | 3,663 |
| Net charge-offs to loans | -0.0281% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6402% | 3,038 |
| Assets per employee ($millions) | 3.4103% | 5,033 |
| Cash dividends to net income (ytd only)* | 28.2258% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 2,633 |
| Loan loss allowance to noncurrent loans | 87.7215% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 2,651 |
| Noncurrent loans to loans | 1.7766% | 1,939 |
| Net loans and leases to total assets | 67.5551% | 2,492 |
| Net loans and leases to deposits | 106.6906% | 277 |
| Net loans and leases to core deposits | 112.5212% | 587 |
| Total domestic deposits to total assets | 63.3187% | 6,520 |
| Equity capital to assets | 14.0641% | 946 |
| Core capital (leverage) ratio | 11.0962% | 2,336 |
| Tier 1 risk-based capital ratio | 13.2582% | 4,750 |
| Total risk-based capital ratio | 14.5073% | 4,685 |
| Memoranda: | ||
| Average total assets | $65,165,000 | 5,524 |
| Average earning assets | $57,758,000 | 5,566 |
| Average equity | $8,998,000 | 5,031 |
| Average total loans | $42,745,000 | 5,172 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 1,936 |
| Cost of funding earning assets | 0.7478% | 981 |
| Net interest margin | 3.7114% | 2,816 |
| Noninterest income to average assets | 0.8508% | 1,556 |
| Noninterest expense to average assets | 3.3726% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5692% | 4,357 |
| Return on assets (ROA) | 0.5692% | 4,431 |
| Pretax return on assets | 0.7590% | 4,275 |
| Return on Equity (ROE) | 4.1608% | 4,957 |
| Retained earnings to average equity (ytd only) | 2.8186% | 4,401 |
| Net charge-offs to loans | -0.0573% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0741% | 2,465 |
| Assets per employee ($millions) | 3.4206% | 5,102 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 2,283 |
| Loan loss allowance to noncurrent loans | 73.4110% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 2,445 |
| Noncurrent loans to loans | 2.3433% | 1,511 |
| Net loans and leases to total assets | 60.9183% | 3,413 |
| Net loans and leases to deposits | 89.8858% | 1,166 |
| Net loans and leases to core deposits | 94.4466% | 1,519 |
| Total domestic deposits to total assets | 67.7730% | 6,523 |
| Equity capital to assets | 13.8140% | 982 |
| Core capital (leverage) ratio | 10.5788% | 2,834 |
| Tier 1 risk-based capital ratio | 13.7306% | 4,521 |
| Total risk-based capital ratio | 14.9815% | 4,473 |
| Memoranda: | ||
| Average total assets | $65,349,500 | 5,581 |
| Average earning assets | $57,768,500 | 5,617 |
| Average equity | $8,940,500 | 5,065 |
| Average total loans | $41,884,500 | 5,246 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 1,198 |
| Cost of funding earning assets | 0.8099% | 1,163 |
| Net interest margin | 4.0387% | 1,841 |
| Noninterest income to average assets | 1.2015% | 974 |
| Noninterest expense to average assets | 3.3694% | 1,947 |
| Loan and lease loss provision to assets | -0.1345% | 6,527 |
| Net operating income to assets | 1.1016% | 1,931 |
| Return on assets (ROA) | 1.0994% | 2,004 |
| Pretax return on assets | 1.5185% | 1,387 |
| Return on Equity (ROE) | 8.2358% | 2,909 |
| Retained earnings to average equity (ytd only) | 6.1624% | 1,878 |
| Net charge-offs to loans | 0.0184% | 5,076 |
| Credit loss provision to net charge-offs | -1,087.5000% | 6,238 |
| Earnings coverage of net charge-offs (x) | 112.1250% | 423 |
| Efficiency ratio | 67.6528% | 4,263 |
| Assets per employee ($millions) | 3.4583% | 4,982 |
| Cash dividends to net income (ytd only)* | 25.1758% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 2,843 |
| Loan loss allowance to noncurrent loans | 82.3741% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.2693% | 2,877 |
| Noncurrent loans to loans | 1.9179% | 2,095 |
| Net loans and leases to total assets | 65.1331% | 2,836 |
| Net loans and leases to deposits | 97.0564% | 662 |
| Net loans and leases to core deposits | 102.1213% | 1,016 |
| Total domestic deposits to total assets | 67.1085% | 6,610 |
| Equity capital to assets | 13.5495% | 1,048 |
| Core capital (leverage) ratio | 10.6920% | 2,684 |
| Tier 1 risk-based capital ratio | 13.0338% | 4,945 |
| Total risk-based capital ratio | 14.2846% | 4,898 |
| Memoranda: | ||
| Average total assets | $64,671,000 | 5,632 |
| Average earning assets | $56,923,800 | 5,682 |
| Average equity | $8,633,000 | 5,182 |
| Average total loans | $43,576,800 | 5,215 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 1,185 |
| Cost of funding earning assets | 0.8026% | 1,308 |
| Net interest margin | 4.0696% | 1,729 |
| Noninterest income to average assets | 1.2730% | 904 |
| Noninterest expense to average assets | 3.4051% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0593% | 2,150 |
| Return on assets (ROA) | 1.0578% | 2,241 |
| Pretax return on assets | 1.4448% | 1,780 |
| Return on Equity (ROE) | 7.9542% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.4910% | 2,139 |
| Net charge-offs to loans | 0.0306% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 69.9160% | 666 |
| Efficiency ratio | 67.0648% | 4,291 |
| Assets per employee ($millions) | 3.1740% | 5,554 |
| Cash dividends to net income (ytd only)* | 18.3952% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 2,389 |
| Loan loss allowance to noncurrent loans | 93.1242% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 3,044 |
| Noncurrent loans to loans | 1.9051% | 2,363 |
| Net loans and leases to total assets | 67.3325% | 2,409 |
| Net loans and leases to deposits | 110.0152% | 155 |
| Net loans and leases to core deposits | 117.3941% | 367 |
| Total domestic deposits to total assets | 61.2029% | 6,778 |
| Equity capital to assets | 13.8140% | 1,015 |
| Core capital (leverage) ratio | 10.8167% | 2,653 |
| Tier 1 risk-based capital ratio | 13.1411% | 5,021 |
| Total risk-based capital ratio | 14.3952% | 4,971 |
| Memoranda: | ||
| Average total assets | $64,412,000 | 5,700 |
| Average earning assets | $56,647,000 | 5,749 |
| Average equity | $8,565,500 | 5,250 |
| Average total loans | $43,600,000 | 5,255 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 1,220 |
| Cost of funding earning assets | 0.8123% | 1,357 |
| Net interest margin | 4.0367% | 1,743 |
| Noninterest income to average assets | 1.4214% | 782 |
| Noninterest expense to average assets | 3.3033% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2136% | 1,559 |
| Return on assets (ROA) | 1.2113% | 1,669 |
| Pretax return on assets | 1.6625% | 1,202 |
| Return on Equity (ROE) | 9.2261% | 2,533 |
| Retained earnings to average equity (ytd only) | 7.3667% | 1,727 |
| Net charge-offs to loans | -0.0092% | 5,751 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4328% | 4,942 |
| Assets per employee ($millions) | 3.5390% | 4,777 |
| Cash dividends to net income (ytd only)* | 20.1531% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 2,594 |
| Loan loss allowance to noncurrent loans | 93.8995% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.3124% | 3,154 |
| Noncurrent loans to loans | 1.8648% | 2,541 |
| Net loans and leases to total assets | 69.1438% | 2,044 |
| Net loans and leases to deposits | 108.8039% | 166 |
| Net loans and leases to core deposits | 115.7886% | 396 |
| Total domestic deposits to total assets | 63.5490% | 6,805 |
| Equity capital to assets | 13.5632% | 1,100 |
| Core capital (leverage) ratio | 10.3444% | 3,053 |
| Tier 1 risk-based capital ratio | 11.9144% | 5,844 |
| Total risk-based capital ratio | 13.1675% | 5,791 |
| Memoranda: | ||
| Average total assets | $64,723,000 | 5,733 |
| Average earning assets | $56,877,670 | 5,779 |
| Average equity | $8,497,670 | 5,308 |
| Average total loans | $43,628,670 | 5,281 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 1,286 |
| Cost of funding earning assets | 0.8121% | 1,466 |
| Net interest margin | 3.9907% | 1,828 |
| Noninterest income to average assets | 1.3367% | 860 |
| Noninterest expense to average assets | 3.2069% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1773% | 1,591 |
| Return on assets (ROA) | 1.1773% | 1,702 |
| Pretax return on assets | 1.6249% | 1,248 |
| Return on Equity (ROE) | 9.1141% | 2,434 |
| Retained earnings to average equity (ytd only) | 7.2153% | 2,062 |
| Net charge-offs to loans | -0.0186% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3249% | 5,113 |
| Assets per employee ($millions) | 3.3581% | 5,315 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 2,218 |
| Loan loss allowance to noncurrent loans | 93.6754% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 3,334 |
| Noncurrent loans to loans | 2.0622% | 2,549 |
| Net loans and leases to total assets | 62.4594% | 2,973 |
| Net loans and leases to deposits | 94.1303% | 660 |
| Net loans and leases to core deposits | 98.1697% | 1,069 |
| Total domestic deposits to total assets | 66.3542% | 6,840 |
| Equity capital to assets | 13.3285% | 1,285 |
| Core capital (leverage) ratio | 9.9505% | 3,456 |
| Tier 1 risk-based capital ratio | 12.4066% | 5,634 |
| Total risk-based capital ratio | 13.6590% | 5,581 |
| Memoranda: | ||
| Average total assets | $65,233,500 | 5,768 |
| Average earning assets | $57,133,000 | 5,819 |
| Average equity | $8,426,500 | 5,381 |
| Average total loans | $43,027,500 | 5,337 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 1,485 |
| Cost of funding earning assets | 0.8730% | 2,112 |
| Net interest margin | 4.1542% | 1,802 |
| Noninterest income to average assets | 1.3565% | 843 |
| Noninterest expense to average assets | 3.6391% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9945% | 2,360 |
| Return on assets (ROA) | 0.9945% | 2,581 |
| Pretax return on assets | 1.3627% | 2,165 |
| Return on Equity (ROE) | 7.2140% | 3,520 |
| Retained earnings to average equity (ytd only) | -5.2978% | 6,447 |
| Net charge-offs to loans | 0.0262% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 79.7273% | 475 |
| Efficiency ratio | 69.7111% | 3,865 |
| Assets per employee ($millions) | 3.5086% | 4,988 |
| Cash dividends to net income (ytd only)* | 173.4375% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 2,851 |
| Loan loss allowance to noncurrent loans | 86.7925% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.3516% | 3,374 |
| Noncurrent loans to loans | 1.9838% | 2,715 |
| Net loans and leases to total assets | 66.9582% | 2,372 |
| Net loans and leases to deposits | 108.2398% | 186 |
| Net loans and leases to core deposits | 109.7164% | 547 |
| Total domestic deposits to total assets | 61.8610% | 6,954 |
| Equity capital to assets | 12.5240% | 1,692 |
| Core capital (leverage) ratio | 9.8241% | 3,635 |
| Tier 1 risk-based capital ratio | 11.1539% | 6,289 |
| Total risk-based capital ratio | 12.4054% | 6,257 |
| Memoranda: | ||
| Average total assets | $64,356,000 | 5,801 |
| Average earning assets | $56,472,400 | 5,850 |
| Average equity | $8,871,600 | 5,258 |
| Average total loans | $42,031,800 | 5,419 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0825% | 1,467 |
| Cost of funding earning assets | 0.8954% | 2,203 |
| Net interest margin | 4.1871% | 1,773 |
| Noninterest income to average assets | 1.2146% | 1,012 |
| Noninterest expense to average assets | 3.7315% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8759% | 3,103 |
| Return on assets (ROA) | 0.8759% | 3,346 |
| Pretax return on assets | 1.1686% | 3,103 |
| Return on Equity (ROE) | 6.2057% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.2430% | 3,194 |
| Net charge-offs to loans | -0.0032% | 6,230 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0375% | 3,140 |
| Assets per employee ($millions) | 3.1303% | 5,781 |
| Cash dividends to net income (ytd only)* | 15.5124% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 2,436 |
| Loan loss allowance to noncurrent loans | 91.4747% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 3,526 |
| Noncurrent loans to loans | 2.0884% | 2,756 |
| Net loans and leases to total assets | 65.1184% | 2,813 |
| Net loans and leases to deposits | 107.7065% | 198 |
| Net loans and leases to core deposits | 109.3093% | 596 |
| Total domestic deposits to total assets | 60.4591% | 7,059 |
| Equity capital to assets | 14.6855% | 914 |
| Core capital (leverage) ratio | 11.3430% | 2,100 |
| Tier 1 risk-based capital ratio | 10.7373% | 6,592 |
| Total risk-based capital ratio | 11.9706% | 6,582 |
| Memoranda: | ||
| Average total assets | $63,779,000 | 5,886 |
| Average earning assets | $56,139,000 | 5,932 |
| Average equity | $9,002,250 | 5,271 |
| Average total loans | $41,185,000 | 5,513 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 1,769 |
| Cost of funding earning assets | 0.9130% | 2,302 |
| Net interest margin | 4.0944% | 2,120 |
| Noninterest income to average assets | 1.0192% | 1,407 |
| Noninterest expense to average assets | 3.6715% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7293% | 3,709 |
| Return on assets (ROA) | 0.7293% | 3,979 |
| Pretax return on assets | 0.9537% | 3,876 |
| Return on Equity (ROE) | 5.2359% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.5199% | 3,593 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3801% | 2,280 |
| Assets per employee ($millions) | 3.0060% | 6,054 |
| Cash dividends to net income (ytd only)* | 13.6752% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 2,386 |
| Loan loss allowance to noncurrent loans | 91.0448% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 3,669 |
| Noncurrent loans to loans | 2.1377% | 2,776 |
| Net loans and leases to total assets | 63.2867% | 3,183 |
| Net loans and leases to deposits | 100.7591% | 391 |
| Net loans and leases to core deposits | 102.1869% | 973 |
| Total domestic deposits to total assets | 62.8099% | 7,101 |
| Equity capital to assets | 14.2792% | 986 |
| Core capital (leverage) ratio | 11.0278% | 2,267 |
| Tier 1 risk-based capital ratio | 10.4622% | 6,709 |
| Total risk-based capital ratio | 11.6936% | 6,702 |
| Memoranda: | ||
| Average total assets | $64,170,000 | 5,911 |
| Average earning assets | $56,516,000 | 5,957 |
| Average equity | $8,938,330 | 5,284 |
| Average total loans | $41,059,330 | 5,549 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 1,808 |
| Cost of funding earning assets | 0.9403% | 2,374 |
| Net interest margin | 4.0839% | 2,160 |
| Noninterest income to average assets | 1.0264% | 1,357 |
| Noninterest expense to average assets | 3.4564% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8656% | 3,074 |
| Return on assets (ROA) | 0.8656% | 3,307 |
| Pretax return on assets | 1.1686% | 3,031 |
| Return on Equity (ROE) | 6.2918% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.5727% | 3,221 |
| Net charge-offs to loans | -0.0097% | 5,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7326% | 2,988 |
| Assets per employee ($millions) | 3.1798% | 5,809 |
| Cash dividends to net income (ytd only)* | 11.4286% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0534% | 2,209 |
| Loan loss allowance to noncurrent loans | 87.5276% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 3,729 |
| Noncurrent loans to loans | 2.3461% | 2,750 |
| Net loans and leases to total assets | 59.4770% | 3,781 |
| Net loans and leases to deposits | 91.9019% | 804 |
| Net loans and leases to core deposits | 93.7911% | 1,484 |
| Total domestic deposits to total assets | 64.7179% | 7,132 |
| Equity capital to assets | 14.0811% | 999 |
| Core capital (leverage) ratio | 10.6204% | 2,624 |
| Tier 1 risk-based capital ratio | 10.8526% | 6,598 |
| Total risk-based capital ratio | 12.1020% | 6,588 |
| Memoranda: | ||
| Average total assets | $64,691,500 | 5,932 |
| Average earning assets | $57,005,000 | 5,973 |
| Average equity | $8,900,500 | 5,315 |
| Average total loans | $41,217,000 | 5,587 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4993% | 1,176 |
| Cost of funding earning assets | 1.1292% | 2,478 |
| Net interest margin | 4.3700% | 1,475 |
| Noninterest income to average assets | 1.1128% | 1,071 |
| Noninterest expense to average assets | 3.7595% | 1,424 |
| Loan and lease loss provision to assets | 0.0030% | 6,477 |
| Net operating income to assets | 0.8633% | 2,758 |
| Return on assets (ROA) | 0.8633% | 2,905 |
| Pretax return on assets | 1.1710% | 2,573 |
| Return on Equity (ROE) | 5.9409% | 3,895 |
| Retained earnings to average equity (ytd only) | -9.4766% | 6,684 |
| Net charge-offs to loans | 0.0250% | 6,086 |
| Credit loss provision to net charge-offs | 18.1818% | 5,938 |
| Earnings coverage of net charge-offs (x) | 71.4545% | 421 |
| Efficiency ratio | 76.2035% | 2,860 |
| Assets per employee ($millions) | 3.2894% | 5,531 |
| Cash dividends to net income (ytd only)* | 259.5156% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 2,838 |
| Loan loss allowance to noncurrent loans | 83.2109% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 3,799 |
| Noncurrent loans to loans | 2.1750% | 2,977 |
| Net loans and leases to total assets | 65.3974% | 2,900 |
| Net loans and leases to deposits | 109.9096% | 173 |
| Net loans and leases to core deposits | 113.7723% | 510 |
| Total domestic deposits to total assets | 59.5011% | 7,232 |
| Equity capital to assets | 13.4464% | 1,297 |
| Core capital (leverage) ratio | 10.6862% | 2,536 |
| Tier 1 risk-based capital ratio | 10.0101% | 6,857 |
| Total risk-based capital ratio | 11.2272% | 6,859 |
| Memoranda: | ||
| Average total assets | $66,949,800 | 5,844 |
| Average earning assets | $58,535,000 | 5,914 |
| Average equity | $9,729,200 | 5,091 |
| Average total loans | $43,928,800 | 5,522 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 1,782 |
| Cost of funding earning assets | 1.1983% | 2,327 |
| Net interest margin | 4.1236% | 2,383 |
| Noninterest income to average assets | 1.1501% | 995 |
| Noninterest expense to average assets | 3.7576% | 1,384 |
| Loan and lease loss provision to assets | 0.0040% | 6,368 |
| Net operating income to assets | 0.7416% | 3,422 |
| Return on assets (ROA) | 0.7416% | 3,590 |
| Pretax return on assets | 0.9914% | 3,432 |
| Return on Equity (ROE) | 5.0116% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.0116% | 3,164 |
| Net charge-offs to loans | 0.0243% | 5,806 |
| Credit loss provision to net charge-offs | 25.0000% | 5,489 |
| Earnings coverage of net charge-offs (x) | 62.7291% | 526 |
| Efficiency ratio | 79.0572% | 2,400 |
| Assets per employee ($millions) | 2.9629% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 3,014 |
| Loan loss allowance to noncurrent loans | 82.9854% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 3,782 |
| Noncurrent loans to loans | 2.1455% | 3,190 |
| Net loans and leases to total assets | 70.4858% | 1,980 |
| Net loans and leases to deposits | 117.7211% | 96 |
| Net loans and leases to core deposits | 123.4504% | 317 |
| Total domestic deposits to total assets | 59.8753% | 7,302 |
| Equity capital to assets | 16.3192% | 579 |
| Core capital (leverage) ratio | 12.3630% | 1,504 |
| Tier 1 risk-based capital ratio | 12.4491% | 5,537 |
| Total risk-based capital ratio | 13.6820% | 5,538 |
| Memoranda: | ||
| Average total assets | $67,240,500 | 5,864 |
| Average earning assets | $58,749,750 | 5,948 |
| Average equity | $9,950,000 | 5,045 |
| Average total loans | $43,957,000 | 5,564 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1238% | 2,575 |
| Cost of funding earning assets | 1.2133% | 2,486 |
| Net interest margin | 3.9104% | 3,260 |
| Noninterest income to average assets | 1.1289% | 1,013 |
| Noninterest expense to average assets | 3.7090% | 1,512 |
| Loan and lease loss provision to assets | 0.0058% | 6,182 |
| Net operating income to assets | 0.6617% | 3,732 |
| Return on assets (ROA) | 0.6617% | 3,857 |
| Pretax return on assets | 0.8561% | 3,809 |
| Return on Equity (ROE) | 4.6145% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.6145% | 3,249 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1429% | 2,223 |
| Assets per employee ($millions) | 3.1525% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 2,869 |
| Loan loss allowance to noncurrent loans | 82.5283% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4697% | 4,009 |
| Noncurrent loans to loans | 2.2249% | 3,199 |
| Net loans and leases to total assets | 64.8445% | 3,285 |
| Net loans and leases to deposits | 107.7616% | 219 |
| Net loans and leases to core deposits | 113.5417% | 592 |
| Total domestic deposits to total assets | 60.1740% | 7,376 |
| Equity capital to assets | 15.1232% | 791 |
| Core capital (leverage) ratio | 11.7079% | 1,780 |
| Tier 1 risk-based capital ratio | 12.2716% | 5,545 |
| Total risk-based capital ratio | 13.5224% | 5,530 |
| Memoranda: | ||
| Average total assets | $68,913,670 | 5,856 |
| Average earning assets | $60,658,670 | 5,931 |
| Average equity | $9,882,000 | 5,080 |
| Average total loans | $43,725,330 | 5,623 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 2,843 |
| Cost of funding earning assets | 1.2535% | 2,483 |
| Net interest margin | 3.7994% | 3,626 |
| Noninterest income to average assets | 0.8823% | 1,722 |
| Noninterest expense to average assets | 3.4951% | 2,013 |
| Loan and lease loss provision to assets | 0.0114% | 5,767 |
| Net operating income to assets | 0.5863% | 4,110 |
| Return on assets (ROA) | 0.5863% | 4,176 |
| Pretax return on assets | 0.7229% | 4,207 |
| Return on Equity (ROE) | 4.1968% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.1968% | 3,643 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6380% | 2,131 |
| Assets per employee ($millions) | 3.2132% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9051% | 2,678 |
| Loan loss allowance to noncurrent loans | 79.5050% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 4,007 |
| Noncurrent loans to loans | 2.3963% | 3,094 |
| Net loans and leases to total assets | 61.2733% | 4,020 |
| Net loans and leases to deposits | 98.3352% | 556 |
| Net loans and leases to core deposits | 103.3185% | 1,108 |
| Total domestic deposits to total assets | 62.3107% | 7,398 |
| Equity capital to assets | 14.5929% | 858 |
| Core capital (leverage) ratio | 10.8802% | 2,283 |
| Tier 1 risk-based capital ratio | 12.6344% | 5,132 |
| Total risk-based capital ratio | 13.8851% | 5,112 |
| Memoranda: | ||
| Average total assets | $70,269,000 | 5,863 |
| Average earning assets | $61,905,000 | 5,942 |
| Average equity | $9,817,000 | 5,089 |
| Average total loans | $43,722,000 | 5,672 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5853% | 1,958 |
| Cost of funding earning assets | 1.4004% | 3,264 |
| Net interest margin | 4.1849% | 2,246 |
| Noninterest income to average assets | 1.6310% | 552 |
| Noninterest expense to average assets | 3.7870% | 1,511 |
| Loan and lease loss provision to assets | 0.1627% | 5,586 |
| Net operating income to assets | 0.9589% | 2,169 |
| Return on assets (ROA) | 0.9589% | 2,295 |
| Pretax return on assets | 1.3527% | 1,788 |
| Return on Equity (ROE) | 7.0779% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.0779% | 1,287 |
| Net charge-offs to loans | 0.0195% | 6,618 |
| Credit loss provision to net charge-offs | 1,266.6667% | 177 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 216 |
| Efficiency ratio | 71.4209% | 3,906 |
| Assets per employee ($millions) | 3.1765% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 2,962 |
| Loan loss allowance to noncurrent loans | 75.7089% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 4,156 |
| Noncurrent loans to loans | 2.3358% | 3,183 |
| Net loans and leases to total assets | 60.9006% | 4,508 |
| Net loans and leases to deposits | 96.0662% | 862 |
| Net loans and leases to core deposits | 102.5444% | 1,412 |
| Total domestic deposits to total assets | 63.3945% | 7,455 |
| Equity capital to assets | 13.3958% | 1,220 |
| Core capital (leverage) ratio | 10.4838% | 2,575 |
| Tier 1 risk-based capital ratio | 11.9480% | 5,522 |
| Total risk-based capital ratio | 13.1983% | 5,498 |
| Memoranda: | ||
| Average total assets | $70,081,800 | 5,886 |
| Average earning assets | $61,482,800 | 5,940 |
| Average equity | $9,494,400 | 5,267 |
| Average total loans | $46,202,800 | 5,634 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 1,641 |
| Cost of funding earning assets | 1.4434% | 3,307 |
| Net interest margin | 4.2775% | 1,923 |
| Noninterest income to average assets | 1.4768% | 623 |
| Noninterest expense to average assets | 3.6747% | 1,625 |
| Loan and lease loss provision to assets | 0.1731% | 5,310 |
| Net operating income to assets | 1.1691% | 1,675 |
| Return on assets (ROA) | 1.1691% | 1,773 |
| Pretax return on assets | 1.3730% | 1,956 |
| Return on Equity (ROE) | 8.6045% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.6045% | 1,201 |
| Net charge-offs to loans | 0.0258% | 6,309 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 89.3308% | 345 |
| Efficiency ratio | 70.3867% | 3,987 |
| Assets per employee ($millions) | 2.7554% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 3,441 |
| Loan loss allowance to noncurrent loans | 61.7460% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 3,708 |
| Noncurrent loans to loans | 2.6249% | 2,999 |
| Net loans and leases to total assets | 68.5524% | 3,081 |
| Net loans and leases to deposits | 116.8077% | 146 |
| Net loans and leases to core deposits | 127.9721% | 414 |
| Total domestic deposits to total assets | 58.6883% | 7,612 |
| Equity capital to assets | 14.1727% | 1,115 |
| Core capital (leverage) ratio | 10.0055% | 3,250 |
| Tier 1 risk-based capital ratio | 10.8144% | 6,531 |
| Total risk-based capital ratio | 12.0422% | 6,538 |
| Memoranda: | ||
| Average total assets | $69,337,250 | 5,962 |
| Average earning assets | $60,688,750 | 6,040 |
| Average equity | $9,421,250 | 5,370 |
| Average total loans | $46,429,750 | 5,708 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7053% | 1,737 |
| Cost of funding earning assets | 1.4683% | 3,438 |
| Net interest margin | 4.2370% | 2,031 |
| Noninterest income to average assets | 1.2520% | 827 |
| Noninterest expense to average assets | 3.6323% | 1,701 |
| Loan and lease loss provision to assets | 0.1727% | 5,136 |
| Net operating income to assets | 1.1283% | 1,769 |
| Return on assets (ROA) | 1.1283% | 1,836 |
| Pretax return on assets | 1.1513% | 2,582 |
| Return on Equity (ROE) | 8.4235% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.4235% | 1,286 |
| Net charge-offs to loans | 0.0087% | 6,236 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 146 |
| Efficiency ratio | 73.2869% | 3,599 |
| Assets per employee ($millions) | 2.8361% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 3,287 |
| Loan loss allowance to noncurrent loans | 56.8524% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.9510% | 3,550 |
| Noncurrent loans to loans | 2.8841% | 2,770 |
| Net loans and leases to total assets | 66.5384% | 3,731 |
| Net loans and leases to deposits | 109.8579% | 281 |
| Net loans and leases to core deposits | 119.3381% | 719 |
| Total domestic deposits to total assets | 60.5677% | 7,650 |
| Equity capital to assets | 14.0467% | 1,144 |
| Core capital (leverage) ratio | 9.9522% | 3,217 |
| Tier 1 risk-based capital ratio | 11.9047% | 5,398 |
| Total risk-based capital ratio | 13.1557% | 5,373 |
| Memoranda: | ||
| Average total assets | $69,487,670 | 5,992 |
| Average earning assets | $60,750,000 | 6,072 |
| Average equity | $9,307,330 | 5,414 |
| Average total loans | $45,906,000 | 5,763 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7154% | 1,717 |
| Cost of funding earning assets | 1.4859% | 3,647 |
| Net interest margin | 4.2295% | 1,934 |
| Noninterest income to average assets | 0.9516% | 1,447 |
| Noninterest expense to average assets | 3.5613% | 1,816 |
| Loan and lease loss provision to assets | 0.1709% | 4,819 |
| Net operating income to assets | 0.5584% | 4,093 |
| Return on assets (ROA) | 0.5584% | 4,237 |
| Pretax return on assets | 0.9174% | 3,403 |
| Return on Equity (ROE) | 4.2699% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.2699% | 3,586 |
| Net charge-offs to loans | 0.0175% | 5,335 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 338 |
| Efficiency ratio | 76.5931% | 3,120 |
| Assets per employee ($millions) | 2.7522% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 3,382 |
| Loan loss allowance to noncurrent loans | 70.2913% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 4,262 |
| Noncurrent loans to loans | 2.2962% | 3,390 |
| Net loans and leases to total assets | 64.1431% | 4,299 |
| Net loans and leases to deposits | 105.5561% | 444 |
| Net loans and leases to core deposits | 111.9133% | 1,171 |
| Total domestic deposits to total assets | 60.7668% | 7,747 |
| Equity capital to assets | 13.2914% | 1,399 |
| Core capital (leverage) ratio | 9.5360% | 3,712 |
| Tier 1 risk-based capital ratio | 11.7380% | 5,455 |
| Total risk-based capital ratio | 12.9880% | 5,403 |
| Memoranda: | ||
| Average total assets | $70,198,500 | 6,041 |
| Average earning assets | $61,378,500 | 6,114 |
| Average equity | $9,180,500 | 5,487 |
| Average total loans | $45,836,500 | 5,846 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9725% | 1,976 |
| Cost of funding earning assets | 1.6630% | 4,713 |
| Net interest margin | 4.3094% | 1,692 |
| Noninterest income to average assets | 1.1834% | 1,100 |
| Noninterest expense to average assets | 3.6280% | 2,082 |
| Loan and lease loss provision to assets | 0.2936% | 5,075 |
| Net operating income to assets | 0.7606% | 2,675 |
| Return on assets (ROA) | 0.7606% | 2,772 |
| Pretax return on assets | 1.0131% | 2,549 |
| Return on Equity (ROE) | 5.7178% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.7178% | 1,464 |
| Net charge-offs to loans | 0.0167% | 6,987 |
| Credit loss provision to net charge-offs | 2,857.1429% | 124 |
| Earnings coverage of net charge-offs (x) | 127.1429% | 225 |
| Efficiency ratio | 73.5198% | 3,994 |
| Assets per employee ($millions) | 2.7536% | 6,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,781 |
| Loan loss allowance to noncurrent loans | 2,904.1667% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 7,436 |
| Noncurrent loans to loans | 0.0513% | 7,301 |
| Net loans and leases to total assets | 64.4183% | 4,510 |
| Net loans and leases to deposits | 105.7848% | 564 |
| Net loans and leases to core deposits | 129.6825% | 1,300 |
| Total domestic deposits to total assets | 60.8956% | 7,784 |
| Equity capital to assets | 12.8728% | 1,562 |
| Core capital (leverage) ratio | 9.1436% | 4,209 |
| Tier 1 risk-based capital ratio | 11.4323% | 5,473 |
| Total risk-based capital ratio | 12.6813% | 5,432 |
| Memoranda: | ||
| Average total assets | $68,108,400 | 6,072 |
| Average earning assets | $59,288,800 | 6,149 |
| Average equity | $9,059,400 | 5,588 |
| Average total loans | $41,805,200 | 6,021 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0162% | 1,966 |
| Cost of funding earning assets | 1.6792% | 5,008 |
| Net interest margin | 4.3370% | 1,626 |
| Noninterest income to average assets | 1.2414% | 1,001 |
| Noninterest expense to average assets | 3.5971% | 2,032 |
| Loan and lease loss provision to assets | 0.2776% | 4,754 |
| Net operating income to assets | 0.8844% | 2,478 |
| Return on assets (ROA) | 0.8844% | 2,554 |
| Pretax return on assets | 1.1362% | 2,456 |
| Return on Equity (ROE) | 6.5924% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.5924% | 1,666 |
| Net charge-offs to loans | 0.0263% | 6,512 |
| Credit loss provision to net charge-offs | 1,750.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 89.0947% | 394 |
| Efficiency ratio | 71.7847% | 4,285 |
| Assets per employee ($millions) | 2.6871% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 3,670 |
| 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 | 61.6804% | 5,291 |
| Net loans and leases to deposits | 101.3643% | 981 |
| Net loans and leases to core deposits | 133.7835% | 1,224 |
| Total domestic deposits to total assets | 60.8502% | 7,857 |
| Equity capital to assets | 13.1454% | 1,643 |
| Core capital (leverage) ratio | 9.0275% | 4,605 |
| Tier 1 risk-based capital ratio | 10.8185% | 6,134 |
| Total risk-based capital ratio | 11.9448% | 6,228 |
| Memoranda: | ||
| Average total assets | $67,237,250 | 6,140 |
| Average earning assets | $58,440,750 | 6,239 |
| Average equity | $9,020,250 | 5,654 |
| Average total loans | $40,552,500 | 6,128 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0194% | 2,107 |
| Cost of funding earning assets | 1.6584% | 5,478 |
| Net interest margin | 4.3610% | 1,493 |
| Noninterest income to average assets | 1.1121% | 1,284 |
| Noninterest expense to average assets | 3.5864% | 2,104 |
| Loan and lease loss provision to assets | 0.2411% | 4,657 |
| Net operating income to assets | 0.9524% | 2,270 |
| Return on assets (ROA) | 0.9524% | 2,363 |
| Pretax return on assets | 1.0729% | 2,727 |
| Return on Equity (ROE) | 7.0491% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.0491% | 1,566 |
| Net charge-offs to loans | 0.0405% | 5,902 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 647 |
| Efficiency ratio | 73.1857% | 4,158 |
| Assets per employee ($millions) | 2.8392% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 3,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 7,436 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 58.5010% | 5,903 |
| Net loans and leases to deposits | 91.4102% | 2,586 |
| Net loans and leases to core deposits | 117.2133% | 2,612 |
| Total domestic deposits to total assets | 63.9983% | 7,830 |
| Equity capital to assets | 12.7768% | 1,801 |
| Core capital (leverage) ratio | 9.2129% | 4,290 |
| Tier 1 risk-based capital ratio | 11.0049% | 5,870 |
| Total risk-based capital ratio | 12.0580% | 6,011 |
| Memoranda: | ||
| Average total assets | $66,361,330 | 6,213 |
| Average earning assets | $57,646,670 | 6,330 |
| Average equity | $8,965,670 | 5,696 |
| Average total loans | $39,493,670 | 6,226 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1737% | 1,677 |
| Cost of funding earning assets | 1.6824% | 5,675 |
| Net interest margin | 4.4913% | 1,143 |
| Noninterest income to average assets | 0.9367% | 1,707 |
| Noninterest expense to average assets | 3.5534% | 1,966 |
| Loan and lease loss provision to assets | 0.1249% | 5,357 |
| Net operating income to assets | 1.3177% | 1,341 |
| Return on assets (ROA) | 1.3177% | 1,439 |
| Pretax return on assets | 1.1428% | 2,819 |
| Return on Equity (ROE) | 9.4683% | 2,544 |
| Retained earnings to average equity (ytd only) | 9.4683% | 1,346 |
| Net charge-offs to loans | 0.0733% | 4,453 |
| Credit loss provision to net charge-offs | 285.7143% | 1,685 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,084 |
| Efficiency ratio | 73.7047% | 3,872 |
| Assets per employee ($millions) | 2.5543% | 7,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 7,386 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 58.9348% | 5,817 |
| Net loans and leases to deposits | 86.0757% | 3,615 |
| Net loans and leases to core deposits | 110.7958% | 3,335 |
| Total domestic deposits to total assets | 68.4686% | 7,559 |
| Equity capital to assets | 14.0783% | 1,340 |
| Core capital (leverage) ratio | 9.8049% | 3,631 |
| Tier 1 risk-based capital ratio | 12.7284% | 4,368 |
| Total risk-based capital ratio | 13.8304% | 4,411 |
| Memoranda: | ||
| Average total assets | $64,052,000 | 6,323 |
| Average earning assets | $55,396,000 | 6,441 |
| Average equity | $8,914,000 | 5,732 |
| Average total loans | $38,190,500 | 6,322 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4524% | 3,182 |
| Cost of funding earning assets | 2.1588% | 5,783 |
| Net interest margin | 4.2936% | 1,998 |
| Noninterest income to average assets | 0.8286% | 2,360 |
| Noninterest expense to average assets | 3.2936% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7742% | 3,554 |
| Return on assets (ROA) | 0.7742% | 3,392 |
| Pretax return on assets | 1.2541% | 2,464 |
| Return on Equity (ROE) | 5.7182% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.1275% | 1,947 |
| Net charge-offs to loans | 0.0454% | 6,140 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 770 |
| Efficiency ratio | 68.9764% | 4,541 |
| Assets per employee ($millions) | 2.7933% | 6,571 |
| Cash dividends to net income (ytd only)* | 10.3306% | 4,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 3,659 |
| Loan loss allowance to noncurrent loans | 812.9032% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 7,191 |
| Noncurrent loans to loans | 0.1622% | 6,917 |
| Net loans and leases to total assets | 58.7203% | 6,100 |
| Net loans and leases to deposits | 83.7276% | 4,463 |
| Net loans and leases to core deposits | 104.1982% | 4,374 |
| Total domestic deposits to total assets | 70.1325% | 7,259 |
| Equity capital to assets | 13.7563% | 1,515 |
| Core capital (leverage) ratio | 9.2576% | 4,356 |
| Tier 1 risk-based capital ratio | 11.6849% | 5,069 |
| Total risk-based capital ratio | 12.7789% | 5,108 |
| Memoranda: | ||
| Average total assets | $62,515,600 | 6,297 |
| Average earning assets | $54,150,400 | 6,407 |
| Average equity | $8,464,200 | 5,915 |
| Average total loans | $35,278,400 | 6,406 |