Home > Pinnacle Bank Sioux City > Performance and Condition Ratios
Pinnacle Bank Sioux City, Performance and Condition Ratios
| 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 | 3.4671% | 4,958 |
| Cost of funding earning assets | 0.3966% | 3,747 |
| Net interest margin | 3.0705% | 4,786 |
| Noninterest income to average assets | 0.3707% | 3,677 |
| Noninterest expense to average assets | 2.1597% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1206% | 2,517 |
| Return on assets (ROA) | 1.1206% | 2,517 |
| Pretax return on assets | 1.1683% | 3,055 |
| Return on Equity (ROE) | 7.1957% | 3,834 |
| Retained earnings to average equity (ytd only) | 7.1957% | 1,979 |
| Net charge-offs to loans | -0.0099% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8945% | 3,174 |
| Assets per employee ($millions) | 5.0031% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 546 |
| Loan loss allowance to noncurrent loans | 166.9388% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 2,114 |
| Noncurrent loans to loans | 1.1775% | 1,474 |
| Net loans and leases to total assets | 58.2456% | 3,969 |
| Net loans and leases to deposits | 76.1053% | 3,314 |
| Net loans and leases to core deposits | 84.1331% | 3,069 |
| Total domestic deposits to total assets | 76.5330% | 4,797 |
| Equity capital to assets | 15.9702% | 506 |
| Core capital (leverage) ratio | 16.3304% | 460 |
| Tier 1 risk-based capital ratio | 29.9874% | 478 |
| Total risk-based capital ratio | 31.2482% | 472 |
| Memoranda: | ||
| Average total assets | $71,212,670 | 4,665 |
| Average earning assets | $68,587,670 | 4,612 |
| Average equity | $11,090,000 | 4,219 |
| Average total loans | $40,487,670 | 4,625 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 4,974 |
| Cost of funding earning assets | 0.3637% | 3,886 |
| Net interest margin | 3.0716% | 4,761 |
| Noninterest income to average assets | 0.3788% | 3,597 |
| Noninterest expense to average assets | 2.0892% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2034% | 1,988 |
| Return on assets (ROA) | 1.2034% | 1,999 |
| Pretax return on assets | 1.2535% | 2,540 |
| Return on Equity (ROE) | 7.8247% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.8247% | 1,909 |
| Net charge-offs to loans | -0.0200% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 3,704 |
| Assets per employee ($millions) | 5.1768% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 517 |
| Loan loss allowance to noncurrent loans | 202.9777% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 2,640 |
| Noncurrent loans to loans | 0.9979% | 1,832 |
| Net loans and leases to total assets | 54.5926% | 4,234 |
| Net loans and leases to deposits | 64.4838% | 4,180 |
| Net loans and leases to core deposits | 67.9291% | 4,221 |
| Total domestic deposits to total assets | 84.6609% | 3,043 |
| Equity capital to assets | 15.2522% | 617 |
| Core capital (leverage) ratio | 15.9148% | 500 |
| Tier 1 risk-based capital ratio | 29.8335% | 481 |
| Total risk-based capital ratio | 31.0948% | 468 |
| Memoranda: | ||
| Average total assets | $71,797,500 | 4,712 |
| Average earning assets | $69,279,000 | 4,657 |
| Average equity | $11,042,000 | 4,269 |
| Average total loans | $39,924,000 | 4,691 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6483% | 5,515 |
| Cost of funding earning assets | 0.2500% | 4,565 |
| Net interest margin | 2.3984% | 5,464 |
| Noninterest income to average assets | 0.3323% | 4,091 |
| Noninterest expense to average assets | 1.9349% | 5,070 |
| Loan and lease loss provision to assets | 0.0231% | 3,837 |
| Net operating income to assets | 0.6542% | 3,802 |
| Return on assets (ROA) | 0.6542% | 3,839 |
| Pretax return on assets | 0.6992% | 4,508 |
| Return on Equity (ROE) | 5.2034% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.7445% | 2,292 |
| Net charge-offs to loans | 0.1177% | 1,868 |
| Credit loss provision to net charge-offs | 43.4783% | 3,409 |
| Earnings coverage of net charge-offs (x) | 13.6087% | 2,378 |
| Efficiency ratio | 72.8181% | 2,096 |
| Assets per employee ($millions) | 5.0800% | 2,386 |
| Cash dividends to net income (ytd only)* | 8.8183% | 3,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0677% | 470 |
| Loan loss allowance to noncurrent loans | 128.9100% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 1,729 |
| Noncurrent loans to loans | 1.6040% | 1,040 |
| Net loans and leases to total assets | 54.3420% | 4,332 |
| Net loans and leases to deposits | 64.3811% | 4,298 |
| Net loans and leases to core deposits | 67.8976% | 4,306 |
| Total domestic deposits to total assets | 84.4066% | 3,067 |
| Equity capital to assets | 15.5090% | 586 |
| Core capital (leverage) ratio | 15.2831% | 572 |
| Tier 1 risk-based capital ratio | 29.5571% | 477 |
| Total risk-based capital ratio | 30.8176% | 470 |
| Memoranda: | ||
| Average total assets | $86,672,400 | 4,479 |
| Average earning assets | $84,015,600 | 4,402 |
| Average equity | $10,896,800 | 4,319 |
| Average total loans | $39,077,400 | 4,753 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5116% | 5,609 |
| Cost of funding earning assets | 0.2367% | 4,682 |
| Net interest margin | 2.2748% | 5,584 |
| Noninterest income to average assets | 0.3298% | 4,176 |
| Noninterest expense to average assets | 1.8565% | 5,189 |
| Loan and lease loss provision to assets | 0.0294% | 3,534 |
| Net operating income to assets | 0.6051% | 4,372 |
| Return on assets (ROA) | 0.6051% | 4,414 |
| Pretax return on assets | 0.6507% | 4,721 |
| Return on Equity (ROE) | 5.0443% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.0443% | 2,866 |
| Net charge-offs to loans | 0.1813% | 1,161 |
| Credit loss provision to net charge-offs | 37.7358% | 3,014 |
| Earnings coverage of net charge-offs (x) | 8.7175% | 2,746 |
| Efficiency ratio | 73.1863% | 2,012 |
| Assets per employee ($millions) | 11.6296% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 428 |
| Loan loss allowance to noncurrent loans | 125.2322% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 3,306 |
| Noncurrent loans to loans | 1.7361% | 1,038 |
| Net loans and leases to total assets | 24.0771% | 5,602 |
| Net loans and leases to deposits | 26.0096% | 5,627 |
| Net loans and leases to core deposits | 26.6695% | 5,627 |
| Total domestic deposits to total assets | 92.5700% | 37 |
| Equity capital to assets | 7.3625% | 5,631 |
| Core capital (leverage) ratio | 15.5584% | 569 |
| Tier 1 risk-based capital ratio | 30.5491% | 455 |
| Total risk-based capital ratio | 31.8122% | 450 |
| Memoranda: | ||
| Average total assets | $90,560,500 | 4,459 |
| Average earning assets | $87,857,500 | 4,378 |
| Average equity | $10,863,500 | 4,367 |
| Average total loans | $38,980,750 | 4,809 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 5,081 |
| Cost of funding earning assets | 0.3036% | 4,046 |
| Net interest margin | 3.0123% | 4,880 |
| Noninterest income to average assets | 0.4236% | 3,538 |
| Noninterest expense to average assets | 2.3482% | 4,215 |
| Loan and lease loss provision to assets | 0.0569% | 2,836 |
| Net operating income to assets | 0.8671% | 3,089 |
| Return on assets (ROA) | 0.8671% | 3,143 |
| Pretax return on assets | 0.9239% | 3,849 |
| Return on Equity (ROE) | 5.6616% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.6616% | 2,317 |
| Net charge-offs to loans | 0.3386% | 594 |
| Credit loss provision to net charge-offs | 29.8507% | 2,725 |
| Earnings coverage of net charge-offs (x) | 5.1493% | 2,854 |
| Efficiency ratio | 70.5380% | 2,577 |
| Assets per employee ($millions) | 5.2281% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 585 |
| Loan loss allowance to noncurrent loans | 129.4788% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 1,673 |
| Noncurrent loans to loans | 1.5575% | 1,201 |
| Net loans and leases to total assets | 56.8322% | 4,141 |
| Net loans and leases to deposits | 69.0440% | 3,984 |
| Net loans and leases to core deposits | 73.5958% | 3,972 |
| Total domestic deposits to total assets | 82.3130% | 3,804 |
| Equity capital to assets | 16.2260% | 507 |
| Core capital (leverage) ratio | 15.7368% | 514 |
| Tier 1 risk-based capital ratio | 28.5404% | 523 |
| Total risk-based capital ratio | 29.8016% | 510 |
| Memoranda: | ||
| Average total assets | $70,352,330 | 4,857 |
| Average earning assets | $67,854,670 | 4,789 |
| Average equity | $10,774,330 | 4,396 |
| Average total loans | $39,571,000 | 4,822 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 4,957 |
| Cost of funding earning assets | 0.3015% | 4,027 |
| Net interest margin | 3.0847% | 4,699 |
| Noninterest income to average assets | 0.3858% | 3,767 |
| Noninterest expense to average assets | 2.3817% | 4,174 |
| Loan and lease loss provision to assets | 0.1118% | 1,718 |
| Net operating income to assets | 0.8051% | 3,200 |
| Return on assets (ROA) | 0.8051% | 3,261 |
| Pretax return on assets | 0.8666% | 3,880 |
| Return on Equity (ROE) | 5.4097% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.4097% | 2,661 |
| Net charge-offs to loans | 0.7668% | 222 |
| Credit loss provision to net charge-offs | 26.3158% | 2,137 |
| Earnings coverage of net charge-offs (x) | 2.3026% | 2,612 |
| Efficiency ratio | 70.8819% | 2,763 |
| Assets per employee ($millions) | 5.0328% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0411% | 620 |
| Loan loss allowance to noncurrent loans | 128.4314% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 1,751 |
| Noncurrent loans to loans | 1.5893% | 1,227 |
| Net loans and leases to total assets | 53.5375% | 4,377 |
| Net loans and leases to deposits | 65.9602% | 4,174 |
| Net loans and leases to core deposits | 70.2053% | 4,136 |
| Total domestic deposits to total assets | 81.1664% | 4,378 |
| Equity capital to assets | 15.2670% | 603 |
| Core capital (leverage) ratio | 15.0740% | 595 |
| Tier 1 risk-based capital ratio | 28.3096% | 537 |
| Total risk-based capital ratio | 29.5688% | 525 |
| Memoranda: | ||
| Average total assets | $71,546,000 | 4,882 |
| Average earning assets | $68,985,000 | 4,812 |
| Average equity | $10,647,500 | 4,445 |
| Average total loans | $39,646,000 | 4,862 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2538% | 5,233 |
| Cost of funding earning assets | 0.3028% | 4,038 |
| Net interest margin | 2.9510% | 5,051 |
| Noninterest income to average assets | 0.3811% | 4,027 |
| Noninterest expense to average assets | 2.5406% | 3,871 |
| Loan and lease loss provision to assets | 0.1516% | 1,651 |
| Net operating income to assets | 0.5436% | 4,457 |
| Return on assets (ROA) | 0.5436% | 4,557 |
| Pretax return on assets | 0.5245% | 4,977 |
| Return on Equity (ROE) | 3.7640% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.7640% | 3,239 |
| Net charge-offs to loans | 0.1354% | 1,890 |
| Credit loss provision to net charge-offs | 191.3793% | 1,485 |
| Earnings coverage of net charge-offs (x) | 8.5345% | 2,861 |
| Efficiency ratio | 78.9809% | 1,557 |
| Assets per employee ($millions) | 5.1881% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 583 |
| Loan loss allowance to noncurrent loans | 64.0791% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.8091% | 811 |
| Noncurrent loans to loans | 3.2219% | 393 |
| Net loans and leases to total assets | 54.9915% | 4,349 |
| Net loans and leases to deposits | 64.3852% | 4,375 |
| Net loans and leases to core deposits | 69.5478% | 4,278 |
| Total domestic deposits to total assets | 85.4102% | 2,873 |
| Equity capital to assets | 14.5086% | 731 |
| Core capital (leverage) ratio | 14.9201% | 613 |
| Tier 1 risk-based capital ratio | 26.3235% | 669 |
| Total risk-based capital ratio | 27.5838% | 651 |
| Memoranda: | ||
| Average total assets | $73,210,600 | 4,862 |
| Average earning assets | $70,349,000 | 4,795 |
| Average equity | $10,573,800 | 4,484 |
| Average total loans | $42,840,200 | 4,788 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2879% | 5,230 |
| Cost of funding earning assets | 0.3049% | 4,043 |
| Net interest margin | 2.9830% | 5,048 |
| Noninterest income to average assets | 0.3817% | 4,056 |
| Noninterest expense to average assets | 2.6773% | 3,407 |
| Loan and lease loss provision to assets | 0.1472% | 1,593 |
| Net operating income to assets | 0.4562% | 4,846 |
| Return on assets (ROA) | 0.4562% | 4,931 |
| Pretax return on assets | 0.4199% | 5,269 |
| Return on Equity (ROE) | 3.1623% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.1623% | 4,021 |
| Net charge-offs to loans | 0.1845% | 1,269 |
| Credit loss provision to net charge-offs | 135.0000% | 1,924 |
| Earnings coverage of net charge-offs (x) | 5.1999% | 3,160 |
| Efficiency ratio | 82.5210% | 1,129 |
| Assets per employee ($millions) | 4.3880% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 842 |
| Loan loss allowance to noncurrent loans | 79.3340% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 1,253 |
| Noncurrent loans to loans | 2.4022% | 751 |
| Net loans and leases to total assets | 59.3835% | 3,958 |
| Net loans and leases to deposits | 70.2749% | 3,966 |
| Net loans and leases to core deposits | 76.5637% | 3,783 |
| Total domestic deposits to total assets | 84.5018% | 3,031 |
| Equity capital to assets | 15.3059% | 671 |
| Core capital (leverage) ratio | 14.7276% | 681 |
| Tier 1 risk-based capital ratio | 25.8708% | 726 |
| Total risk-based capital ratio | 27.1290% | 707 |
| Memoranda: | ||
| Average total assets | $73,355,000 | 4,899 |
| Average earning assets | $70,397,500 | 4,836 |
| Average equity | $10,582,750 | 4,523 |
| Average total loans | $43,354,250 | 4,807 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3310% | 5,224 |
| Cost of funding earning assets | 0.2998% | 4,132 |
| Net interest margin | 3.0312% | 5,013 |
| Noninterest income to average assets | 0.3683% | 4,116 |
| Noninterest expense to average assets | 2.6800% | 3,450 |
| Loan and lease loss provision to assets | 0.1371% | 1,654 |
| Net operating income to assets | 0.5295% | 4,562 |
| Return on assets (ROA) | 0.5295% | 4,683 |
| Pretax return on assets | 0.4597% | 5,223 |
| Return on Equity (ROE) | 3.7423% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.7423% | 3,515 |
| Net charge-offs to loans | 0.2154% | 1,088 |
| Credit loss provision to net charge-offs | 108.5106% | 1,981 |
| Earnings coverage of net charge-offs (x) | 4.7234% | 2,949 |
| Efficiency ratio | 81.7884% | 1,294 |
| Assets per employee ($millions) | 4.4022% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8572% | 968 |
| Loan loss allowance to noncurrent loans | 143.9201% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.0369% | 2,055 |
| Noncurrent loans to loans | 1.2904% | 1,749 |
| Net loans and leases to total assets | 55.9964% | 4,311 |
| Net loans and leases to deposits | 65.5396% | 4,384 |
| Net loans and leases to core deposits | 70.9429% | 4,253 |
| Total domestic deposits to total assets | 85.4390% | 2,671 |
| Equity capital to assets | 14.4046% | 899 |
| Core capital (leverage) ratio | 14.0503% | 809 |
| Tier 1 risk-based capital ratio | 25.2140% | 794 |
| Total risk-based capital ratio | 26.4731% | 778 |
| Memoranda: | ||
| Average total assets | $74,404,000 | 4,924 |
| Average earning assets | $71,391,000 | 4,850 |
| Average equity | $10,528,330 | 4,561 |
| Average total loans | $43,638,330 | 4,841 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3168% | 5,287 |
| Cost of funding earning assets | 0.3087% | 4,075 |
| Net interest margin | 3.0081% | 5,103 |
| Noninterest income to average assets | 0.3720% | 4,062 |
| Noninterest expense to average assets | 2.5880% | 3,782 |
| Loan and lease loss provision to assets | 0.1132% | 1,847 |
| Net operating income to assets | 0.7225% | 3,607 |
| Return on assets (ROA) | 0.7225% | 3,718 |
| Pretax return on assets | 0.5607% | 4,923 |
| Return on Equity (ROE) | 5.1526% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.1526% | 2,847 |
| Net charge-offs to loans | 0.2902% | 733 |
| Credit loss provision to net charge-offs | 65.6250% | 1,935 |
| Earnings coverage of net charge-offs (x) | 3.9063% | 2,487 |
| Efficiency ratio | 79.3388% | 1,692 |
| Assets per employee ($millions) | 4.0510% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 1,167 |
| Loan loss allowance to noncurrent loans | 110.3546% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2754% | 1,693 |
| Noncurrent loans to loans | 1.6242% | 1,417 |
| Net loans and leases to total assets | 58.4616% | 3,990 |
| Net loans and leases to deposits | 68.4671% | 4,009 |
| Net loans and leases to core deposits | 76.2662% | 3,655 |
| Total domestic deposits to total assets | 85.3863% | 2,961 |
| Equity capital to assets | 14.4861% | 839 |
| Core capital (leverage) ratio | 14.4114% | 714 |
| Tier 1 risk-based capital ratio | 24.5975% | 857 |
| Total risk-based capital ratio | 25.8544% | 834 |
| Memoranda: | ||
| Average total assets | $74,187,500 | 4,971 |
| Average earning assets | $71,274,500 | 4,893 |
| Average equity | $10,402,500 | 4,595 |
| Average total loans | $44,108,000 | 4,863 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 4,841 |
| Cost of funding earning assets | 0.3412% | 3,782 |
| Net interest margin | 3.1900% | 4,664 |
| Noninterest income to average assets | 0.3839% | 4,157 |
| Noninterest expense to average assets | 2.5710% | 4,020 |
| Loan and lease loss provision to assets | 0.6011% | 178 |
| Net operating income to assets | 0.2185% | 5,538 |
| Return on assets (ROA) | 0.2185% | 5,600 |
| Pretax return on assets | 0.2818% | 5,556 |
| Return on Equity (ROE) | 1.6480% | 5,656 |
| Retained earnings to average equity (ytd only) | 1.6480% | 4,786 |
| Net charge-offs to loans | 1.1062% | 171 |
| Credit loss provision to net charge-offs | 85.3211% | 2,851 |
| Earnings coverage of net charge-offs (x) | 1.2532% | 4,118 |
| Efficiency ratio | 74.4386% | 2,507 |
| Assets per employee ($millions) | 4.1921% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 1,213 |
| Loan loss allowance to noncurrent loans | 79.5363% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 1,616 |
| Noncurrent loans to loans | 2.2138% | 894 |
| Net loans and leases to total assets | 58.3379% | 4,036 |
| Net loans and leases to deposits | 67.5931% | 4,163 |
| Net loans and leases to core deposits | 74.9175% | 3,856 |
| Total domestic deposits to total assets | 86.3074% | 2,486 |
| Equity capital to assets | 13.5733% | 1,101 |
| Core capital (leverage) ratio | 13.8875% | 852 |
| Tier 1 risk-based capital ratio | 23.8554% | 937 |
| Total risk-based capital ratio | 25.1133% | 926 |
| Memoranda: | ||
| Average total assets | $77,362,200 | 4,920 |
| Average earning assets | $74,451,800 | 4,846 |
| Average equity | $10,255,000 | 4,609 |
| Average total loans | $49,268,400 | 4,692 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 4,826 |
| Cost of funding earning assets | 0.3506% | 3,749 |
| Net interest margin | 3.2174% | 4,619 |
| Noninterest income to average assets | 0.3957% | 4,116 |
| Noninterest expense to average assets | 2.5745% | 3,966 |
| Loan and lease loss provision to assets | 0.3683% | 354 |
| Net operating income to assets | 0.4865% | 4,837 |
| Return on assets (ROA) | 0.4865% | 4,929 |
| Pretax return on assets | 0.5498% | 5,098 |
| Return on Equity (ROE) | 3.6913% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.6913% | 3,839 |
| Net charge-offs to loans | 0.0953% | 2,204 |
| Credit loss provision to net charge-offs | 597.2222% | 570 |
| Earnings coverage of net charge-offs (x) | 14.8885% | 2,220 |
| Efficiency ratio | 73.7126% | 2,605 |
| Assets per employee ($millions) | 4.1811% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2213% | 640 |
| Loan loss allowance to noncurrent loans | 62.4181% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.2310% | 844 |
| Noncurrent loans to loans | 3.5588% | 428 |
| Net loans and leases to total assets | 61.2963% | 3,693 |
| Net loans and leases to deposits | 74.5696% | 3,472 |
| Net loans and leases to core deposits | 83.1204% | 3,141 |
| Total domestic deposits to total assets | 82.2001% | 4,102 |
| Equity capital to assets | 13.8854% | 1,070 |
| Core capital (leverage) ratio | 13.7893% | 913 |
| Tier 1 risk-based capital ratio | 22.4832% | 1,129 |
| Total risk-based capital ratio | 23.7462% | 1,106 |
| Memoranda: | ||
| Average total assets | $77,838,500 | 4,970 |
| Average earning assets | $74,924,000 | 4,895 |
| Average equity | $10,258,250 | 4,664 |
| Average total loans | $50,383,250 | 4,699 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,678 |
| Cost of funding earning assets | 0.3639% | 3,662 |
| Net interest margin | 3.2515% | 4,494 |
| Noninterest income to average assets | 0.3965% | 4,097 |
| Noninterest expense to average assets | 2.5490% | 4,072 |
| Loan and lease loss provision to assets | 0.3558% | 367 |
| Net operating income to assets | 0.5616% | 4,512 |
| Return on assets (ROA) | 0.5616% | 4,618 |
| Pretax return on assets | 0.6252% | 4,910 |
| Return on Equity (ROE) | 4.3357% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.3357% | 3,262 |
| Net charge-offs to loans | -0.0428% | 5,483 |
| Credit loss provision to net charge-offs | -1,272.7273% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2102% | 2,976 |
| Assets per employee ($millions) | 4.3888% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1378% | 805 |
| Loan loss allowance to noncurrent loans | 77.6256% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.6633% | 1,437 |
| Noncurrent loans to loans | 2.7540% | 769 |
| Net loans and leases to total assets | 59.1066% | 3,961 |
| Net loans and leases to deposits | 68.0477% | 4,130 |
| Net loans and leases to core deposits | 75.9174% | 3,781 |
| Total domestic deposits to total assets | 86.8604% | 2,239 |
| Equity capital to assets | 12.9902% | 1,413 |
| Core capital (leverage) ratio | 13.0102% | 1,162 |
| Tier 1 risk-based capital ratio | 22.7810% | 1,109 |
| Total risk-based capital ratio | 24.0443% | 1,087 |
| Memoranda: | ||
| Average total assets | $78,698,330 | 5,003 |
| Average earning assets | $75,841,670 | 4,929 |
| Average equity | $10,194,330 | 4,699 |
| Average total loans | $51,451,330 | 4,710 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6940% | 4,383 |
| Cost of funding earning assets | 0.3699% | 3,649 |
| Net interest margin | 3.3241% | 4,114 |
| Noninterest income to average assets | 0.3819% | 4,148 |
| Noninterest expense to average assets | 2.6226% | 3,854 |
| Loan and lease loss provision to assets | 0.2292% | 760 |
| Net operating income to assets | 0.6620% | 3,998 |
| Return on assets (ROA) | 0.6620% | 4,122 |
| Pretax return on assets | 0.7333% | 4,486 |
| Return on Equity (ROE) | 5.1179% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.1179% | 2,990 |
| Net charge-offs to loans | 0.0150% | 2,866 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 516 |
| Efficiency ratio | 73.1534% | 2,964 |
| Assets per employee ($millions) | 4.1233% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 1,648 |
| Loan loss allowance to noncurrent loans | 154.3147% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 3,229 |
| Noncurrent loans to loans | 1.1258% | 2,521 |
| Net loans and leases to total assets | 65.8463% | 2,803 |
| Net loans and leases to deposits | 75.9511% | 3,061 |
| Net loans and leases to core deposits | 84.8328% | 2,678 |
| Total domestic deposits to total assets | 86.6957% | 2,552 |
| Equity capital to assets | 13.1524% | 1,328 |
| Core capital (leverage) ratio | 12.9389% | 1,175 |
| Tier 1 risk-based capital ratio | 21.0965% | 1,397 |
| Total risk-based capital ratio | 22.3547% | 1,376 |
| Memoranda: | ||
| Average total assets | $78,548,500 | 5,056 |
| Average earning assets | $75,690,500 | 4,978 |
| Average equity | $10,160,500 | 4,744 |
| Average total loans | $53,320,500 | 4,692 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 4,116 |
| Cost of funding earning assets | 0.4042% | 3,657 |
| Net interest margin | 3.4980% | 3,807 |
| Noninterest income to average assets | 0.4089% | 4,121 |
| Noninterest expense to average assets | 2.5005% | 4,547 |
| Loan and lease loss provision to assets | 0.0637% | 3,242 |
| Net operating income to assets | 1.1681% | 1,679 |
| Return on assets (ROA) | 1.1681% | 1,757 |
| Pretax return on assets | 1.1961% | 2,666 |
| Return on Equity (ROE) | 9.6200% | 2,287 |
| Retained earnings to average equity (ytd only) | 8.5709% | 807 |
| Net charge-offs to loans | 0.1288% | 2,732 |
| Credit loss provision to net charge-offs | 71.4286% | 3,034 |
| Earnings coverage of net charge-offs (x) | 14.1286% | 2,191 |
| Efficiency ratio | 66.4973% | 4,155 |
| Assets per employee ($millions) | 4.3752% | 3,229 |
| Cash dividends to net income (ytd only)* | 10.9051% | 4,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 2,070 |
| Loan loss allowance to noncurrent loans | 244.1011% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 4,306 |
| Noncurrent loans to loans | 0.6575% | 3,712 |
| Net loans and leases to total assets | 67.6461% | 2,616 |
| Net loans and leases to deposits | 77.9213% | 2,984 |
| Net loans and leases to core deposits | 86.9623% | 2,612 |
| Total domestic deposits to total assets | 86.8134% | 2,382 |
| Equity capital to assets | 12.7194% | 1,523 |
| Core capital (leverage) ratio | 12.7503% | 1,227 |
| Tier 1 risk-based capital ratio | 20.6164% | 1,490 |
| Total risk-based capital ratio | 21.8719% | 1,458 |
| Memoranda: | ||
| Average total assets | $78,505,400 | 5,101 |
| Average earning assets | $75,213,400 | 5,015 |
| Average equity | $9,532,200 | 4,852 |
| Average total loans | $54,333,600 | 4,679 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 4,146 |
| Cost of funding earning assets | 0.4118% | 3,662 |
| Net interest margin | 3.4966% | 3,851 |
| Noninterest income to average assets | 0.3943% | 4,290 |
| Noninterest expense to average assets | 2.5156% | 4,478 |
| Loan and lease loss provision to assets | 0.0340% | 3,721 |
| Net operating income to assets | 1.1881% | 1,716 |
| Return on assets (ROA) | 1.1881% | 1,793 |
| Pretax return on assets | 1.1932% | 2,801 |
| Return on Equity (ROE) | 9.9031% | 2,268 |
| Retained earnings to average equity (ytd only) | 8.4863% | 1,153 |
| Net charge-offs to loans | 0.0024% | 4,628 |
| Credit loss provision to net charge-offs | 2,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 723.7895% | 102 |
| Efficiency ratio | 67.2116% | 4,007 |
| Assets per employee ($millions) | 4.2025% | 3,482 |
| Cash dividends to net income (ytd only)* | 14.3061% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 2,104 |
| Loan loss allowance to noncurrent loans | 488.1720% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 5,283 |
| Noncurrent loans to loans | 0.3398% | 4,880 |
| Net loans and leases to total assets | 67.4214% | 2,622 |
| Net loans and leases to deposits | 80.9802% | 2,552 |
| Net loans and leases to core deposits | 89.5487% | 2,268 |
| Total domestic deposits to total assets | 83.2567% | 4,047 |
| Equity capital to assets | 12.2409% | 1,878 |
| Core capital (leverage) ratio | 12.4516% | 1,430 |
| Tier 1 risk-based capital ratio | 19.6245% | 1,752 |
| Total risk-based capital ratio | 20.8814% | 1,719 |
| Memoranda: | ||
| Average total assets | $78,443,250 | 5,160 |
| Average earning assets | $75,119,500 | 5,066 |
| Average equity | $9,411,000 | 4,919 |
| Average total loans | $54,381,250 | 4,717 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 4,277 |
| Cost of funding earning assets | 0.4233% | 3,617 |
| Net interest margin | 3.4430% | 4,008 |
| Noninterest income to average assets | 0.3155% | 4,887 |
| Noninterest expense to average assets | 2.5470% | 4,429 |
| Loan and lease loss provision to assets | 0.0513% | 3,278 |
| Net operating income to assets | 1.0337% | 2,189 |
| Return on assets (ROA) | 1.0337% | 2,254 |
| Pretax return on assets | 1.0131% | 3,431 |
| Return on Equity (ROE) | 8.6760% | 2,741 |
| Retained earnings to average equity (ytd only) | 6.5231% | 2,020 |
| Net charge-offs to loans | 0.0037% | 4,259 |
| Credit loss provision to net charge-offs | 2,000.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 415.0000% | 169 |
| Efficiency ratio | 70.5256% | 3,568 |
| Assets per employee ($millions) | 4.1994% | 3,462 |
| Cash dividends to net income (ytd only)* | 24.8139% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 2,247 |
| Loan loss allowance to noncurrent loans | 207.3059% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 3,383 |
| Noncurrent loans to loans | 0.8036% | 3,697 |
| Net loans and leases to total assets | 67.1768% | 2,553 |
| Net loans and leases to deposits | 76.4052% | 3,001 |
| Net loans and leases to core deposits | 85.9592% | 2,519 |
| Total domestic deposits to total assets | 87.9217% | 1,948 |
| Equity capital to assets | 11.9166% | 2,052 |
| Core capital (leverage) ratio | 11.9204% | 1,707 |
| Tier 1 risk-based capital ratio | 19.0605% | 1,907 |
| Total risk-based capital ratio | 20.3170% | 1,867 |
| Memoranda: | ||
| Average total assets | $77,975,330 | 5,208 |
| Average earning assets | $74,645,000 | 5,118 |
| Average equity | $9,290,000 | 4,962 |
| Average total loans | $54,261,000 | 4,740 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8564% | 4,264 |
| Cost of funding earning assets | 0.4393% | 3,538 |
| Net interest margin | 3.4171% | 4,040 |
| Noninterest income to average assets | 0.2958% | 4,999 |
| Noninterest expense to average assets | 2.5743% | 4,361 |
| Loan and lease loss provision to assets | 0.1038% | 2,189 |
| Net operating income to assets | 0.9706% | 2,321 |
| Return on assets (ROA) | 0.9706% | 2,387 |
| Pretax return on assets | 0.8875% | 3,750 |
| Return on Equity (ROE) | 8.1473% | 2,867 |
| Retained earnings to average equity (ytd only) | 3.7904% | 3,853 |
| Net charge-offs to loans | 0.0074% | 3,498 |
| Credit loss provision to net charge-offs | 2,000.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 255 |
| Efficiency ratio | 72.1980% | 3,452 |
| Assets per employee ($millions) | 4.1401% | 3,642 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 2,504 |
| Loan loss allowance to noncurrent loans | 493.4783% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 4,471 |
| Noncurrent loans to loans | 0.3347% | 5,109 |
| Net loans and leases to total assets | 68.7270% | 2,105 |
| Net loans and leases to deposits | 78.0228% | 2,550 |
| Net loans and leases to core deposits | 87.9157% | 2,104 |
| Total domestic deposits to total assets | 88.0857% | 2,185 |
| Equity capital to assets | 11.7808% | 2,028 |
| Core capital (leverage) ratio | 12.0966% | 1,600 |
| Tier 1 risk-based capital ratio | 18.8114% | 2,027 |
| Total risk-based capital ratio | 20.0679% | 1,981 |
| Memoranda: | ||
| Average total assets | $77,069,000 | 5,276 |
| Average earning assets | $73,747,000 | 5,185 |
| Average equity | $9,181,000 | 5,004 |
| Average total loans | $54,138,000 | 4,789 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 3,335 |
| Cost of funding earning assets | 0.4492% | 4,126 |
| Net interest margin | 3.7550% | 2,825 |
| Noninterest income to average assets | -0.0279% | 6,682 |
| Noninterest expense to average assets | 2.6548% | 4,263 |
| Loan and lease loss provision to assets | 0.3189% | 1,034 |
| Net operating income to assets | 0.5501% | 4,505 |
| Return on assets (ROA) | 0.5501% | 4,632 |
| Pretax return on assets | 0.5860% | 4,911 |
| Return on Equity (ROE) | 4.5965% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.5965% | 2,883 |
| Net charge-offs to loans | 0.1466% | 3,335 |
| Credit loss provision to net charge-offs | 292.6829% | 775 |
| Earnings coverage of net charge-offs (x) | 8.3049% | 2,693 |
| Efficiency ratio | 74.5801% | 3,034 |
| Assets per employee ($millions) | 3.7738% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 2,506 |
| Loan loss allowance to noncurrent loans | 364.3443% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 4,255 |
| Noncurrent loans to loans | 0.4577% | 4,851 |
| Net loans and leases to total assets | 69.4486% | 2,104 |
| Net loans and leases to deposits | 79.1069% | 2,574 |
| Net loans and leases to core deposits | 89.6507% | 2,063 |
| Total domestic deposits to total assets | 87.7908% | 2,312 |
| Equity capital to assets | 12.0502% | 1,771 |
| Core capital (leverage) ratio | 12.4274% | 1,394 |
| Tier 1 risk-based capital ratio | 19.4169% | 1,817 |
| Total risk-based capital ratio | 20.6739% | 1,773 |
| Memoranda: | ||
| Average total assets | $75,260,400 | 5,346 |
| Average earning assets | $71,903,800 | 5,260 |
| Average equity | $9,006,800 | 5,077 |
| Average total loans | $55,952,000 | 4,751 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 3,144 |
| Cost of funding earning assets | 0.4455% | 4,329 |
| Net interest margin | 3.8184% | 2,579 |
| Noninterest income to average assets | -0.1560% | 6,823 |
| Noninterest expense to average assets | 2.6416% | 4,239 |
| Loan and lease loss provision to assets | 0.3173% | 1,063 |
| Net operating income to assets | 0.5070% | 4,764 |
| Return on assets (ROA) | 0.5070% | 4,925 |
| Pretax return on assets | 0.5319% | 5,265 |
| Return on Equity (ROE) | 4.2441% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.2441% | 3,662 |
| Net charge-offs to loans | 0.0377% | 4,393 |
| Credit loss provision to net charge-offs | 1,118.7500% | 277 |
| Earnings coverage of net charge-offs (x) | 29.9414% | 1,236 |
| Efficiency ratio | 75.6729% | 2,777 |
| Assets per employee ($millions) | 3.9505% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,019 |
| Loan loss allowance to noncurrent loans | 170.2857% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 4,363 |
| Noncurrent loans to loans | 0.9364% | 3,943 |
| Net loans and leases to total assets | 73.5039% | 1,366 |
| Net loans and leases to deposits | 85.3105% | 1,703 |
| Net loans and leases to core deposits | 94.2644% | 1,546 |
| Total domestic deposits to total assets | 86.1604% | 3,155 |
| Equity capital to assets | 11.9664% | 1,938 |
| Core capital (leverage) ratio | 12.0931% | 1,618 |
| Tier 1 risk-based capital ratio | 18.1921% | 2,249 |
| Total risk-based capital ratio | 19.4476% | 2,215 |
| Memoranda: | ||
| Average total assets | $75,206,500 | 5,401 |
| Average earning assets | $71,826,250 | 5,308 |
| Average equity | $8,984,750 | 5,141 |
| Average total loans | $56,613,500 | 4,772 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 3,063 |
| Cost of funding earning assets | 0.4374% | 4,575 |
| Net interest margin | 3.8363% | 2,420 |
| Noninterest income to average assets | -0.3668% | 6,894 |
| Noninterest expense to average assets | 2.5912% | 4,424 |
| Loan and lease loss provision to assets | 0.3189% | 1,103 |
| Net operating income to assets | 0.3800% | 5,294 |
| Return on assets (ROA) | 0.3800% | 5,460 |
| Pretax return on assets | 0.3827% | 5,677 |
| Return on Equity (ROE) | 3.1828% | 5,554 |
| Retained earnings to average equity (ytd only) | 3.1828% | 4,290 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6925% | 2,350 |
| Assets per employee ($millions) | 4.0358% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 3,638 |
| Loan loss allowance to noncurrent loans | 162.4046% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 4,337 |
| Noncurrent loans to loans | 0.9162% | 4,096 |
| Net loans and leases to total assets | 73.4719% | 1,330 |
| Net loans and leases to deposits | 90.6019% | 1,088 |
| Net loans and leases to core deposits | 96.0057% | 1,356 |
| Total domestic deposits to total assets | 81.0931% | 5,319 |
| Equity capital to assets | 11.4944% | 2,301 |
| Core capital (leverage) ratio | 11.8352% | 1,708 |
| Tier 1 risk-based capital ratio | 17.3494% | 2,574 |
| Total risk-based capital ratio | 18.6038% | 2,546 |
| Memoranda: | ||
| Average total assets | $75,255,330 | 5,431 |
| Average earning assets | $71,787,000 | 5,340 |
| Average equity | $8,985,670 | 5,176 |
| Average total loans | $56,796,000 | 4,791 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 2,557 |
| Cost of funding earning assets | 0.4683% | 4,392 |
| Net interest margin | 3.9212% | 2,049 |
| Noninterest income to average assets | -0.4722% | 6,982 |
| Noninterest expense to average assets | 2.7152% | 3,998 |
| Loan and lease loss provision to assets | 0.3220% | 1,045 |
| Net operating income to assets | 0.3273% | 5,457 |
| Return on assets (ROA) | 0.3273% | 5,592 |
| Pretax return on assets | 0.2200% | 6,041 |
| Return on Equity (ROE) | 2.6897% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.6897% | 4,674 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3608% | 1,848 |
| Assets per employee ($millions) | 3.9358% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,113 |
| Loan loss allowance to noncurrent loans | 142.0108% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 3,477 |
| Noncurrent loans to loans | 1.0025% | 4,124 |
| Net loans and leases to total assets | 73.2415% | 1,177 |
| Net loans and leases to deposits | 86.5573% | 1,285 |
| Net loans and leases to core deposits | 90.8654% | 1,621 |
| Total domestic deposits to total assets | 84.6162% | 4,218 |
| Equity capital to assets | 12.1543% | 1,934 |
| Core capital (leverage) ratio | 11.9956% | 1,567 |
| Tier 1 risk-based capital ratio | 17.2006% | 2,676 |
| Total risk-based capital ratio | 18.4537% | 2,642 |
| Memoranda: | ||
| Average total assets | $74,542,500 | 5,501 |
| Average earning assets | $70,896,000 | 5,414 |
| Average equity | $9,071,500 | 5,209 |
| Average total loans | $56,599,000 | 4,835 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 2,750 |
| Cost of funding earning assets | 0.6052% | 4,294 |
| Net interest margin | 4.0556% | 2,166 |
| Noninterest income to average assets | 0.2629% | 5,581 |
| Noninterest expense to average assets | 2.6597% | 4,542 |
| Loan and lease loss provision to assets | 0.2390% | 2,740 |
| Net operating income to assets | 1.1684% | 1,698 |
| Return on assets (ROA) | 1.3810% | 1,245 |
| Pretax return on assets | 1.4181% | 1,973 |
| Return on Equity (ROE) | 12.0891% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.0891% | 317 |
| Net charge-offs to loans | 0.4594% | 2,397 |
| Credit loss provision to net charge-offs | 70.0389% | 4,163 |
| Earnings coverage of net charge-offs (x) | 4.2140% | 3,440 |
| Efficiency ratio | 64.9060% | 4,721 |
| Assets per employee ($millions) | 3.7153% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 4,789 |
| Loan loss allowance to noncurrent loans | 192.3684% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.4387% | 3,233 |
| Noncurrent loans to loans | 0.6593% | 4,883 |
| Net loans and leases to total assets | 76.5843% | 845 |
| Net loans and leases to deposits | 89.5762% | 1,112 |
| Net loans and leases to core deposits | 94.6477% | 1,414 |
| Total domestic deposits to total assets | 85.4963% | 3,609 |
| Equity capital to assets | 12.1849% | 1,921 |
| Core capital (leverage) ratio | 11.4836% | 1,891 |
| Tier 1 risk-based capital ratio | 17.0169% | 2,645 |
| Total risk-based capital ratio | 18.2689% | 2,608 |
| Memoranda: | ||
| Average total assets | $75,310,200 | 5,475 |
| Average earning assets | $71,210,800 | 5,388 |
| Average equity | $8,602,800 | 5,335 |
| Average total loans | $55,937,800 | 4,867 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 2,967 |
| Cost of funding earning assets | 0.6276% | 4,386 |
| Net interest margin | 4.0328% | 2,369 |
| Noninterest income to average assets | 0.3811% | 4,769 |
| Noninterest expense to average assets | 2.7068% | 4,337 |
| Loan and lease loss provision to assets | 0.2382% | 2,666 |
| Net operating income to assets | 1.2299% | 1,632 |
| Return on assets (ROA) | 1.2299% | 1,806 |
| Pretax return on assets | 1.2458% | 2,802 |
| Return on Equity (ROE) | 10.9459% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.9459% | 694 |
| Net charge-offs to loans | 0.2474% | 3,238 |
| Credit loss provision to net charge-offs | 131.0680% | 2,197 |
| Earnings coverage of net charge-offs (x) | 8.1651% | 2,492 |
| Efficiency ratio | 64.5895% | 4,701 |
| Assets per employee ($millions) | 4.5332% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 3,933 |
| Loan loss allowance to noncurrent loans | 105.5276% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.6012% | 3,195 |
| Noncurrent loans to loans | 1.4260% | 3,662 |
| Net loans and leases to total assets | 71.3411% | 1,672 |
| Net loans and leases to deposits | 81.6985% | 2,164 |
| Net loans and leases to core deposits | 88.5573% | 2,151 |
| Total domestic deposits to total assets | 87.3224% | 2,486 |
| Equity capital to assets | 11.5643% | 2,689 |
| Core capital (leverage) ratio | 11.0615% | 2,326 |
| Tier 1 risk-based capital ratio | 16.7979% | 2,841 |
| Total risk-based capital ratio | 18.0520% | 2,792 |
| Memoranda: | ||
| Average total assets | $75,561,500 | 5,530 |
| Average earning assets | $71,379,250 | 5,449 |
| Average equity | $8,490,000 | 5,416 |
| Average total loans | $55,513,000 | 4,935 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 2,906 |
| Cost of funding earning assets | 0.6426% | 4,506 |
| Net interest margin | 4.0594% | 2,249 |
| Noninterest income to average assets | 0.2185% | 6,003 |
| Noninterest expense to average assets | 2.8510% | 3,825 |
| Loan and lease loss provision to assets | 0.2398% | 2,666 |
| Net operating income to assets | 0.9779% | 2,556 |
| Return on assets (ROA) | 0.9779% | 2,791 |
| Pretax return on assets | 0.9486% | 3,892 |
| Return on Equity (ROE) | 8.7911% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.7911% | 1,345 |
| Net charge-offs to loans | 0.3609% | 2,567 |
| Credit loss provision to net charge-offs | 90.0000% | 3,049 |
| Earnings coverage of net charge-offs (x) | 4.4600% | 3,075 |
| Efficiency ratio | 70.5805% | 3,675 |
| Assets per employee ($millions) | 4.5526% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 4,278 |
| Loan loss allowance to noncurrent loans | 118.3976% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 2.0092% | 2,767 |
| Noncurrent loans to loans | 1.2180% | 4,110 |
| Net loans and leases to total assets | 70.4667% | 1,830 |
| Net loans and leases to deposits | 79.3785% | 2,466 |
| Net loans and leases to core deposits | 86.2136% | 2,402 |
| Total domestic deposits to total assets | 88.7730% | 1,658 |
| Equity capital to assets | 11.0125% | 3,102 |
| Core capital (leverage) ratio | 10.6855% | 2,616 |
| Tier 1 risk-based capital ratio | 16.5187% | 2,906 |
| Total risk-based capital ratio | 17.7732% | 2,866 |
| Memoranda: | ||
| Average total assets | $75,060,330 | 5,575 |
| Average earning assets | $70,651,000 | 5,503 |
| Average equity | $8,349,330 | 5,463 |
| Average total loans | $55,411,000 | 4,973 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 2,784 |
| Cost of funding earning assets | 0.6618% | 4,619 |
| Net interest margin | 4.1034% | 2,080 |
| Noninterest income to average assets | 0.3086% | 5,417 |
| Noninterest expense to average assets | 2.8040% | 4,013 |
| Loan and lease loss provision to assets | 0.2436% | 2,517 |
| Net operating income to assets | 1.2883% | 1,480 |
| Return on assets (ROA) | 1.2883% | 1,654 |
| Pretax return on assets | 1.1205% | 3,242 |
| Return on Equity (ROE) | 11.5219% | 1,830 |
| Retained earnings to average equity (ytd only) | 11.5219% | 916 |
| Net charge-offs to loans | 0.7214% | 1,396 |
| Credit loss provision to net charge-offs | 45.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | 2.5200% | 3,159 |
| Efficiency ratio | 67.2727% | 4,307 |
| Assets per employee ($millions) | 4.5833% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 4,746 |
| Loan loss allowance to noncurrent loans | 126.1307% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 2.0317% | 2,853 |
| Noncurrent loans to loans | 1.0823% | 4,530 |
| Net loans and leases to total assets | 69.8290% | 1,781 |
| Net loans and leases to deposits | 78.3491% | 2,440 |
| Net loans and leases to core deposits | 84.6699% | 2,455 |
| Total domestic deposits to total assets | 89.1255% | 1,622 |
| Equity capital to assets | 10.7590% | 3,196 |
| Core capital (leverage) ratio | 11.3263% | 2,016 |
| Tier 1 risk-based capital ratio | 16.1126% | 3,116 |
| Total risk-based capital ratio | 17.3657% | 3,081 |
| Memoranda: | ||
| Average total assets | $73,893,500 | 5,652 |
| Average earning assets | $69,503,000 | 5,578 |
| Average equity | $8,262,500 | 5,511 |
| Average total loans | $55,449,000 | 4,999 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 2,132 |
| Cost of funding earning assets | 0.8355% | 4,582 |
| Net interest margin | 4.3490% | 1,543 |
| Noninterest income to average assets | 0.3707% | 4,856 |
| Noninterest expense to average assets | 2.5657% | 5,222 |
| Loan and lease loss provision to assets | 0.2658% | 3,563 |
| Net operating income to assets | 1.5434% | 751 |
| Return on assets (ROA) | 1.5434% | 817 |
| Pretax return on assets | 1.6983% | 993 |
| Return on Equity (ROE) | 13.3889% | 1,065 |
| Retained earnings to average equity (ytd only) | 13.3889% | 199 |
| Net charge-offs to loans | 0.3820% | 3,499 |
| Credit loss provision to net charge-offs | 87.5000% | 4,126 |
| Earnings coverage of net charge-offs (x) | 6.4650% | 2,510 |
| Efficiency ratio | 56.6398% | 6,236 |
| Assets per employee ($millions) | 3.8817% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 4,237 |
| Loan loss allowance to noncurrent loans | 64.0254% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.6148% | 2,325 |
| Noncurrent loans to loans | 2.2642% | 2,883 |
| Net loans and leases to total assets | 78.6149% | 645 |
| Net loans and leases to deposits | 89.2081% | 1,244 |
| Net loans and leases to core deposits | 99.2430% | 1,241 |
| Total domestic deposits to total assets | 88.1253% | 2,077 |
| Equity capital to assets | 11.6529% | 2,382 |
| Core capital (leverage) ratio | 11.4906% | 1,898 |
| Tier 1 risk-based capital ratio | 15.6388% | 3,245 |
| Total risk-based capital ratio | 16.8937% | 3,200 |
| Memoranda: | ||
| Average total assets | $65,829,800 | 5,870 |
| Average earning assets | $62,956,400 | 5,771 |
| Average equity | $7,588,400 | 5,690 |
| Average total loans | $52,349,800 | 5,177 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 2,134 |
| Cost of funding earning assets | 0.8413% | 4,838 |
| Net interest margin | 4.3783% | 1,467 |
| Noninterest income to average assets | 0.3764% | 4,857 |
| Noninterest expense to average assets | 2.5527% | 5,267 |
| Loan and lease loss provision to assets | 0.2674% | 3,369 |
| Net operating income to assets | 1.5838% | 793 |
| Return on assets (ROA) | 1.5838% | 869 |
| Pretax return on assets | 1.7525% | 1,036 |
| Return on Equity (ROE) | 13.7804% | 1,088 |
| Retained earnings to average equity (ytd only) | 13.7804% | 308 |
| Net charge-offs to loans | 0.4686% | 2,862 |
| Credit loss provision to net charge-offs | 71.8232% | 4,421 |
| Earnings coverage of net charge-offs (x) | 5.4254% | 2,792 |
| Efficiency ratio | 55.8255% | 6,306 |
| Assets per employee ($millions) | 3.9896% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 4,123 |
| Loan loss allowance to noncurrent loans | 126.1290% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.8858% | 3,287 |
| Noncurrent loans to loans | 1.1854% | 4,560 |
| Net loans and leases to total assets | 75.9598% | 984 |
| Net loans and leases to deposits | 86.2618% | 1,653 |
| Net loans and leases to core deposits | 97.2479% | 1,491 |
| Total domestic deposits to total assets | 88.0573% | 2,007 |
| Equity capital to assets | 11.6788% | 2,518 |
| Core capital (leverage) ratio | 11.5766% | 1,973 |
| Tier 1 risk-based capital ratio | 16.2638% | 2,985 |
| Total risk-based capital ratio | 17.5194% | 2,949 |
| Memoranda: | ||
| Average total assets | $64,819,500 | 5,944 |
| Average earning assets | $62,123,000 | 5,836 |
| Average equity | $7,450,000 | 5,765 |
| Average total loans | $51,503,000 | 5,253 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 2,075 |
| Cost of funding earning assets | 0.8495% | 5,065 |
| Net interest margin | 4.3974% | 1,376 |
| Noninterest income to average assets | 0.3385% | 5,177 |
| Noninterest expense to average assets | 2.4194% | 5,786 |
| Loan and lease loss provision to assets | 0.2664% | 3,272 |
| Net operating income to assets | 1.6923% | 611 |
| Return on assets (ROA) | 1.6923% | 658 |
| Pretax return on assets | 1.8866% | 729 |
| Return on Equity (ROE) | 14.8087% | 834 |
| Retained earnings to average equity (ytd only) | 14.8087% | 261 |
| Net charge-offs to loans | 0.1249% | 4,478 |
| Credit loss provision to net charge-offs | 265.6250% | 1,145 |
| Earnings coverage of net charge-offs (x) | 21.4688% | 1,151 |
| Efficiency ratio | 52.9130% | 6,724 |
| Assets per employee ($millions) | 4.9337% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 3,185 |
| Loan loss allowance to noncurrent loans | 67.4277% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 3,170 |
| Noncurrent loans to loans | 2.5823% | 2,794 |
| Net loans and leases to total assets | 77.9553% | 785 |
| Net loans and leases to deposits | 89.8875% | 1,281 |
| Net loans and leases to core deposits | 100.6198% | 1,292 |
| Total domestic deposits to total assets | 86.7255% | 2,902 |
| Equity capital to assets | 11.9524% | 2,122 |
| Core capital (leverage) ratio | 11.6859% | 1,790 |
| Tier 1 risk-based capital ratio | 16.5193% | 2,732 |
| Total risk-based capital ratio | 17.7784% | 2,685 |
| Memoranda: | ||
| Average total assets | $63,818,000 | 6,017 |
| Average earning assets | $61,445,670 | 5,913 |
| Average equity | $7,293,000 | 5,840 |
| Average total loans | $51,237,000 | 5,307 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 2,114 |
| Cost of funding earning assets | 0.8672% | 5,156 |
| Net interest margin | 4.3621% | 1,388 |
| Noninterest income to average assets | 0.3079% | 5,464 |
| Noninterest expense to average assets | 2.3689% | 5,990 |
| Loan and lease loss provision to assets | 0.2513% | 3,144 |
| Net operating income to assets | 1.6589% | 610 |
| Return on assets (ROA) | 1.6589% | 644 |
| Pretax return on assets | 1.9228% | 647 |
| Return on Equity (ROE) | 14.8596% | 841 |
| Retained earnings to average equity (ytd only) | 14.8596% | 403 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1438% | 6,843 |
| Assets per employee ($millions) | 4.2475% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 3,361 |
| Loan loss allowance to noncurrent loans | 53.2642% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.5725% | 2,659 |
| Noncurrent loans to loans | 3.1781% | 2,362 |
| Net loans and leases to total assets | 79.5740% | 557 |
| Net loans and leases to deposits | 90.0131% | 1,226 |
| Net loans and leases to core deposits | 100.5793% | 1,292 |
| Total domestic deposits to total assets | 88.4027% | 2,141 |
| Equity capital to assets | 11.3682% | 2,366 |
| Core capital (leverage) ratio | 11.2857% | 1,965 |
| Tier 1 risk-based capital ratio | 16.5570% | 2,639 |
| Total risk-based capital ratio | 17.8167% | 2,610 |
| Memoranda: | ||
| Average total assets | $63,658,000 | 6,073 |
| Average earning assets | $61,805,000 | 5,945 |
| Average equity | $7,106,500 | 5,898 |
| Average total loans | $51,413,000 | 5,348 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5663% | 2,024 |
| Cost of funding earning assets | 1.0163% | 5,607 |
| Net interest margin | 4.5500% | 1,134 |
| Noninterest income to average assets | 0.4744% | 4,354 |
| Noninterest expense to average assets | 2.2855% | 6,399 |
| Loan and lease loss provision to assets | 0.1728% | 5,491 |
| Net operating income to assets | 2.3619% | 143 |
| Return on assets (ROA) | 2.3668% | 147 |
| Pretax return on assets | 2.4431% | 199 |
| Return on Equity (ROE) | 21.1821% | 195 |
| Retained earnings to average equity (ytd only) | 13.6008% | 181 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6782% | 7,327 |
| Assets per employee ($millions) | 4.5431% | 2,789 |
| Cash dividends to net income (ytd only)* | 35.7910% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 3,487 |
| Loan loss allowance to noncurrent loans | 82.8032% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.5817% | 3,933 |
| Noncurrent loans to loans | 1.9628% | 3,616 |
| Net loans and leases to total assets | 79.2746% | 761 |
| Net loans and leases to deposits | 92.7351% | 1,169 |
| Net loans and leases to core deposits | 103.3980% | 1,360 |
| Total domestic deposits to total assets | 85.4850% | 3,608 |
| Equity capital to assets | 10.9586% | 2,725 |
| Core capital (leverage) ratio | 11.0187% | 2,150 |
| Tier 1 risk-based capital ratio | 15.9553% | 2,777 |
| Total risk-based capital ratio | 17.2136% | 2,723 |
| Memoranda: | ||
| Average total assets | $59,023,800 | 6,240 |
| Average earning assets | $57,362,800 | 6,084 |
| Average equity | $6,595,200 | 6,167 |
| Average total loans | $47,161,800 | 5,592 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5560% | 2,232 |
| Cost of funding earning assets | 1.0449% | 5,717 |
| Net interest margin | 4.5111% | 1,236 |
| Noninterest income to average assets | 0.5022% | 4,171 |
| Noninterest expense to average assets | 2.2990% | 6,333 |
| Loan and lease loss provision to assets | 0.2004% | 5,047 |
| Net operating income to assets | 2.3406% | 176 |
| Return on assets (ROA) | 2.3474% | 184 |
| Pretax return on assets | 2.3957% | 273 |
| Return on Equity (ROE) | 20.8972% | 261 |
| Retained earnings to average equity (ytd only) | 10.6434% | 658 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0311% | 7,331 |
| Assets per employee ($millions) | 4.4294% | 3,027 |
| Cash dividends to net income (ytd only)* | 49.0678% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 3,314 |
| Loan loss allowance to noncurrent loans | 67.1593% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.9641% | 3,520 |
| Noncurrent loans to loans | 2.4666% | 3,160 |
| Net loans and leases to total assets | 78.3106% | 982 |
| Net loans and leases to deposits | 93.1413% | 1,314 |
| Net loans and leases to core deposits | 102.8311% | 1,576 |
| Total domestic deposits to total assets | 84.0773% | 4,080 |
| Equity capital to assets | 10.8898% | 3,068 |
| Core capital (leverage) ratio | 10.9449% | 2,299 |
| Tier 1 risk-based capital ratio | 15.6888% | 2,907 |
| Total risk-based capital ratio | 16.9474% | 2,867 |
| Memoranda: | ||
| Average total assets | $57,879,000 | 6,355 |
| Average earning assets | $56,274,250 | 6,191 |
| Average equity | $6,501,500 | 6,277 |
| Average total loans | $46,138,750 | 5,723 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 2,371 |
| Cost of funding earning assets | 1.0657% | 5,841 |
| Net interest margin | 4.4739% | 1,258 |
| Noninterest income to average assets | 0.5097% | 4,030 |
| Noninterest expense to average assets | 2.3468% | 6,232 |
| Loan and lease loss provision to assets | 0.3080% | 3,920 |
| Net operating income to assets | 2.1770% | 243 |
| Return on assets (ROA) | 2.1805% | 265 |
| Pretax return on assets | 2.2123% | 399 |
| Return on Equity (ROE) | 19.1970% | 374 |
| Retained earnings to average equity (ytd only) | 19.1970% | 100 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2533% | 7,331 |
| Assets per employee ($millions) | 4.1908% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 2,795 |
| Loan loss allowance to noncurrent loans | 137.2483% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 5,110 |
| Noncurrent loans to loans | 1.2949% | 4,792 |
| Net loans and leases to total assets | 77.0551% | 1,283 |
| Net loans and leases to deposits | 87.3638% | 2,283 |
| Net loans and leases to core deposits | 97.0213% | 2,328 |
| Total domestic deposits to total assets | 88.2003% | 1,882 |
| Equity capital to assets | 11.5611% | 2,394 |
| Core capital (leverage) ratio | 11.5302% | 1,902 |
| Tier 1 risk-based capital ratio | 16.2923% | 2,555 |
| Total risk-based capital ratio | 17.5529% | 2,503 |
| Memoranda: | ||
| Average total assets | $56,501,330 | 6,448 |
| Average earning assets | $54,985,670 | 6,283 |
| Average equity | $6,417,670 | 6,333 |
| Average total loans | $45,058,330 | 5,816 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5357% | 2,429 |
| Cost of funding earning assets | 1.0626% | 6,074 |
| Net interest margin | 4.4731% | 1,203 |
| Noninterest income to average assets | 0.5558% | 3,603 |
| Noninterest expense to average assets | 2.4325% | 5,975 |
| Loan and lease loss provision to assets | 0.3609% | 3,209 |
| Net operating income to assets | 2.0716% | 305 |
| Return on assets (ROA) | 2.0716% | 338 |
| Pretax return on assets | 2.1077% | 501 |
| Return on Equity (ROE) | 18.4122% | 484 |
| Retained earnings to average equity (ytd only) | 18.4122% | 230 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6318% | 7,339 |
| Assets per employee ($millions) | 4.3571% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 2,995 |
| Loan loss allowance to noncurrent loans | 47.8847% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 2.8795% | 2,500 |
| Noncurrent loans to loans | 3.5887% | 2,226 |
| Net loans and leases to total assets | 78.8584% | 995 |
| Net loans and leases to deposits | 92.4936% | 1,543 |
| Net loans and leases to core deposits | 104.3695% | 1,706 |
| Total domestic deposits to total assets | 85.2583% | 3,529 |
| Equity capital to assets | 11.2284% | 2,552 |
| Core capital (leverage) ratio | 11.4904% | 1,914 |
| Tier 1 risk-based capital ratio | 15.6815% | 2,791 |
| Total risk-based capital ratio | 16.9410% | 2,733 |
| Memoranda: | ||
| Average total assets | $55,416,500 | 6,555 |
| Average earning assets | $53,832,500 | 6,399 |
| Average equity | $6,235,000 | 6,436 |
| Average total loans | $44,574,000 | 5,909 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7481% | 2,869 |
| Cost of funding earning assets | 1.5458% | 5,304 |
| Net interest margin | 4.2024% | 2,048 |
| Noninterest income to average assets | 0.4323% | 4,937 |
| Noninterest expense to average assets | 2.4091% | 6,441 |
| Loan and lease loss provision to assets | 0.3675% | 4,590 |
| Net operating income to assets | 1.6360% | 501 |
| Return on assets (ROA) | 1.6378% | 529 |
| Pretax return on assets | 1.7425% | 708 |
| Return on Equity (ROE) | 15.3347% | 622 |
| Retained earnings to average equity (ytd only) | 15.3347% | 91 |
| Net charge-offs to loans | 0.0320% | 6,806 |
| Credit loss provision to net charge-offs | 1,484.6154% | 209 |
| Earnings coverage of net charge-offs (x) | 85.1538% | 321 |
| Efficiency ratio | 53.3305% | 7,290 |
| Assets per employee ($millions) | 3.8708% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 2,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 79.2918% | 1,135 |
| Net loans and leases to deposits | 93.2548% | 1,700 |
| Net loans and leases to core deposits | 116.3463% | 2,282 |
| Total domestic deposits to total assets | 85.0270% | 3,539 |
| Equity capital to assets | 11.2749% | 2,479 |
| Core capital (leverage) ratio | 10.8127% | 2,340 |
| Tier 1 risk-based capital ratio | 15.8156% | 2,600 |
| Total risk-based capital ratio | 17.0730% | 2,532 |
| Memoranda: | ||
| Average total assets | $52,510,200 | 6,616 |
| Average earning assets | $51,042,600 | 6,494 |
| Average equity | $5,608,200 | 6,737 |
| Average total loans | $40,650,000 | 6,068 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 3,367 |
| Cost of funding earning assets | 1.6630% | 5,095 |
| Net interest margin | 4.0313% | 2,676 |
| Noninterest income to average assets | 0.4454% | 4,931 |
| Noninterest expense to average assets | 2.4214% | 6,347 |
| Loan and lease loss provision to assets | 0.3020% | 4,558 |
| Net operating income to assets | 1.5436% | 739 |
| Return on assets (ROA) | 1.5460% | 795 |
| Pretax return on assets | 1.6458% | 1,082 |
| Return on Equity (ROE) | 14.6881% | 815 |
| Retained earnings to average equity (ytd only) | 14.6881% | 168 |
| Net charge-offs to loans | 0.0434% | 6,298 |
| Credit loss provision to net charge-offs | 907.6923% | 413 |
| Earnings coverage of net charge-offs (x) | 58.4714% | 557 |
| Efficiency ratio | 55.4513% | 7,072 |
| Assets per employee ($millions) | 4.2278% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 3,221 |
| 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 | 76.1817% | 1,959 |
| Net loans and leases to deposits | 94.2361% | 1,850 |
| Net loans and leases to core deposits | 114.6020% | 2,770 |
| Total domestic deposits to total assets | 80.8413% | 5,139 |
| Equity capital to assets | 10.6928% | 3,297 |
| Core capital (leverage) ratio | 10.6068% | 2,705 |
| Tier 1 risk-based capital ratio | 15.2585% | 2,926 |
| Total risk-based capital ratio | 16.5152% | 2,867 |
| Memoranda: | ||
| Average total assets | $52,090,000 | 6,682 |
| Average earning assets | $50,669,250 | 6,551 |
| Average equity | $5,482,750 | 6,854 |
| Average total loans | $39,887,500 | 6,162 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6910% | 3,594 |
| Cost of funding earning assets | 1.8581% | 4,474 |
| Net interest margin | 3.8329% | 3,403 |
| Noninterest income to average assets | 0.4576% | 4,800 |
| Noninterest expense to average assets | 2.4798% | 6,180 |
| Loan and lease loss provision to assets | 0.2621% | 4,476 |
| Net operating income to assets | 1.3458% | 1,129 |
| Return on assets (ROA) | 1.3494% | 1,196 |
| Pretax return on assets | 1.4472% | 1,597 |
| Return on Equity (ROE) | 12.8940% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.8940% | 342 |
| Net charge-offs to loans | 0.0667% | 5,568 |
| Credit loss provision to net charge-offs | 515.3846% | 897 |
| Earnings coverage of net charge-offs (x) | 33.5385% | 923 |
| Efficiency ratio | 59.2523% | 6,658 |
| Assets per employee ($millions) | 3.7747% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.9055% | 2,206 |
| Net loans and leases to deposits | 86.3927% | 3,480 |
| Net loans and leases to core deposits | 109.4518% | 3,437 |
| Total domestic deposits to total assets | 87.8610% | 1,834 |
| Equity capital to assets | 10.4530% | 3,463 |
| Core capital (leverage) ratio | 10.2120% | 3,082 |
| Tier 1 risk-based capital ratio | 13.6490% | 3,727 |
| Total risk-based capital ratio | 14.9017% | 3,651 |
| Memoranda: | ||
| Average total assets | $51,132,670 | 6,784 |
| Average earning assets | $49,728,000 | 6,639 |
| Average equity | $5,351,330 | 6,948 |
| Average total loans | $39,007,670 | 6,249 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6662% | 3,964 |
| Cost of funding earning assets | 1.9926% | 4,171 |
| Net interest margin | 3.6736% | 4,000 |
| Noninterest income to average assets | 0.4455% | 4,824 |
| Noninterest expense to average assets | 2.4823% | 5,907 |
| Loan and lease loss provision to assets | 0.2228% | 4,224 |
| Net operating income to assets | 1.2336% | 1,548 |
| Return on assets (ROA) | 1.2411% | 1,640 |
| Pretax return on assets | 1.3128% | 2,237 |
| Return on Equity (ROE) | 11.8519% | 1,711 |
| Retained earnings to average equity (ytd only) | 11.8519% | 818 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9048% | 6,062 |
| Assets per employee ($millions) | 3.8116% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 3,351 |
| Loan loss allowance to noncurrent loans | 4,453.8462% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 7,554 |
| Noncurrent loans to loans | 0.0321% | 7,459 |
| Net loans and leases to total assets | 74.8609% | 2,539 |
| Net loans and leases to deposits | 85.1116% | 3,793 |
| Net loans and leases to core deposits | 110.9297% | 3,318 |
| Total domestic deposits to total assets | 87.9561% | 1,766 |
| Equity capital to assets | 10.0257% | 3,977 |
| Core capital (leverage) ratio | 10.3060% | 3,104 |
| Tier 1 risk-based capital ratio | 14.1634% | 3,493 |
| Total risk-based capital ratio | 15.4182% | 3,420 |
| Memoranda: | ||
| Average total assets | $50,276,000 | 6,854 |
| Average earning assets | $48,780,500 | 6,717 |
| Average equity | $5,265,000 | 7,029 |
| Average total loans | $38,152,500 | 6,325 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4663% | 3,132 |
| Cost of funding earning assets | 2.1691% | 5,735 |
| Net interest margin | 4.2971% | 1,985 |
| Noninterest income to average assets | 0.4158% | 5,337 |
| Noninterest expense to average assets | 2.5605% | 5,790 |
| Loan and lease loss provision to assets | 0.0836% | 6,347 |
| Net operating income to assets | 1.7818% | 570 |
| Return on assets (ROA) | 1.8698% | 450 |
| Pretax return on assets | 2.0018% | 598 |
| Return on Equity (ROE) | 17.2884% | 601 |
| Retained earnings to average equity (ytd only) | 8.1357% | 804 |
| Net charge-offs to loans | -0.1521% | 8,139 |
| Credit loss provision to net charge-offs | -71.6981% | 7,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2591% | 6,970 |
| Assets per employee ($millions) | 3.6299% | 4,339 |
| Cash dividends to net income (ytd only)* | 52.9412% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 2,498 |
| Loan loss allowance to noncurrent loans | 2,040.7407% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 7,342 |
| Noncurrent loans to loans | 0.0755% | 7,198 |
| Net loans and leases to total assets | 74.6509% | 2,954 |
| Net loans and leases to deposits | 84.2107% | 4,395 |
| Net loans and leases to core deposits | 101.8269% | 4,635 |
| Total domestic deposits to total assets | 88.6478% | 1,186 |
| Equity capital to assets | 10.9771% | 3,058 |
| Core capital (leverage) ratio | 11.3599% | 2,331 |
| Tier 1 risk-based capital ratio | 16.0487% | 2,648 |
| Total risk-based capital ratio | 17.3035% | 2,589 |
| Memoranda: | ||
| Average total assets | $45,459,600 | 6,958 |
| Average earning assets | $43,750,200 | 6,864 |
| Average equity | $4,916,600 | 7,174 |
| Average total loans | $34,855,800 | 6,438 |