Home > Pioneer Bank of Wisconsin > Performance and Condition Ratios
Pioneer Bank of Wisconsin, 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 | 3.8361% | 4,252 |
| Cost of funding earning assets | 0.3514% | 4,066 |
| Net interest margin | 3.4847% | 3,688 |
| Noninterest income to average assets | 0.3004% | 4,171 |
| Noninterest expense to average assets | 3.1395% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3804% | 4,996 |
| Return on assets (ROA) | 0.3804% | 5,000 |
| Pretax return on assets | 0.4410% | 4,999 |
| Return on Equity (ROE) | 3.4963% | 4,928 |
| Retained earnings to average equity (ytd only) | 0.9628% | 4,768 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6828% | 484 |
| Assets per employee ($millions) | 5.5342% | 1,852 |
| Cash dividends to net income (ytd only)* | 72.4638% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,764 |
| Loan loss allowance to noncurrent loans | 366.3265% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,312 |
| Noncurrent loans to loans | 0.3259% | 3,536 |
| Net loans and leases to total assets | 41.2968% | 5,013 |
| Net loans and leases to deposits | 47.6145% | 5,040 |
| Net loans and leases to core deposits | 48.7913% | 5,066 |
| Total domestic deposits to total assets | 86.7315% | 1,953 |
| Equity capital to assets | 10.7860% | 2,847 |
| Core capital (leverage) ratio | 11.0217% | 2,506 |
| Tier 1 risk-based capital ratio | 19.8712% | 1,348 |
| Total risk-based capital ratio | 20.7674% | 1,386 |
| Memoranda: | ||
| Average total assets | $72,560,000 | 4,645 |
| Average earning assets | $68,298,330 | 4,618 |
| Average equity | $7,894,000 | 4,715 |
| Average total loans | $30,463,000 | 4,918 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,368 |
| Cost of funding earning assets | 0.3496% | 4,000 |
| Net interest margin | 3.3965% | 3,896 |
| Noninterest income to average assets | 0.2690% | 4,374 |
| Noninterest expense to average assets | 2.2836% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9606% | 3,030 |
| Return on assets (ROA) | 0.9606% | 3,046 |
| Pretax return on assets | 1.1857% | 2,819 |
| Return on Equity (ROE) | 8.7929% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.2757% | 3,046 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8228% | 3,198 |
| Assets per employee ($millions) | 5.5490% | 1,893 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,900 |
| Loan loss allowance to noncurrent loans | 355.4455% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 4,389 |
| Noncurrent loans to loans | 0.3335% | 3,574 |
| Net loans and leases to total assets | 41.4891% | 5,000 |
| Net loans and leases to deposits | 47.6949% | 5,047 |
| Net loans and leases to core deposits | 48.8740% | 5,074 |
| Total domestic deposits to total assets | 86.9886% | 2,126 |
| Equity capital to assets | 10.9250% | 2,655 |
| Core capital (leverage) ratio | 10.9688% | 2,474 |
| Tier 1 risk-based capital ratio | 20.1911% | 1,312 |
| Total risk-based capital ratio | 21.0937% | 1,343 |
| Memoranda: | ||
| Average total assets | $72,867,500 | 4,692 |
| Average earning assets | $68,658,500 | 4,667 |
| Average equity | $7,961,000 | 4,750 |
| Average total loans | $30,659,500 | 4,958 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 4,478 |
| Cost of funding earning assets | 0.3640% | 3,576 |
| Net interest margin | 3.2756% | 4,228 |
| Noninterest income to average assets | 0.3049% | 4,275 |
| Noninterest expense to average assets | 2.2981% | 4,335 |
| Loan and lease loss provision to assets | 0.0273% | 3,742 |
| Net operating income to assets | 0.8005% | 3,154 |
| Return on assets (ROA) | 0.8025% | 3,188 |
| Pretax return on assets | 1.0828% | 3,255 |
| Return on Equity (ROE) | 7.4092% | 3,073 |
| Retained earnings to average equity (ytd only) | 3.8750% | 2,884 |
| Net charge-offs to loans | -0.0096% | 4,783 |
| Credit loss provision to net charge-offs | -666.6667% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4829% | 3,001 |
| Assets per employee ($millions) | 5.2570% | 2,195 |
| Cash dividends to net income (ytd only)* | 47.7002% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,019 |
| Loan loss allowance to noncurrent loans | 81.7768% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 2,187 |
| Noncurrent loans to loans | 1.4147% | 1,212 |
| Net loans and leases to total assets | 41.6750% | 5,074 |
| Net loans and leases to deposits | 47.8510% | 5,130 |
| Net loans and leases to core deposits | 49.0046% | 5,166 |
| Total domestic deposits to total assets | 87.0934% | 1,948 |
| Equity capital to assets | 10.9256% | 2,708 |
| Core capital (leverage) ratio | 10.9944% | 2,343 |
| Tier 1 risk-based capital ratio | 20.2380% | 1,272 |
| Total risk-based capital ratio | 21.1546% | 1,307 |
| Memoranda: | ||
| Average total assets | $73,145,800 | 4,723 |
| Average earning assets | $69,238,600 | 4,678 |
| Average equity | $7,922,600 | 4,795 |
| Average total loans | $31,291,600 | 4,992 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 4,532 |
| Cost of funding earning assets | 0.3675% | 3,486 |
| Net interest margin | 3.2425% | 4,348 |
| Noninterest income to average assets | 0.2775% | 4,528 |
| Noninterest expense to average assets | 2.3258% | 4,231 |
| Loan and lease loss provision to assets | 0.0183% | 3,777 |
| Net operating income to assets | 0.7622% | 3,684 |
| Return on assets (ROA) | 0.7649% | 3,727 |
| Pretax return on assets | 1.0132% | 3,633 |
| Return on Equity (ROE) | 7.0778% | 3,616 |
| Retained earnings to average equity (ytd only) | 3.5305% | 3,806 |
| Net charge-offs to loans | -0.0128% | 4,716 |
| Credit loss provision to net charge-offs | -333.3333% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3522% | 2,641 |
| Assets per employee ($millions) | 5.2879% | 2,129 |
| Cash dividends to net income (ytd only)* | 50.1190% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,382 |
| Loan loss allowance to noncurrent loans | 70.3629% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 1,803 |
| Noncurrent loans to loans | 1.5919% | 1,156 |
| Net loans and leases to total assets | 41.6156% | 5,128 |
| Net loans and leases to deposits | 47.8794% | 5,188 |
| Net loans and leases to core deposits | 49.2274% | 5,226 |
| Total domestic deposits to total assets | 86.9175% | 1,898 |
| Equity capital to assets | 10.8645% | 3,002 |
| Core capital (leverage) ratio | 10.4775% | 3,013 |
| Tier 1 risk-based capital ratio | 19.4737% | 1,487 |
| Total risk-based capital ratio | 20.3418% | 1,518 |
| Memoranda: | ||
| Average total assets | $73,032,750 | 4,773 |
| Average earning assets | $69,286,000 | 4,731 |
| Average equity | $7,893,000 | 4,846 |
| Average total loans | $31,356,750 | 5,035 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5724% | 4,585 |
| Cost of funding earning assets | 0.3660% | 3,419 |
| Net interest margin | 3.2064% | 4,401 |
| Noninterest income to average assets | 0.2613% | 4,663 |
| Noninterest expense to average assets | 2.3246% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7593% | 3,594 |
| Return on assets (ROA) | 0.7593% | 3,644 |
| Pretax return on assets | 0.9739% | 3,669 |
| Return on Equity (ROE) | 7.0381% | 3,531 |
| Retained earnings to average equity (ytd only) | 3.4681% | 3,643 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4754% | 2,590 |
| Assets per employee ($millions) | 5.7435% | 1,658 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,816 |
| Loan loss allowance to noncurrent loans | 42.8571% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 1,445 |
| Noncurrent loans to loans | 2.4661% | 617 |
| Net loans and leases to total assets | 42.1282% | 5,137 |
| Net loans and leases to deposits | 48.4206% | 5,195 |
| Net loans and leases to core deposits | 50.0215% | 5,221 |
| Total domestic deposits to total assets | 87.0046% | 1,954 |
| Equity capital to assets | 10.7681% | 3,063 |
| Core capital (leverage) ratio | 10.7241% | 2,682 |
| Tier 1 risk-based capital ratio | 19.0556% | 1,588 |
| Total risk-based capital ratio | 19.8811% | 1,650 |
| Memoranda: | ||
| Average total assets | $72,700,330 | 4,806 |
| Average earning assets | $68,861,670 | 4,767 |
| Average equity | $7,843,000 | 4,883 |
| Average total loans | $31,423,330 | 5,066 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5184% | 4,643 |
| Cost of funding earning assets | 0.3642% | 3,370 |
| Net interest margin | 3.1542% | 4,487 |
| Noninterest income to average assets | 0.2566% | 4,698 |
| Noninterest expense to average assets | 2.4039% | 4,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6581% | 3,895 |
| Return on assets (ROA) | 0.6581% | 3,932 |
| Pretax return on assets | 0.8478% | 3,945 |
| Return on Equity (ROE) | 6.0946% | 3,866 |
| Retained earnings to average equity (ytd only) | 2.4792% | 4,151 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9280% | 2,244 |
| Assets per employee ($millions) | 5.5122% | 1,876 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,932 |
| Loan loss allowance to noncurrent loans | 23.3010% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.3947% | 503 |
| Noncurrent loans to loans | 4.5473% | 195 |
| Net loans and leases to total assets | 43.7838% | 5,050 |
| Net loans and leases to deposits | 50.3709% | 5,112 |
| Net loans and leases to core deposits | 52.1067% | 5,138 |
| Total domestic deposits to total assets | 86.9228% | 2,252 |
| Equity capital to assets | 10.8863% | 2,759 |
| Core capital (leverage) ratio | 10.5214% | 2,880 |
| Tier 1 risk-based capital ratio | 18.6062% | 1,716 |
| Total risk-based capital ratio | 19.4215% | 1,783 |
| Memoranda: | ||
| Average total assets | $71,718,000 | 4,876 |
| Average earning assets | $68,099,000 | 4,830 |
| Average equity | $7,744,500 | 4,939 |
| Average total loans | $31,239,500 | 5,116 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,255 |
| Cost of funding earning assets | 0.3731% | 3,285 |
| Net interest margin | 3.3129% | 4,102 |
| Noninterest income to average assets | 0.3039% | 4,570 |
| Noninterest expense to average assets | 2.3740% | 4,358 |
| Loan and lease loss provision to assets | 0.0285% | 3,783 |
| Net operating income to assets | 0.7714% | 3,448 |
| Return on assets (ROA) | 0.8032% | 3,392 |
| Pretax return on assets | 1.1128% | 3,053 |
| Return on Equity (ROE) | 7.1592% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.5987% | 3,363 |
| Net charge-offs to loans | 0.0260% | 3,516 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 96.1250% | 621 |
| Efficiency ratio | 68.3929% | 3,173 |
| Assets per employee ($millions) | 5.5213% | 1,849 |
| Cash dividends to net income (ytd only)* | 49.7336% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,757 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 3,059 |
| Noncurrent loans to loans | 0.4095% | 3,680 |
| Net loans and leases to total assets | 42.3980% | 5,215 |
| Net loans and leases to deposits | 48.6010% | 5,271 |
| Net loans and leases to core deposits | 50.2601% | 5,297 |
| Total domestic deposits to total assets | 87.2369% | 2,006 |
| Equity capital to assets | 10.7110% | 2,912 |
| Core capital (leverage) ratio | 9.4538% | 4,147 |
| Tier 1 risk-based capital ratio | 16.4529% | 2,367 |
| Total risk-based capital ratio | 17.2855% | 2,470 |
| Memoranda: | ||
| Average total assets | $70,092,600 | 4,930 |
| Average earning assets | $67,011,400 | 4,867 |
| Average equity | $7,864,000 | 4,955 |
| Average total loans | $30,756,200 | 5,166 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 4,219 |
| Cost of funding earning assets | 0.3701% | 3,327 |
| Net interest margin | 3.3392% | 4,061 |
| Noninterest income to average assets | 0.3177% | 4,499 |
| Noninterest expense to average assets | 2.3806% | 4,331 |
| Loan and lease loss provision to assets | 0.0383% | 3,473 |
| Net operating income to assets | 0.7993% | 3,367 |
| Return on assets (ROA) | 0.8420% | 3,303 |
| Pretax return on assets | 1.1693% | 2,972 |
| Return on Equity (ROE) | 7.4184% | 3,344 |
| Retained earnings to average equity (ytd only) | 3.8778% | 3,543 |
| Net charge-offs to loans | 0.0433% | 2,776 |
| Credit loss provision to net charge-offs | 200.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 60.0135% | 958 |
| Efficiency ratio | 67.4620% | 3,325 |
| Assets per employee ($millions) | 4.6892% | 2,763 |
| Cash dividends to net income (ytd only)* | 47.7269% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,849 |
| Loan loss allowance to noncurrent loans | 236.8794% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5900% | 3,142 |
| Noncurrent loans to loans | 0.4636% | 3,625 |
| Net loans and leases to total assets | 42.7692% | 5,263 |
| Net loans and leases to deposits | 49.7347% | 5,308 |
| Net loans and leases to core deposits | 51.5014% | 5,330 |
| Total domestic deposits to total assets | 85.9948% | 2,351 |
| Equity capital to assets | 11.5016% | 2,513 |
| Core capital (leverage) ratio | 9.4663% | 4,221 |
| Tier 1 risk-based capital ratio | 16.7138% | 2,330 |
| Total risk-based capital ratio | 17.5644% | 2,442 |
| Memoranda: | ||
| Average total assets | $69,671,500 | 4,982 |
| Average earning assets | $67,001,000 | 4,910 |
| Average equity | $7,908,000 | 5,001 |
| Average total loans | $30,753,250 | 5,217 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 4,386 |
| Cost of funding earning assets | 0.3625% | 3,426 |
| Net interest margin | 3.3076% | 4,202 |
| Noninterest income to average assets | 0.3283% | 4,432 |
| Noninterest expense to average assets | 2.3096% | 4,584 |
| Loan and lease loss provision to assets | 0.0576% | 2,987 |
| Net operating income to assets | 0.8150% | 3,241 |
| Return on assets (ROA) | 0.8150% | 3,375 |
| Pretax return on assets | 1.1404% | 3,038 |
| Return on Equity (ROE) | 7.2126% | 3,415 |
| Retained earnings to average equity (ytd only) | 3.6446% | 3,578 |
| Net charge-offs to loans | 0.0065% | 3,462 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 164 |
| Efficiency ratio | 65.8456% | 3,699 |
| Assets per employee ($millions) | 5.0134% | 2,282 |
| Cash dividends to net income (ytd only)* | 49.4700% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,982 |
| Loan loss allowance to noncurrent loans | 160.2804% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 2,814 |
| Noncurrent loans to loans | 0.6817% | 3,026 |
| Net loans and leases to total assets | 44.2375% | 5,215 |
| Net loans and leases to deposits | 53.2710% | 5,179 |
| Net loans and leases to core deposits | 54.6512% | 5,242 |
| Total domestic deposits to total assets | 83.0424% | 3,637 |
| Equity capital to assets | 11.4380% | 2,611 |
| Core capital (leverage) ratio | 9.4924% | 4,219 |
| Tier 1 risk-based capital ratio | 15.3956% | 2,903 |
| Total risk-based capital ratio | 16.2118% | 3,035 |
| Memoranda: | ||
| Average total assets | $69,449,330 | 5,037 |
| Average earning assets | $66,754,670 | 4,960 |
| Average equity | $7,847,330 | 5,053 |
| Average total loans | $30,865,330 | 5,272 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 4,354 |
| Cost of funding earning assets | 0.3619% | 3,485 |
| Net interest margin | 3.3294% | 4,111 |
| Noninterest income to average assets | 0.3300% | 4,369 |
| Noninterest expense to average assets | 2.2524% | 4,777 |
| Loan and lease loss provision to assets | 0.0579% | 2,791 |
| Net operating income to assets | 0.8743% | 2,879 |
| Return on assets (ROA) | 0.8743% | 2,993 |
| Pretax return on assets | 1.2160% | 2,640 |
| Return on Equity (ROE) | 7.7865% | 3,040 |
| Retained earnings to average equity (ytd only) | 4.1769% | 3,399 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8752% | 4,145 |
| Assets per employee ($millions) | 4.5529% | 2,976 |
| Cash dividends to net income (ytd only)* | 46.3576% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 4,088 |
| Loan loss allowance to noncurrent loans | 65.7480% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 2,848 |
| Noncurrent loans to loans | 1.6642% | 1,361 |
| Net loans and leases to total assets | 44.2080% | 5,231 |
| Net loans and leases to deposits | 51.8772% | 5,239 |
| Net loans and leases to core deposits | 53.2197% | 5,301 |
| Total domestic deposits to total assets | 85.2166% | 3,034 |
| Equity capital to assets | 11.5356% | 2,411 |
| Core capital (leverage) ratio | 9.4028% | 4,343 |
| Tier 1 risk-based capital ratio | 15.5900% | 2,866 |
| Total risk-based capital ratio | 16.4030% | 3,020 |
| Memoranda: | ||
| Average total assets | $69,080,500 | 5,092 |
| Average earning assets | $66,319,000 | 5,015 |
| Average equity | $7,757,000 | 5,099 |
| Average total loans | $30,602,000 | 5,314 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,317 |
| Cost of funding earning assets | 0.3795% | 3,377 |
| Net interest margin | 3.3387% | 4,154 |
| Noninterest income to average assets | 0.3438% | 4,457 |
| Noninterest expense to average assets | 2.3537% | 4,637 |
| Loan and lease loss provision to assets | 0.0294% | 3,786 |
| Net operating income to assets | 0.8465% | 3,132 |
| Return on assets (ROA) | 0.8668% | 3,111 |
| Pretax return on assets | 1.1945% | 2,677 |
| Return on Equity (ROE) | 7.8520% | 3,036 |
| Retained earnings to average equity (ytd only) | 4.5914% | 2,714 |
| Net charge-offs to loans | -0.0071% | 5,034 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3079% | 3,854 |
| Assets per employee ($millions) | 4.6579% | 2,798 |
| Cash dividends to net income (ytd only)* | 41.5254% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,280 |
| Loan loss allowance to noncurrent loans | 62.6692% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 2,839 |
| Noncurrent loans to loans | 1.6852% | 1,347 |
| Net loans and leases to total assets | 43.4462% | 5,311 |
| Net loans and leases to deposits | 51.4683% | 5,312 |
| Net loans and leases to core deposits | 52.2587% | 5,404 |
| Total domestic deposits to total assets | 84.4135% | 3,325 |
| Equity capital to assets | 10.9292% | 2,900 |
| Core capital (leverage) ratio | 9.8026% | 3,766 |
| Tier 1 risk-based capital ratio | 15.3777% | 3,003 |
| Total risk-based capital ratio | 16.1252% | 3,169 |
| Memoranda: | ||
| Average total assets | $68,062,600 | 5,132 |
| Average earning assets | $65,355,000 | 5,052 |
| Average equity | $7,514,000 | 5,146 |
| Average total loans | $28,033,800 | 5,441 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 4,485 |
| Cost of funding earning assets | 0.3787% | 3,455 |
| Net interest margin | 3.2997% | 4,340 |
| Noninterest income to average assets | 0.3589% | 4,370 |
| Noninterest expense to average assets | 2.2501% | 4,906 |
| Loan and lease loss provision to assets | 0.0197% | 3,882 |
| Net operating income to assets | 0.9212% | 2,852 |
| Return on assets (ROA) | 0.9485% | 2,816 |
| Pretax return on assets | 1.3055% | 2,378 |
| Return on Equity (ROE) | 8.5698% | 2,786 |
| Retained earnings to average equity (ytd only) | 5.3627% | 2,671 |
| Net charge-offs to loans | -0.0098% | 4,981 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6009% | 4,314 |
| Assets per employee ($millions) | 4.8440% | 2,499 |
| Cash dividends to net income (ytd only)* | 37.4213% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 4,409 |
| Loan loss allowance to noncurrent loans | 55.9715% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 2,805 |
| Noncurrent loans to loans | 1.8997% | 1,221 |
| Net loans and leases to total assets | 43.0828% | 5,417 |
| Net loans and leases to deposits | 51.7940% | 5,380 |
| Net loans and leases to core deposits | 52.6243% | 5,474 |
| Total domestic deposits to total assets | 83.1810% | 3,740 |
| Equity capital to assets | 11.3513% | 2,643 |
| Core capital (leverage) ratio | 9.8702% | 3,811 |
| Tier 1 risk-based capital ratio | 15.8204% | 2,885 |
| Total risk-based capital ratio | 16.5703% | 3,059 |
| Memoranda: | ||
| Average total assets | $67,611,250 | 5,202 |
| Average earning assets | $65,135,250 | 5,119 |
| Average equity | $7,483,500 | 5,215 |
| Average total loans | $27,372,500 | 5,531 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 4,768 |
| Cost of funding earning assets | 0.3844% | 3,433 |
| Net interest margin | 3.1981% | 4,669 |
| Noninterest income to average assets | 0.3642% | 4,334 |
| Noninterest expense to average assets | 2.2563% | 4,959 |
| Loan and lease loss provision to assets | 0.0296% | 3,535 |
| Net operating income to assets | 0.8045% | 3,362 |
| Return on assets (ROA) | 0.8439% | 3,259 |
| Pretax return on assets | 1.2140% | 2,717 |
| Return on Equity (ROE) | 7.6902% | 3,213 |
| Retained earnings to average equity (ytd only) | 4.4522% | 3,175 |
| Net charge-offs to loans | -0.0150% | 5,062 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5202% | 4,098 |
| Assets per employee ($millions) | 4.4563% | 3,055 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 4,274 |
| Loan loss allowance to noncurrent loans | 111.7438% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 4,230 |
| Noncurrent loans to loans | 0.9929% | 2,656 |
| Net loans and leases to total assets | 41.8685% | 5,511 |
| Net loans and leases to deposits | 48.8668% | 5,563 |
| Net loans and leases to core deposits | 49.6382% | 5,627 |
| Total domestic deposits to total assets | 85.6788% | 2,846 |
| Equity capital to assets | 11.0809% | 2,806 |
| Core capital (leverage) ratio | 9.7486% | 3,942 |
| Tier 1 risk-based capital ratio | 15.7753% | 2,967 |
| Total risk-based capital ratio | 16.5393% | 3,144 |
| Memoranda: | ||
| Average total assets | $67,543,000 | 5,263 |
| Average earning assets | $65,038,000 | 5,175 |
| Average equity | $7,412,000 | 5,278 |
| Average total loans | $26,653,000 | 5,604 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5259% | 4,894 |
| Cost of funding earning assets | 0.3802% | 3,525 |
| Net interest margin | 3.1457% | 4,798 |
| Noninterest income to average assets | 0.3535% | 4,375 |
| Noninterest expense to average assets | 2.2447% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7936% | 3,301 |
| Return on assets (ROA) | 0.8720% | 3,012 |
| Pretax return on assets | 1.2432% | 2,501 |
| Return on Equity (ROE) | 7.9844% | 2,966 |
| Retained earnings to average equity (ytd only) | 4.7475% | 3,194 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4921% | 4,067 |
| Assets per employee ($millions) | 4.5569% | 2,965 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 4,199 |
| Loan loss allowance to noncurrent loans | 107.0922% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 4,076 |
| Noncurrent loans to loans | 1.0843% | 2,591 |
| Net loans and leases to total assets | 37.6077% | 5,743 |
| Net loans and leases to deposits | 43.5179% | 5,776 |
| Net loans and leases to core deposits | 44.1820% | 5,837 |
| Total domestic deposits to total assets | 86.4190% | 2,701 |
| Equity capital to assets | 11.0749% | 2,889 |
| Core capital (leverage) ratio | 9.5043% | 4,270 |
| Tier 1 risk-based capital ratio | 16.0745% | 2,888 |
| Total risk-based capital ratio | 16.8328% | 3,047 |
| Memoranda: | ||
| Average total assets | $67,892,000 | 5,309 |
| Average earning assets | $65,231,000 | 5,226 |
| Average equity | $7,414,500 | 5,325 |
| Average total loans | $25,829,000 | 5,686 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 4,364 |
| Cost of funding earning assets | 0.4405% | 3,262 |
| Net interest margin | 3.3977% | 4,210 |
| Noninterest income to average assets | 0.3763% | 4,375 |
| Noninterest expense to average assets | 2.3503% | 4,976 |
| Loan and lease loss provision to assets | 0.0349% | 3,891 |
| Net operating income to assets | 0.8892% | 2,926 |
| Return on assets (ROA) | 0.8573% | 3,178 |
| Pretax return on assets | 1.0985% | 3,090 |
| Return on Equity (ROE) | 8.1251% | 3,064 |
| Retained earnings to average equity (ytd only) | 4.6737% | 2,840 |
| Net charge-offs to loans | 0.1346% | 2,674 |
| Credit loss provision to net charge-offs | 69.6970% | 3,088 |
| Earnings coverage of net charge-offs (x) | 23.4545% | 1,583 |
| Efficiency ratio | 66.6810% | 4,115 |
| Assets per employee ($millions) | 4.4954% | 3,047 |
| Cash dividends to net income (ytd only)* | 42.4779% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 4,136 |
| Loan loss allowance to noncurrent loans | 234.1085% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 4,962 |
| Noncurrent loans to loans | 0.5029% | 4,157 |
| Net loans and leases to total assets | 37.5910% | 5,875 |
| Net loans and leases to deposits | 43.2235% | 5,914 |
| Net loans and leases to core deposits | 43.8881% | 5,959 |
| Total domestic deposits to total assets | 86.9689% | 2,305 |
| Equity capital to assets | 10.7651% | 3,163 |
| Core capital (leverage) ratio | 10.6418% | 2,786 |
| Tier 1 risk-based capital ratio | 18.9399% | 1,868 |
| Total risk-based capital ratio | 19.7558% | 1,961 |
| Memoranda: | ||
| Average total assets | $65,907,200 | 5,397 |
| Average earning assets | $61,070,400 | 5,370 |
| Average equity | $6,953,800 | 5,426 |
| Average total loans | $24,518,000 | 5,800 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 4,225 |
| Cost of funding earning assets | 0.4492% | 3,262 |
| Net interest margin | 3.4363% | 4,086 |
| Noninterest income to average assets | 0.3703% | 4,466 |
| Noninterest expense to average assets | 2.3176% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9698% | 2,596 |
| Return on assets (ROA) | 0.9258% | 2,886 |
| Pretax return on assets | 1.1578% | 2,956 |
| Return on Equity (ROE) | 8.8208% | 2,775 |
| Retained earnings to average equity (ytd only) | 5.3313% | 2,869 |
| Net charge-offs to loans | -0.0275% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6484% | 4,266 |
| Assets per employee ($millions) | 4.2821% | 3,327 |
| Cash dividends to net income (ytd only)* | 39.5599% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 3,775 |
| Loan loss allowance to noncurrent loans | 134.8936% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 4,572 |
| Noncurrent loans to loans | 0.9456% | 3,199 |
| Net loans and leases to total assets | 38.1965% | 5,932 |
| Net loans and leases to deposits | 44.1648% | 5,963 |
| Net loans and leases to core deposits | 44.8208% | 6,004 |
| Total domestic deposits to total assets | 86.4863% | 2,592 |
| Equity capital to assets | 11.0865% | 2,871 |
| Core capital (leverage) ratio | 10.8453% | 2,641 |
| Tier 1 risk-based capital ratio | 19.6671% | 1,740 |
| Total risk-based capital ratio | 20.5629% | 1,795 |
| Memoranda: | ||
| Average total assets | $65,526,250 | 5,466 |
| Average earning assets | $60,257,250 | 5,448 |
| Average equity | $6,877,500 | 5,494 |
| Average total loans | $24,235,000 | 5,875 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 4,092 |
| Cost of funding earning assets | 0.4544% | 3,280 |
| Net interest margin | 3.4580% | 3,950 |
| Noninterest income to average assets | 0.3578% | 4,557 |
| Noninterest expense to average assets | 2.2954% | 5,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8439% | 3,108 |
| Return on assets (ROA) | 0.8884% | 2,962 |
| Pretax return on assets | 1.2644% | 2,396 |
| Return on Equity (ROE) | 8.6223% | 2,771 |
| Retained earnings to average equity (ytd only) | 5.0910% | 2,903 |
| Net charge-offs to loans | -0.0416% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6548% | 4,408 |
| Assets per employee ($millions) | 4.5791% | 2,802 |
| Cash dividends to net income (ytd only)* | 40.9556% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 3,786 |
| Loan loss allowance to noncurrent loans | 132.6360% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 4,645 |
| Noncurrent loans to loans | 0.9894% | 3,255 |
| Net loans and leases to total assets | 37.1841% | 5,997 |
| Net loans and leases to deposits | 42.9854% | 6,027 |
| Net loans and leases to core deposits | 43.6250% | 6,081 |
| Total domestic deposits to total assets | 86.5040% | 2,756 |
| Equity capital to assets | 11.0017% | 2,872 |
| Core capital (leverage) ratio | 10.5781% | 2,848 |
| Tier 1 risk-based capital ratio | 19.7086% | 1,759 |
| Total risk-based capital ratio | 20.6196% | 1,799 |
| Memoranda: | ||
| Average total assets | $65,958,000 | 5,509 |
| Average earning assets | $59,860,330 | 5,506 |
| Average equity | $6,796,330 | 5,537 |
| Average total loans | $24,029,670 | 5,928 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 4,722 |
| Cost of funding earning assets | 0.4645% | 3,271 |
| Net interest margin | 3.2717% | 4,661 |
| Noninterest income to average assets | 0.3230% | 4,783 |
| Noninterest expense to average assets | 2.2427% | 5,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7129% | 3,619 |
| Return on assets (ROA) | 0.7775% | 3,345 |
| Pretax return on assets | 1.0765% | 3,009 |
| Return on Equity (ROE) | 7.7984% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.1992% | 3,607 |
| Net charge-offs to loans | -0.0334% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4444% | 3,926 |
| Assets per employee ($millions) | 4.4320% | 3,084 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 4,084 |
| Loan loss allowance to noncurrent loans | 163.5417% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 3,022 |
| Noncurrent loans to loans | 0.8003% | 3,871 |
| Net loans and leases to total assets | 35.6167% | 6,088 |
| Net loans and leases to deposits | 40.6671% | 6,147 |
| Net loans and leases to core deposits | 41.2430% | 6,189 |
| Total domestic deposits to total assets | 87.5812% | 2,472 |
| Equity capital to assets | 10.1745% | 3,632 |
| Core capital (leverage) ratio | 10.0266% | 3,539 |
| Tier 1 risk-based capital ratio | 19.4126% | 1,855 |
| Total risk-based capital ratio | 20.3150% | 1,913 |
| Memoranda: | ||
| Average total assets | $66,883,000 | 5,536 |
| Average earning assets | $59,419,000 | 5,573 |
| Average equity | $6,668,000 | 5,600 |
| Average total loans | $23,967,000 | 5,985 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 4,520 |
| Cost of funding earning assets | 0.5040% | 3,569 |
| Net interest margin | 3.3809% | 4,359 |
| Noninterest income to average assets | 0.3498% | 4,816 |
| Noninterest expense to average assets | 2.2131% | 5,596 |
| Loan and lease loss provision to assets | 0.0226% | 4,675 |
| Net operating income to assets | 0.9085% | 2,732 |
| Return on assets (ROA) | 0.9709% | 2,531 |
| Pretax return on assets | 1.2483% | 2,372 |
| Return on Equity (ROE) | 9.5221% | 2,321 |
| Retained earnings to average equity (ytd only) | 6.2692% | 1,809 |
| Net charge-offs to loans | -0.0202% | 6,145 |
| Credit loss provision to net charge-offs | -300.0000% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0133% | 4,725 |
| Assets per employee ($millions) | 4.4857% | 2,932 |
| Cash dividends to net income (ytd only)* | 34.1615% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 4,130 |
| Loan loss allowance to noncurrent loans | 128.3951% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 3,039 |
| Noncurrent loans to loans | 1.0150% | 3,479 |
| Net loans and leases to total assets | 35.1187% | 6,242 |
| Net loans and leases to deposits | 39.8953% | 6,308 |
| Net loans and leases to core deposits | 40.4956% | 6,343 |
| Total domestic deposits to total assets | 88.0272% | 2,160 |
| Equity capital to assets | 9.7673% | 4,077 |
| Core capital (leverage) ratio | 9.9278% | 3,670 |
| Tier 1 risk-based capital ratio | 19.1352% | 1,877 |
| Total risk-based capital ratio | 20.0400% | 1,945 |
| Memoranda: | ||
| Average total assets | $66,332,200 | 5,583 |
| Average earning assets | $59,925,600 | 5,593 |
| Average equity | $6,763,200 | 5,626 |
| Average total loans | $24,766,400 | 5,996 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,556 |
| Cost of funding earning assets | 0.5117% | 3,655 |
| Net interest margin | 3.3734% | 4,388 |
| Noninterest income to average assets | 0.3449% | 4,932 |
| Noninterest expense to average assets | 2.2170% | 5,562 |
| Loan and lease loss provision to assets | 0.0303% | 4,398 |
| Net operating income to assets | 0.9409% | 2,636 |
| Return on assets (ROA) | 0.9925% | 2,498 |
| Pretax return on assets | 1.2346% | 2,562 |
| Return on Equity (ROE) | 9.6312% | 2,338 |
| Retained earnings to average equity (ytd only) | 6.4992% | 2,131 |
| Net charge-offs to loans | -0.0213% | 6,057 |
| Credit loss provision to net charge-offs | -375.0000% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8760% | 4,668 |
| Assets per employee ($millions) | 4.1335% | 3,575 |
| Cash dividends to net income (ytd only)* | 32.5208% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,632 |
| Loan loss allowance to noncurrent loans | 157.0707% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 3,388 |
| Noncurrent loans to loans | 0.7968% | 4,250 |
| Net loans and leases to total assets | 37.1008% | 6,216 |
| Net loans and leases to deposits | 42.3052% | 6,287 |
| Net loans and leases to core deposits | 42.9517% | 6,353 |
| Total domestic deposits to total assets | 87.6981% | 2,299 |
| Equity capital to assets | 9.8101% | 4,163 |
| Core capital (leverage) ratio | 9.7096% | 4,091 |
| Tier 1 risk-based capital ratio | 18.1878% | 2,251 |
| Total risk-based capital ratio | 19.0734% | 2,357 |
| Memoranda: | ||
| Average total assets | $66,093,750 | 5,648 |
| Average earning assets | $60,194,500 | 5,643 |
| Average equity | $6,811,000 | 5,689 |
| Average total loans | $24,972,500 | 6,037 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8410% | 4,685 |
| Cost of funding earning assets | 0.5132% | 3,774 |
| Net interest margin | 3.3278% | 4,458 |
| Noninterest income to average assets | 0.3450% | 4,931 |
| Noninterest expense to average assets | 2.2155% | 5,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8524% | 3,033 |
| Return on assets (ROA) | 0.9231% | 2,826 |
| Pretax return on assets | 1.2682% | 2,413 |
| Return on Equity (ROE) | 8.8167% | 2,698 |
| Retained earnings to average equity (ytd only) | 5.9260% | 2,481 |
| Net charge-offs to loans | -0.0240% | 6,032 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4155% | 4,649 |
| Assets per employee ($millions) | 4.5190% | 2,790 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 5,033 |
| Loan loss allowance to noncurrent loans | 185.5346% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 3,655 |
| Noncurrent loans to loans | 0.6422% | 4,655 |
| Net loans and leases to total assets | 36.0906% | 6,293 |
| Net loans and leases to deposits | 41.1125% | 6,363 |
| Net loans and leases to core deposits | 41.7247% | 6,415 |
| Total domestic deposits to total assets | 87.7849% | 2,394 |
| Equity capital to assets | 9.9506% | 3,973 |
| Core capital (leverage) ratio | 9.8351% | 3,746 |
| Tier 1 risk-based capital ratio | 18.6697% | 2,093 |
| Total risk-based capital ratio | 19.5213% | 2,184 |
| Memoranda: | ||
| Average total assets | $66,079,670 | 5,688 |
| Average earning assets | $60,400,670 | 5,681 |
| Average equity | $6,918,670 | 5,706 |
| Average total loans | $25,014,000 | 6,068 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8530% | 4,641 |
| Cost of funding earning assets | 0.5146% | 3,931 |
| Net interest margin | 3.3384% | 4,362 |
| Noninterest income to average assets | 0.3066% | 5,240 |
| Noninterest expense to average assets | 2.2199% | 5,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9015% | 2,650 |
| Return on assets (ROA) | 0.9015% | 2,796 |
| Pretax return on assets | 1.1897% | 2,614 |
| Return on Equity (ROE) | 8.3934% | 2,775 |
| Retained earnings to average equity (ytd only) | 5.5385% | 2,932 |
| Net charge-offs to loans | -0.0318% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1079% | 4,811 |
| Assets per employee ($millions) | 4.3822% | 3,185 |
| Cash dividends to net income (ytd only)* | 34.0136% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 5,285 |
| Loan loss allowance to noncurrent loans | 73.1343% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4498% | 3,081 |
| Noncurrent loans to loans | 1.6077% | 3,130 |
| Net loans and leases to total assets | 37.5930% | 6,174 |
| Net loans and leases to deposits | 43.3542% | 6,245 |
| Net loans and leases to core deposits | 44.0246% | 6,315 |
| Total domestic deposits to total assets | 86.7114% | 3,125 |
| Equity capital to assets | 10.7222% | 3,294 |
| Core capital (leverage) ratio | 9.7239% | 3,759 |
| Tier 1 risk-based capital ratio | 18.2449% | 2,275 |
| Total risk-based capital ratio | 19.0886% | 2,396 |
| Memoranda: | ||
| Average total assets | $65,227,000 | 5,769 |
| Average earning assets | $60,628,500 | 5,725 |
| Average equity | $7,005,500 | 5,743 |
| Average total loans | $25,141,500 | 6,114 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 4,680 |
| Cost of funding earning assets | 0.6458% | 3,952 |
| Net interest margin | 3.5279% | 4,386 |
| Noninterest income to average assets | 0.2779% | 5,476 |
| Noninterest expense to average assets | 2.1540% | 6,015 |
| Loan and lease loss provision to assets | 0.0474% | 5,236 |
| Net operating income to assets | 1.1480% | 1,776 |
| Return on assets (ROA) | 1.1480% | 1,947 |
| Pretax return on assets | 1.3375% | 2,265 |
| Return on Equity (ROE) | 10.9534% | 1,818 |
| Retained earnings to average equity (ytd only) | 7.5634% | 1,304 |
| Net charge-offs to loans | -0.0393% | 6,664 |
| Credit loss provision to net charge-offs | -333.3333% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8657% | 5,407 |
| Assets per employee ($millions) | 4.3147% | 3,315 |
| Cash dividends to net income (ytd only)* | 30.9491% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,322 |
| Loan loss allowance to noncurrent loans | 109.7744% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 3,466 |
| Noncurrent loans to loans | 1.0523% | 4,103 |
| Net loans and leases to total assets | 38.6057% | 6,260 |
| Net loans and leases to deposits | 44.5455% | 6,339 |
| Net loans and leases to core deposits | 45.2456% | 6,407 |
| Total domestic deposits to total assets | 86.6658% | 3,018 |
| Equity capital to assets | 10.7585% | 3,214 |
| Core capital (leverage) ratio | 9.7032% | 3,798 |
| Tier 1 risk-based capital ratio | 17.7258% | 2,373 |
| Total risk-based capital ratio | 18.5552% | 2,500 |
| Memoranda: | ||
| Average total assets | $63,325,400 | 5,846 |
| Average earning assets | $58,533,600 | 5,796 |
| Average equity | $6,637,200 | 5,862 |
| Average total loans | $22,880,600 | 6,300 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 5,470 |
| Cost of funding earning assets | 0.6645% | 4,070 |
| Net interest margin | 3.3526% | 5,208 |
| Noninterest income to average assets | 0.2837% | 5,514 |
| Noninterest expense to average assets | 2.1383% | 6,087 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9824% | 2,600 |
| Return on assets (ROA) | 0.9824% | 2,824 |
| Pretax return on assets | 1.2322% | 2,860 |
| Return on Equity (ROE) | 9.4368% | 2,621 |
| Retained earnings to average equity (ytd only) | 6.3861% | 2,441 |
| Net charge-offs to loans | -0.0718% | 6,789 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4422% | 4,898 |
| Assets per employee ($millions) | 4.4583% | 2,984 |
| Cash dividends to net income (ytd only)* | 32.3285% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,729 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 2.7664% | 1,901 |
| Noncurrent loans to loans | 1.3168% | 3,837 |
| Net loans and leases to total assets | 35.7149% | 6,568 |
| Net loans and leases to deposits | 40.9716% | 6,645 |
| Net loans and leases to core deposits | 41.5880% | 6,683 |
| Total domestic deposits to total assets | 87.1699% | 2,575 |
| Equity capital to assets | 10.2177% | 4,182 |
| Core capital (leverage) ratio | 9.2791% | 4,623 |
| Tier 1 risk-based capital ratio | 17.0761% | 2,703 |
| Total risk-based capital ratio | 17.8280% | 2,929 |
| Memoranda: | ||
| Average total assets | $62,976,500 | 5,916 |
| Average earning assets | $57,983,750 | 5,882 |
| Average equity | $6,555,750 | 5,947 |
| Average total loans | $22,281,250 | 6,406 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 5,392 |
| Cost of funding earning assets | 0.6851% | 4,144 |
| Net interest margin | 3.3941% | 5,110 |
| Noninterest income to average assets | 0.2951% | 5,444 |
| Noninterest expense to average assets | 2.1791% | 6,059 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9955% | 2,486 |
| Return on assets (ROA) | 0.9955% | 2,711 |
| Pretax return on assets | 1.2484% | 2,729 |
| Return on Equity (ROE) | 9.4997% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.4054% | 2,437 |
| Net charge-offs to loans | -0.1016% | 6,862 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5762% | 4,972 |
| Assets per employee ($millions) | 4.1987% | 3,458 |
| Cash dividends to net income (ytd only)* | 32.5733% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,573 |
| Loan loss allowance to noncurrent loans | 98.5075% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 2.8581% | 1,929 |
| Noncurrent loans to loans | 1.1668% | 4,204 |
| Net loans and leases to total assets | 36.0511% | 6,607 |
| Net loans and leases to deposits | 41.5629% | 6,675 |
| Net loans and leases to core deposits | 42.2309% | 6,724 |
| Total domestic deposits to total assets | 86.7386% | 2,935 |
| Equity capital to assets | 10.6034% | 3,564 |
| Core capital (leverage) ratio | 9.6652% | 3,897 |
| Tier 1 risk-based capital ratio | 17.8129% | 2,355 |
| Total risk-based capital ratio | 18.6012% | 2,494 |
| Memoranda: | ||
| Average total assets | $61,677,330 | 5,989 |
| Average earning assets | $56,923,000 | 5,947 |
| Average equity | $6,463,330 | 5,993 |
| Average total loans | $21,658,670 | 6,485 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 5,512 |
| Cost of funding earning assets | 0.7178% | 4,125 |
| Net interest margin | 3.3663% | 5,246 |
| Noninterest income to average assets | 0.2950% | 5,508 |
| Noninterest expense to average assets | 2.1171% | 6,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0160% | 2,416 |
| Return on assets (ROA) | 1.0160% | 2,607 |
| Pretax return on assets | 1.2519% | 2,717 |
| Return on Equity (ROE) | 9.7546% | 2,490 |
| Retained earnings to average equity (ytd only) | 6.6079% | 2,627 |
| Net charge-offs to loans | -0.1333% | 6,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8405% | 5,130 |
| Assets per employee ($millions) | 4.1091% | 3,776 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 5,474 |
| Loan loss allowance to noncurrent loans | 19.6821% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 4.8981% | 1,075 |
| Noncurrent loans to loans | 6.1042% | 819 |
| Net loans and leases to total assets | 34.6891% | 6,703 |
| Net loans and leases to deposits | 39.8416% | 6,744 |
| Net loans and leases to core deposits | 40.4897% | 6,801 |
| Total domestic deposits to total assets | 87.0676% | 2,923 |
| Equity capital to assets | 10.4063% | 3,612 |
| Core capital (leverage) ratio | 9.5350% | 4,005 |
| Tier 1 risk-based capital ratio | 18.1245% | 2,247 |
| Total risk-based capital ratio | 18.9281% | 2,385 |
| Memoranda: | ||
| Average total assets | $61,026,000 | 6,033 |
| Average earning assets | $55,729,500 | 6,012 |
| Average equity | $6,356,000 | 6,058 |
| Average total loans | $21,003,500 | 6,563 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 5,072 |
| Cost of funding earning assets | 0.8611% | 4,384 |
| Net interest margin | 3.6388% | 4,575 |
| Noninterest income to average assets | 0.2747% | 5,566 |
| Noninterest expense to average assets | 2.2689% | 6,119 |
| Loan and lease loss provision to assets | 0.1153% | 5,156 |
| Net operating income to assets | 1.0433% | 2,028 |
| Return on assets (ROA) | 1.0869% | 2,003 |
| Pretax return on assets | 1.3108% | 2,086 |
| Return on Equity (ROE) | 11.2322% | 1,638 |
| Retained earnings to average equity (ytd only) | 8.9542% | 817 |
| Net charge-offs to loans | 0.1953% | 4,581 |
| Credit loss provision to net charge-offs | 178.9474% | 1,461 |
| Earnings coverage of net charge-offs (x) | 21.3158% | 1,099 |
| Efficiency ratio | 62.2905% | 5,414 |
| Assets per employee ($millions) | 4.0277% | 3,791 |
| Cash dividends to net income (ytd only)* | 20.2808% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,218 |
| Loan loss allowance to noncurrent loans | 18.5893% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 5.0732% | 1,048 |
| Noncurrent loans to loans | 6.6827% | 688 |
| Net loans and leases to total assets | 33.2909% | 6,896 |
| Net loans and leases to deposits | 38.2464% | 6,941 |
| Net loans and leases to core deposits | 38.8822% | 6,973 |
| Total domestic deposits to total assets | 87.0432% | 2,738 |
| Equity capital to assets | 10.4244% | 3,617 |
| Core capital (leverage) ratio | 9.4286% | 4,145 |
| Tier 1 risk-based capital ratio | 18.7878% | 1,959 |
| Total risk-based capital ratio | 19.6280% | 2,050 |
| Memoranda: | ||
| Average total assets | $58,972,400 | 6,077 |
| Average earning assets | $54,579,000 | 6,025 |
| Average equity | $5,706,800 | 6,231 |
| Average total loans | $19,457,400 | 6,682 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 6,337 |
| Cost of funding earning assets | 0.8861% | 4,500 |
| Net interest margin | 3.2507% | 6,012 |
| Noninterest income to average assets | 0.2616% | 5,750 |
| Noninterest expense to average assets | 2.3135% | 5,992 |
| Loan and lease loss provision to assets | 0.0523% | 5,794 |
| Net operating income to assets | 0.8046% | 3,132 |
| Return on assets (ROA) | 0.8667% | 3,023 |
| Pretax return on assets | 0.9873% | 3,449 |
| Return on Equity (ROE) | 9.1382% | 2,538 |
| Retained earnings to average equity (ytd only) | 6.8595% | 2,045 |
| Net charge-offs to loans | -0.0416% | 7,017 |
| Credit loss provision to net charge-offs | -383.3333% | 6,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4782% | 3,861 |
| Assets per employee ($millions) | 3.9381% | 3,983 |
| Cash dividends to net income (ytd only)* | 24.9336% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 5,251 |
| Loan loss allowance to noncurrent loans | 22.7642% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 4.7586% | 1,234 |
| Noncurrent loans to loans | 5.4886% | 1,082 |
| Net loans and leases to total assets | 33.7165% | 6,968 |
| Net loans and leases to deposits | 38.6670% | 7,018 |
| Net loans and leases to core deposits | 39.3189% | 7,055 |
| Total domestic deposits to total assets | 87.1970% | 2,533 |
| Equity capital to assets | 10.2180% | 4,059 |
| Core capital (leverage) ratio | 8.9905% | 4,946 |
| Tier 1 risk-based capital ratio | 17.3937% | 2,488 |
| Total risk-based capital ratio | 18.2197% | 2,620 |
| Memoranda: | ||
| Average total assets | $58,611,500 | 6,129 |
| Average earning assets | $54,468,250 | 6,084 |
| Average equity | $5,559,000 | 6,314 |
| Average total loans | $19,230,250 | 6,767 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 6,454 |
| Cost of funding earning assets | 0.9203% | 4,520 |
| Net interest margin | 3.1972% | 6,168 |
| Noninterest income to average assets | 0.2600% | 5,788 |
| Noninterest expense to average assets | 2.3436% | 6,016 |
| Loan and lease loss provision to assets | 0.0787% | 5,329 |
| Net operating income to assets | 0.7372% | 3,352 |
| Return on assets (ROA) | 0.8348% | 3,038 |
| Pretax return on assets | 0.9032% | 3,601 |
| Return on Equity (ROE) | 9.0370% | 2,498 |
| Retained earnings to average equity (ytd only) | 6.8148% | 1,964 |
| Net charge-offs to loans | -0.0211% | 6,836 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7949% | 3,584 |
| Assets per employee ($millions) | 3.8830% | 4,030 |
| Cash dividends to net income (ytd only)* | 24.5902% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 5,149 |
| Loan loss allowance to noncurrent loans | 22.1429% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 4.8485% | 1,274 |
| Noncurrent loans to loans | 5.7800% | 1,060 |
| Net loans and leases to total assets | 32.8423% | 7,081 |
| Net loans and leases to deposits | 37.4586% | 7,134 |
| Net loans and leases to core deposits | 38.0957% | 7,166 |
| Total domestic deposits to total assets | 87.6762% | 2,356 |
| Equity capital to assets | 9.7691% | 4,430 |
| Core capital (leverage) ratio | 8.9368% | 4,828 |
| Tier 1 risk-based capital ratio | 17.9133% | 2,208 |
| Total risk-based capital ratio | 18.7690% | 2,300 |
| Memoranda: | ||
| Average total assets | $58,458,000 | 6,190 |
| Average earning assets | $54,110,000 | 6,144 |
| Average equity | $5,400,000 | 6,408 |
| Average total loans | $18,917,330 | 6,842 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 6,299 |
| Cost of funding earning assets | 0.9712% | 4,415 |
| Net interest margin | 3.2201% | 6,012 |
| Noninterest income to average assets | 0.2254% | 6,116 |
| Noninterest expense to average assets | 2.2881% | 6,218 |
| Loan and lease loss provision to assets | 0.1571% | 4,061 |
| Net operating income to assets | 0.6693% | 3,663 |
| Return on assets (ROA) | 0.6693% | 3,734 |
| Pretax return on assets | 0.7240% | 4,203 |
| Return on Equity (ROE) | 7.4596% | 3,171 |
| Retained earnings to average equity (ytd only) | 5.1760% | 3,073 |
| Net charge-offs to loans | 0.1070% | 3,889 |
| Credit loss provision to net charge-offs | 460.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 25.8000% | 950 |
| Efficiency ratio | 72.1983% | 3,819 |
| Assets per employee ($millions) | 3.9077% | 4,054 |
| Cash dividends to net income (ytd only)* | 30.6122% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 5,201 |
| Loan loss allowance to noncurrent loans | 21.3086% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 4.8366% | 1,315 |
| Noncurrent loans to loans | 6.0352% | 1,046 |
| Net loans and leases to total assets | 31.5602% | 7,184 |
| Net loans and leases to deposits | 35.6903% | 7,232 |
| Net loans and leases to core deposits | 36.2854% | 7,255 |
| Total domestic deposits to total assets | 88.4279% | 2,122 |
| Equity capital to assets | 9.0352% | 5,145 |
| Core capital (leverage) ratio | 8.5257% | 5,401 |
| Tier 1 risk-based capital ratio | 17.4691% | 2,306 |
| Total risk-based capital ratio | 18.3081% | 2,424 |
| Memoranda: | ||
| Average total assets | $58,564,500 | 6,238 |
| Average earning assets | $53,539,500 | 6,216 |
| Average equity | $5,255,000 | 6,468 |
| Average total loans | $18,687,500 | 6,899 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 6,660 |
| Cost of funding earning assets | 1.1731% | 4,712 |
| Net interest margin | 3.2034% | 6,265 |
| Noninterest income to average assets | 0.1440% | 6,668 |
| Noninterest expense to average assets | 2.5089% | 5,761 |
| Loan and lease loss provision to assets | 0.1598% | 5,611 |
| Net operating income to assets | 0.5372% | 3,939 |
| Return on assets (ROA) | 0.2879% | 5,136 |
| Pretax return on assets | 0.1984% | 5,494 |
| Return on Equity (ROE) | 2.8455% | 5,015 |
| Retained earnings to average equity (ytd only) | -5.8299% | 6,368 |
| Net charge-offs to loans | 1.8953% | 1,085 |
| Credit loss provision to net charge-offs | 27.0833% | 6,512 |
| Earnings coverage of net charge-offs (x) | 1.0298% | 5,085 |
| Efficiency ratio | 80.5070% | 2,344 |
| Assets per employee ($millions) | 3.9009% | 4,002 |
| Cash dividends to net income (ytd only)* | 304.8780% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,532 |
| Loan loss allowance to noncurrent loans | 20.1993% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 3,046 |
| Noncurrent loans to loans | 5.9243% | 1,060 |
| Net loans and leases to total assets | 31.4660% | 7,303 |
| Net loans and leases to deposits | 35.5362% | 7,355 |
| Net loans and leases to core deposits | 36.1282% | 7,388 |
| Total domestic deposits to total assets | 88.5463% | 1,925 |
| Equity capital to assets | 8.9107% | 5,271 |
| Core capital (leverage) ratio | 8.5038% | 5,355 |
| Tier 1 risk-based capital ratio | 17.2391% | 2,249 |
| Total risk-based capital ratio | 18.0182% | 2,403 |
| Memoranda: | ||
| Average total assets | $56,957,800 | 6,311 |
| Average earning assets | $52,850,200 | 6,258 |
| Average equity | $5,763,400 | 6,445 |
| Average total loans | $17,728,400 | 7,042 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 6,843 |
| Cost of funding earning assets | 1.2066% | 4,834 |
| Net interest margin | 3.1770% | 6,416 |
| Noninterest income to average assets | 0.0990% | 7,052 |
| Noninterest expense to average assets | 2.5691% | 5,430 |
| Loan and lease loss provision to assets | 0.1556% | 5,484 |
| Net operating income to assets | 0.4785% | 4,406 |
| Return on assets (ROA) | 0.5468% | 4,272 |
| Pretax return on assets | 0.4030% | 5,209 |
| Return on Equity (ROE) | 5.2422% | 4,174 |
| Retained earnings to average equity (ytd only) | -6.0555% | 6,636 |
| Net charge-offs to loans | 2.5673% | 648 |
| Credit loss provision to net charge-offs | 19.5846% | 6,251 |
| Earnings coverage of net charge-offs (x) | 0.6172% | 5,416 |
| Efficiency ratio | 83.9753% | 1,840 |
| Assets per employee ($millions) | 3.3363% | 5,368 |
| Cash dividends to net income (ytd only)* | 215.5142% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 6,071 |
| Loan loss allowance to noncurrent loans | 16.7091% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 2.7840% | 2,601 |
| Noncurrent loans to loans | 6.4052% | 934 |
| Net loans and leases to total assets | 32.1068% | 7,404 |
| Net loans and leases to deposits | 36.8862% | 7,450 |
| Net loans and leases to core deposits | 37.5270% | 7,473 |
| Total domestic deposits to total assets | 87.0427% | 2,504 |
| Equity capital to assets | 10.2051% | 3,877 |
| Core capital (leverage) ratio | 8.7964% | 5,019 |
| Tier 1 risk-based capital ratio | 17.3646% | 2,219 |
| Total risk-based capital ratio | 18.0481% | 2,372 |
| Memoranda: | ||
| Average total assets | $56,568,750 | 6,398 |
| Average earning assets | $52,710,000 | 6,341 |
| Average equity | $5,900,750 | 6,479 |
| Average total loans | $17,501,750 | 7,150 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 6,860 |
| Cost of funding earning assets | 1.2298% | 4,960 |
| Net interest margin | 3.1890% | 6,353 |
| Noninterest income to average assets | 0.0071% | 7,502 |
| Noninterest expense to average assets | 2.5867% | 5,373 |
| Loan and lease loss provision to assets | 0.1805% | 5,063 |
| Net operating income to assets | 0.4105% | 4,706 |
| Return on assets (ROA) | 0.4105% | 4,866 |
| Pretax return on assets | 0.1946% | 5,781 |
| Return on Equity (ROE) | 3.9068% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.9068% | 3,603 |
| Net charge-offs to loans | 2.9651% | 539 |
| Credit loss provision to net charge-offs | 20.0000% | 5,850 |
| Earnings coverage of net charge-offs (x) | 0.4157% | 5,307 |
| Efficiency ratio | 87.3357% | 1,576 |
| Assets per employee ($millions) | 3.3673% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 3,854 |
| Loan loss allowance to noncurrent loans | 20.4493% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 2.9540% | 2,421 |
| Noncurrent loans to loans | 7.3970% | 730 |
| Net loans and leases to total assets | 30.0276% | 7,535 |
| Net loans and leases to deposits | 34.5223% | 7,567 |
| Net loans and leases to core deposits | 35.1169% | 7,581 |
| Total domestic deposits to total assets | 86.9803% | 2,536 |
| Equity capital to assets | 10.4954% | 3,419 |
| Core capital (leverage) ratio | 9.5849% | 3,692 |
| Tier 1 risk-based capital ratio | 18.6608% | 1,793 |
| Total risk-based capital ratio | 19.5711% | 1,844 |
| Memoranda: | ||
| Average total assets | $56,519,330 | 6,447 |
| Average earning assets | $52,367,000 | 6,392 |
| Average equity | $5,938,330 | 6,487 |
| Average total loans | $17,200,000 | 7,212 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 7,080 |
| Cost of funding earning assets | 1.2486% | 5,119 |
| Net interest margin | 3.0871% | 6,627 |
| Noninterest income to average assets | 0.2493% | 6,157 |
| Noninterest expense to average assets | 2.6070% | 5,331 |
| Loan and lease loss provision to assets | 0.0712% | 5,924 |
| Net operating income to assets | 0.4060% | 4,811 |
| Return on assets (ROA) | 0.4060% | 4,957 |
| Pretax return on assets | 0.4416% | 5,156 |
| Return on Equity (ROE) | 3.8621% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.8621% | 3,821 |
| Net charge-offs to loans | 5.9742% | 181 |
| Credit loss provision to net charge-offs | 3.9216% | 5,098 |
| Earnings coverage of net charge-offs (x) | 0.2824% | 4,791 |
| Efficiency ratio | 83.5616% | 2,066 |
| Assets per employee ($millions) | 2.9308% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,713 |
| Loan loss allowance to noncurrent loans | 19.6664% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 2.8913% | 2,482 |
| Noncurrent loans to loans | 6.8322% | 884 |
| Net loans and leases to total assets | 29.5358% | 7,639 |
| Net loans and leases to deposits | 34.0779% | 7,660 |
| Net loans and leases to core deposits | 34.6786% | 7,675 |
| Total domestic deposits to total assets | 86.6715% | 2,804 |
| Equity capital to assets | 10.6851% | 3,052 |
| Core capital (leverage) ratio | 9.9973% | 3,165 |
| Tier 1 risk-based capital ratio | 16.5508% | 2,428 |
| Total risk-based capital ratio | 17.2081% | 2,620 |
| Memoranda: | ||
| Average total assets | $56,157,000 | 6,525 |
| Average earning assets | $52,217,000 | 6,470 |
| Average equity | $5,903,500 | 6,556 |
| Average total loans | $17,073,500 | 7,312 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 7,411 |
| Cost of funding earning assets | 1.4273% | 5,818 |
| Net interest margin | 3.0358% | 6,550 |
| Noninterest income to average assets | 0.1641% | 6,901 |
| Noninterest expense to average assets | 2.7789% | 5,053 |
| Loan and lease loss provision to assets | 0.5672% | 3,542 |
| Net operating income to assets | 0.0860% | 5,255 |
| Return on assets (ROA) | -0.1766% | 5,810 |
| Pretax return on assets | -0.6938% | 6,182 |
| Return on Equity (ROE) | -1.6990% | 5,809 |
| Retained earnings to average equity (ytd only) | -1.6990% | 5,436 |
| Net charge-offs to loans | 1.4719% | 1,704 |
| Credit loss provision to net charge-offs | 115.6364% | 4,710 |
| Earnings coverage of net charge-offs (x) | 0.5782% | 5,526 |
| Efficiency ratio | 90.7397% | 1,654 |
| Assets per employee ($millions) | 2.8315% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6837% | 1,032 |
| Loan loss allowance to noncurrent loans | 27.5235% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 4.3776% | 1,483 |
| Noncurrent loans to loans | 9.7505% | 435 |
| Net loans and leases to total assets | 30.0323% | 7,708 |
| Net loans and leases to deposits | 34.4830% | 7,753 |
| Net loans and leases to core deposits | 37.6228% | 7,794 |
| Total domestic deposits to total assets | 87.0932% | 2,446 |
| Equity capital to assets | 10.3428% | 3,347 |
| Core capital (leverage) ratio | 9.7792% | 3,353 |
| Tier 1 risk-based capital ratio | 16.0196% | 2,515 |
| Total risk-based capital ratio | 17.2636% | 2,451 |
| Memoranda: | ||
| Average total assets | $56,065,000 | 6,492 |
| Average earning assets | $53,527,200 | 6,394 |
| Average equity | $5,827,000 | 6,659 |
| Average total loans | $18,682,800 | 7,276 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 7,496 |
| Cost of funding earning assets | 1.4599% | 5,998 |
| Net interest margin | 3.0537% | 6,449 |
| Noninterest income to average assets | 0.2384% | 6,522 |
| Noninterest expense to average assets | 2.8204% | 4,813 |
| Loan and lease loss provision to assets | 0.6199% | 2,914 |
| Net operating income to assets | 0.2404% | 5,020 |
| Return on assets (ROA) | 0.3076% | 4,876 |
| Pretax return on assets | -0.1597% | 5,917 |
| Return on Equity (ROE) | 2.9556% | 4,816 |
| Retained earnings to average equity (ytd only) | 2.9556% | 3,675 |
| Net charge-offs to loans | 1.7487% | 1,156 |
| Credit loss provision to net charge-offs | 104.4177% | 4,868 |
| Earnings coverage of net charge-offs (x) | 0.5984% | 5,437 |
| Efficiency ratio | 88.8138% | 1,792 |
| Assets per employee ($millions) | 2.7680% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4645% | 1,097 |
| Loan loss allowance to noncurrent loans | 22.4626% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 4.9946% | 1,175 |
| Noncurrent loans to loans | 10.9717% | 330 |
| Net loans and leases to total assets | 31.1687% | 7,778 |
| Net loans and leases to deposits | 36.1339% | 7,818 |
| Net loans and leases to core deposits | 39.5249% | 7,858 |
| Total domestic deposits to total assets | 86.2590% | 2,564 |
| Equity capital to assets | 10.8526% | 3,162 |
| Core capital (leverage) ratio | 10.0158% | 3,261 |
| Tier 1 risk-based capital ratio | 16.9040% | 2,307 |
| Total risk-based capital ratio | 18.1507% | 2,254 |
| Memoranda: | ||
| Average total assets | $55,924,000 | 6,548 |
| Average earning assets | $53,791,000 | 6,432 |
| Average equity | $5,819,500 | 6,728 |
| Average total loans | $18,984,500 | 7,323 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 7,590 |
| Cost of funding earning assets | 1.4892% | 6,188 |
| Net interest margin | 3.0525% | 6,392 |
| Noninterest income to average assets | 0.2032% | 6,837 |
| Noninterest expense to average assets | 2.7552% | 5,155 |
| Loan and lease loss provision to assets | 0.8911% | 1,895 |
| Net operating income to assets | 0.2139% | 5,210 |
| Return on assets (ROA) | 0.2139% | 5,291 |
| Pretax return on assets | -0.5061% | 6,432 |
| Return on Equity (ROE) | 2.0845% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.0845% | 4,185 |
| Net charge-offs to loans | 2.5546% | 672 |
| Credit loss provision to net charge-offs | 100.8065% | 4,531 |
| Earnings coverage of net charge-offs (x) | 0.4355% | 5,262 |
| Efficiency ratio | 87.7412% | 2,045 |
| Assets per employee ($millions) | 2.7985% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3198% | 1,078 |
| Loan loss allowance to noncurrent loans | 18.9105% | 7,187 |
| Noncurrent assets plus other real estate owned to assets | 4.9276% | 1,092 |
| Noncurrent loans to loans | 12.2671% | 215 |
| Net loans and leases to total assets | 32.1244% | 7,840 |
| Net loans and leases to deposits | 36.8662% | 7,886 |
| Net loans and leases to core deposits | 40.2354% | 7,929 |
| Total domestic deposits to total assets | 87.1378% | 2,174 |
| Equity capital to assets | 10.2376% | 3,687 |
| Core capital (leverage) ratio | 9.7926% | 3,528 |
| Tier 1 risk-based capital ratio | 16.7103% | 2,394 |
| Total risk-based capital ratio | 17.9610% | 2,339 |
| Memoranda: | ||
| Average total assets | $56,112,000 | 6,589 |
| Average earning assets | $53,988,000 | 6,472 |
| Average equity | $5,756,670 | 6,809 |
| Average total loans | $19,415,670 | 7,366 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 7,454 |
| Cost of funding earning assets | 1.5195% | 6,346 |
| Net interest margin | 3.2159% | 5,808 |
| Noninterest income to average assets | 0.2634% | 6,346 |
| Noninterest expense to average assets | 2.7054% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4129% | 4,812 |
| Return on assets (ROA) | 0.4129% | 4,989 |
| Pretax return on assets | 0.6621% | 4,550 |
| Return on Equity (ROE) | 4.0208% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.0208% | 3,666 |
| Net charge-offs to loans | 1.1245% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.6607% | 3,899 |
| Efficiency ratio | 80.3383% | 2,770 |
| Assets per employee ($millions) | 2.7979% | 6,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 1,566 |
| Loan loss allowance to noncurrent loans | 16.8033% | 7,322 |
| Noncurrent assets plus other real estate owned to assets | 4.0084% | 1,280 |
| Noncurrent loans to loans | 11.4584% | 196 |
| Net loans and leases to total assets | 33.5901% | 7,819 |
| Net loans and leases to deposits | 38.8540% | 7,877 |
| Net loans and leases to core deposits | 42.3238% | 7,933 |
| Total domestic deposits to total assets | 86.4521% | 2,479 |
| Equity capital to assets | 10.4259% | 3,538 |
| Core capital (leverage) ratio | 9.7739% | 3,663 |
| Tier 1 risk-based capital ratio | 15.4585% | 2,871 |
| Total risk-based capital ratio | 16.4853% | 2,907 |
| Memoranda: | ||
| Average total assets | $56,183,000 | 6,627 |
| Average earning assets | $54,230,000 | 6,486 |
| Average equity | $5,770,000 | 6,852 |
| Average total loans | $19,920,000 | 7,366 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 7,299 |
| Cost of funding earning assets | 1.7869% | 7,040 |
| Net interest margin | 3.7153% | 4,400 |
| Noninterest income to average assets | 0.2841% | 6,434 |
| Noninterest expense to average assets | 2.4902% | 6,044 |
| Loan and lease loss provision to assets | 0.2875% | 4,086 |
| Net operating income to assets | 1.1013% | 2,142 |
| Return on assets (ROA) | 1.1013% | 2,057 |
| Pretax return on assets | 1.0752% | 3,118 |
| Return on Equity (ROE) | 11.0959% | 1,873 |
| Retained earnings to average equity (ytd only) | 1.2641% | 4,464 |
| Net charge-offs to loans | 0.0049% | 6,912 |
| Credit loss provision to net charge-offs | 16,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 782.0000% | 68 |
| Efficiency ratio | 64.6314% | 5,416 |
| Assets per employee ($millions) | 2.8205% | 6,514 |
| Cash dividends to net income (ytd only)* | 88.6076% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0556% | 1,137 |
| Loan loss allowance to noncurrent loans | 53.1250% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.5015% | 3,215 |
| Noncurrent loans to loans | 3.8694% | 1,280 |
| Net loans and leases to total assets | 35.8985% | 7,834 |
| Net loans and leases to deposits | 41.2886% | 7,916 |
| Net loans and leases to core deposits | 45.0811% | 7,983 |
| Total domestic deposits to total assets | 86.9453% | 1,959 |
| Equity capital to assets | 10.1154% | 3,904 |
| Core capital (leverage) ratio | 9.6593% | 3,817 |
| Tier 1 risk-based capital ratio | 14.6684% | 3,221 |
| Total risk-based capital ratio | 15.8025% | 3,193 |
| Memoranda: | ||
| Average total assets | $57,384,200 | 6,476 |
| Average earning assets | $55,123,600 | 6,366 |
| Average equity | $5,695,800 | 6,916 |
| Average total loans | $20,558,800 | 7,296 |