Home > Prairie Mountain Bank > Performance and Condition Ratios
Prairie Mountain Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1414% | 1,174 |
| Cost of funding earning assets | 0.6998% | 3,226 |
| Net interest margin | 4.4417% | 865 |
| Noninterest income to average assets | 0.8578% | 1,246 |
| Noninterest expense to average assets | 4.0263% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6987% | 4,021 |
| Return on assets (ROA) | 0.6987% | 4,078 |
| Pretax return on assets | 0.9601% | 3,713 |
| Return on Equity (ROE) | 6.5082% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.5082% | 2,116 |
| Net charge-offs to loans | -0.0165% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7462% | 860 |
| Assets per employee ($millions) | 3.5829% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,575 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.9719% | 849 |
| Net loans and leases to deposits | 91.7157% | 1,474 |
| Net loans and leases to core deposits | 103.6287% | 1,357 |
| Total domestic deposits to total assets | 87.1954% | 1,428 |
| Equity capital to assets | 10.6203% | 3,445 |
| Core capital (leverage) ratio | 10.7690% | 2,869 |
| Tier 1 risk-based capital ratio | 13.1682% | 3,753 |
| Total risk-based capital ratio | 14.4275% | 3,658 |
| Memoranda: | ||
| Average total assets | $93,880,500 | 4,135 |
| Average earning assets | $87,262,500 | 4,129 |
| Average equity | $10,079,250 | 4,275 |
| Average total loans | $72,876,250 | 3,763 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 1,365 |
| Cost of funding earning assets | 0.6851% | 3,248 |
| Net interest margin | 4.3566% | 1,021 |
| Noninterest income to average assets | 0.8092% | 1,321 |
| Noninterest expense to average assets | 3.3704% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0804% | 2,599 |
| Return on assets (ROA) | 1.0804% | 2,670 |
| Pretax return on assets | 1.4764% | 1,934 |
| Return on Equity (ROE) | 10.0256% | 2,371 |
| Retained earnings to average equity (ytd only) | 10.0256% | 747 |
| Net charge-offs to loans | -0.0254% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5382% | 2,303 |
| Assets per employee ($millions) | 3.3349% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1736% | 342 |
| Loan loss allowance to noncurrent loans | 5,803.7037% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,410 |
| Noncurrent loans to loans | 0.0375% | 4,524 |
| Net loans and leases to total assets | 75.5290% | 1,624 |
| Net loans and leases to deposits | 86.1081% | 2,248 |
| Net loans and leases to core deposits | 98.7109% | 1,828 |
| Total domestic deposits to total assets | 87.7142% | 1,237 |
| Equity capital to assets | 11.0125% | 3,038 |
| Core capital (leverage) ratio | 11.0490% | 2,549 |
| Tier 1 risk-based capital ratio | 14.3624% | 3,136 |
| Total risk-based capital ratio | 15.6241% | 3,047 |
| Memoranda: | ||
| Average total assets | $92,927,670 | 4,177 |
| Average earning assets | $86,122,330 | 4,174 |
| Average equity | $10,014,330 | 4,298 |
| Average total loans | $70,858,000 | 3,818 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 1,289 |
| Cost of funding earning assets | 0.6358% | 3,379 |
| Net interest margin | 4.3848% | 934 |
| Noninterest income to average assets | 0.6559% | 1,800 |
| Noninterest expense to average assets | 3.3958% | 1,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9579% | 3,014 |
| Return on assets (ROA) | 0.9579% | 3,056 |
| Pretax return on assets | 1.3074% | 2,426 |
| Return on Equity (ROE) | 8.9879% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.9879% | 1,324 |
| Net charge-offs to loans | -0.0513% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2018% | 2,009 |
| Assets per employee ($millions) | 3.2295% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2236% | 345 |
| Loan loss allowance to noncurrent loans | 4,896.8750% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 1,639 |
| Noncurrent loans to loans | 0.0454% | 4,558 |
| Net loans and leases to total assets | 73.5711% | 1,889 |
| Net loans and leases to deposits | 83.6648% | 2,423 |
| Net loans and leases to core deposits | 95.4243% | 1,983 |
| Total domestic deposits to total assets | 87.9355% | 1,374 |
| Equity capital to assets | 10.6743% | 3,186 |
| Core capital (leverage) ratio | 10.8850% | 2,675 |
| Tier 1 risk-based capital ratio | 14.1633% | 3,266 |
| Total risk-based capital ratio | 15.4254% | 3,179 |
| Memoranda: | ||
| Average total assets | $92,703,500 | 4,221 |
| Average earning assets | $85,568,000 | 4,229 |
| Average equity | $9,880,000 | 4,342 |
| Average total loans | $70,240,500 | 3,859 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 868 |
| Cost of funding earning assets | 0.4843% | 3,450 |
| Net interest margin | 4.6049% | 597 |
| Noninterest income to average assets | 0.8452% | 1,323 |
| Noninterest expense to average assets | 3.5535% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1473% | 2,400 |
| Return on assets (ROA) | 1.1473% | 2,396 |
| Pretax return on assets | 1.5643% | 1,576 |
| Return on Equity (ROE) | 11.1756% | 2,015 |
| Retained earnings to average equity (ytd only) | 11.1756% | 407 |
| Net charge-offs to loans | 0.0224% | 2,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 93.5333% | 771 |
| Efficiency ratio | 69.4336% | 2,302 |
| Assets per employee ($millions) | 3.1639% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 318 |
| Loan loss allowance to noncurrent loans | 4,327.7778% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.8872% | 1,573 |
| Noncurrent loans to loans | 0.0514% | 4,514 |
| Net loans and leases to total assets | 74.6065% | 1,820 |
| Net loans and leases to deposits | 85.0274% | 2,401 |
| Net loans and leases to core deposits | 93.0118% | 2,313 |
| Total domestic deposits to total assets | 87.7441% | 1,419 |
| Equity capital to assets | 10.6406% | 3,038 |
| Core capital (leverage) ratio | 10.5375% | 2,978 |
| Tier 1 risk-based capital ratio | 13.9498% | 3,315 |
| Total risk-based capital ratio | 15.2125% | 3,229 |
| Memoranda: | ||
| Average total assets | $89,686,000 | 4,275 |
| Average earning assets | $83,215,000 | 4,263 |
| Average equity | $9,207,600 | 4,435 |
| Average total loans | $66,854,800 | 3,939 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 943 |
| Cost of funding earning assets | 0.4360% | 3,621 |
| Net interest margin | 4.5647% | 644 |
| Noninterest income to average assets | 0.7970% | 1,482 |
| Noninterest expense to average assets | 3.5841% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0646% | 2,809 |
| Return on assets (ROA) | 1.0646% | 2,821 |
| Pretax return on assets | 1.4549% | 2,045 |
| Return on Equity (ROE) | 10.4679% | 2,403 |
| Retained earnings to average equity (ytd only) | 10.4679% | 774 |
| Net charge-offs to loans | -0.0706% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1276% | 2,018 |
| Assets per employee ($millions) | 2.9723% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3064% | 300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 2,372 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 76.3822% | 1,605 |
| Net loans and leases to deposits | 87.0682% | 2,255 |
| Net loans and leases to core deposits | 95.4697% | 2,166 |
| Total domestic deposits to total assets | 87.7268% | 1,376 |
| Equity capital to assets | 10.5865% | 3,058 |
| Core capital (leverage) ratio | 10.4872% | 3,097 |
| Tier 1 risk-based capital ratio | 13.5908% | 3,581 |
| Total risk-based capital ratio | 14.8536% | 3,476 |
| Memoranda: | ||
| Average total assets | $89,169,500 | 4,323 |
| Average earning assets | $82,865,500 | 4,308 |
| Average equity | $9,068,750 | 4,494 |
| Average total loans | $66,065,750 | 3,995 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 940 |
| Cost of funding earning assets | 0.3940% | 3,764 |
| Net interest margin | 4.5472% | 628 |
| Noninterest income to average assets | 0.7761% | 1,551 |
| Noninterest expense to average assets | 3.6223% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0048% | 2,995 |
| Return on assets (ROA) | 1.0048% | 2,997 |
| Pretax return on assets | 1.3727% | 2,250 |
| Return on Equity (ROE) | 10.0168% | 2,557 |
| Retained earnings to average equity (ytd only) | 10.0168% | 924 |
| Net charge-offs to loans | -0.0093% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5191% | 1,914 |
| Assets per employee ($millions) | 2.9703% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3695% | 287 |
| Loan loss allowance to noncurrent loans | 3,502.2222% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 2,268 |
| Noncurrent loans to loans | 0.0677% | 4,618 |
| Net loans and leases to total assets | 72.8717% | 2,141 |
| Net loans and leases to deposits | 82.8128% | 2,682 |
| Net loans and leases to core deposits | 88.3471% | 2,690 |
| Total domestic deposits to total assets | 87.9957% | 1,382 |
| Equity capital to assets | 10.3008% | 3,340 |
| Core capital (leverage) ratio | 10.3911% | 3,147 |
| Tier 1 risk-based capital ratio | 13.6857% | 3,515 |
| Total risk-based capital ratio | 14.9493% | 3,417 |
| Memoranda: | ||
| Average total assets | $89,169,330 | 4,360 |
| Average earning assets | $82,733,000 | 4,349 |
| Average equity | $8,945,000 | 4,542 |
| Average total loans | $64,848,330 | 4,052 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 1,052 |
| Cost of funding earning assets | 0.3822% | 3,719 |
| Net interest margin | 4.4316% | 716 |
| Noninterest income to average assets | 0.6361% | 2,096 |
| Noninterest expense to average assets | 3.6285% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0269% | 5,398 |
| Return on assets (ROA) | -0.0269% | 5,394 |
| Pretax return on assets | 1.1109% | 3,135 |
| Return on Equity (ROE) | -0.2690% | 5,396 |
| Retained earnings to average equity (ytd only) | -0.2690% | 4,829 |
| Net charge-offs to loans | -0.0187% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5595% | 1,507 |
| Assets per employee ($millions) | 2.9285% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4597% | 264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,471 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 71.1369% | 2,311 |
| Net loans and leases to deposits | 80.7697% | 2,722 |
| Net loans and leases to core deposits | 85.3215% | 2,859 |
| Total domestic deposits to total assets | 88.0737% | 1,579 |
| Equity capital to assets | 10.1461% | 3,456 |
| Core capital (leverage) ratio | 10.0825% | 3,445 |
| Tier 1 risk-based capital ratio | 13.9808% | 3,389 |
| Total risk-based capital ratio | 15.2460% | 3,298 |
| Memoranda: | ||
| Average total assets | $89,293,000 | 4,410 |
| Average earning assets | $82,679,500 | 4,397 |
| Average equity | $8,922,000 | 4,594 |
| Average total loans | $64,016,500 | 4,098 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 1,052 |
| Cost of funding earning assets | 0.3763% | 3,455 |
| Net interest margin | 4.3858% | 795 |
| Noninterest income to average assets | 0.8196% | 1,503 |
| Noninterest expense to average assets | 3.2794% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9692% | 2,368 |
| Return on assets (ROA) | 0.9678% | 2,412 |
| Pretax return on assets | 1.5901% | 1,321 |
| Return on Equity (ROE) | 10.4468% | 1,696 |
| Retained earnings to average equity (ytd only) | 10.4468% | 290 |
| Net charge-offs to loans | -0.1888% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3154% | 3,035 |
| Assets per employee ($millions) | 3.1286% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4594% | 259 |
| Loan loss allowance to noncurrent loans | 157,300.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 2,579 |
| Noncurrent loans to loans | 0.0016% | 5,070 |
| Net loans and leases to total assets | 68.7601% | 2,710 |
| Net loans and leases to deposits | 77.6641% | 3,155 |
| Net loans and leases to core deposits | 82.4328% | 3,211 |
| Total domestic deposits to total assets | 88.5352% | 1,231 |
| Equity capital to assets | 9.8424% | 3,876 |
| Core capital (leverage) ratio | 9.6431% | 3,874 |
| Tier 1 risk-based capital ratio | 13.9821% | 3,372 |
| Total risk-based capital ratio | 15.2465% | 3,266 |
| Memoranda: | ||
| Average total assets | $91,754,200 | 4,395 |
| Average earning assets | $84,773,800 | 4,382 |
| Average equity | $8,500,200 | 4,705 |
| Average total loans | $64,612,000 | 4,086 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 1,071 |
| Cost of funding earning assets | 0.3746% | 3,422 |
| Net interest margin | 4.3563% | 812 |
| Noninterest income to average assets | 0.8637% | 1,391 |
| Noninterest expense to average assets | 3.2474% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0003% | 2,552 |
| Return on assets (ROA) | 0.9984% | 2,617 |
| Pretax return on assets | 1.6403% | 1,278 |
| Return on Equity (ROE) | 10.9456% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.9456% | 420 |
| Net charge-offs to loans | -0.2470% | 5,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4000% | 3,146 |
| Assets per employee ($millions) | 3.4640% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4296% | 290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.4550% | 2,927 |
| Net loans and leases to deposits | 75.7228% | 3,398 |
| Net loans and leases to core deposits | 79.9336% | 3,458 |
| Total domestic deposits to total assets | 89.0815% | 841 |
| Equity capital to assets | 9.3393% | 4,606 |
| Core capital (leverage) ratio | 9.5275% | 4,128 |
| Tier 1 risk-based capital ratio | 13.6230% | 3,624 |
| Total risk-based capital ratio | 14.8876% | 3,546 |
| Memoranda: | ||
| Average total assets | $92,010,250 | 4,430 |
| Average earning assets | $85,055,500 | 4,416 |
| Average equity | $8,392,750 | 4,766 |
| Average total loans | $64,775,250 | 4,108 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 956 |
| Cost of funding earning assets | 0.3788% | 3,301 |
| Net interest margin | 4.3772% | 728 |
| Noninterest income to average assets | 0.9420% | 1,150 |
| Noninterest expense to average assets | 3.2064% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0819% | 2,075 |
| Return on assets (ROA) | 1.0819% | 2,118 |
| Pretax return on assets | 1.7770% | 884 |
| Return on Equity (ROE) | 11.9584% | 1,312 |
| Retained earnings to average equity (ytd only) | 11.9584% | 326 |
| Net charge-offs to loans | -0.3672% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3421% | 3,620 |
| Assets per employee ($millions) | 3.4705% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4090% | 318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 70.4864% | 2,443 |
| Net loans and leases to deposits | 79.3458% | 2,987 |
| Net loans and leases to core deposits | 83.9331% | 3,076 |
| Total domestic deposits to total assets | 88.8345% | 1,045 |
| Equity capital to assets | 9.4644% | 4,439 |
| Core capital (leverage) ratio | 9.3163% | 4,348 |
| Tier 1 risk-based capital ratio | 13.0399% | 3,972 |
| Total risk-based capital ratio | 14.3040% | 3,881 |
| Memoranda: | ||
| Average total assets | $91,504,000 | 4,470 |
| Average earning assets | $84,483,000 | 4,454 |
| Average equity | $8,278,670 | 4,809 |
| Average total loans | $64,813,330 | 4,128 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 1,033 |
| Cost of funding earning assets | 0.3756% | 3,245 |
| Net interest margin | 4.2722% | 845 |
| Noninterest income to average assets | 0.9420% | 1,125 |
| Noninterest expense to average assets | 3.2516% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0056% | 2,280 |
| Return on assets (ROA) | 1.0028% | 2,341 |
| Pretax return on assets | 1.6366% | 1,155 |
| Return on Equity (ROE) | 11.3402% | 1,452 |
| Retained earnings to average equity (ytd only) | 11.3402% | 557 |
| Net charge-offs to loans | 0.0433% | 1,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 856 |
| Efficiency ratio | 66.4596% | 3,417 |
| Assets per employee ($millions) | 3.7596% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1746% | 495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 69.1145% | 2,516 |
| Net loans and leases to deposits | 77.2478% | 3,052 |
| Net loans and leases to core deposits | 81.4852% | 3,141 |
| Total domestic deposits to total assets | 89.4711% | 911 |
| Equity capital to assets | 8.7968% | 5,003 |
| Core capital (leverage) ratio | 9.0176% | 4,716 |
| Tier 1 risk-based capital ratio | 12.4071% | 4,442 |
| Total risk-based capital ratio | 13.6691% | 4,335 |
| Memoranda: | ||
| Average total assets | $92,139,500 | 4,498 |
| Average earning assets | $85,202,500 | 4,493 |
| Average equity | $8,148,000 | 4,873 |
| Average total loans | $64,634,000 | 4,166 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 724 |
| Cost of funding earning assets | 0.4219% | 2,792 |
| Net interest margin | 4.4910% | 639 |
| Noninterest income to average assets | 0.8897% | 1,445 |
| Noninterest expense to average assets | 3.4235% | 1,304 |
| Loan and lease loss provision to assets | 0.1193% | 2,074 |
| Net operating income to assets | 0.9143% | 2,753 |
| Return on assets (ROA) | 0.9135% | 2,863 |
| Pretax return on assets | 1.4703% | 1,680 |
| Return on Equity (ROE) | 10.5338% | 1,755 |
| Retained earnings to average equity (ytd only) | 10.5338% | 354 |
| Net charge-offs to loans | -0.1523% | 5,687 |
| Credit loss provision to net charge-offs | -108.2474% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2755% | 3,192 |
| Assets per employee ($millions) | 3.4727% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3082% | 392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.0175% | 2,764 |
| Net loans and leases to deposits | 75.7774% | 3,338 |
| Net loans and leases to core deposits | 80.0910% | 3,388 |
| Total domestic deposits to total assets | 89.7597% | 745 |
| Equity capital to assets | 8.8914% | 4,922 |
| Core capital (leverage) ratio | 8.8375% | 4,923 |
| Tier 1 risk-based capital ratio | 12.8991% | 4,134 |
| Total risk-based capital ratio | 14.1623% | 4,024 |
| Memoranda: | ||
| Average total assets | $88,010,200 | 4,582 |
| Average earning assets | $80,827,600 | 4,577 |
| Average equity | $7,632,600 | 4,987 |
| Average total loans | $63,698,600 | 4,187 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 617 |
| Cost of funding earning assets | 0.4402% | 2,631 |
| Net interest margin | 4.5502% | 557 |
| Noninterest income to average assets | 0.9210% | 1,343 |
| Noninterest expense to average assets | 3.4918% | 1,163 |
| Loan and lease loss provision to assets | 0.1601% | 1,446 |
| Net operating income to assets | 0.9098% | 2,854 |
| Return on assets (ROA) | 0.9088% | 2,995 |
| Pretax return on assets | 1.4440% | 1,902 |
| Return on Equity (ROE) | 10.5479% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.5479% | 481 |
| Net charge-offs to loans | 0.0167% | 3,387 |
| Credit loss provision to net charge-offs | 1,312.5000% | 324 |
| Earnings coverage of net charge-offs (x) | 131.5801% | 519 |
| Efficiency ratio | 68.5013% | 3,139 |
| Assets per employee ($millions) | 3.1619% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1848% | 535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.0661% | 2,794 |
| Net loans and leases to deposits | 75.8467% | 3,414 |
| Net loans and leases to core deposits | 80.3298% | 3,413 |
| Total domestic deposits to total assets | 89.7417% | 581 |
| Equity capital to assets | 8.8611% | 5,274 |
| Core capital (leverage) ratio | 8.9224% | 4,918 |
| Tier 1 risk-based capital ratio | 12.8703% | 4,241 |
| Total risk-based capital ratio | 14.1314% | 4,145 |
| Memoranda: | ||
| Average total assets | $87,440,250 | 4,625 |
| Average earning assets | $80,258,750 | 4,620 |
| Average equity | $7,533,750 | 5,058 |
| Average total loans | $63,907,250 | 4,207 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 554 |
| Cost of funding earning assets | 0.4590% | 2,488 |
| Net interest margin | 4.5697% | 534 |
| Noninterest income to average assets | 0.7373% | 1,983 |
| Noninterest expense to average assets | 3.5119% | 1,147 |
| Loan and lease loss provision to assets | 0.1378% | 1,643 |
| Net operating income to assets | 0.8191% | 3,223 |
| Return on assets (ROA) | 0.8177% | 3,364 |
| Pretax return on assets | 1.2702% | 2,524 |
| Return on Equity (ROE) | 9.5828% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.5828% | 695 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3486% | 2,769 |
| Assets per employee ($millions) | 2.9994% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 792 |
| Loan loss allowance to noncurrent loans | 11,900.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,565 |
| Noncurrent loans to loans | 0.0165% | 5,415 |
| Net loans and leases to total assets | 75.0193% | 1,648 |
| Net loans and leases to deposits | 83.8396% | 2,489 |
| Net loans and leases to core deposits | 88.8946% | 2,652 |
| Total domestic deposits to total assets | 89.4796% | 695 |
| Equity capital to assets | 8.7431% | 5,446 |
| Core capital (leverage) ratio | 8.6287% | 5,235 |
| Tier 1 risk-based capital ratio | 11.7505% | 5,007 |
| Total risk-based capital ratio | 13.0094% | 4,880 |
| Memoranda: | ||
| Average total assets | $87,076,000 | 4,672 |
| Average earning assets | $79,742,000 | 4,666 |
| Average equity | $7,430,000 | 5,117 |
| Average total loans | $64,674,000 | 4,224 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 488 |
| Cost of funding earning assets | 0.4585% | 2,483 |
| Net interest margin | 4.6507% | 463 |
| Noninterest income to average assets | 0.4683% | 3,348 |
| Noninterest expense to average assets | 3.5307% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8435% | 3,016 |
| Return on assets (ROA) | 0.8402% | 3,164 |
| Pretax return on assets | 1.1708% | 2,816 |
| Return on Equity (ROE) | 9.9694% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.9694% | 849 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0244% | 2,326 |
| Assets per employee ($millions) | 3.0291% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 4,820 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.1025% | 2,022 |
| Net loans and leases to deposits | 81.4477% | 2,608 |
| Net loans and leases to core deposits | 86.3549% | 2,716 |
| Total domestic deposits to total assets | 88.5261% | 1,343 |
| Equity capital to assets | 8.4605% | 5,590 |
| Core capital (leverage) ratio | 8.5684% | 5,326 |
| Tier 1 risk-based capital ratio | 11.3736% | 5,292 |
| Total risk-based capital ratio | 12.6312% | 5,198 |
| Memoranda: | ||
| Average total assets | $87,122,500 | 4,705 |
| Average earning assets | $79,385,500 | 4,720 |
| Average equity | $7,342,500 | 5,168 |
| Average total loans | $63,729,500 | 4,269 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 388 |
| Cost of funding earning assets | 0.4044% | 3,105 |
| Net interest margin | 4.8579% | 324 |
| Noninterest income to average assets | 0.8364% | 1,653 |
| Noninterest expense to average assets | 3.7327% | 938 |
| Loan and lease loss provision to assets | 2.8296% | 16 |
| Net operating income to assets | -0.7997% | 6,085 |
| Return on assets (ROA) | -0.8036% | 6,085 |
| Pretax return on assets | -1.3134% | 6,119 |
| Return on Equity (ROE) | -8.0012% | 6,083 |
| Retained earnings to average equity (ytd only) | -8.0012% | 6,000 |
| Net charge-offs to loans | 4.7664% | 9 |
| Credit loss provision to net charge-offs | 80.5738% | 2,937 |
| Earnings coverage of net charge-offs (x) | 0.4335% | 4,228 |
| Efficiency ratio | 71.0326% | 3,064 |
| Assets per employee ($millions) | 3.0959% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 3,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 4,841 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.6021% | 2,127 |
| Net loans and leases to deposits | 80.2226% | 2,797 |
| Net loans and leases to core deposits | 86.9789% | 2,700 |
| Total domestic deposits to total assets | 89.2543% | 993 |
| Equity capital to assets | 8.6958% | 5,391 |
| Core capital (leverage) ratio | 8.7321% | 5,182 |
| Tier 1 risk-based capital ratio | 11.4606% | 5,276 |
| Total risk-based capital ratio | 12.6848% | 5,193 |
| Memoranda: | ||
| Average total assets | $82,380,000 | 4,820 |
| Average earning assets | $74,930,000 | 4,834 |
| Average equity | $8,273,800 | 5,012 |
| Average total loans | $60,696,200 | 4,362 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 351 |
| Cost of funding earning assets | 0.3923% | 3,302 |
| Net interest margin | 4.9474% | 289 |
| Noninterest income to average assets | 0.8249% | 1,706 |
| Noninterest expense to average assets | 3.7554% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9597% | 2,671 |
| Return on assets (ROA) | 0.9544% | 2,783 |
| Pretax return on assets | 1.5694% | 1,481 |
| Return on Equity (ROE) | 9.1748% | 2,483 |
| Retained earnings to average equity (ytd only) | 9.1748% | 843 |
| Net charge-offs to loans | 0.0177% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 120.2090% | 534 |
| Efficiency ratio | 70.4182% | 3,145 |
| Assets per employee ($millions) | 2.9684% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0697% | 824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 4,979 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.6425% | 1,619 |
| Net loans and leases to deposits | 85.1197% | 2,264 |
| Net loans and leases to core deposits | 93.3099% | 2,140 |
| Total domestic deposits to total assets | 87.6912% | 1,708 |
| Equity capital to assets | 10.2004% | 3,932 |
| Core capital (leverage) ratio | 10.7119% | 2,808 |
| Tier 1 risk-based capital ratio | 12.6936% | 4,618 |
| Total risk-based capital ratio | 13.9526% | 4,519 |
| Memoranda: | ||
| Average total assets | $81,303,500 | 4,896 |
| Average earning assets | $74,084,250 | 4,906 |
| Average equity | $8,457,750 | 5,030 |
| Average total loans | $60,152,000 | 4,421 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 387 |
| Cost of funding earning assets | 0.3864% | 3,411 |
| Net interest margin | 4.8747% | 314 |
| Noninterest income to average assets | 0.7000% | 2,215 |
| Noninterest expense to average assets | 3.7034% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8672% | 3,057 |
| Return on assets (ROA) | 0.8656% | 3,157 |
| Pretax return on assets | 1.4252% | 1,887 |
| Return on Equity (ROE) | 8.2635% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.2635% | 1,163 |
| Net charge-offs to loans | 0.0274% | 3,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 71.1250% | 767 |
| Efficiency ratio | 72.1760% | 2,981 |
| Assets per employee ($millions) | 2.9320% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2482% | 684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 5,069 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.9219% | 1,993 |
| Net loans and leases to deposits | 81.8625% | 2,574 |
| Net loans and leases to core deposits | 87.8241% | 2,568 |
| Total domestic deposits to total assets | 87.8569% | 1,722 |
| Equity capital to assets | 10.3927% | 3,569 |
| Core capital (leverage) ratio | 10.6463% | 2,795 |
| Tier 1 risk-based capital ratio | 13.3858% | 4,283 |
| Total risk-based capital ratio | 14.6469% | 4,209 |
| Memoranda: | ||
| Average total assets | $79,709,670 | 4,985 |
| Average earning assets | $72,455,330 | 4,989 |
| Average equity | $8,350,000 | 5,088 |
| Average total loans | $58,331,330 | 4,502 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 366 |
| Cost of funding earning assets | 0.3829% | 3,496 |
| Net interest margin | 4.8934% | 304 |
| Noninterest income to average assets | 0.4738% | 3,476 |
| Noninterest expense to average assets | 3.7903% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6725% | 3,936 |
| Return on assets (ROA) | 0.6725% | 4,060 |
| Pretax return on assets | 1.1106% | 3,033 |
| Return on Equity (ROE) | 6.3930% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.3930% | 2,295 |
| Net charge-offs to loans | 0.0559% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.2500% | 1,214 |
| Efficiency ratio | 77.3389% | 2,291 |
| Assets per employee ($millions) | 2.8722% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3175% | 693 |
| Loan loss allowance to noncurrent loans | 45,266.6667% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 5,114 |
| Noncurrent loans to loans | 0.0051% | 5,795 |
| Net loans and leases to total assets | 71.1742% | 1,951 |
| Net loans and leases to deposits | 81.1406% | 2,432 |
| Net loans and leases to core deposits | 86.5213% | 2,494 |
| Total domestic deposits to total assets | 87.7171% | 1,977 |
| Equity capital to assets | 10.3617% | 3,700 |
| Core capital (leverage) ratio | 10.7556% | 2,683 |
| Tier 1 risk-based capital ratio | 13.2325% | 4,474 |
| Total risk-based capital ratio | 14.4936% | 4,387 |
| Memoranda: | ||
| Average total assets | $78,516,500 | 5,057 |
| Average earning assets | $71,034,000 | 5,068 |
| Average equity | $8,259,000 | 5,144 |
| Average total loans | $57,295,500 | 4,572 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3326% | 429 |
| Cost of funding earning assets | 0.4282% | 3,401 |
| Net interest margin | 4.9043% | 351 |
| Noninterest income to average assets | 1.1202% | 972 |
| Noninterest expense to average assets | 3.7942% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0637% | 2,115 |
| Return on assets (ROA) | 1.0637% | 2,174 |
| Pretax return on assets | 1.7517% | 889 |
| Return on Equity (ROE) | 10.2432% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.2432% | 479 |
| Net charge-offs to loans | 0.0304% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 81.3125% | 615 |
| Efficiency ratio | 68.4147% | 3,823 |
| Assets per employee ($millions) | 2.9466% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 598 |
| Loan loss allowance to noncurrent loans | 17,075.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 1.4763% | 1,859 |
| Noncurrent loans to loans | 0.0143% | 5,852 |
| Net loans and leases to total assets | 71.3048% | 2,031 |
| Net loans and leases to deposits | 81.5903% | 2,529 |
| Net loans and leases to core deposits | 87.3000% | 2,581 |
| Total domestic deposits to total assets | 87.3936% | 2,085 |
| Equity capital to assets | 10.6837% | 3,258 |
| Core capital (leverage) ratio | 10.7722% | 2,649 |
| Tier 1 risk-based capital ratio | 13.8248% | 4,226 |
| Total risk-based capital ratio | 15.0876% | 4,147 |
| Memoranda: | ||
| Average total assets | $74,270,400 | 5,185 |
| Average earning assets | $67,022,200 | 5,197 |
| Average equity | $7,712,400 | 5,267 |
| Average total loans | $52,627,800 | 4,740 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 486 |
| Cost of funding earning assets | 0.4281% | 3,484 |
| Net interest margin | 4.8046% | 422 |
| Noninterest income to average assets | 1.1472% | 909 |
| Noninterest expense to average assets | 3.8306% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0085% | 2,418 |
| Return on assets (ROA) | 1.0097% | 2,472 |
| Pretax return on assets | 1.6647% | 1,148 |
| Return on Equity (ROE) | 9.7966% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.7966% | 760 |
| Net charge-offs to loans | -0.0103% | 5,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7299% | 3,559 |
| Assets per employee ($millions) | 2.8001% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5757% | 593 |
| Loan loss allowance to noncurrent loans | 502.1739% | 962 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 2,238 |
| Noncurrent loans to loans | 0.5129% | 4,396 |
| Net loans and leases to total assets | 69.3416% | 2,303 |
| Net loans and leases to deposits | 79.5427% | 2,765 |
| Net loans and leases to core deposits | 85.1913% | 2,755 |
| Total domestic deposits to total assets | 87.1753% | 2,217 |
| Equity capital to assets | 10.4928% | 3,570 |
| Core capital (leverage) ratio | 10.5986% | 2,921 |
| Tier 1 risk-based capital ratio | 13.9587% | 4,248 |
| Total risk-based capital ratio | 15.2235% | 4,174 |
| Memoranda: | ||
| Average total assets | $73,685,000 | 5,252 |
| Average earning assets | $66,657,000 | 5,270 |
| Average equity | $7,594,250 | 5,333 |
| Average total loans | $51,786,250 | 4,803 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 526 |
| Cost of funding earning assets | 0.4325% | 3,521 |
| Net interest margin | 4.7479% | 447 |
| Noninterest income to average assets | 0.9309% | 1,388 |
| Noninterest expense to average assets | 3.9729% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7594% | 3,519 |
| Return on assets (ROA) | 0.7612% | 3,617 |
| Pretax return on assets | 1.2595% | 2,413 |
| Return on Equity (ROE) | 7.4318% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.4318% | 1,551 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9686% | 2,641 |
| Assets per employee ($millions) | 2.7348% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5741% | 641 |
| Loan loss allowance to noncurrent loans | 193.0168% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 2.0098% | 1,593 |
| Noncurrent loans to loans | 1.3336% | 2,582 |
| Net loans and leases to total assets | 70.8393% | 1,940 |
| Net loans and leases to deposits | 81.0070% | 2,383 |
| Net loans and leases to core deposits | 87.1435% | 2,401 |
| Total domestic deposits to total assets | 87.4484% | 2,219 |
| Equity capital to assets | 10.3617% | 3,604 |
| Core capital (leverage) ratio | 10.4198% | 3,065 |
| Tier 1 risk-based capital ratio | 13.6235% | 4,508 |
| Total risk-based capital ratio | 14.8888% | 4,443 |
| Memoranda: | ||
| Average total assets | $73,045,330 | 5,308 |
| Average earning assets | $66,134,670 | 5,318 |
| Average equity | $7,481,330 | 5,384 |
| Average total loans | $51,111,330 | 4,854 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 641 |
| Cost of funding earning assets | 0.4379% | 3,561 |
| Net interest margin | 4.6221% | 539 |
| Noninterest income to average assets | 0.7874% | 1,808 |
| Noninterest expense to average assets | 3.9808% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5966% | 4,214 |
| Return on assets (ROA) | 0.6002% | 4,279 |
| Pretax return on assets | 0.9966% | 3,330 |
| Return on Equity (ROE) | 5.8947% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.8947% | 2,593 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0664% | 2,198 |
| Assets per employee ($millions) | 2.4950% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7475% | 588 |
| Loan loss allowance to noncurrent loans | 172.9662% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 2.1657% | 1,536 |
| Noncurrent loans to loans | 1.5885% | 2,431 |
| Net loans and leases to total assets | 67.6093% | 2,280 |
| Net loans and leases to deposits | 77.4092% | 2,638 |
| Net loans and leases to core deposits | 82.9752% | 2,647 |
| Total domestic deposits to total assets | 87.3400% | 2,607 |
| Equity capital to assets | 10.3201% | 3,436 |
| Core capital (leverage) ratio | 10.4405% | 3,005 |
| Tier 1 risk-based capital ratio | 14.1056% | 4,259 |
| Total risk-based capital ratio | 15.3719% | 4,197 |
| Memoranda: | ||
| Average total assets | $72,648,500 | 5,375 |
| Average earning assets | $65,770,500 | 5,382 |
| Average equity | $7,396,500 | 5,433 |
| Average total loans | $49,822,500 | 4,939 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 667 |
| Cost of funding earning assets | 0.5455% | 3,151 |
| Net interest margin | 4.6367% | 563 |
| Noninterest income to average assets | 1.0520% | 1,268 |
| Noninterest expense to average assets | 4.1954% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6262% | 4,127 |
| Return on assets (ROA) | 0.6262% | 4,242 |
| Pretax return on assets | 1.0395% | 3,193 |
| Return on Equity (ROE) | 6.3380% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.3380% | 1,780 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1426% | 2,129 |
| Assets per employee ($millions) | 2.3530% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8007% | 602 |
| Loan loss allowance to noncurrent loans | 128.5581% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 2.5266% | 1,352 |
| Noncurrent loans to loans | 2.1785% | 1,793 |
| Net loans and leases to total assets | 65.7541% | 2,730 |
| Net loans and leases to deposits | 74.9024% | 3,114 |
| Net loans and leases to core deposits | 80.2057% | 3,107 |
| Total domestic deposits to total assets | 87.7864% | 2,316 |
| Equity capital to assets | 10.0435% | 3,703 |
| Core capital (leverage) ratio | 10.0327% | 3,516 |
| Tier 1 risk-based capital ratio | 14.1305% | 4,205 |
| Total risk-based capital ratio | 15.3986% | 4,143 |
| Memoranda: | ||
| Average total assets | $72,340,800 | 5,411 |
| Average earning assets | $65,262,000 | 5,428 |
| Average equity | $7,147,400 | 5,537 |
| Average total loans | $50,014,400 | 4,959 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1908% | 660 |
| Cost of funding earning assets | 0.5633% | 3,140 |
| Net interest margin | 4.6275% | 589 |
| Noninterest income to average assets | 1.1119% | 1,186 |
| Noninterest expense to average assets | 4.2036% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6520% | 4,107 |
| Return on assets (ROA) | 0.6520% | 4,240 |
| Pretax return on assets | 1.0805% | 3,192 |
| Return on Equity (ROE) | 6.6263% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.6263% | 2,071 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5526% | 2,168 |
| Assets per employee ($millions) | 2.3796% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7477% | 707 |
| Loan loss allowance to noncurrent loans | 100.4360% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 3.0840% | 1,195 |
| Noncurrent loans to loans | 2.7358% | 1,539 |
| Net loans and leases to total assets | 66.3088% | 2,585 |
| Net loans and leases to deposits | 75.4020% | 3,031 |
| Net loans and leases to core deposits | 80.9875% | 3,007 |
| Total domestic deposits to total assets | 87.9404% | 2,168 |
| Equity capital to assets | 9.8323% | 4,129 |
| Core capital (leverage) ratio | 10.0896% | 3,542 |
| Tier 1 risk-based capital ratio | 13.3806% | 4,850 |
| Total risk-based capital ratio | 14.6474% | 4,781 |
| Memoranda: | ||
| Average total assets | $72,190,250 | 5,464 |
| Average earning assets | $65,088,000 | 5,486 |
| Average equity | $7,102,750 | 5,607 |
| Average total loans | $50,181,750 | 4,992 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2260% | 606 |
| Cost of funding earning assets | 0.5724% | 3,194 |
| Net interest margin | 4.6536% | 552 |
| Noninterest income to average assets | 1.1275% | 1,196 |
| Noninterest expense to average assets | 4.2085% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6726% | 3,942 |
| Return on assets (ROA) | 0.6726% | 4,106 |
| Pretax return on assets | 1.1163% | 3,031 |
| Return on Equity (ROE) | 6.8343% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.8343% | 1,964 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0356% | 2,292 |
| Assets per employee ($millions) | 2.2270% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8175% | 698 |
| Loan loss allowance to noncurrent loans | 104.4596% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 3.1180% | 1,284 |
| Noncurrent loans to loans | 2.6972% | 1,689 |
| Net loans and leases to total assets | 66.8893% | 2,436 |
| Net loans and leases to deposits | 76.2688% | 2,844 |
| Net loans and leases to core deposits | 82.8288% | 2,716 |
| Total domestic deposits to total assets | 87.7021% | 2,441 |
| Equity capital to assets | 10.0135% | 3,900 |
| Core capital (leverage) ratio | 9.9115% | 3,644 |
| Tier 1 risk-based capital ratio | 13.5964% | 4,712 |
| Total risk-based capital ratio | 14.8637% | 4,664 |
| Memoranda: | ||
| Average total assets | $71,664,670 | 5,516 |
| Average earning assets | $64,638,000 | 5,539 |
| Average equity | $7,052,670 | 5,669 |
| Average total loans | $50,143,670 | 5,020 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 721 |
| Cost of funding earning assets | 0.5807% | 3,286 |
| Net interest margin | 4.5346% | 637 |
| Noninterest income to average assets | 1.2802% | 928 |
| Noninterest expense to average assets | 4.3081% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6401% | 4,016 |
| Return on assets (ROA) | 0.6401% | 4,179 |
| Pretax return on assets | 1.0575% | 3,120 |
| Return on Equity (ROE) | 6.5611% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.5611% | 2,386 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2905% | 2,286 |
| Assets per employee ($millions) | 2.3733% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7642% | 854 |
| Loan loss allowance to noncurrent loans | 103.3657% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 2.8611% | 1,577 |
| Noncurrent loans to loans | 2.6742% | 1,916 |
| Net loans and leases to total assets | 66.0772% | 2,357 |
| Net loans and leases to deposits | 74.9919% | 2,772 |
| Net loans and leases to core deposits | 82.2728% | 2,536 |
| Total domestic deposits to total assets | 88.1125% | 2,251 |
| Equity capital to assets | 9.6081% | 4,699 |
| Core capital (leverage) ratio | 9.7633% | 3,712 |
| Tier 1 risk-based capital ratio | 13.3208% | 4,994 |
| Total risk-based capital ratio | 14.5883% | 4,932 |
| Memoranda: | ||
| Average total assets | $71,865,000 | 5,565 |
| Average earning assets | $64,746,500 | 5,588 |
| Average equity | $7,011,000 | 5,739 |
| Average total loans | $50,690,500 | 5,030 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2910% | 171 |
| Cost of funding earning assets | 0.6711% | 3,733 |
| Net interest margin | 5.6199% | 145 |
| Noninterest income to average assets | 0.9348% | 1,762 |
| Noninterest expense to average assets | 4.1152% | 844 |
| Loan and lease loss provision to assets | 0.4997% | 1,193 |
| Net operating income to assets | 0.7801% | 3,371 |
| Return on assets (ROA) | 0.7782% | 3,633 |
| Pretax return on assets | 1.3066% | 2,372 |
| Return on Equity (ROE) | 8.0961% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.0961% | 1,086 |
| Net charge-offs to loans | 0.3092% | 3,097 |
| Credit loss provision to net charge-offs | 204.7059% | 1,252 |
| Earnings coverage of net charge-offs (x) | 7.4118% | 2,611 |
| Efficiency ratio | 69.4619% | 3,901 |
| Assets per employee ($millions) | 2.4192% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6896% | 932 |
| Loan loss allowance to noncurrent loans | 104.4596% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.9805% | 1,588 |
| Noncurrent loans to loans | 2.5747% | 2,055 |
| Net loans and leases to total assets | 71.2716% | 1,606 |
| Net loans and leases to deposits | 80.9028% | 2,157 |
| Net loans and leases to core deposits | 87.7305% | 2,119 |
| Total domestic deposits to total assets | 88.0953% | 2,173 |
| Equity capital to assets | 9.9106% | 4,294 |
| Core capital (leverage) ratio | 9.9056% | 3,533 |
| Tier 1 risk-based capital ratio | 12.9791% | 5,120 |
| Total risk-based capital ratio | 14.2459% | 5,048 |
| Memoranda: | ||
| Average total assets | $69,644,000 | 5,636 |
| Average earning assets | $61,834,200 | 5,679 |
| Average equity | $6,694,600 | 5,850 |
| Average total loans | $54,985,400 | 4,902 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5358% | 136 |
| Cost of funding earning assets | 0.7014% | 3,758 |
| Net interest margin | 5.8343% | 111 |
| Noninterest income to average assets | 1.1220% | 1,194 |
| Noninterest expense to average assets | 4.1045% | 822 |
| Loan and lease loss provision to assets | 0.6675% | 775 |
| Net operating income to assets | 0.9098% | 2,935 |
| Return on assets (ROA) | 0.9110% | 3,156 |
| Pretax return on assets | 1.5210% | 1,805 |
| Return on Equity (ROE) | 9.5523% | 2,566 |
| Retained earnings to average equity (ytd only) | 9.5523% | 1,043 |
| Net charge-offs to loans | 0.5869% | 1,870 |
| Credit loss provision to net charge-offs | 141.4634% | 2,039 |
| Earnings coverage of net charge-offs (x) | 4.6342% | 3,247 |
| Efficiency ratio | 65.2439% | 4,585 |
| Assets per employee ($millions) | 2.4041% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3981% | 1,365 |
| Loan loss allowance to noncurrent loans | 177.2049% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 3.1082% | 1,672 |
| Noncurrent loans to loans | 1.3533% | 3,759 |
| Net loans and leases to total assets | 76.2389% | 937 |
| Net loans and leases to deposits | 86.5402% | 1,539 |
| Net loans and leases to core deposits | 94.7182% | 1,511 |
| Total domestic deposits to total assets | 88.0965% | 1,993 |
| Equity capital to assets | 9.8639% | 4,687 |
| Core capital (leverage) ratio | 9.9296% | 3,650 |
| Tier 1 risk-based capital ratio | 12.0477% | 5,912 |
| Total risk-based capital ratio | 13.3104% | 5,892 |
| Memoranda: | ||
| Average total assets | $69,515,750 | 5,706 |
| Average earning assets | $61,587,750 | 5,751 |
| Average equity | $6,630,000 | 5,926 |
| Average total loans | $55,885,750 | 4,923 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7701% | 102 |
| Cost of funding earning assets | 0.7302% | 3,771 |
| Net interest margin | 6.0399% | 88 |
| Noninterest income to average assets | 1.0655% | 1,262 |
| Noninterest expense to average assets | 4.0433% | 896 |
| Loan and lease loss provision to assets | 0.7862% | 647 |
| Net operating income to assets | 0.9543% | 2,642 |
| Return on assets (ROA) | 0.9561% | 2,886 |
| Pretax return on assets | 1.5983% | 1,553 |
| Return on Equity (ROE) | 10.1410% | 2,298 |
| Retained earnings to average equity (ytd only) | 10.1410% | 940 |
| Net charge-offs to loans | 0.8729% | 1,263 |
| Credit loss provision to net charge-offs | 110.9756% | 2,450 |
| Earnings coverage of net charge-offs (x) | 3.3618% | 3,402 |
| Efficiency ratio | 62.9314% | 5,095 |
| Assets per employee ($millions) | 2.2785% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2255% | 1,715 |
| Loan loss allowance to noncurrent loans | 91.2528% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 3.2712% | 1,658 |
| Noncurrent loans to loans | 2.4388% | 2,463 |
| Net loans and leases to total assets | 79.1219% | 606 |
| Net loans and leases to deposits | 89.8180% | 1,161 |
| Net loans and leases to core deposits | 98.9154% | 1,179 |
| Total domestic deposits to total assets | 88.0914% | 2,083 |
| Equity capital to assets | 9.8180% | 4,595 |
| Core capital (leverage) ratio | 9.6801% | 3,866 |
| Tier 1 risk-based capital ratio | 11.6623% | 6,132 |
| Total risk-based capital ratio | 12.9227% | 6,103 |
| Memoranda: | ||
| Average total assets | $69,448,000 | 5,745 |
| Average earning assets | $61,624,000 | 5,782 |
| Average equity | $6,547,670 | 5,968 |
| Average total loans | $56,361,330 | 4,940 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2961% | 78 |
| Cost of funding earning assets | 0.7411% | 3,936 |
| Net interest margin | 6.5550% | 66 |
| Noninterest income to average assets | 0.9544% | 1,549 |
| Noninterest expense to average assets | 3.9660% | 970 |
| Loan and lease loss provision to assets | 0.9715% | 435 |
| Net operating income to assets | 1.1087% | 2,047 |
| Return on assets (ROA) | 1.1087% | 2,231 |
| Pretax return on assets | 1.8801% | 917 |
| Return on Equity (ROE) | 12.0012% | 1,675 |
| Retained earnings to average equity (ytd only) | 12.0012% | 822 |
| Net charge-offs to loans | 0.6399% | 1,526 |
| Credit loss provision to net charge-offs | 186.8132% | 1,408 |
| Earnings coverage of net charge-offs (x) | 5.4835% | 2,360 |
| Efficiency ratio | 58.1727% | 5,892 |
| Assets per employee ($millions) | 2.4486% | 6,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2655% | 1,746 |
| Loan loss allowance to noncurrent loans | 179.1899% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 2.2575% | 2,638 |
| Noncurrent loans to loans | 1.2643% | 4,218 |
| Net loans and leases to total assets | 77.9490% | 595 |
| Net loans and leases to deposits | 88.1538% | 1,146 |
| Net loans and leases to core deposits | 97.6500% | 1,152 |
| Total domestic deposits to total assets | 88.4238% | 2,053 |
| Equity capital to assets | 9.2708% | 5,131 |
| Core capital (leverage) ratio | 9.5850% | 3,936 |
| Tier 1 risk-based capital ratio | 11.1728% | 6,461 |
| Total risk-based capital ratio | 12.4342% | 6,440 |
| Memoranda: | ||
| Average total assets | $69,995,000 | 5,779 |
| Average earning assets | $62,609,000 | 5,792 |
| Average equity | $6,466,000 | 6,021 |
| Average total loans | $56,885,000 | 4,951 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2781% | 265 |
| Cost of funding earning assets | 0.7974% | 4,890 |
| Net interest margin | 5.4807% | 183 |
| Noninterest income to average assets | 0.9164% | 1,619 |
| Noninterest expense to average assets | 3.9204% | 1,156 |
| Loan and lease loss provision to assets | 0.3162% | 3,148 |
| Net operating income to assets | 0.9586% | 2,369 |
| Return on assets (ROA) | 0.9764% | 2,432 |
| Pretax return on assets | 1.6279% | 1,144 |
| Return on Equity (ROE) | 10.8820% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.8820% | 418 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1683% | 4,541 |
| Assets per employee ($millions) | 2.3787% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1072% | 1,984 |
| Loan loss allowance to noncurrent loans | 39.2822% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 4.4432% | 1,239 |
| Noncurrent loans to loans | 5.3643% | 1,007 |
| Net loans and leases to total assets | 81.0835% | 402 |
| Net loans and leases to deposits | 90.9613% | 1,057 |
| Net loans and leases to core deposits | 99.8304% | 1,195 |
| Total domestic deposits to total assets | 89.1406% | 1,453 |
| Equity capital to assets | 9.2039% | 5,278 |
| Core capital (leverage) ratio | 9.1239% | 4,582 |
| Tier 1 risk-based capital ratio | 11.0190% | 6,447 |
| Total risk-based capital ratio | 12.2783% | 6,424 |
| Memoranda: | ||
| Average total assets | $68,309,000 | 5,800 |
| Average earning assets | $61,324,400 | 5,826 |
| Average equity | $6,129,400 | 6,119 |
| Average total loans | $55,349,400 | 5,057 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2670% | 286 |
| Cost of funding earning assets | 0.8074% | 5,098 |
| Net interest margin | 5.4597% | 186 |
| Noninterest income to average assets | 0.8336% | 1,910 |
| Noninterest expense to average assets | 3.8605% | 1,212 |
| Loan and lease loss provision to assets | 0.3228% | 2,951 |
| Net operating income to assets | 0.9206% | 2,671 |
| Return on assets (ROA) | 0.9431% | 2,718 |
| Pretax return on assets | 1.5810% | 1,429 |
| Return on Equity (ROE) | 10.5795% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.5795% | 707 |
| Net charge-offs to loans | 0.0219% | 5,843 |
| Credit loss provision to net charge-offs | 1,833.3333% | 149 |
| Earnings coverage of net charge-offs (x) | 106.1083% | 344 |
| Efficiency ratio | 67.3839% | 4,446 |
| Assets per employee ($millions) | 2.3909% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 2,324 |
| Loan loss allowance to noncurrent loans | 37.3003% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 4.4235% | 1,360 |
| Noncurrent loans to loans | 5.3771% | 1,116 |
| Net loans and leases to total assets | 80.6144% | 455 |
| Net loans and leases to deposits | 89.8329% | 1,234 |
| Net loans and leases to core deposits | 97.5139% | 1,463 |
| Total domestic deposits to total assets | 89.7382% | 1,015 |
| Equity capital to assets | 8.9320% | 5,832 |
| Core capital (leverage) ratio | 8.8992% | 5,106 |
| Tier 1 risk-based capital ratio | 10.7881% | 6,671 |
| Total risk-based capital ratio | 12.0473% | 6,645 |
| Memoranda: | ||
| Average total assets | $68,140,750 | 5,835 |
| Average earning assets | $61,101,250 | 5,865 |
| Average equity | $6,074,500 | 6,180 |
| Average total loans | $54,902,500 | 5,120 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2419% | 305 |
| Cost of funding earning assets | 0.8021% | 5,349 |
| Net interest margin | 5.4398% | 194 |
| Noninterest income to average assets | 0.8178% | 1,934 |
| Noninterest expense to average assets | 3.8853% | 1,220 |
| Loan and lease loss provision to assets | 0.2805% | 3,136 |
| Net operating income to assets | 0.8942% | 2,663 |
| Return on assets (ROA) | 0.9093% | 2,702 |
| Pretax return on assets | 1.5411% | 1,399 |
| Return on Equity (ROE) | 10.2071% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.2071% | 803 |
| Net charge-offs to loans | 0.0111% | 5,700 |
| Credit loss provision to net charge-offs | 3,166.6667% | 99 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 183 |
| Efficiency ratio | 68.3636% | 4,450 |
| Assets per employee ($millions) | 2.4228% | 7,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,659 |
| Loan loss allowance to noncurrent loans | 35.2365% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 4.3624% | 1,452 |
| Noncurrent loans to loans | 5.4054% | 1,172 |
| Net loans and leases to total assets | 79.1674% | 626 |
| Net loans and leases to deposits | 87.8790% | 1,519 |
| Net loans and leases to core deposits | 94.8761% | 1,810 |
| Total domestic deposits to total assets | 90.0868% | 929 |
| Equity capital to assets | 8.6137% | 6,043 |
| Core capital (leverage) ratio | 8.9108% | 4,862 |
| Tier 1 risk-based capital ratio | 10.4931% | 6,790 |
| Total risk-based capital ratio | 11.7513% | 6,782 |
| Memoranda: | ||
| Average total assets | $67,742,670 | 5,894 |
| Average earning assets | $60,591,000 | 5,935 |
| Average equity | $6,035,000 | 6,224 |
| Average total loans | $54,190,670 | 5,200 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3516% | 259 |
| Cost of funding earning assets | 0.8667% | 5,159 |
| Net interest margin | 5.4848% | 168 |
| Noninterest income to average assets | 0.8363% | 1,898 |
| Noninterest expense to average assets | 4.0551% | 971 |
| Loan and lease loss provision to assets | 0.1203% | 4,511 |
| Net operating income to assets | 0.8832% | 2,648 |
| Return on assets (ROA) | 0.9025% | 2,616 |
| Pretax return on assets | 1.5643% | 1,266 |
| Return on Equity (ROE) | 9.9560% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.9560% | 1,125 |
| Net charge-offs to loans | 0.0302% | 4,674 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 68.7500% | 443 |
| Efficiency ratio | 71.0221% | 4,051 |
| Assets per employee ($millions) | 2.3634% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 2,729 |
| Loan loss allowance to noncurrent loans | 32.7569% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 4.8992% | 1,293 |
| Noncurrent loans to loans | 5.7647% | 1,122 |
| Net loans and leases to total assets | 78.8285% | 639 |
| Net loans and leases to deposits | 87.1375% | 1,574 |
| Net loans and leases to core deposits | 90.7326% | 2,272 |
| Total domestic deposits to total assets | 90.4645% | 857 |
| Equity capital to assets | 9.2121% | 4,852 |
| Core capital (leverage) ratio | 9.1723% | 4,331 |
| Tier 1 risk-based capital ratio | 11.0600% | 6,466 |
| Total risk-based capital ratio | 12.3163% | 6,439 |
| Memoranda: | ||
| Average total assets | $66,484,000 | 5,976 |
| Average earning assets | $59,072,000 | 6,026 |
| Average equity | $6,026,500 | 6,238 |
| Average total loans | $52,934,500 | 5,290 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6650% | 244 |
| Cost of funding earning assets | 1.5986% | 2,076 |
| Net interest margin | 5.0664% | 377 |
| Noninterest income to average assets | 1.1293% | 1,157 |
| Noninterest expense to average assets | 4.0576% | 1,079 |
| Loan and lease loss provision to assets | 0.6198% | 2,655 |
| Net operating income to assets | 0.5257% | 3,980 |
| Return on assets (ROA) | 0.5276% | 4,129 |
| Pretax return on assets | 0.8678% | 3,413 |
| Return on Equity (ROE) | 5.5965% | 3,791 |
| Retained earnings to average equity (ytd only) | 5.5965% | 2,063 |
| Net charge-offs to loans | 0.2969% | 4,534 |
| Credit loss provision to net charge-offs | 271.5232% | 1,012 |
| Earnings coverage of net charge-offs (x) | 6.5033% | 2,342 |
| Efficiency ratio | 73.2133% | 3,552 |
| Assets per employee ($millions) | 2.3032% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 2,633 |
| Loan loss allowance to noncurrent loans | 31.8915% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 4.6381% | 1,434 |
| Noncurrent loans to loans | 5.8784% | 1,074 |
| Net loans and leases to total assets | 77.4216% | 1,028 |
| Net loans and leases to deposits | 85.1453% | 2,251 |
| Net loans and leases to core deposits | 91.3012% | 2,572 |
| Total domestic deposits to total assets | 90.9288% | 632 |
| Equity capital to assets | 8.9185% | 5,260 |
| Core capital (leverage) ratio | 8.8198% | 4,829 |
| Tier 1 risk-based capital ratio | 11.0551% | 6,289 |
| Total risk-based capital ratio | 12.3128% | 6,254 |
| Memoranda: | ||
| Average total assets | $66,147,400 | 5,995 |
| Average earning assets | $57,614,400 | 6,077 |
| Average equity | $6,236,000 | 6,298 |
| Average total loans | $50,855,600 | 5,449 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7213% | 227 |
| Cost of funding earning assets | 1.7065% | 1,844 |
| Net interest margin | 5.0149% | 429 |
| Noninterest income to average assets | 1.0426% | 1,331 |
| Noninterest expense to average assets | 4.0533% | 984 |
| Loan and lease loss provision to assets | 0.5254% | 2,831 |
| Net operating income to assets | 0.4998% | 4,315 |
| Return on assets (ROA) | 0.5011% | 4,500 |
| Pretax return on assets | 0.8305% | 3,798 |
| Return on Equity (ROE) | 5.2438% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.2438% | 2,817 |
| Net charge-offs to loans | 0.3466% | 3,923 |
| Credit loss provision to net charge-offs | 198.4733% | 1,803 |
| Earnings coverage of net charge-offs (x) | 5.1146% | 2,846 |
| Efficiency ratio | 74.9626% | 3,152 |
| Assets per employee ($millions) | 2.2899% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,261 |
| Loan loss allowance to noncurrent loans | 27.8030% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 4.6472% | 1,434 |
| Noncurrent loans to loans | 6.0007% | 1,040 |
| Net loans and leases to total assets | 76.1513% | 1,378 |
| Net loans and leases to deposits | 84.5466% | 2,609 |
| Net loans and leases to core deposits | 92.3466% | 2,746 |
| Total domestic deposits to total assets | 90.0702% | 845 |
| Equity capital to assets | 9.6904% | 4,560 |
| Core capital (leverage) ratio | 9.6203% | 3,736 |
| Tier 1 risk-based capital ratio | 11.8611% | 5,583 |
| Total risk-based capital ratio | 13.1157% | 5,554 |
| Memoranda: | ||
| Average total assets | $65,985,750 | 6,067 |
| Average earning assets | $57,427,750 | 6,148 |
| Average equity | $6,305,750 | 6,352 |
| Average total loans | $50,394,250 | 5,554 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9200% | 174 |
| Cost of funding earning assets | 1.7492% | 1,870 |
| Net interest margin | 5.1707% | 299 |
| Noninterest income to average assets | 0.8596% | 1,842 |
| Noninterest expense to average assets | 4.1430% | 869 |
| Loan and lease loss provision to assets | 0.4556% | 3,043 |
| Net operating income to assets | 0.3979% | 4,766 |
| Return on assets (ROA) | 0.3979% | 4,925 |
| Pretax return on assets | 0.7502% | 4,064 |
| Return on Equity (ROE) | 4.1835% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.1835% | 3,409 |
| Net charge-offs to loans | 0.4116% | 3,340 |
| Credit loss provision to net charge-offs | 145.6311% | 2,722 |
| Earnings coverage of net charge-offs (x) | 3.8544% | 3,153 |
| Efficiency ratio | 77.4560% | 2,822 |
| Assets per employee ($millions) | 2.1379% | 7,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,779 |
| Loan loss allowance to noncurrent loans | 1,322.0339% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 7,176 |
| Noncurrent loans to loans | 0.1156% | 7,035 |
| Net loans and leases to total assets | 75.8314% | 1,522 |
| Net loans and leases to deposits | 84.0843% | 2,855 |
| Net loans and leases to core deposits | 90.4995% | 3,191 |
| Total domestic deposits to total assets | 90.1850% | 824 |
| Equity capital to assets | 9.5555% | 4,626 |
| Core capital (leverage) ratio | 9.4027% | 3,957 |
| Tier 1 risk-based capital ratio | 11.7722% | 5,521 |
| Total risk-based capital ratio | 13.0239% | 5,484 |
| Memoranda: | ||
| Average total assets | $65,845,670 | 6,110 |
| Average earning assets | $57,168,000 | 6,193 |
| Average equity | $6,262,670 | 6,387 |
| Average total loans | $50,050,000 | 5,604 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9819% | 179 |
| Cost of funding earning assets | 1.7596% | 2,075 |
| Net interest margin | 5.2224% | 277 |
| Noninterest income to average assets | 0.7131% | 2,512 |
| Noninterest expense to average assets | 4.2663% | 747 |
| Loan and lease loss provision to assets | 0.4571% | 2,682 |
| Net operating income to assets | 0.5120% | 4,337 |
| Return on assets (ROA) | 0.5120% | 4,475 |
| Pretax return on assets | 0.5120% | 4,921 |
| Return on Equity (ROE) | 5.3954% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.3954% | 2,935 |
| Net charge-offs to loans | 0.8475% | 1,840 |
| Credit loss provision to net charge-offs | 71.4286% | 4,068 |
| Earnings coverage of net charge-offs (x) | 1.5143% | 3,824 |
| Efficiency ratio | 81.4901% | 2,352 |
| Assets per employee ($millions) | 1.9975% | 7,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,325 |
| Loan loss allowance to noncurrent loans | 7,811.1111% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 7,460 |
| Noncurrent loans to loans | 0.0182% | 7,373 |
| Net loans and leases to total assets | 74.0583% | 1,959 |
| Net loans and leases to deposits | 81.9545% | 3,291 |
| Net loans and leases to core deposits | 87.8794% | 3,637 |
| Total domestic deposits to total assets | 90.3652% | 793 |
| Equity capital to assets | 9.4725% | 4,578 |
| Core capital (leverage) ratio | 9.5374% | 3,709 |
| Tier 1 risk-based capital ratio | 11.8091% | 5,385 |
| Total risk-based capital ratio | 13.0598% | 5,330 |
| Memoranda: | ||
| Average total assets | $65,630,500 | 6,184 |
| Average earning assets | $56,832,500 | 6,284 |
| Average equity | $6,227,500 | 6,438 |
| Average total loans | $49,556,000 | 5,690 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0877% | 247 |
| Cost of funding earning assets | 2.1374% | 2,293 |
| Net interest margin | 4.9503% | 497 |
| Noninterest income to average assets | 1.0348% | 1,456 |
| Noninterest expense to average assets | 4.0078% | 1,352 |
| Loan and lease loss provision to assets | 0.3595% | 4,648 |
| Net operating income to assets | 0.6393% | 3,175 |
| Return on assets (ROA) | 0.6393% | 3,235 |
| Pretax return on assets | 1.0551% | 2,393 |
| Return on Equity (ROE) | 6.6915% | 2,909 |
| Retained earnings to average equity (ytd only) | 6.6915% | 1,075 |
| Net charge-offs to loans | 0.2115% | 5,303 |
| Credit loss provision to net charge-offs | 219.0476% | 1,725 |
| Earnings coverage of net charge-offs (x) | 8.6190% | 1,917 |
| Efficiency ratio | 73.9118% | 3,914 |
| Assets per employee ($millions) | 1.9801% | 7,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 3,842 |
| 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 | 74.7720% | 2,082 |
| Net loans and leases to deposits | 82.7670% | 3,489 |
| Net loans and leases to core deposits | 116.7005% | 2,250 |
| Total domestic deposits to total assets | 90.3404% | 814 |
| Equity capital to assets | 9.5051% | 4,407 |
| Core capital (leverage) ratio | 9.6114% | 3,581 |
| Tier 1 risk-based capital ratio | 11.6918% | 5,206 |
| Total risk-based capital ratio | 12.9440% | 5,162 |
| Memoranda: | ||
| Average total assets | $63,975,400 | 6,198 |
| Average earning assets | $56,704,200 | 6,261 |
| Average equity | $6,112,200 | 6,568 |
| Average total loans | $49,645,600 | 5,687 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1308% | 251 |
| Cost of funding earning assets | 2.2359% | 2,251 |
| Net interest margin | 4.8949% | 560 |
| Noninterest income to average assets | 1.1356% | 1,219 |
| Noninterest expense to average assets | 3.9748% | 1,310 |
| Loan and lease loss provision to assets | 0.2305% | 5,126 |
| Net operating income to assets | 0.8570% | 2,588 |
| Return on assets (ROA) | 0.8570% | 2,652 |
| Pretax return on assets | 1.2928% | 1,968 |
| Return on Equity (ROE) | 8.9580% | 2,275 |
| Retained earnings to average equity (ytd only) | 8.9580% | 846 |
| Net charge-offs to loans | 0.2389% | 4,555 |
| Credit loss provision to net charge-offs | 123.5955% | 4,078 |
| Earnings coverage of net charge-offs (x) | 8.1688% | 2,295 |
| Efficiency ratio | 72.2942% | 4,192 |
| Assets per employee ($millions) | 1.9432% | 7,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 4,773 |
| 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 | 79.4188% | 1,301 |
| Net loans and leases to deposits | 88.5687% | 2,859 |
| Net loans and leases to core deposits | 121.6649% | 2,100 |
| Total domestic deposits to total assets | 89.6692% | 900 |
| Equity capital to assets | 10.0638% | 4,006 |
| Core capital (leverage) ratio | 9.8778% | 3,424 |
| Tier 1 risk-based capital ratio | 11.7051% | 5,242 |
| Total risk-based capital ratio | 12.8836% | 5,237 |
| Memoranda: | ||
| Average total assets | $63,633,250 | 6,260 |
| Average earning assets | $56,710,250 | 6,305 |
| Average equity | $6,087,500 | 6,632 |
| Average total loans | $49,659,000 | 5,740 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9660% | 337 |
| Cost of funding earning assets | 2.2847% | 2,419 |
| Net interest margin | 4.6812% | 827 |
| Noninterest income to average assets | 1.1323% | 1,229 |
| Noninterest expense to average assets | 3.8742% | 1,529 |
| Loan and lease loss provision to assets | 0.0780% | 6,407 |
| Net operating income to assets | 0.8173% | 2,790 |
| Return on assets (ROA) | 0.8173% | 2,884 |
| Pretax return on assets | 1.3600% | 1,828 |
| Return on Equity (ROE) | 8.6889% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.6889% | 1,012 |
| Net charge-offs to loans | 0.2543% | 3,927 |
| Credit loss provision to net charge-offs | 39.6825% | 5,908 |
| Earnings coverage of net charge-offs (x) | 7.3175% | 2,460 |
| Efficiency ratio | 72.9301% | 4,218 |
| Assets per employee ($millions) | 2.0346% | 7,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 5,286 |
| Loan loss allowance to noncurrent loans | 2,280.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 7,509 |
| Noncurrent loans to loans | 0.0503% | 7,413 |
| Net loans and leases to total assets | 77.8831% | 1,768 |
| Net loans and leases to deposits | 86.4692% | 3,465 |
| Net loans and leases to core deposits | 117.0455% | 2,624 |
| Total domestic deposits to total assets | 90.0704% | 801 |
| Equity capital to assets | 9.6997% | 4,348 |
| Core capital (leverage) ratio | 9.5615% | 3,797 |
| Tier 1 risk-based capital ratio | 11.6017% | 5,287 |
| Total risk-based capital ratio | 12.6859% | 5,370 |
| Memoranda: | ||
| Average total assets | $64,116,670 | 6,298 |
| Average earning assets | $57,249,670 | 6,343 |
| Average equity | $6,030,670 | 6,701 |
| Average total loans | $49,540,670 | 5,788 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8496% | 443 |
| Cost of funding earning assets | 2.3526% | 2,496 |
| Net interest margin | 4.4970% | 1,129 |
| Noninterest income to average assets | 0.9963% | 1,491 |
| Noninterest expense to average assets | 3.7192% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8045% | 3,108 |
| Return on assets (ROA) | 0.8045% | 3,265 |
| Pretax return on assets | 1.2872% | 2,323 |
| Return on Equity (ROE) | 8.6855% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.6855% | 1,571 |
| Net charge-offs to loans | -0.0323% | 7,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2892% | 3,775 |
| Assets per employee ($millions) | 2.3374% | 7,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 4,496 |
| Loan loss allowance to noncurrent loans | 1,082.4561% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 7,331 |
| Noncurrent loans to loans | 0.1150% | 7,198 |
| Net loans and leases to total assets | 74.8208% | 2,549 |
| Net loans and leases to deposits | 83.5703% | 4,047 |
| Net loans and leases to core deposits | 111.6589% | 3,244 |
| Total domestic deposits to total assets | 89.5305% | 992 |
| Equity capital to assets | 9.1417% | 5,165 |
| Core capital (leverage) ratio | 9.2410% | 4,346 |
| Tier 1 risk-based capital ratio | 11.0933% | 5,815 |
| Total risk-based capital ratio | 12.2402% | 5,812 |
| Memoranda: | ||
| Average total assets | $64,638,000 | 6,305 |
| Average earning assets | $57,638,500 | 6,350 |
| Average equity | $5,987,000 | 6,766 |
| Average total loans | $49,464,000 | 5,823 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3038% | 590 |
| Cost of funding earning assets | 3.4279% | 659 |
| Net interest margin | 3.8760% | 3,675 |
| Noninterest income to average assets | 1.1155% | 1,256 |
| Noninterest expense to average assets | 3.2192% | 3,263 |
| Loan and lease loss provision to assets | 0.0808% | 6,380 |
| Net operating income to assets | 0.7976% | 3,444 |
| Return on assets (ROA) | 0.8234% | 3,177 |
| Pretax return on assets | 1.3501% | 2,128 |
| Return on Equity (ROE) | 9.1518% | 2,592 |
| Retained earnings to average equity (ytd only) | 9.1518% | 582 |
| Net charge-offs to loans | 0.0703% | 5,764 |
| Credit loss provision to net charge-offs | 152.9412% | 3,420 |
| Earnings coverage of net charge-offs (x) | 26.3235% | 1,293 |
| Efficiency ratio | 69.8349% | 4,386 |
| Assets per employee ($millions) | 2.4550% | 7,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 4,310 |
| Loan loss allowance to noncurrent loans | 10,116.6667% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 7,594 |
| Noncurrent loans to loans | 0.0122% | 7,498 |
| Net loans and leases to total assets | 76.3540% | 2,528 |
| Net loans and leases to deposits | 84.4894% | 4,336 |
| Net loans and leases to core deposits | 113.6117% | 3,381 |
| Total domestic deposits to total assets | 90.3711% | 530 |
| Equity capital to assets | 9.3860% | 4,838 |
| Core capital (leverage) ratio | 9.3654% | 4,211 |
| Tier 1 risk-based capital ratio | 11.5037% | 5,238 |
| Total risk-based capital ratio | 12.6745% | 5,217 |
| Memoranda: | ||
| Average total assets | $64,364,600 | 6,216 |
| Average earning assets | $58,024,200 | 6,261 |
| Average equity | $5,791,200 | 6,880 |
| Average total loans | $48,331,800 | 5,765 |