Home > Prairie National Bank > Performance and Condition Ratios
Prairie National Bank, Performance and Condition Ratios
| 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 | 2.7944% | 6,022 |
| Cost of funding earning assets | 0.4165% | 3,075 |
| Net interest margin | 2.3779% | 6,052 |
| Noninterest income to average assets | 0.4956% | 3,407 |
| Noninterest expense to average assets | 1.6508% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7443% | 3,667 |
| Return on assets (ROA) | 0.7252% | 3,884 |
| Pretax return on assets | 0.9620% | 3,733 |
| Return on Equity (ROE) | 5.5519% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.5519% | 2,508 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7017% | 5,145 |
| Assets per employee ($millions) | 3.3666% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 5,860 |
| Noncurrent loans to loans | 0.0170% | 5,695 |
| Net loans and leases to total assets | 54.4481% | 4,511 |
| Net loans and leases to deposits | 64.1183% | 4,520 |
| Net loans and leases to core deposits | 64.8384% | 4,747 |
| Total domestic deposits to total assets | 84.9181% | 3,149 |
| Equity capital to assets | 14.9723% | 711 |
| Core capital (leverage) ratio | 11.6729% | 1,860 |
| Tier 1 risk-based capital ratio | 18.9285% | 1,804 |
| Total risk-based capital ratio | 18.9285% | 2,113 |
| Memoranda: | ||
| Average total assets | $54,883,670 | 5,566 |
| Average earning assets | $49,455,670 | 5,577 |
| Average equity | $7,168,670 | 5,325 |
| Average total loans | $29,934,330 | 5,474 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2129% | 6,304 |
| Cost of funding earning assets | 0.3610% | 3,741 |
| Net interest margin | 1.8519% | 6,310 |
| Noninterest income to average assets | 0.3683% | 4,269 |
| Noninterest expense to average assets | 1.2565% | 6,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5705% | 4,401 |
| Return on assets (ROA) | 0.5705% | 4,507 |
| Pretax return on assets | 0.8160% | 4,179 |
| Return on Equity (ROE) | 4.7020% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.7020% | 3,216 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7944% | 5,458 |
| Assets per employee ($millions) | 3.4668% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.0967% | 4,842 |
| Net loans and leases to deposits | 58.1453% | 4,905 |
| Net loans and leases to core deposits | 58.7317% | 5,076 |
| Total domestic deposits to total assets | 86.1579% | 2,859 |
| Equity capital to assets | 13.6114% | 1,123 |
| Core capital (leverage) ratio | 11.3353% | 2,128 |
| Tier 1 risk-based capital ratio | 18.6594% | 1,957 |
| Total risk-based capital ratio | 18.6594% | 2,286 |
| Memoranda: | ||
| Average total assets | $55,392,500 | 5,605 |
| Average earning assets | $50,973,500 | 5,591 |
| Average equity | $6,720,500 | 5,457 |
| Average total loans | $30,237,000 | 5,500 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,742 |
| Cost of funding earning assets | 0.5983% | 1,771 |
| Net interest margin | 3.1146% | 5,171 |
| Noninterest income to average assets | 0.3838% | 4,306 |
| Noninterest expense to average assets | 2.5341% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7749% | 3,500 |
| Return on assets (ROA) | 0.7859% | 3,532 |
| Pretax return on assets | 0.7859% | 4,309 |
| Return on Equity (ROE) | 8.1595% | 3,046 |
| Retained earnings to average equity (ytd only) | 1.7730% | 4,924 |
| Net charge-offs to loans | 0.0127% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 105.5000% | 496 |
| Efficiency ratio | 76.5816% | 2,426 |
| Assets per employee ($millions) | 3.0499% | 5,632 |
| Cash dividends to net income (ytd only)* | 78.2710% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 4,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.0870% | 3,910 |
| Net loans and leases to deposits | 66.1442% | 4,306 |
| Net loans and leases to core deposits | 66.8821% | 4,607 |
| Total domestic deposits to total assets | 89.3306% | 1,055 |
| Equity capital to assets | 10.4515% | 3,545 |
| Core capital (leverage) ratio | 10.1882% | 3,324 |
| Tier 1 risk-based capital ratio | 16.0931% | 2,920 |
| Total risk-based capital ratio | 17.0265% | 3,020 |
| Memoranda: | ||
| Average total assets | $54,457,800 | 5,689 |
| Average earning assets | $51,146,800 | 5,642 |
| Average equity | $5,245,400 | 5,805 |
| Average total loans | $31,435,200 | 5,510 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 4,786 |
| Cost of funding earning assets | 0.6031% | 1,800 |
| Net interest margin | 3.1236% | 5,187 |
| Noninterest income to average assets | 0.3919% | 4,310 |
| Noninterest expense to average assets | 2.4145% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9097% | 2,868 |
| Return on assets (ROA) | 0.9242% | 2,895 |
| Pretax return on assets | 0.9242% | 3,889 |
| Return on Equity (ROE) | 9.7908% | 2,318 |
| Retained earnings to average equity (ytd only) | 4.0240% | 3,783 |
| Net charge-offs to loans | 0.0169% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 94.0563% | 612 |
| Efficiency ratio | 72.6346% | 3,070 |
| Assets per employee ($millions) | 2.9382% | 5,800 |
| Cash dividends to net income (ytd only)* | 58.9001% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 5,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 59.4078% | 3,883 |
| Net loans and leases to deposits | 66.4334% | 4,287 |
| Net loans and leases to core deposits | 67.1576% | 4,591 |
| Total domestic deposits to total assets | 89.4246% | 1,016 |
| Equity capital to assets | 10.2747% | 3,820 |
| Core capital (leverage) ratio | 9.9377% | 3,759 |
| Tier 1 risk-based capital ratio | 15.6929% | 3,217 |
| Total risk-based capital ratio | 16.5907% | 3,335 |
| Memoranda: | ||
| Average total assets | $55,110,000 | 5,733 |
| Average earning assets | $51,733,500 | 5,689 |
| Average equity | $5,202,000 | 5,873 |
| Average total loans | $31,556,750 | 5,559 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 4,949 |
| Cost of funding earning assets | 0.6065% | 1,852 |
| Net interest margin | 3.0632% | 5,361 |
| Noninterest income to average assets | 0.3760% | 4,437 |
| Noninterest expense to average assets | 2.4171% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8344% | 3,154 |
| Return on assets (ROA) | 0.8594% | 3,117 |
| Pretax return on assets | 0.8594% | 4,044 |
| Return on Equity (ROE) | 9.3665% | 2,428 |
| Retained earnings to average equity (ytd only) | 3.5124% | 3,965 |
| Net charge-offs to loans | 0.0254% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 58.2500% | 822 |
| Efficiency ratio | 74.3392% | 2,917 |
| Assets per employee ($millions) | 3.0681% | 5,653 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 5,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.0732% | 4,272 |
| Net loans and leases to deposits | 62.2978% | 4,664 |
| Net loans and leases to core deposits | 62.9436% | 4,905 |
| Total domestic deposits to total assets | 90.0083% | 807 |
| Equity capital to assets | 9.6585% | 4,546 |
| Core capital (leverage) ratio | 9.6416% | 4,122 |
| Tier 1 risk-based capital ratio | 15.2640% | 3,486 |
| Total risk-based capital ratio | 16.1498% | 3,635 |
| Memoranda: | ||
| Average total assets | $55,851,000 | 5,765 |
| Average earning assets | $52,428,000 | 5,722 |
| Average equity | $5,124,670 | 5,928 |
| Average total loans | $31,498,330 | 5,606 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 5,157 |
| Cost of funding earning assets | 0.6297% | 1,739 |
| Net interest margin | 2.9738% | 5,585 |
| Noninterest income to average assets | 0.3775% | 4,368 |
| Noninterest expense to average assets | 2.4073% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7621% | 3,347 |
| Return on assets (ROA) | 0.7692% | 3,398 |
| Pretax return on assets | 0.7692% | 4,232 |
| Return on Equity (ROE) | 8.6056% | 2,639 |
| Retained earnings to average equity (ytd only) | 6.6135% | 2,226 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9551% | 2,813 |
| Assets per employee ($millions) | 3.1556% | 5,586 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 5,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.8212% | 4,304 |
| Net loans and leases to deposits | 60.4688% | 4,715 |
| Net loans and leases to core deposits | 61.0724% | 4,957 |
| Total domestic deposits to total assets | 90.6604% | 704 |
| Equity capital to assets | 9.1020% | 4,999 |
| Core capital (leverage) ratio | 9.5700% | 4,176 |
| Tier 1 risk-based capital ratio | 14.9511% | 3,735 |
| Total risk-based capital ratio | 15.8311% | 3,908 |
| Memoranda: | ||
| Average total assets | $56,163,500 | 5,806 |
| Average earning assets | $52,726,500 | 5,768 |
| Average equity | $5,020,000 | 5,989 |
| Average total loans | $31,607,500 | 5,645 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 5,028 |
| Cost of funding earning assets | 0.7157% | 1,707 |
| Net interest margin | 3.0169% | 5,539 |
| Noninterest income to average assets | 0.3638% | 4,705 |
| Noninterest expense to average assets | 2.5053% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6826% | 3,887 |
| Return on assets (ROA) | 0.7691% | 3,544 |
| Pretax return on assets | 0.7691% | 4,266 |
| Return on Equity (ROE) | 7.9356% | 3,063 |
| Retained earnings to average equity (ytd only) | 1.8956% | 4,884 |
| Net charge-offs to loans | -0.0102% | 6,021 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5876% | 2,374 |
| Assets per employee ($millions) | 3.2662% | 5,351 |
| Cash dividends to net income (ytd only)* | 76.1124% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 5,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 56.6257% | 4,238 |
| Net loans and leases to deposits | 62.2614% | 4,696 |
| Net loans and leases to core deposits | 62.8941% | 4,982 |
| Total domestic deposits to total assets | 90.9484% | 591 |
| Equity capital to assets | 8.7707% | 5,287 |
| Core capital (leverage) ratio | 9.3668% | 4,447 |
| Tier 1 risk-based capital ratio | 14.2481% | 4,119 |
| Total risk-based capital ratio | 15.1004% | 4,343 |
| Memoranda: | ||
| Average total assets | $55,522,400 | 5,888 |
| Average earning assets | $51,974,000 | 5,837 |
| Average equity | $5,380,800 | 5,969 |
| Average total loans | $29,384,200 | 5,793 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 5,032 |
| Cost of funding earning assets | 0.7215% | 1,797 |
| Net interest margin | 3.0299% | 5,521 |
| Noninterest income to average assets | 0.3890% | 4,611 |
| Noninterest expense to average assets | 2.3798% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8429% | 3,134 |
| Return on assets (ROA) | 0.9582% | 2,650 |
| Pretax return on assets | 0.9582% | 3,655 |
| Return on Equity (ROE) | 9.6576% | 2,327 |
| Retained earnings to average equity (ytd only) | 1.7911% | 5,245 |
| Net charge-offs to loans | -0.0139% | 5,960 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8450% | 3,096 |
| Assets per employee ($millions) | 3.4254% | 5,005 |
| Cash dividends to net income (ytd only)* | 81.4527% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 5,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.2166% | 4,426 |
| Net loans and leases to deposits | 60.7268% | 4,900 |
| Net loans and leases to core deposits | 61.6849% | 5,148 |
| Total domestic deposits to total assets | 90.9262% | 566 |
| Equity capital to assets | 8.8567% | 5,350 |
| Core capital (leverage) ratio | 9.3711% | 4,575 |
| Tier 1 risk-based capital ratio | 14.5138% | 4,066 |
| Total risk-based capital ratio | 15.3865% | 4,276 |
| Memoranda: | ||
| Average total assets | $55,521,500 | 5,950 |
| Average earning assets | $51,926,000 | 5,903 |
| Average equity | $5,508,500 | 5,999 |
| Average total loans | $28,790,500 | 5,877 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 4,878 |
| Cost of funding earning assets | 0.7197% | 1,923 |
| Net interest margin | 3.0634% | 5,384 |
| Noninterest income to average assets | 0.4304% | 4,305 |
| Noninterest expense to average assets | 2.2597% | 5,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0258% | 2,214 |
| Return on assets (ROA) | 1.1980% | 1,707 |
| Pretax return on assets | 1.1980% | 2,684 |
| Return on Equity (ROE) | 11.6647% | 1,584 |
| Retained earnings to average equity (ytd only) | 7.2992% | 1,744 |
| Net charge-offs to loans | -0.0071% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7773% | 4,045 |
| Assets per employee ($millions) | 2.9331% | 5,962 |
| Cash dividends to net income (ytd only)* | 37.4251% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 51.5602% | 4,922 |
| Net loans and leases to deposits | 57.2333% | 5,221 |
| Net loans and leases to core deposits | 58.1272% | 5,411 |
| Total domestic deposits to total assets | 90.0877% | 978 |
| Equity capital to assets | 9.6646% | 4,364 |
| Core capital (leverage) ratio | 9.5719% | 4,118 |
| Tier 1 risk-based capital ratio | 15.7177% | 3,354 |
| Total risk-based capital ratio | 16.6303% | 3,506 |
| Memoranda: | ||
| Average total assets | $55,760,000 | 5,976 |
| Average earning assets | $51,968,000 | 5,937 |
| Average equity | $5,726,670 | 5,990 |
| Average total loans | $28,194,330 | 5,927 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 4,917 |
| Cost of funding earning assets | 0.7114% | 2,121 |
| Net interest margin | 3.0597% | 5,401 |
| Noninterest income to average assets | 0.4662% | 4,017 |
| Noninterest expense to average assets | 2.2591% | 5,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0757% | 1,949 |
| Return on assets (ROA) | 1.0829% | 2,033 |
| Pretax return on assets | 1.0829% | 3,021 |
| Return on Equity (ROE) | 10.2425% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.2425% | 1,047 |
| Net charge-offs to loans | -0.0144% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7419% | 4,359 |
| Assets per employee ($millions) | 3.7709% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 49.1328% | 5,096 |
| Net loans and leases to deposits | 55.0306% | 5,341 |
| Net loans and leases to core deposits | 55.8838% | 5,529 |
| Total domestic deposits to total assets | 89.2827% | 1,499 |
| Equity capital to assets | 10.4910% | 3,547 |
| Core capital (leverage) ratio | 9.5986% | 3,929 |
| Tier 1 risk-based capital ratio | 15.3751% | 3,605 |
| Total risk-based capital ratio | 16.2753% | 3,780 |
| Memoranda: | ||
| Average total assets | $55,775,500 | 6,029 |
| Average earning assets | $52,293,500 | 5,976 |
| Average equity | $5,897,000 | 6,011 |
| Average total loans | $27,767,500 | 6,000 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 5,341 |
| Cost of funding earning assets | 0.8194% | 2,515 |
| Net interest margin | 3.1704% | 5,643 |
| Noninterest income to average assets | 0.4375% | 4,340 |
| Noninterest expense to average assets | 2.7870% | 4,075 |
| Loan and lease loss provision to assets | 0.0221% | 5,625 |
| Net operating income to assets | 0.5662% | 4,397 |
| Return on assets (ROA) | 1.0773% | 2,209 |
| Pretax return on assets | 1.0773% | 3,245 |
| Return on Equity (ROE) | 10.2584% | 2,067 |
| Retained earnings to average equity (ytd only) | 5.0067% | 2,699 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5708% | 1,798 |
| Assets per employee ($millions) | 3.2346% | 5,551 |
| Cash dividends to net income (ytd only)* | 51.1945% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.3126% | 5,264 |
| Net loans and leases to deposits | 55.3230% | 5,511 |
| Net loans and leases to core deposits | 56.2048% | 5,704 |
| Total domestic deposits to total assets | 89.1358% | 1,478 |
| Equity capital to assets | 10.6569% | 3,330 |
| Core capital (leverage) ratio | 9.4144% | 4,239 |
| Tier 1 risk-based capital ratio | 15.5243% | 3,407 |
| Total risk-based capital ratio | 16.4592% | 3,550 |
| Memoranda: | ||
| Average total assets | $54,395,600 | 6,068 |
| Average earning assets | $50,404,000 | 6,033 |
| Average equity | $5,712,400 | 6,095 |
| Average total loans | $27,313,800 | 6,065 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 5,411 |
| Cost of funding earning assets | 0.8346% | 2,671 |
| Net interest margin | 3.2028% | 5,695 |
| Noninterest income to average assets | 0.4350% | 4,391 |
| Noninterest expense to average assets | 2.7183% | 4,295 |
| Loan and lease loss provision to assets | 0.0295% | 5,412 |
| Net operating income to assets | 0.6489% | 4,146 |
| Return on assets (ROA) | 1.2953% | 1,598 |
| Pretax return on assets | 1.2953% | 2,626 |
| Return on Equity (ROE) | 12.3804% | 1,503 |
| Retained earnings to average equity (ytd only) | 10.0312% | 907 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0289% | 2,090 |
| Assets per employee ($millions) | 3.2171% | 5,603 |
| Cash dividends to net income (ytd only)* | 18.9753% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 48.5336% | 5,488 |
| Net loans and leases to deposits | 54.5300% | 5,762 |
| Net loans and leases to core deposits | 55.1153% | 5,954 |
| Total domestic deposits to total assets | 89.0035% | 1,422 |
| Equity capital to assets | 10.7625% | 3,541 |
| Core capital (leverage) ratio | 9.9178% | 3,671 |
| Tier 1 risk-based capital ratio | 16.6516% | 2,920 |
| Total risk-based capital ratio | 17.6277% | 3,039 |
| Memoranda: | ||
| Average total assets | $54,247,500 | 6,144 |
| Average earning assets | $50,163,000 | 6,111 |
| Average equity | $5,675,500 | 6,179 |
| Average total loans | $27,284,750 | 6,148 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 5,311 |
| Cost of funding earning assets | 0.8627% | 2,710 |
| Net interest margin | 3.2391% | 5,623 |
| Noninterest income to average assets | 0.3475% | 5,059 |
| Noninterest expense to average assets | 2.7874% | 4,062 |
| Loan and lease loss provision to assets | 0.0444% | 5,125 |
| Net operating income to assets | 0.5139% | 4,750 |
| Return on assets (ROA) | 1.2311% | 1,798 |
| Pretax return on assets | 1.2311% | 2,801 |
| Return on Equity (ROE) | 11.8815% | 1,707 |
| Retained earnings to average equity (ytd only) | 8.3135% | 1,516 |
| Net charge-offs to loans | 0.0438% | 4,765 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 25.1667% | 1,205 |
| Efficiency ratio | 83.3149% | 1,702 |
| Assets per employee ($millions) | 2.9773% | 6,111 |
| Cash dividends to net income (ytd only)* | 30.0300% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 5,594 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 49.0110% | 5,483 |
| Net loans and leases to deposits | 55.0039% | 5,770 |
| Net loans and leases to core deposits | 55.6035% | 5,974 |
| Total domestic deposits to total assets | 89.1047% | 1,449 |
| Equity capital to assets | 10.5781% | 3,594 |
| Core capital (leverage) ratio | 9.5676% | 4,048 |
| Tier 1 risk-based capital ratio | 15.7436% | 3,306 |
| Total risk-based capital ratio | 16.6829% | 3,451 |
| Memoranda: | ||
| Average total assets | $54,100,000 | 6,185 |
| Average earning assets | $50,076,000 | 6,155 |
| Average equity | $5,605,330 | 6,214 |
| Average total loans | $27,427,330 | 6,183 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 5,026 |
| Cost of funding earning assets | 0.9197% | 2,522 |
| Net interest margin | 3.3028% | 5,466 |
| Noninterest income to average assets | 0.3974% | 4,694 |
| Noninterest expense to average assets | 2.8406% | 3,860 |
| Loan and lease loss provision to assets | 0.0442% | 4,850 |
| Net operating income to assets | 0.5519% | 4,583 |
| Return on assets (ROA) | 1.7736% | 708 |
| Pretax return on assets | 1.7736% | 1,138 |
| Return on Equity (ROE) | 17.2961% | 628 |
| Retained earnings to average equity (ytd only) | 17.2961% | 292 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6552% | 1,852 |
| Assets per employee ($millions) | 2.8507% | 6,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 5,201 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 49.8181% | 5,332 |
| Net loans and leases to deposits | 55.7304% | 5,637 |
| Net loans and leases to core deposits | 56.3272% | 5,878 |
| Total domestic deposits to total assets | 89.3913% | 1,426 |
| Equity capital to assets | 10.3779% | 3,638 |
| Core capital (leverage) ratio | 9.5059% | 4,039 |
| Tier 1 risk-based capital ratio | 16.3220% | 3,004 |
| Total risk-based capital ratio | 17.2945% | 3,119 |
| Memoranda: | ||
| Average total assets | $54,354,000 | 6,219 |
| Average earning assets | $50,017,500 | 6,194 |
| Average equity | $5,573,500 | 6,253 |
| Average total loans | $27,854,000 | 6,202 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 5,158 |
| Cost of funding earning assets | 1.1775% | 2,181 |
| Net interest margin | 3.3012% | 5,799 |
| Noninterest income to average assets | 0.3955% | 4,652 |
| Noninterest expense to average assets | 2.8203% | 4,268 |
| Loan and lease loss provision to assets | 0.3902% | 2,652 |
| Net operating income to assets | 0.2370% | 5,473 |
| Return on assets (ROA) | 0.4508% | 4,848 |
| Pretax return on assets | 0.4508% | 5,126 |
| Return on Equity (ROE) | 4.8689% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.0200% | 5,383 |
| Net charge-offs to loans | 1.2394% | 1,343 |
| Credit loss provision to net charge-offs | 59.6730% | 5,180 |
| Earnings coverage of net charge-offs (x) | 0.9591% | 5,080 |
| Efficiency ratio | 81.8088% | 2,047 |
| Assets per employee ($millions) | 2.8708% | 6,336 |
| Cash dividends to net income (ytd only)* | 79.0514% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 5,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 5,300 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 51.5446% | 5,380 |
| Net loans and leases to deposits | 58.6634% | 5,640 |
| Net loans and leases to core deposits | 60.6711% | 5,788 |
| Total domestic deposits to total assets | 87.8651% | 2,242 |
| Equity capital to assets | 10.1311% | 3,995 |
| Core capital (leverage) ratio | 8.6456% | 5,322 |
| Tier 1 risk-based capital ratio | 14.6208% | 3,886 |
| Total risk-based capital ratio | 15.5165% | 4,098 |
| Memoranda: | ||
| Average total assets | $56,128,400 | 6,159 |
| Average earning assets | $51,891,000 | 6,126 |
| Average equity | $5,196,200 | 6,389 |
| Average total loans | $29,611,000 | 6,176 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 5,403 |
| Cost of funding earning assets | 1.2278% | 2,139 |
| Net interest margin | 3.2290% | 6,083 |
| Noninterest income to average assets | 0.3845% | 4,776 |
| Noninterest expense to average assets | 2.7433% | 4,565 |
| Loan and lease loss provision to assets | 0.2901% | 3,195 |
| Net operating income to assets | 0.3350% | 5,272 |
| Return on assets (ROA) | 0.3680% | 5,318 |
| Pretax return on assets | 0.3680% | 5,558 |
| Return on Equity (ROE) | 4.0673% | 4,964 |
| Retained earnings to average equity (ytd only) | 0.1564% | 5,913 |
| Net charge-offs to loans | 0.5171% | 2,688 |
| Credit loss provision to net charge-offs | 106.0345% | 3,124 |
| Earnings coverage of net charge-offs (x) | 2.2845% | 3,989 |
| Efficiency ratio | 81.4426% | 2,050 |
| Assets per employee ($millions) | 3.1966% | 5,694 |
| Cash dividends to net income (ytd only)* | 96.1585% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,705 |
| Loan loss allowance to noncurrent loans | 66.5211% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.4755% | 3,910 |
| Noncurrent loans to loans | 2.3936% | 2,897 |
| Net loans and leases to total assets | 49.0893% | 5,825 |
| Net loans and leases to deposits | 55.5807% | 6,066 |
| Net loans and leases to core deposits | 57.3596% | 6,188 |
| Total domestic deposits to total assets | 88.3208% | 1,861 |
| Equity capital to assets | 9.6736% | 4,817 |
| Core capital (leverage) ratio | 8.4254% | 5,813 |
| Tier 1 risk-based capital ratio | 13.7231% | 4,560 |
| Total risk-based capital ratio | 14.9740% | 4,517 |
| Memoranda: | ||
| Average total assets | $56,524,250 | 6,197 |
| Average earning assets | $52,233,000 | 6,161 |
| Average equity | $5,113,750 | 6,462 |
| Average total loans | $29,909,500 | 6,223 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 5,507 |
| Cost of funding earning assets | 1.2607% | 2,182 |
| Net interest margin | 3.1940% | 6,179 |
| Noninterest income to average assets | 0.4058% | 4,629 |
| Noninterest expense to average assets | 2.6839% | 4,886 |
| Loan and lease loss provision to assets | 0.2029% | 3,896 |
| Net operating income to assets | 0.4770% | 4,606 |
| Return on assets (ROA) | 0.4948% | 4,667 |
| Pretax return on assets | 0.4948% | 5,093 |
| Return on Equity (ROE) | 5.6015% | 4,154 |
| Retained earnings to average equity (ytd only) | -0.4433% | 5,943 |
| Net charge-offs to loans | 0.5344% | 2,495 |
| Credit loss provision to net charge-offs | 70.3704% | 4,048 |
| Earnings coverage of net charge-offs (x) | 2.3580% | 3,646 |
| Efficiency ratio | 79.7884% | 2,420 |
| Assets per employee ($millions) | 3.1781% | 5,683 |
| Cash dividends to net income (ytd only)* | 107.9137% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 4,348 |
| Loan loss allowance to noncurrent loans | 47.1761% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.8617% | 3,418 |
| Noncurrent loans to loans | 3.0732% | 2,347 |
| Net loans and leases to total assets | 50.6188% | 5,737 |
| Net loans and leases to deposits | 58.1828% | 5,917 |
| Net loans and leases to core deposits | 61.0688% | 5,993 |
| Total domestic deposits to total assets | 86.9996% | 2,735 |
| Equity capital to assets | 9.0672% | 5,489 |
| Core capital (leverage) ratio | 8.6235% | 5,356 |
| Tier 1 risk-based capital ratio | 13.6995% | 4,386 |
| Total risk-based capital ratio | 14.8993% | 4,395 |
| Memoranda: | ||
| Average total assets | $56,186,330 | 6,256 |
| Average earning assets | $52,035,670 | 6,218 |
| Average equity | $4,963,000 | 6,547 |
| Average total loans | $30,312,000 | 6,266 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 5,432 |
| Cost of funding earning assets | 1.3093% | 2,125 |
| Net interest margin | 3.1642% | 6,182 |
| Noninterest income to average assets | 0.4239% | 4,501 |
| Noninterest expense to average assets | 2.8091% | 4,401 |
| Loan and lease loss provision to assets | 0.0431% | 5,452 |
| Net operating income to assets | 0.4885% | 4,530 |
| Return on assets (ROA) | 0.4885% | 4,616 |
| Pretax return on assets | 0.4885% | 5,062 |
| Return on Equity (ROE) | 5.6071% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.6071% | 2,848 |
| Net charge-offs to loans | -0.0130% | 6,442 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0860% | 1,947 |
| Assets per employee ($millions) | 2.8298% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 4,116 |
| Loan loss allowance to noncurrent loans | 52.1689% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 1.8341% | 3,517 |
| Noncurrent loans to loans | 2.9105% | 2,584 |
| Net loans and leases to total assets | 52.3739% | 5,530 |
| Net loans and leases to deposits | 60.6155% | 5,661 |
| Net loans and leases to core deposits | 63.3301% | 5,803 |
| Total domestic deposits to total assets | 86.4034% | 3,287 |
| Equity capital to assets | 8.8206% | 5,460 |
| Core capital (leverage) ratio | 8.7937% | 4,942 |
| Tier 1 risk-based capital ratio | 13.9580% | 4,098 |
| Total risk-based capital ratio | 15.2095% | 4,074 |
| Memoranda: | ||
| Average total assets | $55,676,500 | 6,319 |
| Average earning assets | $51,324,000 | 6,296 |
| Average equity | $4,851,000 | 6,603 |
| Average total loans | $30,776,500 | 6,303 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 5,362 |
| Cost of funding earning assets | 1.6349% | 1,888 |
| Net interest margin | 3.1809% | 6,311 |
| Noninterest income to average assets | 1.0360% | 1,401 |
| Noninterest expense to average assets | 3.1350% | 3,324 |
| Loan and lease loss provision to assets | 0.3357% | 4,134 |
| Net operating income to assets | 0.4630% | 4,262 |
| Return on assets (ROA) | 0.5209% | 4,156 |
| Pretax return on assets | 0.5209% | 4,546 |
| Return on Equity (ROE) | 5.4965% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.9697% | 3,090 |
| Net charge-offs to loans | 0.5415% | 3,444 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 2.3793% | 3,950 |
| Efficiency ratio | 79.6959% | 2,455 |
| Assets per employee ($millions) | 2.8820% | 6,372 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 4,374 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7751% | 3,653 |
| Noncurrent loans to loans | 2.5751% | 2,955 |
| Net loans and leases to total assets | 56.6219% | 5,238 |
| Net loans and leases to deposits | 65.4791% | 5,456 |
| Net loans and leases to core deposits | 68.4286% | 5,614 |
| Total domestic deposits to total assets | 86.4732% | 3,095 |
| Equity capital to assets | 8.6015% | 5,721 |
| Core capital (leverage) ratio | 8.7770% | 4,890 |
| Tier 1 risk-based capital ratio | 13.7643% | 4,009 |
| Total risk-based capital ratio | 15.0158% | 3,990 |
| Memoranda: | ||
| Average total assets | $51,833,800 | 6,471 |
| Average earning assets | $47,218,800 | 6,468 |
| Average equity | $4,912,200 | 6,697 |
| Average total loans | $32,131,200 | 6,307 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8590% | 5,441 |
| Cost of funding earning assets | 1.7057% | 1,849 |
| Net interest margin | 3.1534% | 6,474 |
| Noninterest income to average assets | 1.0958% | 1,179 |
| Noninterest expense to average assets | 3.1831% | 2,988 |
| Loan and lease loss provision to assets | 0.0470% | 6,619 |
| Net operating income to assets | 0.7358% | 3,256 |
| Return on assets (ROA) | 0.8140% | 3,084 |
| Pretax return on assets | 0.8140% | 3,850 |
| Return on Equity (ROE) | 8.3822% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.3822% | 1,280 |
| Net charge-offs to loans | 0.5407% | 3,139 |
| Credit loss provision to net charge-offs | 13.7405% | 6,304 |
| Earnings coverage of net charge-offs (x) | 2.2901% | 4,019 |
| Efficiency ratio | 80.2632% | 2,299 |
| Assets per employee ($millions) | 2.8184% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 6,186 |
| Loan loss allowance to noncurrent loans | 45.6640% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 1.7778% | 3,777 |
| Noncurrent loans to loans | 2.2911% | 3,344 |
| Net loans and leases to total assets | 59.5238% | 5,000 |
| Net loans and leases to deposits | 69.8998% | 5,160 |
| Net loans and leases to core deposits | 73.6739% | 5,333 |
| Total domestic deposits to total assets | 85.1559% | 3,542 |
| Equity capital to assets | 9.7927% | 4,423 |
| Core capital (leverage) ratio | 9.7456% | 3,562 |
| Tier 1 risk-based capital ratio | 14.4797% | 3,519 |
| Total risk-based capital ratio | 15.4574% | 3,656 |
| Memoranda: | ||
| Average total assets | $51,102,750 | 6,569 |
| Average earning assets | $46,510,000 | 6,577 |
| Average equity | $4,962,750 | 6,763 |
| Average total loans | $32,300,250 | 6,378 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 5,449 |
| Cost of funding earning assets | 1.7677% | 1,780 |
| Net interest margin | 3.1195% | 6,552 |
| Noninterest income to average assets | 1.3085% | 742 |
| Noninterest expense to average assets | 3.2812% | 2,625 |
| Loan and lease loss provision to assets | 0.0477% | 6,488 |
| Net operating income to assets | 0.8432% | 2,758 |
| Return on assets (ROA) | 0.9625% | 2,407 |
| Pretax return on assets | 0.9625% | 3,266 |
| Return on Equity (ROE) | 9.9404% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.9404% | 858 |
| Net charge-offs to loans | 0.8166% | 2,207 |
| Credit loss provision to net charge-offs | 9.0909% | 5,949 |
| Earnings coverage of net charge-offs (x) | 1.6970% | 4,238 |
| Efficiency ratio | 78.6463% | 2,634 |
| Assets per employee ($millions) | 2.5967% | 6,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 6,328 |
| Loan loss allowance to noncurrent loans | 41.4573% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 1.7086% | 3,881 |
| Noncurrent loans to loans | 2.4524% | 3,195 |
| Net loans and leases to total assets | 65.1182% | 4,016 |
| Net loans and leases to deposits | 79.1311% | 3,772 |
| Net loans and leases to core deposits | 81.0310% | 4,549 |
| Total domestic deposits to total assets | 82.2915% | 4,869 |
| Equity capital to assets | 10.2578% | 3,694 |
| Core capital (leverage) ratio | 10.0091% | 3,155 |
| Tier 1 risk-based capital ratio | 14.5595% | 3,409 |
| Total risk-based capital ratio | 15.5354% | 3,521 |
| Memoranda: | ||
| Average total assets | $50,287,000 | 6,637 |
| Average earning assets | $46,161,670 | 6,628 |
| Average equity | $4,869,000 | 6,825 |
| Average total loans | $32,329,670 | 6,418 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 5,258 |
| Cost of funding earning assets | 1.8644% | 1,589 |
| Net interest margin | 3.0789% | 6,647 |
| Noninterest income to average assets | 0.5752% | 3,456 |
| Noninterest expense to average assets | 3.0732% | 3,376 |
| Loan and lease loss provision to assets | 0.0473% | 6,191 |
| Net operating income to assets | 0.2916% | 5,328 |
| Return on assets (ROA) | 0.2916% | 5,459 |
| Pretax return on assets | 0.2916% | 5,626 |
| Return on Equity (ROE) | 3.1008% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.1008% | 4,277 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0693% | 1,432 |
| Assets per employee ($millions) | 2.4601% | 7,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 4,290 |
| Loan loss allowance to noncurrent loans | 63.3333% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.6320% | 2,767 |
| Noncurrent loans to loans | 2.2514% | 3,456 |
| Net loans and leases to total assets | 64.0706% | 4,310 |
| Net loans and leases to deposits | 77.2571% | 4,175 |
| Net loans and leases to core deposits | 79.5759% | 4,814 |
| Total domestic deposits to total assets | 82.9316% | 4,662 |
| Equity capital to assets | 9.6886% | 4,243 |
| Core capital (leverage) ratio | 9.1168% | 4,347 |
| Tier 1 risk-based capital ratio | 13.9516% | 3,692 |
| Total risk-based capital ratio | 15.2038% | 3,650 |
| Memoranda: | ||
| Average total assets | $50,761,500 | 6,709 |
| Average earning assets | $46,770,000 | 6,670 |
| Average equity | $4,773,000 | 6,923 |
| Average total loans | $32,265,500 | 6,501 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 5,049 |
| Cost of funding earning assets | 2.2046% | 2,011 |
| Net interest margin | 3.1220% | 6,305 |
| Noninterest income to average assets | 0.6877% | 3,046 |
| Noninterest expense to average assets | 3.1378% | 3,593 |
| Loan and lease loss provision to assets | 0.0472% | 7,097 |
| Net operating income to assets | 0.3242% | 4,435 |
| Return on assets (ROA) | 0.4539% | 4,038 |
| Pretax return on assets | 0.4539% | 4,337 |
| Return on Equity (ROE) | 4.6911% | 3,799 |
| Retained earnings to average equity (ytd only) | -2.4166% | 5,601 |
| Net charge-offs to loans | 0.0559% | 6,543 |
| Credit loss provision to net charge-offs | 133.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,677 |
| Efficiency ratio | 89.4177% | 1,755 |
| Assets per employee ($millions) | 2.7537% | 6,746 |
| Cash dividends to net income (ytd only)* | 151.5152% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 4,322 |
| Loan loss allowance to noncurrent loans | 62.1547% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.4828% | 2,810 |
| Noncurrent loans to loans | 2.2242% | 3,370 |
| Net loans and leases to total assets | 61.3539% | 5,132 |
| Net loans and leases to deposits | 74.8014% | 4,906 |
| Net loans and leases to core deposits | 97.5062% | 4,282 |
| Total domestic deposits to total assets | 82.0225% | 4,939 |
| Equity capital to assets | 9.1340% | 4,938 |
| Core capital (leverage) ratio | 9.0009% | 4,420 |
| Tier 1 risk-based capital ratio | 13.4343% | 3,864 |
| Total risk-based capital ratio | 14.6849% | 3,808 |
| Memoranda: | ||
| Average total assets | $50,896,200 | 6,670 |
| Average earning assets | $45,995,600 | 6,683 |
| Average equity | $4,924,200 | 6,972 |
| Average total loans | $32,191,400 | 6,512 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4491% | 4,693 |
| Cost of funding earning assets | 2.2842% | 2,049 |
| Net interest margin | 3.1650% | 6,131 |
| Noninterest income to average assets | 0.6622% | 3,276 |
| Noninterest expense to average assets | 3.0022% | 4,034 |
| Loan and lease loss provision to assets | 0.0475% | 6,895 |
| Net operating income to assets | 0.4564% | 4,172 |
| Return on assets (ROA) | 0.6305% | 3,560 |
| Pretax return on assets | 0.6305% | 4,084 |
| Return on Equity (ROE) | 6.4239% | 3,338 |
| Retained earnings to average equity (ytd only) | 2.3921% | 3,985 |
| Net charge-offs to loans | 0.0249% | 6,538 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 31.8325% | 892 |
| Efficiency ratio | 85.6283% | 2,101 |
| Assets per employee ($millions) | 2.6555% | 6,936 |
| Cash dividends to net income (ytd only)* | 62.7628% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 3,611 |
| Loan loss allowance to noncurrent loans | 45.8753% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 3.1097% | 2,202 |
| Noncurrent loans to loans | 3.1981% | 2,367 |
| Net loans and leases to total assets | 60.6977% | 5,471 |
| Net loans and leases to deposits | 75.1312% | 5,193 |
| Net loans and leases to core deposits | 97.7841% | 4,633 |
| Total domestic deposits to total assets | 80.7888% | 5,157 |
| Equity capital to assets | 10.0010% | 4,085 |
| Core capital (leverage) ratio | 9.5933% | 3,795 |
| Tier 1 risk-based capital ratio | 14.2574% | 3,408 |
| Total risk-based capital ratio | 15.5094% | 3,352 |
| Memoranda: | ||
| Average total assets | $50,540,000 | 6,733 |
| Average earning assets | $45,413,000 | 6,761 |
| Average equity | $4,960,500 | 7,015 |
| Average total loans | $32,101,500 | 6,564 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4194% | 5,041 |
| Cost of funding earning assets | 2.3618% | 2,118 |
| Net interest margin | 3.0575% | 6,372 |
| Noninterest income to average assets | 0.6407% | 3,411 |
| Noninterest expense to average assets | 2.7844% | 5,028 |
| Loan and lease loss provision to assets | 0.0475% | 6,759 |
| Net operating income to assets | 0.5379% | 3,949 |
| Return on assets (ROA) | 0.7633% | 3,105 |
| Pretax return on assets | 0.7633% | 3,793 |
| Return on Equity (ROE) | 7.8264% | 2,844 |
| Retained earnings to average equity (ytd only) | 1.7437% | 4,373 |
| Net charge-offs to loans | -0.0123% | 7,634 |
| Credit loss provision to net charge-offs | -600.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6291% | 2,649 |
| Assets per employee ($millions) | 2.6590% | 6,931 |
| Cash dividends to net income (ytd only)* | 77.7202% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 3,553 |
| Loan loss allowance to noncurrent loans | 32.6676% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 2.7751% | 2,320 |
| Noncurrent loans to loans | 4.3867% | 1,479 |
| Net loans and leases to total assets | 62.3543% | 5,295 |
| Net loans and leases to deposits | 76.8379% | 5,051 |
| Net loans and leases to core deposits | 102.5990% | 4,218 |
| Total domestic deposits to total assets | 81.1504% | 5,021 |
| Equity capital to assets | 9.6198% | 4,468 |
| Core capital (leverage) ratio | 9.5149% | 3,864 |
| Tier 1 risk-based capital ratio | 14.1959% | 3,404 |
| Total risk-based capital ratio | 15.4472% | 3,342 |
| Memoranda: | ||
| Average total assets | $50,568,330 | 6,798 |
| Average earning assets | $45,134,330 | 6,831 |
| Average equity | $4,932,000 | 7,088 |
| Average total loans | $32,441,670 | 6,592 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2915% | 5,929 |
| Cost of funding earning assets | 2.3469% | 2,515 |
| Net interest margin | 2.9446% | 6,629 |
| Noninterest income to average assets | 0.5614% | 3,824 |
| Noninterest expense to average assets | 2.8384% | 4,388 |
| Loan and lease loss provision to assets | 0.0474% | 6,380 |
| Net operating income to assets | 0.3242% | 5,192 |
| Return on assets (ROA) | 0.7748% | 3,409 |
| Pretax return on assets | 0.7748% | 4,168 |
| Return on Equity (ROE) | 7.8905% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.8905% | 1,855 |
| Net charge-offs to loans | -0.0122% | 7,317 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4236% | 1,858 |
| Assets per employee ($millions) | 2.7508% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,651 |
| Loan loss allowance to noncurrent loans | 33.6316% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 2.5657% | 2,238 |
| Noncurrent loans to loans | 4.0819% | 1,471 |
| Net loans and leases to total assets | 61.9925% | 5,325 |
| Net loans and leases to deposits | 78.7962% | 4,801 |
| Net loans and leases to core deposits | 108.5642% | 3,607 |
| Total domestic deposits to total assets | 78.6745% | 5,829 |
| Equity capital to assets | 9.5550% | 4,601 |
| Core capital (leverage) ratio | 9.7334% | 3,706 |
| Tier 1 risk-based capital ratio | 13.9677% | 3,610 |
| Total risk-based capital ratio | 15.2193% | 3,535 |
| Memoranda: | ||
| Average total assets | $50,592,000 | 6,841 |
| Average earning assets | $45,507,000 | 6,858 |
| Average equity | $4,968,000 | 7,120 |
| Average total loans | $32,682,500 | 6,604 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7232% | 6,701 |
| Cost of funding earning assets | 2.7414% | 2,971 |
| Net interest margin | 2.9818% | 6,961 |
| Noninterest income to average assets | 0.5354% | 4,358 |
| Noninterest expense to average assets | 2.5888% | 5,689 |
| Loan and lease loss provision to assets | 0.0471% | 6,830 |
| Net operating income to assets | 0.6492% | 4,112 |
| Return on assets (ROA) | 0.6609% | 3,908 |
| Pretax return on assets | 0.6609% | 4,515 |
| Return on Equity (ROE) | 6.9154% | 3,576 |
| Retained earnings to average equity (ytd only) | 0.2462% | 5,087 |
| Net charge-offs to loans | 0.0062% | 6,877 |
| Credit loss provision to net charge-offs | 1,200.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 259 |
| Efficiency ratio | 78.8060% | 2,787 |
| Assets per employee ($millions) | 2.7177% | 6,743 |
| Cash dividends to net income (ytd only)* | 96.4392% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 3,388 |
| Loan loss allowance to noncurrent loans | 31.6916% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 2.8640% | 1,636 |
| Noncurrent loans to loans | 4.3090% | 1,116 |
| Net loans and leases to total assets | 65.5566% | 4,943 |
| Net loans and leases to deposits | 85.9759% | 4,125 |
| Net loans and leases to core deposits | 114.2262% | 3,315 |
| Total domestic deposits to total assets | 76.2501% | 6,180 |
| Equity capital to assets | 10.1026% | 3,917 |
| Core capital (leverage) ratio | 9.7581% | 3,703 |
| Tier 1 risk-based capital ratio | 14.0349% | 3,533 |
| Total risk-based capital ratio | 15.2865% | 3,451 |
| Memoranda: | ||
| Average total assets | $50,988,000 | 6,733 |
| Average earning assets | $47,019,000 | 6,712 |
| Average equity | $4,873,200 | 7,186 |
| Average total loans | $32,306,800 | 6,593 |