Home > Preston National Bank > Performance and Condition Ratios
Preston National Bank, Performance and Condition Ratios
| 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 | 6.1406% | 107 |
| Cost of funding earning assets | 0.2800% | 4,389 |
| Net interest margin | 5.8606% | 78 |
| Noninterest income to average assets | 0.3452% | 4,263 |
| Noninterest expense to average assets | 4.0181% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9146% | 385 |
| Return on assets (ROA) | 1.9146% | 413 |
| Pretax return on assets | 1.9146% | 670 |
| Return on Equity (ROE) | 12.5796% | 1,130 |
| Retained earnings to average equity (ytd only) | 2.9523% | 4,036 |
| 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 | 67.7278% | 3,510 |
| Assets per employee ($millions) | 3.9195% | 4,087 |
| Cash dividends to net income (ytd only)* | 76.5306% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 2,216 |
| Loan loss allowance to noncurrent loans | 92.6182% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.2163% | 736 |
| Noncurrent loans to loans | 1.5621% | 1,488 |
| Net loans and leases to total assets | 93.0382% | 19 |
| Net loans and leases to deposits | 113.1173% | 164 |
| Net loans and leases to core deposits | 136.1959% | 210 |
| Total domestic deposits to total assets | 82.2493% | 4,131 |
| Equity capital to assets | 15.9597% | 540 |
| Core capital (leverage) ratio | 14.8283% | 637 |
| Tier 1 risk-based capital ratio | 19.0074% | 1,739 |
| Total risk-based capital ratio | 20.2615% | 1,696 |
| Memoranda: | ||
| Average total assets | $61,422,500 | 5,258 |
| Average earning assets | $58,561,000 | 5,197 |
| Average equity | $9,348,500 | 4,791 |
| Average total loans | $57,122,500 | 4,467 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3595% | 87 |
| Cost of funding earning assets | 0.2663% | 4,632 |
| Net interest margin | 6.0932% | 68 |
| Noninterest income to average assets | 0.4673% | 3,547 |
| Noninterest expense to average assets | 4.0361% | 635 |
| Loan and lease loss provision to assets | 0.0467% | 3,389 |
| Net operating income to assets | 2.1949% | 253 |
| Return on assets (ROA) | 2.1949% | 259 |
| Pretax return on assets | 2.1949% | 351 |
| Return on Equity (ROE) | 15.5921% | 599 |
| Retained earnings to average equity (ytd only) | 5.6326% | 1,994 |
| Net charge-offs to loans | -0.0082% | 5,065 |
| Credit loss provision to net charge-offs | -600.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2928% | 4,200 |
| Assets per employee ($millions) | 3.7678% | 4,347 |
| Cash dividends to net income (ytd only)* | 63.8751% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,574 |
| Loan loss allowance to noncurrent loans | 1,384.4828% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 2,752 |
| Noncurrent loans to loans | 0.0987% | 5,106 |
| Net loans and leases to total assets | 90.4563% | 54 |
| Net loans and leases to deposits | 106.4604% | 347 |
| Net loans and leases to core deposits | 123.9862% | 378 |
| Total domestic deposits to total assets | 84.9671% | 3,108 |
| Equity capital to assets | 14.5411% | 761 |
| Core capital (leverage) ratio | 13.9780% | 826 |
| Tier 1 risk-based capital ratio | 17.6221% | 2,087 |
| Total risk-based capital ratio | 18.8757% | 2,035 |
| Memoranda: | ||
| Average total assets | $64,195,600 | 5,219 |
| Average earning assets | $61,215,400 | 5,156 |
| Average equity | $9,036,600 | 4,841 |
| Average total loans | $60,656,200 | 4,363 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3877% | 86 |
| Cost of funding earning assets | 0.2678% | 4,688 |
| Net interest margin | 6.1199% | 66 |
| Noninterest income to average assets | 0.4650% | 3,598 |
| Noninterest expense to average assets | 4.1121% | 581 |
| Loan and lease loss provision to assets | 0.0623% | 2,938 |
| Net operating income to assets | 2.1256% | 292 |
| Return on assets (ROA) | 2.1256% | 309 |
| Pretax return on assets | 2.1256% | 477 |
| Return on Equity (ROE) | 15.2254% | 702 |
| Retained earnings to average equity (ytd only) | 5.1891% | 2,787 |
| Net charge-offs to loans | -0.0109% | 5,021 |
| Credit loss provision to net charge-offs | -600.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2718% | 4,021 |
| Assets per employee ($millions) | 3.6182% | 4,578 |
| Cash dividends to net income (ytd only)* | 65.9181% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 3,125 |
| Loan loss allowance to noncurrent loans | 1,274.6032% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 2,990 |
| Noncurrent loans to loans | 0.1016% | 5,228 |
| Net loans and leases to total assets | 93.9549% | 9 |
| Net loans and leases to deposits | 116.2689% | 148 |
| Net loans and leases to core deposits | 141.0363% | 160 |
| Total domestic deposits to total assets | 80.8083% | 4,520 |
| Equity capital to assets | 14.0556% | 1,003 |
| Core capital (leverage) ratio | 13.6935% | 947 |
| Tier 1 risk-based capital ratio | 16.4353% | 2,612 |
| Total risk-based capital ratio | 17.6888% | 2,565 |
| Memoranda: | ||
| Average total assets | $64,231,250 | 5,282 |
| Average earning assets | $61,241,000 | 5,218 |
| Average equity | $8,967,250 | 4,918 |
| Average total loans | $61,134,500 | 4,395 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3052% | 95 |
| Cost of funding earning assets | 0.2661% | 4,760 |
| Net interest margin | 6.0391% | 73 |
| Noninterest income to average assets | 0.4692% | 3,567 |
| Noninterest expense to average assets | 4.0793% | 620 |
| Loan and lease loss provision to assets | 0.0938% | 2,247 |
| Net operating income to assets | 2.0459% | 339 |
| Return on assets (ROA) | 2.0459% | 355 |
| Pretax return on assets | 2.0459% | 550 |
| Return on Equity (ROE) | 14.6884% | 787 |
| Retained earnings to average equity (ytd only) | 4.5817% | 3,120 |
| Net charge-offs to loans | -0.0164% | 5,096 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5936% | 4,085 |
| Assets per employee ($millions) | 3.5874% | 4,644 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 3,147 |
| Loan loss allowance to noncurrent loans | 1,163.7681% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 3,041 |
| Noncurrent loans to loans | 0.1132% | 5,302 |
| Net loans and leases to total assets | 93.1567% | 14 |
| Net loans and leases to deposits | 110.7378% | 247 |
| Net loans and leases to core deposits | 135.0462% | 209 |
| Total domestic deposits to total assets | 84.1236% | 3,513 |
| Equity capital to assets | 13.9514% | 991 |
| Core capital (leverage) ratio | 13.8385% | 892 |
| Tier 1 risk-based capital ratio | 16.9950% | 2,405 |
| Total risk-based capital ratio | 18.2493% | 2,351 |
| Memoranda: | ||
| Average total assets | $63,932,670 | 5,346 |
| Average earning assets | $60,870,330 | 5,282 |
| Average equity | $8,905,000 | 4,964 |
| Average total loans | $60,848,330 | 4,437 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3761% | 88 |
| Cost of funding earning assets | 0.2585% | 4,923 |
| Net interest margin | 6.1176% | 70 |
| Noninterest income to average assets | 0.4779% | 3,442 |
| Noninterest expense to average assets | 4.0747% | 638 |
| Loan and lease loss provision to assets | 0.1886% | 998 |
| Net operating income to assets | 2.0185% | 328 |
| Return on assets (ROA) | 2.0185% | 345 |
| Pretax return on assets | 2.0185% | 565 |
| Return on Equity (ROE) | 14.5036% | 789 |
| Retained earnings to average equity (ytd only) | 4.3375% | 3,411 |
| Net charge-offs to loans | -0.0329% | 5,307 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8649% | 4,336 |
| Assets per employee ($millions) | 3.4728% | 4,940 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 3,159 |
| Loan loss allowance to noncurrent loans | 637.3016% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.8990% | 2,838 |
| Noncurrent loans to loans | 0.2112% | 5,024 |
| Net loans and leases to total assets | 94.1322% | 9 |
| Net loans and leases to deposits | 117.7991% | 115 |
| Net loans and leases to core deposits | 138.9478% | 160 |
| Total domestic deposits to total assets | 79.9091% | 5,067 |
| Equity capital to assets | 14.2391% | 913 |
| Core capital (leverage) ratio | 13.6740% | 912 |
| Tier 1 risk-based capital ratio | 17.5729% | 2,274 |
| Total risk-based capital ratio | 18.8278% | 2,234 |
| Memoranda: | ||
| Average total assets | $63,612,000 | 5,410 |
| Average earning assets | $60,350,000 | 5,346 |
| Average equity | $8,853,000 | 5,022 |
| Average total loans | $60,793,500 | 4,474 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3821% | 98 |
| Cost of funding earning assets | 0.2658% | 5,153 |
| Net interest margin | 6.1163% | 79 |
| Noninterest income to average assets | 0.5137% | 3,396 |
| Noninterest expense to average assets | 4.2795% | 557 |
| Loan and lease loss provision to assets | 0.0494% | 3,580 |
| Net operating income to assets | 1.9825% | 336 |
| Return on assets (ROA) | 1.9825% | 346 |
| Pretax return on assets | 1.9825% | 528 |
| Return on Equity (ROE) | 13.9407% | 942 |
| Retained earnings to average equity (ytd only) | 3.5199% | 3,715 |
| Net charge-offs to loans | 0.0840% | 3,294 |
| Credit loss provision to net charge-offs | 63.8298% | 3,210 |
| Earnings coverage of net charge-offs (x) | 26.2553% | 1,469 |
| Efficiency ratio | 67.8059% | 3,932 |
| Assets per employee ($millions) | 3.5952% | 4,728 |
| Cash dividends to net income (ytd only)* | 74.7508% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 3,771 |
| Loan loss allowance to noncurrent loans | 573.1343% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 3,005 |
| Noncurrent loans to loans | 0.2163% | 5,042 |
| Net loans and leases to total assets | 94.5297% | 5 |
| Net loans and leases to deposits | 114.1223% | 164 |
| Net loans and leases to core deposits | 134.4432% | 206 |
| Total domestic deposits to total assets | 82.8319% | 4,134 |
| Equity capital to assets | 13.6062% | 1,114 |
| Core capital (leverage) ratio | 13.5439% | 960 |
| Tier 1 risk-based capital ratio | 16.7672% | 2,614 |
| Total risk-based capital ratio | 18.0202% | 2,562 |
| Memoranda: | ||
| Average total assets | $60,731,200 | 5,532 |
| Average earning assets | $57,567,600 | 5,472 |
| Average equity | $8,636,600 | 5,059 |
| Average total loans | $55,970,000 | 4,612 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2447% | 119 |
| Cost of funding earning assets | 0.2737% | 5,169 |
| Net interest margin | 5.9710% | 86 |
| Noninterest income to average assets | 0.6205% | 2,746 |
| Noninterest expense to average assets | 4.3345% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9351% | 390 |
| Return on assets (ROA) | 1.9351% | 401 |
| Pretax return on assets | 1.9351% | 655 |
| Return on Equity (ROE) | 13.4501% | 1,108 |
| Retained earnings to average equity (ytd only) | 2.9785% | 4,482 |
| Net charge-offs to loans | 0.1150% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 18.4453% | 1,838 |
| Efficiency ratio | 69.1349% | 3,653 |
| Assets per employee ($millions) | 3.4361% | 4,986 |
| Cash dividends to net income (ytd only)* | 77.8550% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 3,862 |
| Loan loss allowance to noncurrent loans | 519.7183% | 942 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 2,926 |
| Noncurrent loans to loans | 0.2429% | 5,169 |
| Net loans and leases to total assets | 93.3160% | 12 |
| Net loans and leases to deposits | 113.4380% | 160 |
| Net loans and leases to core deposits | 131.6882% | 223 |
| Total domestic deposits to total assets | 82.2616% | 4,389 |
| Equity capital to assets | 14.0552% | 983 |
| Core capital (leverage) ratio | 14.0694% | 827 |
| Tier 1 risk-based capital ratio | 17.0144% | 2,614 |
| Total risk-based capital ratio | 18.2668% | 2,566 |
| Memoranda: | ||
| Average total assets | $59,735,750 | 5,617 |
| Average earning assets | $56,516,000 | 5,562 |
| Average equity | $8,594,500 | 5,108 |
| Average total loans | $54,477,250 | 4,710 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1853% | 121 |
| Cost of funding earning assets | 0.2831% | 5,151 |
| Net interest margin | 5.9022% | 89 |
| Noninterest income to average assets | 0.6200% | 2,712 |
| Noninterest expense to average assets | 4.2655% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9346% | 388 |
| Return on assets (ROA) | 1.9346% | 402 |
| Pretax return on assets | 1.9346% | 636 |
| Return on Equity (ROE) | 13.3385% | 1,085 |
| Retained earnings to average equity (ytd only) | 2.8266% | 4,406 |
| Net charge-offs to loans | 0.1769% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.1489% | 2,088 |
| Efficiency ratio | 68.7978% | 3,863 |
| Assets per employee ($millions) | 3.3301% | 5,200 |
| Cash dividends to net income (ytd only)* | 78.8091% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 3,427 |
| Loan loss allowance to noncurrent loans | 346.4789% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1661% | 2,746 |
| Noncurrent loans to loans | 0.3998% | 4,789 |
| Net loans and leases to total assets | 87.6464% | 110 |
| Net loans and leases to deposits | 102.8061% | 407 |
| Net loans and leases to core deposits | 119.3101% | 396 |
| Total domestic deposits to total assets | 85.2541% | 3,386 |
| Equity capital to assets | 14.3839% | 851 |
| Core capital (leverage) ratio | 14.2922% | 757 |
| Tier 1 risk-based capital ratio | 18.3217% | 2,124 |
| Total risk-based capital ratio | 19.5761% | 2,093 |
| Memoranda: | ||
| Average total assets | $59,031,330 | 5,685 |
| Average earning assets | $55,809,670 | 5,631 |
| Average equity | $8,561,670 | 5,145 |
| Average total loans | $53,152,000 | 4,782 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2578% | 107 |
| Cost of funding earning assets | 0.2966% | 5,097 |
| Net interest margin | 5.9612% | 85 |
| Noninterest income to average assets | 0.6282% | 2,577 |
| Noninterest expense to average assets | 4.3021% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9530% | 369 |
| Return on assets (ROA) | 1.9530% | 384 |
| Pretax return on assets | 1.9530% | 586 |
| Return on Equity (ROE) | 13.4091% | 1,054 |
| Retained earnings to average equity (ytd only) | 2.8600% | 4,377 |
| Net charge-offs to loans | 0.4144% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,408 |
| Efficiency ratio | 68.7773% | 4,048 |
| Assets per employee ($millions) | 3.2714% | 5,402 |
| Cash dividends to net income (ytd only)* | 78.6713% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,490 |
| Loan loss allowance to noncurrent loans | 450.6173% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1005% | 3,055 |
| Noncurrent loans to loans | 0.3161% | 5,156 |
| Net loans and leases to total assets | 85.8011% | 151 |
| Net loans and leases to deposits | 100.6855% | 410 |
| Net loans and leases to core deposits | 118.4147% | 350 |
| Total domestic deposits to total assets | 85.2169% | 3,769 |
| Equity capital to assets | 14.5402% | 782 |
| Core capital (leverage) ratio | 14.6826% | 653 |
| Tier 1 risk-based capital ratio | 19.4708% | 1,843 |
| Total risk-based capital ratio | 20.7259% | 1,810 |
| Memoranda: | ||
| Average total assets | $58,576,000 | 5,750 |
| Average earning assets | $55,291,000 | 5,693 |
| Average equity | $8,531,500 | 5,171 |
| Average total loans | $53,090,500 | 4,822 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1933% | 127 |
| Cost of funding earning assets | 0.2490% | 5,970 |
| Net interest margin | 5.9443% | 87 |
| Noninterest income to average assets | 0.6032% | 3,079 |
| Noninterest expense to average assets | 4.3664% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8044% | 478 |
| Return on assets (ROA) | 1.8044% | 491 |
| Pretax return on assets | 1.8044% | 754 |
| Return on Equity (ROE) | 12.2209% | 1,347 |
| Retained earnings to average equity (ytd only) | 1.5321% | 5,131 |
| Net charge-offs to loans | -0.0060% | 5,947 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7587% | 3,710 |
| Assets per employee ($millions) | 3.4275% | 5,028 |
| Cash dividends to net income (ytd only)* | 87.4636% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 3,513 |
| Loan loss allowance to noncurrent loans | 496.8354% | 978 |
| Noncurrent assets plus other real estate owned to assets | 1.1053% | 3,198 |
| Noncurrent loans to loans | 0.2877% | 5,326 |
| Net loans and leases to total assets | 92.9205% | 12 |
| Net loans and leases to deposits | 111.6491% | 145 |
| Net loans and leases to core deposits | 127.4469% | 223 |
| Total domestic deposits to total assets | 83.2255% | 4,459 |
| Equity capital to assets | 14.5897% | 762 |
| Core capital (leverage) ratio | 15.0000% | 601 |
| Tier 1 risk-based capital ratio | 18.0241% | 2,242 |
| Total risk-based capital ratio | 19.2802% | 2,207 |
| Memoranda: | ||
| Average total assets | $57,026,800 | 5,838 |
| Average earning assets | $53,412,200 | 5,790 |
| Average equity | $8,420,000 | 5,234 |
| Average total loans | $50,300,800 | 4,951 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0805% | 151 |
| Cost of funding earning assets | 0.2513% | 6,072 |
| Net interest margin | 5.8293% | 96 |
| Noninterest income to average assets | 0.6770% | 2,742 |
| Noninterest expense to average assets | 4.3913% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7396% | 596 |
| Return on assets (ROA) | 1.7396% | 616 |
| Pretax return on assets | 1.7396% | 1,017 |
| Return on Equity (ROE) | 11.7461% | 1,556 |
| Retained earnings to average equity (ytd only) | 1.0317% | 5,567 |
| Net charge-offs to loans | 0.0054% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 369.5281% | 159 |
| Efficiency ratio | 71.6258% | 3,477 |
| Assets per employee ($millions) | 3.0096% | 5,831 |
| Cash dividends to net income (ytd only)* | 91.2167% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 3,032 |
| Loan loss allowance to noncurrent loans | 461.5385% | 949 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 3,083 |
| Noncurrent loans to loans | 0.3451% | 5,348 |
| Net loans and leases to total assets | 88.9666% | 59 |
| Net loans and leases to deposits | 105.8975% | 241 |
| Net loans and leases to core deposits | 116.1297% | 390 |
| Total domestic deposits to total assets | 84.0120% | 4,178 |
| Equity capital to assets | 15.5745% | 618 |
| Core capital (leverage) ratio | 15.6068% | 554 |
| Tier 1 risk-based capital ratio | 19.9990% | 1,740 |
| Total risk-based capital ratio | 21.2571% | 1,711 |
| Memoranda: | ||
| Average total assets | $56,716,750 | 5,909 |
| Average earning assets | $53,064,250 | 5,866 |
| Average equity | $8,399,750 | 5,298 |
| Average total loans | $49,144,250 | 5,039 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9152% | 206 |
| Cost of funding earning assets | 0.2562% | 6,130 |
| Net interest margin | 5.6590% | 111 |
| Noninterest income to average assets | 0.6810% | 2,736 |
| Noninterest expense to average assets | 4.3012% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6746% | 655 |
| Return on assets (ROA) | 1.6746% | 717 |
| Pretax return on assets | 1.6746% | 1,175 |
| Return on Equity (ROE) | 11.4935% | 1,640 |
| Retained earnings to average equity (ytd only) | 0.7631% | 5,596 |
| Net charge-offs to loans | -0.0488% | 6,260 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9767% | 3,472 |
| Assets per employee ($millions) | 2.9931% | 5,860 |
| Cash dividends to net income (ytd only)* | 93.3610% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 3,197 |
| Loan loss allowance to noncurrent loans | 690.4348% | 649 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 3,375 |
| Noncurrent loans to loans | 0.2300% | 5,731 |
| Net loans and leases to total assets | 91.3394% | 24 |
| Net loans and leases to deposits | 111.0434% | 126 |
| Net loans and leases to core deposits | 121.2756% | 299 |
| Total domestic deposits to total assets | 82.2555% | 4,959 |
| Equity capital to assets | 15.5988% | 605 |
| Core capital (leverage) ratio | 15.1215% | 591 |
| Tier 1 risk-based capital ratio | 19.6896% | 1,801 |
| Total risk-based capital ratio | 20.9473% | 1,775 |
| Memoranda: | ||
| Average total assets | $57,565,000 | 5,931 |
| Average earning assets | $53,861,330 | 5,867 |
| Average equity | $8,387,330 | 5,341 |
| Average total loans | $49,200,670 | 5,058 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6685% | 285 |
| Cost of funding earning assets | 0.2511% | 6,284 |
| Net interest margin | 5.4174% | 141 |
| Noninterest income to average assets | 0.7272% | 2,441 |
| Noninterest expense to average assets | 4.2013% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6092% | 695 |
| Return on assets (ROA) | 1.6092% | 755 |
| Pretax return on assets | 1.6092% | 1,287 |
| Return on Equity (ROE) | 11.4095% | 1,589 |
| Retained earnings to average equity (ytd only) | 0.6683% | 5,560 |
| Net charge-offs to loans | -0.0492% | 6,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3059% | 3,562 |
| Assets per employee ($millions) | 3.1992% | 5,625 |
| Cash dividends to net income (ytd only)* | 94.1423% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 3,121 |
| Loan loss allowance to noncurrent loans | 765.0485% | 594 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 3,475 |
| Noncurrent loans to loans | 0.2187% | 5,864 |
| Net loans and leases to total assets | 80.4220% | 393 |
| Net loans and leases to deposits | 94.2929% | 651 |
| Net loans and leases to core deposits | 103.7758% | 730 |
| Total domestic deposits to total assets | 85.2896% | 3,908 |
| Equity capital to assets | 14.5628% | 859 |
| Core capital (leverage) ratio | 14.1056% | 770 |
| Tier 1 risk-based capital ratio | 20.4037% | 1,674 |
| Total risk-based capital ratio | 21.6631% | 1,646 |
| Memoranda: | ||
| Average total assets | $59,409,500 | 5,917 |
| Average earning assets | $55,746,500 | 5,855 |
| Average equity | $8,379,000 | 5,390 |
| Average total loans | $48,799,000 | 5,103 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2272% | 187 |
| Cost of funding earning assets | 0.3947% | 5,953 |
| Net interest margin | 5.8325% | 99 |
| Noninterest income to average assets | 0.4985% | 3,915 |
| Noninterest expense to average assets | 4.1889% | 777 |
| Loan and lease loss provision to assets | 0.1014% | 4,371 |
| Net operating income to assets | 1.6019% | 759 |
| Return on assets (ROA) | 1.6019% | 838 |
| Pretax return on assets | 1.6019% | 1,383 |
| Return on Equity (ROE) | 11.3389% | 1,700 |
| Retained earnings to average equity (ytd only) | 0.5741% | 5,562 |
| Net charge-offs to loans | 0.0591% | 5,099 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 927 |
| Efficiency ratio | 71.0926% | 3,608 |
| Assets per employee ($millions) | 3.4019% | 5,212 |
| Cash dividends to net income (ytd only)* | 94.9367% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,527 |
| Loan loss allowance to noncurrent loans | 583.5821% | 713 |
| Noncurrent assets plus other real estate owned to assets | 2.2096% | 2,216 |
| Noncurrent loans to loans | 0.2654% | 5,814 |
| Net loans and leases to total assets | 81.1918% | 385 |
| Net loans and leases to deposits | 94.4580% | 722 |
| Net loans and leases to core deposits | 103.2566% | 824 |
| Total domestic deposits to total assets | 85.9555% | 3,377 |
| Equity capital to assets | 13.6721% | 1,165 |
| Core capital (leverage) ratio | 14.1145% | 767 |
| Tier 1 risk-based capital ratio | 18.5306% | 2,097 |
| Total risk-based capital ratio | 19.7861% | 2,062 |
| Memoranda: | ||
| Average total assets | $59,179,600 | 5,940 |
| Average earning assets | $54,727,600 | 5,901 |
| Average equity | $8,360,600 | 5,404 |
| Average total loans | $50,778,600 | 5,079 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2744% | 186 |
| Cost of funding earning assets | 0.4358% | 5,894 |
| Net interest margin | 5.8385% | 108 |
| Noninterest income to average assets | 0.5886% | 3,350 |
| Noninterest expense to average assets | 4.2772% | 666 |
| Loan and lease loss provision to assets | 0.1023% | 4,298 |
| Net operating income to assets | 1.5977% | 850 |
| Return on assets (ROA) | 1.5977% | 949 |
| Pretax return on assets | 1.5977% | 1,583 |
| Return on Equity (ROE) | 11.2149% | 1,884 |
| Retained earnings to average equity (ytd only) | 0.4467% | 5,959 |
| Net charge-offs to loans | 0.0918% | 4,458 |
| Credit loss provision to net charge-offs | 128.5714% | 2,241 |
| Earnings coverage of net charge-offs (x) | 21.3694% | 1,411 |
| Efficiency ratio | 71.5589% | 3,406 |
| Assets per employee ($millions) | 3.1679% | 5,699 |
| Cash dividends to net income (ytd only)* | 96.0173% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,723 |
| Loan loss allowance to noncurrent loans | 369.9029% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 2.6551% | 1,986 |
| Noncurrent loans to loans | 0.4197% | 5,613 |
| Net loans and leases to total assets | 84.7448% | 190 |
| Net loans and leases to deposits | 99.7997% | 450 |
| Net loans and leases to core deposits | 109.9822% | 571 |
| Total domestic deposits to total assets | 84.9149% | 3,779 |
| Equity capital to assets | 14.6467% | 926 |
| Core capital (leverage) ratio | 13.2616% | 1,082 |
| Tier 1 risk-based capital ratio | 18.9032% | 2,040 |
| Total risk-based capital ratio | 20.1596% | 2,000 |
| Memoranda: | ||
| Average total assets | $58,666,000 | 6,021 |
| Average earning assets | $54,145,000 | 5,990 |
| Average equity | $8,357,750 | 5,456 |
| Average total loans | $50,848,500 | 5,134 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3454% | 178 |
| Cost of funding earning assets | 0.4587% | 5,911 |
| Net interest margin | 5.8867% | 101 |
| Noninterest income to average assets | 0.7059% | 2,633 |
| Noninterest expense to average assets | 4.2862% | 658 |
| Loan and lease loss provision to assets | 0.1013% | 4,262 |
| Net operating income to assets | 1.7361% | 626 |
| Return on assets (ROA) | 1.7361% | 707 |
| Pretax return on assets | 1.7361% | 1,166 |
| Return on Equity (ROE) | 12.2971% | 1,579 |
| Retained earnings to average equity (ytd only) | 1.5312% | 5,442 |
| Net charge-offs to loans | 0.1478% | 3,728 |
| Credit loss provision to net charge-offs | 78.9474% | 3,346 |
| Earnings coverage of net charge-offs (x) | 14.3158% | 1,720 |
| Efficiency ratio | 69.9945% | 3,766 |
| Assets per employee ($millions) | 3.2134% | 5,620 |
| Cash dividends to net income (ytd only)* | 87.5486% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 3,733 |
| Loan loss allowance to noncurrent loans | 496.0000% | 722 |
| Noncurrent assets plus other real estate owned to assets | 2.7402% | 2,011 |
| Noncurrent loans to loans | 0.3150% | 5,923 |
| Net loans and leases to total assets | 81.0449% | 398 |
| Net loans and leases to deposits | 97.1363% | 569 |
| Net loans and leases to core deposits | 105.8696% | 752 |
| Total domestic deposits to total assets | 83.4342% | 4,562 |
| Equity capital to assets | 14.5016% | 919 |
| Core capital (leverage) ratio | 14.0881% | 780 |
| Tier 1 risk-based capital ratio | 18.7404% | 2,052 |
| Total risk-based capital ratio | 19.9964% | 2,013 |
| Memoranda: | ||
| Average total assets | $59,213,670 | 6,043 |
| Average earning assets | $54,496,000 | 6,017 |
| Average equity | $8,359,670 | 5,458 |
| Average total loans | $51,436,000 | 5,128 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4250% | 175 |
| Cost of funding earning assets | 0.4730% | 5,993 |
| Net interest margin | 5.9521% | 106 |
| Noninterest income to average assets | 0.7412% | 2,444 |
| Noninterest expense to average assets | 4.3139% | 648 |
| Loan and lease loss provision to assets | 0.1002% | 4,090 |
| Net operating income to assets | 1.7897% | 609 |
| Return on assets (ROA) | 1.7897% | 683 |
| Pretax return on assets | 1.7897% | 1,093 |
| Return on Equity (ROE) | 12.8452% | 1,452 |
| Retained earnings to average equity (ytd only) | 2.0610% | 5,237 |
| Net charge-offs to loans | -0.0300% | 6,340 |
| Credit loss provision to net charge-offs | -375.0000% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5371% | 3,894 |
| Assets per employee ($millions) | 3.3320% | 5,492 |
| Cash dividends to net income (ytd only)* | 83.9552% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 4,283 |
| Loan loss allowance to noncurrent loans | 240.9375% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 2.9178% | 1,983 |
| Noncurrent loans to loans | 0.6115% | 5,437 |
| Net loans and leases to total assets | 85.9627% | 121 |
| Net loans and leases to deposits | 110.9158% | 124 |
| Net loans and leases to core deposits | 121.3020% | 292 |
| Total domestic deposits to total assets | 77.5027% | 6,336 |
| Equity capital to assets | 13.9506% | 1,042 |
| Core capital (leverage) ratio | 13.8700% | 835 |
| Tier 1 risk-based capital ratio | 16.7542% | 2,781 |
| Total risk-based capital ratio | 18.0077% | 2,738 |
| Memoranda: | ||
| Average total assets | $59,899,500 | 6,065 |
| Average earning assets | $54,972,500 | 6,034 |
| Average equity | $8,345,500 | 5,485 |
| Average total loans | $53,343,000 | 5,093 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7180% | 142 |
| Cost of funding earning assets | 0.5495% | 6,341 |
| Net interest margin | 6.1685% | 78 |
| Noninterest income to average assets | 1.2241% | 875 |
| Noninterest expense to average assets | 4.6850% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.2527% | 206 |
| Return on assets (ROA) | 2.2527% | 219 |
| Pretax return on assets | 2.2527% | 330 |
| Return on Equity (ROE) | 15.7854% | 631 |
| Retained earnings to average equity (ytd only) | 4.6776% | 2,865 |
| Net charge-offs to loans | 0.1525% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 16.3974% | 1,331 |
| Efficiency ratio | 67.5298% | 4,460 |
| Assets per employee ($millions) | 3.1486% | 5,809 |
| Cash dividends to net income (ytd only)* | 70.3675% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 4,542 |
| Loan loss allowance to noncurrent loans | 349.7674% | 948 |
| Noncurrent assets plus other real estate owned to assets | 2.9270% | 2,057 |
| Noncurrent loans to loans | 0.3955% | 5,921 |
| Net loans and leases to total assets | 89.6077% | 46 |
| Net loans and leases to deposits | 108.8999% | 191 |
| Net loans and leases to core deposits | 118.4742% | 388 |
| Total domestic deposits to total assets | 82.2844% | 5,035 |
| Equity capital to assets | 13.9144% | 1,095 |
| Core capital (leverage) ratio | 13.6936% | 902 |
| Tier 1 risk-based capital ratio | 16.2436% | 2,930 |
| Total risk-based capital ratio | 17.4969% | 2,899 |
| Memoranda: | ||
| Average total assets | $56,776,400 | 6,144 |
| Average earning assets | $52,589,800 | 6,104 |
| Average equity | $8,102,400 | 5,540 |
| Average total loans | $51,143,800 | 5,230 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6815% | 154 |
| Cost of funding earning assets | 0.5549% | 6,498 |
| Net interest margin | 6.1267% | 81 |
| Noninterest income to average assets | 1.5353% | 560 |
| Noninterest expense to average assets | 4.5868% | 532 |
| Loan and lease loss provision to assets | 0.1071% | 5,099 |
| Net operating income to assets | 2.5183% | 152 |
| Return on assets (ROA) | 2.5183% | 158 |
| Pretax return on assets | 2.5183% | 239 |
| Return on Equity (ROE) | 17.5299% | 507 |
| Retained earnings to average equity (ytd only) | 6.3458% | 2,332 |
| Net charge-offs to loans | 0.0821% | 5,155 |
| Credit loss provision to net charge-offs | 145.1613% | 2,178 |
| Earnings coverage of net charge-offs (x) | 35.5826% | 838 |
| Efficiency ratio | 63.5974% | 5,138 |
| Assets per employee ($millions) | 3.0513% | 6,009 |
| Cash dividends to net income (ytd only)* | 63.7999% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 3,549 |
| Loan loss allowance to noncurrent loans | 103.0525% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 3.1997% | 1,995 |
| Noncurrent loans to loans | 1.5775% | 3,931 |
| Net loans and leases to total assets | 88.0964% | 76 |
| Net loans and leases to deposits | 105.5380% | 267 |
| Net loans and leases to core deposits | 114.9878% | 529 |
| Total domestic deposits to total assets | 83.4736% | 4,492 |
| Equity capital to assets | 14.3651% | 1,034 |
| Core capital (leverage) ratio | 14.4700% | 779 |
| Tier 1 risk-based capital ratio | 17.4881% | 2,446 |
| Total risk-based capital ratio | 18.7411% | 2,416 |
| Memoranda: | ||
| Average total assets | $56,014,750 | 6,214 |
| Average earning assets | $51,903,000 | 6,179 |
| Average equity | $8,047,000 | 5,583 |
| Average total loans | $50,340,250 | 5,295 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6690% | 169 |
| Cost of funding earning assets | 0.5440% | 6,687 |
| Net interest margin | 6.1250% | 88 |
| Noninterest income to average assets | 0.8526% | 1,795 |
| Noninterest expense to average assets | 4.7397% | 466 |
| Loan and lease loss provision to assets | 0.1084% | 4,947 |
| Net operating income to assets | 1.6582% | 652 |
| Return on assets (ROA) | 1.6582% | 696 |
| Pretax return on assets | 1.6582% | 1,139 |
| Return on Equity (ROE) | 11.5423% | 1,622 |
| Retained earnings to average equity (ytd only) | 0.2263% | 5,747 |
| Net charge-offs to loans | 0.1084% | 4,605 |
| Credit loss provision to net charge-offs | 111.1111% | 2,755 |
| Earnings coverage of net charge-offs (x) | 18.1111% | 1,273 |
| Efficiency ratio | 72.8484% | 3,576 |
| Assets per employee ($millions) | 2.8296% | 6,421 |
| Cash dividends to net income (ytd only)* | 98.0392% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 3,395 |
| Loan loss allowance to noncurrent loans | 308.5185% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 2.9775% | 2,252 |
| Noncurrent loans to loans | 0.5437% | 5,826 |
| Net loans and leases to total assets | 86.2737% | 129 |
| Net loans and leases to deposits | 109.9070% | 178 |
| Net loans and leases to core deposits | 120.7081% | 402 |
| Total domestic deposits to total assets | 78.4970% | 6,190 |
| Equity capital to assets | 14.0550% | 1,082 |
| Core capital (leverage) ratio | 14.2706% | 811 |
| Tier 1 risk-based capital ratio | 17.1711% | 2,453 |
| Total risk-based capital ratio | 18.4271% | 2,428 |
| Memoranda: | ||
| Average total assets | $55,361,670 | 6,282 |
| Average earning assets | $51,102,330 | 6,254 |
| Average equity | $7,953,330 | 5,628 |
| Average total loans | $49,814,670 | 5,362 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6503% | 168 |
| Cost of funding earning assets | 0.5122% | 6,933 |
| Net interest margin | 6.1381% | 88 |
| Noninterest income to average assets | 0.9498% | 1,471 |
| Noninterest expense to average assets | 4.7711% | 442 |
| Loan and lease loss provision to assets | 0.1096% | 4,645 |
| Net operating income to assets | 1.7608% | 524 |
| Return on assets (ROA) | 1.7608% | 553 |
| Pretax return on assets | 1.7608% | 881 |
| Return on Equity (ROE) | 12.1212% | 1,428 |
| Retained earnings to average equity (ytd only) | 0.8047% | 5,505 |
| Net charge-offs to loans | 0.1443% | 3,630 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 14.2222% | 1,384 |
| Efficiency ratio | 71.8372% | 3,903 |
| Assets per employee ($millions) | 2.9308% | 6,282 |
| Cash dividends to net income (ytd only)* | 93.3610% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 3,362 |
| Loan loss allowance to noncurrent loans | 480.8140% | 659 |
| Noncurrent assets plus other real estate owned to assets | 3.0637% | 2,251 |
| Noncurrent loans to loans | 0.3520% | 6,286 |
| Net loans and leases to total assets | 86.2620% | 119 |
| Net loans and leases to deposits | 110.2099% | 178 |
| Net loans and leases to core deposits | 116.3160% | 518 |
| Total domestic deposits to total assets | 78.2706% | 6,341 |
| Equity capital to assets | 14.2965% | 933 |
| Core capital (leverage) ratio | 14.4652% | 742 |
| Tier 1 risk-based capital ratio | 17.7039% | 2,218 |
| Total risk-based capital ratio | 18.9617% | 2,187 |
| Memoranda: | ||
| Average total assets | $54,746,500 | 6,353 |
| Average earning assets | $50,765,000 | 6,312 |
| Average equity | $7,953,000 | 5,622 |
| Average total loans | $49,893,500 | 5,393 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7798% | 208 |
| Cost of funding earning assets | 0.7069% | 6,866 |
| Net interest margin | 6.0729% | 93 |
| Noninterest income to average assets | 0.9549% | 1,652 |
| Noninterest expense to average assets | 4.6997% | 545 |
| Loan and lease loss provision to assets | 0.2609% | 4,702 |
| Net operating income to assets | 1.5828% | 639 |
| Return on assets (ROA) | 1.5828% | 699 |
| Pretax return on assets | 1.5828% | 1,169 |
| Return on Equity (ROE) | 11.4893% | 1,458 |
| Retained earnings to average equity (ytd only) | 0.1263% | 5,522 |
| Net charge-offs to loans | 0.1313% | 5,591 |
| Credit loss provision to net charge-offs | 217.3913% | 1,391 |
| Earnings coverage of net charge-offs (x) | 15.3623% | 1,286 |
| Efficiency ratio | 71.8235% | 3,828 |
| Assets per employee ($millions) | 2.8320% | 6,472 |
| Cash dividends to net income (ytd only)* | 98.9011% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 3,465 |
| Loan loss allowance to noncurrent loans | 108.4967% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 3.4976% | 1,981 |
| Noncurrent loans to loans | 1.5022% | 4,222 |
| Net loans and leases to total assets | 93.0995% | 20 |
| Net loans and leases to deposits | 124.3361% | 98 |
| Net loans and leases to core deposits | 125.2250% | 405 |
| Total domestic deposits to total assets | 74.8773% | 6,787 |
| Equity capital to assets | 14.7655% | 843 |
| Core capital (leverage) ratio | 14.0378% | 838 |
| Tier 1 risk-based capital ratio | 17.3334% | 2,220 |
| Total risk-based capital ratio | 18.5917% | 2,185 |
| Memoranda: | ||
| Average total assets | $57,493,600 | 6,290 |
| Average earning assets | $52,906,800 | 6,256 |
| Average equity | $7,920,400 | 5,740 |
| Average total loans | $52,551,000 | 5,378 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7458% | 221 |
| Cost of funding earning assets | 0.7537% | 6,900 |
| Net interest margin | 5.9922% | 91 |
| Noninterest income to average assets | 1.0203% | 1,414 |
| Noninterest expense to average assets | 4.7521% | 464 |
| Loan and lease loss provision to assets | 0.3081% | 4,114 |
| Net operating income to assets | 1.4585% | 1,005 |
| Return on assets (ROA) | 1.4585% | 1,079 |
| Pretax return on assets | 1.4585% | 1,726 |
| Return on Equity (ROE) | 10.7651% | 1,858 |
| Retained earnings to average equity (ytd only) | -0.6065% | 5,943 |
| Net charge-offs to loans | 0.1813% | 4,870 |
| Credit loss provision to net charge-offs | 187.5000% | 1,921 |
| Earnings coverage of net charge-offs (x) | 10.7497% | 1,859 |
| Efficiency ratio | 72.8992% | 3,544 |
| Assets per employee ($millions) | 2.8285% | 6,535 |
| Cash dividends to net income (ytd only)* | 105.6339% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 3,365 |
| Loan loss allowance to noncurrent loans | 394.1748% | 756 |
| Noncurrent assets plus other real estate owned to assets | 3.2619% | 2,187 |
| Noncurrent loans to loans | 0.4165% | 6,369 |
| Net loans and leases to total assets | 90.5193% | 47 |
| Net loans and leases to deposits | 117.1967% | 141 |
| Net loans and leases to core deposits | 118.8895% | 654 |
| Total domestic deposits to total assets | 77.2371% | 6,431 |
| Equity capital to assets | 14.6983% | 967 |
| Core capital (leverage) ratio | 14.0031% | 918 |
| Tier 1 risk-based capital ratio | 18.0054% | 2,023 |
| Total risk-based capital ratio | 19.2624% | 1,985 |
| Memoranda: | ||
| Average total assets | $58,415,000 | 6,330 |
| Average earning assets | $53,602,000 | 6,295 |
| Average equity | $7,914,250 | 5,819 |
| Average total loans | $52,957,500 | 5,441 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7017% | 244 |
| Cost of funding earning assets | 0.7829% | 6,968 |
| Net interest margin | 5.9188% | 102 |
| Noninterest income to average assets | 1.0071% | 1,365 |
| Noninterest expense to average assets | 4.6654% | 488 |
| Loan and lease loss provision to assets | 0.3668% | 3,509 |
| Net operating income to assets | 1.4206% | 1,053 |
| Return on assets (ROA) | 1.4206% | 1,123 |
| Pretax return on assets | 1.4206% | 1,776 |
| Return on Equity (ROE) | 10.7585% | 1,837 |
| Retained earnings to average equity (ytd only) | -0.6061% | 5,877 |
| Net charge-offs to loans | 0.1811% | 4,521 |
| Credit loss provision to net charge-offs | 224.4898% | 1,729 |
| Earnings coverage of net charge-offs (x) | 10.9388% | 1,821 |
| Efficiency ratio | 72.2997% | 3,767 |
| Assets per employee ($millions) | 2.7530% | 6,683 |
| Cash dividends to net income (ytd only)* | 105.6338% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 3,589 |
| Loan loss allowance to noncurrent loans | 127.7603% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 3.1741% | 2,233 |
| Noncurrent loans to loans | 1.2278% | 4,911 |
| Net loans and leases to total assets | 87.9195% | 135 |
| Net loans and leases to deposits | 102.3499% | 577 |
| Net loans and leases to core deposits | 108.6045% | 1,253 |
| Total domestic deposits to total assets | 85.9009% | 3,148 |
| Equity capital to assets | 13.6840% | 1,277 |
| Core capital (leverage) ratio | 13.3331% | 1,105 |
| Tier 1 risk-based capital ratio | 17.3061% | 2,166 |
| Total risk-based capital ratio | 18.5634% | 2,128 |
| Memoranda: | ||
| Average total assets | $59,973,000 | 6,305 |
| Average earning assets | $55,179,670 | 6,272 |
| Average equity | $7,919,330 | 5,832 |
| Average total loans | $54,124,000 | 5,416 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7106% | 263 |
| Cost of funding earning assets | 0.8067% | 7,069 |
| Net interest margin | 5.9039% | 117 |
| Noninterest income to average assets | 1.0614% | 1,127 |
| Noninterest expense to average assets | 4.7630% | 455 |
| Loan and lease loss provision to assets | 0.3931% | 3,013 |
| Net operating income to assets | 1.3234% | 1,242 |
| Return on assets (ROA) | 1.3234% | 1,316 |
| Pretax return on assets | 1.3234% | 1,990 |
| Return on Equity (ROE) | 10.1975% | 2,038 |
| Retained earnings to average equity (ytd only) | -1.1611% | 6,071 |
| Net charge-offs to loans | 0.1734% | 3,885 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 10.9167% | 1,694 |
| Efficiency ratio | 73.5086% | 3,662 |
| Assets per employee ($millions) | 2.8818% | 6,479 |
| Cash dividends to net income (ytd only)* | 111.3861% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,242 |
| Loan loss allowance to noncurrent loans | 119.8473% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 3.3230% | 2,151 |
| Noncurrent loans to loans | 1.1965% | 4,970 |
| Net loans and leases to total assets | 89.1617% | 91 |
| Net loans and leases to deposits | 103.1643% | 579 |
| Net loans and leases to core deposits | 115.2555% | 984 |
| Total domestic deposits to total assets | 86.4270% | 2,929 |
| Equity capital to assets | 13.0740% | 1,494 |
| Core capital (leverage) ratio | 12.6001% | 1,371 |
| Tier 1 risk-based capital ratio | 16.1360% | 2,593 |
| Total risk-based capital ratio | 17.3889% | 2,552 |
| Memoranda: | ||
| Average total assets | $61,053,500 | 6,347 |
| Average earning assets | $56,030,500 | 6,325 |
| Average equity | $7,923,500 | 5,874 |
| Average total loans | $55,367,000 | 5,445 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4089% | 149 |
| Cost of funding earning assets | 1.2694% | 6,409 |
| Net interest margin | 6.1395% | 103 |
| Noninterest income to average assets | 1.1051% | 1,256 |
| Noninterest expense to average assets | 4.4679% | 820 |
| Loan and lease loss provision to assets | 0.5850% | 3,454 |
| Net operating income to assets | 1.7565% | 392 |
| Return on assets (ROA) | 1.7565% | 414 |
| Pretax return on assets | 1.7565% | 693 |
| Return on Equity (ROE) | 14.2097% | 751 |
| Retained earnings to average equity (ytd only) | 4.6172% | 2,027 |
| Net charge-offs to loans | 0.2849% | 4,849 |
| Credit loss provision to net charge-offs | 221.5569% | 1,702 |
| Earnings coverage of net charge-offs (x) | 8.8683% | 1,875 |
| Efficiency ratio | 65.6141% | 5,470 |
| Assets per employee ($millions) | 2.9329% | 6,382 |
| Cash dividends to net income (ytd only)* | 67.5068% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 4,546 |
| Loan loss allowance to noncurrent loans | 96.5206% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 3.4015% | 1,992 |
| Noncurrent loans to loans | 1.3859% | 4,604 |
| Net loans and leases to total assets | 89.6931% | 94 |
| Net loans and leases to deposits | 103.5949% | 669 |
| Net loans and leases to core deposits | 122.3549% | 1,752 |
| Total domestic deposits to total assets | 86.5806% | 2,714 |
| Equity capital to assets | 12.8836% | 1,556 |
| Core capital (leverage) ratio | 12.1034% | 1,620 |
| Tier 1 risk-based capital ratio | 15.8764% | 2,578 |
| Total risk-based capital ratio | 17.1298% | 2,505 |
| Memoranda: | ||
| Average total assets | $63,251,000 | 6,230 |
| Average earning assets | $58,767,400 | 6,182 |
| Average equity | $7,818,600 | 5,990 |
| Average total loans | $58,608,000 | 5,313 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4520% | 155 |
| Cost of funding earning assets | 1.3586% | 6,373 |
| Net interest margin | 6.0934% | 101 |
| Noninterest income to average assets | 1.0722% | 1,380 |
| Noninterest expense to average assets | 4.5695% | 682 |
| Loan and lease loss provision to assets | 0.4293% | 3,755 |
| Net operating income to assets | 1.7466% | 508 |
| Return on assets (ROA) | 1.7466% | 535 |
| Pretax return on assets | 1.7466% | 886 |
| Return on Equity (ROE) | 14.2752% | 881 |
| Retained earnings to average equity (ytd only) | 5.2890% | 2,320 |
| Net charge-offs to loans | 0.0405% | 6,338 |
| Credit loss provision to net charge-offs | 1,138.8889% | 333 |
| Earnings coverage of net charge-offs (x) | 57.7208% | 570 |
| Efficiency ratio | 67.7429% | 5,033 |
| Assets per employee ($millions) | 2.9276% | 6,336 |
| Cash dividends to net income (ytd only)* | 62.9495% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 4,772 |
| Loan loss allowance to noncurrent loans | 38.5181% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 5.0050% | 1,171 |
| Noncurrent loans to loans | 3.2661% | 2,318 |
| Net loans and leases to total assets | 93.5799% | 26 |
| Net loans and leases to deposits | 110.2822% | 458 |
| Net loans and leases to core deposits | 126.0423% | 1,728 |
| Total domestic deposits to total assets | 84.8550% | 3,305 |
| Equity capital to assets | 12.8223% | 1,773 |
| Core capital (leverage) ratio | 12.1112% | 1,752 |
| Tier 1 risk-based capital ratio | 15.5120% | 2,823 |
| Total risk-based capital ratio | 16.7647% | 2,762 |
| Memoranda: | ||
| Average total assets | $63,666,250 | 6,258 |
| Average earning assets | $59,276,000 | 6,198 |
| Average equity | $7,789,500 | 6,055 |
| Average total loans | $59,262,250 | 5,321 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5094% | 153 |
| Cost of funding earning assets | 1.4604% | 6,291 |
| Net interest margin | 6.0490% | 105 |
| Noninterest income to average assets | 1.0125% | 1,553 |
| Noninterest expense to average assets | 4.4941% | 783 |
| Loan and lease loss provision to assets | 0.3572% | 3,784 |
| Net operating income to assets | 1.7827% | 486 |
| Return on assets (ROA) | 1.7827% | 525 |
| Pretax return on assets | 1.7827% | 873 |
| Return on Equity (ROE) | 14.7970% | 865 |
| Retained earnings to average equity (ytd only) | 7.0634% | 1,557 |
| Net charge-offs to loans | 0.0067% | 6,505 |
| Credit loss provision to net charge-offs | 5,750.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 344.5000% | 111 |
| Efficiency ratio | 67.7434% | 5,201 |
| Assets per employee ($millions) | 2.9797% | 6,190 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 5,550 |
| Loan loss allowance to noncurrent loans | 65.7685% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.9118% | 2,191 |
| Noncurrent loans to loans | 1.6835% | 3,976 |
| Net loans and leases to total assets | 94.0630% | 23 |
| Net loans and leases to deposits | 119.7514% | 241 |
| Net loans and leases to core deposits | 135.2365% | 1,253 |
| Total domestic deposits to total assets | 78.5486% | 5,941 |
| Equity capital to assets | 12.5420% | 1,904 |
| Core capital (leverage) ratio | 11.8825% | 1,884 |
| Tier 1 risk-based capital ratio | 15.1395% | 2,961 |
| Total risk-based capital ratio | 16.3893% | 2,897 |
| Memoranda: | ||
| Average total assets | $64,395,330 | 6,287 |
| Average earning assets | $59,845,000 | 6,231 |
| Average equity | $7,758,330 | 6,105 |
| Average total loans | $59,594,670 | 5,350 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4407% | 178 |
| Cost of funding earning assets | 1.5186% | 6,351 |
| Net interest margin | 5.9220% | 109 |
| Noninterest income to average assets | 1.0719% | 1,292 |
| Noninterest expense to average assets | 4.4345% | 760 |
| Loan and lease loss provision to assets | 0.3981% | 2,937 |
| Net operating income to assets | 1.7089% | 635 |
| Return on assets (ROA) | 1.7089% | 698 |
| Pretax return on assets | 1.7089% | 1,160 |
| Return on Equity (ROE) | 14.4681% | 1,076 |
| Retained earnings to average equity (ytd only) | 14.4681% | 473 |
| Net charge-offs to loans | -0.0335% | 7,586 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7903% | 5,004 |
| Assets per employee ($millions) | 3.1637% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 6,039 |
| Loan loss allowance to noncurrent loans | 61.7234% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 2.7394% | 2,073 |
| Noncurrent loans to loans | 1.6520% | 3,798 |
| Net loans and leases to total assets | 90.0012% | 135 |
| Net loans and leases to deposits | 110.8670% | 572 |
| Net loans and leases to core deposits | 124.7835% | 2,007 |
| Total domestic deposits to total assets | 81.1794% | 4,897 |
| Equity capital to assets | 11.8200% | 2,369 |
| Core capital (leverage) ratio | 11.9347% | 1,928 |
| Tier 1 risk-based capital ratio | 14.6727% | 3,216 |
| Total risk-based capital ratio | 15.8395% | 3,191 |
| Memoranda: | ||
| Average total assets | $65,306,000 | 6,279 |
| Average earning assets | $60,317,000 | 6,247 |
| Average equity | $7,713,500 | 6,150 |
| Average total loans | $59,633,000 | 5,378 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1213% | 164 |
| Cost of funding earning assets | 2.2101% | 5,556 |
| Net interest margin | 5.9112% | 121 |
| Noninterest income to average assets | 1.3442% | 797 |
| Noninterest expense to average assets | 4.3447% | 998 |
| Loan and lease loss provision to assets | 0.0079% | 7,271 |
| Net operating income to assets | 2.4902% | 129 |
| Return on assets (ROA) | 2.4902% | 130 |
| Pretax return on assets | 2.4902% | 199 |
| Return on Equity (ROE) | 21.5820% | 275 |
| Retained earnings to average equity (ytd only) | 9.9049% | 463 |
| Net charge-offs to loans | 0.4566% | 2,546 |
| Credit loss provision to net charge-offs | 1.8727% | 6,648 |
| Earnings coverage of net charge-offs (x) | 5.9026% | 3,494 |
| Efficiency ratio | 63.4932% | 5,669 |
| Assets per employee ($millions) | 3.0559% | 5,919 |
| Cash dividends to net income (ytd only)* | 54.1057% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 6,519 |
| Loan loss allowance to noncurrent loans | 156.4470% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.8247% | 2,703 |
| Noncurrent loans to loans | 0.5930% | 5,594 |
| Net loans and leases to total assets | 90.8608% | 139 |
| Net loans and leases to deposits | 109.0683% | 894 |
| Net loans and leases to core deposits | 127.7501% | 2,024 |
| Total domestic deposits to total assets | 83.3063% | 3,651 |
| Equity capital to assets | 11.8023% | 2,429 |
| Core capital (leverage) ratio | 11.5890% | 2,200 |
| Tier 1 risk-based capital ratio | 14.6200% | 3,246 |
| Total risk-based capital ratio | 15.6890% | 3,236 |
| Memoranda: | ||
| Average total assets | $63,088,000 | 6,274 |
| Average earning assets | $58,685,200 | 6,233 |
| Average equity | $7,279,200 | 6,360 |
| Average total loans | $58,474,000 | 5,339 |