Home > Ruby Valley Bank > Performance and Condition Ratios
Ruby Valley Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 760 |
| Cost of funding earning assets | 0.1691% | 5,160 |
| Net interest margin | 4.7550% | 384 |
| Noninterest income to average assets | 0.3383% | 4,052 |
| Noninterest expense to average assets | 2.5488% | 3,611 |
| Loan and lease loss provision to assets | -0.3329% | 5,623 |
| Net operating income to assets | 2.6687% | 99 |
| Return on assets (ROA) | 2.6772% | 98 |
| Pretax return on assets | 2.6772% | 141 |
| Return on Equity (ROE) | 18.2108% | 288 |
| Retained earnings to average equity (ytd only) | 7.6528% | 876 |
| Net charge-offs to loans | 0.0527% | 2,751 |
| Credit loss provision to net charge-offs | -1,072.4138% | 5,073 |
| Earnings coverage of net charge-offs (x) | 75.2414% | 804 |
| Efficiency ratio | 52.1806% | 5,092 |
| Assets per employee ($millions) | 5.6261% | 1,817 |
| Cash dividends to net income (ytd only)* | 57.9768% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2828% | 316 |
| Loan loss allowance to noncurrent loans | 208.3467% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 1,967 |
| Noncurrent loans to loans | 1.0957% | 1,616 |
| Net loans and leases to total assets | 58.0942% | 3,995 |
| Net loans and leases to deposits | 68.4063% | 3,997 |
| Net loans and leases to core deposits | 72.3138% | 4,029 |
| Total domestic deposits to total assets | 84.9252% | 2,866 |
| Equity capital to assets | 14.9943% | 677 |
| Core capital (leverage) ratio | 15.5747% | 529 |
| Tier 1 risk-based capital ratio | 22.7287% | 943 |
| Total risk-based capital ratio | 23.9894% | 923 |
| Memoranda: | ||
| Average total assets | $93,417,800 | 4,360 |
| Average earning assets | $89,317,200 | 4,302 |
| Average equity | $13,733,600 | 3,881 |
| Average total loans | $55,056,000 | 4,326 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,111 |
| Cost of funding earning assets | 0.1697% | 5,202 |
| Net interest margin | 4.5422% | 545 |
| Noninterest income to average assets | 0.3317% | 4,164 |
| Noninterest expense to average assets | 2.5112% | 3,694 |
| Loan and lease loss provision to assets | -0.3130% | 5,696 |
| Net operating income to assets | 2.4767% | 137 |
| Return on assets (ROA) | 2.4882% | 136 |
| Pretax return on assets | 2.4882% | 208 |
| Return on Equity (ROE) | 17.0126% | 417 |
| Retained earnings to average equity (ytd only) | 6.2141% | 2,102 |
| Net charge-offs to loans | 0.0855% | 1,944 |
| Credit loss provision to net charge-offs | -622.8571% | 4,851 |
| Earnings coverage of net charge-offs (x) | 43.0529% | 1,231 |
| Efficiency ratio | 53.7162% | 4,950 |
| Assets per employee ($millions) | 5.5632% | 1,868 |
| Cash dividends to net income (ytd only)* | 63.4737% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 276 |
| Loan loss allowance to noncurrent loans | 177.5641% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 1,758 |
| Noncurrent loans to loans | 1.3862% | 1,351 |
| Net loans and leases to total assets | 58.0322% | 4,054 |
| Net loans and leases to deposits | 68.3376% | 4,089 |
| Net loans and leases to core deposits | 72.2700% | 4,110 |
| Total domestic deposits to total assets | 84.9199% | 2,745 |
| Equity capital to assets | 14.9765% | 735 |
| Core capital (leverage) ratio | 15.5599% | 568 |
| Tier 1 risk-based capital ratio | 22.1391% | 1,035 |
| Total risk-based capital ratio | 23.4011% | 1,013 |
| Memoranda: | ||
| Average total assets | $92,861,500 | 4,413 |
| Average earning assets | $88,794,750 | 4,354 |
| Average equity | $13,581,750 | 3,935 |
| Average total loans | $54,604,750 | 4,376 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 1,076 |
| Cost of funding earning assets | 0.1648% | 5,245 |
| Net interest margin | 4.5253% | 537 |
| Noninterest income to average assets | 0.3272% | 4,206 |
| Noninterest expense to average assets | 2.5246% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1476% | 239 |
| Return on assets (ROA) | 2.1649% | 231 |
| Pretax return on assets | 2.1649% | 380 |
| Return on Equity (ROE) | 14.9242% | 672 |
| Retained earnings to average equity (ytd only) | 4.4668% | 3,053 |
| Net charge-offs to loans | 0.1813% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 20.2245% | 1,803 |
| Efficiency ratio | 54.0353% | 5,017 |
| Assets per employee ($millions) | 5.4028% | 1,964 |
| Cash dividends to net income (ytd only)* | 70.0701% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8688% | 184 |
| Loan loss allowance to noncurrent loans | 244.0860% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 2,039 |
| Noncurrent loans to loans | 1.1753% | 1,665 |
| Net loans and leases to total assets | 58.5757% | 3,969 |
| Net loans and leases to deposits | 69.0682% | 3,981 |
| Net loans and leases to core deposits | 73.1694% | 4,005 |
| Total domestic deposits to total assets | 84.8084% | 2,888 |
| Equity capital to assets | 15.0958% | 690 |
| Core capital (leverage) ratio | 15.3389% | 573 |
| Tier 1 risk-based capital ratio | 22.2819% | 1,019 |
| Total risk-based capital ratio | 23.5489% | 996 |
| Memoranda: | ||
| Average total assets | $92,290,330 | 4,456 |
| Average earning assets | $88,613,330 | 4,386 |
| Average equity | $13,387,670 | 3,979 |
| Average total loans | $54,050,000 | 4,416 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 1,117 |
| Cost of funding earning assets | 0.1616% | 5,291 |
| Net interest margin | 4.4491% | 572 |
| Noninterest income to average assets | 0.3286% | 4,196 |
| Noninterest expense to average assets | 2.6505% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9630% | 322 |
| Return on assets (ROA) | 1.9630% | 336 |
| Pretax return on assets | 1.9630% | 544 |
| Return on Equity (ROE) | 13.8109% | 840 |
| Retained earnings to average equity (ytd only) | 1.6427% | 4,447 |
| Net charge-offs to loans | 0.3747% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.0800% | 2,015 |
| Efficiency ratio | 57.4508% | 4,784 |
| Assets per employee ($millions) | 5.4242% | 1,961 |
| Cash dividends to net income (ytd only)* | 88.1057% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9430% | 188 |
| Loan loss allowance to noncurrent loans | 246.2016% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 2,164 |
| Noncurrent loans to loans | 1.1954% | 1,687 |
| Net loans and leases to total assets | 56.7947% | 4,087 |
| Net loans and leases to deposits | 66.4843% | 4,130 |
| Net loans and leases to core deposits | 70.6227% | 4,099 |
| Total domestic deposits to total assets | 85.4258% | 2,912 |
| Equity capital to assets | 14.4462% | 774 |
| Core capital (leverage) ratio | 15.0010% | 602 |
| Tier 1 risk-based capital ratio | 22.3047% | 1,051 |
| Total risk-based capital ratio | 23.5713% | 1,031 |
| Memoranda: | ||
| Average total assets | $92,512,000 | 4,492 |
| Average earning assets | $89,097,500 | 4,419 |
| Average equity | $13,149,000 | 4,036 |
| Average total loans | $53,380,500 | 4,474 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 946 |
| Cost of funding earning assets | 0.1656% | 5,312 |
| Net interest margin | 4.5944% | 516 |
| Noninterest income to average assets | 0.3100% | 4,518 |
| Noninterest expense to average assets | 2.6700% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0586% | 277 |
| Return on assets (ROA) | 2.0639% | 290 |
| Pretax return on assets | 2.0639% | 433 |
| Return on Equity (ROE) | 14.2914% | 729 |
| Retained earnings to average equity (ytd only) | 3.1899% | 3,641 |
| Net charge-offs to loans | -0.0570% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4647% | 5,020 |
| Assets per employee ($millions) | 4.2188% | 3,592 |
| Cash dividends to net income (ytd only)* | 77.6800% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1022% | 154 |
| Loan loss allowance to noncurrent loans | 195.6989% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 2,102 |
| Noncurrent loans to loans | 1.5852% | 1,244 |
| Net loans and leases to total assets | 55.1259% | 4,336 |
| Net loans and leases to deposits | 64.1724% | 4,402 |
| Net loans and leases to core deposits | 68.3408% | 4,369 |
| Total domestic deposits to total assets | 85.9028% | 2,632 |
| Equity capital to assets | 13.9819% | 891 |
| Core capital (leverage) ratio | 14.6685% | 658 |
| Tier 1 risk-based capital ratio | 22.4793% | 1,018 |
| Total risk-based capital ratio | 23.7478% | 1,000 |
| Memoranda: | ||
| Average total assets | $93,558,800 | 4,479 |
| Average earning assets | $89,979,600 | 4,385 |
| Average equity | $13,511,600 | 4,023 |
| Average total loans | $54,405,800 | 4,445 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 906 |
| Cost of funding earning assets | 0.1657% | 5,380 |
| Net interest margin | 4.6299% | 480 |
| Noninterest income to average assets | 0.3029% | 4,601 |
| Noninterest expense to average assets | 2.7293% | 3,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0253% | 329 |
| Return on assets (ROA) | 2.0281% | 339 |
| Pretax return on assets | 2.0281% | 536 |
| Return on Equity (ROE) | 13.9337% | 838 |
| Retained earnings to average equity (ytd only) | 2.6968% | 4,282 |
| Net charge-offs to loans | -0.1241% | 5,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4035% | 4,901 |
| Assets per employee ($millions) | 5.2603% | 2,085 |
| Cash dividends to net income (ytd only)* | 80.6452% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9923% | 189 |
| Loan loss allowance to noncurrent loans | 182.3982% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 2,157 |
| Noncurrent loans to loans | 1.6406% | 1,303 |
| Net loans and leases to total assets | 56.7666% | 4,222 |
| Net loans and leases to deposits | 66.7014% | 4,274 |
| Net loans and leases to core deposits | 71.2865% | 4,225 |
| Total domestic deposits to total assets | 85.1055% | 2,757 |
| Equity capital to assets | 14.7931% | 791 |
| Core capital (leverage) ratio | 14.3896% | 754 |
| Tier 1 risk-based capital ratio | 21.4842% | 1,196 |
| Total risk-based capital ratio | 22.7528% | 1,179 |
| Memoranda: | ||
| Average total assets | $93,745,250 | 4,512 |
| Average earning assets | $90,137,250 | 4,417 |
| Average equity | $13,645,250 | 4,030 |
| Average total loans | $54,806,750 | 4,474 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 1,235 |
| Cost of funding earning assets | 0.1601% | 5,482 |
| Net interest margin | 4.4593% | 675 |
| Noninterest income to average assets | 0.2997% | 4,644 |
| Noninterest expense to average assets | 2.5537% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0400% | 305 |
| Return on assets (ROA) | 2.0400% | 319 |
| Pretax return on assets | 2.0400% | 528 |
| Return on Equity (ROE) | 14.0928% | 816 |
| Retained earnings to average equity (ytd only) | 0.7838% | 5,068 |
| Net charge-offs to loans | -0.0073% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5918% | 5,187 |
| Assets per employee ($millions) | 5.4983% | 1,799 |
| Cash dividends to net income (ytd only)* | 94.4386% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8949% | 225 |
| Loan loss allowance to noncurrent loans | 51.5705% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 3.3379% | 334 |
| Noncurrent loans to loans | 5.6134% | 137 |
| Net loans and leases to total assets | 57.7420% | 4,141 |
| Net loans and leases to deposits | 68.4498% | 4,140 |
| Net loans and leases to core deposits | 73.5133% | 4,031 |
| Total domestic deposits to total assets | 84.3566% | 3,135 |
| Equity capital to assets | 14.7789% | 794 |
| Core capital (leverage) ratio | 14.2543% | 759 |
| Tier 1 risk-based capital ratio | 20.9609% | 1,273 |
| Total risk-based capital ratio | 22.2269% | 1,260 |
| Memoranda: | ||
| Average total assets | $93,431,670 | 4,549 |
| Average earning assets | $89,969,330 | 4,461 |
| Average equity | $13,524,670 | 4,073 |
| Average total loans | $54,606,330 | 4,515 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 1,326 |
| Cost of funding earning assets | 0.1560% | 5,567 |
| Net interest margin | 4.4201% | 705 |
| Noninterest income to average assets | 0.2997% | 4,587 |
| Noninterest expense to average assets | 2.6934% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8542% | 436 |
| Return on assets (ROA) | 1.8542% | 465 |
| Pretax return on assets | 1.8542% | 765 |
| Return on Equity (ROE) | 12.9447% | 1,049 |
| Retained earnings to average equity (ytd only) | 0.9865% | 4,843 |
| Net charge-offs to loans | -0.0074% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2279% | 4,849 |
| Assets per employee ($millions) | 5.5693% | 1,771 |
| Cash dividends to net income (ytd only)* | 92.3788% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9738% | 229 |
| Loan loss allowance to noncurrent loans | 50.8861% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.3376% | 353 |
| Noncurrent loans to loans | 5.8441% | 151 |
| Net loans and leases to total assets | 55.4131% | 4,314 |
| Net loans and leases to deposits | 64.7120% | 4,366 |
| Net loans and leases to core deposits | 69.3555% | 4,282 |
| Total domestic deposits to total assets | 85.6302% | 2,844 |
| Equity capital to assets | 14.2462% | 899 |
| Core capital (leverage) ratio | 14.3165% | 734 |
| Tier 1 risk-based capital ratio | 21.0128% | 1,319 |
| Total risk-based capital ratio | 22.2792% | 1,287 |
| Memoranda: | ||
| Average total assets | $93,412,000 | 4,590 |
| Average earning assets | $89,771,500 | 4,506 |
| Average equity | $13,380,000 | 4,107 |
| Average total loans | $54,119,000 | 4,550 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 465 |
| Cost of funding earning assets | 0.1549% | 5,652 |
| Net interest margin | 5.0007% | 256 |
| Noninterest income to average assets | 0.3160% | 4,632 |
| Noninterest expense to average assets | 2.8720% | 2,958 |
| Loan and lease loss provision to assets | 0.0668% | 2,952 |
| Net operating income to assets | 2.1554% | 267 |
| Return on assets (ROA) | 2.1954% | 258 |
| Pretax return on assets | 2.1954% | 349 |
| Return on Equity (ROE) | 15.4114% | 625 |
| Retained earnings to average equity (ytd only) | 8.3814% | 806 |
| Net charge-offs to loans | 0.0124% | 4,054 |
| Credit loss provision to net charge-offs | 857.1429% | 396 |
| Earnings coverage of net charge-offs (x) | 285.2857% | 251 |
| Efficiency ratio | 56.3783% | 5,311 |
| Assets per employee ($millions) | 5.4204% | 1,886 |
| Cash dividends to net income (ytd only)* | 45.6158% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9668% | 226 |
| Loan loss allowance to noncurrent loans | 49.9068% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 3.4945% | 340 |
| Noncurrent loans to loans | 5.9447% | 144 |
| Net loans and leases to total assets | 57.0388% | 4,194 |
| Net loans and leases to deposits | 66.7086% | 4,247 |
| Net loans and leases to core deposits | 71.6404% | 4,163 |
| Total domestic deposits to total assets | 85.5045% | 2,857 |
| Equity capital to assets | 14.4032% | 798 |
| Core capital (leverage) ratio | 14.5510% | 700 |
| Tier 1 risk-based capital ratio | 21.3404% | 1,241 |
| Total risk-based capital ratio | 22.6073% | 1,224 |
| Memoranda: | ||
| Average total assets | $89,867,800 | 4,678 |
| Average earning assets | $85,867,800 | 4,590 |
| Average equity | $12,802,200 | 4,173 |
| Average total loans | $56,242,400 | 4,495 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 635 |
| Cost of funding earning assets | 0.1548% | 5,745 |
| Net interest margin | 4.8345% | 350 |
| Noninterest income to average assets | 0.3150% | 4,686 |
| Noninterest expense to average assets | 2.7742% | 3,289 |
| Loan and lease loss provision to assets | 0.0896% | 2,371 |
| Net operating income to assets | 2.0664% | 324 |
| Return on assets (ROA) | 2.1052% | 323 |
| Pretax return on assets | 2.1052% | 494 |
| Return on Equity (ROE) | 14.8206% | 752 |
| Retained earnings to average equity (ytd only) | 7.4628% | 1,469 |
| Net charge-offs to loans | 0.0282% | 3,379 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 120.3306% | 533 |
| Efficiency ratio | 56.2689% | 5,317 |
| Assets per employee ($millions) | 5.7160% | 1,584 |
| Cash dividends to net income (ytd only)* | 49.6455% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7512% | 321 |
| Loan loss allowance to noncurrent loans | 44.5867% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.9287% | 305 |
| Noncurrent loans to loans | 6.1704% | 130 |
| Net loans and leases to total assets | 61.9183% | 3,620 |
| Net loans and leases to deposits | 72.3477% | 3,726 |
| Net loans and leases to core deposits | 77.4612% | 3,654 |
| Total domestic deposits to total assets | 85.5843% | 2,744 |
| Equity capital to assets | 14.2932% | 918 |
| Core capital (leverage) ratio | 14.5877% | 721 |
| Tier 1 risk-based capital ratio | 19.9543% | 1,565 |
| Total risk-based capital ratio | 21.2197% | 1,519 |
| Memoranda: | ||
| Average total assets | $89,298,250 | 4,740 |
| Average earning assets | $85,247,000 | 4,655 |
| Average equity | $12,684,750 | 4,243 |
| Average total loans | $56,761,500 | 4,513 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 699 |
| Cost of funding earning assets | 0.1582% | 5,790 |
| Net interest margin | 4.7607% | 387 |
| Noninterest income to average assets | 0.3161% | 4,693 |
| Noninterest expense to average assets | 2.8585% | 3,035 |
| Loan and lease loss provision to assets | 0.1355% | 1,616 |
| Net operating income to assets | 1.8740% | 447 |
| Return on assets (ROA) | 1.9102% | 448 |
| Pretax return on assets | 1.9102% | 722 |
| Return on Equity (ROE) | 13.4760% | 1,021 |
| Retained earnings to average equity (ytd only) | 5.5115% | 2,532 |
| Net charge-offs to loans | 0.0498% | 2,715 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 63.5714% | 811 |
| Efficiency ratio | 58.7199% | 5,142 |
| Assets per employee ($millions) | 5.4496% | 1,790 |
| Cash dividends to net income (ytd only)* | 59.1017% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7820% | 343 |
| Loan loss allowance to noncurrent loans | 24.8718% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 7.3779% | 111 |
| Noncurrent loans to loans | 11.1853% | 38 |
| Net loans and leases to total assets | 64.1256% | 3,251 |
| Net loans and leases to deposits | 74.9816% | 3,384 |
| Net loans and leases to core deposits | 80.5605% | 3,327 |
| Total domestic deposits to total assets | 85.5218% | 2,909 |
| Equity capital to assets | 14.3807% | 853 |
| Core capital (leverage) ratio | 14.2170% | 781 |
| Tier 1 risk-based capital ratio | 19.7190% | 1,618 |
| Total risk-based capital ratio | 20.9851% | 1,573 |
| Memoranda: | ||
| Average total assets | $88,579,000 | 4,803 |
| Average earning assets | $84,693,670 | 4,719 |
| Average equity | $12,555,670 | 4,278 |
| Average total loans | $56,272,000 | 4,571 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 484 |
| Cost of funding earning assets | 0.1599% | 5,840 |
| Net interest margin | 4.9390% | 272 |
| Noninterest income to average assets | 0.3092% | 4,715 |
| Noninterest expense to average assets | 3.1186% | 2,209 |
| Loan and lease loss provision to assets | 0.1344% | 1,540 |
| Net operating income to assets | 1.7609% | 521 |
| Return on assets (ROA) | 1.8281% | 488 |
| Pretax return on assets | 1.8281% | 827 |
| Return on Equity (ROE) | 12.9895% | 1,089 |
| Retained earnings to average equity (ytd only) | 5.0302% | 3,036 |
| Net charge-offs to loans | -0.0144% | 4,891 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1984% | 4,767 |
| Assets per employee ($millions) | 5.2960% | 1,998 |
| Cash dividends to net income (ytd only)* | 61.2745% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8218% | 359 |
| Loan loss allowance to noncurrent loans | 25.6967% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 6.8553% | 137 |
| Noncurrent loans to loans | 10.9810% | 47 |
| Net loans and leases to total assets | 60.6673% | 3,565 |
| Net loans and leases to deposits | 70.9286% | 3,650 |
| Net loans and leases to core deposits | 75.4722% | 3,642 |
| Total domestic deposits to total assets | 85.5329% | 3,161 |
| Equity capital to assets | 14.0872% | 960 |
| Core capital (leverage) ratio | 14.1936% | 767 |
| Tier 1 risk-based capital ratio | 19.8468% | 1,664 |
| Total risk-based capital ratio | 21.1132% | 1,619 |
| Memoranda: | ||
| Average total assets | $89,272,000 | 4,825 |
| Average earning assets | $85,037,000 | 4,747 |
| Average equity | $12,564,000 | 4,312 |
| Average total loans | $55,651,500 | 4,620 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3404% | 420 |
| Cost of funding earning assets | 0.1961% | 5,778 |
| Net interest margin | 5.1443% | 228 |
| Noninterest income to average assets | 0.3597% | 4,525 |
| Noninterest expense to average assets | 2.8551% | 3,280 |
| Loan and lease loss provision to assets | 0.3866% | 471 |
| Net operating income to assets | 2.0057% | 321 |
| Return on assets (ROA) | 2.0057% | 336 |
| Pretax return on assets | 2.0057% | 508 |
| Return on Equity (ROE) | 14.3513% | 873 |
| Retained earnings to average equity (ytd only) | 3.8728% | 3,464 |
| Net charge-offs to loans | 1.2218% | 216 |
| Credit loss provision to net charge-offs | 46.6761% | 3,555 |
| Earnings coverage of net charge-offs (x) | 2.8883% | 4,035 |
| Efficiency ratio | 54.4095% | 5,807 |
| Assets per employee ($millions) | 5.5320% | 1,741 |
| Cash dividends to net income (ytd only)* | 73.0140% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8205% | 361 |
| Loan loss allowance to noncurrent loans | 25.2930% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 7.0002% | 148 |
| Noncurrent loans to loans | 11.1512% | 55 |
| Net loans and leases to total assets | 60.4924% | 3,720 |
| Net loans and leases to deposits | 70.4717% | 3,846 |
| Net loans and leases to core deposits | 75.0470% | 3,818 |
| Total domestic deposits to total assets | 85.8392% | 2,921 |
| Equity capital to assets | 14.0602% | 934 |
| Core capital (leverage) ratio | 14.3245% | 745 |
| Tier 1 risk-based capital ratio | 20.7298% | 1,459 |
| Total risk-based capital ratio | 21.9971% | 1,435 |
| Memoranda: | ||
| Average total assets | $85,355,000 | 4,932 |
| Average earning assets | $81,099,400 | 4,868 |
| Average equity | $11,929,200 | 4,373 |
| Average total loans | $57,866,600 | 4,555 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2397% | 481 |
| Cost of funding earning assets | 0.2028% | 5,803 |
| Net interest margin | 5.0369% | 279 |
| Noninterest income to average assets | 0.3642% | 4,515 |
| Noninterest expense to average assets | 2.8931% | 3,145 |
| Loan and lease loss provision to assets | 0.5203% | 285 |
| Net operating income to assets | 1.7280% | 584 |
| Return on assets (ROA) | 1.7280% | 605 |
| Pretax return on assets | 1.7280% | 1,021 |
| Return on Equity (ROE) | 12.3836% | 1,376 |
| Retained earnings to average equity (ytd only) | 1.0847% | 5,450 |
| Net charge-offs to loans | 1.6166% | 139 |
| Credit loss provision to net charge-offs | 46.4789% | 3,166 |
| Earnings coverage of net charge-offs (x) | 2.0085% | 4,017 |
| Efficiency ratio | 56.2711% | 5,636 |
| Assets per employee ($millions) | 4.9771% | 2,266 |
| Cash dividends to net income (ytd only)* | 91.2407% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5358% | 620 |
| Loan loss allowance to noncurrent loans | 25.9712% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 7.1197% | 163 |
| Noncurrent loans to loans | 9.7638% | 79 |
| Net loans and leases to total assets | 70.4574% | 2,123 |
| Net loans and leases to deposits | 84.5805% | 2,080 |
| Net loans and leases to core deposits | 90.7353% | 2,153 |
| Total domestic deposits to total assets | 83.3022% | 4,031 |
| Equity capital to assets | 14.1957% | 939 |
| Core capital (leverage) ratio | 14.0799% | 822 |
| Tier 1 risk-based capital ratio | 18.2427% | 2,138 |
| Total risk-based capital ratio | 19.5069% | 2,098 |
| Memoranda: | ||
| Average total assets | $84,565,750 | 5,008 |
| Average earning assets | $80,206,250 | 4,937 |
| Average equity | $11,800,250 | 4,424 |
| Average total loans | $58,559,000 | 4,573 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 573 |
| Cost of funding earning assets | 0.2073% | 5,854 |
| Net interest margin | 4.9280% | 326 |
| Noninterest income to average assets | 0.3595% | 4,543 |
| Noninterest expense to average assets | 2.9189% | 3,103 |
| Loan and lease loss provision to assets | 0.4258% | 390 |
| Net operating income to assets | 1.6818% | 596 |
| Return on assets (ROA) | 1.6818% | 635 |
| Pretax return on assets | 1.6818% | 1,055 |
| Return on Equity (ROE) | 12.1228% | 1,382 |
| Retained earnings to average equity (ytd only) | -0.6650% | 5,807 |
| Net charge-offs to loans | 2.2707% | 90 |
| Credit loss provision to net charge-offs | 27.4809% | 3,091 |
| Earnings coverage of net charge-offs (x) | 1.3603% | 3,827 |
| Efficiency ratio | 58.0706% | 5,549 |
| Assets per employee ($millions) | 4.7091% | 2,595 |
| Cash dividends to net income (ytd only)* | 105.4852% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4488% | 764 |
| Loan loss allowance to noncurrent loans | 23.6325% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 7.4005% | 161 |
| Noncurrent loans to loans | 10.3621% | 74 |
| Net loans and leases to total assets | 68.4265% | 2,341 |
| Net loans and leases to deposits | 79.7013% | 2,559 |
| Net loans and leases to core deposits | 84.7386% | 2,650 |
| Total domestic deposits to total assets | 85.8537% | 3,122 |
| Equity capital to assets | 14.0177% | 962 |
| Core capital (leverage) ratio | 14.0956% | 805 |
| Tier 1 risk-based capital ratio | 18.4720% | 2,078 |
| Total risk-based capital ratio | 19.7354% | 2,031 |
| Memoranda: | ||
| Average total assets | $84,551,000 | 5,048 |
| Average earning assets | $80,073,670 | 4,979 |
| Average equity | $11,730,000 | 4,448 |
| Average total loans | $57,690,330 | 4,628 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 1,131 |
| Cost of funding earning assets | 0.2097% | 5,921 |
| Net interest margin | 4.5476% | 606 |
| Noninterest income to average assets | 0.3268% | 4,756 |
| Noninterest expense to average assets | 3.1311% | 2,435 |
| Loan and lease loss provision to assets | 0.1421% | 1,713 |
| Net operating income to assets | 1.3689% | 1,061 |
| Return on assets (ROA) | 1.3689% | 1,104 |
| Pretax return on assets | 1.3689% | 1,853 |
| Return on Equity (ROE) | 9.9193% | 2,071 |
| Retained earnings to average equity (ytd only) | -7.2421% | 6,255 |
| Net charge-offs to loans | 0.8098% | 429 |
| Credit loss provision to net charge-offs | 26.0870% | 2,437 |
| Earnings coverage of net charge-offs (x) | 2.7739% | 2,802 |
| Efficiency ratio | 67.4490% | 4,283 |
| Assets per employee ($millions) | 4.6708% | 2,702 |
| Cash dividends to net income (ytd only)* | 173.0104% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2022% | 356 |
| Loan loss allowance to noncurrent loans | 30.7667% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 7.1984% | 208 |
| Noncurrent loans to loans | 10.4082% | 91 |
| Net loans and leases to total assets | 66.3713% | 2,503 |
| Net loans and leases to deposits | 77.1190% | 2,670 |
| Net loans and leases to core deposits | 81.7226% | 2,763 |
| Total domestic deposits to total assets | 86.0635% | 3,335 |
| Equity capital to assets | 13.8009% | 987 |
| Core capital (leverage) ratio | 13.9029% | 852 |
| Tier 1 risk-based capital ratio | 19.0218% | 1,961 |
| Total risk-based capital ratio | 20.2945% | 1,919 |
| Memoranda: | ||
| Average total assets | $84,444,500 | 5,104 |
| Average earning assets | $80,131,000 | 5,022 |
| Average equity | $11,654,000 | 4,479 |
| Average total loans | $56,807,000 | 4,696 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7990% | 228 |
| Cost of funding earning assets | 0.2414% | 6,024 |
| Net interest margin | 5.5576% | 119 |
| Noninterest income to average assets | 0.3997% | 4,444 |
| Noninterest expense to average assets | 3.1102% | 2,701 |
| Loan and lease loss provision to assets | 0.2452% | 1,474 |
| Net operating income to assets | 2.3232% | 207 |
| Return on assets (ROA) | 2.3256% | 210 |
| Pretax return on assets | 2.3256% | 255 |
| Return on Equity (ROE) | 16.7580% | 531 |
| Retained earnings to average equity (ytd only) | 9.2491% | 723 |
| Net charge-offs to loans | -0.0515% | 6,342 |
| Credit loss provision to net charge-offs | -666.6667% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7712% | 6,075 |
| Assets per employee ($millions) | 4.7119% | 2,570 |
| Cash dividends to net income (ytd only)* | 44.8076% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4502% | 304 |
| Loan loss allowance to noncurrent loans | 34.5006% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 6.6604% | 265 |
| Noncurrent loans to loans | 10.0005% | 112 |
| Net loans and leases to total assets | 63.7104% | 3,089 |
| Net loans and leases to deposits | 74.0219% | 3,248 |
| Net loans and leases to core deposits | 78.1093% | 3,346 |
| Total domestic deposits to total assets | 86.0697% | 3,227 |
| Equity capital to assets | 13.8006% | 964 |
| Core capital (leverage) ratio | 14.2918% | 743 |
| Tier 1 risk-based capital ratio | 20.2890% | 1,588 |
| Total risk-based capital ratio | 21.5658% | 1,553 |
| Memoranda: | ||
| Average total assets | $81,569,200 | 5,210 |
| Average earning assets | $77,478,800 | 5,105 |
| Average equity | $11,320,000 | 4,575 |
| Average total loans | $58,228,400 | 4,680 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 370 |
| Cost of funding earning assets | 0.2505% | 6,079 |
| Net interest margin | 5.2583% | 199 |
| Noninterest income to average assets | 0.4094% | 4,460 |
| Noninterest expense to average assets | 3.1616% | 2,474 |
| Loan and lease loss provision to assets | 0.2064% | 1,760 |
| Net operating income to assets | 2.0324% | 343 |
| Return on assets (ROA) | 2.0324% | 355 |
| Pretax return on assets | 2.0324% | 541 |
| Return on Equity (ROE) | 14.6234% | 865 |
| Retained earnings to average equity (ytd only) | 8.0898% | 1,375 |
| Net charge-offs to loans | -0.0816% | 6,451 |
| Credit loss provision to net charge-offs | -347.2222% | 5,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5448% | 5,618 |
| Assets per employee ($millions) | 4.4781% | 2,918 |
| Cash dividends to net income (ytd only)* | 44.6795% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1099% | 490 |
| Loan loss allowance to noncurrent loans | 31.1371% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 7.4833% | 258 |
| Noncurrent loans to loans | 9.9878% | 133 |
| Net loans and leases to total assets | 71.9686% | 1,600 |
| Net loans and leases to deposits | 84.0837% | 1,867 |
| Net loans and leases to core deposits | 89.0053% | 2,076 |
| Total domestic deposits to total assets | 85.5916% | 3,454 |
| Equity capital to assets | 14.2632% | 891 |
| Core capital (leverage) ratio | 14.4953% | 737 |
| Tier 1 risk-based capital ratio | 18.5065% | 2,138 |
| Total risk-based capital ratio | 19.7793% | 2,103 |
| Memoranda: | ||
| Average total assets | $80,757,750 | 5,271 |
| Average earning assets | $76,651,750 | 5,178 |
| Average equity | $11,223,750 | 4,639 |
| Average total loans | $58,793,750 | 4,688 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 374 |
| Cost of funding earning assets | 0.2580% | 6,120 |
| Net interest margin | 5.2391% | 199 |
| Noninterest income to average assets | 0.3886% | 4,608 |
| Noninterest expense to average assets | 3.0814% | 2,720 |
| Loan and lease loss provision to assets | 0.3094% | 1,149 |
| Net operating income to assets | 1.9726% | 372 |
| Return on assets (ROA) | 1.9726% | 397 |
| Pretax return on assets | 1.9726% | 636 |
| Return on Equity (ROE) | 14.3182% | 942 |
| Retained earnings to average equity (ytd only) | 8.9287% | 1,154 |
| Net charge-offs to loans | -0.1129% | 6,530 |
| Credit loss provision to net charge-offs | -378.7879% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4527% | 5,802 |
| Assets per employee ($millions) | 4.3627% | 3,071 |
| Cash dividends to net income (ytd only)* | 37.6412% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1457% | 501 |
| Loan loss allowance to noncurrent loans | 29.8827% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 7.9882% | 255 |
| Noncurrent loans to loans | 10.5269% | 140 |
| Net loans and leases to total assets | 72.8874% | 1,424 |
| Net loans and leases to deposits | 85.2375% | 1,654 |
| Net loans and leases to core deposits | 91.3220% | 1,779 |
| Total domestic deposits to total assets | 85.5109% | 3,638 |
| Equity capital to assets | 14.3414% | 865 |
| Core capital (leverage) ratio | 13.9836% | 826 |
| Tier 1 risk-based capital ratio | 18.4123% | 2,173 |
| Total risk-based capital ratio | 19.6845% | 2,125 |
| Memoranda: | ||
| Average total assets | $80,808,330 | 5,300 |
| Average earning assets | $76,731,330 | 5,207 |
| Average equity | $11,132,670 | 4,700 |
| Average total loans | $58,434,000 | 4,727 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 693 |
| Cost of funding earning assets | 0.2674% | 6,178 |
| Net interest margin | 4.8704% | 355 |
| Noninterest income to average assets | 0.3563% | 4,820 |
| Noninterest expense to average assets | 3.2850% | 2,119 |
| Loan and lease loss provision to assets | 0.3661% | 876 |
| Net operating income to assets | 1.3277% | 1,212 |
| Return on assets (ROA) | 1.3277% | 1,313 |
| Pretax return on assets | 1.3277% | 2,133 |
| Return on Equity (ROE) | 9.8301% | 2,128 |
| Retained earnings to average equity (ytd only) | 4.4091% | 3,592 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9804% | 4,663 |
| Assets per employee ($millions) | 4.2739% | 3,384 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0544% | 622 |
| Loan loss allowance to noncurrent loans | 28.4433% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 7.7595% | 330 |
| Noncurrent loans to loans | 10.7385% | 180 |
| Net loans and leases to total assets | 69.4178% | 1,767 |
| Net loans and leases to deposits | 80.7512% | 1,979 |
| Net loans and leases to core deposits | 89.3415% | 1,771 |
| Total domestic deposits to total assets | 85.9650% | 3,541 |
| Equity capital to assets | 13.7013% | 1,135 |
| Core capital (leverage) ratio | 13.3156% | 1,011 |
| Tier 1 risk-based capital ratio | 18.1010% | 2,319 |
| Total risk-based capital ratio | 19.3731% | 2,276 |
| Memoranda: | ||
| Average total assets | $81,948,500 | 5,322 |
| Average earning assets | $77,776,000 | 5,211 |
| Average equity | $11,068,000 | 4,755 |
| Average total loans | $58,103,000 | 4,773 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1294% | 221 |
| Cost of funding earning assets | 0.3649% | 6,132 |
| Net interest margin | 5.7645% | 115 |
| Noninterest income to average assets | 0.3762% | 4,780 |
| Noninterest expense to average assets | 2.8614% | 3,806 |
| Loan and lease loss provision to assets | 1.1136% | 337 |
| Net operating income to assets | 1.8485% | 474 |
| Return on assets (ROA) | 1.8485% | 525 |
| Pretax return on assets | 1.8485% | 832 |
| Return on Equity (ROE) | 13.3609% | 1,140 |
| Retained earnings to average equity (ytd only) | 1.3552% | 5,199 |
| Net charge-offs to loans | 0.2544% | 3,419 |
| Credit loss provision to net charge-offs | 597.9730% | 411 |
| Earnings coverage of net charge-offs (x) | 15.9054% | 1,620 |
| Efficiency ratio | 49.1357% | 6,643 |
| Assets per employee ($millions) | 4.5941% | 2,794 |
| Cash dividends to net income (ytd only)* | 89.8570% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9297% | 711 |
| Loan loss allowance to noncurrent loans | 76.4838% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.9059% | 1,637 |
| Noncurrent loans to loans | 3.8305% | 1,263 |
| Net loans and leases to total assets | 68.1545% | 2,159 |
| Net loans and leases to deposits | 78.7390% | 2,434 |
| Net loans and leases to core deposits | 86.7422% | 2,225 |
| Total domestic deposits to total assets | 86.5575% | 3,071 |
| Equity capital to assets | 13.3143% | 1,306 |
| Core capital (leverage) ratio | 13.3596% | 999 |
| Tier 1 risk-based capital ratio | 17.8283% | 2,320 |
| Total risk-based capital ratio | 19.0987% | 2,289 |
| Memoranda: | ||
| Average total assets | $79,471,200 | 5,368 |
| Average earning assets | $75,097,200 | 5,274 |
| Average equity | $10,994,800 | 4,765 |
| Average total loans | $58,175,600 | 4,789 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2089% | 208 |
| Cost of funding earning assets | 0.3890% | 6,182 |
| Net interest margin | 5.8200% | 116 |
| Noninterest income to average assets | 0.3780% | 4,798 |
| Noninterest expense to average assets | 2.8915% | 3,632 |
| Loan and lease loss provision to assets | 1.4152% | 230 |
| Net operating income to assets | 1.5746% | 907 |
| Return on assets (ROA) | 1.5746% | 1,004 |
| Pretax return on assets | 1.5746% | 1,658 |
| Return on Equity (ROE) | 11.2696% | 1,865 |
| Retained earnings to average equity (ytd only) | 1.3223% | 5,643 |
| Net charge-offs to loans | 0.1489% | 3,917 |
| Credit loss provision to net charge-offs | 1,284.6154% | 214 |
| Earnings coverage of net charge-offs (x) | 27.1399% | 1,193 |
| Efficiency ratio | 49.1643% | 6,653 |
| Assets per employee ($millions) | 4.0919% | 3,693 |
| Cash dividends to net income (ytd only)* | 88.2670% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9338% | 775 |
| Loan loss allowance to noncurrent loans | 75.3585% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 3.0329% | 1,721 |
| Noncurrent loans to loans | 3.8931% | 1,330 |
| Net loans and leases to total assets | 73.7919% | 1,276 |
| Net loans and leases to deposits | 86.1401% | 1,588 |
| Net loans and leases to core deposits | 95.6072% | 1,442 |
| Total domestic deposits to total assets | 85.6650% | 3,433 |
| Equity capital to assets | 14.1870% | 1,084 |
| Core capital (leverage) ratio | 13.8030% | 899 |
| Tier 1 risk-based capital ratio | 17.5431% | 2,525 |
| Total risk-based capital ratio | 18.8141% | 2,483 |
| Memoranda: | ||
| Average total assets | $78,665,750 | 5,443 |
| Average earning assets | $74,386,000 | 5,355 |
| Average equity | $10,991,000 | 4,806 |
| Average total loans | $58,204,500 | 4,834 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1549% | 237 |
| Cost of funding earning assets | 0.4121% | 6,205 |
| Net interest margin | 5.7428% | 128 |
| Noninterest income to average assets | 0.3773% | 4,819 |
| Noninterest expense to average assets | 2.8567% | 3,794 |
| Loan and lease loss provision to assets | 0.5698% | 1,068 |
| Net operating income to assets | 2.3857% | 206 |
| Return on assets (ROA) | 2.3857% | 237 |
| Pretax return on assets | 2.3857% | 355 |
| Return on Equity (ROE) | 17.1616% | 616 |
| Retained earnings to average equity (ytd only) | 6.7772% | 2,232 |
| Net charge-offs to loans | -0.1174% | 6,885 |
| Credit loss provision to net charge-offs | -661.7647% | 6,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1503% | 6,696 |
| Assets per employee ($millions) | 4.5723% | 2,769 |
| Cash dividends to net income (ytd only)* | 60.5096% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0319% | 2,146 |
| Loan loss allowance to noncurrent loans | 66.4313% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 2.4418% | 2,289 |
| Noncurrent loans to loans | 3.0586% | 1,921 |
| Net loans and leases to total assets | 75.8623% | 983 |
| Net loans and leases to deposits | 88.8552% | 1,272 |
| Net loans and leases to core deposits | 98.7557% | 1,197 |
| Total domestic deposits to total assets | 85.3774% | 3,676 |
| Equity capital to assets | 14.4554% | 929 |
| Core capital (leverage) ratio | 13.9238% | 824 |
| Tier 1 risk-based capital ratio | 17.6063% | 2,435 |
| Total risk-based capital ratio | 18.8658% | 2,404 |
| Memoranda: | ||
| Average total assets | $78,972,000 | 5,466 |
| Average earning assets | $74,737,330 | 5,371 |
| Average equity | $10,978,000 | 4,817 |
| Average total loans | $57,904,330 | 4,873 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6507% | 570 |
| Cost of funding earning assets | 0.4457% | 6,172 |
| Net interest margin | 5.2050% | 293 |
| Noninterest income to average assets | 0.3518% | 5,047 |
| Noninterest expense to average assets | 3.0254% | 3,167 |
| Loan and lease loss provision to assets | 0.2513% | 2,444 |
| Net operating income to assets | 2.0052% | 412 |
| Return on assets (ROA) | 2.0052% | 473 |
| Pretax return on assets | 2.0052% | 728 |
| Return on Equity (ROE) | 14.7110% | 1,034 |
| Retained earnings to average equity (ytd only) | 2.9127% | 4,796 |
| Net charge-offs to loans | -0.0634% | 6,634 |
| Credit loss provision to net charge-offs | -555.5556% | 5,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2788% | 6,008 |
| Assets per employee ($millions) | 4.4391% | 3,107 |
| Cash dividends to net income (ytd only)* | 80.2005% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 3,168 |
| Loan loss allowance to noncurrent loans | 59.4767% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.1526% | 2,727 |
| Noncurrent loans to loans | 2.9390% | 2,194 |
| Net loans and leases to total assets | 71.9635% | 1,410 |
| Net loans and leases to deposits | 83.4557% | 1,733 |
| Net loans and leases to core deposits | 91.0388% | 1,748 |
| Total domestic deposits to total assets | 86.2296% | 3,396 |
| Equity capital to assets | 13.5915% | 1,203 |
| Core capital (leverage) ratio | 13.6416% | 894 |
| Tier 1 risk-based capital ratio | 17.5765% | 2,449 |
| Total risk-based capital ratio | 18.8322% | 2,417 |
| Memoranda: | ||
| Average total assets | $79,593,500 | 5,486 |
| Average earning assets | $75,389,000 | 5,385 |
| Average equity | $10,849,000 | 4,852 |
| Average total loans | $56,761,500 | 4,953 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3440% | 238 |
| Cost of funding earning assets | 0.6322% | 5,915 |
| Net interest margin | 5.7118% | 125 |
| Noninterest income to average assets | 0.3711% | 4,852 |
| Noninterest expense to average assets | 2.8661% | 4,102 |
| Loan and lease loss provision to assets | 0.5013% | 2,098 |
| Net operating income to assets | 2.3804% | 162 |
| Return on assets (ROA) | 2.3804% | 172 |
| Pretax return on assets | 2.3804% | 262 |
| Return on Equity (ROE) | 17.4534% | 428 |
| Retained earnings to average equity (ytd only) | 7.9056% | 1,113 |
| Net charge-offs to loans | 1.0098% | 1,722 |
| Credit loss provision to net charge-offs | 67.1902% | 4,954 |
| Earnings coverage of net charge-offs (x) | 3.8621% | 3,364 |
| Efficiency ratio | 49.8641% | 6,841 |
| Assets per employee ($millions) | 4.1728% | 3,506 |
| Cash dividends to net income (ytd only)* | 54.7046% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 3,014 |
| Loan loss allowance to noncurrent loans | 67.9352% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 3,007 |
| Noncurrent loans to loans | 2.5800% | 2,542 |
| Net loans and leases to total assets | 68.1537% | 2,371 |
| Net loans and leases to deposits | 79.0980% | 2,670 |
| Net loans and leases to core deposits | 86.1995% | 2,610 |
| Total domestic deposits to total assets | 86.1637% | 3,222 |
| Equity capital to assets | 13.6698% | 1,188 |
| Core capital (leverage) ratio | 13.3317% | 1,029 |
| Tier 1 risk-based capital ratio | 18.4973% | 2,047 |
| Total risk-based capital ratio | 19.7539% | 2,011 |
| Memoranda: | ||
| Average total assets | $76,793,800 | 5,544 |
| Average earning assets | $72,288,400 | 5,465 |
| Average equity | $10,473,600 | 4,908 |
| Average total loans | $56,742,800 | 4,994 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5019% | 193 |
| Cost of funding earning assets | 0.6734% | 5,914 |
| Net interest margin | 5.8285% | 109 |
| Noninterest income to average assets | 0.3676% | 4,930 |
| Noninterest expense to average assets | 2.8724% | 4,046 |
| Loan and lease loss provision to assets | 0.3676% | 2,655 |
| Net operating income to assets | 2.6116% | 130 |
| Return on assets (ROA) | 2.6116% | 137 |
| Pretax return on assets | 2.6116% | 201 |
| Return on Equity (ROE) | 19.1599% | 370 |
| Retained earnings to average equity (ytd only) | 10.1707% | 796 |
| Net charge-offs to loans | 0.3684% | 3,249 |
| Credit loss provision to net charge-offs | 132.9114% | 2,395 |
| Earnings coverage of net charge-offs (x) | 10.7722% | 1,879 |
| Efficiency ratio | 49.0876% | 6,881 |
| Assets per employee ($millions) | 4.3194% | 3,240 |
| Cash dividends to net income (ytd only)* | 46.9170% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0706% | 2,143 |
| Loan loss allowance to noncurrent loans | 45.6406% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 3.5794% | 1,750 |
| Noncurrent loans to loans | 4.5368% | 1,424 |
| Net loans and leases to total assets | 73.2386% | 1,465 |
| Net loans and leases to deposits | 85.3526% | 1,778 |
| Net loans and leases to core deposits | 93.4626% | 1,836 |
| Total domestic deposits to total assets | 85.8071% | 3,323 |
| Equity capital to assets | 14.0000% | 1,157 |
| Core capital (leverage) ratio | 13.6587% | 992 |
| Tier 1 risk-based capital ratio | 17.6115% | 2,393 |
| Total risk-based capital ratio | 18.8718% | 2,360 |
| Memoranda: | ||
| Average total assets | $76,171,250 | 5,604 |
| Average earning assets | $71,669,250 | 5,528 |
| Average equity | $10,382,500 | 4,940 |
| Average total loans | $57,178,750 | 5,027 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4865% | 209 |
| Cost of funding earning assets | 0.7020% | 5,948 |
| Net interest margin | 5.7845% | 114 |
| Noninterest income to average assets | 0.3437% | 5,129 |
| Noninterest expense to average assets | 2.9718% | 3,749 |
| Loan and lease loss provision to assets | 0.3569% | 2,644 |
| Net operating income to assets | 2.4615% | 176 |
| Return on assets (ROA) | 2.4615% | 181 |
| Pretax return on assets | 2.4615% | 262 |
| Return on Equity (ROE) | 18.2281% | 449 |
| Retained earnings to average equity (ytd only) | 10.3965% | 770 |
| Net charge-offs to loans | 0.2392% | 3,692 |
| Credit loss provision to net charge-offs | 198.5294% | 1,526 |
| Earnings coverage of net charge-offs (x) | 15.6765% | 1,391 |
| Efficiency ratio | 51.3242% | 6,846 |
| Assets per employee ($millions) | 4.5175% | 2,804 |
| Cash dividends to net income (ytd only)* | 42.9646% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 2,112 |
| Loan loss allowance to noncurrent loans | 69.7768% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.5482% | 2,626 |
| Noncurrent loans to loans | 3.0166% | 2,403 |
| Net loans and leases to total assets | 73.8209% | 1,449 |
| Net loans and leases to deposits | 85.8231% | 1,815 |
| Net loans and leases to core deposits | 94.0338% | 1,890 |
| Total domestic deposits to total assets | 86.0153% | 3,318 |
| Equity capital to assets | 13.7777% | 1,171 |
| Core capital (leverage) ratio | 13.7375% | 934 |
| Tier 1 risk-based capital ratio | 17.3803% | 2,386 |
| Total risk-based capital ratio | 18.6420% | 2,351 |
| Memoranda: | ||
| Average total assets | $75,645,000 | 5,668 |
| Average earning assets | $71,224,330 | 5,583 |
| Average equity | $10,215,000 | 4,990 |
| Average total loans | $56,856,000 | 5,089 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3730% | 251 |
| Cost of funding earning assets | 0.7351% | 5,949 |
| Net interest margin | 5.6379% | 132 |
| Noninterest income to average assets | 0.3304% | 5,261 |
| Noninterest expense to average assets | 3.3409% | 2,441 |
| Loan and lease loss provision to assets | 0.3197% | 2,632 |
| Net operating income to assets | 1.9822% | 358 |
| Return on assets (ROA) | 1.9822% | 372 |
| Pretax return on assets | 1.9822% | 573 |
| Return on Equity (ROE) | 14.8325% | 849 |
| Retained earnings to average equity (ytd only) | 6.8581% | 2,210 |
| Net charge-offs to loans | 0.0071% | 5,020 |
| Credit loss provision to net charge-offs | 6,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 60 |
| Efficiency ratio | 59.2068% | 6,100 |
| Assets per employee ($millions) | 4.4123% | 3,029 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1231% | 2,133 |
| Loan loss allowance to noncurrent loans | 32.0032% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 5.0447% | 1,246 |
| Noncurrent loans to loans | 6.6342% | 877 |
| Net loans and leases to total assets | 74.4271% | 1,280 |
| Net loans and leases to deposits | 86.2806% | 1,683 |
| Net loans and leases to core deposits | 94.2928% | 1,851 |
| Total domestic deposits to total assets | 86.2616% | 3,353 |
| Equity capital to assets | 13.5170% | 1,175 |
| Core capital (leverage) ratio | 13.3811% | 999 |
| Tier 1 risk-based capital ratio | 16.9677% | 2,488 |
| Total risk-based capital ratio | 18.2283% | 2,456 |
| Memoranda: | ||
| Average total assets | $75,068,500 | 5,726 |
| Average earning assets | $70,735,500 | 5,641 |
| Average equity | $10,032,000 | 5,045 |
| Average total loans | $56,328,000 | 5,157 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1461% | 120 |
| Cost of funding earning assets | 0.9475% | 5,946 |
| Net interest margin | 6.1986% | 87 |
| Noninterest income to average assets | 0.3794% | 5,068 |
| Noninterest expense to average assets | 2.9100% | 4,188 |
| Loan and lease loss provision to assets | 0.2818% | 4,552 |
| Net operating income to assets | 2.9966% | 74 |
| Return on assets (ROA) | 3.0021% | 76 |
| Pretax return on assets | 3.0021% | 122 |
| Return on Equity (ROE) | 23.2015% | 132 |
| Retained earnings to average equity (ytd only) | 12.5781% | 236 |
| Net charge-offs to loans | 0.0575% | 6,215 |
| Credit loss provision to net charge-offs | 621.2121% | 345 |
| Earnings coverage of net charge-offs (x) | 72.2727% | 330 |
| Efficiency ratio | 47.0235% | 7,315 |
| Assets per employee ($millions) | 4.1738% | 3,436 |
| Cash dividends to net income (ytd only)* | 45.7875% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 2,127 |
| Loan loss allowance to noncurrent loans | 39.8754% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.8454% | 1,783 |
| Noncurrent loans to loans | 5.1944% | 1,280 |
| Net loans and leases to total assets | 72.4976% | 1,983 |
| Net loans and leases to deposits | 83.7294% | 2,494 |
| Net loans and leases to core deposits | 92.4139% | 2,448 |
| Total domestic deposits to total assets | 86.5856% | 3,037 |
| Equity capital to assets | 13.2108% | 1,297 |
| Core capital (leverage) ratio | 13.5974% | 961 |
| Tier 1 risk-based capital ratio | 17.4747% | 2,184 |
| Total risk-based capital ratio | 18.7352% | 2,146 |
| Memoranda: | ||
| Average total assets | $72,749,000 | 5,792 |
| Average earning assets | $68,176,800 | 5,726 |
| Average equity | $9,413,200 | 5,296 |
| Average total loans | $57,380,400 | 5,185 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2533% | 111 |
| Cost of funding earning assets | 1.0024% | 5,929 |
| Net interest margin | 6.2509% | 79 |
| Noninterest income to average assets | 0.3677% | 5,210 |
| Noninterest expense to average assets | 2.9307% | 3,978 |
| Loan and lease loss provision to assets | 0.2402% | 4,679 |
| Net operating income to assets | 3.0508% | 77 |
| Return on assets (ROA) | 3.0582% | 79 |
| Pretax return on assets | 3.0582% | 114 |
| Return on Equity (ROE) | 23.7647% | 145 |
| Retained earnings to average equity (ytd only) | 14.0721% | 267 |
| Net charge-offs to loans | 0.0023% | 6,647 |
| Credit loss provision to net charge-offs | 13,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,785.4211% | 13 |
| Efficiency ratio | 47.1042% | 7,325 |
| Assets per employee ($millions) | 4.0051% | 3,823 |
| Cash dividends to net income (ytd only)* | 40.7856% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 2,641 |
| Loan loss allowance to noncurrent loans | 72.0598% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.1348% | 3,288 |
| Noncurrent loans to loans | 2.5610% | 3,062 |
| Net loans and leases to total assets | 81.8202% | 519 |
| Net loans and leases to deposits | 97.5523% | 837 |
| Net loans and leases to core deposits | 109.2032% | 1,082 |
| Total domestic deposits to total assets | 83.8732% | 4,199 |
| Equity capital to assets | 13.6633% | 1,289 |
| Core capital (leverage) ratio | 13.4354% | 1,083 |
| Tier 1 risk-based capital ratio | 15.9521% | 2,787 |
| Total risk-based capital ratio | 17.2102% | 2,730 |
| Memoranda: | ||
| Average total assets | $72,154,250 | 5,875 |
| Average earning assets | $67,572,500 | 5,812 |
| Average equity | $9,285,250 | 5,408 |
| Average total loans | $57,821,000 | 5,242 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9301% | 171 |
| Cost of funding earning assets | 1.0484% | 5,922 |
| Net interest margin | 5.8817% | 111 |
| Noninterest income to average assets | 0.3575% | 5,287 |
| Noninterest expense to average assets | 2.9317% | 3,955 |
| Loan and lease loss provision to assets | 0.1663% | 5,222 |
| Net operating income to assets | 2.7627% | 104 |
| Return on assets (ROA) | 2.7738% | 107 |
| Pretax return on assets | 2.7738% | 158 |
| Return on Equity (ROE) | 22.0073% | 214 |
| Retained earnings to average equity (ytd only) | 13.7628% | 318 |
| Net charge-offs to loans | -0.0070% | 7,152 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0236% | 7,222 |
| Assets per employee ($millions) | 3.9651% | 3,833 |
| Cash dividends to net income (ytd only)* | 37.4625% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7982% | 2,721 |
| Loan loss allowance to noncurrent loans | 45.9471% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 3.2268% | 2,184 |
| Noncurrent loans to loans | 3.9137% | 1,947 |
| Net loans and leases to total assets | 79.8044% | 825 |
| Net loans and leases to deposits | 92.4073% | 1,467 |
| Net loans and leases to core deposits | 103.0821% | 1,726 |
| Total domestic deposits to total assets | 86.3616% | 2,893 |
| Equity capital to assets | 13.3946% | 1,391 |
| Core capital (leverage) ratio | 12.8924% | 1,246 |
| Tier 1 risk-based capital ratio | 15.7061% | 2,804 |
| Total risk-based capital ratio | 16.9633% | 2,762 |
| Memoranda: | ||
| Average total assets | $72,175,330 | 5,913 |
| Average earning assets | $67,531,330 | 5,843 |
| Average equity | $9,097,000 | 5,476 |
| Average total loans | $57,063,330 | 5,302 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8045% | 220 |
| Cost of funding earning assets | 1.0967% | 5,927 |
| Net interest margin | 5.7078% | 141 |
| Noninterest income to average assets | 0.3197% | 5,590 |
| Noninterest expense to average assets | 3.0368% | 3,539 |
| Loan and lease loss provision to assets | 0.1653% | 4,873 |
| Net operating income to assets | 2.4526% | 161 |
| Return on assets (ROA) | 2.4526% | 176 |
| Pretax return on assets | 2.4526% | 269 |
| Return on Equity (ROE) | 20.0778% | 379 |
| Retained earnings to average equity (ytd only) | 11.0541% | 909 |
| Net charge-offs to loans | -0.0141% | 6,989 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7037% | 7,000 |
| Assets per employee ($millions) | 3.7989% | 4,316 |
| Cash dividends to net income (ytd only)* | 44.9438% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7669% | 2,837 |
| Loan loss allowance to noncurrent loans | 80.5732% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 3,868 |
| Noncurrent loans to loans | 2.1930% | 3,536 |
| Net loans and leases to total assets | 77.9479% | 1,161 |
| Net loans and leases to deposits | 89.3714% | 2,008 |
| Net loans and leases to core deposits | 99.5611% | 2,175 |
| Total domestic deposits to total assets | 87.2179% | 2,520 |
| Equity capital to assets | 12.4842% | 1,770 |
| Core capital (leverage) ratio | 12.3561% | 1,469 |
| Tier 1 risk-based capital ratio | 15.3580% | 2,941 |
| Total risk-based capital ratio | 16.6159% | 2,885 |
| Memoranda: | ||
| Average total assets | $72,577,000 | 5,980 |
| Average earning assets | $67,837,500 | 5,913 |
| Average equity | $8,865,500 | 5,580 |
| Average total loans | $56,594,500 | 5,400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4200% | 147 |
| Cost of funding earning assets | 1.4590% | 5,685 |
| Net interest margin | 5.9610% | 115 |
| Noninterest income to average assets | 0.1956% | 6,696 |
| Noninterest expense to average assets | 3.2128% | 3,334 |
| Loan and lease loss provision to assets | 0.4426% | 4,175 |
| Net operating income to assets | 1.9834% | 238 |
| Return on assets (ROA) | 1.9834% | 248 |
| Pretax return on assets | 1.9834% | 418 |
| Return on Equity (ROE) | 16.4056% | 513 |
| Retained earnings to average equity (ytd only) | 5.1851% | 1,726 |
| Net charge-offs to loans | 0.1550% | 5,714 |
| Credit loss provision to net charge-offs | 356.3218% | 902 |
| Earnings coverage of net charge-offs (x) | 19.5287% | 1,079 |
| Efficiency ratio | 56.9764% | 6,891 |
| Assets per employee ($millions) | 3.8408% | 4,172 |
| Cash dividends to net income (ytd only)* | 68.3945% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 2,700 |
| Loan loss allowance to noncurrent loans | 71.8475% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.1199% | 3,242 |
| Noncurrent loans to loans | 2.4394% | 3,110 |
| Net loans and leases to total assets | 75.2792% | 1,971 |
| Net loans and leases to deposits | 85.7743% | 2,951 |
| Net loans and leases to core deposits | 110.3223% | 2,860 |
| Total domestic deposits to total assets | 87.7643% | 2,085 |
| Equity capital to assets | 11.9493% | 2,063 |
| Core capital (leverage) ratio | 12.0278% | 1,658 |
| Tier 1 risk-based capital ratio | 15.1727% | 2,855 |
| Total risk-based capital ratio | 16.4296% | 2,812 |
| Memoranda: | ||
| Average total assets | $70,032,800 | 6,002 |
| Average earning assets | $63,948,600 | 6,002 |
| Average equity | $8,466,600 | 5,775 |
| Average total loans | $56,124,000 | 5,412 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5371% | 141 |
| Cost of funding earning assets | 1.5387% | 5,674 |
| Net interest margin | 5.9983% | 111 |
| Noninterest income to average assets | 0.2598% | 6,371 |
| Noninterest expense to average assets | 3.2651% | 3,052 |
| Loan and lease loss provision to assets | 0.4040% | 3,896 |
| Net operating income to assets | 2.0433% | 266 |
| Return on assets (ROA) | 2.0433% | 293 |
| Pretax return on assets | 2.0433% | 501 |
| Return on Equity (ROE) | 16.8501% | 562 |
| Retained earnings to average equity (ytd only) | 6.5370% | 1,695 |
| Net charge-offs to loans | 0.1970% | 4,833 |
| Credit loss provision to net charge-offs | 253.0120% | 1,692 |
| Earnings coverage of net charge-offs (x) | 15.3259% | 1,540 |
| Efficiency ratio | 57.1573% | 6,849 |
| Assets per employee ($millions) | 3.6842% | 4,464 |
| Cash dividends to net income (ytd only)* | 61.2058% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,291 |
| Loan loss allowance to noncurrent loans | 46.5508% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 3.3786% | 1,987 |
| Noncurrent loans to loans | 3.2821% | 2,301 |
| Net loans and leases to total assets | 81.3929% | 917 |
| Net loans and leases to deposits | 93.3603% | 1,990 |
| Net loans and leases to core deposits | 121.2260% | 2,139 |
| Total domestic deposits to total assets | 87.1814% | 2,087 |
| Equity capital to assets | 12.5100% | 1,949 |
| Core capital (leverage) ratio | 12.3222% | 1,654 |
| Tier 1 risk-based capital ratio | 14.5567% | 3,247 |
| Total risk-based capital ratio | 15.8103% | 3,192 |
| Memoranda: | ||
| Average total assets | $69,297,250 | 6,064 |
| Average earning assets | $62,993,750 | 6,070 |
| Average equity | $8,403,250 | 5,852 |
| Average total loans | $56,176,250 | 5,455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6179% | 133 |
| Cost of funding earning assets | 1.6239% | 5,643 |
| Net interest margin | 5.9940% | 111 |
| Noninterest income to average assets | 0.3070% | 6,055 |
| Noninterest expense to average assets | 3.3361% | 2,836 |
| Loan and lease loss provision to assets | 0.1738% | 5,317 |
| Net operating income to assets | 2.1951% | 197 |
| Return on assets (ROA) | 2.1951% | 216 |
| Pretax return on assets | 2.1951% | 363 |
| Return on Equity (ROE) | 18.2974% | 466 |
| Retained earnings to average equity (ytd only) | 5.0209% | 2,490 |
| Net charge-offs to loans | 0.0611% | 5,643 |
| Credit loss provision to net charge-offs | 352.9412% | 1,314 |
| Earnings coverage of net charge-offs (x) | 48.1176% | 702 |
| Efficiency ratio | 58.4772% | 6,773 |
| Assets per employee ($millions) | 3.7024% | 4,324 |
| Cash dividends to net income (ytd only)* | 72.5594% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 3,730 |
| Loan loss allowance to noncurrent loans | 37.2266% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 3.7814% | 1,612 |
| Noncurrent loans to loans | 3.7576% | 1,839 |
| Net loans and leases to total assets | 80.1635% | 1,286 |
| Net loans and leases to deposits | 91.5349% | 2,565 |
| Net loans and leases to core deposits | 115.4371% | 2,768 |
| Total domestic deposits to total assets | 87.5769% | 1,981 |
| Equity capital to assets | 12.0847% | 2,157 |
| Core capital (leverage) ratio | 12.2381% | 1,727 |
| Tier 1 risk-based capital ratio | 14.2542% | 3,378 |
| Total risk-based capital ratio | 15.5065% | 3,311 |
| Memoranda: | ||
| Average total assets | $69,063,000 | 6,107 |
| Average earning assets | $62,196,000 | 6,139 |
| Average equity | $8,285,330 | 5,922 |
| Average total loans | $55,615,330 | 5,528 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6160% | 147 |
| Cost of funding earning assets | 1.8515% | 4,870 |
| Net interest margin | 5.7646% | 131 |
| Noninterest income to average assets | 0.3391% | 5,742 |
| Noninterest expense to average assets | 3.6187% | 1,829 |
| Loan and lease loss provision to assets | 0.1754% | 4,710 |
| Net operating income to assets | 1.6778% | 675 |
| Return on assets (ROA) | 1.6778% | 742 |
| Pretax return on assets | 1.6778% | 1,220 |
| Return on Equity (ROE) | 14.0385% | 1,161 |
| Retained earnings to average equity (ytd only) | -3.0816% | 6,298 |
| Net charge-offs to loans | 0.1167% | 4,036 |
| Credit loss provision to net charge-offs | 187.5000% | 2,334 |
| Earnings coverage of net charge-offs (x) | 19.8125% | 1,404 |
| Efficiency ratio | 66.1325% | 5,303 |
| Assets per employee ($millions) | 3.3570% | 5,183 |
| Cash dividends to net income (ytd only)* | 121.9512% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 3,498 |
| Loan loss allowance to noncurrent loans | 43.4122% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 3.2604% | 1,692 |
| Noncurrent loans to loans | 3.2259% | 2,002 |
| Net loans and leases to total assets | 80.8517% | 1,227 |
| Net loans and leases to deposits | 92.3494% | 2,537 |
| Net loans and leases to core deposits | 114.2968% | 2,981 |
| Total domestic deposits to total assets | 87.5497% | 1,949 |
| Equity capital to assets | 12.1524% | 2,166 |
| Core capital (leverage) ratio | 11.9826% | 1,908 |
| Tier 1 risk-based capital ratio | 14.5311% | 3,293 |
| Total risk-based capital ratio | 15.7842% | 3,220 |
| Memoranda: | ||
| Average total assets | $68,422,000 | 6,163 |
| Average earning assets | $60,924,000 | 6,218 |
| Average equity | $8,177,500 | 5,995 |
| Average total loans | $54,827,500 | 5,597 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5638% | 98 |
| Cost of funding earning assets | 1.7515% | 7,131 |
| Net interest margin | 6.8123% | 62 |
| Noninterest income to average assets | 0.2066% | 6,964 |
| Noninterest expense to average assets | 3.3684% | 2,767 |
| Loan and lease loss provision to assets | 0.0932% | 6,195 |
| Net operating income to assets | 2.8603% | 75 |
| Return on assets (ROA) | 2.8619% | 75 |
| Pretax return on assets | 2.8619% | 110 |
| Return on Equity (ROE) | 22.9670% | 214 |
| Retained earnings to average equity (ytd only) | 6.7579% | 1,238 |
| Net charge-offs to loans | 0.0181% | 6,616 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 190.1000% | 246 |
| Efficiency ratio | 53.2809% | 7,353 |
| Assets per employee ($millions) | 3.4853% | 4,710 |
| Cash dividends to net income (ytd only)* | 70.5755% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 3,278 |
| Loan loss allowance to noncurrent loans | 113.3234% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.5508% | 3,123 |
| Noncurrent loans to loans | 1.2234% | 4,068 |
| Net loans and leases to total assets | 77.2455% | 2,316 |
| Net loans and leases to deposits | 91.0681% | 3,280 |
| Net loans and leases to core deposits | 109.9239% | 3,786 |
| Total domestic deposits to total assets | 84.8217% | 2,925 |
| Equity capital to assets | 11.7581% | 2,462 |
| Core capital (leverage) ratio | 12.1226% | 1,914 |
| Tier 1 risk-based capital ratio | 14.7278% | 3,190 |
| Total risk-based capital ratio | 15.9810% | 3,107 |
| Memoranda: | ||
| Average total assets | $64,363,800 | 6,217 |
| Average earning assets | $57,778,200 | 6,271 |
| Average equity | $8,020,200 | 6,081 |
| Average total loans | $55,303,200 | 5,483 |