Home > State Bank of Belle Plaine > Performance and Condition Ratios
State Bank of Belle Plaine, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,203 |
| Cost of funding earning assets | 0.5268% | 3,813 |
| Net interest margin | 3.2875% | 3,621 |
| Noninterest income to average assets | 0.3301% | 3,551 |
| Noninterest expense to average assets | 1.7824% | 4,688 |
| Loan and lease loss provision to assets | 0.1729% | 1,707 |
| Net operating income to assets | 1.3171% | 1,195 |
| Return on assets (ROA) | 1.3360% | 1,234 |
| Pretax return on assets | 1.3360% | 1,761 |
| Return on Equity (ROE) | 9.3959% | 1,955 |
| Retained earnings to average equity (ytd only) | 9.3959% | 867 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3535% | 4,530 |
| Assets per employee ($millions) | 6.2034% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1044% | 5,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 3,557 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 42.4283% | 4,574 |
| Net loans and leases to deposits | 50.0475% | 4,588 |
| Net loans and leases to core deposits | 50.7476% | 4,656 |
| Total domestic deposits to total assets | 84.7761% | 2,501 |
| Equity capital to assets | 15.0651% | 744 |
| Core capital (leverage) ratio | 10.6874% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9913% | 747 |
| Memoranda: | ||
| Average total assets | $127,246,000 | 3,616 |
| Average earning assets | $113,887,000 | 3,646 |
| Average equity | $18,093,000 | 3,357 |
| Average total loans | $52,796,000 | 4,096 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7498% | 5,172 |
| Cost of funding earning assets | 0.1223% | 5,081 |
| Net interest margin | 0.6275% | 5,169 |
| Noninterest income to average assets | 0.0812% | 4,971 |
| Noninterest expense to average assets | 0.4509% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2243% | 4,824 |
| Return on assets (ROA) | 0.2243% | 4,846 |
| Pretax return on assets | 0.2243% | 4,869 |
| Return on Equity (ROE) | 2.0448% | 4,793 |
| Retained earnings to average equity (ytd only) | 2.0448% | 3,978 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7381% | 4,006 |
| Assets per employee ($millions) | 6.5212% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 3,592 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 40.5577% | 4,713 |
| Net loans and leases to deposits | 46.9186% | 4,763 |
| Net loans and leases to core deposits | 47.6352% | 4,803 |
| Total domestic deposits to total assets | 86.4427% | 1,871 |
| Equity capital to assets | 13.4139% | 1,322 |
| Core capital (leverage) ratio | 9.9262% | 3,595 |
| Tier 1 risk-based capital ratio | 19.0206% | 1,510 |
| Total risk-based capital ratio | 19.0206% | 1,774 |
| Memoranda: | ||
| Average total assets | $124,412,400 | 3,636 |
| Average earning assets | $117,766,600 | 3,591 |
| Average equity | $13,644,400 | 3,797 |
| Average total loans | $52,060,400 | 4,141 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 4,757 |
| Cost of funding earning assets | 0.5135% | 4,088 |
| Net interest margin | 3.2101% | 4,273 |
| Noninterest income to average assets | 0.3395% | 3,695 |
| Noninterest expense to average assets | 2.7076% | 2,852 |
| Loan and lease loss provision to assets | 0.1681% | 1,103 |
| Net operating income to assets | 0.4773% | 4,575 |
| Return on assets (ROA) | 0.4773% | 4,614 |
| Pretax return on assets | 0.5359% | 4,642 |
| Return on Equity (ROE) | 4.6259% | 4,447 |
| Retained earnings to average equity (ytd only) | 1.4719% | 4,444 |
| Net charge-offs to loans | 0.2983% | 586 |
| Credit loss provision to net charge-offs | 133.6207% | 1,787 |
| Earnings coverage of net charge-offs (x) | 5.5949% | 2,909 |
| Efficiency ratio | 79.3641% | 977 |
| Assets per employee ($millions) | 5.5271% | 2,005 |
| Cash dividends to net income (ytd only)* | 68.1821% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,638 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 41.1597% | 4,775 |
| Net loans and leases to deposits | 46.5689% | 4,861 |
| Net loans and leases to core deposits | 47.2102% | 4,890 |
| Total domestic deposits to total assets | 88.3846% | 882 |
| Equity capital to assets | 10.9731% | 3,113 |
| Core capital (leverage) ratio | 10.4001% | 3,202 |
| Tier 1 risk-based capital ratio | 22.2964% | 1,034 |
| Total risk-based capital ratio | 23.3481% | 1,029 |
| Memoranda: | ||
| Average total assets | $122,909,500 | 3,688 |
| Average earning assets | $117,625,000 | 3,626 |
| Average equity | $12,681,750 | 3,954 |
| Average total loans | $51,851,250 | 4,190 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,867 |
| Cost of funding earning assets | 0.4955% | 4,135 |
| Net interest margin | 3.1717% | 4,414 |
| Noninterest income to average assets | 0.3097% | 3,856 |
| Noninterest expense to average assets | 2.2814% | 4,050 |
| Loan and lease loss provision to assets | 0.1459% | 1,266 |
| Net operating income to assets | 0.7556% | 3,808 |
| Return on assets (ROA) | 0.7556% | 3,872 |
| Pretax return on assets | 0.9129% | 3,804 |
| Return on Equity (ROE) | 7.4791% | 3,508 |
| Retained earnings to average equity (ytd only) | 2.6642% | 3,868 |
| Net charge-offs to loans | 0.4440% | 368 |
| Credit loss provision to net charge-offs | 77.5862% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.6293% | 2,633 |
| Efficiency ratio | 68.3010% | 2,485 |
| Assets per employee ($millions) | 5.6132% | 1,859 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 3,655 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 41.6260% | 4,793 |
| Net loans and leases to deposits | 46.8199% | 4,877 |
| Net loans and leases to core deposits | 47.4513% | 4,924 |
| Total domestic deposits to total assets | 88.9068% | 700 |
| Equity capital to assets | 10.6818% | 3,359 |
| Core capital (leverage) ratio | 10.4407% | 3,153 |
| Tier 1 risk-based capital ratio | 21.7207% | 1,091 |
| Total risk-based capital ratio | 22.6307% | 1,112 |
| Memoranda: | ||
| Average total assets | $123,347,000 | 3,705 |
| Average earning assets | $117,854,670 | 3,652 |
| Average equity | $12,461,330 | 3,987 |
| Average total loans | $52,255,000 | 4,212 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6725% | 4,884 |
| Cost of funding earning assets | 0.4769% | 4,174 |
| Net interest margin | 3.1955% | 4,393 |
| Noninterest income to average assets | 0.3115% | 3,780 |
| Noninterest expense to average assets | 2.4368% | 3,668 |
| Loan and lease loss provision to assets | 0.0487% | 2,680 |
| Net operating income to assets | 0.7236% | 3,863 |
| Return on assets (ROA) | 0.7236% | 3,912 |
| Pretax return on assets | 0.8696% | 3,863 |
| Return on Equity (ROE) | 7.3740% | 3,516 |
| Retained earnings to average equity (ytd only) | -2.5462% | 4,786 |
| Net charge-offs to loans | 0.9691% | 147 |
| Credit loss provision to net charge-offs | 11.8110% | 2,176 |
| Earnings coverage of net charge-offs (x) | 2.2283% | 2,514 |
| Efficiency ratio | 72.6306% | 1,937 |
| Assets per employee ($millions) | 5.4920% | 1,988 |
| Cash dividends to net income (ytd only)* | 134.5291% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,685 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 42.8314% | 4,797 |
| Net loans and leases to deposits | 47.8631% | 4,880 |
| Net loans and leases to core deposits | 48.7982% | 4,921 |
| Total domestic deposits to total assets | 89.4873% | 647 |
| Equity capital to assets | 10.2777% | 3,547 |
| Core capital (leverage) ratio | 10.1256% | 3,456 |
| Tier 1 risk-based capital ratio | 21.0739% | 1,154 |
| Total risk-based capital ratio | 21.8270% | 1,211 |
| Memoranda: | ||
| Average total assets | $123,275,500 | 3,744 |
| Average earning assets | $117,413,500 | 3,692 |
| Average equity | $12,096,500 | 4,046 |
| Average total loans | $52,417,500 | 4,256 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,759 |
| Cost of funding earning assets | 0.3799% | 4,107 |
| Net interest margin | 3.2570% | 4,364 |
| Noninterest income to average assets | 0.3347% | 3,876 |
| Noninterest expense to average assets | 2.3274% | 4,056 |
| Loan and lease loss provision to assets | 0.0992% | 2,200 |
| Net operating income to assets | 0.8067% | 3,781 |
| Return on assets (ROA) | 0.8232% | 3,715 |
| Pretax return on assets | 1.0323% | 3,504 |
| Return on Equity (ROE) | 8.7781% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.2528% | 2,629 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6923% | 2,599 |
| Assets per employee ($millions) | 5.7148% | 1,759 |
| Cash dividends to net income (ytd only)* | 40.1606% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,392 |
| Loan loss allowance to noncurrent loans | 117.4468% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 3,054 |
| Noncurrent loans to loans | 0.8928% | 1,803 |
| Net loans and leases to total assets | 41.4330% | 4,897 |
| Net loans and leases to deposits | 45.7686% | 4,987 |
| Net loans and leases to core deposits | 46.6177% | 5,020 |
| Total domestic deposits to total assets | 90.5270% | 317 |
| Equity capital to assets | 9.3656% | 4,248 |
| Core capital (leverage) ratio | 10.0952% | 3,465 |
| Tier 1 risk-based capital ratio | 20.6573% | 1,200 |
| Total risk-based capital ratio | 21.5777% | 1,230 |
| Memoranda: | ||
| Average total assets | $120,991,800 | 3,774 |
| Average earning assets | $115,289,600 | 3,730 |
| Average equity | $11,346,400 | 4,110 |
| Average total loans | $51,658,800 | 4,281 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5161% | 4,916 |
| Cost of funding earning assets | 0.3466% | 4,200 |
| Net interest margin | 3.1695% | 4,575 |
| Noninterest income to average assets | 0.3250% | 3,969 |
| Noninterest expense to average assets | 2.3359% | 4,005 |
| Loan and lease loss provision to assets | 0.0501% | 2,987 |
| Net operating income to assets | 0.7918% | 3,932 |
| Return on assets (ROA) | 0.8146% | 3,868 |
| Pretax return on assets | 0.9893% | 3,747 |
| Return on Equity (ROE) | 8.6837% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.9385% | 3,809 |
| Net charge-offs to loans | 0.0026% | 3,389 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 911.2556% | 96 |
| Efficiency ratio | 69.7806% | 2,232 |
| Assets per employee ($millions) | 5.5931% | 1,832 |
| Cash dividends to net income (ytd only)* | 54.6446% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,297 |
| Loan loss allowance to noncurrent loans | 101.2766% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 3,159 |
| Noncurrent loans to loans | 0.8799% | 1,940 |
| Net loans and leases to total assets | 43.0243% | 4,916 |
| Net loans and leases to deposits | 47.3656% | 5,027 |
| Net loans and leases to core deposits | 48.0465% | 5,065 |
| Total domestic deposits to total assets | 90.8345% | 262 |
| Equity capital to assets | 9.0013% | 4,552 |
| Core capital (leverage) ratio | 10.0490% | 3,579 |
| Tier 1 risk-based capital ratio | 19.9651% | 1,340 |
| Total risk-based capital ratio | 20.7489% | 1,405 |
| Memoranda: | ||
| Average total assets | $119,808,250 | 3,831 |
| Average earning assets | $114,252,750 | 3,780 |
| Average equity | $11,239,250 | 4,166 |
| Average total loans | $51,412,500 | 4,332 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 4,957 |
| Cost of funding earning assets | 0.3323% | 4,184 |
| Net interest margin | 3.1360% | 4,650 |
| Noninterest income to average assets | 0.3234% | 4,025 |
| Noninterest expense to average assets | 2.3617% | 3,992 |
| Loan and lease loss provision to assets | 0.0505% | 2,906 |
| Net operating income to assets | 0.7450% | 4,049 |
| Return on assets (ROA) | 0.7799% | 3,925 |
| Pretax return on assets | 0.9416% | 3,837 |
| Return on Equity (ROE) | 8.1993% | 3,417 |
| Retained earnings to average equity (ytd only) | 1.1157% | 4,731 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3123% | 2,114 |
| Assets per employee ($millions) | 5.4655% | 1,920 |
| Cash dividends to net income (ytd only)* | 86.3931% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 4,385 |
| Loan loss allowance to noncurrent loans | 98.2979% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 3,177 |
| Noncurrent loans to loans | 0.9052% | 1,909 |
| Net loans and leases to total assets | 42.7982% | 4,954 |
| Net loans and leases to deposits | 47.2444% | 5,053 |
| Net loans and leases to core deposits | 47.7459% | 5,105 |
| Total domestic deposits to total assets | 90.5889% | 364 |
| Equity capital to assets | 9.2814% | 4,303 |
| Core capital (leverage) ratio | 10.2647% | 3,273 |
| Tier 1 risk-based capital ratio | 19.8936% | 1,339 |
| Total risk-based capital ratio | 20.6688% | 1,408 |
| Memoranda: | ||
| Average total assets | $118,728,000 | 3,881 |
| Average earning assets | $113,139,000 | 3,825 |
| Average equity | $11,293,670 | 4,185 |
| Average total loans | $50,744,330 | 4,386 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4437% | 4,961 |
| Cost of funding earning assets | 0.3315% | 4,126 |
| Net interest margin | 3.1122% | 4,679 |
| Noninterest income to average assets | 0.3357% | 3,912 |
| Noninterest expense to average assets | 2.4616% | 3,772 |
| Loan and lease loss provision to assets | 0.0509% | 2,758 |
| Net operating income to assets | 0.6485% | 4,282 |
| Return on assets (ROA) | 0.7188% | 4,046 |
| Pretax return on assets | 0.8680% | 3,956 |
| Return on Equity (ROE) | 7.4645% | 3,606 |
| Retained earnings to average equity (ytd only) | -6.6194% | 5,274 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6914% | 1,796 |
| Assets per employee ($millions) | 5.2171% | 2,236 |
| Cash dividends to net income (ytd only)* | 188.6792% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,525 |
| Loan loss allowance to noncurrent loans | 90.4858% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 3,116 |
| Noncurrent loans to loans | 0.9739% | 1,871 |
| Net loans and leases to total assets | 43.8049% | 4,908 |
| Net loans and leases to deposits | 48.5028% | 5,024 |
| Net loans and leases to core deposits | 49.0426% | 5,067 |
| Total domestic deposits to total assets | 90.3143% | 537 |
| Equity capital to assets | 9.5272% | 4,067 |
| Core capital (leverage) ratio | 10.1164% | 3,408 |
| Tier 1 risk-based capital ratio | 19.5673% | 1,423 |
| Total risk-based capital ratio | 20.3210% | 1,498 |
| Memoranda: | ||
| Average total assets | $117,971,500 | 3,935 |
| Average earning assets | $112,203,500 | 3,883 |
| Average equity | $11,360,500 | 4,217 |
| Average total loans | $50,155,000 | 4,441 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 4,809 |
| Cost of funding earning assets | 0.3266% | 3,905 |
| Net interest margin | 3.1557% | 4,555 |
| Noninterest income to average assets | 0.3386% | 4,049 |
| Noninterest expense to average assets | 2.4548% | 3,927 |
| Loan and lease loss provision to assets | 0.1309% | 1,752 |
| Net operating income to assets | 0.6856% | 3,656 |
| Return on assets (ROA) | 0.7226% | 3,549 |
| Pretax return on assets | 0.7863% | 4,284 |
| Return on Equity (ROE) | 7.1443% | 3,202 |
| Retained earnings to average equity (ytd only) | 0.2416% | 4,925 |
| Net charge-offs to loans | 1.0994% | 155 |
| Credit loss provision to net charge-offs | 27.0758% | 3,561 |
| Earnings coverage of net charge-offs (x) | 1.8141% | 3,849 |
| Efficiency ratio | 73.6773% | 1,948 |
| Assets per employee ($millions) | 5.2681% | 2,183 |
| Cash dividends to net income (ytd only)* | 96.6184% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 4,592 |
| Loan loss allowance to noncurrent loans | 91.7197% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 3,302 |
| Noncurrent loans to loans | 0.9499% | 1,872 |
| Net loans and leases to total assets | 40.5667% | 5,110 |
| Net loans and leases to deposits | 45.0317% | 5,214 |
| Net loans and leases to core deposits | 45.6401% | 5,246 |
| Total domestic deposits to total assets | 90.0847% | 542 |
| Equity capital to assets | 9.7272% | 3,998 |
| Core capital (leverage) ratio | 10.0518% | 3,387 |
| Tier 1 risk-based capital ratio | 19.8877% | 1,345 |
| Total risk-based capital ratio | 20.6162% | 1,414 |
| Memoranda: | ||
| Average total assets | $114,590,400 | 3,986 |
| Average earning assets | $108,692,400 | 3,941 |
| Average equity | $11,589,600 | 4,209 |
| Average total loans | $50,390,800 | 4,448 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 4,795 |
| Cost of funding earning assets | 0.3239% | 3,902 |
| Net interest margin | 3.1851% | 4,492 |
| Noninterest income to average assets | 0.3341% | 4,147 |
| Noninterest expense to average assets | 2.4861% | 3,783 |
| Loan and lease loss provision to assets | 0.1771% | 1,137 |
| Net operating income to assets | 0.6169% | 4,324 |
| Return on assets (ROA) | 0.6658% | 4,192 |
| Pretax return on assets | 0.7437% | 4,501 |
| Return on Equity (ROE) | 6.5160% | 3,906 |
| Retained earnings to average equity (ytd only) | -2.7266% | 5,467 |
| Net charge-offs to loans | 1.3388% | 123 |
| Credit loss provision to net charge-offs | 29.5276% | 3,081 |
| Earnings coverage of net charge-offs (x) | 1.4449% | 3,573 |
| Efficiency ratio | 74.1549% | 1,872 |
| Assets per employee ($millions) | 5.0313% | 2,414 |
| Cash dividends to net income (ytd only)* | 141.8442% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,323 |
| Loan loss allowance to noncurrent loans | 91.9231% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 3,235 |
| Noncurrent loans to loans | 1.0330% | 1,874 |
| Net loans and leases to total assets | 43.0885% | 5,072 |
| Net loans and leases to deposits | 48.1586% | 5,183 |
| Net loans and leases to core deposits | 48.7424% | 5,242 |
| Total domestic deposits to total assets | 89.4720% | 666 |
| Equity capital to assets | 10.2230% | 3,672 |
| Core capital (leverage) ratio | 10.1237% | 3,415 |
| Tier 1 risk-based capital ratio | 19.5995% | 1,455 |
| Total risk-based capital ratio | 20.4121% | 1,505 |
| Memoranda: | ||
| Average total assets | $112,946,500 | 4,052 |
| Average earning assets | $107,039,000 | 4,007 |
| Average equity | $11,540,500 | 4,262 |
| Average total loans | $50,592,250 | 4,489 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 4,769 |
| Cost of funding earning assets | 0.3253% | 3,843 |
| Net interest margin | 3.1736% | 4,488 |
| Noninterest income to average assets | 0.3249% | 4,224 |
| Noninterest expense to average assets | 2.5102% | 3,713 |
| Loan and lease loss provision to assets | 0.1964% | 939 |
| Net operating income to assets | 0.5536% | 4,504 |
| Return on assets (ROA) | 0.5874% | 4,411 |
| Pretax return on assets | 0.6517% | 4,681 |
| Return on Equity (ROE) | 5.7497% | 4,155 |
| Retained earnings to average equity (ytd only) | -8.2314% | 5,617 |
| Net charge-offs to loans | 0.2644% | 773 |
| Credit loss provision to net charge-offs | 164.1791% | 1,439 |
| Earnings coverage of net charge-offs (x) | 6.7761% | 2,668 |
| Efficiency ratio | 75.5914% | 1,791 |
| Assets per employee ($millions) | 4.9631% | 2,435 |
| Cash dividends to net income (ytd only)* | 243.1611% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 1,006 |
| Loan loss allowance to noncurrent loans | 91.4672% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 2,101 |
| Noncurrent loans to loans | 1.8925% | 923 |
| Net loans and leases to total assets | 43.7136% | 5,055 |
| Net loans and leases to deposits | 48.8670% | 5,179 |
| Net loans and leases to core deposits | 49.4662% | 5,242 |
| Total domestic deposits to total assets | 89.4544% | 742 |
| Equity capital to assets | 10.2223% | 3,652 |
| Core capital (leverage) ratio | 10.3518% | 3,067 |
| Tier 1 risk-based capital ratio | 19.3400% | 1,512 |
| Total risk-based capital ratio | 20.5935% | 1,459 |
| Memoranda: | ||
| Average total assets | $112,022,000 | 4,099 |
| Average earning assets | $105,748,000 | 4,052 |
| Average equity | $11,444,000 | 4,286 |
| Average total loans | $50,676,330 | 4,509 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5521% | 4,545 |
| Cost of funding earning assets | 0.3295% | 3,748 |
| Net interest margin | 3.2226% | 4,272 |
| Noninterest income to average assets | 0.3317% | 4,177 |
| Noninterest expense to average assets | 2.6461% | 3,319 |
| Loan and lease loss provision to assets | 0.0361% | 3,073 |
| Net operating income to assets | 0.6121% | 4,104 |
| Return on assets (ROA) | 0.6056% | 4,188 |
| Pretax return on assets | 0.6741% | 4,520 |
| Return on Equity (ROE) | 5.9304% | 3,955 |
| Retained earnings to average equity (ytd only) | -22.3095% | 5,753 |
| Net charge-offs to loans | 0.0553% | 1,779 |
| Credit loss provision to net charge-offs | 142.8571% | 1,245 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 1,252 |
| Efficiency ratio | 78.6710% | 1,536 |
| Assets per employee ($millions) | 4.5613% | 3,076 |
| Cash dividends to net income (ytd only)* | 476.1905% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 1,217 |
| Loan loss allowance to noncurrent loans | 66.9593% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 1,540 |
| Noncurrent loans to loans | 2.4882% | 626 |
| Net loans and leases to total assets | 45.2344% | 4,975 |
| Net loans and leases to deposits | 50.4339% | 5,105 |
| Net loans and leases to core deposits | 51.0758% | 5,183 |
| Total domestic deposits to total assets | 89.6905% | 798 |
| Equity capital to assets | 10.1734% | 3,540 |
| Core capital (leverage) ratio | 10.3838% | 3,024 |
| Tier 1 risk-based capital ratio | 19.6571% | 1,462 |
| Total risk-based capital ratio | 20.9107% | 1,433 |
| Memoranda: | ||
| Average total assets | $110,957,000 | 4,154 |
| Average earning assets | $104,388,000 | 4,119 |
| Average equity | $11,331,500 | 4,331 |
| Average total loans | $50,625,000 | 4,541 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 4,318 |
| Cost of funding earning assets | 0.3115% | 3,938 |
| Net interest margin | 3.3564% | 3,974 |
| Noninterest income to average assets | 0.3670% | 4,121 |
| Noninterest expense to average assets | 2.6716% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7277% | 3,652 |
| Return on assets (ROA) | 0.7953% | 3,427 |
| Pretax return on assets | 0.9097% | 3,817 |
| Return on Equity (ROE) | 7.1922% | 3,376 |
| Retained earnings to average equity (ytd only) | 0.5711% | 5,099 |
| Net charge-offs to loans | 0.0041% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 454.5000% | 181 |
| Efficiency ratio | 76.2539% | 1,944 |
| Assets per employee ($millions) | 4.6851% | 2,811 |
| Cash dividends to net income (ytd only)* | 92.0598% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 1,275 |
| Loan loss allowance to noncurrent loans | 1,441.3793% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,991 |
| Noncurrent loans to loans | 0.1140% | 4,776 |
| Net loans and leases to total assets | 44.5172% | 5,084 |
| Net loans and leases to deposits | 49.6553% | 5,226 |
| Net loans and leases to core deposits | 50.3192% | 5,294 |
| Total domestic deposits to total assets | 89.6524% | 794 |
| Equity capital to assets | 10.2506% | 3,448 |
| Core capital (leverage) ratio | 10.5135% | 2,868 |
| Tier 1 risk-based capital ratio | 20.2377% | 1,334 |
| Total risk-based capital ratio | 21.4900% | 1,309 |
| Memoranda: | ||
| Average total assets | $109,261,200 | 4,180 |
| Average earning assets | $102,102,800 | 4,164 |
| Average equity | $12,082,600 | 4,238 |
| Average total loans | $48,724,600 | 4,609 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 4,344 |
| Cost of funding earning assets | 0.3091% | 3,994 |
| Net interest margin | 3.3616% | 3,990 |
| Noninterest income to average assets | 0.3577% | 4,221 |
| Noninterest expense to average assets | 2.7068% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6903% | 3,904 |
| Return on assets (ROA) | 0.7855% | 3,572 |
| Pretax return on assets | 0.9023% | 3,970 |
| Return on Equity (ROE) | 6.9710% | 3,575 |
| Retained earnings to average equity (ytd only) | -1.7564% | 5,579 |
| Net charge-offs to loans | -0.0083% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3446% | 1,786 |
| Assets per employee ($millions) | 4.5738% | 2,966 |
| Cash dividends to net income (ytd only)* | 125.1954% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 1,374 |
| Loan loss allowance to noncurrent loans | 236.2360% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 3,478 |
| Noncurrent loans to loans | 0.6911% | 2,960 |
| Net loans and leases to total assets | 46.1620% | 5,087 |
| Net loans and leases to deposits | 52.3617% | 5,188 |
| Net loans and leases to core deposits | 53.0891% | 5,262 |
| Total domestic deposits to total assets | 88.1600% | 1,315 |
| Equity capital to assets | 11.3298% | 2,674 |
| Core capital (leverage) ratio | 10.6051% | 2,869 |
| Tier 1 risk-based capital ratio | 19.8363% | 1,477 |
| Total risk-based capital ratio | 21.0882% | 1,440 |
| Memoranda: | ||
| Average total assets | $108,466,000 | 4,223 |
| Average earning assets | $101,376,250 | 4,207 |
| Average equity | $12,221,750 | 4,254 |
| Average total loans | $48,182,750 | 4,667 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 4,313 |
| Cost of funding earning assets | 0.3033% | 4,087 |
| Net interest margin | 3.3917% | 3,925 |
| Noninterest income to average assets | 0.3610% | 4,180 |
| Noninterest expense to average assets | 2.7677% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6555% | 4,018 |
| Return on assets (ROA) | 0.7017% | 3,934 |
| Pretax return on assets | 0.8146% | 4,229 |
| Return on Equity (ROE) | 6.2387% | 3,942 |
| Retained earnings to average equity (ytd only) | -6.9300% | 5,816 |
| Net charge-offs to loans | -0.0255% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4365% | 1,725 |
| Assets per employee ($millions) | 4.9686% | 2,335 |
| Cash dividends to net income (ytd only)* | 211.0818% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 1,201 |
| Loan loss allowance to noncurrent loans | 1,241.1765% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 4,437 |
| Noncurrent loans to loans | 0.1398% | 4,875 |
| Net loans and leases to total assets | 43.7417% | 5,249 |
| Net loans and leases to deposits | 49.6851% | 5,349 |
| Net loans and leases to core deposits | 50.2190% | 5,421 |
| Total domestic deposits to total assets | 88.0377% | 1,419 |
| Equity capital to assets | 11.3292% | 2,714 |
| Core capital (leverage) ratio | 10.8707% | 2,564 |
| Tier 1 risk-based capital ratio | 19.8350% | 1,491 |
| Total risk-based capital ratio | 21.0875% | 1,458 |
| Memoranda: | ||
| Average total assets | $108,030,670 | 4,265 |
| Average earning assets | $100,893,670 | 4,249 |
| Average equity | $12,150,000 | 4,295 |
| Average total loans | $47,072,330 | 4,734 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 4,217 |
| Cost of funding earning assets | 0.3027% | 4,133 |
| Net interest margin | 3.4257% | 3,786 |
| Noninterest income to average assets | 0.3799% | 3,988 |
| Noninterest expense to average assets | 2.4509% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8898% | 2,805 |
| Return on assets (ROA) | 0.9163% | 2,787 |
| Pretax return on assets | 1.1658% | 2,834 |
| Return on Equity (ROE) | 8.1775% | 2,814 |
| Retained earnings to average equity (ytd only) | -18.4160% | 5,952 |
| Net charge-offs to loans | -0.0432% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3992% | 3,397 |
| Assets per employee ($millions) | 4.7126% | 2,723 |
| Cash dividends to net income (ytd only)* | 325.2033% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 1,203 |
| Loan loss allowance to noncurrent loans | 236.7978% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 3,070 |
| Noncurrent loans to loans | 0.7495% | 2,961 |
| Net loans and leases to total assets | 45.0023% | 5,188 |
| Net loans and leases to deposits | 51.0498% | 5,278 |
| Net loans and leases to core deposits | 51.6391% | 5,364 |
| Total domestic deposits to total assets | 88.1536% | 1,557 |
| Equity capital to assets | 11.4114% | 2,522 |
| Core capital (leverage) ratio | 10.6780% | 2,761 |
| Tier 1 risk-based capital ratio | 19.9710% | 1,501 |
| Total risk-based capital ratio | 21.2239% | 1,475 |
| Memoranda: | ||
| Average total assets | $107,391,000 | 4,317 |
| Average earning assets | $100,416,500 | 4,289 |
| Average equity | $12,033,000 | 4,329 |
| Average total loans | $46,279,500 | 4,799 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,300 |
| Cost of funding earning assets | 0.3124% | 4,107 |
| Net interest margin | 3.4106% | 3,869 |
| Noninterest income to average assets | 0.4566% | 3,616 |
| Noninterest expense to average assets | 2.6263% | 3,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7862% | 3,394 |
| Return on assets (ROA) | 0.8527% | 3,171 |
| Pretax return on assets | 1.0993% | 3,067 |
| Return on Equity (ROE) | 7.3589% | 3,329 |
| Retained earnings to average equity (ytd only) | -0.2980% | 5,552 |
| Net charge-offs to loans | 0.0024% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,057.0000% | 51 |
| Efficiency ratio | 72.1476% | 2,885 |
| Assets per employee ($millions) | 5.0502% | 2,304 |
| Cash dividends to net income (ytd only)* | 104.0495% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 1,034 |
| Loan loss allowance to noncurrent loans | 1,214.4928% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 4,143 |
| Noncurrent loans to loans | 0.1531% | 4,882 |
| Net loans and leases to total assets | 39.8011% | 5,527 |
| Net loans and leases to deposits | 44.8575% | 5,623 |
| Net loans and leases to core deposits | 45.4518% | 5,670 |
| Total domestic deposits to total assets | 88.7278% | 1,268 |
| Equity capital to assets | 11.0121% | 2,811 |
| Core capital (leverage) ratio | 10.8965% | 2,495 |
| Tier 1 risk-based capital ratio | 21.3108% | 1,249 |
| Total risk-based capital ratio | 22.5644% | 1,231 |
| Memoranda: | ||
| Average total assets | $104,251,600 | 4,376 |
| Average earning assets | $97,313,600 | 4,355 |
| Average equity | $12,080,600 | 4,292 |
| Average total loans | $41,254,600 | 4,958 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 4,179 |
| Cost of funding earning assets | 0.3161% | 4,150 |
| Net interest margin | 3.4561% | 3,732 |
| Noninterest income to average assets | 0.5071% | 3,316 |
| Noninterest expense to average assets | 2.5928% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8739% | 3,073 |
| Return on assets (ROA) | 0.9648% | 2,732 |
| Pretax return on assets | 1.2613% | 2,548 |
| Return on Equity (ROE) | 8.2155% | 2,959 |
| Retained earnings to average equity (ytd only) | -2.0262% | 5,859 |
| Net charge-offs to loans | -0.0033% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4290% | 3,306 |
| Assets per employee ($millions) | 4.6427% | 2,778 |
| Cash dividends to net income (ytd only)* | 124.6626% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 1,032 |
| Loan loss allowance to noncurrent loans | 1,166.6667% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 4,191 |
| Noncurrent loans to loans | 0.1644% | 4,994 |
| Net loans and leases to total assets | 42.0491% | 5,488 |
| Net loans and leases to deposits | 47.9390% | 5,573 |
| Net loans and leases to core deposits | 48.6377% | 5,627 |
| Total domestic deposits to total assets | 87.7139% | 1,699 |
| Equity capital to assets | 11.8759% | 2,191 |
| Core capital (leverage) ratio | 11.3221% | 2,172 |
| Tier 1 risk-based capital ratio | 21.4717% | 1,270 |
| Total risk-based capital ratio | 22.7248% | 1,248 |
| Memoranda: | ||
| Average total assets | $102,538,250 | 4,460 |
| Average earning assets | $95,751,000 | 4,442 |
| Average equity | $12,042,000 | 4,347 |
| Average total loans | $40,303,500 | 5,048 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 4,395 |
| Cost of funding earning assets | 0.3146% | 4,225 |
| Net interest margin | 3.3895% | 3,938 |
| Noninterest income to average assets | 0.5318% | 3,157 |
| Noninterest expense to average assets | 2.6356% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8121% | 3,322 |
| Return on assets (ROA) | 0.9350% | 2,829 |
| Pretax return on assets | 1.2272% | 2,661 |
| Return on Equity (ROE) | 7.9916% | 3,058 |
| Retained earnings to average equity (ytd only) | -7.4088% | 6,107 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2105% | 3,128 |
| Assets per employee ($millions) | 4.6249% | 2,786 |
| Cash dividends to net income (ytd only)* | 192.7083% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 937 |
| Loan loss allowance to noncurrent loans | 1,118.6667% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 4,269 |
| Noncurrent loans to loans | 0.1817% | 5,051 |
| Net loans and leases to total assets | 39.7541% | 5,646 |
| Net loans and leases to deposits | 45.0169% | 5,724 |
| Net loans and leases to core deposits | 45.6690% | 5,782 |
| Total domestic deposits to total assets | 88.3094% | 1,493 |
| Equity capital to assets | 11.4430% | 2,464 |
| Core capital (leverage) ratio | 11.1464% | 2,292 |
| Tier 1 risk-based capital ratio | 21.6292% | 1,263 |
| Total risk-based capital ratio | 22.8844% | 1,244 |
| Memoranda: | ||
| Average total assets | $102,671,000 | 4,502 |
| Average earning assets | $96,002,330 | 4,467 |
| Average equity | $12,012,670 | 4,381 |
| Average total loans | $39,141,670 | 5,141 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 4,509 |
| Cost of funding earning assets | 0.3177% | 4,249 |
| Net interest margin | 3.3400% | 4,059 |
| Noninterest income to average assets | 0.5857% | 2,731 |
| Noninterest expense to average assets | 2.4241% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9434% | 2,542 |
| Return on assets (ROA) | 0.9929% | 2,429 |
| Pretax return on assets | 1.3264% | 2,170 |
| Return on Equity (ROE) | 8.3952% | 2,756 |
| Retained earnings to average equity (ytd only) | -21.9389% | 6,289 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7895% | 4,193 |
| Assets per employee ($millions) | 4.4370% | 3,154 |
| Cash dividends to net income (ytd only)* | 361.3281% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1850% | 824 |
| Loan loss allowance to noncurrent loans | 443.9153% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 3,665 |
| Noncurrent loans to loans | 0.4922% | 4,100 |
| Net loans and leases to total assets | 36.8038% | 5,786 |
| Net loans and leases to deposits | 41.9832% | 5,832 |
| Net loans and leases to core deposits | 42.5931% | 5,881 |
| Total domestic deposits to total assets | 87.6632% | 2,003 |
| Equity capital to assets | 11.7176% | 2,275 |
| Core capital (leverage) ratio | 10.8908% | 2,528 |
| Tier 1 risk-based capital ratio | 22.3667% | 1,187 |
| Total risk-based capital ratio | 23.6222% | 1,170 |
| Memoranda: | ||
| Average total assets | $103,132,500 | 4,525 |
| Average earning assets | $95,689,000 | 4,513 |
| Average equity | $12,197,500 | 4,377 |
| Average total loans | $38,068,500 | 5,210 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 4,669 |
| Cost of funding earning assets | 0.3327% | 4,462 |
| Net interest margin | 3.4094% | 4,161 |
| Noninterest income to average assets | 0.3650% | 4,479 |
| Noninterest expense to average assets | 2.6521% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7047% | 3,870 |
| Return on assets (ROA) | 0.9199% | 2,872 |
| Pretax return on assets | 1.1783% | 2,740 |
| Return on Equity (ROE) | 7.8264% | 3,221 |
| Retained earnings to average equity (ytd only) | 1.9982% | 4,791 |
| Net charge-offs to loans | -0.0085% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6145% | 2,729 |
| Assets per employee ($millions) | 4.5310% | 2,990 |
| Cash dividends to net income (ytd only)* | 74.4681% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2232% | 798 |
| Loan loss allowance to noncurrent loans | 436.9792% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 3,340 |
| Noncurrent loans to loans | 0.5088% | 4,141 |
| Net loans and leases to total assets | 35.4083% | 5,978 |
| Net loans and leases to deposits | 40.4410% | 6,022 |
| Net loans and leases to core deposits | 41.0383% | 6,073 |
| Total domestic deposits to total assets | 87.5553% | 2,001 |
| Equity capital to assets | 11.9342% | 2,058 |
| Core capital (leverage) ratio | 11.5091% | 1,965 |
| Tier 1 risk-based capital ratio | 24.3180% | 914 |
| Total risk-based capital ratio | 25.5742% | 893 |
| Memoranda: | ||
| Average total assets | $102,182,800 | 4,539 |
| Average earning assets | $95,587,600 | 4,518 |
| Average equity | $12,010,600 | 4,359 |
| Average total loans | $35,107,400 | 5,359 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 4,783 |
| Cost of funding earning assets | 0.3354% | 4,516 |
| Net interest margin | 3.3918% | 4,273 |
| Noninterest income to average assets | 0.3016% | 5,036 |
| Noninterest expense to average assets | 2.4994% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7473% | 3,682 |
| Return on assets (ROA) | 1.0084% | 2,483 |
| Pretax return on assets | 1.3284% | 2,277 |
| Return on Equity (ROE) | 8.6132% | 2,895 |
| Retained earnings to average equity (ytd only) | 0.7728% | 5,567 |
| Net charge-offs to loans | -0.0271% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7350% | 3,229 |
| Assets per employee ($millions) | 4.3655% | 3,188 |
| Cash dividends to net income (ytd only)* | 91.0271% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3421% | 791 |
| Loan loss allowance to noncurrent loans | 434.5361% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 3,337 |
| Noncurrent loans to loans | 0.5390% | 4,320 |
| Net loans and leases to total assets | 35.0085% | 6,071 |
| Net loans and leases to deposits | 40.0773% | 6,114 |
| Net loans and leases to core deposits | 40.6925% | 6,162 |
| Total domestic deposits to total assets | 87.3525% | 2,120 |
| Equity capital to assets | 12.1197% | 1,964 |
| Core capital (leverage) ratio | 11.3351% | 2,190 |
| Tier 1 risk-based capital ratio | 24.9213% | 889 |
| Total risk-based capital ratio | 26.1781% | 875 |
| Memoranda: | ||
| Average total assets | $101,675,250 | 4,610 |
| Average earning assets | $95,403,000 | 4,564 |
| Average equity | $11,904,000 | 4,403 |
| Average total loans | $34,449,500 | 5,431 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6894% | 4,892 |
| Cost of funding earning assets | 0.3329% | 4,611 |
| Net interest margin | 3.3565% | 4,371 |
| Noninterest income to average assets | 0.3154% | 4,889 |
| Noninterest expense to average assets | 2.4839% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7692% | 3,466 |
| Return on assets (ROA) | 0.9951% | 2,407 |
| Pretax return on assets | 1.2576% | 2,422 |
| Return on Equity (ROE) | 8.5988% | 2,788 |
| Retained earnings to average equity (ytd only) | -3.2499% | 6,111 |
| Net charge-offs to loans | -0.0413% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8821% | 3,365 |
| Assets per employee ($millions) | 4.6910% | 2,626 |
| Cash dividends to net income (ytd only)* | 137.7953% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4142% | 802 |
| Loan loss allowance to noncurrent loans | 980.2326% | 528 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 2,927 |
| Noncurrent loans to loans | 0.2463% | 5,263 |
| Net loans and leases to total assets | 33.0175% | 6,199 |
| Net loans and leases to deposits | 37.5838% | 6,242 |
| Net loans and leases to core deposits | 38.2332% | 6,266 |
| Total domestic deposits to total assets | 87.8502% | 2,000 |
| Equity capital to assets | 11.6353% | 2,290 |
| Core capital (leverage) ratio | 11.4289% | 2,067 |
| Tier 1 risk-based capital ratio | 23.9910% | 988 |
| Total risk-based capital ratio | 25.2479% | 967 |
| Memoranda: | ||
| Average total assets | $102,098,000 | 4,633 |
| Average earning assets | $95,516,330 | 4,594 |
| Average equity | $11,815,670 | 4,435 |
| Average total loans | $33,934,670 | 5,494 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 4,860 |
| Cost of funding earning assets | 0.3365% | 4,680 |
| Net interest margin | 3.3607% | 4,289 |
| Noninterest income to average assets | 0.3151% | 4,846 |
| Noninterest expense to average assets | 2.3792% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8154% | 3,078 |
| Return on assets (ROA) | 1.0754% | 1,979 |
| Pretax return on assets | 1.4299% | 1,643 |
| Return on Equity (ROE) | 9.3178% | 2,325 |
| Retained earnings to average equity (ytd only) | -14.5740% | 6,457 |
| Net charge-offs to loans | -0.0598% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7144% | 4,061 |
| Assets per employee ($millions) | 4.4695% | 3,022 |
| Cash dividends to net income (ytd only)* | 256.4103% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5199% | 799 |
| Loan loss allowance to noncurrent loans | 955.6818% | 535 |
| Noncurrent assets plus other real estate owned to assets | 1.1268% | 3,000 |
| Noncurrent loans to loans | 0.2637% | 5,310 |
| Net loans and leases to total assets | 33.0872% | 6,221 |
| Net loans and leases to deposits | 37.6952% | 6,264 |
| Net loans and leases to core deposits | 38.2573% | 6,307 |
| Total domestic deposits to total assets | 87.7756% | 2,362 |
| Equity capital to assets | 11.7820% | 2,027 |
| Core capital (leverage) ratio | 11.0871% | 2,315 |
| Tier 1 risk-based capital ratio | 24.2515% | 966 |
| Total risk-based capital ratio | 25.5096% | 950 |
| Memoranda: | ||
| Average total assets | $101,545,500 | 4,696 |
| Average earning assets | $95,099,500 | 4,654 |
| Average equity | $11,719,500 | 4,470 |
| Average total loans | $33,443,000 | 5,570 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 5,106 |
| Cost of funding earning assets | 0.3770% | 4,870 |
| Net interest margin | 3.3314% | 4,544 |
| Noninterest income to average assets | 0.2793% | 5,361 |
| Noninterest expense to average assets | 2.4925% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6976% | 3,804 |
| Return on assets (ROA) | 0.7486% | 3,652 |
| Pretax return on assets | 0.9012% | 3,761 |
| Return on Equity (ROE) | 6.5148% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.5148% | 1,677 |
| Net charge-offs to loans | -0.0718% | 6,412 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7984% | 2,992 |
| Assets per employee ($millions) | 4.7620% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4947% | 830 |
| Loan loss allowance to noncurrent loans | 928.8889% | 542 |
| Noncurrent assets plus other real estate owned to assets | 1.0595% | 3,297 |
| Noncurrent loans to loans | 0.2686% | 5,377 |
| Net loans and leases to total assets | 31.1894% | 6,422 |
| Net loans and leases to deposits | 35.2614% | 6,453 |
| Net loans and leases to core deposits | 35.5650% | 6,484 |
| Total domestic deposits to total assets | 88.4520% | 1,926 |
| Equity capital to assets | 11.3151% | 2,324 |
| Core capital (leverage) ratio | 11.1071% | 2,286 |
| Tier 1 risk-based capital ratio | 24.7119% | 884 |
| Total risk-based capital ratio | 25.9677% | 870 |
| Memoranda: | ||
| Average total assets | $104,194,600 | 4,640 |
| Average earning assets | $95,484,000 | 4,635 |
| Average equity | $11,972,800 | 4,445 |
| Average total loans | $36,225,600 | 5,489 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,972 |
| Cost of funding earning assets | 0.3840% | 4,959 |
| Net interest margin | 3.3829% | 4,349 |
| Noninterest income to average assets | 0.2909% | 5,368 |
| Noninterest expense to average assets | 2.4602% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7276% | 3,712 |
| Return on assets (ROA) | 0.7932% | 3,516 |
| Pretax return on assets | 0.9943% | 3,524 |
| Return on Equity (ROE) | 6.8762% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.8762% | 1,936 |
| Net charge-offs to loans | -0.0361% | 6,210 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9483% | 3,227 |
| Assets per employee ($millions) | 5.4522% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2879% | 1,199 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.8891% | 2,150 |
| Noncurrent loans to loans | 2.5167% | 1,717 |
| Net loans and leases to total assets | 33.8057% | 6,367 |
| Net loans and leases to deposits | 38.3554% | 6,433 |
| Net loans and leases to core deposits | 38.6906% | 6,485 |
| Total domestic deposits to total assets | 88.1381% | 2,034 |
| Equity capital to assets | 11.4739% | 2,322 |
| Core capital (leverage) ratio | 11.1159% | 2,369 |
| Tier 1 risk-based capital ratio | 23.6654% | 1,048 |
| Total risk-based capital ratio | 24.9206% | 1,029 |
| Memoranda: | ||
| Average total assets | $104,052,500 | 4,691 |
| Average earning assets | $94,788,750 | 4,697 |
| Average equity | $12,002,500 | 4,492 |
| Average total loans | $36,904,250 | 5,516 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 4,754 |
| Cost of funding earning assets | 0.3917% | 5,016 |
| Net interest margin | 3.4305% | 4,072 |
| Noninterest income to average assets | 0.2994% | 5,309 |
| Noninterest expense to average assets | 2.5411% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7105% | 3,754 |
| Return on assets (ROA) | 0.7735% | 3,592 |
| Pretax return on assets | 0.9443% | 3,735 |
| Return on Equity (ROE) | 6.6936% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.6936% | 2,041 |
| Net charge-offs to loans | -0.0483% | 6,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5495% | 3,021 |
| Assets per employee ($millions) | 4.9190% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2370% | 1,356 |
| Loan loss allowance to noncurrent loans | 108.3333% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 2,486 |
| Noncurrent loans to loans | 2.0650% | 2,318 |
| Net loans and leases to total assets | 34.6493% | 6,379 |
| Net loans and leases to deposits | 39.2693% | 6,441 |
| Net loans and leases to core deposits | 39.8065% | 6,483 |
| Total domestic deposits to total assets | 88.2350% | 2,087 |
| Equity capital to assets | 11.3448% | 2,427 |
| Core capital (leverage) ratio | 11.0358% | 2,321 |
| Tier 1 risk-based capital ratio | 22.9791% | 1,139 |
| Total risk-based capital ratio | 24.2340% | 1,125 |
| Memoranda: | ||
| Average total assets | $104,206,000 | 4,722 |
| Average earning assets | $94,448,000 | 4,745 |
| Average equity | $12,041,330 | 4,522 |
| Average total loans | $37,259,000 | 5,529 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 4,492 |
| Cost of funding earning assets | 0.3997% | 5,102 |
| Net interest margin | 3.4949% | 3,720 |
| Noninterest income to average assets | 0.4548% | 4,090 |
| Noninterest expense to average assets | 2.4307% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9053% | 2,626 |
| Return on assets (ROA) | 0.9440% | 2,600 |
| Pretax return on assets | 1.2154% | 2,516 |
| Return on Equity (ROE) | 8.0967% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.0967% | 1,719 |
| Net charge-offs to loans | -0.0745% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5877% | 4,393 |
| Assets per employee ($millions) | 4.7076% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1857% | 1,612 |
| Loan loss allowance to noncurrent loans | 95.3326% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 2.1928% | 2,128 |
| Noncurrent loans to loans | 2.2927% | 2,282 |
| Net loans and leases to total assets | 35.3037% | 6,347 |
| Net loans and leases to deposits | 40.4700% | 6,398 |
| Net loans and leases to core deposits | 41.0387% | 6,437 |
| Total domestic deposits to total assets | 87.2344% | 2,807 |
| Equity capital to assets | 11.8677% | 2,131 |
| Core capital (leverage) ratio | 10.7769% | 2,475 |
| Tier 1 risk-based capital ratio | 21.9773% | 1,335 |
| Total risk-based capital ratio | 23.2327% | 1,309 |
| Memoranda: | ||
| Average total assets | $104,660,000 | 4,758 |
| Average earning assets | $94,080,500 | 4,799 |
| Average equity | $12,202,500 | 4,537 |
| Average total loans | $37,583,000 | 5,564 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 4,528 |
| Cost of funding earning assets | 0.5256% | 5,025 |
| Net interest margin | 3.6897% | 3,690 |
| Noninterest income to average assets | 0.3004% | 5,309 |
| Noninterest expense to average assets | 2.7295% | 4,289 |
| Loan and lease loss provision to assets | -0.0719% | 6,892 |
| Net operating income to assets | 0.8742% | 2,934 |
| Return on assets (ROA) | 0.8203% | 3,436 |
| Pretax return on assets | 0.9900% | 3,580 |
| Return on Equity (ROE) | 6.6033% | 3,857 |
| Retained earnings to average equity (ytd only) | -4.6432% | 6,400 |
| Net charge-offs to loans | 0.0618% | 5,080 |
| Credit loss provision to net charge-offs | -300.0000% | 6,450 |
| Earnings coverage of net charge-offs (x) | 41.0417% | 782 |
| Efficiency ratio | 73.5215% | 3,151 |
| Assets per employee ($millions) | 4.8070% | 2,482 |
| Cash dividends to net income (ytd only)* | 170.3163% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1437% | 1,659 |
| Loan loss allowance to noncurrent loans | 93.5335% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 2.3016% | 2,136 |
| Noncurrent loans to loans | 2.2919% | 2,359 |
| Net loans and leases to total assets | 34.9645% | 6,494 |
| Net loans and leases to deposits | 39.8874% | 6,558 |
| Net loans and leases to core deposits | 40.4321% | 6,597 |
| Total domestic deposits to total assets | 87.6580% | 2,442 |
| Equity capital to assets | 11.4550% | 2,491 |
| Core capital (leverage) ratio | 10.4911% | 2,778 |
| Tier 1 risk-based capital ratio | 21.4291% | 1,375 |
| Total risk-based capital ratio | 22.6834% | 1,348 |
| Memoranda: | ||
| Average total assets | $100,201,600 | 4,828 |
| Average earning assets | $92,663,400 | 4,791 |
| Average equity | $12,448,400 | 4,470 |
| Average total loans | $38,810,000 | 5,560 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 4,597 |
| Cost of funding earning assets | 0.5548% | 5,049 |
| Net interest margin | 3.7076% | 3,766 |
| Noninterest income to average assets | 0.3130% | 5,278 |
| Noninterest expense to average assets | 2.6595% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9091% | 2,937 |
| Return on assets (ROA) | 0.8959% | 3,231 |
| Pretax return on assets | 1.0997% | 3,352 |
| Return on Equity (ROE) | 7.0644% | 3,771 |
| Retained earnings to average equity (ytd only) | 0.6809% | 5,878 |
| Net charge-offs to loans | 0.0990% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 28.5141% | 1,142 |
| Efficiency ratio | 70.4432% | 3,604 |
| Assets per employee ($millions) | 4.4985% | 2,914 |
| Cash dividends to net income (ytd only)* | 90.3616% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2355% | 1,640 |
| Loan loss allowance to noncurrent loans | 64.0614% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.9676% | 1,761 |
| Noncurrent loans to loans | 3.4896% | 1,552 |
| Net loans and leases to total assets | 38.7539% | 6,373 |
| Net loans and leases to deposits | 45.0286% | 6,458 |
| Net loans and leases to core deposits | 45.6960% | 6,526 |
| Total domestic deposits to total assets | 86.0652% | 3,216 |
| Equity capital to assets | 12.9648% | 1,605 |
| Core capital (leverage) ratio | 11.6568% | 1,866 |
| Tier 1 risk-based capital ratio | 22.4698% | 1,254 |
| Total risk-based capital ratio | 23.7265% | 1,229 |
| Memoranda: | ||
| Average total assets | $98,813,750 | 4,910 |
| Average earning assets | $92,277,750 | 4,841 |
| Average equity | $12,532,000 | 4,497 |
| Average total loans | $39,066,000 | 5,616 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 4,539 |
| Cost of funding earning assets | 0.5854% | 5,022 |
| Net interest margin | 3.7227% | 3,714 |
| Noninterest income to average assets | 0.3200% | 5,264 |
| Noninterest expense to average assets | 2.7764% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8465% | 3,160 |
| Return on assets (ROA) | 0.8566% | 3,374 |
| Pretax return on assets | 1.0328% | 3,585 |
| Return on Equity (ROE) | 6.8048% | 3,879 |
| Retained earnings to average equity (ytd only) | -2.8474% | 6,449 |
| Net charge-offs to loans | -0.1897% | 6,987 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1200% | 3,221 |
| Assets per employee ($millions) | 4.5005% | 2,902 |
| Cash dividends to net income (ytd only)* | 141.8440% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3794% | 1,445 |
| Loan loss allowance to noncurrent loans | 94.6787% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 2.5775% | 2,160 |
| Noncurrent loans to loans | 2.5131% | 2,402 |
| Net loans and leases to total assets | 39.0755% | 6,398 |
| Net loans and leases to deposits | 45.2106% | 6,494 |
| Net loans and leases to core deposits | 46.0419% | 6,571 |
| Total domestic deposits to total assets | 86.4298% | 3,117 |
| Equity capital to assets | 12.6541% | 1,717 |
| Core capital (leverage) ratio | 11.4835% | 1,915 |
| Tier 1 risk-based capital ratio | 21.4758% | 1,393 |
| Total risk-based capital ratio | 22.7320% | 1,362 |
| Memoranda: | ||
| Average total assets | $98,762,330 | 4,928 |
| Average earning assets | $92,246,000 | 4,861 |
| Average equity | $12,432,330 | 4,520 |
| Average total loans | $39,011,000 | 5,647 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 4,723 |
| Cost of funding earning assets | 0.6153% | 5,006 |
| Net interest margin | 3.6877% | 3,885 |
| Noninterest income to average assets | 0.3244% | 5,274 |
| Noninterest expense to average assets | 2.6724% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9448% | 2,719 |
| Return on assets (ROA) | 0.9692% | 2,798 |
| Pretax return on assets | 1.1314% | 3,192 |
| Return on Equity (ROE) | 7.7196% | 3,403 |
| Retained earnings to average equity (ytd only) | -11.6602% | 6,888 |
| Net charge-offs to loans | -0.0724% | 6,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7841% | 3,660 |
| Assets per employee ($millions) | 4.4243% | 3,143 |
| Cash dividends to net income (ytd only)* | 251.0460% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3688% | 1,557 |
| Loan loss allowance to noncurrent loans | 51.6695% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.8181% | 2,082 |
| Noncurrent loans to loans | 4.5846% | 1,251 |
| Net loans and leases to total assets | 38.6597% | 6,447 |
| Net loans and leases to deposits | 44.6730% | 6,521 |
| Net loans and leases to core deposits | 45.5045% | 6,598 |
| Total domestic deposits to total assets | 86.5391% | 3,221 |
| Equity capital to assets | 12.5824% | 1,669 |
| Core capital (leverage) ratio | 11.3522% | 2,000 |
| Tier 1 risk-based capital ratio | 21.6658% | 1,342 |
| Total risk-based capital ratio | 22.9227% | 1,316 |
| Memoranda: | ||
| Average total assets | $98,638,000 | 4,964 |
| Average earning assets | $92,306,500 | 4,897 |
| Average equity | $12,384,000 | 4,532 |
| Average total loans | $38,700,500 | 5,699 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 5,124 |
| Cost of funding earning assets | 0.7561% | 5,165 |
| Net interest margin | 3.7324% | 4,146 |
| Noninterest income to average assets | 0.3159% | 5,281 |
| Noninterest expense to average assets | 2.8764% | 4,054 |
| Loan and lease loss provision to assets | 0.1616% | 4,612 |
| Net operating income to assets | 0.6744% | 3,608 |
| Return on assets (ROA) | 0.6735% | 3,808 |
| Pretax return on assets | 0.7454% | 4,172 |
| Return on Equity (ROE) | 5.3955% | 4,202 |
| Retained earnings to average equity (ytd only) | 0.3842% | 5,659 |
| Net charge-offs to loans | 0.8346% | 2,078 |
| Credit loss provision to net charge-offs | 48.2866% | 5,463 |
| Earnings coverage of net charge-offs (x) | 2.7134% | 3,858 |
| Efficiency ratio | 76.0055% | 2,889 |
| Assets per employee ($millions) | 4.5428% | 2,838 |
| Cash dividends to net income (ytd only)* | 92.8793% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3315% | 1,574 |
| Loan loss allowance to noncurrent loans | 50.5580% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.7696% | 2,193 |
| Noncurrent loans to loans | 4.6115% | 1,284 |
| Net loans and leases to total assets | 37.9750% | 6,648 |
| Net loans and leases to deposits | 43.7574% | 6,730 |
| Net loans and leases to core deposits | 44.5421% | 6,792 |
| Total domestic deposits to total assets | 86.7853% | 2,885 |
| Equity capital to assets | 12.5283% | 1,785 |
| Core capital (leverage) ratio | 11.3358% | 2,014 |
| Tier 1 risk-based capital ratio | 22.2332% | 1,202 |
| Total risk-based capital ratio | 23.4896% | 1,177 |
| Memoranda: | ||
| Average total assets | $95,917,400 | 5,016 |
| Average earning assets | $89,138,200 | 4,956 |
| Average equity | $11,973,000 | 4,560 |
| Average total loans | $38,462,600 | 5,755 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 5,000 |
| Cost of funding earning assets | 0.7893% | 5,218 |
| Net interest margin | 3.7812% | 3,961 |
| Noninterest income to average assets | 0.3470% | 5,086 |
| Noninterest expense to average assets | 2.9093% | 3,890 |
| Loan and lease loss provision to assets | 0.1882% | 4,150 |
| Net operating income to assets | 0.6770% | 3,736 |
| Return on assets (ROA) | 0.6757% | 3,916 |
| Pretax return on assets | 0.7474% | 4,320 |
| Return on Equity (ROE) | 5.4184% | 4,328 |
| Retained earnings to average equity (ytd only) | -1.3405% | 6,210 |
| Net charge-offs to loans | 0.3788% | 3,215 |
| Credit loss provision to net charge-offs | 122.9358% | 2,627 |
| Earnings coverage of net charge-offs (x) | 6.1192% | 2,615 |
| Efficiency ratio | 75.6392% | 2,894 |
| Assets per employee ($millions) | 4.4980% | 2,921 |
| Cash dividends to net income (ytd only)* | 124.7396% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8540% | 977 |
| Loan loss allowance to noncurrent loans | 53.5906% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.0589% | 2,096 |
| Noncurrent loans to loans | 5.3256% | 1,134 |
| Net loans and leases to total assets | 37.7339% | 6,786 |
| Net loans and leases to deposits | 43.4914% | 6,859 |
| Net loans and leases to core deposits | 44.2753% | 6,913 |
| Total domestic deposits to total assets | 86.7618% | 2,789 |
| Equity capital to assets | 12.5136% | 1,910 |
| Core capital (leverage) ratio | 11.6917% | 1,890 |
| Tier 1 risk-based capital ratio | 22.0721% | 1,274 |
| Total risk-based capital ratio | 23.3339% | 1,247 |
| Memoranda: | ||
| Average total assets | $94,911,250 | 5,080 |
| Average earning assets | $87,836,000 | 5,036 |
| Average equity | $11,836,000 | 4,610 |
| Average total loans | $38,363,500 | 5,820 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 5,047 |
| Cost of funding earning assets | 0.8094% | 5,307 |
| Net interest margin | 3.7718% | 3,928 |
| Noninterest income to average assets | 0.3506% | 5,085 |
| Noninterest expense to average assets | 2.9627% | 3,783 |
| Loan and lease loss provision to assets | 0.2437% | 3,469 |
| Net operating income to assets | 0.6048% | 4,045 |
| Return on assets (ROA) | 0.6028% | 4,190 |
| Pretax return on assets | 0.6584% | 4,541 |
| Return on Equity (ROE) | 4.8397% | 4,526 |
| Retained earnings to average equity (ytd only) | -5.4575% | 6,602 |
| Net charge-offs to loans | 0.5843% | 2,360 |
| Credit loss provision to net charge-offs | 101.7857% | 3,044 |
| Earnings coverage of net charge-offs (x) | 3.7768% | 3,056 |
| Efficiency ratio | 76.6169% | 2,918 |
| Assets per employee ($millions) | 4.1297% | 3,489 |
| Cash dividends to net income (ytd only)* | 212.7660% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7202% | 1,161 |
| Loan loss allowance to noncurrent loans | 51.8590% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 3.2479% | 2,063 |
| Noncurrent loans to loans | 5.2453% | 1,227 |
| Net loans and leases to total assets | 40.4378% | 6,713 |
| Net loans and leases to deposits | 46.5287% | 6,802 |
| Net loans and leases to core deposits | 47.3969% | 6,882 |
| Total domestic deposits to total assets | 86.9092% | 2,794 |
| Equity capital to assets | 12.5296% | 1,765 |
| Core capital (leverage) ratio | 11.9678% | 1,615 |
| Tier 1 risk-based capital ratio | 21.6444% | 1,302 |
| Total risk-based capital ratio | 22.9044% | 1,278 |
| Memoranda: | ||
| Average total assets | $93,563,000 | 5,147 |
| Average earning assets | $87,226,670 | 5,092 |
| Average equity | $11,653,670 | 4,654 |
| Average total loans | $38,339,000 | 5,874 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 5,591 |
| Cost of funding earning assets | 0.8441% | 5,307 |
| Net interest margin | 3.5840% | 4,645 |
| Noninterest income to average assets | 0.3662% | 4,981 |
| Noninterest expense to average assets | 2.8044% | 4,418 |
| Loan and lease loss provision to assets | 0.0905% | 4,882 |
| Net operating income to assets | 0.7405% | 3,322 |
| Return on assets (ROA) | 0.7366% | 3,406 |
| Pretax return on assets | 0.8142% | 3,852 |
| Return on Equity (ROE) | 5.9324% | 3,944 |
| Retained earnings to average equity (ytd only) | -14.8829% | 7,039 |
| Net charge-offs to loans | 0.2118% | 3,247 |
| Credit loss provision to net charge-offs | 105.0000% | 2,538 |
| Earnings coverage of net charge-offs (x) | 10.5500% | 1,628 |
| Efficiency ratio | 75.5220% | 3,239 |
| Assets per employee ($millions) | 3.9600% | 3,916 |
| Cash dividends to net income (ytd only)* | 350.8772% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7818% | 1,132 |
| Loan loss allowance to noncurrent loans | 32.6140% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 3.8582% | 1,734 |
| Noncurrent loans to loans | 8.5295% | 545 |
| Net loans and leases to total assets | 41.1719% | 6,696 |
| Net loans and leases to deposits | 47.2798% | 6,779 |
| Net loans and leases to core deposits | 48.1937% | 6,868 |
| Total domestic deposits to total assets | 87.0815% | 2,903 |
| Equity capital to assets | 12.5473% | 1,601 |
| Core capital (leverage) ratio | 11.8573% | 1,645 |
| Tier 1 risk-based capital ratio | 22.2694% | 1,180 |
| Total risk-based capital ratio | 23.5317% | 1,153 |
| Memoranda: | ||
| Average total assets | $92,853,000 | 5,211 |
| Average earning assets | $86,719,500 | 5,132 |
| Average equity | $11,530,000 | 4,660 |
| Average total loans | $37,767,000 | 5,952 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 5,345 |
| Cost of funding earning assets | 1.0969% | 5,151 |
| Net interest margin | 3.7238% | 4,253 |
| Noninterest income to average assets | 0.4386% | 4,602 |
| Noninterest expense to average assets | 2.9428% | 4,061 |
| Loan and lease loss provision to assets | 0.0886% | 6,264 |
| Net operating income to assets | 0.7554% | 2,977 |
| Return on assets (ROA) | 0.7554% | 3,099 |
| Pretax return on assets | 0.8440% | 3,487 |
| Return on Equity (ROE) | 5.8159% | 3,692 |
| Retained earnings to average equity (ytd only) | 1.5521% | 4,757 |
| Net charge-offs to loans | 1.6639% | 1,302 |
| Credit loss provision to net charge-offs | 12.2324% | 6,599 |
| Earnings coverage of net charge-offs (x) | 1.2875% | 4,816 |
| Efficiency ratio | 75.9360% | 3,066 |
| Assets per employee ($millions) | 3.9428% | 3,903 |
| Cash dividends to net income (ytd only)* | 73.3138% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9003% | 957 |
| Loan loss allowance to noncurrent loans | 31.2082% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 3.7970% | 1,801 |
| Noncurrent loans to loans | 9.2933% | 483 |
| Net loans and leases to total assets | 37.9279% | 7,074 |
| Net loans and leases to deposits | 43.3580% | 7,143 |
| Net loans and leases to core deposits | 44.1522% | 7,198 |
| Total domestic deposits to total assets | 87.4761% | 2,565 |
| Equity capital to assets | 12.2925% | 1,752 |
| Core capital (leverage) ratio | 11.9508% | 1,583 |
| Tier 1 risk-based capital ratio | 22.9038% | 1,051 |
| Total risk-based capital ratio | 24.1648% | 1,029 |
| Memoranda: | ||
| Average total assets | $90,288,000 | 5,280 |
| Average earning assets | $83,328,000 | 5,239 |
| Average equity | $11,726,400 | 4,686 |
| Average total loans | $39,305,200 | 5,950 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 4,891 |
| Cost of funding earning assets | 1.1268% | 5,271 |
| Net interest margin | 3.8588% | 3,717 |
| Noninterest income to average assets | 0.4633% | 4,466 |
| Noninterest expense to average assets | 2.9445% | 3,936 |
| Loan and lease loss provision to assets | 0.0299% | 6,770 |
| Net operating income to assets | 0.8878% | 2,658 |
| Return on assets (ROA) | 0.8878% | 2,801 |
| Pretax return on assets | 1.0463% | 3,009 |
| Return on Equity (ROE) | 6.7403% | 3,467 |
| Retained earnings to average equity (ytd only) | 1.0666% | 5,390 |
| Net charge-offs to loans | 2.1859% | 831 |
| Credit loss provision to net charge-offs | 3.0581% | 6,362 |
| Earnings coverage of net charge-offs (x) | 1.1009% | 4,955 |
| Efficiency ratio | 73.2342% | 3,477 |
| Assets per employee ($millions) | 4.0352% | 3,760 |
| Cash dividends to net income (ytd only)* | 84.1751% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6184% | 1,180 |
| Loan loss allowance to noncurrent loans | 43.0455% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 2.9361% | 2,469 |
| Noncurrent loans to loans | 6.0830% | 1,019 |
| Net loans and leases to total assets | 40.5532% | 7,044 |
| Net loans and leases to deposits | 46.9969% | 7,133 |
| Net loans and leases to core deposits | 47.8830% | 7,210 |
| Total domestic deposits to total assets | 86.2890% | 2,926 |
| Equity capital to assets | 13.0839% | 1,531 |
| Core capital (leverage) ratio | 12.3806% | 1,467 |
| Tier 1 risk-based capital ratio | 22.3145% | 1,162 |
| Total risk-based capital ratio | 23.5547% | 1,131 |
| Memoranda: | ||
| Average total assets | $89,203,250 | 5,382 |
| Average earning assets | $82,233,500 | 5,335 |
| Average equity | $11,750,000 | 4,754 |
| Average total loans | $39,891,000 | 6,009 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1657% | 4,112 |
| Cost of funding earning assets | 1.1625% | 5,332 |
| Net interest margin | 4.0031% | 3,003 |
| Noninterest income to average assets | 0.5250% | 3,919 |
| Noninterest expense to average assets | 2.9272% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0250% | 2,100 |
| Return on assets (ROA) | 1.0250% | 2,178 |
| Pretax return on assets | 1.2682% | 2,192 |
| Return on Equity (ROE) | 7.7631% | 2,983 |
| Retained earnings to average equity (ytd only) | -0.8434% | 5,936 |
| Net charge-offs to loans | 3.2204% | 476 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.8598% | 4,906 |
| Efficiency ratio | 69.7725% | 4,228 |
| Assets per employee ($millions) | 3.4937% | 4,946 |
| Cash dividends to net income (ytd only)* | 110.8647% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5111% | 1,285 |
| Loan loss allowance to noncurrent loans | 27.5110% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 4.5774% | 1,435 |
| Noncurrent loans to loans | 9.1278% | 519 |
| Net loans and leases to total assets | 44.3149% | 6,895 |
| Net loans and leases to deposits | 51.5002% | 7,002 |
| Net loans and leases to core deposits | 52.2214% | 7,125 |
| Total domestic deposits to total assets | 86.0481% | 3,050 |
| Equity capital to assets | 13.4813% | 1,354 |
| Core capital (leverage) ratio | 12.9417% | 1,229 |
| Tier 1 risk-based capital ratio | 22.1378% | 1,179 |
| Total risk-based capital ratio | 23.3741% | 1,160 |
| Memoranda: | ||
| Average total assets | $88,001,330 | 5,450 |
| Average earning assets | $80,686,670 | 5,411 |
| Average equity | $11,619,000 | 4,778 |
| Average total loans | $40,305,000 | 6,037 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 3,592 |
| Cost of funding earning assets | 1.2193% | 5,289 |
| Net interest margin | 4.0709% | 2,564 |
| Noninterest income to average assets | 0.4030% | 4,893 |
| Noninterest expense to average assets | 2.9571% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9691% | 2,301 |
| Return on assets (ROA) | 0.9691% | 2,364 |
| Pretax return on assets | 1.1502% | 2,550 |
| Return on Equity (ROE) | 7.4170% | 3,154 |
| Retained earnings to average equity (ytd only) | -9.9125% | 6,959 |
| Net charge-offs to loans | 0.7585% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.2987% | 2,949 |
| Efficiency ratio | 71.9956% | 3,934 |
| Assets per employee ($millions) | 3.5363% | 4,955 |
| Cash dividends to net income (ytd only)* | 233.6449% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8937% | 412 |
| Loan loss allowance to noncurrent loans | 67.7461% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 3.5595% | 1,970 |
| Noncurrent loans to loans | 5.7475% | 1,180 |
| Net loans and leases to total assets | 45.6299% | 6,859 |
| Net loans and leases to deposits | 52.9578% | 6,983 |
| Net loans and leases to core deposits | 53.7174% | 7,122 |
| Total domestic deposits to total assets | 86.1627% | 3,056 |
| Equity capital to assets | 13.4426% | 1,349 |
| Core capital (leverage) ratio | 12.3057% | 1,491 |
| Tier 1 risk-based capital ratio | 21.6008% | 1,253 |
| Total risk-based capital ratio | 22.8456% | 1,234 |
| Memoranda: | ||
| Average total assets | $88,330,500 | 5,502 |
| Average earning assets | $80,376,000 | 5,491 |
| Average equity | $11,541,000 | 4,837 |
| Average total loans | $40,606,000 | 6,097 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 3,521 |
| Cost of funding earning assets | 1.4608% | 5,678 |
| Net interest margin | 4.1553% | 2,230 |
| Noninterest income to average assets | 0.3762% | 5,407 |
| Noninterest expense to average assets | 3.0833% | 3,822 |
| Loan and lease loss provision to assets | 0.5280% | 3,730 |
| Net operating income to assets | 0.6207% | 3,254 |
| Return on assets (ROA) | 0.6534% | 3,180 |
| Pretax return on assets | 0.6820% | 3,637 |
| Return on Equity (ROE) | 5.2382% | 3,568 |
| Retained earnings to average equity (ytd only) | 1.4462% | 4,053 |
| Net charge-offs to loans | 0.1434% | 5,803 |
| Credit loss provision to net charge-offs | 800.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 17.8167% | 1,167 |
| Efficiency ratio | 72.3915% | 4,199 |
| Assets per employee ($millions) | 3.8245% | 4,219 |
| Cash dividends to net income (ytd only)* | 72.3906% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0229% | 358 |
| Loan loss allowance to noncurrent loans | 59.2299% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 3.5603% | 1,877 |
| Noncurrent loans to loans | 6.7920% | 856 |
| Net loans and leases to total assets | 42.7829% | 7,204 |
| Net loans and leases to deposits | 49.2303% | 7,302 |
| Net loans and leases to core deposits | 53.7496% | 7,476 |
| Total domestic deposits to total assets | 86.9037% | 2,563 |
| Equity capital to assets | 12.7172% | 1,636 |
| Core capital (leverage) ratio | 12.2039% | 1,579 |
| Tier 1 risk-based capital ratio | 21.0213% | 1,286 |
| Total risk-based capital ratio | 22.2718% | 1,258 |
| Memoranda: | ||
| Average total assets | $90,910,400 | 5,365 |
| Average earning assets | $84,951,400 | 5,298 |
| Average equity | $11,339,800 | 4,923 |
| Average total loans | $41,836,200 | 6,020 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 3,228 |
| Cost of funding earning assets | 1.5010% | 5,818 |
| Net interest margin | 4.2213% | 1,970 |
| Noninterest income to average assets | 0.3969% | 5,310 |
| Noninterest expense to average assets | 3.0035% | 4,028 |
| Loan and lease loss provision to assets | 0.3675% | 4,114 |
| Net operating income to assets | 0.8869% | 2,463 |
| Return on assets (ROA) | 0.9262% | 2,391 |
| Pretax return on assets | 1.0350% | 2,793 |
| Return on Equity (ROE) | 7.4622% | 2,878 |
| Retained earnings to average equity (ytd only) | 2.3689% | 4,003 |
| Net charge-offs to loans | 0.1616% | 5,098 |
| Credit loss provision to net charge-offs | 490.1961% | 807 |
| Earnings coverage of net charge-offs (x) | 18.1172% | 1,366 |
| Efficiency ratio | 68.8574% | 4,816 |
| Assets per employee ($millions) | 3.8204% | 4,147 |
| Cash dividends to net income (ytd only)* | 68.2540% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2789% | 514 |
| Loan loss allowance to noncurrent loans | 67.7603% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.9749% | 2,327 |
| Noncurrent loans to loans | 4.8389% | 1,404 |
| Net loans and leases to total assets | 47.8383% | 6,969 |
| Net loans and leases to deposits | 57.3622% | 7,003 |
| Net loans and leases to core deposits | 62.8392% | 7,292 |
| Total domestic deposits to total assets | 83.3969% | 4,022 |
| Equity capital to assets | 13.5736% | 1,464 |
| Core capital (leverage) ratio | 12.3529% | 1,640 |
| Tier 1 risk-based capital ratio | 20.7412% | 1,411 |
| Total risk-based capital ratio | 21.9878% | 1,373 |
| Memoranda: | ||
| Average total assets | $90,690,750 | 5,404 |
| Average earning assets | $85,184,250 | 5,333 |
| Average equity | $11,256,500 | 5,002 |
| Average total loans | $42,066,250 | 6,064 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7643% | 3,224 |
| Cost of funding earning assets | 1.5441% | 5,950 |
| Net interest margin | 4.2202% | 1,918 |
| Noninterest income to average assets | 0.4103% | 5,196 |
| Noninterest expense to average assets | 2.9531% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1254% | 1,681 |
| Return on assets (ROA) | 1.1655% | 1,652 |
| Pretax return on assets | 1.4624% | 1,555 |
| Return on Equity (ROE) | 9.6801% | 2,140 |
| Retained earnings to average equity (ytd only) | 1.8853% | 4,296 |
| Net charge-offs to loans | 0.2788% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 11.1552% | 1,929 |
| Efficiency ratio | 67.6500% | 5,224 |
| Assets per employee ($millions) | 4.2866% | 3,144 |
| Cash dividends to net income (ytd only)* | 80.5243% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7379% | 720 |
| Loan loss allowance to noncurrent loans | 102.6362% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 3,525 |
| Noncurrent loans to loans | 2.6676% | 2,703 |
| Net loans and leases to total assets | 43.9977% | 7,328 |
| Net loans and leases to deposits | 52.7190% | 7,345 |
| Net loans and leases to core deposits | 57.1248% | 7,551 |
| Total domestic deposits to total assets | 83.4569% | 4,036 |
| Equity capital to assets | 11.9400% | 2,240 |
| Core capital (leverage) ratio | 12.1486% | 1,773 |
| Tier 1 risk-based capital ratio | 19.8980% | 1,604 |
| Total risk-based capital ratio | 21.1352% | 1,561 |
| Memoranda: | ||
| Average total assets | $91,631,330 | 5,416 |
| Average earning assets | $85,873,000 | 5,344 |
| Average equity | $11,033,000 | 5,082 |
| Average total loans | $41,601,670 | 6,130 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 2,829 |
| Cost of funding earning assets | 1.6480% | 5,824 |
| Net interest margin | 4.2459% | 1,760 |
| Noninterest income to average assets | 0.4341% | 4,924 |
| Noninterest expense to average assets | 3.0079% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1014% | 1,959 |
| Return on assets (ROA) | 1.1784% | 1,826 |
| Pretax return on assets | 1.4840% | 1,709 |
| Return on Equity (ROE) | 9.7440% | 2,427 |
| Retained earnings to average equity (ytd only) | -6.0076% | 6,685 |
| Net charge-offs to loans | -0.0390% | 7,631 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4476% | 4,880 |
| Assets per employee ($millions) | 3.8937% | 3,887 |
| Cash dividends to net income (ytd only)* | 161.6541% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9555% | 497 |
| Loan loss allowance to noncurrent loans | 157.2890% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 3,740 |
| Noncurrent loans to loans | 1.8790% | 3,443 |
| Net loans and leases to total assets | 45.0990% | 7,257 |
| Net loans and leases to deposits | 53.7139% | 7,309 |
| Net loans and leases to core deposits | 58.5936% | 7,512 |
| Total domestic deposits to total assets | 83.9616% | 3,727 |
| Equity capital to assets | 12.3021% | 2,075 |
| Core capital (leverage) ratio | 12.0885% | 1,859 |
| Tier 1 risk-based capital ratio | 20.0729% | 1,610 |
| Total risk-based capital ratio | 21.3090% | 1,567 |
| Memoranda: | ||
| Average total assets | $90,294,500 | 5,473 |
| Average earning assets | $84,221,500 | 5,422 |
| Average equity | $10,919,500 | 5,131 |
| Average total loans | $41,072,500 | 6,187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8718% | 6,174 |
| Cost of funding earning assets | 2.0062% | 6,395 |
| Net interest margin | 3.8655% | 3,722 |
| Noninterest income to average assets | 0.2867% | 6,416 |
| Noninterest expense to average assets | 2.7355% | 5,108 |
| Loan and lease loss provision to assets | -0.6467% | 8,301 |
| Net operating income to assets | 1.3163% | 1,440 |
| Return on assets (ROA) | 1.3171% | 1,392 |
| Pretax return on assets | 1.8000% | 944 |
| Return on Equity (ROE) | 11.5902% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.8994% | 1,573 |
| Net charge-offs to loans | 0.0227% | 6,530 |
| Credit loss provision to net charge-offs | -6,666.6667% | 7,527 |
| Earnings coverage of net charge-offs (x) | 118.7778% | 381 |
| Efficiency ratio | 70.3632% | 4,277 |
| Assets per employee ($millions) | 3.7931% | 3,975 |
| Cash dividends to net income (ytd only)* | 49.0998% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0251% | 423 |
| Loan loss allowance to noncurrent loans | 118.2257% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.7191% | 2,829 |
| Noncurrent loans to loans | 2.5588% | 2,128 |
| Net loans and leases to total assets | 43.1713% | 7,519 |
| Net loans and leases to deposits | 49.1994% | 7,664 |
| Net loans and leases to core deposits | 53.2736% | 7,816 |
| Total domestic deposits to total assets | 87.7476% | 1,579 |
| Equity capital to assets | 11.8877% | 2,364 |
| Core capital (leverage) ratio | 12.0355% | 1,946 |
| Tier 1 risk-based capital ratio | 20.3522% | 1,561 |
| Total risk-based capital ratio | 21.5810% | 1,533 |
| Memoranda: | ||
| Average total assets | $92,780,200 | 5,266 |
| Average earning assets | $86,430,600 | 5,210 |
| Average equity | $10,543,400 | 5,249 |
| Average total loans | $39,572,800 | 6,182 |