Home > State Bank of Cazenovia > Performance and Condition Ratios
State Bank of Cazenovia, Performance and Condition Ratios
| 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 | 3.1589% | 5,293 |
| Cost of funding earning assets | 0.0703% | 5,682 |
| Net interest margin | 3.0885% | 4,713 |
| Noninterest income to average assets | 0.1901% | 5,102 |
| Noninterest expense to average assets | 2.6275% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4864% | 4,742 |
| Return on assets (ROA) | 0.4864% | 4,779 |
| Pretax return on assets | 0.5087% | 4,991 |
| Return on Equity (ROE) | 2.7206% | 5,193 |
| Retained earnings to average equity (ytd only) | 2.7206% | 4,078 |
| Net charge-offs to loans | 0.0230% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,150 |
| Efficiency ratio | 83.7790% | 862 |
| Assets per employee ($millions) | 3.8406% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3523% | 353 |
| Loan loss allowance to noncurrent loans | 166.3934% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,450 |
| Noncurrent loans to loans | 1.4137% | 1,353 |
| Net loans and leases to total assets | 48.7603% | 4,780 |
| Net loans and leases to deposits | 60.0342% | 4,621 |
| Net loans and leases to core deposits | 60.0342% | 4,823 |
| Total domestic deposits to total assets | 81.2209% | 4,125 |
| Equity capital to assets | 18.6345% | 283 |
| Core capital (leverage) ratio | 18.4798% | 275 |
| Tier 1 risk-based capital ratio | 39.6822% | 216 |
| Total risk-based capital ratio | 40.9483% | 210 |
| Memoranda: | ||
| Average total assets | $35,776,000 | 5,507 |
| Average earning assets | $34,126,330 | 5,470 |
| Average equity | $6,395,670 | 5,123 |
| Average total loans | $17,413,330 | 5,478 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1585% | 5,296 |
| Cost of funding earning assets | 0.0692% | 5,747 |
| Net interest margin | 3.0894% | 4,682 |
| Noninterest income to average assets | 0.2309% | 4,895 |
| Noninterest expense to average assets | 2.7157% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4178% | 4,901 |
| Return on assets (ROA) | 0.4178% | 4,923 |
| Pretax return on assets | 0.4618% | 5,027 |
| Return on Equity (ROE) | 2.3851% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.3851% | 4,190 |
| Net charge-offs to loans | 0.0229% | 2,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,001 |
| Efficiency ratio | 85.4671% | 847 |
| Assets per employee ($millions) | 3.5302% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3503% | 383 |
| Loan loss allowance to noncurrent loans | 13,566.6667% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,331 |
| Noncurrent loans to loans | 0.0173% | 5,163 |
| Net loans and leases to total assets | 47.9010% | 4,832 |
| Net loans and leases to deposits | 58.6298% | 4,655 |
| Net loans and leases to core deposits | 58.6298% | 4,848 |
| Total domestic deposits to total assets | 81.7008% | 4,246 |
| Equity capital to assets | 18.1066% | 296 |
| Core capital (leverage) ratio | 17.5001% | 324 |
| Tier 1 risk-based capital ratio | 38.9886% | 238 |
| Total risk-based capital ratio | 40.2544% | 234 |
| Memoranda: | ||
| Average total assets | $36,381,500 | 5,560 |
| Average earning assets | $34,699,500 | 5,525 |
| Average equity | $6,373,000 | 5,183 |
| Average total loans | $17,490,000 | 5,537 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1982% | 5,307 |
| Cost of funding earning assets | 0.0767% | 5,785 |
| Net interest margin | 3.1215% | 4,667 |
| Noninterest income to average assets | 0.1793% | 5,326 |
| Noninterest expense to average assets | 2.8046% | 3,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3559% | 5,064 |
| Return on assets (ROA) | 0.3559% | 5,154 |
| Pretax return on assets | 0.3158% | 5,345 |
| Return on Equity (ROE) | 2.1142% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.8758% | 4,465 |
| Net charge-offs to loans | 0.0110% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 907 |
| Efficiency ratio | 89.8799% | 561 |
| Assets per employee ($millions) | 3.7461% | 4,400 |
| Cash dividends to net income (ytd only)* | 11.2782% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3099% | 391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 46.0612% | 5,013 |
| Net loans and leases to deposits | 55.5914% | 4,935 |
| Net loans and leases to core deposits | 55.5914% | 5,064 |
| Total domestic deposits to total assets | 82.8568% | 3,814 |
| Equity capital to assets | 16.9616% | 388 |
| Core capital (leverage) ratio | 17.2492% | 340 |
| Tier 1 risk-based capital ratio | 37.3239% | 268 |
| Total risk-based capital ratio | 38.5904% | 263 |
| Memoranda: | ||
| Average total assets | $37,367,000 | 5,586 |
| Average earning assets | $35,207,200 | 5,559 |
| Average equity | $6,290,800 | 5,228 |
| Average total loans | $18,196,600 | 5,571 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2174% | 5,338 |
| Cost of funding earning assets | 0.0798% | 5,845 |
| Net interest margin | 3.1376% | 4,677 |
| Noninterest income to average assets | 0.1892% | 5,325 |
| Noninterest expense to average assets | 2.8027% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3142% | 5,256 |
| Return on assets (ROA) | 0.3142% | 5,339 |
| Pretax return on assets | 0.3356% | 5,400 |
| Return on Equity (ROE) | 1.8698% | 5,497 |
| Retained earnings to average equity (ytd only) | 1.8698% | 4,746 |
| Net charge-offs to loans | 0.0146% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 46.9401% | 1,126 |
| Efficiency ratio | 89.3060% | 602 |
| Assets per employee ($millions) | 3.2801% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2340% | 484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 49.4859% | 4,855 |
| Net loans and leases to deposits | 60.3311% | 4,734 |
| Net loans and leases to core deposits | 60.3311% | 4,918 |
| Total domestic deposits to total assets | 82.0238% | 3,929 |
| Equity capital to assets | 17.5272% | 390 |
| Core capital (leverage) ratio | 17.2935% | 347 |
| Tier 1 risk-based capital ratio | 36.4770% | 306 |
| Total risk-based capital ratio | 37.7419% | 300 |
| Memoranda: | ||
| Average total assets | $37,343,500 | 5,647 |
| Average earning assets | $35,100,250 | 5,620 |
| Average equity | $6,275,000 | 5,287 |
| Average total loans | $18,330,000 | 5,624 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2281% | 5,391 |
| Cost of funding earning assets | 0.0794% | 5,928 |
| Net interest margin | 3.1487% | 4,696 |
| Noninterest income to average assets | 0.1960% | 5,325 |
| Noninterest expense to average assets | 2.8175% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3072% | 5,305 |
| Return on assets (ROA) | 0.3072% | 5,393 |
| Pretax return on assets | 0.3178% | 5,475 |
| Return on Equity (ROE) | 1.8534% | 5,540 |
| Retained earnings to average equity (ytd only) | 1.8534% | 4,632 |
| Net charge-offs to loans | 0.0436% | 2,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,020 |
| Efficiency ratio | 89.8649% | 609 |
| Assets per employee ($millions) | 3.2878% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2320% | 521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 49.1733% | 4,899 |
| Net loans and leases to deposits | 59.7942% | 4,810 |
| Net loans and leases to core deposits | 59.7942% | 4,992 |
| Total domestic deposits to total assets | 82.2375% | 3,926 |
| Equity capital to assets | 17.4031% | 387 |
| Core capital (leverage) ratio | 16.9336% | 372 |
| Tier 1 risk-based capital ratio | 35.8818% | 315 |
| Total risk-based capital ratio | 37.1493% | 309 |
| Memoranda: | ||
| Average total assets | $37,764,330 | 5,708 |
| Average earning assets | $35,253,000 | 5,685 |
| Average equity | $6,258,670 | 5,336 |
| Average total loans | $18,352,330 | 5,687 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 5,510 |
| Cost of funding earning assets | 0.0779% | 5,993 |
| Net interest margin | 3.1039% | 4,850 |
| Noninterest income to average assets | 0.2075% | 5,247 |
| Noninterest expense to average assets | 2.9769% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1037% | 5,678 |
| Return on assets (ROA) | 0.1037% | 5,723 |
| Pretax return on assets | 0.1245% | 5,713 |
| Return on Equity (ROE) | 0.6409% | 5,756 |
| Retained earnings to average equity (ytd only) | 0.6409% | 4,957 |
| Net charge-offs to loans | 0.0868% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,603 |
| Efficiency ratio | 95.9866% | 398 |
| Assets per employee ($millions) | 3.3819% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2250% | 571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 47.9584% | 4,969 |
| Net loans and leases to deposits | 57.8183% | 4,865 |
| Net loans and leases to core deposits | 57.8183% | 5,059 |
| Total domestic deposits to total assets | 82.9467% | 3,919 |
| Equity capital to assets | 16.7899% | 439 |
| Core capital (leverage) ratio | 15.9546% | 473 |
| Tier 1 risk-based capital ratio | 36.0161% | 307 |
| Total risk-based capital ratio | 37.2807% | 302 |
| Memoranda: | ||
| Average total assets | $38,563,500 | 5,745 |
| Average earning assets | $35,954,500 | 5,719 |
| Average equity | $6,241,000 | 5,375 |
| Average total loans | $18,433,500 | 5,736 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 5,171 |
| Cost of funding earning assets | 0.0946% | 5,984 |
| Net interest margin | 3.2995% | 4,295 |
| Noninterest income to average assets | 0.1978% | 5,401 |
| Noninterest expense to average assets | 2.9698% | 2,641 |
| Loan and lease loss provision to assets | 0.0082% | 4,230 |
| Net operating income to assets | 0.2527% | 5,477 |
| Return on assets (ROA) | 0.2527% | 5,545 |
| Pretax return on assets | 0.2857% | 5,547 |
| Return on Equity (ROE) | 1.4785% | 5,689 |
| Retained earnings to average equity (ytd only) | 1.2214% | 5,019 |
| Net charge-offs to loans | 0.0107% | 4,100 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 957 |
| Efficiency ratio | 90.9933% | 632 |
| Assets per employee ($millions) | 3.6296% | 4,594 |
| Cash dividends to net income (ytd only)* | 17.3913% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2019% | 590 |
| Loan loss allowance to noncurrent loans | 4,555.5556% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 5,602 |
| Noncurrent loans to loans | 0.0483% | 5,324 |
| Net loans and leases to total assets | 45.6094% | 5,186 |
| Net loans and leases to deposits | 54.1819% | 5,154 |
| Net loans and leases to core deposits | 54.1819% | 5,304 |
| Total domestic deposits to total assets | 84.1782% | 3,413 |
| Equity capital to assets | 15.6189% | 576 |
| Core capital (leverage) ratio | 16.5874% | 407 |
| Tier 1 risk-based capital ratio | 34.6824% | 341 |
| Total risk-based capital ratio | 35.9472% | 340 |
| Memoranda: | ||
| Average total assets | $36,400,200 | 5,843 |
| Average earning assets | $33,823,400 | 5,818 |
| Average equity | $6,222,600 | 5,391 |
| Average total loans | $18,736,000 | 5,774 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 5,077 |
| Cost of funding earning assets | 0.1009% | 6,055 |
| Net interest margin | 3.3613% | 4,102 |
| Noninterest income to average assets | 0.2102% | 5,391 |
| Noninterest expense to average assets | 2.8491% | 3,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4580% | 4,940 |
| Return on assets (ROA) | 0.4580% | 5,039 |
| Pretax return on assets | 0.4880% | 5,248 |
| Return on Equity (ROE) | 2.6154% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.6154% | 4,548 |
| Net charge-offs to loans | 0.0142% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 64.9176% | 864 |
| Efficiency ratio | 85.3768% | 1,050 |
| Assets per employee ($millions) | 3.5766% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 704 |
| Loan loss allowance to noncurrent loans | 598.5294% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 4,988 |
| Noncurrent loans to loans | 0.3618% | 4,314 |
| Net loans and leases to total assets | 51.4092% | 4,808 |
| Net loans and leases to deposits | 62.8079% | 4,659 |
| Net loans and leases to core deposits | 62.8079% | 4,878 |
| Total domestic deposits to total assets | 81.8515% | 4,213 |
| Equity capital to assets | 17.5642% | 380 |
| Core capital (leverage) ratio | 17.9758% | 302 |
| Tier 1 risk-based capital ratio | 34.8149% | 346 |
| Total risk-based capital ratio | 36.0785% | 350 |
| Memoranda: | ||
| Average total assets | $35,518,750 | 5,937 |
| Average earning assets | $33,042,250 | 5,913 |
| Average equity | $6,219,250 | 5,455 |
| Average total loans | $18,765,000 | 5,842 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 5,086 |
| Cost of funding earning assets | 0.1035% | 6,122 |
| Net interest margin | 3.3547% | 4,084 |
| Noninterest income to average assets | 0.2201% | 5,387 |
| Noninterest expense to average assets | 2.8445% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4572% | 4,955 |
| Return on assets (ROA) | 0.4572% | 5,048 |
| Pretax return on assets | 0.4854% | 5,267 |
| Return on Equity (ROE) | 2.6136% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.6136% | 4,398 |
| Net charge-offs to loans | 0.0213% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,072 |
| Efficiency ratio | 85.4237% | 1,105 |
| Assets per employee ($millions) | 3.4039% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1828% | 754 |
| Loan loss allowance to noncurrent loans | 589.8551% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 5,057 |
| Noncurrent loans to loans | 0.3701% | 4,383 |
| Net loans and leases to total assets | 53.5827% | 4,604 |
| Net loans and leases to deposits | 66.0235% | 4,335 |
| Net loans and leases to core deposits | 66.0235% | 4,652 |
| Total domestic deposits to total assets | 81.1569% | 4,563 |
| Equity capital to assets | 18.3349% | 306 |
| Core capital (leverage) ratio | 17.9861% | 292 |
| Tier 1 risk-based capital ratio | 34.8367% | 366 |
| Total risk-based capital ratio | 36.0982% | 365 |
| Memoranda: | ||
| Average total assets | $35,436,330 | 6,007 |
| Average earning assets | $32,849,000 | 5,981 |
| Average equity | $6,198,330 | 5,502 |
| Average total loans | $18,755,330 | 5,896 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3880% | 5,230 |
| Cost of funding earning assets | 0.1077% | 6,174 |
| Net interest margin | 3.2802% | 4,293 |
| Noninterest income to average assets | 0.2325% | 5,296 |
| Noninterest expense to average assets | 2.8560% | 3,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3764% | 5,156 |
| Return on assets (ROA) | 0.3764% | 5,277 |
| Pretax return on assets | 0.4096% | 5,412 |
| Return on Equity (ROE) | 2.2017% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.2017% | 4,581 |
| Net charge-offs to loans | 0.0851% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,021 |
| Efficiency ratio | 87.4576% | 1,059 |
| Assets per employee ($millions) | 3.1558% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1786% | 829 |
| Loan loss allowance to noncurrent loans | 13,500.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,920 |
| Noncurrent loans to loans | 0.0161% | 5,740 |
| Net loans and leases to total assets | 52.3852% | 4,625 |
| Net loans and leases to deposits | 64.0813% | 4,364 |
| Net loans and leases to core deposits | 64.0813% | 4,689 |
| Total domestic deposits to total assets | 81.7480% | 4,588 |
| Equity capital to assets | 17.8429% | 342 |
| Core capital (leverage) ratio | 16.9657% | 362 |
| Tier 1 risk-based capital ratio | 32.5537% | 443 |
| Total risk-based capital ratio | 33.8151% | 437 |
| Memoranda: | ||
| Average total assets | $36,135,000 | 6,049 |
| Average earning assets | $33,412,500 | 6,029 |
| Average equity | $6,177,000 | 5,558 |
| Average total loans | $18,810,000 | 5,945 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 5,284 |
| Cost of funding earning assets | 0.1363% | 6,172 |
| Net interest margin | 3.3784% | 4,289 |
| Noninterest income to average assets | 0.3636% | 4,489 |
| Noninterest expense to average assets | 3.1044% | 2,499 |
| Loan and lease loss provision to assets | 0.0140% | 4,333 |
| Net operating income to assets | 0.4503% | 5,018 |
| Return on assets (ROA) | 0.4503% | 5,110 |
| Pretax return on assets | 0.3636% | 5,578 |
| Return on Equity (ROE) | 2.6380% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.3922% | 4,529 |
| Net charge-offs to loans | 0.0155% | 4,570 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,001 |
| Efficiency ratio | 89.1566% | 898 |
| Assets per employee ($millions) | 3.4142% | 5,026 |
| Cash dividends to net income (ytd only)* | 9.3168% | 4,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1492% | 883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 49.5820% | 5,010 |
| Net loans and leases to deposits | 59.5434% | 4,941 |
| Net loans and leases to core deposits | 59.5434% | 5,173 |
| Total domestic deposits to total assets | 83.2703% | 3,987 |
| Equity capital to assets | 16.4022% | 487 |
| Core capital (leverage) ratio | 17.2840% | 344 |
| Tier 1 risk-based capital ratio | 32.6842% | 405 |
| Total risk-based capital ratio | 33.9470% | 397 |
| Memoranda: | ||
| Average total assets | $35,756,200 | 6,138 |
| Average earning assets | $33,003,800 | 6,118 |
| Average equity | $6,103,200 | 5,597 |
| Average total loans | $19,392,400 | 5,984 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5448% | 5,287 |
| Cost of funding earning assets | 0.1429% | 6,226 |
| Net interest margin | 3.4019% | 4,235 |
| Noninterest income to average assets | 0.4230% | 4,077 |
| Noninterest expense to average assets | 2.9947% | 2,814 |
| Loan and lease loss provision to assets | 0.0076% | 4,267 |
| Net operating income to assets | 0.5363% | 4,731 |
| Return on assets (ROA) | 0.5363% | 4,803 |
| Pretax return on assets | 0.5665% | 5,138 |
| Return on Equity (ROE) | 3.1094% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.1094% | 4,411 |
| Net charge-offs to loans | 0.0068% | 4,467 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 152.3759% | 412 |
| Efficiency ratio | 83.9153% | 1,396 |
| Assets per employee ($millions) | 3.2078% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 1,088 |
| Loan loss allowance to noncurrent loans | 13,600.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,160 |
| Noncurrent loans to loans | 0.0154% | 5,970 |
| Net loans and leases to total assets | 53.8741% | 4,591 |
| Net loans and leases to deposits | 65.6695% | 4,370 |
| Net loans and leases to core deposits | 65.6695% | 4,739 |
| Total domestic deposits to total assets | 82.0382% | 4,463 |
| Equity capital to assets | 17.4460% | 383 |
| Core capital (leverage) ratio | 17.4847% | 326 |
| Tier 1 risk-based capital ratio | 32.4684% | 426 |
| Total risk-based capital ratio | 33.7289% | 420 |
| Memoranda: | ||
| Average total assets | $35,306,250 | 6,224 |
| Average earning assets | $32,648,000 | 6,200 |
| Average equity | $6,089,000 | 5,656 |
| Average total loans | $19,483,000 | 6,046 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 5,371 |
| Cost of funding earning assets | 0.1538% | 6,246 |
| Net interest margin | 3.3643% | 4,338 |
| Noninterest income to average assets | 0.5041% | 3,456 |
| Noninterest expense to average assets | 2.9564% | 2,978 |
| Loan and lease loss provision to assets | 0.0113% | 4,021 |
| Net operating income to assets | 0.6230% | 4,232 |
| Return on assets (ROA) | 0.6230% | 4,330 |
| Pretax return on assets | 0.6343% | 4,839 |
| Return on Equity (ROE) | 3.6264% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.6264% | 3,881 |
| Net charge-offs to loans | 0.0103% | 4,052 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 504 |
| Efficiency ratio | 82.0755% | 1,732 |
| Assets per employee ($millions) | 3.1601% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 1,169 |
| Loan loss allowance to noncurrent loans | 40,800.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 4,481 |
| Noncurrent loans to loans | 0.0052% | 6,082 |
| Net loans and leases to total assets | 54.6503% | 4,458 |
| Net loans and leases to deposits | 66.6421% | 4,200 |
| Net loans and leases to core deposits | 66.6421% | 4,581 |
| Total domestic deposits to total assets | 82.0057% | 4,648 |
| Equity capital to assets | 17.6174% | 353 |
| Core capital (leverage) ratio | 17.7122% | 311 |
| Tier 1 risk-based capital ratio | 32.2962% | 436 |
| Total risk-based capital ratio | 33.5566% | 425 |
| Memoranda: | ||
| Average total assets | $35,313,000 | 6,285 |
| Average earning assets | $32,518,330 | 6,267 |
| Average equity | $6,066,670 | 5,701 |
| Average total loans | $19,504,670 | 6,097 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 5,494 |
| Cost of funding earning assets | 0.1713% | 6,220 |
| Net interest margin | 3.3028% | 4,524 |
| Noninterest income to average assets | 0.2360% | 5,474 |
| Noninterest expense to average assets | 2.9335% | 3,104 |
| Loan and lease loss provision to assets | 0.0225% | 3,537 |
| Net operating income to assets | 0.2922% | 5,523 |
| Return on assets (ROA) | 0.2922% | 5,567 |
| Pretax return on assets | 0.3147% | 5,680 |
| Return on Equity (ROE) | 1.7224% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.7224% | 4,925 |
| Net charge-offs to loans | -0.0614% | 5,904 |
| Credit loss provision to net charge-offs | -66.6667% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6907% | 1,066 |
| Assets per employee ($millions) | 3.1665% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 1,277 |
| Loan loss allowance to noncurrent loans | 403.9216% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 4,920 |
| Noncurrent loans to loans | 0.5270% | 4,593 |
| Net loans and leases to total assets | 54.3883% | 4,369 |
| Net loans and leases to deposits | 66.0461% | 4,089 |
| Net loans and leases to core deposits | 66.0461% | 4,483 |
| Total domestic deposits to total assets | 82.3491% | 4,836 |
| Equity capital to assets | 17.3409% | 363 |
| Core capital (leverage) ratio | 16.9782% | 368 |
| Tier 1 risk-based capital ratio | 31.9053% | 450 |
| Total risk-based capital ratio | 33.1678% | 447 |
| Memoranda: | ||
| Average total assets | $35,589,000 | 6,342 |
| Average earning assets | $32,699,500 | 6,323 |
| Average equity | $6,038,000 | 5,737 |
| Average total loans | $19,554,500 | 6,153 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 5,380 |
| Cost of funding earning assets | 0.1997% | 6,298 |
| Net interest margin | 3.4098% | 4,239 |
| Noninterest income to average assets | 0.1935% | 5,933 |
| Noninterest expense to average assets | 3.0811% | 2,797 |
| Loan and lease loss provision to assets | 0.0541% | 4,061 |
| Net operating income to assets | 0.2902% | 5,558 |
| Return on assets (ROA) | 0.2902% | 5,652 |
| Pretax return on assets | 0.2162% | 5,908 |
| Return on Equity (ROE) | 1.6991% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.4159% | 5,187 |
| Net charge-offs to loans | 0.2309% | 2,611 |
| Credit loss provision to net charge-offs | 41.3043% | 4,017 |
| Earnings coverage of net charge-offs (x) | 2.0652% | 4,358 |
| Efficiency ratio | 91.9355% | 883 |
| Assets per employee ($millions) | 3.6347% | 4,604 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 1,419 |
| Loan loss allowance to noncurrent loans | 399.0196% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 5,084 |
| Noncurrent loans to loans | 0.5164% | 4,699 |
| Net loans and leases to total assets | 53.2259% | 4,693 |
| Net loans and leases to deposits | 64.0172% | 4,504 |
| Net loans and leases to core deposits | 64.0172% | 4,866 |
| Total domestic deposits to total assets | 83.1430% | 4,495 |
| Equity capital to assets | 16.6066% | 437 |
| Core capital (leverage) ratio | 17.6244% | 322 |
| Tier 1 risk-based capital ratio | 31.2876% | 456 |
| Total risk-based capital ratio | 32.5472% | 448 |
| Memoranda: | ||
| Average total assets | $35,149,400 | 6,413 |
| Average earning assets | $32,552,800 | 6,388 |
| Average equity | $6,003,200 | 5,823 |
| Average total loans | $19,926,200 | 6,205 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 5,384 |
| Cost of funding earning assets | 0.2106% | 6,351 |
| Net interest margin | 3.4103% | 4,244 |
| Noninterest income to average assets | 0.1913% | 6,035 |
| Noninterest expense to average assets | 2.9727% | 3,070 |
| Loan and lease loss provision to assets | 0.0497% | 4,020 |
| Net operating income to assets | 0.2908% | 5,645 |
| Return on assets (ROA) | 0.2908% | 5,755 |
| Pretax return on assets | 0.3290% | 5,803 |
| Return on Equity (ROE) | 1.6902% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.6902% | 5,295 |
| Net charge-offs to loans | 0.2871% | 2,101 |
| Credit loss provision to net charge-offs | 30.2326% | 3,891 |
| Earnings coverage of net charge-offs (x) | 2.3025% | 4,074 |
| Efficiency ratio | 88.6986% | 1,111 |
| Assets per employee ($millions) | 2.8259% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 1,646 |
| Loan loss allowance to noncurrent loans | 396.0784% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 5,165 |
| Noncurrent loans to loans | 0.5133% | 4,906 |
| Net loans and leases to total assets | 57.4062% | 4,101 |
| Net loans and leases to deposits | 70.2273% | 3,754 |
| Net loans and leases to core deposits | 70.2273% | 4,299 |
| Total domestic deposits to total assets | 81.7434% | 5,014 |
| Equity capital to assets | 17.7730% | 344 |
| Core capital (leverage) ratio | 17.6724% | 327 |
| Tier 1 risk-based capital ratio | 31.0286% | 474 |
| Total risk-based capital ratio | 32.2900% | 465 |
| Memoranda: | ||
| Average total assets | $34,850,000 | 6,489 |
| Average earning assets | $32,293,500 | 6,461 |
| Average equity | $5,995,000 | 5,895 |
| Average total loans | $19,969,500 | 6,271 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5916% | 5,460 |
| Cost of funding earning assets | 0.2149% | 6,404 |
| Net interest margin | 3.3767% | 4,277 |
| Noninterest income to average assets | 0.1877% | 6,085 |
| Noninterest expense to average assets | 2.7927% | 3,696 |
| Loan and lease loss provision to assets | 0.0398% | 4,155 |
| Net operating income to assets | 0.4266% | 5,122 |
| Return on assets (ROA) | 0.4266% | 5,277 |
| Pretax return on assets | 0.4835% | 5,423 |
| Return on Equity (ROE) | 2.5065% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.5065% | 4,704 |
| Net charge-offs to loans | 0.4200% | 1,536 |
| Credit loss provision to net charge-offs | 16.6667% | 3,799 |
| Earnings coverage of net charge-offs (x) | 2.1905% | 3,798 |
| Efficiency ratio | 84.2196% | 1,607 |
| Assets per employee ($millions) | 2.8698% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 1,849 |
| Loan loss allowance to noncurrent loans | 78.3890% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 2,724 |
| Noncurrent loans to loans | 2.5501% | 1,809 |
| Net loans and leases to total assets | 56.8023% | 4,165 |
| Net loans and leases to deposits | 69.1813% | 3,833 |
| Net loans and leases to core deposits | 69.1813% | 4,367 |
| Total domestic deposits to total assets | 82.1065% | 5,024 |
| Equity capital to assets | 17.4986% | 365 |
| Core capital (leverage) ratio | 17.7152% | 304 |
| Tier 1 risk-based capital ratio | 30.7230% | 489 |
| Total risk-based capital ratio | 31.9823% | 484 |
| Memoranda: | ||
| Average total assets | $35,163,000 | 6,528 |
| Average earning assets | $32,576,000 | 6,501 |
| Average equity | $5,984,330 | 5,942 |
| Average total loans | $20,002,330 | 6,303 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 5,419 |
| Cost of funding earning assets | 0.2318% | 6,399 |
| Net interest margin | 3.3799% | 4,194 |
| Noninterest income to average assets | 0.1914% | 6,103 |
| Noninterest expense to average assets | 2.8824% | 3,409 |
| Loan and lease loss provision to assets | 0.0338% | 4,021 |
| Net operating income to assets | 0.2815% | 5,628 |
| Return on assets (ROA) | 0.2815% | 5,748 |
| Pretax return on assets | 0.3941% | 5,578 |
| Return on Equity (ROE) | 1.6769% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.6769% | 5,148 |
| Net charge-offs to loans | 0.4595% | 1,300 |
| Credit loss provision to net charge-offs | 13.0435% | 3,115 |
| Earnings coverage of net charge-offs (x) | 1.6522% | 3,276 |
| Efficiency ratio | 87.0748% | 1,410 |
| Assets per employee ($millions) | 2.8513% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0744% | 1,858 |
| Loan loss allowance to noncurrent loans | 99.0431% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 3,283 |
| Noncurrent loans to loans | 2.0944% | 2,510 |
| Net loans and leases to total assets | 57.1211% | 3,901 |
| Net loans and leases to deposits | 69.4750% | 3,580 |
| Net loans and leases to core deposits | 69.4750% | 4,141 |
| Total domestic deposits to total assets | 82.2183% | 5,121 |
| Equity capital to assets | 17.4660% | 375 |
| Core capital (leverage) ratio | 16.7559% | 376 |
| Tier 1 risk-based capital ratio | 31.2046% | 478 |
| Total risk-based capital ratio | 32.4683% | 469 |
| Memoranda: | ||
| Average total assets | $35,526,000 | 6,581 |
| Average earning assets | $32,782,000 | 6,557 |
| Average equity | $5,963,500 | 5,996 |
| Average total loans | $20,023,500 | 6,356 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 5,784 |
| Cost of funding earning assets | 0.3334% | 6,299 |
| Net interest margin | 3.4835% | 4,570 |
| Noninterest income to average assets | 0.2012% | 5,977 |
| Noninterest expense to average assets | 2.9947% | 3,295 |
| Loan and lease loss provision to assets | 0.0690% | 4,886 |
| Net operating income to assets | 0.3363% | 5,346 |
| Return on assets (ROA) | 0.3363% | 5,559 |
| Pretax return on assets | 0.3506% | 5,712 |
| Return on Equity (ROE) | 1.9814% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.6935% | 5,009 |
| Net charge-offs to loans | 0.0501% | 5,211 |
| Credit loss provision to net charge-offs | 240.0000% | 1,035 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 1,722 |
| Efficiency ratio | 87.7104% | 1,263 |
| Assets per employee ($millions) | 3.0698% | 5,902 |
| Cash dividends to net income (ytd only)* | 14.5299% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1604% | 1,628 |
| Loan loss allowance to noncurrent loans | 90.2287% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3058% | 3,469 |
| Noncurrent loans to loans | 2.3943% | 2,236 |
| Net loans and leases to total assets | 53.3567% | 4,707 |
| Net loans and leases to deposits | 63.8315% | 4,554 |
| Net loans and leases to core deposits | 63.8315% | 4,975 |
| Total domestic deposits to total assets | 83.5899% | 4,502 |
| Equity capital to assets | 16.1550% | 528 |
| Core capital (leverage) ratio | 17.1920% | 336 |
| Tier 1 risk-based capital ratio | 30.3081% | 508 |
| Total risk-based capital ratio | 31.5712% | 500 |
| Memoranda: | ||
| Average total assets | $34,794,800 | 6,638 |
| Average earning assets | $32,094,200 | 6,605 |
| Average equity | $5,904,800 | 6,046 |
| Average total loans | $19,965,000 | 6,427 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 5,862 |
| Cost of funding earning assets | 0.3659% | 6,296 |
| Net interest margin | 3.5030% | 4,628 |
| Noninterest income to average assets | 0.2139% | 6,010 |
| Noninterest expense to average assets | 2.9167% | 3,530 |
| Loan and lease loss provision to assets | 0.0700% | 4,794 |
| Net operating income to assets | 0.3967% | 5,263 |
| Return on assets (ROA) | 0.3967% | 5,485 |
| Pretax return on assets | 0.4667% | 5,548 |
| Return on Equity (ROE) | 2.3077% | 5,941 |
| Retained earnings to average equity (ytd only) | 2.3077% | 5,182 |
| Net charge-offs to loans | -0.0067% | 6,304 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4595% | 1,536 |
| Assets per employee ($millions) | 2.8066% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1954% | 1,714 |
| Loan loss allowance to noncurrent loans | 74.6599% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7459% | 2,987 |
| Noncurrent loans to loans | 2.9406% | 1,899 |
| Net loans and leases to total assets | 58.0688% | 4,127 |
| Net loans and leases to deposits | 70.9152% | 3,768 |
| Net loans and leases to core deposits | 70.9152% | 4,387 |
| Total domestic deposits to total assets | 81.8849% | 5,063 |
| Equity capital to assets | 17.6549% | 387 |
| Core capital (leverage) ratio | 17.5580% | 327 |
| Tier 1 risk-based capital ratio | 31.5421% | 459 |
| Total risk-based capital ratio | 32.8046% | 454 |
| Memoranda: | ||
| Average total assets | $34,284,250 | 6,733 |
| Average earning assets | $31,705,250 | 6,701 |
| Average equity | $5,893,250 | 6,119 |
| Average total loans | $19,934,000 | 6,515 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8788% | 5,961 |
| Cost of funding earning assets | 0.3961% | 6,283 |
| Net interest margin | 3.4828% | 4,751 |
| Noninterest income to average assets | 0.2146% | 6,032 |
| Noninterest expense to average assets | 2.8939% | 3,646 |
| Loan and lease loss provision to assets | 0.0696% | 4,759 |
| Net operating income to assets | 0.3596% | 5,380 |
| Return on assets (ROA) | 0.3596% | 5,604 |
| Pretax return on assets | 0.4640% | 5,534 |
| Return on Equity (ROE) | 2.1104% | 6,010 |
| Retained earnings to average equity (ytd only) | 2.1104% | 5,141 |
| Net charge-offs to loans | -0.0100% | 6,283 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4332% | 1,588 |
| Assets per employee ($millions) | 2.8397% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1839% | 1,808 |
| Loan loss allowance to noncurrent loans | 94.3355% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 3,746 |
| Noncurrent loans to loans | 2.3150% | 2,588 |
| Net loans and leases to total assets | 56.9140% | 4,340 |
| Net loans and leases to deposits | 69.1704% | 4,016 |
| Net loans and leases to core deposits | 69.1704% | 4,644 |
| Total domestic deposits to total assets | 82.2808% | 5,021 |
| Equity capital to assets | 17.3318% | 404 |
| Core capital (leverage) ratio | 17.1691% | 347 |
| Tier 1 risk-based capital ratio | 31.5559% | 459 |
| Total risk-based capital ratio | 32.8168% | 452 |
| Memoranda: | ||
| Average total assets | $34,486,000 | 6,776 |
| Average earning assets | $31,813,670 | 6,742 |
| Average equity | $5,875,670 | 6,154 |
| Average total loans | $19,913,330 | 6,567 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 5,949 |
| Cost of funding earning assets | 0.4130% | 6,345 |
| Net interest margin | 3.5170% | 4,603 |
| Noninterest income to average assets | 0.2306% | 5,975 |
| Noninterest expense to average assets | 2.8826% | 3,696 |
| Loan and lease loss provision to assets | 0.0692% | 4,546 |
| Net operating income to assets | 0.3805% | 5,346 |
| Return on assets (ROA) | 0.3805% | 5,530 |
| Pretax return on assets | 0.5189% | 5,367 |
| Return on Equity (ROE) | 2.2524% | 5,988 |
| Retained earnings to average equity (ytd only) | 2.2524% | 5,131 |
| Net charge-offs to loans | -0.0200% | 6,186 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0565% | 1,791 |
| Assets per employee ($millions) | 2.8835% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 1,955 |
| Loan loss allowance to noncurrent loans | 104.9140% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 4,165 |
| Noncurrent loans to loans | 2.0638% | 3,073 |
| Net loans and leases to total assets | 55.7598% | 4,429 |
| Net loans and leases to deposits | 67.3603% | 4,168 |
| Net loans and leases to core deposits | 67.3603% | 4,750 |
| Total domestic deposits to total assets | 82.7785% | 5,017 |
| Equity capital to assets | 16.9846% | 430 |
| Core capital (leverage) ratio | 16.7617% | 379 |
| Tier 1 risk-based capital ratio | 31.5442% | 458 |
| Total risk-based capital ratio | 32.8055% | 450 |
| Memoranda: | ||
| Average total assets | $34,691,000 | 6,830 |
| Average earning assets | $31,959,500 | 6,796 |
| Average equity | $5,860,500 | 6,189 |
| Average total loans | $19,956,500 | 6,615 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 5,709 |
| Cost of funding earning assets | 0.5445% | 6,366 |
| Net interest margin | 3.7731% | 3,962 |
| Noninterest income to average assets | 0.2248% | 5,924 |
| Noninterest expense to average assets | 3.2384% | 2,736 |
| Loan and lease loss provision to assets | 0.0467% | 5,989 |
| Net operating income to assets | 0.3767% | 4,962 |
| Return on assets (ROA) | 0.3767% | 5,139 |
| Pretax return on assets | 0.4000% | 5,297 |
| Return on Equity (ROE) | 2.2235% | 5,573 |
| Retained earnings to average equity (ytd only) | 1.8960% | 4,852 |
| Net charge-offs to loans | 0.0094% | 6,298 |
| Credit loss provision to net charge-offs | 800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 390 |
| Efficiency ratio | 87.8764% | 1,365 |
| Assets per employee ($millions) | 2.8983% | 6,289 |
| Cash dividends to net income (ytd only)* | 14.7287% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 2,069 |
| Loan loss allowance to noncurrent loans | 103.1941% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 4,281 |
| Noncurrent loans to loans | 2.0156% | 3,183 |
| Net loans and leases to total assets | 56.8488% | 4,568 |
| Net loans and leases to deposits | 68.4863% | 4,368 |
| Net loans and leases to core deposits | 68.4863% | 4,973 |
| Total domestic deposits to total assets | 83.0075% | 4,747 |
| Equity capital to assets | 16.8028% | 477 |
| Core capital (leverage) ratio | 17.0663% | 358 |
| Tier 1 risk-based capital ratio | 30.9632% | 471 |
| Total risk-based capital ratio | 32.2242% | 462 |
| Memoranda: | ||
| Average total assets | $34,245,800 | 6,852 |
| Average earning assets | $31,406,200 | 6,826 |
| Average equity | $5,801,600 | 6,205 |
| Average total loans | $21,207,800 | 6,595 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 5,638 |
| Cost of funding earning assets | 0.5749% | 6,405 |
| Net interest margin | 3.8156% | 3,795 |
| Noninterest income to average assets | 0.2150% | 6,071 |
| Noninterest expense to average assets | 3.0761% | 3,253 |
| Loan and lease loss provision to assets | 0.0391% | 5,952 |
| Net operating income to assets | 0.4417% | 4,816 |
| Return on assets (ROA) | 0.4417% | 5,010 |
| Pretax return on assets | 0.6019% | 4,806 |
| Return on Equity (ROE) | 2.6016% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.6016% | 4,805 |
| Net charge-offs to loans | -0.0124% | 6,811 |
| Credit loss provision to net charge-offs | -500.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7550% | 1,875 |
| Assets per employee ($millions) | 2.6025% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 2,201 |
| Loan loss allowance to noncurrent loans | 733.3333% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 6,314 |
| Noncurrent loans to loans | 0.2798% | 6,302 |
| Net loans and leases to total assets | 58.9720% | 4,326 |
| Net loans and leases to deposits | 71.7337% | 4,026 |
| Net loans and leases to core deposits | 71.7337% | 4,747 |
| Total domestic deposits to total assets | 82.2097% | 5,005 |
| Equity capital to assets | 17.2819% | 461 |
| Core capital (leverage) ratio | 17.6439% | 355 |
| Tier 1 risk-based capital ratio | 30.6961% | 506 |
| Total risk-based capital ratio | 31.9561% | 492 |
| Memoranda: | ||
| Average total assets | $34,112,250 | 6,919 |
| Average earning assets | $31,309,250 | 6,892 |
| Average equity | $5,791,000 | 6,253 |
| Average total loans | $21,461,750 | 6,650 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 5,567 |
| Cost of funding earning assets | 0.6000% | 6,468 |
| Net interest margin | 3.8359% | 3,615 |
| Noninterest income to average assets | 0.2163% | 6,120 |
| Noninterest expense to average assets | 3.0112% | 3,594 |
| Loan and lease loss provision to assets | 0.0351% | 5,875 |
| Net operating income to assets | 0.4970% | 4,513 |
| Return on assets (ROA) | 0.4970% | 4,653 |
| Pretax return on assets | 0.6841% | 4,446 |
| Return on Equity (ROE) | 2.9451% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.9451% | 4,407 |
| Net charge-offs to loans | -0.0092% | 6,669 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7210% | 2,279 |
| Assets per employee ($millions) | 2.5496% | 6,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9547% | 2,492 |
| Loan loss allowance to noncurrent loans | 983.3333% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,474 |
| Noncurrent loans to loans | 0.1988% | 6,512 |
| Net loans and leases to total assets | 62.5011% | 3,793 |
| Net loans and leases to deposits | 76.2178% | 3,425 |
| Net loans and leases to core deposits | 76.2178% | 4,291 |
| Total domestic deposits to total assets | 82.0033% | 5,168 |
| Equity capital to assets | 17.5562% | 421 |
| Core capital (leverage) ratio | 17.9085% | 338 |
| Tier 1 risk-based capital ratio | 29.4499% | 564 |
| Total risk-based capital ratio | 30.7101% | 548 |
| Memoranda: | ||
| Average total assets | $34,205,330 | 6,982 |
| Average earning assets | $31,335,670 | 6,953 |
| Average equity | $5,772,330 | 6,298 |
| Average total loans | $21,825,670 | 6,691 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 5,877 |
| Cost of funding earning assets | 0.6440% | 6,405 |
| Net interest margin | 3.7000% | 4,102 |
| Noninterest income to average assets | 0.2303% | 6,074 |
| Noninterest expense to average assets | 2.9480% | 3,865 |
| Loan and lease loss provision to assets | 0.0345% | 5,544 |
| Net operating income to assets | 0.3455% | 5,195 |
| Return on assets (ROA) | 0.3455% | 5,278 |
| Pretax return on assets | 0.6218% | 4,597 |
| Return on Equity (ROE) | 2.0873% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.0873% | 4,888 |
| Net charge-offs to loans | -0.0180% | 6,537 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7891% | 2,259 |
| Assets per employee ($millions) | 2.6333% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 2,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 6,838 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 63.8069% | 3,469 |
| Net loans and leases to deposits | 77.0694% | 3,238 |
| Net loans and leases to core deposits | 78.5324% | 3,946 |
| Total domestic deposits to total assets | 82.7915% | 4,999 |
| Equity capital to assets | 16.8376% | 461 |
| Core capital (leverage) ratio | 16.8277% | 406 |
| Tier 1 risk-based capital ratio | 27.5223% | 666 |
| Total risk-based capital ratio | 28.7829% | 648 |
| Memoranda: | ||
| Average total assets | $34,735,500 | 7,019 |
| Average earning assets | $31,676,000 | 6,997 |
| Average equity | $5,749,000 | 6,323 |
| Average total loans | $22,174,000 | 6,729 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 5,568 |
| Cost of funding earning assets | 0.7938% | 6,593 |
| Net interest margin | 3.9690% | 3,159 |
| Noninterest income to average assets | 0.2167% | 6,259 |
| Noninterest expense to average assets | 2.9929% | 3,873 |
| Loan and lease loss provision to assets | 0.0594% | 6,548 |
| Net operating income to assets | 0.5790% | 3,762 |
| Return on assets (ROA) | 0.5790% | 3,920 |
| Pretax return on assets | 0.8017% | 3,627 |
| Return on Equity (ROE) | 3.4556% | 4,770 |
| Retained earnings to average equity (ytd only) | 3.1189% | 3,676 |
| Net charge-offs to loans | -0.0183% | 7,360 |
| Credit loss provision to net charge-offs | -500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6579% | 2,767 |
| Assets per employee ($millions) | 2.7106% | 6,666 |
| Cash dividends to net income (ytd only)* | 9.7436% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 2,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 6,921 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 61.5500% | 4,385 |
| Net loans and leases to deposits | 73.7596% | 4,234 |
| Net loans and leases to core deposits | 75.1082% | 4,839 |
| Total domestic deposits to total assets | 83.4468% | 4,630 |
| Equity capital to assets | 16.2722% | 547 |
| Core capital (leverage) ratio | 17.6127% | 354 |
| Tier 1 risk-based capital ratio | 27.4986% | 647 |
| Total risk-based capital ratio | 28.7550% | 632 |
| Memoranda: | ||
| Average total assets | $33,679,600 | 7,092 |
| Average earning assets | $30,864,000 | 7,059 |
| Average equity | $5,643,000 | 6,470 |
| Average total loans | $21,872,200 | 6,832 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 5,593 |
| Cost of funding earning assets | 0.8368% | 6,626 |
| Net interest margin | 3.9791% | 3,192 |
| Noninterest income to average assets | 0.2243% | 6,298 |
| Noninterest expense to average assets | 2.9518% | 3,917 |
| Loan and lease loss provision to assets | 0.0681% | 6,392 |
| Net operating income to assets | 0.4566% | 4,509 |
| Return on assets (ROA) | 0.4566% | 4,695 |
| Pretax return on assets | 0.8611% | 3,699 |
| Return on Equity (ROE) | 2.7045% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.7045% | 4,533 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0578% | 2,941 |
| Assets per employee ($millions) | 2.4049% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 2,652 |
| Loan loss allowance to noncurrent loans | 1,246.8750% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 6,749 |
| Noncurrent loans to loans | 0.1478% | 6,879 |
| Net loans and leases to total assets | 67.9536% | 3,227 |
| Net loans and leases to deposits | 83.6384% | 2,766 |
| Net loans and leases to core deposits | 85.3933% | 3,749 |
| Total domestic deposits to total assets | 81.2468% | 5,287 |
| Equity capital to assets | 18.1423% | 402 |
| Core capital (leverage) ratio | 17.5555% | 381 |
| Tier 1 risk-based capital ratio | 29.3582% | 550 |
| Total risk-based capital ratio | 30.6159% | 537 |
| Memoranda: | ||
| Average total assets | $33,290,000 | 7,195 |
| Average earning assets | $30,592,500 | 7,151 |
| Average equity | $5,620,250 | 6,562 |
| Average total loans | $21,816,500 | 6,920 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 6,051 |
| Cost of funding earning assets | 0.8520% | 6,749 |
| Net interest margin | 3.8755% | 3,558 |
| Noninterest income to average assets | 0.2120% | 6,404 |
| Noninterest expense to average assets | 2.7675% | 4,630 |
| Loan and lease loss provision to assets | 0.0824% | 6,107 |
| Net operating income to assets | 0.5241% | 4,224 |
| Return on assets (ROA) | 0.5241% | 4,379 |
| Pretax return on assets | 0.9245% | 3,406 |
| Return on Equity (ROE) | 3.1769% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.1769% | 4,089 |
| Net charge-offs to loans | -0.0183% | 7,271 |
| Credit loss provision to net charge-offs | -700.0000% | 6,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3229% | 3,593 |
| Assets per employee ($millions) | 2.5675% | 7,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 2,552 |
| Loan loss allowance to noncurrent loans | 5,685.7143% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 6,995 |
| Noncurrent loans to loans | 0.0326% | 7,241 |
| Net loans and leases to total assets | 63.1404% | 4,435 |
| Net loans and leases to deposits | 76.4695% | 4,245 |
| Net loans and leases to core deposits | 77.9459% | 4,962 |
| Total domestic deposits to total assets | 82.5694% | 4,759 |
| Equity capital to assets | 16.9183% | 537 |
| Core capital (leverage) ratio | 17.0816% | 431 |
| Tier 1 risk-based capital ratio | 29.0379% | 569 |
| Total risk-based capital ratio | 30.2977% | 557 |
| Memoranda: | ||
| Average total assets | $33,965,330 | 7,215 |
| Average earning assets | $31,221,670 | 7,183 |
| Average equity | $5,603,000 | 6,584 |
| Average total loans | $21,874,000 | 6,968 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 6,294 |
| Cost of funding earning assets | 0.8786% | 6,847 |
| Net interest margin | 3.8072% | 3,770 |
| Noninterest income to average assets | 0.2218% | 6,379 |
| Noninterest expense to average assets | 2.6387% | 5,192 |
| Loan and lease loss provision to assets | 0.1284% | 5,287 |
| Net operating income to assets | 0.5371% | 4,199 |
| Return on assets (ROA) | 0.5371% | 4,337 |
| Pretax return on assets | 0.9457% | 3,284 |
| Return on Equity (ROE) | 3.2969% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.2969% | 4,167 |
| Net charge-offs to loans | -0.0181% | 7,051 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0692% | 4,108 |
| Assets per employee ($millions) | 2.5457% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 7,142 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.6734% | 4,179 |
| Net loans and leases to deposits | 78.3103% | 3,977 |
| Net loans and leases to core deposits | 79.8143% | 4,784 |
| Total domestic deposits to total assets | 82.5860% | 4,809 |
| Equity capital to assets | 16.9336% | 540 |
| Core capital (leverage) ratio | 16.4278% | 517 |
| Tier 1 risk-based capital ratio | 28.4684% | 604 |
| Total risk-based capital ratio | 29.7282% | 593 |
| Memoranda: | ||
| Average total assets | $34,259,000 | 7,292 |
| Average earning assets | $31,414,000 | 7,269 |
| Average equity | $5,581,000 | 6,650 |
| Average total loans | $22,074,500 | 7,045 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2135% | 5,588 |
| Cost of funding earning assets | 0.9619% | 7,283 |
| Net interest margin | 4.2516% | 1,887 |
| Noninterest income to average assets | 0.2085% | 6,612 |
| Noninterest expense to average assets | 3.0159% | 4,090 |
| Loan and lease loss provision to assets | 0.0907% | 6,699 |
| Net operating income to assets | 0.7374% | 2,781 |
| Return on assets (ROA) | 0.7374% | 2,866 |
| Pretax return on assets | 1.0154% | 2,540 |
| Return on Equity (ROE) | 4.4612% | 3,903 |
| Retained earnings to average equity (ytd only) | 4.0224% | 2,399 |
| Net charge-offs to loans | 0.0484% | 6,614 |
| Credit loss provision to net charge-offs | 272.7273% | 1,264 |
| Earnings coverage of net charge-offs (x) | 33.2727% | 700 |
| Efficiency ratio | 73.1672% | 4,062 |
| Assets per employee ($millions) | 2.7249% | 6,806 |
| Cash dividends to net income (ytd only)* | 9.8361% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 2,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 7,162 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 62.0201% | 4,988 |
| Net loans and leases to deposits | 73.8761% | 5,056 |
| Net loans and leases to core deposits | 84.8525% | 5,635 |
| Total domestic deposits to total assets | 83.9516% | 4,048 |
| Equity capital to assets | 15.6899% | 748 |
| Core capital (leverage) ratio | 16.6982% | 526 |
| Tier 1 risk-based capital ratio | 27.0016% | 703 |
| Total risk-based capital ratio | 28.2598% | 687 |
| Memoranda: | ||
| Average total assets | $33,091,200 | 7,360 |
| Average earning assets | $30,459,400 | 7,340 |
| Average equity | $5,469,400 | 6,781 |
| Average total loans | $22,741,600 | 7,043 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3233% | 5,308 |
| Cost of funding earning assets | 0.9812% | 7,427 |
| Net interest margin | 4.3421% | 1,611 |
| Noninterest income to average assets | 0.2174% | 6,676 |
| Noninterest expense to average assets | 2.9695% | 4,165 |
| Loan and lease loss provision to assets | 0.0451% | 6,918 |
| Net operating income to assets | 0.7670% | 2,953 |
| Return on assets (ROA) | 0.7670% | 3,013 |
| Pretax return on assets | 1.2140% | 2,221 |
| Return on Equity (ROE) | 4.5772% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.5772% | 2,718 |
| Net charge-offs to loans | 0.0233% | 6,563 |
| Credit loss provision to net charge-offs | 275.0000% | 1,542 |
| Earnings coverage of net charge-offs (x) | 76.7955% | 443 |
| Efficiency ratio | 70.2231% | 4,547 |
| Assets per employee ($millions) | 2.4819% | 7,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,001 |
| Loan loss allowance to noncurrent loans | 1,541.6667% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,983 |
| Noncurrent loans to loans | 0.1036% | 7,220 |
| Net loans and leases to total assets | 70.6276% | 3,356 |
| Net loans and leases to deposits | 85.9276% | 3,329 |
| Net loans and leases to core deposits | 98.1691% | 4,582 |
| Total domestic deposits to total assets | 82.1943% | 4,589 |
| Equity capital to assets | 17.1238% | 617 |
| Core capital (leverage) ratio | 17.1861% | 526 |
| Tier 1 risk-based capital ratio | 27.0224% | 748 |
| Total risk-based capital ratio | 28.2794% | 728 |
| Memoranda: | ||
| Average total assets | $32,508,000 | 7,444 |
| Average earning assets | $30,030,750 | 7,414 |
| Average equity | $5,447,250 | 6,860 |
| Average total loans | $22,839,000 | 7,100 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 5,570 |
| Cost of funding earning assets | 1.0025% | 7,550 |
| Net interest margin | 4.3156% | 1,610 |
| Noninterest income to average assets | 0.2148% | 6,763 |
| Noninterest expense to average assets | 2.7862% | 5,019 |
| Loan and lease loss provision to assets | 0.0307% | 6,937 |
| Net operating income to assets | 0.9390% | 2,315 |
| Return on assets (ROA) | 0.9390% | 2,408 |
| Pretax return on assets | 1.3870% | 1,763 |
| Return on Equity (ROE) | 5.6444% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.6444% | 2,183 |
| Net charge-offs to loans | -0.1144% | 7,968 |
| Credit loss provision to net charge-offs | -38.4615% | 6,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2774% | 5,504 |
| Assets per employee ($millions) | 2.6756% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 2,518 |
| Loan loss allowance to noncurrent loans | 494.8052% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 6,891 |
| Noncurrent loans to loans | 0.3338% | 6,676 |
| Net loans and leases to total assets | 70.6606% | 3,539 |
| Net loans and leases to deposits | 85.8641% | 3,573 |
| Net loans and leases to core deposits | 94.8651% | 5,020 |
| Total domestic deposits to total assets | 82.2936% | 4,573 |
| Equity capital to assets | 17.1022% | 649 |
| Core capital (leverage) ratio | 16.9869% | 616 |
| Tier 1 risk-based capital ratio | 26.6553% | 803 |
| Total risk-based capital ratio | 27.9126% | 781 |
| Memoranda: | ||
| Average total assets | $32,589,000 | 7,505 |
| Average earning assets | $30,123,330 | 7,478 |
| Average equity | $5,421,330 | 6,921 |
| Average total loans | $22,732,670 | 7,163 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 5,888 |
| Cost of funding earning assets | 1.0443% | 7,606 |
| Net interest margin | 4.2565% | 1,723 |
| Noninterest income to average assets | 0.2193% | 6,721 |
| Noninterest expense to average assets | 2.4855% | 5,891 |
| Loan and lease loss provision to assets | 0.0244% | 6,606 |
| Net operating income to assets | 1.1818% | 1,707 |
| Return on assets (ROA) | 1.1818% | 1,816 |
| Pretax return on assets | 1.6327% | 1,327 |
| Return on Equity (ROE) | 7.2032% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.2032% | 2,130 |
| Net charge-offs to loans | 0.1241% | 3,974 |
| Credit loss provision to net charge-offs | 28.5714% | 4,966 |
| Earnings coverage of net charge-offs (x) | 19.4286% | 1,422 |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 2.4840% | 7,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 2,522 |
| Loan loss allowance to noncurrent loans | 577.4194% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 6,959 |
| Noncurrent loans to loans | 0.2770% | 6,748 |
| Net loans and leases to total assets | 68.2027% | 4,085 |
| Net loans and leases to deposits | 82.4036% | 4,221 |
| Net loans and leases to core deposits | 91.6788% | 5,379 |
| Total domestic deposits to total assets | 82.7666% | 4,263 |
| Equity capital to assets | 16.8308% | 745 |
| Core capital (leverage) ratio | 16.5509% | 708 |
| Tier 1 risk-based capital ratio | 26.8860% | 826 |
| Total risk-based capital ratio | 28.1425% | 806 |
| Memoranda: | ||
| Average total assets | $32,830,000 | 7,536 |
| Average earning assets | $30,259,500 | 7,504 |
| Average equity | $5,386,500 | 6,976 |
| Average total loans | $22,565,000 | 7,211 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9621% | 5,746 |
| Cost of funding earning assets | 1.5298% | 7,559 |
| Net interest margin | 4.4323% | 1,588 |
| Noninterest income to average assets | 0.2254% | 6,828 |
| Noninterest expense to average assets | 3.2453% | 3,167 |
| Loan and lease loss provision to assets | 0.0371% | 6,943 |
| Net operating income to assets | 0.6701% | 4,024 |
| Return on assets (ROA) | 0.6701% | 3,868 |
| Pretax return on assets | 1.0406% | 3,236 |
| Return on Equity (ROE) | 4.1414% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.6833% | 2,858 |
| Net charge-offs to loans | 0.0370% | 6,286 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 43.6250% | 843 |
| Efficiency ratio | 75.0714% | 3,389 |
| Assets per employee ($millions) | 2.5668% | 7,070 |
| Cash dividends to net income (ytd only)* | 11.0599% | 4,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 2,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.0852% | 4,623 |
| Net loans and leases to deposits | 80.2100% | 5,007 |
| Net loans and leases to core deposits | 87.5714% | 6,010 |
| Total domestic deposits to total assets | 83.6370% | 3,511 |
| Equity capital to assets | 15.9974% | 932 |
| Core capital (leverage) ratio | 16.8726% | 712 |
| Tier 1 risk-based capital ratio | 26.5546% | 860 |
| Total risk-based capital ratio | 27.8132% | 840 |
| Memoranda: | ||
| Average total assets | $32,385,400 | 7,542 |
| Average earning assets | $29,939,200 | 7,512 |
| Average equity | $5,239,800 | 7,070 |
| Average total loans | $21,619,400 | 7,218 |