Home > State Bank of New Prague > Performance and Condition Ratios
State Bank of New Prague, Performance and Condition Ratios
| 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 | 3.5838% | 4,599 |
| Cost of funding earning assets | 0.1433% | 5,355 |
| Net interest margin | 3.4405% | 3,708 |
| Noninterest income to average assets | 0.8190% | 1,517 |
| Noninterest expense to average assets | 2.5157% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4843% | 926 |
| Return on assets (ROA) | 1.5571% | 811 |
| Pretax return on assets | 1.5594% | 1,547 |
| Return on Equity (ROE) | 12.1601% | 1,291 |
| Retained earnings to average equity (ytd only) | -1.1454% | 5,365 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8555% | 3,741 |
| Assets per employee ($millions) | 6.1965% | 1,381 |
| Cash dividends to net income (ytd only)* | 109.4196% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 35.2618% | 5,375 |
| Net loans and leases to deposits | 41.1789% | 5,379 |
| Net loans and leases to core deposits | 45.8926% | 5,314 |
| Total domestic deposits to total assets | 85.6308% | 2,468 |
| Equity capital to assets | 13.0217% | 1,381 |
| Core capital (leverage) ratio | 11.6639% | 1,912 |
| Tier 1 risk-based capital ratio | 22.7507% | 970 |
| Total risk-based capital ratio | 24.0020% | 954 |
| Memoranda: | ||
| Average total assets | $113,630,500 | 4,042 |
| Average earning assets | $105,138,500 | 4,048 |
| Average equity | $14,550,000 | 3,814 |
| Average total loans | $40,488,000 | 4,759 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 4,482 |
| Cost of funding earning assets | 0.1439% | 5,374 |
| Net interest margin | 3.4679% | 3,517 |
| Noninterest income to average assets | 0.7855% | 1,622 |
| Noninterest expense to average assets | 2.5016% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4852% | 896 |
| Return on assets (ROA) | 1.5884% | 744 |
| Pretax return on assets | 1.5919% | 1,371 |
| Return on Equity (ROE) | 12.4737% | 1,169 |
| Retained earnings to average equity (ytd only) | -0.3984% | 5,146 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6918% | 3,865 |
| Assets per employee ($millions) | 6.1765% | 1,335 |
| Cash dividends to net income (ytd only)* | 103.1938% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 33.6157% | 5,458 |
| Net loans and leases to deposits | 39.0399% | 5,479 |
| Net loans and leases to core deposits | 43.2375% | 5,411 |
| Total domestic deposits to total assets | 86.1060% | 2,332 |
| Equity capital to assets | 12.6550% | 1,543 |
| Core capital (leverage) ratio | 11.7116% | 1,821 |
| Tier 1 risk-based capital ratio | 22.7849% | 968 |
| Total risk-based capital ratio | 24.0359% | 951 |
| Memoranda: | ||
| Average total assets | $114,328,330 | 4,054 |
| Average earning assets | $105,654,330 | 4,057 |
| Average equity | $14,558,670 | 3,816 |
| Average total loans | $40,616,330 | 4,785 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 3,909 |
| Cost of funding earning assets | 0.1460% | 5,403 |
| Net interest margin | 3.6114% | 2,847 |
| Noninterest income to average assets | 0.7056% | 1,940 |
| Noninterest expense to average assets | 2.5883% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4431% | 905 |
| Return on assets (ROA) | 1.6416% | 638 |
| Pretax return on assets | 1.6487% | 1,130 |
| Return on Equity (ROE) | 12.8500% | 1,028 |
| Retained earnings to average equity (ytd only) | -0.1110% | 4,937 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0913% | 3,814 |
| Assets per employee ($millions) | 6.2900% | 1,304 |
| Cash dividends to net income (ytd only)* | 100.8639% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 34.8984% | 5,445 |
| Net loans and leases to deposits | 40.6063% | 5,452 |
| Net loans and leases to core deposits | 45.1592% | 5,385 |
| Total domestic deposits to total assets | 85.9433% | 2,695 |
| Equity capital to assets | 12.7822% | 1,362 |
| Core capital (leverage) ratio | 11.9557% | 1,660 |
| Tier 1 risk-based capital ratio | 22.6144% | 1,022 |
| Total risk-based capital ratio | 23.8656% | 996 |
| Memoranda: | ||
| Average total assets | $112,816,000 | 4,116 |
| Average earning assets | $104,114,500 | 4,123 |
| Average equity | $14,412,500 | 3,860 |
| Average total loans | $40,813,500 | 4,822 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 3,803 |
| Cost of funding earning assets | 0.1523% | 5,408 |
| Net interest margin | 3.6787% | 2,779 |
| Noninterest income to average assets | 0.8908% | 1,441 |
| Noninterest expense to average assets | 2.5347% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7454% | 493 |
| Return on assets (ROA) | 1.7745% | 487 |
| Pretax return on assets | 1.7763% | 849 |
| Return on Equity (ROE) | 12.8899% | 1,018 |
| Retained earnings to average equity (ytd only) | 0.8529% | 4,981 |
| Net charge-offs to loans | -0.0175% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1959% | 4,698 |
| Assets per employee ($millions) | 5.6206% | 1,768 |
| Cash dividends to net income (ytd only)* | 93.3831% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 848 |
| Loan loss allowance to noncurrent loans | 318.1070% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 4,448 |
| Noncurrent loans to loans | 0.5878% | 3,086 |
| Net loans and leases to total assets | 36.0896% | 5,483 |
| Net loans and leases to deposits | 42.0496% | 5,490 |
| Net loans and leases to core deposits | 46.8080% | 5,408 |
| Total domestic deposits to total assets | 85.8262% | 2,666 |
| Equity capital to assets | 12.7682% | 1,363 |
| Core capital (leverage) ratio | 12.0533% | 1,565 |
| Tier 1 risk-based capital ratio | 22.1303% | 1,060 |
| Total risk-based capital ratio | 23.3812% | 1,034 |
| Memoranda: | ||
| Average total assets | $113,269,600 | 4,107 |
| Average earning assets | $104,412,000 | 4,109 |
| Average equity | $15,593,600 | 3,744 |
| Average total loans | $39,901,800 | 4,886 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 4,002 |
| Cost of funding earning assets | 0.1530% | 5,469 |
| Net interest margin | 3.6214% | 3,001 |
| Noninterest income to average assets | 0.9352% | 1,294 |
| Noninterest expense to average assets | 2.4755% | 4,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7952% | 497 |
| Return on assets (ROA) | 1.8234% | 492 |
| Pretax return on assets | 1.8258% | 850 |
| Return on Equity (ROE) | 13.0113% | 1,056 |
| Retained earnings to average equity (ytd only) | 1.1821% | 5,037 |
| Net charge-offs to loans | -0.0270% | 5,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9324% | 4,823 |
| Assets per employee ($millions) | 5.8797% | 1,527 |
| Cash dividends to net income (ytd only)* | 90.9152% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 933 |
| Loan loss allowance to noncurrent loans | 309.6000% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 4,544 |
| Noncurrent loans to loans | 0.5959% | 3,222 |
| Net loans and leases to total assets | 36.8617% | 5,515 |
| Net loans and leases to deposits | 43.6918% | 5,523 |
| Net loans and leases to core deposits | 48.7666% | 5,426 |
| Total domestic deposits to total assets | 84.3674% | 3,076 |
| Equity capital to assets | 14.2855% | 934 |
| Core capital (leverage) ratio | 12.0949% | 1,610 |
| Tier 1 risk-based capital ratio | 21.2208% | 1,231 |
| Total risk-based capital ratio | 22.4611% | 1,210 |
| Memoranda: | ||
| Average total assets | $113,484,000 | 4,133 |
| Average earning assets | $104,599,000 | 4,130 |
| Average equity | $15,903,750 | 3,734 |
| Average total loans | $39,541,750 | 4,939 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 4,153 |
| Cost of funding earning assets | 0.1541% | 5,519 |
| Net interest margin | 3.5872% | 3,149 |
| Noninterest income to average assets | 0.9012% | 1,372 |
| Noninterest expense to average assets | 2.4528% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7515% | 522 |
| Return on assets (ROA) | 1.7848% | 512 |
| Pretax return on assets | 1.7883% | 907 |
| Return on Equity (ROE) | 12.8169% | 1,076 |
| Retained earnings to average equity (ytd only) | 0.9946% | 4,991 |
| Net charge-offs to loans | -0.0465% | 5,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2917% | 4,864 |
| Assets per employee ($millions) | 6.4899% | 1,089 |
| Cash dividends to net income (ytd only)* | 92.2397% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 746 |
| Loan loss allowance to noncurrent loans | 305.1181% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 4,626 |
| Noncurrent loans to loans | 0.6537% | 3,116 |
| Net loans and leases to total assets | 32.5960% | 5,725 |
| Net loans and leases to deposits | 38.4354% | 5,737 |
| Net loans and leases to core deposits | 42.6587% | 5,659 |
| Total domestic deposits to total assets | 84.8071% | 2,961 |
| Equity capital to assets | 13.9602% | 1,038 |
| Core capital (leverage) ratio | 12.0045% | 1,623 |
| Tier 1 risk-based capital ratio | 22.3433% | 1,098 |
| Total risk-based capital ratio | 23.5944% | 1,082 |
| Memoranda: | ||
| Average total assets | $114,073,670 | 4,156 |
| Average earning assets | $105,152,000 | 4,147 |
| Average equity | $15,885,330 | 3,750 |
| Average total loans | $38,737,670 | 5,015 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 3,667 |
| Cost of funding earning assets | 0.1542% | 5,579 |
| Net interest margin | 3.7241% | 2,577 |
| Noninterest income to average assets | 0.8163% | 1,571 |
| Noninterest expense to average assets | 2.4986% | 4,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7462% | 518 |
| Return on assets (ROA) | 1.7675% | 526 |
| Pretax return on assets | 1.7675% | 903 |
| Return on Equity (ROE) | 12.7089% | 1,103 |
| Retained earnings to average equity (ytd only) | 0.5104% | 4,990 |
| Net charge-offs to loans | -0.0931% | 5,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8629% | 4,891 |
| Assets per employee ($millions) | 6.1942% | 1,278 |
| Cash dividends to net income (ytd only)* | 95.9839% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 834 |
| Loan loss allowance to noncurrent loans | 302.7344% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 4,639 |
| Noncurrent loans to loans | 0.6568% | 3,198 |
| Net loans and leases to total assets | 34.2643% | 5,706 |
| Net loans and leases to deposits | 40.5414% | 5,695 |
| Net loans and leases to core deposits | 45.2514% | 5,618 |
| Total domestic deposits to total assets | 84.5168% | 3,310 |
| Equity capital to assets | 14.2491% | 898 |
| Core capital (leverage) ratio | 11.9813% | 1,616 |
| Tier 1 risk-based capital ratio | 22.1129% | 1,146 |
| Total risk-based capital ratio | 23.3634% | 1,126 |
| Memoranda: | ||
| Average total assets | $112,701,500 | 4,209 |
| Average earning assets | $103,757,500 | 4,218 |
| Average equity | $15,674,000 | 3,782 |
| Average total loans | $38,680,000 | 5,058 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 4,002 |
| Cost of funding earning assets | 0.1694% | 5,542 |
| Net interest margin | 3.6448% | 2,962 |
| Noninterest income to average assets | 0.7747% | 1,880 |
| Noninterest expense to average assets | 2.5577% | 4,047 |
| Loan and lease loss provision to assets | 0.0456% | 3,413 |
| Net operating income to assets | 1.5182% | 832 |
| Return on assets (ROA) | 1.6398% | 665 |
| Pretax return on assets | 1.6416% | 1,133 |
| Return on Equity (ROE) | 11.4935% | 1,438 |
| Retained earnings to average equity (ytd only) | -3.9440% | 5,871 |
| Net charge-offs to loans | 0.0226% | 3,809 |
| Credit loss provision to net charge-offs | 566.6667% | 590 |
| Earnings coverage of net charge-offs (x) | 194.4444% | 344 |
| Efficiency ratio | 62.0308% | 4,596 |
| Assets per employee ($millions) | 5.9952% | 1,392 |
| Cash dividends to net income (ytd only)* | 134.3153% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 811 |
| Loan loss allowance to noncurrent loans | 293.4866% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 4,678 |
| Noncurrent loans to loans | 0.6800% | 3,163 |
| Net loans and leases to total assets | 33.0231% | 5,807 |
| Net loans and leases to deposits | 38.7778% | 5,812 |
| Net loans and leases to core deposits | 43.1381% | 5,736 |
| Total domestic deposits to total assets | 85.1600% | 3,015 |
| Equity capital to assets | 13.5732% | 1,102 |
| Core capital (leverage) ratio | 11.8324% | 1,734 |
| Tier 1 risk-based capital ratio | 22.2041% | 1,120 |
| Total risk-based capital ratio | 23.4548% | 1,095 |
| Memoranda: | ||
| Average total assets | $111,780,000 | 4,230 |
| Average earning assets | $102,694,000 | 4,217 |
| Average equity | $15,948,200 | 3,683 |
| Average total loans | $39,803,200 | 5,024 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,911 |
| Cost of funding earning assets | 0.1736% | 5,598 |
| Net interest margin | 3.6831% | 2,836 |
| Noninterest income to average assets | 0.8066% | 1,782 |
| Noninterest expense to average assets | 2.5276% | 4,110 |
| Loan and lease loss provision to assets | 0.0611% | 2,957 |
| Net operating income to assets | 1.5976% | 774 |
| Return on assets (ROA) | 1.7474% | 592 |
| Pretax return on assets | 1.7498% | 994 |
| Return on Equity (ROE) | 12.0968% | 1,347 |
| Retained earnings to average equity (ytd only) | -5.3930% | 6,033 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3433% | 4,839 |
| Assets per employee ($millions) | 5.7205% | 1,577 |
| Cash dividends to net income (ytd only)* | 144.5819% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 35.1029% | 5,814 |
| Net loans and leases to deposits | 41.6504% | 5,813 |
| Net loans and leases to core deposits | 46.6429% | 5,708 |
| Total domestic deposits to total assets | 84.2799% | 3,311 |
| Equity capital to assets | 14.4191% | 880 |
| Core capital (leverage) ratio | 12.1771% | 1,579 |
| Tier 1 risk-based capital ratio | 22.1598% | 1,172 |
| Total risk-based capital ratio | 23.4101% | 1,151 |
| Memoranda: | ||
| Average total assets | $111,248,000 | 4,282 |
| Average earning assets | $102,157,750 | 4,280 |
| Average equity | $16,070,000 | 3,697 |
| Average total loans | $40,158,500 | 5,056 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,860 |
| Cost of funding earning assets | 0.1747% | 5,654 |
| Net interest margin | 3.6765% | 2,809 |
| Noninterest income to average assets | 0.8153% | 1,717 |
| Noninterest expense to average assets | 2.4674% | 4,341 |
| Loan and lease loss provision to assets | 0.0910% | 2,301 |
| Net operating income to assets | 1.6325% | 705 |
| Return on assets (ROA) | 1.8519% | 486 |
| Pretax return on assets | 1.8555% | 811 |
| Return on Equity (ROE) | 12.8127% | 1,153 |
| Retained earnings to average equity (ytd only) | -6.4434% | 6,070 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8260% | 5,132 |
| Assets per employee ($millions) | 6.1524% | 1,243 |
| Cash dividends to net income (ytd only)* | 150.2890% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 1,038 |
| Loan loss allowance to noncurrent loans | 230.6548% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 4,670 |
| Noncurrent loans to loans | 0.8523% | 2,997 |
| Net loans and leases to total assets | 34.9003% | 5,866 |
| Net loans and leases to deposits | 41.1718% | 5,867 |
| Net loans and leases to core deposits | 45.9736% | 5,766 |
| Total domestic deposits to total assets | 84.7676% | 3,228 |
| Equity capital to assets | 14.0342% | 973 |
| Core capital (leverage) ratio | 12.2246% | 1,525 |
| Tier 1 risk-based capital ratio | 22.2213% | 1,170 |
| Total risk-based capital ratio | 23.4712% | 1,155 |
| Memoranda: | ||
| Average total assets | $112,101,000 | 4,294 |
| Average earning assets | $103,032,000 | 4,297 |
| Average equity | $16,202,670 | 3,694 |
| Average total loans | $40,568,670 | 5,085 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 3,750 |
| Cost of funding earning assets | 0.1776% | 5,698 |
| Net interest margin | 3.6915% | 2,653 |
| Noninterest income to average assets | 0.7980% | 1,713 |
| Noninterest expense to average assets | 2.4153% | 4,550 |
| Loan and lease loss provision to assets | 0.0887% | 2,214 |
| Net operating income to assets | 1.6776% | 621 |
| Return on assets (ROA) | 1.9791% | 370 |
| Pretax return on assets | 1.9862% | 604 |
| Return on Equity (ROE) | 13.5003% | 984 |
| Retained earnings to average equity (ytd only) | -10.0889% | 6,138 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6630% | 5,374 |
| Assets per employee ($millions) | 6.2761% | 1,204 |
| Cash dividends to net income (ytd only)* | 174.7312% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 1,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.8514% | 5,834 |
| Net loans and leases to deposits | 42.5766% | 5,810 |
| Net loans and leases to core deposits | 47.5637% | 5,685 |
| Total domestic deposits to total assets | 84.2045% | 3,737 |
| Equity capital to assets | 14.5668% | 814 |
| Core capital (leverage) ratio | 12.1091% | 1,570 |
| Tier 1 risk-based capital ratio | 21.9048% | 1,258 |
| Total risk-based capital ratio | 23.1388% | 1,237 |
| Memoranda: | ||
| Average total assets | $112,779,500 | 4,318 |
| Average earning assets | $103,589,500 | 4,315 |
| Average equity | $16,533,000 | 3,661 |
| Average total loans | $41,140,500 | 5,100 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 3,106 |
| Cost of funding earning assets | 0.2331% | 5,490 |
| Net interest margin | 3.9216% | 2,153 |
| Noninterest income to average assets | 0.8133% | 1,814 |
| Noninterest expense to average assets | 2.6705% | 3,977 |
| Loan and lease loss provision to assets | 0.0935% | 2,594 |
| Net operating income to assets | 1.6444% | 647 |
| Return on assets (ROA) | 1.6542% | 658 |
| Pretax return on assets | 1.6560% | 1,085 |
| Return on Equity (ROE) | 11.1997% | 1,657 |
| Retained earnings to average equity (ytd only) | -2.4486% | 6,052 |
| Net charge-offs to loans | 1.0451% | 278 |
| Credit loss provision to net charge-offs | 23.8095% | 3,925 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 3,655 |
| Efficiency ratio | 60.5534% | 5,137 |
| Assets per employee ($millions) | 5.9258% | 1,432 |
| Cash dividends to net income (ytd only)* | 121.8632% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 1,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 5,228 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 35.7998% | 5,963 |
| Net loans and leases to deposits | 42.6511% | 5,944 |
| Net loans and leases to core deposits | 47.6825% | 5,829 |
| Total domestic deposits to total assets | 83.9364% | 3,744 |
| Equity capital to assets | 14.7526% | 744 |
| Core capital (leverage) ratio | 12.4664% | 1,370 |
| Tier 1 risk-based capital ratio | 21.8942% | 1,240 |
| Total risk-based capital ratio | 23.0501% | 1,230 |
| Memoranda: | ||
| Average total assets | $112,261,800 | 4,336 |
| Average earning assets | $102,967,400 | 4,328 |
| Average equity | $16,580,800 | 3,594 |
| Average total loans | $42,198,200 | 5,095 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 2,863 |
| Cost of funding earning assets | 0.2398% | 5,515 |
| Net interest margin | 3.9956% | 1,892 |
| Noninterest income to average assets | 0.8415% | 1,739 |
| Noninterest expense to average assets | 2.6504% | 4,013 |
| Loan and lease loss provision to assets | 0.0713% | 2,919 |
| Net operating income to assets | 1.7816% | 527 |
| Return on assets (ROA) | 1.7472% | 582 |
| Pretax return on assets | 1.7495% | 979 |
| Return on Equity (ROE) | 11.8258% | 1,525 |
| Retained earnings to average equity (ytd only) | -0.9493% | 5,955 |
| Net charge-offs to loans | 1.4089% | 178 |
| Credit loss provision to net charge-offs | 13.3630% | 3,663 |
| Earnings coverage of net charge-offs (x) | 3.4766% | 3,655 |
| Efficiency ratio | 58.8235% | 5,332 |
| Assets per employee ($millions) | 5.6010% | 1,635 |
| Cash dividends to net income (ytd only)* | 108.0272% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 2,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 5,361 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 36.3420% | 6,019 |
| Net loans and leases to deposits | 43.5113% | 5,998 |
| Net loans and leases to core deposits | 48.8839% | 5,845 |
| Total domestic deposits to total assets | 83.5233% | 3,944 |
| Equity capital to assets | 15.1715% | 699 |
| Core capital (leverage) ratio | 12.9210% | 1,217 |
| Tier 1 risk-based capital ratio | 21.9467% | 1,265 |
| Total risk-based capital ratio | 22.9985% | 1,283 |
| Memoranda: | ||
| Average total assets | $112,179,750 | 4,376 |
| Average earning assets | $102,878,000 | 4,368 |
| Average equity | $16,573,500 | 3,608 |
| Average total loans | $42,490,000 | 5,142 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 2,645 |
| Cost of funding earning assets | 0.2448% | 5,535 |
| Net interest margin | 4.0379% | 1,695 |
| Noninterest income to average assets | 0.7502% | 2,043 |
| Noninterest expense to average assets | 2.6730% | 3,966 |
| Loan and lease loss provision to assets | 0.0267% | 3,740 |
| Net operating income to assets | 1.7499% | 537 |
| Return on assets (ROA) | 1.6965% | 606 |
| Pretax return on assets | 1.7000% | 1,022 |
| Return on Equity (ROE) | 11.5864% | 1,551 |
| Retained earnings to average equity (ytd only) | 0.4747% | 5,553 |
| Net charge-offs to loans | 2.0952% | 105 |
| Credit loss provision to net charge-offs | 3.3408% | 3,374 |
| Earnings coverage of net charge-offs (x) | 2.2249% | 3,600 |
| Efficiency ratio | 60.0240% | 5,294 |
| Assets per employee ($millions) | 5.4480% | 1,743 |
| Cash dividends to net income (ytd only)* | 95.9034% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 3,013 |
| Loan loss allowance to noncurrent loans | 273.3624% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 4,295 |
| Noncurrent loans to loans | 0.5394% | 4,392 |
| Net loans and leases to total assets | 36.5609% | 6,027 |
| Net loans and leases to deposits | 43.6761% | 6,003 |
| Net loans and leases to core deposits | 48.9297% | 5,852 |
| Total domestic deposits to total assets | 83.7093% | 4,031 |
| Equity capital to assets | 15.1544% | 667 |
| Core capital (leverage) ratio | 13.0166% | 1,149 |
| Tier 1 risk-based capital ratio | 21.6490% | 1,322 |
| Total risk-based capital ratio | 22.6062% | 1,350 |
| Memoranda: | ||
| Average total assets | $112,233,330 | 4,405 |
| Average earning assets | $102,924,000 | 4,391 |
| Average equity | $16,433,000 | 3,631 |
| Average total loans | $42,859,670 | 5,167 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 1,573 |
| Cost of funding earning assets | 0.2513% | 5,570 |
| Net interest margin | 4.3228% | 962 |
| Noninterest income to average assets | 0.6586% | 2,409 |
| Noninterest expense to average assets | 2.7747% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8462% | 444 |
| Return on assets (ROA) | 1.8498% | 464 |
| Pretax return on assets | 1.8498% | 727 |
| Return on Equity (ROE) | 12.8657% | 1,191 |
| Retained earnings to average equity (ytd only) | 1.2766% | 5,106 |
| Net charge-offs to loans | -1.1240% | 6,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0467% | 5,401 |
| Assets per employee ($millions) | 5.0493% | 2,193 |
| Cash dividends to net income (ytd only)* | 90.0778% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7592% | 579 |
| Loan loss allowance to noncurrent loans | 167.5177% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 3,555 |
| Noncurrent loans to loans | 1.6471% | 2,361 |
| Net loans and leases to total assets | 37.4677% | 5,983 |
| Net loans and leases to deposits | 44.4389% | 5,955 |
| Net loans and leases to core deposits | 49.9190% | 5,771 |
| Total domestic deposits to total assets | 84.3129% | 4,160 |
| Equity capital to assets | 14.5195% | 785 |
| Core capital (leverage) ratio | 12.2169% | 1,525 |
| Tier 1 risk-based capital ratio | 20.2828% | 1,652 |
| Total risk-based capital ratio | 21.5391% | 1,615 |
| Memoranda: | ||
| Average total assets | $111,145,500 | 4,463 |
| Average earning assets | $101,878,500 | 4,455 |
| Average equity | $15,980,500 | 3,702 |
| Average total loans | $43,062,000 | 5,205 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 3,162 |
| Cost of funding earning assets | 0.3021% | 5,578 |
| Net interest margin | 3.9445% | 2,123 |
| Noninterest income to average assets | 0.8219% | 1,974 |
| Noninterest expense to average assets | 2.7455% | 3,925 |
| Loan and lease loss provision to assets | 0.0586% | 3,968 |
| Net operating income to assets | 1.6242% | 657 |
| Return on assets (ROA) | 1.6926% | 597 |
| Pretax return on assets | 1.6944% | 967 |
| Return on Equity (ROE) | 11.1859% | 1,708 |
| Retained earnings to average equity (ytd only) | -2.8713% | 6,257 |
| Net charge-offs to loans | 0.4767% | 1,396 |
| Credit loss provision to net charge-offs | 31.8841% | 4,213 |
| Earnings coverage of net charge-offs (x) | 9.1594% | 2,548 |
| Efficiency ratio | 61.9735% | 5,219 |
| Assets per employee ($millions) | 5.2955% | 1,853 |
| Cash dividends to net income (ytd only)* | 125.6693% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4468% | 881 |
| Loan loss allowance to noncurrent loans | 121.0046% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 3,668 |
| Noncurrent loans to loans | 2.0221% | 1,965 |
| Net loans and leases to total assets | 38.0033% | 6,092 |
| Net loans and leases to deposits | 44.9749% | 6,074 |
| Net loans and leases to core deposits | 50.4989% | 5,902 |
| Total domestic deposits to total assets | 84.4990% | 3,962 |
| Equity capital to assets | 14.2366% | 844 |
| Core capital (leverage) ratio | 12.1060% | 1,532 |
| Tier 1 risk-based capital ratio | 20.2777% | 1,593 |
| Total risk-based capital ratio | 21.5323% | 1,558 |
| Memoranda: | ||
| Average total assets | $112,546,000 | 4,446 |
| Average earning assets | $102,954,600 | 4,440 |
| Average equity | $17,030,400 | 3,561 |
| Average total loans | $43,425,400 | 5,220 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 3,107 |
| Cost of funding earning assets | 0.3113% | 5,634 |
| Net interest margin | 3.9595% | 2,078 |
| Noninterest income to average assets | 0.9130% | 1,710 |
| Noninterest expense to average assets | 2.6989% | 4,024 |
| Loan and lease loss provision to assets | 0.0780% | 3,502 |
| Net operating income to assets | 1.7540% | 577 |
| Return on assets (ROA) | 1.8438% | 501 |
| Pretax return on assets | 1.8461% | 814 |
| Return on Equity (ROE) | 12.0097% | 1,471 |
| Retained earnings to average equity (ytd only) | -2.9697% | 6,350 |
| Net charge-offs to loans | 0.6413% | 954 |
| Credit loss provision to net charge-offs | 31.5789% | 3,864 |
| Earnings coverage of net charge-offs (x) | 7.4306% | 2,796 |
| Efficiency ratio | 59.5362% | 5,490 |
| Assets per employee ($millions) | 5.3657% | 1,773 |
| Cash dividends to net income (ytd only)* | 124.7281% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3687% | 1,081 |
| Loan loss allowance to noncurrent loans | 139.5778% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 3,839 |
| Noncurrent loans to loans | 1.6971% | 2,647 |
| Net loans and leases to total assets | 38.7002% | 6,125 |
| Net loans and leases to deposits | 45.9505% | 6,101 |
| Net loans and leases to core deposits | 51.7892% | 5,899 |
| Total domestic deposits to total assets | 84.2215% | 4,105 |
| Equity capital to assets | 14.5475% | 810 |
| Core capital (leverage) ratio | 12.2057% | 1,560 |
| Tier 1 risk-based capital ratio | 19.8775% | 1,760 |
| Total risk-based capital ratio | 21.1323% | 1,733 |
| Memoranda: | ||
| Average total assets | $112,881,000 | 4,490 |
| Average earning assets | $103,210,000 | 4,467 |
| Average equity | $17,330,000 | 3,557 |
| Average total loans | $43,451,250 | 5,263 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 3,099 |
| Cost of funding earning assets | 0.3178% | 5,688 |
| Net interest margin | 3.9470% | 2,056 |
| Noninterest income to average assets | 0.9385% | 1,693 |
| Noninterest expense to average assets | 2.6915% | 4,059 |
| Loan and lease loss provision to assets | 0.0885% | 3,307 |
| Net operating income to assets | 1.7619% | 555 |
| Return on assets (ROA) | 1.8964% | 460 |
| Pretax return on assets | 1.9000% | 750 |
| Return on Equity (ROE) | 12.1410% | 1,445 |
| Retained earnings to average equity (ytd only) | -4.8179% | 6,448 |
| Net charge-offs to loans | 0.9710% | 631 |
| Credit loss provision to net charge-offs | 23.9234% | 3,674 |
| Earnings coverage of net charge-offs (x) | 5.0096% | 2,983 |
| Efficiency ratio | 59.2131% | 5,581 |
| Assets per employee ($millions) | 5.4310% | 1,654 |
| Cash dividends to net income (ytd only)* | 139.6825% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4009% | 1,091 |
| Loan loss allowance to noncurrent loans | 130.9045% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 3,524 |
| Noncurrent loans to loans | 1.8341% | 2,589 |
| Net loans and leases to total assets | 37.1404% | 6,230 |
| Net loans and leases to deposits | 43.9714% | 6,229 |
| Net loans and leases to core deposits | 49.6106% | 6,041 |
| Total domestic deposits to total assets | 84.4648% | 4,138 |
| Equity capital to assets | 14.4400% | 836 |
| Core capital (leverage) ratio | 12.3941% | 1,412 |
| Tier 1 risk-based capital ratio | 20.1049% | 1,696 |
| Total risk-based capital ratio | 21.3594% | 1,664 |
| Memoranda: | ||
| Average total assets | $112,948,330 | 4,511 |
| Average earning assets | $103,218,000 | 4,490 |
| Average equity | $17,642,670 | 3,534 |
| Average total loans | $43,046,670 | 5,300 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 2,755 |
| Cost of funding earning assets | 0.3273% | 5,744 |
| Net interest margin | 4.0059% | 1,755 |
| Noninterest income to average assets | 1.0036% | 1,449 |
| Noninterest expense to average assets | 2.7367% | 3,926 |
| Loan and lease loss provision to assets | 0.1174% | 2,769 |
| Net operating income to assets | 1.8008% | 479 |
| Return on assets (ROA) | 2.0392% | 353 |
| Pretax return on assets | 2.0463% | 548 |
| Return on Equity (ROE) | 12.5730% | 1,276 |
| Retained earnings to average equity (ytd only) | -3.4669% | 6,231 |
| Net charge-offs to loans | 1.3903% | 396 |
| Credit loss provision to net charge-offs | 22.1477% | 3,007 |
| Earnings coverage of net charge-offs (x) | 3.6309% | 2,718 |
| Efficiency ratio | 58.7023% | 5,753 |
| Assets per employee ($millions) | 5.0095% | 2,199 |
| Cash dividends to net income (ytd only)* | 127.5742% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5171% | 1,092 |
| Loan loss allowance to noncurrent loans | 276.0814% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 4,439 |
| Noncurrent loans to loans | 0.9117% | 4,311 |
| Net loans and leases to total assets | 38.1279% | 6,142 |
| Net loans and leases to deposits | 46.3418% | 6,038 |
| Net loans and leases to core deposits | 52.7068% | 5,768 |
| Total domestic deposits to total assets | 82.2753% | 5,099 |
| Equity capital to assets | 16.3727% | 505 |
| Core capital (leverage) ratio | 12.4516% | 1,355 |
| Tier 1 risk-based capital ratio | 19.9888% | 1,776 |
| Total risk-based capital ratio | 21.2425% | 1,746 |
| Memoranda: | ||
| Average total assets | $112,397,000 | 4,567 |
| Average earning assets | $102,647,500 | 4,548 |
| Average equity | $18,229,500 | 3,495 |
| Average total loans | $42,869,500 | 5,346 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4224% | 3,723 |
| Cost of funding earning assets | 0.5022% | 5,204 |
| Net interest margin | 3.9202% | 2,742 |
| Noninterest income to average assets | 0.9485% | 1,708 |
| Noninterest expense to average assets | 2.5496% | 4,930 |
| Loan and lease loss provision to assets | 0.0956% | 4,466 |
| Net operating income to assets | 1.8771% | 449 |
| Return on assets (ROA) | 1.9028% | 477 |
| Pretax return on assets | 1.9045% | 751 |
| Return on Equity (ROE) | 12.3678% | 1,398 |
| Retained earnings to average equity (ytd only) | -2.2855% | 6,199 |
| Net charge-offs to loans | 1.0876% | 976 |
| Credit loss provision to net charge-offs | 23.9085% | 5,231 |
| Earnings coverage of net charge-offs (x) | 4.9376% | 3,199 |
| Efficiency ratio | 56.3580% | 6,022 |
| Assets per employee ($millions) | 5.2085% | 1,975 |
| Cash dividends to net income (ytd only)* | 118.4797% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8170% | 808 |
| Loan loss allowance to noncurrent loans | 37.5078% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 3.1435% | 1,487 |
| Noncurrent loans to loans | 7.5104% | 405 |
| Net loans and leases to total assets | 36.1589% | 6,423 |
| Net loans and leases to deposits | 43.6997% | 6,386 |
| Net loans and leases to core deposits | 49.2312% | 6,195 |
| Total domestic deposits to total assets | 82.7440% | 4,826 |
| Equity capital to assets | 16.0709% | 546 |
| Core capital (leverage) ratio | 12.1980% | 1,453 |
| Tier 1 risk-based capital ratio | 20.0249% | 1,672 |
| Total risk-based capital ratio | 21.2811% | 1,643 |
| Memoranda: | ||
| Average total assets | $120,293,400 | 4,354 |
| Average earning assets | $109,713,600 | 4,348 |
| Average equity | $18,507,800 | 3,404 |
| Average total loans | $44,224,000 | 5,318 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 3,664 |
| Cost of funding earning assets | 0.5480% | 5,102 |
| Net interest margin | 3.9456% | 2,723 |
| Noninterest income to average assets | 0.8862% | 1,882 |
| Noninterest expense to average assets | 2.5917% | 4,773 |
| Loan and lease loss provision to assets | 0.0164% | 5,600 |
| Net operating income to assets | 1.8720% | 490 |
| Return on assets (ROA) | 1.9060% | 519 |
| Pretax return on assets | 1.9082% | 855 |
| Return on Equity (ROE) | 12.5192% | 1,455 |
| Retained earnings to average equity (ytd only) | 0.8346% | 5,832 |
| Net charge-offs to loans | 0.8456% | 1,304 |
| Credit loss provision to net charge-offs | 5.3004% | 5,123 |
| Earnings coverage of net charge-offs (x) | 6.0990% | 2,852 |
| Efficiency ratio | 57.8201% | 5,814 |
| Assets per employee ($millions) | 5.6029% | 1,542 |
| Cash dividends to net income (ytd only)* | 93.3334% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0629% | 671 |
| Loan loss allowance to noncurrent loans | 51.1216% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.5633% | 2,058 |
| Noncurrent loans to loans | 5.9914% | 682 |
| Net loans and leases to total assets | 34.9411% | 6,615 |
| Net loans and leases to deposits | 42.3984% | 6,576 |
| Net loans and leases to core deposits | 47.6219% | 6,439 |
| Total domestic deposits to total assets | 82.4113% | 4,869 |
| Equity capital to assets | 16.3946% | 546 |
| Core capital (leverage) ratio | 12.3547% | 1,469 |
| Tier 1 risk-based capital ratio | 20.1998% | 1,708 |
| Total risk-based capital ratio | 21.4347% | 1,681 |
| Memoranda: | ||
| Average total assets | $121,720,250 | 4,360 |
| Average earning assets | $110,938,250 | 4,366 |
| Average equity | $18,531,000 | 3,432 |
| Average total loans | $44,621,500 | 5,367 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 3,780 |
| Cost of funding earning assets | 0.6053% | 4,858 |
| Net interest margin | 3.8915% | 2,946 |
| Noninterest income to average assets | 0.7751% | 2,314 |
| Noninterest expense to average assets | 2.5838% | 4,833 |
| Loan and lease loss provision to assets | 0.0244% | 5,363 |
| Net operating income to assets | 1.7161% | 651 |
| Return on assets (ROA) | 1.7161% | 731 |
| Pretax return on assets | 1.7193% | 1,211 |
| Return on Equity (ROE) | 11.5549% | 1,811 |
| Retained earnings to average equity (ytd only) | -0.6894% | 6,161 |
| Net charge-offs to loans | 0.2690% | 2,966 |
| Credit loss provision to net charge-offs | 24.5902% | 4,537 |
| Earnings coverage of net charge-offs (x) | 17.5902% | 1,521 |
| Efficiency ratio | 59.7071% | 5,625 |
| Assets per employee ($millions) | 5.8491% | 1,333 |
| Cash dividends to net income (ytd only)* | 105.9659% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4114% | 535 |
| Loan loss allowance to noncurrent loans | 82.0831% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.9718% | 2,812 |
| Noncurrent loans to loans | 4.1560% | 1,319 |
| Net loans and leases to total assets | 35.0601% | 6,661 |
| Net loans and leases to deposits | 42.6758% | 6,616 |
| Net loans and leases to core deposits | 48.2386% | 6,445 |
| Total domestic deposits to total assets | 82.1545% | 5,070 |
| Equity capital to assets | 15.1760% | 739 |
| Core capital (leverage) ratio | 12.0508% | 1,580 |
| Tier 1 risk-based capital ratio | 19.3493% | 1,888 |
| Total risk-based capital ratio | 20.6091% | 1,854 |
| Memoranda: | ||
| Average total assets | $123,073,330 | 4,351 |
| Average earning assets | $112,348,000 | 4,356 |
| Average equity | $18,278,000 | 3,461 |
| Average total loans | $45,358,330 | 5,365 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 3,497 |
| Cost of funding earning assets | 0.6635% | 4,604 |
| Net interest margin | 3.9379% | 2,773 |
| Noninterest income to average assets | 0.6721% | 2,802 |
| Noninterest expense to average assets | 2.5488% | 4,994 |
| Loan and lease loss provision to assets | 0.0487% | 4,797 |
| Net operating income to assets | 1.6527% | 792 |
| Return on assets (ROA) | 1.6527% | 884 |
| Pretax return on assets | 1.6592% | 1,406 |
| Return on Equity (ROE) | 11.2508% | 1,922 |
| Retained earnings to average equity (ytd only) | 1.7462% | 5,366 |
| Net charge-offs to loans | 0.5509% | 1,709 |
| Credit loss provision to net charge-offs | 23.8095% | 3,723 |
| Earnings coverage of net charge-offs (x) | 8.3492% | 1,966 |
| Efficiency ratio | 59.8780% | 5,632 |
| Assets per employee ($millions) | 5.8367% | 1,393 |
| Cash dividends to net income (ytd only)* | 84.4794% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3836% | 582 |
| Loan loss allowance to noncurrent loans | 79.9053% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 2.5495% | 2,318 |
| Noncurrent loans to loans | 4.2345% | 1,419 |
| Net loans and leases to total assets | 35.3868% | 6,666 |
| Net loans and leases to deposits | 44.2759% | 6,543 |
| Net loans and leases to core deposits | 50.9527% | 6,278 |
| Total domestic deposits to total assets | 79.9235% | 5,868 |
| Equity capital to assets | 14.9415% | 759 |
| Core capital (leverage) ratio | 11.9490% | 1,618 |
| Tier 1 risk-based capital ratio | 19.2726% | 1,909 |
| Total risk-based capital ratio | 20.5325% | 1,874 |
| Memoranda: | ||
| Average total assets | $123,194,000 | 4,377 |
| Average earning assets | $112,141,000 | 4,378 |
| Average equity | $18,096,500 | 3,488 |
| Average total loans | $45,744,500 | 5,384 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 3,057 |
| Cost of funding earning assets | 0.8717% | 4,313 |
| Net interest margin | 4.0924% | 2,455 |
| Noninterest income to average assets | 0.8070% | 2,023 |
| Noninterest expense to average assets | 2.8094% | 4,314 |
| Loan and lease loss provision to assets | 0.2294% | 3,907 |
| Net operating income to assets | 1.4477% | 929 |
| Return on assets (ROA) | 1.4125% | 1,083 |
| Pretax return on assets | 1.4141% | 1,738 |
| Return on Equity (ROE) | 10.2691% | 1,965 |
| Retained earnings to average equity (ytd only) | 3.3178% | 3,862 |
| Net charge-offs to loans | 0.4315% | 3,279 |
| Credit loss provision to net charge-offs | 129.6296% | 2,366 |
| Earnings coverage of net charge-offs (x) | 9.4861% | 1,972 |
| Efficiency ratio | 62.5958% | 5,369 |
| Assets per employee ($millions) | 5.8960% | 1,306 |
| Cash dividends to net income (ytd only)* | 67.6914% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3629% | 589 |
| Loan loss allowance to noncurrent loans | 75.9205% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.6676% | 2,282 |
| Noncurrent loans to loans | 4.4296% | 1,353 |
| Net loans and leases to total assets | 36.3674% | 6,742 |
| Net loans and leases to deposits | 46.1694% | 6,619 |
| Net loans and leases to core deposits | 53.1692% | 6,358 |
| Total domestic deposits to total assets | 78.7695% | 6,043 |
| Equity capital to assets | 14.4399% | 916 |
| Core capital (leverage) ratio | 11.8503% | 1,688 |
| Tier 1 risk-based capital ratio | 18.9994% | 1,893 |
| Total risk-based capital ratio | 20.2606% | 1,851 |
| Memoranda: | ||
| Average total assets | $122,055,600 | 4,348 |
| Average earning assets | $109,789,400 | 4,399 |
| Average equity | $16,788,200 | 3,610 |
| Average total loans | $50,063,600 | 5,267 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0493% | 2,842 |
| Cost of funding earning assets | 0.9033% | 4,374 |
| Net interest margin | 4.1460% | 2,286 |
| Noninterest income to average assets | 0.8244% | 1,946 |
| Noninterest expense to average assets | 2.7474% | 4,543 |
| Loan and lease loss provision to assets | 0.3070% | 3,078 |
| Net operating income to assets | 1.4866% | 966 |
| Return on assets (ROA) | 1.4855% | 1,051 |
| Pretax return on assets | 1.4877% | 1,685 |
| Return on Equity (ROE) | 10.9389% | 1,885 |
| Retained earnings to average equity (ytd only) | 4.7308% | 3,357 |
| Net charge-offs to loans | 0.6335% | 2,347 |
| Credit loss provision to net charge-offs | 115.7025% | 2,828 |
| Earnings coverage of net charge-offs (x) | 6.7686% | 2,489 |
| Efficiency ratio | 60.4730% | 5,641 |
| Assets per employee ($millions) | 5.8510% | 1,307 |
| Cash dividends to net income (ytd only)* | 56.7529% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1724% | 746 |
| Loan loss allowance to noncurrent loans | 70.2370% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 3.4125% | 1,852 |
| Noncurrent loans to loans | 4.5167% | 1,429 |
| Net loans and leases to total assets | 38.2792% | 6,759 |
| Net loans and leases to deposits | 48.7439% | 6,584 |
| Net loans and leases to core deposits | 55.9249% | 6,325 |
| Total domestic deposits to total assets | 78.5311% | 6,089 |
| Equity capital to assets | 14.7309% | 922 |
| Core capital (leverage) ratio | 11.7637% | 1,847 |
| Tier 1 risk-based capital ratio | 18.5691% | 2,071 |
| Total risk-based capital ratio | 19.8280% | 2,027 |
| Memoranda: | ||
| Average total assets | $121,615,250 | 4,374 |
| Average earning assets | $109,081,000 | 4,448 |
| Average equity | $16,515,500 | 3,659 |
| Average total loans | $50,930,500 | 5,280 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 2,774 |
| Cost of funding earning assets | 0.9346% | 4,425 |
| Net interest margin | 4.1447% | 2,245 |
| Noninterest income to average assets | 0.7624% | 2,194 |
| Noninterest expense to average assets | 2.8400% | 4,271 |
| Loan and lease loss provision to assets | 0.2640% | 3,287 |
| Net operating income to assets | 1.3581% | 1,178 |
| Return on assets (ROA) | 1.3598% | 1,239 |
| Pretax return on assets | 1.3631% | 1,908 |
| Return on Equity (ROE) | 10.3082% | 2,011 |
| Retained earnings to average equity (ytd only) | 4.4911% | 3,335 |
| Net charge-offs to loans | 0.5182% | 2,542 |
| Credit loss provision to net charge-offs | 119.4030% | 2,564 |
| Earnings coverage of net charge-offs (x) | 7.3507% | 2,242 |
| Efficiency ratio | 63.5994% | 5,321 |
| Assets per employee ($millions) | 5.8974% | 1,238 |
| Cash dividends to net income (ytd only)* | 56.4320% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0199% | 880 |
| Loan loss allowance to noncurrent loans | 66.7103% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 4.2400% | 1,499 |
| Noncurrent loans to loans | 4.5269% | 1,457 |
| Net loans and leases to total assets | 39.6479% | 6,770 |
| Net loans and leases to deposits | 49.7649% | 6,618 |
| Net loans and leases to core deposits | 57.1359% | 6,338 |
| Total domestic deposits to total assets | 79.6706% | 5,910 |
| Equity capital to assets | 13.6606% | 1,218 |
| Core capital (leverage) ratio | 11.7141% | 1,773 |
| Tier 1 risk-based capital ratio | 18.2732% | 2,081 |
| Total risk-based capital ratio | 19.5323% | 2,038 |
| Memoranda: | ||
| Average total assets | $121,196,670 | 4,416 |
| Average earning assets | $108,282,330 | 4,500 |
| Average equity | $15,987,330 | 3,738 |
| Average total loans | $51,715,670 | 5,293 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 2,351 |
| Cost of funding earning assets | 0.9592% | 4,502 |
| Net interest margin | 4.2114% | 1,866 |
| Noninterest income to average assets | 0.7208% | 2,444 |
| Noninterest expense to average assets | 2.8964% | 4,070 |
| Loan and lease loss provision to assets | 0.2670% | 3,006 |
| Net operating income to assets | 1.3016% | 1,260 |
| Return on assets (ROA) | 1.3247% | 1,261 |
| Pretax return on assets | 1.3314% | 1,938 |
| Return on Equity (ROE) | 10.2306% | 2,018 |
| Retained earnings to average equity (ytd only) | 5.7725% | 2,765 |
| Net charge-offs to loans | 0.2526% | 3,071 |
| Credit loss provision to net charge-offs | 242.4242% | 1,286 |
| Earnings coverage of net charge-offs (x) | 14.3030% | 1,380 |
| Efficiency ratio | 64.7761% | 5,220 |
| Assets per employee ($millions) | 5.6564% | 1,445 |
| Cash dividends to net income (ytd only)* | 43.5768% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0605% | 861 |
| Loan loss allowance to noncurrent loans | 47.2129% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 5.5841% | 1,068 |
| Noncurrent loans to loans | 6.4822% | 922 |
| Net loans and leases to total assets | 41.3322% | 6,686 |
| Net loans and leases to deposits | 52.0449% | 6,474 |
| Net loans and leases to core deposits | 60.8709% | 6,028 |
| Total domestic deposits to total assets | 79.4164% | 6,080 |
| Equity capital to assets | 13.2939% | 1,263 |
| Core capital (leverage) ratio | 11.7041% | 1,737 |
| Tier 1 risk-based capital ratio | 18.0829% | 2,089 |
| Total risk-based capital ratio | 19.3451% | 2,047 |
| Memoranda: | ||
| Average total assets | $119,872,500 | 4,484 |
| Average earning assets | $106,757,500 | 4,567 |
| Average equity | $15,522,000 | 3,806 |
| Average total loans | $52,258,000 | 5,319 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 3,100 |
| Cost of funding earning assets | 1.1917% | 4,612 |
| Net interest margin | 4.1161% | 2,498 |
| Noninterest income to average assets | 0.5997% | 3,479 |
| Noninterest expense to average assets | 2.7912% | 4,637 |
| Loan and lease loss provision to assets | 0.9794% | 1,650 |
| Net operating income to assets | 0.4929% | 4,133 |
| Return on assets (ROA) | 1.0275% | 2,051 |
| Pretax return on assets | 1.0292% | 2,838 |
| Return on Equity (ROE) | 8.5455% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.2289% | 1,703 |
| Net charge-offs to loans | 1.5746% | 1,385 |
| Credit loss provision to net charge-offs | 130.7610% | 3,034 |
| Earnings coverage of net charge-offs (x) | 1.9678% | 4,256 |
| Efficiency ratio | 65.4433% | 5,081 |
| Assets per employee ($millions) | 5.7600% | 1,383 |
| Cash dividends to net income (ytd only)* | 27.1094% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7901% | 1,069 |
| Loan loss allowance to noncurrent loans | 42.3977% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 5.9540% | 1,007 |
| Noncurrent loans to loans | 6.5807% | 900 |
| Net loans and leases to total assets | 43.2925% | 6,766 |
| Net loans and leases to deposits | 53.7516% | 6,626 |
| Net loans and leases to core deposits | 64.4224% | 6,018 |
| Total domestic deposits to total assets | 80.5417% | 5,672 |
| Equity capital to assets | 12.6098% | 1,575 |
| Core capital (leverage) ratio | 11.3777% | 1,909 |
| Tier 1 risk-based capital ratio | 17.4030% | 2,205 |
| Total risk-based capital ratio | 18.6608% | 2,172 |
| Memoranda: | ||
| Average total assets | $124,568,200 | 4,386 |
| Average earning assets | $110,929,600 | 4,447 |
| Average equity | $14,978,600 | 3,941 |
| Average total loans | $59,252,600 | 5,104 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 3,052 |
| Cost of funding earning assets | 1.2325% | 4,673 |
| Net interest margin | 4.1318% | 2,479 |
| Noninterest income to average assets | 0.4761% | 4,367 |
| Noninterest expense to average assets | 2.7427% | 4,712 |
| Loan and lease loss provision to assets | 1.0945% | 1,332 |
| Net operating income to assets | 0.3167% | 5,100 |
| Return on assets (ROA) | 0.9213% | 2,669 |
| Pretax return on assets | 0.9234% | 3,474 |
| Return on Equity (ROE) | 7.7530% | 3,004 |
| Retained earnings to average equity (ytd only) | 6.4117% | 2,132 |
| Net charge-offs to loans | 1.2409% | 1,644 |
| Credit loss provision to net charge-offs | 182.6241% | 1,994 |
| Earnings coverage of net charge-offs (x) | 2.3582% | 3,995 |
| Efficiency ratio | 65.9934% | 4,856 |
| Assets per employee ($millions) | 5.5285% | 1,601 |
| Cash dividends to net income (ytd only)* | 17.3015% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9374% | 870 |
| Loan loss allowance to noncurrent loans | 33.6535% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 6.2890% | 918 |
| Noncurrent loans to loans | 8.7285% | 565 |
| Net loans and leases to total assets | 45.6966% | 6,725 |
| Net loans and leases to deposits | 57.2672% | 6,525 |
| Net loans and leases to core deposits | 69.2936% | 5,824 |
| Total domestic deposits to total assets | 79.7954% | 5,774 |
| Equity capital to assets | 13.4231% | 1,381 |
| Core capital (leverage) ratio | 11.1642% | 2,148 |
| Tier 1 risk-based capital ratio | 16.7346% | 2,441 |
| Total risk-based capital ratio | 17.9951% | 2,406 |
| Memoranda: | ||
| Average total assets | $125,470,000 | 4,431 |
| Average earning assets | $111,749,000 | 4,488 |
| Average equity | $14,910,000 | 4,009 |
| Average total loans | $60,598,250 | 5,123 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 2,760 |
| Cost of funding earning assets | 1.2449% | 4,866 |
| Net interest margin | 4.2035% | 2,146 |
| Noninterest income to average assets | 0.2051% | 6,442 |
| Noninterest expense to average assets | 2.6935% | 4,936 |
| Loan and lease loss provision to assets | 1.2465% | 1,120 |
| Net operating income to assets | -0.0032% | 6,086 |
| Return on assets (ROA) | 0.6296% | 3,872 |
| Pretax return on assets | 0.6327% | 4,466 |
| Return on Equity (ROE) | 5.5271% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.4492% | 3,912 |
| Net charge-offs to loans | 1.6432% | 1,155 |
| Credit loss provision to net charge-offs | 155.8185% | 2,528 |
| Earnings coverage of net charge-offs (x) | 1.5582% | 4,320 |
| Efficiency ratio | 68.3620% | 4,506 |
| Assets per employee ($millions) | 5.9624% | 1,255 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4738% | 1,331 |
| Loan loss allowance to noncurrent loans | 28.1820% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 7.2838% | 710 |
| Noncurrent loans to loans | 8.7778% | 554 |
| Net loans and leases to total assets | 47.1983% | 6,690 |
| Net loans and leases to deposits | 58.9567% | 6,501 |
| Net loans and leases to core deposits | 74.9097% | 5,333 |
| Total domestic deposits to total assets | 80.0559% | 5,706 |
| Equity capital to assets | 11.8185% | 2,207 |
| Core capital (leverage) ratio | 10.4493% | 2,667 |
| Tier 1 risk-based capital ratio | 15.5605% | 2,865 |
| Total risk-based capital ratio | 16.8173% | 2,834 |
| Memoranda: | ||
| Average total assets | $126,751,330 | 4,432 |
| Average earning assets | $112,621,330 | 4,492 |
| Average equity | $14,438,000 | 4,103 |
| Average total loans | $61,710,670 | 5,107 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5414% | 2,398 |
| Cost of funding earning assets | 1.2228% | 5,267 |
| Net interest margin | 4.3186% | 1,636 |
| Noninterest income to average assets | 0.0408% | 7,511 |
| Noninterest expense to average assets | 2.6003% | 5,360 |
| Loan and lease loss provision to assets | 1.6311% | 705 |
| Net operating income to assets | -0.3526% | 6,715 |
| Return on assets (ROA) | 0.7591% | 3,275 |
| Pretax return on assets | 0.7654% | 4,009 |
| Return on Equity (ROE) | 6.7892% | 3,456 |
| Retained earnings to average equity (ytd only) | 2.5810% | 4,590 |
| Net charge-offs to loans | 1.9336% | 892 |
| Credit loss provision to net charge-offs | 172.7575% | 2,102 |
| Earnings coverage of net charge-offs (x) | 1.3488% | 3,936 |
| Efficiency ratio | 67.1255% | 4,891 |
| Assets per employee ($millions) | 5.7615% | 1,439 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3316% | 1,528 |
| Loan loss allowance to noncurrent loans | 25.2596% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 7.3670% | 703 |
| Noncurrent loans to loans | 9.2306% | 511 |
| Net loans and leases to total assets | 47.4226% | 6,722 |
| Net loans and leases to deposits | 60.2673% | 6,439 |
| Net loans and leases to core deposits | 81.4510% | 4,561 |
| Total domestic deposits to total assets | 78.6871% | 6,156 |
| Equity capital to assets | 11.2849% | 2,517 |
| Core capital (leverage) ratio | 10.0254% | 3,139 |
| Tier 1 risk-based capital ratio | 14.8667% | 3,172 |
| Total risk-based capital ratio | 16.1221% | 3,132 |
| Memoranda: | ||
| Average total assets | $127,522,000 | 4,468 |
| Average earning assets | $113,184,500 | 4,536 |
| Average equity | $14,258,000 | 4,180 |
| Average total loans | $62,268,000 | 5,167 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8076% | 2,627 |
| Cost of funding earning assets | 1.6577% | 4,748 |
| Net interest margin | 4.1499% | 2,245 |
| Noninterest income to average assets | 0.5337% | 4,148 |
| Noninterest expense to average assets | 2.6533% | 5,582 |
| Loan and lease loss provision to assets | 0.8208% | 2,671 |
| Net operating income to assets | 0.7414% | 2,764 |
| Return on assets (ROA) | 1.2484% | 1,190 |
| Pretax return on assets | 1.2499% | 1,825 |
| Return on Equity (ROE) | 13.1895% | 917 |
| Retained earnings to average equity (ytd only) | 6.6875% | 1,078 |
| Net charge-offs to loans | 1.6840% | 1,499 |
| Credit loss provision to net charge-offs | 90.7173% | 5,980 |
| Earnings coverage of net charge-offs (x) | 1.7283% | 4,433 |
| Efficiency ratio | 62.9187% | 5,981 |
| Assets per employee ($millions) | 5.8314% | 1,368 |
| Cash dividends to net income (ytd only)* | 49.2966% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 2,191 |
| Loan loss allowance to noncurrent loans | 25.3333% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 7.0691% | 709 |
| Noncurrent loans to loans | 7.6201% | 682 |
| Net loans and leases to total assets | 48.1526% | 6,801 |
| Net loans and leases to deposits | 63.2921% | 6,340 |
| Net loans and leases to core deposits | 104.8794% | 3,461 |
| Total domestic deposits to total assets | 76.0800% | 6,664 |
| Equity capital to assets | 11.0780% | 2,648 |
| Core capital (leverage) ratio | 9.6966% | 3,459 |
| Tier 1 risk-based capital ratio | 14.4837% | 3,218 |
| Total risk-based capital ratio | 15.7352% | 3,169 |
| Memoranda: | ||
| Average total assets | $130,968,200 | 4,316 |
| Average earning assets | $116,244,200 | 4,390 |
| Average equity | $12,396,200 | 4,657 |
| Average total loans | $70,367,200 | 4,856 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8378% | 2,712 |
| Cost of funding earning assets | 1.7468% | 4,653 |
| Net interest margin | 4.0910% | 2,437 |
| Noninterest income to average assets | 0.5753% | 3,888 |
| Noninterest expense to average assets | 2.5706% | 5,822 |
| Loan and lease loss provision to assets | 0.6837% | 2,686 |
| Net operating income to assets | 0.9531% | 2,224 |
| Return on assets (ROA) | 1.2954% | 1,307 |
| Pretax return on assets | 1.2975% | 1,956 |
| Return on Equity (ROE) | 14.2795% | 880 |
| Retained earnings to average equity (ytd only) | 6.0623% | 1,918 |
| Net charge-offs to loans | 1.3737% | 1,497 |
| Credit loss provision to net charge-offs | 90.7258% | 5,462 |
| Earnings coverage of net charge-offs (x) | 2.1747% | 4,200 |
| Efficiency ratio | 61.0683% | 6,260 |
| Assets per employee ($millions) | 5.4580% | 1,659 |
| Cash dividends to net income (ytd only)* | 57.5451% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 2,023 |
| Loan loss allowance to noncurrent loans | 27.6446% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 6.4897% | 774 |
| Noncurrent loans to loans | 6.8809% | 791 |
| Net loans and leases to total assets | 49.4870% | 6,822 |
| Net loans and leases to deposits | 72.8294% | 5,536 |
| Net loans and leases to core deposits | 113.2198% | 2,913 |
| Total domestic deposits to total assets | 67.9492% | 7,578 |
| Equity capital to assets | 10.7106% | 3,280 |
| Core capital (leverage) ratio | 9.2807% | 4,218 |
| Tier 1 risk-based capital ratio | 13.4186% | 3,910 |
| Total risk-based capital ratio | 14.6702% | 3,847 |
| Memoranda: | ||
| Average total assets | $131,637,750 | 4,336 |
| Average earning assets | $116,936,250 | 4,411 |
| Average equity | $11,942,250 | 4,811 |
| Average total loans | $72,211,250 | 4,835 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7648% | 3,222 |
| Cost of funding earning assets | 1.8455% | 4,537 |
| Net interest margin | 3.9193% | 3,020 |
| Noninterest income to average assets | 0.9177% | 1,908 |
| Noninterest expense to average assets | 2.5726% | 5,847 |
| Loan and lease loss provision to assets | 0.5688% | 2,742 |
| Net operating income to assets | 1.2620% | 1,326 |
| Return on assets (ROA) | 1.4198% | 1,052 |
| Pretax return on assets | 1.4228% | 1,659 |
| Return on Equity (ROE) | 16.6454% | 627 |
| Retained earnings to average equity (ytd only) | 7.2557% | 1,487 |
| Net charge-offs to loans | 1.2120% | 1,514 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 2.6867% | 3,737 |
| Efficiency ratio | 58.3821% | 6,793 |
| Assets per employee ($millions) | 5.6203% | 1,481 |
| Cash dividends to net income (ytd only)* | 56.4103% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 2,057 |
| Loan loss allowance to noncurrent loans | 33.2536% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 6.6598% | 670 |
| Noncurrent loans to loans | 5.3981% | 1,082 |
| Net loans and leases to total assets | 52.9443% | 6,574 |
| Net loans and leases to deposits | 72.4754% | 5,672 |
| Net loans and leases to core deposits | 118.4883% | 2,501 |
| Total domestic deposits to total assets | 73.0513% | 7,104 |
| Equity capital to assets | 9.3805% | 4,771 |
| Core capital (leverage) ratio | 8.5666% | 5,320 |
| Tier 1 risk-based capital ratio | 12.5596% | 4,476 |
| Total risk-based capital ratio | 13.8117% | 4,394 |
| Memoranda: | ||
| Average total assets | $131,853,000 | 4,357 |
| Average earning assets | $117,368,000 | 4,435 |
| Average equity | $11,246,330 | 5,013 |
| Average total loans | $74,254,670 | 4,803 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6914% | 3,847 |
| Cost of funding earning assets | 2.0028% | 4,114 |
| Net interest margin | 3.6886% | 3,940 |
| Noninterest income to average assets | 0.8232% | 2,213 |
| Noninterest expense to average assets | 2.2742% | 6,619 |
| Loan and lease loss provision to assets | 0.5408% | 2,309 |
| Net operating income to assets | 1.3219% | 1,333 |
| Return on assets (ROA) | 1.3249% | 1,428 |
| Pretax return on assets | 1.3309% | 2,172 |
| Return on Equity (ROE) | 16.3235% | 771 |
| Retained earnings to average equity (ytd only) | 7.3289% | 2,087 |
| Net charge-offs to loans | 1.2961% | 1,086 |
| Credit loss provision to net charge-offs | 72.5806% | 4,307 |
| Earnings coverage of net charge-offs (x) | 2.5081% | 3,494 |
| Efficiency ratio | 54.8949% | 7,115 |
| Assets per employee ($millions) | 5.8338% | 1,296 |
| Cash dividends to net income (ytd only)* | 55.1020% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 2,238 |
| Loan loss allowance to noncurrent loans | 17.4069% | 7,294 |
| Noncurrent assets plus other real estate owned to assets | 6.7433% | 524 |
| Noncurrent loans to loans | 9.5979% | 318 |
| Net loans and leases to total assets | 55.1808% | 6,339 |
| Net loans and leases to deposits | 83.9047% | 3,998 |
| Net loans and leases to core deposits | 137.0020% | 1,246 |
| Total domestic deposits to total assets | 65.7661% | 7,748 |
| Equity capital to assets | 8.1400% | 6,612 |
| Core capital (leverage) ratio | 7.8883% | 6,639 |
| Tier 1 risk-based capital ratio | 11.2536% | 5,644 |
| Total risk-based capital ratio | 12.5050% | 5,555 |
| Memoranda: | ||
| Average total assets | $133,145,500 | 4,351 |
| Average earning assets | $119,830,000 | 4,390 |
| Average equity | $10,806,500 | 5,160 |
| Average total loans | $76,536,500 | 4,748 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2764% | 4,090 |
| Cost of funding earning assets | 2.9387% | 2,105 |
| Net interest margin | 3.3377% | 5,908 |
| Noninterest income to average assets | 0.6688% | 3,340 |
| Noninterest expense to average assets | 2.0606% | 7,321 |
| Loan and lease loss provision to assets | 0.3481% | 3,617 |
| Net operating income to assets | 1.2986% | 1,487 |
| Return on assets (ROA) | 1.2849% | 1,478 |
| Pretax return on assets | 1.2864% | 2,356 |
| Return on Equity (ROE) | 16.6555% | 679 |
| Retained earnings to average equity (ytd only) | 4.4830% | 2,337 |
| Net charge-offs to loans | 0.2360% | 3,889 |
| Credit loss provision to net charge-offs | 246.4865% | 1,889 |
| Earnings coverage of net charge-offs (x) | 11.6703% | 2,348 |
| Efficiency ratio | 55.5578% | 7,081 |
| Assets per employee ($millions) | 5.7441% | 1,298 |
| Cash dividends to net income (ytd only)* | 73.0838% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 1,892 |
| Loan loss allowance to noncurrent loans | 31.3846% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 3.7634% | 1,142 |
| Noncurrent loans to loans | 5.4323% | 762 |
| Net loans and leases to total assets | 57.8659% | 6,217 |
| Net loans and leases to deposits | 81.1612% | 4,848 |
| Net loans and leases to core deposits | 128.6414% | 1,952 |
| Total domestic deposits to total assets | 71.2975% | 7,122 |
| Equity capital to assets | 8.0923% | 6,710 |
| Core capital (leverage) ratio | 7.6954% | 6,944 |
| Tier 1 risk-based capital ratio | 11.1742% | 5,565 |
| Total risk-based capital ratio | 12.4265% | 5,447 |
| Memoranda: | ||
| Average total assets | $130,983,800 | 4,255 |
| Average earning assets | $119,304,800 | 4,277 |
| Average equity | $10,104,800 | 5,376 |
| Average total loans | $78,397,200 | 4,576 |