Home > Teche Bank & Trust Co. > Performance and Condition Ratios
Teche Bank & Trust Co., Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 1,239 |
| Cost of funding earning assets | 0.2126% | 4,846 |
| Net interest margin | 4.4708% | 664 |
| Noninterest income to average assets | 0.8730% | 1,352 |
| Noninterest expense to average assets | 3.7000% | 790 |
| Loan and lease loss provision to assets | 0.1009% | 2,208 |
| Net operating income to assets | 1.1687% | 1,619 |
| Return on assets (ROA) | 1.1687% | 1,648 |
| Pretax return on assets | 1.1687% | 2,903 |
| Return on Equity (ROE) | 10.1217% | 1,834 |
| Retained earnings to average equity (ytd only) | 9.2476% | 466 |
| Net charge-offs to loans | 0.3460% | 739 |
| Credit loss provision to net charge-offs | 46.9484% | 3,365 |
| Earnings coverage of net charge-offs (x) | 5.9061% | 3,256 |
| Efficiency ratio | 74.4517% | 1,834 |
| Assets per employee ($millions) | 3.0513% | 5,162 |
| Cash dividends to net income (ytd only)* | 8.6356% | 3,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,267 |
| Loan loss allowance to noncurrent loans | 50.1635% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.6662% | 780 |
| Noncurrent loans to loans | 2.5717% | 509 |
| Net loans and leases to total assets | 62.0453% | 3,616 |
| Net loans and leases to deposits | 71.2380% | 3,772 |
| Net loans and leases to core deposits | 79.6115% | 3,451 |
| Total domestic deposits to total assets | 87.0958% | 1,944 |
| Equity capital to assets | 12.4634% | 1,542 |
| Core capital (leverage) ratio | 11.7851% | 1,740 |
| Tier 1 risk-based capital ratio | 18.9443% | 1,509 |
| Total risk-based capital ratio | 20.1954% | 1,473 |
| Memoranda: | ||
| Average total assets | $99,081,000 | 4,254 |
| Average earning assets | $90,788,600 | 4,271 |
| Average equity | $11,440,800 | 4,232 |
| Average total loans | $61,560,400 | 4,163 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 1,306 |
| Cost of funding earning assets | 0.2032% | 4,953 |
| Net interest margin | 4.4220% | 699 |
| Noninterest income to average assets | 0.8635% | 1,392 |
| Noninterest expense to average assets | 3.7296% | 742 |
| Loan and lease loss provision to assets | 0.1331% | 1,632 |
| Net operating income to assets | 1.0538% | 2,316 |
| Return on assets (ROA) | 1.0538% | 2,348 |
| Pretax return on assets | 1.0538% | 3,476 |
| Return on Equity (ROE) | 9.3006% | 2,443 |
| Retained earnings to average equity (ytd only) | 8.1263% | 1,175 |
| Net charge-offs to loans | 0.2384% | 893 |
| Credit loss provision to net charge-offs | 90.0901% | 2,459 |
| Earnings coverage of net charge-offs (x) | 8.0358% | 2,822 |
| Efficiency ratio | 75.8593% | 1,611 |
| Assets per employee ($millions) | 3.1155% | 5,160 |
| Cash dividends to net income (ytd only)* | 12.6263% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 1,730 |
| Loan loss allowance to noncurrent loans | 61.5439% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.4620% | 1,046 |
| Noncurrent loans to loans | 2.3435% | 673 |
| Net loans and leases to total assets | 61.4852% | 3,717 |
| Net loans and leases to deposits | 70.2491% | 3,939 |
| Net loans and leases to core deposits | 80.1206% | 3,445 |
| Total domestic deposits to total assets | 87.5245% | 1,617 |
| Equity capital to assets | 12.0262% | 1,951 |
| Core capital (leverage) ratio | 11.1179% | 2,352 |
| Tier 1 risk-based capital ratio | 18.5268% | 1,718 |
| Total risk-based capital ratio | 19.7792% | 1,673 |
| Memoranda: | ||
| Average total assets | $100,204,000 | 4,278 |
| Average earning assets | $91,841,750 | 4,285 |
| Average equity | $11,353,750 | 4,285 |
| Average total loans | $62,086,750 | 4,188 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 1,311 |
| Cost of funding earning assets | 0.1849% | 5,105 |
| Net interest margin | 4.3901% | 715 |
| Noninterest income to average assets | 0.8717% | 1,358 |
| Noninterest expense to average assets | 3.7629% | 706 |
| Loan and lease loss provision to assets | 0.1558% | 1,286 |
| Net operating income to assets | 0.9802% | 2,526 |
| Return on assets (ROA) | 0.9802% | 2,574 |
| Pretax return on assets | 0.9802% | 3,636 |
| Return on Equity (ROE) | 8.8225% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.8225% | 891 |
| Net charge-offs to loans | 0.2584% | 794 |
| Credit loss provision to net charge-offs | 97.5309% | 2,064 |
| Earnings coverage of net charge-offs (x) | 7.1111% | 2,640 |
| Efficiency ratio | 76.8116% | 1,606 |
| Assets per employee ($millions) | 3.0425% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,764 |
| Loan loss allowance to noncurrent loans | 67.2797% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 1,274 |
| Noncurrent loans to loans | 2.1514% | 757 |
| Net loans and leases to total assets | 59.5410% | 3,882 |
| Net loans and leases to deposits | 67.5430% | 4,106 |
| Net loans and leases to core deposits | 77.0384% | 3,677 |
| Total domestic deposits to total assets | 88.1527% | 1,382 |
| Equity capital to assets | 11.4459% | 2,369 |
| Core capital (leverage) ratio | 10.5759% | 2,840 |
| Tier 1 risk-based capital ratio | 17.6886% | 1,952 |
| Total risk-based capital ratio | 18.9404% | 1,908 |
| Memoranda: | ||
| Average total assets | $101,411,670 | 4,280 |
| Average earning assets | $93,027,330 | 4,290 |
| Average equity | $11,266,670 | 4,313 |
| Average total loans | $62,698,330 | 4,185 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 1,120 |
| Cost of funding earning assets | 0.1791% | 5,163 |
| Net interest margin | 4.4303% | 607 |
| Noninterest income to average assets | 0.8595% | 1,370 |
| Noninterest expense to average assets | 3.7521% | 723 |
| Loan and lease loss provision to assets | 0.2316% | 671 |
| Net operating income to assets | 0.9537% | 2,507 |
| Return on assets (ROA) | 0.9537% | 2,566 |
| Pretax return on assets | 0.9537% | 3,575 |
| Return on Equity (ROE) | 8.7144% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.7144% | 1,182 |
| Net charge-offs to loans | 0.3704% | 497 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 5.1186% | 2,318 |
| Efficiency ratio | 75.9936% | 1,906 |
| Assets per employee ($millions) | 2.9685% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 2,050 |
| Loan loss allowance to noncurrent loans | 76.2565% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1588% | 1,525 |
| Noncurrent loans to loans | 1.8415% | 1,007 |
| Net loans and leases to total assets | 59.4693% | 3,839 |
| Net loans and leases to deposits | 66.9912% | 4,092 |
| Net loans and leases to core deposits | 77.1636% | 3,544 |
| Total domestic deposits to total assets | 88.7718% | 1,274 |
| Equity capital to assets | 10.8721% | 2,774 |
| Core capital (leverage) ratio | 10.3592% | 3,046 |
| Tier 1 risk-based capital ratio | 16.7967% | 2,248 |
| Total risk-based capital ratio | 18.0494% | 2,218 |
| Memoranda: | ||
| Average total assets | $101,916,000 | 4,313 |
| Average earning assets | $93,808,000 | 4,315 |
| Average equity | $11,154,000 | 4,356 |
| Average total loans | $63,718,000 | 4,189 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 1,004 |
| Cost of funding earning assets | 0.1998% | 5,013 |
| Net interest margin | 4.5315% | 581 |
| Noninterest income to average assets | 0.8130% | 1,701 |
| Noninterest expense to average assets | 3.4989% | 1,161 |
| Loan and lease loss provision to assets | 0.2243% | 972 |
| Net operating income to assets | 1.3184% | 1,173 |
| Return on assets (ROA) | 1.3184% | 1,225 |
| Pretax return on assets | 1.3184% | 2,216 |
| Return on Equity (ROE) | 11.7877% | 1,320 |
| Retained earnings to average equity (ytd only) | -4.6372% | 5,663 |
| Net charge-offs to loans | 0.2280% | 1,222 |
| Credit loss provision to net charge-offs | 162.3288% | 1,703 |
| Earnings coverage of net charge-offs (x) | 11.1644% | 2,559 |
| Efficiency ratio | 69.4012% | 3,011 |
| Assets per employee ($millions) | 2.7759% | 5,509 |
| Cash dividends to net income (ytd only)* | 139.3396% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,266 |
| Loan loss allowance to noncurrent loans | 57.2544% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 1,015 |
| Noncurrent loans to loans | 2.3731% | 684 |
| Net loans and leases to total assets | 63.9308% | 3,366 |
| Net loans and leases to deposits | 72.0579% | 3,706 |
| Net loans and leases to core deposits | 79.8510% | 3,405 |
| Total domestic deposits to total assets | 88.7214% | 1,253 |
| Equity capital to assets | 11.0194% | 2,618 |
| Core capital (leverage) ratio | 9.9687% | 3,521 |
| Tier 1 risk-based capital ratio | 16.0232% | 2,537 |
| Total risk-based capital ratio | 17.2743% | 2,475 |
| Memoranda: | ||
| Average total assets | $105,661,400 | 4,244 |
| Average earning assets | $98,599,400 | 4,231 |
| Average equity | $11,817,400 | 4,275 |
| Average total loans | $64,039,600 | 4,177 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 1,044 |
| Cost of funding earning assets | 0.2091% | 4,985 |
| Net interest margin | 4.5000% | 630 |
| Noninterest income to average assets | 0.7843% | 1,830 |
| Noninterest expense to average assets | 3.5495% | 1,065 |
| Loan and lease loss provision to assets | 0.2677% | 669 |
| Net operating income to assets | 1.1740% | 1,721 |
| Return on assets (ROA) | 1.1740% | 1,833 |
| Pretax return on assets | 1.1740% | 2,948 |
| Return on Equity (ROE) | 10.4612% | 1,885 |
| Retained earnings to average equity (ytd only) | -6.3898% | 5,777 |
| Net charge-offs to loans | 0.1983% | 1,180 |
| Credit loss provision to net charge-offs | 226.3158% | 1,302 |
| Earnings coverage of net charge-offs (x) | 12.1898% | 2,413 |
| Efficiency ratio | 71.1150% | 2,720 |
| Assets per employee ($millions) | 2.8682% | 5,496 |
| Cash dividends to net income (ytd only)* | 161.0817% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 2,102 |
| Loan loss allowance to noncurrent loans | 65.7514% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 1,409 |
| Noncurrent loans to loans | 2.1608% | 874 |
| Net loans and leases to total assets | 61.1505% | 3,723 |
| Net loans and leases to deposits | 69.0821% | 4,053 |
| Net loans and leases to core deposits | 77.6127% | 3,698 |
| Total domestic deposits to total assets | 88.5187% | 1,150 |
| Equity capital to assets | 11.1346% | 2,880 |
| Core capital (leverage) ratio | 9.6964% | 3,940 |
| Tier 1 risk-based capital ratio | 16.1192% | 2,576 |
| Total risk-based capital ratio | 17.3703% | 2,528 |
| Memoranda: | ||
| Average total assets | $107,093,500 | 4,262 |
| Average earning assets | $100,116,500 | 4,235 |
| Average equity | $12,018,750 | 4,287 |
| Average total loans | $63,857,500 | 4,210 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 1,107 |
| Cost of funding earning assets | 0.2130% | 5,007 |
| Net interest margin | 4.4618% | 667 |
| Noninterest income to average assets | 0.7511% | 1,931 |
| Noninterest expense to average assets | 3.4861% | 1,184 |
| Loan and lease loss provision to assets | 0.2510% | 769 |
| Net operating income to assets | 1.1885% | 1,648 |
| Return on assets (ROA) | 1.1885% | 1,741 |
| Pretax return on assets | 1.1885% | 2,823 |
| Return on Equity (ROE) | 10.5637% | 1,823 |
| Retained earnings to average equity (ytd only) | 1.0006% | 4,990 |
| Net charge-offs to loans | 0.1254% | 1,591 |
| Credit loss provision to net charge-offs | 340.0000% | 875 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,771 |
| Efficiency ratio | 70.7756% | 2,865 |
| Assets per employee ($millions) | 3.1147% | 5,311 |
| Cash dividends to net income (ytd only)* | 90.5280% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,286 |
| Loan loss allowance to noncurrent loans | 212.7404% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 3,920 |
| Noncurrent loans to loans | 0.6591% | 3,097 |
| Net loans and leases to total assets | 58.7668% | 4,043 |
| Net loans and leases to deposits | 67.0213% | 4,264 |
| Net loans and leases to core deposits | 76.5486% | 3,780 |
| Total domestic deposits to total assets | 87.6837% | 1,583 |
| Equity capital to assets | 11.5335% | 2,511 |
| Core capital (leverage) ratio | 9.9877% | 3,575 |
| Tier 1 risk-based capital ratio | 17.4300% | 2,088 |
| Total risk-based capital ratio | 18.6814% | 2,051 |
| Memoranda: | ||
| Average total assets | $108,373,000 | 4,256 |
| Average earning assets | $101,394,330 | 4,242 |
| Average equity | $12,192,670 | 4,285 |
| Average total loans | $63,793,000 | 4,241 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 1,081 |
| Cost of funding earning assets | 0.2144% | 5,061 |
| Net interest margin | 4.4702% | 647 |
| Noninterest income to average assets | 0.6970% | 2,057 |
| Noninterest expense to average assets | 3.5070% | 1,170 |
| Loan and lease loss provision to assets | 0.2299% | 804 |
| Net operating income to assets | 1.1459% | 1,724 |
| Return on assets (ROA) | 1.1459% | 1,843 |
| Pretax return on assets | 1.1459% | 2,910 |
| Return on Equity (ROE) | 10.3103% | 1,849 |
| Retained earnings to average equity (ytd only) | -0.7880% | 5,252 |
| Net charge-offs to loans | 0.0936% | 1,578 |
| Credit loss provision to net charge-offs | 420.0000% | 684 |
| Earnings coverage of net charge-offs (x) | 25.1333% | 1,307 |
| Efficiency ratio | 71.8236% | 2,823 |
| Assets per employee ($millions) | 3.0552% | 5,447 |
| Cash dividends to net income (ytd only)* | 107.6433% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,978 |
| Loan loss allowance to noncurrent loans | 148.6679% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 3,553 |
| Noncurrent loans to loans | 0.8657% | 2,681 |
| Net loans and leases to total assets | 58.3683% | 4,004 |
| Net loans and leases to deposits | 66.4091% | 4,219 |
| Net loans and leases to core deposits | 74.5402% | 3,835 |
| Total domestic deposits to total assets | 87.8921% | 1,699 |
| Equity capital to assets | 11.0887% | 2,839 |
| Core capital (leverage) ratio | 9.9097% | 3,653 |
| Tier 1 risk-based capital ratio | 16.8643% | 2,339 |
| Total risk-based capital ratio | 18.1142% | 2,282 |
| Memoranda: | ||
| Average total assets | $109,609,500 | 4,269 |
| Average earning assets | $102,635,000 | 4,241 |
| Average equity | $12,182,000 | 4,300 |
| Average total loans | $64,130,000 | 4,258 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 1,297 |
| Cost of funding earning assets | 0.2812% | 4,474 |
| Net interest margin | 4.3334% | 899 |
| Noninterest income to average assets | 0.6486% | 2,465 |
| Noninterest expense to average assets | 3.3419% | 1,624 |
| Loan and lease loss provision to assets | 0.1399% | 1,697 |
| Net operating income to assets | 1.2118% | 1,512 |
| Return on assets (ROA) | 1.2118% | 1,578 |
| Pretax return on assets | 1.2118% | 2,614 |
| Return on Equity (ROE) | 11.2656% | 1,526 |
| Retained earnings to average equity (ytd only) | 8.2760% | 828 |
| Net charge-offs to loans | 0.0850% | 2,616 |
| Credit loss provision to net charge-offs | 301.9608% | 978 |
| Earnings coverage of net charge-offs (x) | 29.1765% | 1,482 |
| Efficiency ratio | 71.2019% | 3,034 |
| Assets per employee ($millions) | 3.1209% | 5,389 |
| Cash dividends to net income (ytd only)* | 26.5367% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 3,186 |
| Loan loss allowance to noncurrent loans | 118.1138% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 3,191 |
| Noncurrent loans to loans | 1.0565% | 2,225 |
| Net loans and leases to total assets | 57.1595% | 4,176 |
| Net loans and leases to deposits | 65.3531% | 4,366 |
| Net loans and leases to core deposits | 72.6029% | 4,081 |
| Total domestic deposits to total assets | 87.4626% | 1,899 |
| Equity capital to assets | 11.1395% | 2,689 |
| Core capital (leverage) ratio | 9.7815% | 3,799 |
| Tier 1 risk-based capital ratio | 17.2284% | 2,211 |
| Total risk-based capital ratio | 18.4785% | 2,164 |
| Memoranda: | ||
| Average total assets | $110,087,200 | 4,260 |
| Average earning assets | $102,759,400 | 4,216 |
| Average equity | $11,841,400 | 4,335 |
| Average total loans | $59,979,800 | 4,378 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,374 |
| Cost of funding earning assets | 0.2904% | 4,448 |
| Net interest margin | 4.2925% | 971 |
| Noninterest income to average assets | 0.6213% | 2,630 |
| Noninterest expense to average assets | 3.3133% | 1,662 |
| Loan and lease loss provision to assets | 0.1378% | 1,617 |
| Net operating income to assets | 1.1725% | 1,741 |
| Return on assets (ROA) | 1.1725% | 1,815 |
| Pretax return on assets | 1.1725% | 2,916 |
| Return on Equity (ROE) | 10.9977% | 1,715 |
| Retained earnings to average equity (ytd only) | 6.9841% | 1,696 |
| Net charge-offs to loans | 0.0834% | 2,351 |
| Credit loss provision to net charge-offs | 308.1081% | 942 |
| Earnings coverage of net charge-offs (x) | 29.2986% | 1,522 |
| Efficiency ratio | 71.6601% | 2,937 |
| Assets per employee ($millions) | 2.7863% | 5,767 |
| Cash dividends to net income (ytd only)* | 36.4950% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 3,551 |
| Loan loss allowance to noncurrent loans | 225.7396% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 4,009 |
| Noncurrent loans to loans | 0.5398% | 3,725 |
| Net loans and leases to total assets | 55.4965% | 4,409 |
| Net loans and leases to deposits | 63.4783% | 4,600 |
| Net loans and leases to core deposits | 71.5706% | 4,226 |
| Total domestic deposits to total assets | 87.4260% | 1,831 |
| Equity capital to assets | 10.7311% | 3,323 |
| Core capital (leverage) ratio | 9.3376% | 4,533 |
| Tier 1 risk-based capital ratio | 16.5162% | 2,563 |
| Total risk-based capital ratio | 17.7202% | 2,549 |
| Memoranda: | ||
| Average total assets | $110,300,750 | 4,301 |
| Average earning assets | $102,844,250 | 4,262 |
| Average equity | $11,759,750 | 4,397 |
| Average total loans | $59,168,250 | 4,449 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 1,637 |
| Cost of funding earning assets | 0.2923% | 4,477 |
| Net interest margin | 4.1754% | 1,160 |
| Noninterest income to average assets | 0.5841% | 2,829 |
| Noninterest expense to average assets | 3.3080% | 1,681 |
| Loan and lease loss provision to assets | 0.1092% | 2,009 |
| Net operating income to assets | 1.0663% | 2,075 |
| Return on assets (ROA) | 1.0663% | 2,181 |
| Pretax return on assets | 1.0663% | 3,321 |
| Return on Equity (ROE) | 10.0231% | 2,058 |
| Retained earnings to average equity (ytd only) | 6.2431% | 2,092 |
| Net charge-offs to loans | 0.0138% | 3,448 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 408 |
| Efficiency ratio | 73.7825% | 2,707 |
| Assets per employee ($millions) | 2.7980% | 5,815 |
| Cash dividends to net income (ytd only)* | 37.7133% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 3,658 |
| Loan loss allowance to noncurrent loans | 579.6875% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 5,405 |
| Noncurrent loans to loans | 0.2108% | 4,928 |
| Net loans and leases to total assets | 53.5833% | 4,603 |
| Net loans and leases to deposits | 61.4451% | 4,739 |
| Net loans and leases to core deposits | 70.4067% | 4,286 |
| Total domestic deposits to total assets | 87.2053% | 2,058 |
| Equity capital to assets | 10.4699% | 3,475 |
| Core capital (leverage) ratio | 9.1122% | 4,806 |
| Tier 1 risk-based capital ratio | 14.7311% | 3,513 |
| Total risk-based capital ratio | 15.8010% | 3,533 |
| Memoranda: | ||
| Average total assets | $109,917,000 | 4,346 |
| Average earning assets | $102,649,000 | 4,306 |
| Average equity | $11,693,000 | 4,439 |
| Average total loans | $58,019,330 | 4,510 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 1,900 |
| Cost of funding earning assets | 0.2907% | 4,543 |
| Net interest margin | 4.0695% | 1,355 |
| Noninterest income to average assets | 0.5178% | 3,167 |
| Noninterest expense to average assets | 3.3237% | 1,663 |
| Loan and lease loss provision to assets | 0.1102% | 1,873 |
| Net operating income to assets | 0.8888% | 2,798 |
| Return on assets (ROA) | 0.8888% | 2,924 |
| Pretax return on assets | 0.8888% | 3,930 |
| Return on Equity (ROE) | 8.2873% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.2873% | 1,462 |
| Net charge-offs to loans | 0.0071% | 3,092 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 212 |
| Efficiency ratio | 76.8904% | 2,359 |
| Assets per employee ($millions) | 2.7914% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 3,879 |
| Loan loss allowance to noncurrent loans | 562.9921% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 5,496 |
| Noncurrent loans to loans | 0.2158% | 5,009 |
| Net loans and leases to total assets | 52.0684% | 4,656 |
| Net loans and leases to deposits | 59.9412% | 4,750 |
| Net loans and leases to core deposits | 67.1499% | 4,412 |
| Total domestic deposits to total assets | 86.8658% | 2,447 |
| Equity capital to assets | 10.6229% | 3,398 |
| Core capital (leverage) ratio | 9.2590% | 4,635 |
| Tier 1 risk-based capital ratio | 14.9572% | 3,456 |
| Total risk-based capital ratio | 16.0167% | 3,495 |
| Memoranda: | ||
| Average total assets | $108,915,000 | 4,392 |
| Average earning assets | $101,831,000 | 4,348 |
| Average equity | $11,680,500 | 4,475 |
| Average total loans | $56,672,500 | 4,584 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,423 |
| Cost of funding earning assets | 0.3125% | 4,658 |
| Net interest margin | 4.0347% | 1,788 |
| Noninterest income to average assets | 0.5967% | 2,879 |
| Noninterest expense to average assets | 2.8441% | 3,327 |
| Loan and lease loss provision to assets | 0.1193% | 2,187 |
| Net operating income to assets | 1.4121% | 1,058 |
| Return on assets (ROA) | 1.4121% | 1,086 |
| Pretax return on assets | 1.4121% | 1,844 |
| Return on Equity (ROE) | 13.1308% | 1,108 |
| Retained earnings to average equity (ytd only) | 5.0374% | 2,576 |
| Net charge-offs to loans | 0.0416% | 3,993 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 652 |
| Efficiency ratio | 65.0000% | 4,402 |
| Assets per employee ($millions) | 2.8696% | 5,864 |
| Cash dividends to net income (ytd only)* | 61.6365% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 3,675 |
| Loan loss allowance to noncurrent loans | 544.4444% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 5,556 |
| Noncurrent loans to loans | 0.2312% | 5,000 |
| Net loans and leases to total assets | 50.6777% | 4,899 |
| Net loans and leases to deposits | 58.7875% | 5,002 |
| Net loans and leases to core deposits | 66.5352% | 4,629 |
| Total domestic deposits to total assets | 86.2049% | 2,719 |
| Equity capital to assets | 10.8312% | 3,083 |
| Core capital (leverage) ratio | 9.0808% | 4,854 |
| Tier 1 risk-based capital ratio | 16.5895% | 2,678 |
| Total risk-based capital ratio | 17.7447% | 2,667 |
| Memoranda: | ||
| Average total assets | $105,585,600 | 4,466 |
| Average earning assets | $98,891,200 | 4,426 |
| Average equity | $11,355,000 | 4,484 |
| Average total loans | $50,525,800 | 4,801 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 2,593 |
| Cost of funding earning assets | 0.3172% | 4,701 |
| Net interest margin | 3.9916% | 1,907 |
| Noninterest income to average assets | 0.6209% | 2,742 |
| Noninterest expense to average assets | 2.8123% | 3,413 |
| Loan and lease loss provision to assets | 0.1239% | 2,017 |
| Net operating income to assets | 1.4239% | 1,085 |
| Return on assets (ROA) | 1.4239% | 1,122 |
| Pretax return on assets | 1.4239% | 1,912 |
| Return on Equity (ROE) | 13.2638% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.2638% | 299 |
| Net charge-offs to loans | 0.0511% | 3,479 |
| Credit loss provision to net charge-offs | 515.7895% | 552 |
| Earnings coverage of net charge-offs (x) | 64.4280% | 821 |
| Efficiency ratio | 64.5012% | 4,466 |
| Assets per employee ($millions) | 3.0129% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 3,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.0653% | 5,197 |
| Net loans and leases to deposits | 55.7011% | 5,263 |
| Net loans and leases to core deposits | 63.8154% | 4,894 |
| Total domestic deposits to total assets | 86.2914% | 2,705 |
| Equity capital to assets | 11.1059% | 2,853 |
| Core capital (leverage) ratio | 9.7349% | 4,018 |
| Tier 1 risk-based capital ratio | 17.8507% | 2,257 |
| Total risk-based capital ratio | 18.9830% | 2,263 |
| Memoranda: | ||
| Average total assets | $105,438,250 | 4,510 |
| Average earning assets | $98,771,250 | 4,473 |
| Average equity | $11,318,750 | 4,523 |
| Average total loans | $49,534,000 | 4,878 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,569 |
| Cost of funding earning assets | 0.3184% | 4,779 |
| Net interest margin | 3.9862% | 1,856 |
| Noninterest income to average assets | 0.6550% | 2,511 |
| Noninterest expense to average assets | 2.7827% | 3,572 |
| Loan and lease loss provision to assets | 0.1207% | 2,041 |
| Net operating income to assets | 1.4919% | 886 |
| Return on assets (ROA) | 1.4919% | 917 |
| Pretax return on assets | 1.4919% | 1,564 |
| Return on Equity (ROE) | 14.0660% | 941 |
| Retained earnings to average equity (ytd only) | 14.0660% | 260 |
| Net charge-offs to loans | 0.0537% | 3,197 |
| Credit loss provision to net charge-offs | 484.6154% | 607 |
| Earnings coverage of net charge-offs (x) | 64.7692% | 767 |
| Efficiency ratio | 63.3115% | 4,804 |
| Assets per employee ($millions) | 3.0817% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 4,088 |
| Loan loss allowance to noncurrent loans | 1,262.0000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 6,053 |
| Noncurrent loans to loans | 0.0998% | 5,721 |
| Net loans and leases to total assets | 47.2031% | 5,244 |
| Net loans and leases to deposits | 54.7508% | 5,304 |
| Net loans and leases to core deposits | 63.9686% | 4,822 |
| Total domestic deposits to total assets | 86.2145% | 2,922 |
| Equity capital to assets | 11.1551% | 2,730 |
| Core capital (leverage) ratio | 9.5649% | 4,229 |
| Tier 1 risk-based capital ratio | 18.3116% | 2,128 |
| Total risk-based capital ratio | 19.4604% | 2,126 |
| Memoranda: | ||
| Average total assets | $104,429,330 | 4,572 |
| Average earning assets | $97,988,330 | 4,527 |
| Average equity | $11,076,330 | 4,594 |
| Average total loans | $48,447,330 | 4,950 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 3,057 |
| Cost of funding earning assets | 0.3186% | 4,878 |
| Net interest margin | 3.8357% | 2,321 |
| Noninterest income to average assets | 0.6407% | 2,513 |
| Noninterest expense to average assets | 2.7433% | 3,788 |
| Loan and lease loss provision to assets | 0.1151% | 2,037 |
| Net operating income to assets | 1.3851% | 1,020 |
| Return on assets (ROA) | 1.3851% | 1,061 |
| Pretax return on assets | 1.3851% | 1,804 |
| Return on Equity (ROE) | 13.4070% | 1,057 |
| Retained earnings to average equity (ytd only) | 13.4070% | 440 |
| Net charge-offs to loans | 0.0840% | 2,306 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 39.1000% | 890 |
| Efficiency ratio | 64.6474% | 4,756 |
| Assets per employee ($millions) | 3.1300% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 4,448 |
| Loan loss allowance to noncurrent loans | 2,311.5385% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 6,223 |
| Noncurrent loans to loans | 0.0535% | 5,992 |
| Net loans and leases to total assets | 45.1071% | 5,418 |
| Net loans and leases to deposits | 51.8111% | 5,464 |
| Net loans and leases to core deposits | 59.8638% | 5,052 |
| Total domestic deposits to total assets | 87.0607% | 2,769 |
| Equity capital to assets | 10.3308% | 3,423 |
| Core capital (leverage) ratio | 9.2377% | 4,662 |
| Tier 1 risk-based capital ratio | 17.6839% | 2,417 |
| Total risk-based capital ratio | 18.7863% | 2,438 |
| Memoranda: | ||
| Average total assets | $104,255,500 | 4,623 |
| Average earning assets | $97,921,000 | 4,569 |
| Average equity | $10,770,500 | 4,674 |
| Average total loans | $47,626,500 | 5,024 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 3,333 |
| Cost of funding earning assets | 0.4157% | 4,475 |
| Net interest margin | 3.7889% | 2,688 |
| Noninterest income to average assets | 0.5269% | 3,578 |
| Noninterest expense to average assets | 2.6934% | 4,122 |
| Loan and lease loss provision to assets | 0.1703% | 2,155 |
| Net operating income to assets | 1.2330% | 1,443 |
| Return on assets (ROA) | 1.2330% | 1,505 |
| Pretax return on assets | 1.2330% | 2,446 |
| Return on Equity (ROE) | 12.2857% | 1,332 |
| Retained earnings to average equity (ytd only) | 12.2857% | 289 |
| Net charge-offs to loans | 0.0153% | 5,138 |
| Credit loss provision to net charge-offs | 2,428.5714% | 94 |
| Earnings coverage of net charge-offs (x) | 200.1429% | 224 |
| Efficiency ratio | 65.7457% | 4,604 |
| Assets per employee ($millions) | 3.4030% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 4,409 |
| Loan loss allowance to noncurrent loans | 2,075.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 6,309 |
| Noncurrent loans to loans | 0.0600% | 6,050 |
| Net loans and leases to total assets | 45.1244% | 5,570 |
| Net loans and leases to deposits | 51.9732% | 5,626 |
| Net loans and leases to core deposits | 60.6781% | 5,165 |
| Total domestic deposits to total assets | 86.8225% | 2,820 |
| Equity capital to assets | 10.3310% | 3,362 |
| Core capital (leverage) ratio | 8.9998% | 5,006 |
| Tier 1 risk-based capital ratio | 17.5642% | 2,386 |
| Total risk-based capital ratio | 18.6640% | 2,424 |
| Memoranda: | ||
| Average total assets | $99,836,000 | 4,742 |
| Average earning assets | $94,063,800 | 4,681 |
| Average equity | $10,019,800 | 4,844 |
| Average total loans | $45,722,800 | 5,125 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 3,496 |
| Cost of funding earning assets | 0.4351% | 4,450 |
| Net interest margin | 3.7335% | 2,907 |
| Noninterest income to average assets | 0.5077% | 3,753 |
| Noninterest expense to average assets | 2.6888% | 4,059 |
| Loan and lease loss provision to assets | 0.1813% | 2,003 |
| Net operating income to assets | 1.1524% | 1,800 |
| Return on assets (ROA) | 1.1524% | 1,877 |
| Pretax return on assets | 1.1524% | 2,885 |
| Return on Equity (ROE) | 11.5693% | 1,637 |
| Retained earnings to average equity (ytd only) | 11.5693% | 493 |
| Net charge-offs to loans | 0.0059% | 5,064 |
| Credit loss provision to net charge-offs | 6,750.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 495.8689% | 119 |
| Efficiency ratio | 66.8447% | 4,329 |
| Assets per employee ($millions) | 3.0828% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 5,028 |
| Loan loss allowance to noncurrent loans | 734.6667% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 6,215 |
| Noncurrent loans to loans | 0.1591% | 5,838 |
| Net loans and leases to total assets | 45.7983% | 5,565 |
| Net loans and leases to deposits | 52.6118% | 5,665 |
| Net loans and leases to core deposits | 63.3698% | 4,968 |
| Total domestic deposits to total assets | 87.0494% | 2,668 |
| Equity capital to assets | 10.0253% | 3,867 |
| Core capital (leverage) ratio | 8.7811% | 5,437 |
| Tier 1 risk-based capital ratio | 16.7004% | 2,861 |
| Total risk-based capital ratio | 17.7335% | 2,912 |
| Memoranda: | ||
| Average total assets | $99,272,250 | 4,800 |
| Average earning assets | $93,458,000 | 4,739 |
| Average equity | $9,888,000 | 4,927 |
| Average total loans | $45,491,250 | 5,187 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,562 |
| Cost of funding earning assets | 0.4455% | 4,480 |
| Net interest margin | 3.6992% | 2,961 |
| Noninterest income to average assets | 0.5119% | 3,758 |
| Noninterest expense to average assets | 2.6653% | 4,160 |
| Loan and lease loss provision to assets | 0.1828% | 2,073 |
| Net operating income to assets | 1.1559% | 1,715 |
| Return on assets (ROA) | 1.1559% | 1,834 |
| Pretax return on assets | 1.1559% | 2,858 |
| Return on Equity (ROE) | 11.6308% | 1,593 |
| Retained earnings to average equity (ytd only) | 11.6308% | 547 |
| Net charge-offs to loans | 0.0089% | 4,709 |
| Credit loss provision to net charge-offs | 4,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 329.5000% | 153 |
| Efficiency ratio | 66.5652% | 4,438 |
| Assets per employee ($millions) | 3.1871% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 5,453 |
| Loan loss allowance to noncurrent loans | 3,162.5000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 6,503 |
| Noncurrent loans to loans | 0.0347% | 6,301 |
| Net loans and leases to total assets | 44.6885% | 5,673 |
| Net loans and leases to deposits | 51.4263% | 5,739 |
| Net loans and leases to core deposits | 61.1611% | 5,161 |
| Total domestic deposits to total assets | 86.8982% | 2,885 |
| Equity capital to assets | 9.4856% | 4,600 |
| Core capital (leverage) ratio | 8.5046% | 5,668 |
| Tier 1 risk-based capital ratio | 16.1734% | 3,105 |
| Total risk-based capital ratio | 17.1231% | 3,220 |
| Memoranda: | ||
| Average total assets | $98,452,000 | 4,854 |
| Average earning assets | $92,938,000 | 4,779 |
| Average equity | $9,784,330 | 4,989 |
| Average total loans | $44,940,670 | 5,226 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 3,754 |
| Cost of funding earning assets | 0.4636% | 4,444 |
| Net interest margin | 3.6300% | 3,140 |
| Noninterest income to average assets | 0.5254% | 3,601 |
| Noninterest expense to average assets | 2.6933% | 4,094 |
| Loan and lease loss provision to assets | 0.1862% | 1,983 |
| Net operating income to assets | 1.0798% | 1,935 |
| Return on assets (ROA) | 1.0798% | 2,040 |
| Pretax return on assets | 1.0798% | 3,030 |
| Return on Equity (ROE) | 10.6103% | 1,834 |
| Retained earnings to average equity (ytd only) | 10.6103% | 961 |
| Net charge-offs to loans | -0.0180% | 5,674 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0251% | 4,304 |
| Assets per employee ($millions) | 3.3050% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 5,786 |
| Loan loss allowance to noncurrent loans | 6,642.8571% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 6,608 |
| Noncurrent loans to loans | 0.0158% | 6,452 |
| Net loans and leases to total assets | 44.0862% | 5,657 |
| Net loans and leases to deposits | 51.1323% | 5,696 |
| Net loans and leases to core deposits | 59.9249% | 5,154 |
| Total domestic deposits to total assets | 86.2197% | 3,403 |
| Equity capital to assets | 10.0102% | 4,138 |
| Core capital (leverage) ratio | 8.4883% | 5,616 |
| Tier 1 risk-based capital ratio | 16.1872% | 3,165 |
| Total risk-based capital ratio | 17.0890% | 3,316 |
| Memoranda: | ||
| Average total assets | $96,685,000 | 4,941 |
| Average earning assets | $91,461,000 | 4,857 |
| Average equity | $9,839,500 | 5,024 |
| Average total loans | $44,370,000 | 5,286 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 4,763 |
| Cost of funding earning assets | 0.5755% | 4,583 |
| Net interest margin | 3.5761% | 4,201 |
| Noninterest income to average assets | 0.6604% | 2,935 |
| Noninterest expense to average assets | 2.6546% | 4,559 |
| Loan and lease loss provision to assets | 0.1556% | 3,667 |
| Net operating income to assets | 1.2305% | 1,501 |
| Return on assets (ROA) | 1.2305% | 1,669 |
| Pretax return on assets | 1.2305% | 2,680 |
| Return on Equity (ROE) | 12.0591% | 1,494 |
| Retained earnings to average equity (ytd only) | 8.5086% | 962 |
| Net charge-offs to loans | 0.0587% | 5,107 |
| Credit loss provision to net charge-offs | 595.8333% | 413 |
| Earnings coverage of net charge-offs (x) | 53.0833% | 657 |
| Efficiency ratio | 65.6974% | 4,563 |
| Assets per employee ($millions) | 3.1407% | 5,761 |
| Cash dividends to net income (ytd only)* | 29.4430% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,174 |
| Loan loss allowance to noncurrent loans | 13,900.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,706 |
| Noncurrent loans to loans | 0.0067% | 6,562 |
| Net loans and leases to total assets | 46.8547% | 5,527 |
| Net loans and leases to deposits | 54.9557% | 5,561 |
| Net loans and leases to core deposits | 64.1718% | 4,937 |
| Total domestic deposits to total assets | 85.2591% | 3,736 |
| Equity capital to assets | 10.3523% | 3,692 |
| Core capital (leverage) ratio | 8.7292% | 5,283 |
| Tier 1 risk-based capital ratio | 16.1564% | 3,075 |
| Total risk-based capital ratio | 16.9936% | 3,252 |
| Memoranda: | ||
| Average total assets | $91,914,600 | 5,028 |
| Average earning assets | $86,881,200 | 4,943 |
| Average equity | $9,378,800 | 5,134 |
| Average total loans | $40,897,400 | 5,463 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 5,144 |
| Cost of funding earning assets | 0.5990% | 4,661 |
| Net interest margin | 3.5138% | 4,589 |
| Noninterest income to average assets | 0.6715% | 2,867 |
| Noninterest expense to average assets | 2.6436% | 4,596 |
| Loan and lease loss provision to assets | 0.1431% | 3,742 |
| Net operating income to assets | 1.2072% | 1,709 |
| Return on assets (ROA) | 1.2072% | 1,890 |
| Pretax return on assets | 1.2072% | 2,970 |
| Return on Equity (ROE) | 11.8755% | 1,673 |
| Retained earnings to average equity (ytd only) | 7.0937% | 2,069 |
| Net charge-offs to loans | 0.0700% | 4,710 |
| Credit loss provision to net charge-offs | 466.6667% | 572 |
| Earnings coverage of net charge-offs (x) | 44.0464% | 820 |
| Efficiency ratio | 66.1915% | 4,416 |
| Assets per employee ($millions) | 2.8706% | 6,262 |
| Cash dividends to net income (ytd only)* | 40.2661% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 6,481 |
| Loan loss allowance to noncurrent loans | 9,400.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,797 |
| Noncurrent loans to loans | 0.0092% | 6,648 |
| Net loans and leases to total assets | 47.0955% | 5,649 |
| Net loans and leases to deposits | 57.0282% | 5,532 |
| Net loans and leases to core deposits | 66.8568% | 4,860 |
| Total domestic deposits to total assets | 82.5829% | 4,800 |
| Equity capital to assets | 10.6077% | 3,726 |
| Core capital (leverage) ratio | 8.4005% | 5,897 |
| Tier 1 risk-based capital ratio | 15.9067% | 3,320 |
| Total risk-based capital ratio | 16.6790% | 3,530 |
| Memoranda: | ||
| Average total assets | $91,338,000 | 5,091 |
| Average earning assets | $86,363,000 | 5,003 |
| Average equity | $9,285,000 | 5,201 |
| Average total loans | $39,980,750 | 5,573 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 5,418 |
| Cost of funding earning assets | 0.6125% | 4,785 |
| Net interest margin | 3.4572% | 4,851 |
| Noninterest income to average assets | 0.7349% | 2,496 |
| Noninterest expense to average assets | 2.6370% | 4,664 |
| Loan and lease loss provision to assets | 0.0987% | 4,296 |
| Net operating income to assets | 1.2680% | 1,519 |
| Return on assets (ROA) | 1.2680% | 1,686 |
| Pretax return on assets | 1.2680% | 2,655 |
| Return on Equity (ROE) | 12.6588% | 1,456 |
| Retained earnings to average equity (ytd only) | 7.1178% | 2,037 |
| Net charge-offs to loans | 0.0671% | 4,492 |
| Credit loss provision to net charge-offs | 346.1538% | 844 |
| Earnings coverage of net charge-offs (x) | 47.9231% | 758 |
| Efficiency ratio | 65.8630% | 4,557 |
| Assets per employee ($millions) | 2.9984% | 6,071 |
| Cash dividends to net income (ytd only)* | 43.7716% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 6,649 |
| Loan loss allowance to noncurrent loans | 11,033.3333% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 6,625 |
| Noncurrent loans to loans | 0.0073% | 6,700 |
| Net loans and leases to total assets | 43.6606% | 6,047 |
| Net loans and leases to deposits | 53.2187% | 5,933 |
| Net loans and leases to core deposits | 65.2964% | 5,080 |
| Total domestic deposits to total assets | 82.0400% | 5,113 |
| Equity capital to assets | 10.0967% | 4,190 |
| Core capital (leverage) ratio | 7.8848% | 6,383 |
| Tier 1 risk-based capital ratio | 16.2077% | 3,062 |
| Total risk-based capital ratio | 16.9159% | 3,314 |
| Memoranda: | ||
| Average total assets | $91,164,670 | 5,130 |
| Average earning assets | $86,197,330 | 5,039 |
| Average equity | $9,132,000 | 5,232 |
| Average total loans | $38,762,000 | 5,655 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 5,590 |
| Cost of funding earning assets | 0.6323% | 4,871 |
| Net interest margin | 3.4235% | 5,012 |
| Noninterest income to average assets | 0.6558% | 2,896 |
| Noninterest expense to average assets | 2.6055% | 4,801 |
| Loan and lease loss provision to assets | 0.0665% | 4,583 |
| Net operating income to assets | 1.2230% | 1,677 |
| Return on assets (ROA) | 1.2230% | 1,860 |
| Pretax return on assets | 1.2230% | 2,824 |
| Return on Equity (ROE) | 12.2592% | 1,596 |
| Retained earnings to average equity (ytd only) | 8.7058% | 1,695 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8942% | 4,378 |
| Assets per employee ($millions) | 3.1172% | 5,926 |
| Cash dividends to net income (ytd only)* | 28.9855% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 6,713 |
| Loan loss allowance to noncurrent loans | 523.3333% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 6,645 |
| Noncurrent loans to loans | 0.1559% | 6,369 |
| Net loans and leases to total assets | 40.8236% | 6,280 |
| Net loans and leases to deposits | 49.0959% | 6,212 |
| Net loans and leases to core deposits | 59.7272% | 5,559 |
| Total domestic deposits to total assets | 83.1507% | 4,863 |
| Equity capital to assets | 9.8228% | 4,340 |
| Core capital (leverage) ratio | 8.1451% | 6,100 |
| Tier 1 risk-based capital ratio | 16.4942% | 2,909 |
| Total risk-based capital ratio | 17.1900% | 3,173 |
| Memoranda: | ||
| Average total assets | $90,271,500 | 5,198 |
| Average earning assets | $85,409,000 | 5,103 |
| Average equity | $9,005,500 | 5,279 |
| Average total loans | $37,686,000 | 5,745 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 5,930 |
| Cost of funding earning assets | 0.7647% | 5,100 |
| Net interest margin | 3.4806% | 5,218 |
| Noninterest income to average assets | 0.6406% | 2,944 |
| Noninterest expense to average assets | 2.6857% | 4,800 |
| Loan and lease loss provision to assets | 0.0332% | 6,148 |
| Net operating income to assets | 1.2206% | 1,460 |
| Return on assets (ROA) | 1.2206% | 1,566 |
| Pretax return on assets | 1.2206% | 2,386 |
| Return on Equity (ROE) | 11.9086% | 1,428 |
| Retained earnings to average equity (ytd only) | 0.4282% | 5,633 |
| Net charge-offs to loans | 0.1853% | 4,660 |
| Credit loss provision to net charge-offs | 45.1613% | 5,530 |
| Earnings coverage of net charge-offs (x) | 17.0484% | 1,292 |
| Efficiency ratio | 68.1722% | 4,320 |
| Assets per employee ($millions) | 3.1081% | 5,883 |
| Cash dividends to net income (ytd only)* | 96.4043% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 6,713 |
| Loan loss allowance to noncurrent loans | 524.5614% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 6,710 |
| Noncurrent loans to loans | 0.1546% | 6,442 |
| Net loans and leases to total assets | 42.0357% | 6,384 |
| Net loans and leases to deposits | 51.8115% | 6,229 |
| Net loans and leases to core deposits | 63.3148% | 5,534 |
| Total domestic deposits to total assets | 81.1321% | 5,414 |
| Equity capital to assets | 10.1406% | 3,984 |
| Core capital (leverage) ratio | 8.3374% | 5,797 |
| Tier 1 risk-based capital ratio | 17.1659% | 2,527 |
| Total risk-based capital ratio | 17.8740% | 2,731 |
| Memoranda: | ||
| Average total assets | $84,299,800 | 5,330 |
| Average earning assets | $79,900,400 | 5,234 |
| Average equity | $8,640,800 | 5,374 |
| Average total loans | $33,459,600 | 5,980 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2287% | 6,142 |
| Cost of funding earning assets | 0.7979% | 5,162 |
| Net interest margin | 3.4308% | 5,461 |
| Noninterest income to average assets | 0.6522% | 2,863 |
| Noninterest expense to average assets | 2.7617% | 4,491 |
| Loan and lease loss provision to assets | 0.0319% | 6,043 |
| Net operating income to assets | 1.1082% | 1,937 |
| Return on assets (ROA) | 1.1082% | 2,079 |
| Pretax return on assets | 1.1082% | 2,972 |
| Return on Equity (ROE) | 10.7815% | 1,935 |
| Retained earnings to average equity (ytd only) | 2.2959% | 4,973 |
| Net charge-offs to loans | 0.1309% | 4,739 |
| Credit loss provision to net charge-offs | 62.5000% | 4,726 |
| Earnings coverage of net charge-offs (x) | 22.3415% | 1,156 |
| Efficiency ratio | 70.7805% | 3,793 |
| Assets per employee ($millions) | 3.0823% | 5,941 |
| Cash dividends to net income (ytd only)* | 78.7059% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,663 |
| Loan loss allowance to noncurrent loans | 433.7838% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 6,610 |
| Noncurrent loans to loans | 0.2026% | 6,468 |
| Net loans and leases to total assets | 41.9593% | 6,508 |
| Net loans and leases to deposits | 51.8172% | 6,381 |
| Net loans and leases to core deposits | 63.4670% | 5,677 |
| Total domestic deposits to total assets | 80.9756% | 5,441 |
| Equity capital to assets | 10.4513% | 3,768 |
| Core capital (leverage) ratio | 8.6666% | 5,463 |
| Tier 1 risk-based capital ratio | 17.3711% | 2,497 |
| Total risk-based capital ratio | 18.1286% | 2,658 |
| Memoranda: | ||
| Average total assets | $83,618,250 | 5,383 |
| Average earning assets | $79,202,500 | 5,294 |
| Average equity | $8,594,750 | 5,412 |
| Average total loans | $32,604,250 | 6,096 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 6,046 |
| Cost of funding earning assets | 0.8353% | 5,165 |
| Net interest margin | 3.4560% | 5,339 |
| Noninterest income to average assets | 0.6528% | 2,814 |
| Noninterest expense to average assets | 2.8166% | 4,357 |
| Loan and lease loss provision to assets | 0.0314% | 5,921 |
| Net operating income to assets | 1.0759% | 1,952 |
| Return on assets (ROA) | 1.0759% | 2,046 |
| Pretax return on assets | 1.0759% | 2,951 |
| Return on Equity (ROE) | 10.5288% | 1,941 |
| Retained earnings to average equity (ytd only) | 0.7098% | 5,571 |
| Net charge-offs to loans | 0.0639% | 5,001 |
| Credit loss provision to net charge-offs | 130.0000% | 2,346 |
| Earnings coverage of net charge-offs (x) | 45.8000% | 675 |
| Efficiency ratio | 71.7807% | 3,784 |
| Assets per employee ($millions) | 2.9048% | 6,294 |
| Cash dividends to net income (ytd only)* | 93.2584% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 6,202 |
| Loan loss allowance to noncurrent loans | 230.1370% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 5,485 |
| Noncurrent loans to loans | 0.4499% | 6,010 |
| Net loans and leases to total assets | 38.1229% | 6,853 |
| Net loans and leases to deposits | 47.5996% | 6,748 |
| Net loans and leases to core deposits | 57.5943% | 6,300 |
| Total domestic deposits to total assets | 80.0909% | 5,796 |
| Equity capital to assets | 10.4228% | 3,615 |
| Core capital (leverage) ratio | 8.3960% | 5,717 |
| Tier 1 risk-based capital ratio | 18.4662% | 2,023 |
| Total risk-based capital ratio | 19.3228% | 2,107 |
| Memoranda: | ||
| Average total assets | $82,722,670 | 5,465 |
| Average earning assets | $78,298,670 | 5,366 |
| Average equity | $8,453,000 | 5,473 |
| Average total loans | $31,294,330 | 6,230 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 5,831 |
| Cost of funding earning assets | 0.8487% | 5,281 |
| Net interest margin | 3.5080% | 4,972 |
| Noninterest income to average assets | 0.6539% | 2,817 |
| Noninterest expense to average assets | 2.7963% | 4,458 |
| Loan and lease loss provision to assets | 0.0244% | 5,656 |
| Net operating income to assets | 1.1615% | 1,621 |
| Return on assets (ROA) | 1.1615% | 1,675 |
| Pretax return on assets | 1.1615% | 2,509 |
| Return on Equity (ROE) | 11.4844% | 1,604 |
| Retained earnings to average equity (ytd only) | 5.1632% | 3,081 |
| Net charge-offs to loans | 0.0260% | 4,725 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 266 |
| Efficiency ratio | 70.2206% | 4,212 |
| Assets per employee ($millions) | 2.9421% | 6,250 |
| Cash dividends to net income (ytd only)* | 55.0420% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 6,044 |
| Loan loss allowance to noncurrent loans | 316.9811% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 5,648 |
| Noncurrent loans to loans | 0.3472% | 6,296 |
| Net loans and leases to total assets | 35.3926% | 7,029 |
| Net loans and leases to deposits | 43.2485% | 6,977 |
| Net loans and leases to core deposits | 51.3476% | 6,711 |
| Total domestic deposits to total assets | 81.8354% | 5,376 |
| Equity capital to assets | 9.8488% | 3,965 |
| Core capital (leverage) ratio | 8.9377% | 4,715 |
| Tier 1 risk-based capital ratio | 19.1358% | 1,763 |
| Total risk-based capital ratio | 20.0141% | 1,834 |
| Memoranda: | ||
| Average total assets | $81,965,000 | 5,524 |
| Average earning assets | $77,765,500 | 5,420 |
| Average equity | $8,289,500 | 5,525 |
| Average total loans | $30,716,500 | 6,306 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 4,882 |
| Cost of funding earning assets | 1.0233% | 5,574 |
| Net interest margin | 3.9053% | 3,459 |
| Noninterest income to average assets | 0.6978% | 2,852 |
| Noninterest expense to average assets | 2.8857% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5153% | 737 |
| Return on assets (ROA) | 1.5233% | 788 |
| Pretax return on assets | 1.5233% | 1,317 |
| Return on Equity (ROE) | 13.7186% | 940 |
| Retained earnings to average equity (ytd only) | 2.5498% | 4,087 |
| Net charge-offs to loans | 0.0538% | 6,253 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 342 |
| Efficiency ratio | 65.5693% | 5,052 |
| Assets per employee ($millions) | 2.8075% | 6,516 |
| Cash dividends to net income (ytd only)* | 81.4136% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 6,035 |
| Loan loss allowance to noncurrent loans | 61.8959% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 5,639 |
| Noncurrent loans to loans | 1.7411% | 3,894 |
| Net loans and leases to total assets | 38.8844% | 7,028 |
| Net loans and leases to deposits | 48.1309% | 6,945 |
| Net loans and leases to core deposits | 56.8487% | 6,640 |
| Total domestic deposits to total assets | 80.7887% | 5,595 |
| Equity capital to assets | 10.4007% | 3,273 |
| Core capital (leverage) ratio | 9.1216% | 4,313 |
| Tier 1 risk-based capital ratio | 19.6700% | 1,561 |
| Total risk-based capital ratio | 20.5781% | 1,601 |
| Memoranda: | ||
| Average total assets | $75,233,200 | 5,736 |
| Average earning assets | $71,339,200 | 5,621 |
| Average equity | $8,353,600 | 5,600 |
| Average total loans | $29,738,800 | 6,408 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 4,814 |
| Cost of funding earning assets | 1.0528% | 5,686 |
| Net interest margin | 3.9467% | 3,334 |
| Noninterest income to average assets | 0.6811% | 2,936 |
| Noninterest expense to average assets | 2.9233% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5002% | 924 |
| Return on assets (ROA) | 1.5056% | 995 |
| Pretax return on assets | 1.5056% | 1,599 |
| Return on Equity (ROE) | 13.3362% | 1,176 |
| Retained earnings to average equity (ytd only) | 4.7471% | 3,161 |
| Net charge-offs to loans | 0.0045% | 6,608 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 839.0752% | 27 |
| Efficiency ratio | 66.0859% | 4,837 |
| Assets per employee ($millions) | 2.5283% | 7,050 |
| Cash dividends to net income (ytd only)* | 64.4053% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,833 |
| Loan loss allowance to noncurrent loans | 62.8159% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 5,650 |
| Noncurrent loans to loans | 1.7922% | 3,958 |
| Net loans and leases to total assets | 40.2945% | 7,059 |
| Net loans and leases to deposits | 50.7404% | 6,966 |
| Net loans and leases to core deposits | 59.3387% | 6,649 |
| Total domestic deposits to total assets | 79.4130% | 5,893 |
| Equity capital to assets | 11.1379% | 2,827 |
| Core capital (leverage) ratio | 9.6869% | 3,633 |
| Tier 1 risk-based capital ratio | 20.3718% | 1,471 |
| Total risk-based capital ratio | 21.3432% | 1,495 |
| Memoranda: | ||
| Average total assets | $74,389,000 | 5,824 |
| Average earning assets | $70,538,000 | 5,722 |
| Average equity | $8,398,000 | 5,659 |
| Average total loans | $29,448,500 | 6,511 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 4,885 |
| Cost of funding earning assets | 1.0717% | 5,818 |
| Net interest margin | 3.9421% | 3,274 |
| Noninterest income to average assets | 0.6657% | 2,926 |
| Noninterest expense to average assets | 2.8659% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5426% | 829 |
| Return on assets (ROA) | 1.5453% | 880 |
| Pretax return on assets | 1.5453% | 1,447 |
| Return on Equity (ROE) | 13.6255% | 1,113 |
| Retained earnings to average equity (ytd only) | 3.8180% | 3,664 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0092% | 5,148 |
| Assets per employee ($millions) | 2.4539% | 7,161 |
| Cash dividends to net income (ytd only)* | 71.9790% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 5,756 |
| Loan loss allowance to noncurrent loans | 61.8794% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 5,590 |
| Noncurrent loans to loans | 1.8377% | 3,954 |
| Net loans and leases to total assets | 41.2152% | 7,084 |
| Net loans and leases to deposits | 52.0081% | 6,975 |
| Net loans and leases to core deposits | 60.5633% | 6,672 |
| Total domestic deposits to total assets | 79.2477% | 5,958 |
| Equity capital to assets | 11.4187% | 2,508 |
| Core capital (leverage) ratio | 9.6430% | 3,617 |
| Tier 1 risk-based capital ratio | 20.3554% | 1,455 |
| Total risk-based capital ratio | 21.3477% | 1,471 |
| Memoranda: | ||
| Average total assets | $73,902,330 | 5,871 |
| Average earning assets | $70,166,000 | 5,763 |
| Average equity | $8,381,330 | 5,669 |
| Average total loans | $28,961,000 | 6,584 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 5,298 |
| Cost of funding earning assets | 1.0817% | 5,981 |
| Net interest margin | 3.8509% | 3,561 |
| Noninterest income to average assets | 0.6645% | 2,853 |
| Noninterest expense to average assets | 2.7983% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5396% | 836 |
| Return on assets (ROA) | 1.5450% | 888 |
| Pretax return on assets | 1.5450% | 1,408 |
| Return on Equity (ROE) | 13.6695% | 1,111 |
| Retained earnings to average equity (ytd only) | 7.4561% | 1,944 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5081% | 5,390 |
| Assets per employee ($millions) | 2.8124% | 6,614 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,214 |
| Loan loss allowance to noncurrent loans | 49.7151% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0886% | 4,970 |
| Noncurrent loans to loans | 2.5153% | 3,159 |
| Net loans and leases to total assets | 37.6899% | 7,359 |
| Net loans and leases to deposits | 46.8811% | 7,286 |
| Net loans and leases to core deposits | 55.3403% | 7,026 |
| Total domestic deposits to total assets | 80.3947% | 5,658 |
| Equity capital to assets | 11.5039% | 2,357 |
| Core capital (leverage) ratio | 9.8945% | 3,291 |
| Tier 1 risk-based capital ratio | 21.6176% | 1,251 |
| Total risk-based capital ratio | 22.6721% | 1,257 |
| Memoranda: | ||
| Average total assets | $74,045,500 | 5,937 |
| Average earning assets | $70,632,000 | 5,828 |
| Average equity | $8,369,000 | 5,722 |
| Average total loans | $28,096,500 | 6,710 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 6,547 |
| Cost of funding earning assets | 1.2697% | 6,407 |
| Net interest margin | 3.6933% | 4,174 |
| Noninterest income to average assets | 0.7313% | 2,779 |
| Noninterest expense to average assets | 2.3870% | 6,506 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8786% | 305 |
| Return on assets (ROA) | 1.8825% | 308 |
| Pretax return on assets | 1.8825% | 528 |
| Return on Equity (ROE) | 18.4991% | 334 |
| Retained earnings to average equity (ytd only) | 6.9436% | 978 |
| Net charge-offs to loans | 0.0396% | 6,720 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 144.1000% | 202 |
| Efficiency ratio | 55.9597% | 7,020 |
| Assets per employee ($millions) | 2.9987% | 6,231 |
| Cash dividends to net income (ytd only)* | 62.4654% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 5,147 |
| Loan loss allowance to noncurrent loans | 43.6796% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 4,961 |
| Noncurrent loans to loans | 2.8249% | 2,731 |
| Net loans and leases to total assets | 37.2626% | 7,470 |
| Net loans and leases to deposits | 46.3929% | 7,422 |
| Net loans and leases to core deposits | 60.1581% | 7,257 |
| Total domestic deposits to total assets | 80.3196% | 5,579 |
| Equity capital to assets | 11.1061% | 2,619 |
| Core capital (leverage) ratio | 9.7350% | 3,406 |
| Tier 1 risk-based capital ratio | 20.7059% | 1,344 |
| Total risk-based capital ratio | 21.7384% | 1,341 |
| Memoranda: | ||
| Average total assets | $76,707,800 | 5,815 |
| Average earning assets | $73,402,600 | 5,705 |
| Average equity | $7,805,800 | 5,996 |
| Average total loans | $25,237,800 | 6,897 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 6,765 |
| Cost of funding earning assets | 1.3293% | 6,470 |
| Net interest margin | 3.6194% | 4,409 |
| Noninterest income to average assets | 0.7121% | 2,936 |
| Noninterest expense to average assets | 2.3523% | 6,545 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8234% | 419 |
| Return on assets (ROA) | 1.8286% | 440 |
| Pretax return on assets | 1.8286% | 755 |
| Return on Equity (ROE) | 18.3777% | 419 |
| Retained earnings to average equity (ytd only) | 8.9805% | 840 |
| Net charge-offs to loans | 0.0545% | 6,162 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 105.5236% | 347 |
| Efficiency ratio | 56.3328% | 6,954 |
| Assets per employee ($millions) | 3.0980% | 5,913 |
| Cash dividends to net income (ytd only)* | 51.1346% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 3,790 |
| Loan loss allowance to noncurrent loans | 64.0367% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 5,417 |
| Noncurrent loans to loans | 2.2310% | 3,344 |
| Net loans and leases to total assets | 33.7937% | 7,694 |
| Net loans and leases to deposits | 43.0990% | 7,647 |
| Net loans and leases to core deposits | 58.1029% | 7,461 |
| Total domestic deposits to total assets | 78.4093% | 5,976 |
| Equity capital to assets | 11.5855% | 2,516 |
| Core capital (leverage) ratio | 9.6839% | 3,671 |
| Tier 1 risk-based capital ratio | 23.5149% | 1,052 |
| Total risk-based capital ratio | 24.6915% | 1,033 |
| Memoranda: | ||
| Average total assets | $77,142,750 | 5,841 |
| Average earning assets | $73,821,500 | 5,728 |
| Average equity | $7,675,750 | 6,091 |
| Average total loans | $24,476,250 | 7,005 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9236% | 6,978 |
| Cost of funding earning assets | 1.3886% | 6,517 |
| Net interest margin | 3.5350% | 4,639 |
| Noninterest income to average assets | 0.6750% | 3,154 |
| Noninterest expense to average assets | 2.2931% | 6,771 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7672% | 502 |
| Return on assets (ROA) | 1.7748% | 534 |
| Pretax return on assets | 1.7748% | 886 |
| Return on Equity (ROE) | 18.7634% | 423 |
| Retained earnings to average equity (ytd only) | 7.8047% | 1,274 |
| Net charge-offs to loans | 0.0817% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 69.9000% | 534 |
| Efficiency ratio | 56.4757% | 7,061 |
| Assets per employee ($millions) | 3.2726% | 5,388 |
| Cash dividends to net income (ytd only)* | 58.4046% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 3,622 |
| Loan loss allowance to noncurrent loans | 67.5048% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 5,694 |
| Noncurrent loans to loans | 2.1030% | 3,377 |
| Net loans and leases to total assets | 32.1974% | 7,834 |
| Net loans and leases to deposits | 41.3440% | 7,776 |
| Net loans and leases to core deposits | 57.5353% | 7,538 |
| Total domestic deposits to total assets | 77.8770% | 6,111 |
| Equity capital to assets | 10.3879% | 3,529 |
| Core capital (leverage) ratio | 8.6878% | 5,112 |
| Tier 1 risk-based capital ratio | 22.1457% | 1,226 |
| Total risk-based capital ratio | 23.2874% | 1,220 |
| Memoranda: | ||
| Average total assets | $79,106,000 | 5,830 |
| Average earning assets | $75,757,670 | 5,680 |
| Average equity | $7,482,670 | 6,189 |
| Average total loans | $24,492,330 | 7,057 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 7,387 |
| Cost of funding earning assets | 1.4451% | 6,596 |
| Net interest margin | 3.3444% | 5,344 |
| Noninterest income to average assets | 0.6270% | 3,365 |
| Noninterest expense to average assets | 2.1524% | 7,003 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6736% | 686 |
| Return on assets (ROA) | 1.6736% | 753 |
| Pretax return on assets | 1.6736% | 1,233 |
| Return on Equity (ROE) | 18.5385% | 548 |
| Retained earnings to average equity (ytd only) | 11.4294% | 896 |
| Net charge-offs to loans | 0.0164% | 5,349 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 115 |
| Efficiency ratio | 56.2581% | 6,937 |
| Assets per employee ($millions) | 3.5343% | 4,743 |
| Cash dividends to net income (ytd only)* | 38.3481% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,992 |
| Loan loss allowance to noncurrent loans | 76.3326% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 5,744 |
| Noncurrent loans to loans | 1.9648% | 3,313 |
| Net loans and leases to total assets | 28.9236% | 7,939 |
| Net loans and leases to deposits | 35.7407% | 7,948 |
| Net loans and leases to core deposits | 50.4918% | 7,776 |
| Total domestic deposits to total assets | 80.9263% | 5,002 |
| Equity capital to assets | 9.2779% | 4,972 |
| Core capital (leverage) ratio | 8.4952% | 5,548 |
| Tier 1 risk-based capital ratio | 21.3796% | 1,393 |
| Total risk-based capital ratio | 22.5276% | 1,375 |
| Memoranda: | ||
| Average total assets | $81,024,000 | 5,781 |
| Average earning assets | $77,502,500 | 5,637 |
| Average equity | $7,314,500 | 6,289 |
| Average total loans | $24,446,500 | 7,104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 7,147 |
| Cost of funding earning assets | 2.0400% | 6,281 |
| Net interest margin | 3.5330% | 5,179 |
| Noninterest income to average assets | 0.7313% | 2,894 |
| Noninterest expense to average assets | 2.1066% | 7,221 |
| Loan and lease loss provision to assets | 0.1322% | 5,671 |
| Net operating income to assets | 1.8408% | 508 |
| Return on assets (ROA) | 1.9162% | 405 |
| Pretax return on assets | 1.9162% | 739 |
| Return on Equity (ROE) | 21.3566% | 286 |
| Retained earnings to average equity (ytd only) | 7.3105% | 1,054 |
| Net charge-offs to loans | 0.0156% | 6,663 |
| Credit loss provision to net charge-offs | 2,500.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 130 |
| Efficiency ratio | 51.6370% | 7,525 |
| Assets per employee ($millions) | 3.5112% | 4,626 |
| Cash dividends to net income (ytd only)* | 65.7695% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 3,004 |
| Loan loss allowance to noncurrent loans | 74.1736% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 5,398 |
| Noncurrent loans to loans | 1.9342% | 2,855 |
| Net loans and leases to total assets | 30.5406% | 7,975 |
| Net loans and leases to deposits | 38.2050% | 7,972 |
| Net loans and leases to core deposits | 54.7663% | 7,777 |
| Total domestic deposits to total assets | 79.9388% | 5,044 |
| Equity capital to assets | 8.7756% | 5,695 |
| Core capital (leverage) ratio | 8.3155% | 5,921 |
| Tier 1 risk-based capital ratio | 20.3812% | 1,554 |
| Total risk-based capital ratio | 21.5142% | 1,543 |
| Memoranda: | ||
| Average total assets | $75,618,200 | 5,855 |
| Average earning assets | $71,667,200 | 5,755 |
| Average equity | $6,784,800 | 6,533 |
| Average total loans | $25,630,400 | 6,989 |