Home > The American Bank of Sidney, Nebraska > Performance and Condition Ratios
The American Bank of Sidney, Nebraska, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2829% | 5,150 |
| Cost of funding earning assets | 0.1261% | 5,325 |
| Net interest margin | 3.1568% | 4,599 |
| Noninterest income to average assets | 0.3072% | 4,117 |
| Noninterest expense to average assets | 2.1157% | 4,565 |
| Loan and lease loss provision to assets | 0.0915% | 2,095 |
| Net operating income to assets | 1.0589% | 2,761 |
| Return on assets (ROA) | 1.0589% | 2,762 |
| Pretax return on assets | 1.1003% | 3,313 |
| Return on Equity (ROE) | 8.7164% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.7164% | 1,314 |
| Net charge-offs to loans | 0.2768% | 577 |
| Credit loss provision to net charge-offs | 93.3333% | 2,127 |
| Earnings coverage of net charge-offs (x) | 12.1556% | 2,220 |
| Efficiency ratio | 63.9657% | 3,319 |
| Assets per employee ($millions) | 5.3215% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 1,518 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 4,047 |
| Noncurrent loans to loans | 0.0121% | 4,894 |
| Net loans and leases to total assets | 36.0725% | 5,177 |
| Net loans and leases to deposits | 49.3460% | 4,997 |
| Net loans and leases to core deposits | 50.7772% | 5,025 |
| Total domestic deposits to total assets | 73.1012% | 5,115 |
| Equity capital to assets | 12.5872% | 1,492 |
| Core capital (leverage) ratio | 12.5559% | 1,405 |
| Tier 1 risk-based capital ratio | 26.3189% | 650 |
| Total risk-based capital ratio | 27.4301% | 643 |
| Memoranda: | ||
| Average total assets | $91,789,670 | 4,323 |
| Average earning assets | $87,240,670 | 4,269 |
| Average equity | $11,151,330 | 4,215 |
| Average total loans | $32,512,330 | 4,855 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1885% | 5,242 |
| Cost of funding earning assets | 0.1193% | 5,391 |
| Net interest margin | 3.0692% | 4,766 |
| Noninterest income to average assets | 0.2769% | 4,316 |
| Noninterest expense to average assets | 2.1330% | 4,573 |
| Loan and lease loss provision to assets | 0.0909% | 1,990 |
| Net operating income to assets | 0.9086% | 3,257 |
| Return on assets (ROA) | 0.9086% | 3,265 |
| Pretax return on assets | 0.9475% | 3,711 |
| Return on Equity (ROE) | 7.6132% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.6132% | 1,985 |
| Net charge-offs to loans | 0.2732% | 570 |
| Credit loss provision to net charge-offs | 95.4545% | 1,630 |
| Earnings coverage of net charge-offs (x) | 10.9091% | 1,877 |
| Efficiency ratio | 67.2578% | 2,961 |
| Assets per employee ($millions) | 5.4731% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,467 |
| Loan loss allowance to noncurrent loans | 382.6772% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 4,037 |
| Noncurrent loans to loans | 0.3919% | 3,383 |
| Net loans and leases to total assets | 34.3056% | 5,263 |
| Net loans and leases to deposits | 46.3387% | 5,090 |
| Net loans and leases to core deposits | 47.5927% | 5,113 |
| Total domestic deposits to total assets | 74.0324% | 5,153 |
| Equity capital to assets | 11.9504% | 1,825 |
| Core capital (leverage) ratio | 12.1035% | 1,587 |
| Tier 1 risk-based capital ratio | 25.4307% | 725 |
| Total risk-based capital ratio | 26.5353% | 722 |
| Memoranda: | ||
| Average total assets | $92,452,000 | 4,362 |
| Average earning assets | $87,189,000 | 4,319 |
| Average equity | $11,033,500 | 4,270 |
| Average total loans | $32,210,000 | 4,912 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1716% | 5,224 |
| Cost of funding earning assets | 0.0991% | 5,500 |
| Net interest margin | 3.0725% | 4,743 |
| Noninterest income to average assets | 0.3197% | 4,176 |
| Noninterest expense to average assets | 2.1466% | 4,660 |
| Loan and lease loss provision to assets | 0.1066% | 2,103 |
| Net operating income to assets | 0.9512% | 2,441 |
| Return on assets (ROA) | 0.9512% | 2,475 |
| Pretax return on assets | 0.9911% | 3,611 |
| Return on Equity (ROE) | 8.1331% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.1331% | 719 |
| Net charge-offs to loans | 0.1445% | 1,634 |
| Credit loss provision to net charge-offs | 192.0000% | 1,418 |
| Earnings coverage of net charge-offs (x) | 19.7800% | 2,006 |
| Efficiency ratio | 66.1649% | 3,237 |
| Assets per employee ($millions) | 5.4036% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 1,337 |
| Loan loss allowance to noncurrent loans | 9,740.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 4,709 |
| Noncurrent loans to loans | 0.0156% | 4,961 |
| Net loans and leases to total assets | 34.3214% | 5,334 |
| Net loans and leases to deposits | 47.2047% | 5,155 |
| Net loans and leases to core deposits | 48.5225% | 5,179 |
| Total domestic deposits to total assets | 72.7077% | 5,282 |
| Equity capital to assets | 11.9180% | 1,895 |
| Core capital (leverage) ratio | 11.7718% | 1,748 |
| Tier 1 risk-based capital ratio | 25.5772% | 687 |
| Total risk-based capital ratio | 26.7117% | 682 |
| Memoranda: | ||
| Average total assets | $90,097,800 | 4,421 |
| Average earning assets | $85,760,600 | 4,364 |
| Average equity | $10,537,200 | 4,374 |
| Average total loans | $34,603,600 | 4,880 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1414% | 5,296 |
| Cost of funding earning assets | 0.0918% | 5,586 |
| Net interest margin | 3.0496% | 4,815 |
| Noninterest income to average assets | 0.3182% | 4,260 |
| Noninterest expense to average assets | 2.1236% | 4,684 |
| Loan and lease loss provision to assets | 0.1071% | 1,983 |
| Net operating income to assets | 0.9607% | 2,721 |
| Return on assets (ROA) | 0.9607% | 2,777 |
| Pretax return on assets | 1.0023% | 3,683 |
| Return on Equity (ROE) | 8.2544% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.2544% | 1,108 |
| Net charge-offs to loans | 0.1286% | 1,498 |
| Credit loss provision to net charge-offs | 211.7647% | 1,294 |
| Earnings coverage of net charge-offs (x) | 21.9422% | 1,891 |
| Efficiency ratio | 65.6854% | 3,265 |
| Assets per employee ($millions) | 5.5538% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 1,928 |
| Loan loss allowance to noncurrent loans | 725.7576% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 4,448 |
| Noncurrent loans to loans | 0.1917% | 4,312 |
| Net loans and leases to total assets | 35.9661% | 5,349 |
| Net loans and leases to deposits | 49.1454% | 5,153 |
| Net loans and leases to core deposits | 50.7040% | 5,174 |
| Total domestic deposits to total assets | 73.1830% | 5,299 |
| Equity capital to assets | 11.4146% | 2,451 |
| Core capital (leverage) ratio | 11.7466% | 1,851 |
| Tier 1 risk-based capital ratio | 24.5553% | 802 |
| Total risk-based capital ratio | 25.6476% | 790 |
| Memoranda: | ||
| Average total assets | $89,657,000 | 4,474 |
| Average earning assets | $85,692,500 | 4,408 |
| Average equity | $10,434,500 | 4,429 |
| Average total loans | $35,250,750 | 4,910 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1271% | 5,325 |
| Cost of funding earning assets | 0.0808% | 5,656 |
| Net interest margin | 3.0463% | 4,804 |
| Noninterest income to average assets | 0.3157% | 4,284 |
| Noninterest expense to average assets | 2.1755% | 4,611 |
| Loan and lease loss provision to assets | 0.1090% | 1,872 |
| Net operating income to assets | 0.8993% | 2,916 |
| Return on assets (ROA) | 0.8993% | 2,973 |
| Pretax return on assets | 0.9424% | 3,788 |
| Return on Equity (ROE) | 7.6742% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.6742% | 1,290 |
| Net charge-offs to loans | 0.1689% | 1,152 |
| Credit loss provision to net charge-offs | 160.0000% | 1,463 |
| Earnings coverage of net charge-offs (x) | 15.4333% | 2,028 |
| Efficiency ratio | 67.4173% | 3,112 |
| Assets per employee ($millions) | 5.2839% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,594 |
| Loan loss allowance to noncurrent loans | 1,360.6061% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,640 |
| Noncurrent loans to loans | 0.0930% | 4,754 |
| Net loans and leases to total assets | 39.0043% | 5,258 |
| Net loans and leases to deposits | 50.5738% | 5,118 |
| Net loans and leases to core deposits | 52.1905% | 5,138 |
| Total domestic deposits to total assets | 77.1235% | 4,940 |
| Equity capital to assets | 11.7238% | 2,133 |
| Core capital (leverage) ratio | 11.9065% | 1,688 |
| Tier 1 risk-based capital ratio | 23.4854% | 900 |
| Total risk-based capital ratio | 24.5104% | 907 |
| Memoranda: | ||
| Average total assets | $88,071,330 | 4,525 |
| Average earning assets | $84,168,330 | 4,461 |
| Average equity | $10,320,330 | 4,464 |
| Average total loans | $35,522,330 | 4,940 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1069% | 5,359 |
| Cost of funding earning assets | 0.0860% | 5,701 |
| Net interest margin | 3.0209% | 4,849 |
| Noninterest income to average assets | 0.3165% | 4,288 |
| Noninterest expense to average assets | 2.2891% | 4,435 |
| Loan and lease loss provision to assets | 0.1101% | 1,740 |
| Net operating income to assets | 0.7707% | 3,361 |
| Return on assets (ROA) | 0.7707% | 3,418 |
| Pretax return on assets | 0.8166% | 4,050 |
| Return on Equity (ROE) | 6.5786% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.5786% | 2,041 |
| Net charge-offs to loans | 0.0338% | 2,105 |
| Credit loss provision to net charge-offs | 800.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 738 |
| Efficiency ratio | 71.1840% | 2,704 |
| Assets per employee ($millions) | 5.2465% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,625 |
| Loan loss allowance to noncurrent loans | 779.3103% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 4,586 |
| Noncurrent loans to loans | 0.1646% | 4,524 |
| Net loans and leases to total assets | 38.9983% | 5,291 |
| Net loans and leases to deposits | 51.9537% | 5,038 |
| Net loans and leases to core deposits | 53.6742% | 5,077 |
| Total domestic deposits to total assets | 75.0636% | 5,326 |
| Equity capital to assets | 11.5483% | 2,152 |
| Core capital (leverage) ratio | 11.5609% | 1,906 |
| Tier 1 risk-based capital ratio | 22.9865% | 981 |
| Total risk-based capital ratio | 24.0187% | 984 |
| Memoranda: | ||
| Average total assets | $87,194,000 | 4,582 |
| Average earning assets | $83,683,500 | 4,513 |
| Average equity | $10,215,000 | 4,509 |
| Average total loans | $35,541,000 | 4,982 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 5,229 |
| Cost of funding earning assets | 0.0845% | 5,763 |
| Net interest margin | 3.1714% | 4,533 |
| Noninterest income to average assets | 0.3329% | 4,351 |
| Noninterest expense to average assets | 2.2275% | 4,707 |
| Loan and lease loss provision to assets | 0.1363% | 1,836 |
| Net operating income to assets | 0.9159% | 2,747 |
| Return on assets (ROA) | 0.9159% | 2,856 |
| Pretax return on assets | 0.9502% | 3,656 |
| Return on Equity (ROE) | 7.9224% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.9224% | 879 |
| Net charge-offs to loans | 0.1182% | 2,073 |
| Credit loss provision to net charge-offs | 261.3636% | 1,102 |
| Earnings coverage of net charge-offs (x) | 20.8409% | 1,832 |
| Efficiency ratio | 67.2149% | 3,399 |
| Assets per employee ($millions) | 5.0116% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 3,113 |
| Loan loss allowance to noncurrent loans | 1,795.8333% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 4,778 |
| Noncurrent loans to loans | 0.0670% | 4,974 |
| Net loans and leases to total assets | 41.5695% | 5,252 |
| Net loans and leases to deposits | 55.2193% | 4,956 |
| Net loans and leases to core deposits | 57.1300% | 5,010 |
| Total domestic deposits to total assets | 75.2808% | 5,319 |
| Equity capital to assets | 11.8901% | 1,887 |
| Core capital (leverage) ratio | 11.9804% | 1,613 |
| Tier 1 risk-based capital ratio | 23.3674% | 929 |
| Total risk-based capital ratio | 24.3839% | 940 |
| Memoranda: | ||
| Average total assets | $84,400,200 | 4,640 |
| Average earning assets | $79,333,800 | 4,602 |
| Average equity | $9,757,200 | 4,622 |
| Average total loans | $37,229,800 | 4,973 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2644% | 5,258 |
| Cost of funding earning assets | 0.0846% | 5,831 |
| Net interest margin | 3.1798% | 4,542 |
| Noninterest income to average assets | 0.3135% | 4,528 |
| Noninterest expense to average assets | 2.2580% | 4,630 |
| Loan and lease loss provision to assets | 0.0760% | 2,700 |
| Net operating income to assets | 0.9200% | 2,810 |
| Return on assets (ROA) | 0.9200% | 2,928 |
| Pretax return on assets | 0.9548% | 3,791 |
| Return on Equity (ROE) | 8.0158% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.0158% | 1,167 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6567% | 3,107 |
| Assets per employee ($millions) | 4.8973% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 3,950 |
| Loan loss allowance to noncurrent loans | 251.8519% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 4,657 |
| Noncurrent loans to loans | 0.4287% | 3,753 |
| Net loans and leases to total assets | 44.9047% | 5,149 |
| Net loans and leases to deposits | 60.3870% | 4,728 |
| Net loans and leases to core deposits | 62.5743% | 4,800 |
| Total domestic deposits to total assets | 74.3616% | 5,398 |
| Equity capital to assets | 11.9934% | 2,122 |
| Core capital (leverage) ratio | 11.7185% | 1,870 |
| Tier 1 risk-based capital ratio | 22.2349% | 1,107 |
| Total risk-based capital ratio | 23.1695% | 1,125 |
| Memoranda: | ||
| Average total assets | $84,201,000 | 4,679 |
| Average earning assets | $78,788,000 | 4,644 |
| Average equity | $9,664,000 | 4,685 |
| Average total loans | $37,575,500 | 5,005 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2322% | 5,384 |
| Cost of funding earning assets | 0.0865% | 5,904 |
| Net interest margin | 3.1457% | 4,704 |
| Noninterest income to average assets | 0.3029% | 4,626 |
| Noninterest expense to average assets | 2.2978% | 4,617 |
| Loan and lease loss provision to assets | 0.0710% | 2,718 |
| Net operating income to assets | 0.8235% | 3,202 |
| Return on assets (ROA) | 0.8235% | 3,336 |
| Pretax return on assets | 0.8590% | 4,086 |
| Return on Equity (ROE) | 7.2826% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.2826% | 1,479 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1877% | 2,791 |
| Assets per employee ($millions) | 4.9600% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 4,378 |
| Loan loss allowance to noncurrent loans | 293.2331% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,876 |
| Noncurrent loans to loans | 0.3497% | 4,119 |
| Net loans and leases to total assets | 44.6478% | 5,195 |
| Net loans and leases to deposits | 58.1071% | 4,895 |
| Net loans and leases to core deposits | 60.1150% | 4,975 |
| Total domestic deposits to total assets | 76.8370% | 5,181 |
| Equity capital to assets | 11.5785% | 2,466 |
| Core capital (leverage) ratio | 11.6882% | 1,853 |
| Tier 1 risk-based capital ratio | 21.6282% | 1,180 |
| Total risk-based capital ratio | 22.5204% | 1,211 |
| Memoranda: | ||
| Average total assets | $84,516,670 | 4,715 |
| Average earning assets | $78,584,000 | 4,686 |
| Average equity | $9,557,000 | 4,734 |
| Average total loans | $37,503,000 | 5,058 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2167% | 5,465 |
| Cost of funding earning assets | 0.0869% | 5,963 |
| Net interest margin | 3.1298% | 4,783 |
| Noninterest income to average assets | 0.2884% | 4,665 |
| Noninterest expense to average assets | 2.3636% | 4,481 |
| Loan and lease loss provision to assets | 0.0709% | 2,535 |
| Net operating income to assets | 0.7138% | 3,642 |
| Return on assets (ROA) | 0.7138% | 3,763 |
| Pretax return on assets | 0.7469% | 4,372 |
| Return on Equity (ROE) | 6.3888% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.3888% | 2,188 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2942% | 2,428 |
| Assets per employee ($millions) | 4.8366% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 4,527 |
| Loan loss allowance to noncurrent loans | 2,205.8824% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 5,563 |
| Noncurrent loans to loans | 0.0460% | 5,308 |
| Net loans and leases to total assets | 44.5185% | 5,218 |
| Net loans and leases to deposits | 56.2628% | 4,966 |
| Net loans and leases to core deposits | 58.3256% | 5,027 |
| Total domestic deposits to total assets | 79.1260% | 4,938 |
| Equity capital to assets | 11.6076% | 2,340 |
| Core capital (leverage) ratio | 11.1794% | 2,241 |
| Tier 1 risk-based capital ratio | 21.4089% | 1,245 |
| Total risk-based capital ratio | 22.2766% | 1,288 |
| Memoranda: | ||
| Average total assets | $84,615,000 | 4,755 |
| Average earning assets | $78,216,000 | 4,741 |
| Average equity | $9,454,000 | 4,771 |
| Average total loans | $37,236,000 | 5,103 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9987% | 5,728 |
| Cost of funding earning assets | 0.0910% | 5,998 |
| Net interest margin | 2.9078% | 5,326 |
| Noninterest income to average assets | 0.3104% | 4,670 |
| Noninterest expense to average assets | 2.3295% | 4,706 |
| Loan and lease loss provision to assets | 0.0433% | 3,462 |
| Net operating income to assets | 0.6488% | 4,041 |
| Return on assets (ROA) | 0.6488% | 4,141 |
| Pretax return on assets | 0.6699% | 4,618 |
| Return on Equity (ROE) | 6.1093% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.1093% | 1,739 |
| Net charge-offs to loans | 0.0200% | 3,870 |
| Credit loss provision to net charge-offs | 528.5714% | 620 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 647 |
| Efficiency ratio | 76.5589% | 2,182 |
| Assets per employee ($millions) | 5.1181% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 4,808 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 5,584 |
| Noncurrent loans to loans | 0.0640% | 5,253 |
| Net loans and leases to total assets | 42.6777% | 5,365 |
| Net loans and leases to deposits | 56.0236% | 5,037 |
| Net loans and leases to core deposits | 58.0375% | 5,099 |
| Total domestic deposits to total assets | 76.1781% | 5,423 |
| Equity capital to assets | 10.7622% | 3,063 |
| Core capital (leverage) ratio | 11.1400% | 2,273 |
| Tier 1 risk-based capital ratio | 20.2464% | 1,438 |
| Total risk-based capital ratio | 21.0477% | 1,492 |
| Memoranda: | ||
| Average total assets | $85,383,800 | 4,758 |
| Average earning assets | $80,233,600 | 4,710 |
| Average equity | $9,068,200 | 4,830 |
| Average total loans | $35,002,800 | 5,193 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9301% | 5,868 |
| Cost of funding earning assets | 0.0909% | 6,085 |
| Net interest margin | 2.8391% | 5,515 |
| Noninterest income to average assets | 0.2997% | 4,789 |
| Noninterest expense to average assets | 2.3362% | 4,687 |
| Loan and lease loss provision to assets | 0.0424% | 3,363 |
| Net operating income to assets | 0.5946% | 4,411 |
| Return on assets (ROA) | 0.5946% | 4,511 |
| Pretax return on assets | 0.6150% | 4,940 |
| Return on Equity (ROE) | 5.6183% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.6183% | 2,511 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0398% | 1,934 |
| Assets per employee ($millions) | 4.5818% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 4,954 |
| Loan loss allowance to noncurrent loans | 1,487.5000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 5,673 |
| Noncurrent loans to loans | 0.0643% | 5,360 |
| Net loans and leases to total assets | 44.8322% | 5,299 |
| Net loans and leases to deposits | 58.1471% | 4,995 |
| Net loans and leases to core deposits | 60.8105% | 5,013 |
| Total domestic deposits to total assets | 77.1013% | 5,326 |
| Equity capital to assets | 11.1747% | 2,821 |
| Core capital (leverage) ratio | 11.0291% | 2,456 |
| Tier 1 risk-based capital ratio | 20.3704% | 1,461 |
| Total risk-based capital ratio | 21.1854% | 1,526 |
| Memoranda: | ||
| Average total assets | $84,977,750 | 4,819 |
| Average earning assets | $80,633,750 | 4,760 |
| Average equity | $8,994,250 | 4,910 |
| Average total loans | $34,380,250 | 5,268 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8433% | 5,989 |
| Cost of funding earning assets | 0.0887% | 6,170 |
| Net interest margin | 2.7546% | 5,700 |
| Noninterest income to average assets | 0.2960% | 4,840 |
| Noninterest expense to average assets | 2.3050% | 4,829 |
| Loan and lease loss provision to assets | 0.0420% | 3,270 |
| Net operating income to assets | 0.5337% | 4,639 |
| Return on assets (ROA) | 0.5337% | 4,743 |
| Pretax return on assets | 0.5547% | 5,090 |
| Return on Equity (ROE) | 5.1343% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.1343% | 2,774 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4378% | 1,846 |
| Assets per employee ($millions) | 4.7943% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 4,894 |
| Loan loss allowance to noncurrent loans | 1,338.4615% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 5,755 |
| Noncurrent loans to loans | 0.0743% | 5,434 |
| Net loans and leases to total assets | 40.1601% | 5,619 |
| Net loans and leases to deposits | 49.5872% | 5,526 |
| Net loans and leases to core deposits | 51.8771% | 5,541 |
| Total domestic deposits to total assets | 80.9889% | 4,620 |
| Equity capital to assets | 10.4870% | 3,452 |
| Core capital (leverage) ratio | 10.7459% | 2,682 |
| Tier 1 risk-based capital ratio | 20.7492% | 1,416 |
| Total risk-based capital ratio | 21.5702% | 1,455 |
| Memoranda: | ||
| Average total assets | $85,813,000 | 4,859 |
| Average earning assets | $81,174,330 | 4,799 |
| Average equity | $8,920,330 | 4,959 |
| Average total loans | $33,396,670 | 5,348 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7763% | 6,084 |
| Cost of funding earning assets | 0.0889% | 6,241 |
| Net interest margin | 2.6874% | 5,821 |
| Noninterest income to average assets | 0.2851% | 4,891 |
| Noninterest expense to average assets | 2.3746% | 4,669 |
| Loan and lease loss provision to assets | 0.0421% | 3,071 |
| Net operating income to assets | 0.3927% | 5,095 |
| Return on assets (ROA) | 0.3927% | 5,210 |
| Pretax return on assets | 0.4114% | 5,408 |
| Return on Equity (ROE) | 3.7943% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.7943% | 3,731 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9669% | 1,388 |
| Assets per employee ($millions) | 4.7644% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 4,743 |
| Loan loss allowance to noncurrent loans | 1,168.9655% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 5,803 |
| Noncurrent loans to loans | 0.0901% | 5,422 |
| Net loans and leases to total assets | 37.1308% | 5,766 |
| Net loans and leases to deposits | 45.1629% | 5,697 |
| Net loans and leases to core deposits | 47.2147% | 5,706 |
| Total domestic deposits to total assets | 82.2153% | 4,453 |
| Equity capital to assets | 10.4012% | 3,647 |
| Core capital (leverage) ratio | 10.2792% | 3,244 |
| Tier 1 risk-based capital ratio | 21.3547% | 1,360 |
| Total risk-based capital ratio | 22.1869% | 1,412 |
| Memoranda: | ||
| Average total assets | $85,571,000 | 4,909 |
| Average earning assets | $80,971,000 | 4,847 |
| Average equity | $8,855,500 | 5,020 |
| Average total loans | $32,592,500 | 5,417 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7456% | 6,237 |
| Cost of funding earning assets | 0.0995% | 6,328 |
| Net interest margin | 2.6460% | 6,016 |
| Noninterest income to average assets | 0.3189% | 4,835 |
| Noninterest expense to average assets | 2.2127% | 5,326 |
| Loan and lease loss provision to assets | 0.0139% | 4,337 |
| Net operating income to assets | 0.5996% | 4,368 |
| Return on assets (ROA) | 0.5996% | 4,466 |
| Pretax return on assets | 0.6204% | 4,871 |
| Return on Equity (ROE) | 6.0984% | 4,095 |
| Retained earnings to average equity (ytd only) | 6.0984% | 1,858 |
| Net charge-offs to loans | 0.0067% | 4,791 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 273.5000% | 196 |
| Efficiency ratio | 77.7189% | 2,247 |
| Assets per employee ($millions) | 4.7435% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 5,062 |
| Loan loss allowance to noncurrent loans | 846.1538% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,853 |
| Noncurrent loans to loans | 0.1182% | 5,423 |
| Net loans and leases to total assets | 38.2664% | 5,834 |
| Net loans and leases to deposits | 49.8011% | 5,585 |
| Net loans and leases to core deposits | 52.6619% | 5,584 |
| Total domestic deposits to total assets | 76.8385% | 5,624 |
| Equity capital to assets | 10.2960% | 3,726 |
| Core capital (leverage) ratio | 10.5656% | 2,883 |
| Tier 1 risk-based capital ratio | 20.7210% | 1,465 |
| Total risk-based capital ratio | 21.5127% | 1,515 |
| Memoranda: | ||
| Average total assets | $86,227,800 | 4,921 |
| Average earning assets | $82,387,200 | 4,842 |
| Average equity | $8,477,600 | 5,088 |
| Average total loans | $29,918,600 | 5,565 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6825% | 6,342 |
| Cost of funding earning assets | 0.0963% | 6,424 |
| Net interest margin | 2.5862% | 6,149 |
| Noninterest income to average assets | 0.3131% | 4,937 |
| Noninterest expense to average assets | 2.2258% | 5,298 |
| Loan and lease loss provision to assets | 0.0139% | 4,134 |
| Net operating income to assets | 0.5368% | 4,727 |
| Return on assets (ROA) | 0.5368% | 4,799 |
| Pretax return on assets | 0.5584% | 5,159 |
| Return on Equity (ROE) | 5.5242% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.5242% | 2,727 |
| Net charge-offs to loans | 0.0092% | 4,408 |
| Credit loss provision to net charge-offs | 450.0000% | 631 |
| Earnings coverage of net charge-offs (x) | 185.2622% | 347 |
| Efficiency ratio | 79.5480% | 1,981 |
| Assets per employee ($millions) | 4.8089% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,159 |
| Loan loss allowance to noncurrent loans | 2,515.3846% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 6,119 |
| Noncurrent loans to loans | 0.0402% | 5,855 |
| Net loans and leases to total assets | 36.9374% | 5,996 |
| Net loans and leases to deposits | 47.0260% | 5,818 |
| Net loans and leases to core deposits | 49.6182% | 5,809 |
| Total domestic deposits to total assets | 78.5467% | 5,428 |
| Equity capital to assets | 9.9503% | 4,227 |
| Core capital (leverage) ratio | 9.8540% | 3,869 |
| Tier 1 risk-based capital ratio | 21.1293% | 1,428 |
| Total risk-based capital ratio | 21.9451% | 1,482 |
| Memoranda: | ||
| Average total assets | $86,439,000 | 4,969 |
| Average earning assets | $83,055,000 | 4,867 |
| Average equity | $8,399,250 | 5,150 |
| Average total loans | $29,147,500 | 5,656 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5642% | 6,457 |
| Cost of funding earning assets | 0.0941% | 6,495 |
| Net interest margin | 2.4701% | 6,305 |
| Noninterest income to average assets | 0.3056% | 4,958 |
| Noninterest expense to average assets | 2.2523% | 5,278 |
| Loan and lease loss provision to assets | 0.0139% | 3,981 |
| Net operating income to assets | 0.3889% | 5,266 |
| Return on assets (ROA) | 0.3889% | 5,335 |
| Pretax return on assets | 0.4097% | 5,529 |
| Return on Equity (ROE) | 4.0346% | 5,129 |
| Retained earnings to average equity (ytd only) | 4.0346% | 3,610 |
| Net charge-offs to loans | 0.0142% | 3,951 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 593 |
| Efficiency ratio | 84.1696% | 1,493 |
| Assets per employee ($millions) | 4.8491% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 5,017 |
| Loan loss allowance to noncurrent loans | 2,492.3077% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 6,198 |
| Noncurrent loans to loans | 0.0430% | 5,924 |
| Net loans and leases to total assets | 34.2422% | 6,137 |
| Net loans and leases to deposits | 42.3223% | 6,058 |
| Net loans and leases to core deposits | 44.5631% | 6,043 |
| Total domestic deposits to total assets | 80.9083% | 5,011 |
| Equity capital to assets | 9.6765% | 4,521 |
| Core capital (leverage) ratio | 9.6022% | 4,175 |
| Tier 1 risk-based capital ratio | 21.6666% | 1,318 |
| Total risk-based capital ratio | 22.5133% | 1,370 |
| Memoranda: | ||
| Average total assets | $86,398,670 | 5,011 |
| Average earning assets | $82,912,000 | 4,905 |
| Average equity | $8,328,000 | 5,190 |
| Average total loans | $28,096,670 | 5,741 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4563% | 6,561 |
| Cost of funding earning assets | 0.0919% | 6,584 |
| Net interest margin | 2.3645% | 6,441 |
| Noninterest income to average assets | 0.2932% | 5,028 |
| Noninterest expense to average assets | 2.3221% | 5,140 |
| Loan and lease loss provision to assets | 0.0140% | 3,646 |
| Net operating income to assets | 0.2094% | 5,774 |
| Return on assets (ROA) | 0.2094% | 5,828 |
| Pretax return on assets | 0.2327% | 5,865 |
| Return on Equity (ROE) | 2.1768% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.1768% | 4,732 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3986% | 995 |
| Assets per employee ($millions) | 4.9831% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 4,583 |
| Loan loss allowance to noncurrent loans | 3,230.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 6,295 |
| Noncurrent loans to loans | 0.0375% | 6,037 |
| Net loans and leases to total assets | 29.3380% | 6,378 |
| Net loans and leases to deposits | 35.7250% | 6,327 |
| Net loans and leases to core deposits | 37.9419% | 6,313 |
| Total domestic deposits to total assets | 82.1218% | 4,904 |
| Equity capital to assets | 9.2446% | 4,823 |
| Core capital (leverage) ratio | 9.4938% | 4,286 |
| Tier 1 risk-based capital ratio | 23.8885% | 1,017 |
| Total risk-based capital ratio | 24.8328% | 1,044 |
| Memoranda: | ||
| Average total assets | $85,956,000 | 5,068 |
| Average earning assets | $82,725,000 | 4,950 |
| Average equity | $8,269,000 | 5,227 |
| Average total loans | $27,039,000 | 5,850 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4575% | 6,628 |
| Cost of funding earning assets | 0.1027% | 6,664 |
| Net interest margin | 2.3548% | 6,480 |
| Noninterest income to average assets | 0.3591% | 4,731 |
| Noninterest expense to average assets | 2.2075% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3986% | 5,145 |
| Return on assets (ROA) | 0.3986% | 5,264 |
| Pretax return on assets | 0.4034% | 5,490 |
| Return on Equity (ROE) | 4.1260% | 5,045 |
| Retained earnings to average equity (ytd only) | 4.1260% | 3,234 |
| Net charge-offs to loans | 0.0040% | 5,400 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 126 |
| Efficiency ratio | 84.5484% | 1,567 |
| Assets per employee ($millions) | 4.5676% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 4,827 |
| Loan loss allowance to noncurrent loans | 10,666.6667% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 6,436 |
| Noncurrent loans to loans | 0.0109% | 6,249 |
| Net loans and leases to total assets | 32.9863% | 6,336 |
| Net loans and leases to deposits | 41.1933% | 6,264 |
| Net loans and leases to core deposits | 44.0739% | 6,219 |
| Total domestic deposits to total assets | 80.0769% | 5,428 |
| Equity capital to assets | 10.0297% | 3,732 |
| Core capital (leverage) ratio | 9.8578% | 3,764 |
| Tier 1 risk-based capital ratio | 22.9292% | 1,107 |
| Total risk-based capital ratio | 23.8323% | 1,142 |
| Memoranda: | ||
| Average total assets | $83,535,000 | 5,147 |
| Average earning assets | $79,879,400 | 5,039 |
| Average equity | $8,070,800 | 5,320 |
| Average total loans | $24,969,200 | 5,989 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4128% | 6,723 |
| Cost of funding earning assets | 0.1016% | 6,761 |
| Net interest margin | 2.3111% | 6,581 |
| Noninterest income to average assets | 0.3545% | 4,860 |
| Noninterest expense to average assets | 2.2130% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3243% | 5,520 |
| Return on assets (ROA) | 0.3243% | 5,643 |
| Pretax return on assets | 0.3466% | 5,755 |
| Return on Equity (ROE) | 3.3884% | 5,476 |
| Retained earnings to average equity (ytd only) | 3.3884% | 4,278 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4596% | 1,323 |
| Assets per employee ($millions) | 4.7070% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 4,997 |
| Loan loss allowance to noncurrent loans | 5,350.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 6,493 |
| Noncurrent loans to loans | 0.0219% | 6,287 |
| Net loans and leases to total assets | 31.9158% | 6,454 |
| Net loans and leases to deposits | 39.1762% | 6,411 |
| Net loans and leases to core deposits | 41.7809% | 6,393 |
| Total domestic deposits to total assets | 81.4673% | 5,097 |
| Equity capital to assets | 9.5909% | 4,431 |
| Core capital (leverage) ratio | 9.5819% | 4,282 |
| Tier 1 risk-based capital ratio | 22.4450% | 1,237 |
| Total risk-based capital ratio | 23.3458% | 1,287 |
| Memoranda: | ||
| Average total assets | $83,864,750 | 5,192 |
| Average earning assets | $80,016,250 | 5,090 |
| Average equity | $8,027,000 | 5,385 |
| Average total loans | $24,351,500 | 6,071 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3741% | 6,779 |
| Cost of funding earning assets | 0.1005% | 6,823 |
| Net interest margin | 2.2736% | 6,640 |
| Noninterest income to average assets | 0.3446% | 4,933 |
| Noninterest expense to average assets | 2.2279% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2537% | 5,769 |
| Return on assets (ROA) | 0.2537% | 5,894 |
| Pretax return on assets | 0.2824% | 5,917 |
| Return on Equity (ROE) | 2.6520% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.6520% | 4,621 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7512% | 1,153 |
| Assets per employee ($millions) | 4.7842% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,540 |
| Loan loss allowance to noncurrent loans | 8,025.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,558 |
| Noncurrent loans to loans | 0.0161% | 6,378 |
| Net loans and leases to total assets | 28.4399% | 6,623 |
| Net loans and leases to deposits | 33.9460% | 6,611 |
| Net loans and leases to core deposits | 36.0985% | 6,605 |
| Total domestic deposits to total assets | 83.7798% | 4,422 |
| Equity capital to assets | 9.3073% | 4,846 |
| Core capital (leverage) ratio | 9.3833% | 4,412 |
| Tier 1 risk-based capital ratio | 23.4202% | 1,071 |
| Total risk-based capital ratio | 24.3716% | 1,102 |
| Memoranda: | ||
| Average total assets | $83,577,670 | 5,233 |
| Average earning assets | $79,609,330 | 5,130 |
| Average equity | $7,994,000 | 5,431 |
| Average total loans | $23,348,000 | 6,161 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4002% | 6,840 |
| Cost of funding earning assets | 0.1026% | 6,906 |
| Net interest margin | 2.2977% | 6,686 |
| Noninterest income to average assets | 0.3305% | 5,056 |
| Noninterest expense to average assets | 2.2695% | 5,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2090% | 5,858 |
| Return on assets (ROA) | 0.2090% | 5,975 |
| Pretax return on assets | 0.2381% | 5,996 |
| Return on Equity (ROE) | 2.1544% | 5,889 |
| Retained earnings to average equity (ytd only) | 2.1544% | 4,925 |
| Net charge-offs to loans | 0.0177% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 683 |
| Efficiency ratio | 90.5039% | 1,100 |
| Assets per employee ($millions) | 4.7527% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,993 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,613 |
| Noncurrent loans to loans | 0.0228% | 6,426 |
| Net loans and leases to total assets | 25.3098% | 6,746 |
| Net loans and leases to deposits | 30.6295% | 6,730 |
| Net loans and leases to core deposits | 32.4778% | 6,709 |
| Total domestic deposits to total assets | 82.6320% | 4,978 |
| Equity capital to assets | 9.3597% | 5,047 |
| Core capital (leverage) ratio | 9.2856% | 4,424 |
| Tier 1 risk-based capital ratio | 25.3290% | 856 |
| Total risk-based capital ratio | 26.3629% | 862 |
| Memoranda: | ||
| Average total assets | $82,309,000 | 5,311 |
| Average earning assets | $77,992,000 | 5,206 |
| Average equity | $7,983,500 | 5,489 |
| Average total loans | $22,616,000 | 6,246 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5554% | 6,915 |
| Cost of funding earning assets | 0.1281% | 6,961 |
| Net interest margin | 2.4273% | 6,763 |
| Noninterest income to average assets | 0.3696% | 4,834 |
| Noninterest expense to average assets | 2.2862% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3500% | 5,293 |
| Return on assets (ROA) | 0.3500% | 5,512 |
| Pretax return on assets | 0.3794% | 5,628 |
| Return on Equity (ROE) | 3.6732% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.6732% | 3,638 |
| Net charge-offs to loans | 0.0046% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 310.0000% | 128 |
| Efficiency ratio | 85.7668% | 1,452 |
| Assets per employee ($millions) | 4.3928% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,264 |
| Loan loss allowance to noncurrent loans | 6,420.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 6,680 |
| Noncurrent loans to loans | 0.0215% | 6,480 |
| Net loans and leases to total assets | 29.0110% | 6,732 |
| Net loans and leases to deposits | 35.5313% | 6,695 |
| Net loans and leases to core deposits | 37.8925% | 6,679 |
| Total domestic deposits to total assets | 81.6492% | 5,210 |
| Equity capital to assets | 10.0670% | 4,081 |
| Core capital (leverage) ratio | 9.4807% | 4,133 |
| Tier 1 risk-based capital ratio | 24.8165% | 874 |
| Total risk-based capital ratio | 25.8380% | 882 |
| Memoranda: | ||
| Average total assets | $81,707,800 | 5,307 |
| Average earning assets | $77,286,000 | 5,206 |
| Average equity | $7,786,200 | 5,559 |
| Average total loans | $21,898,200 | 6,343 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5360% | 7,041 |
| Cost of funding earning assets | 0.1318% | 7,071 |
| Net interest margin | 2.4043% | 6,890 |
| Noninterest income to average assets | 0.3432% | 5,068 |
| Noninterest expense to average assets | 2.3115% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2768% | 5,692 |
| Return on assets (ROA) | 0.2768% | 5,888 |
| Pretax return on assets | 0.3059% | 5,943 |
| Return on Equity (ROE) | 2.9446% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.9446% | 4,793 |
| Net charge-offs to loans | 0.0124% | 5,531 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 94.3783% | 444 |
| Efficiency ratio | 88.3117% | 1,162 |
| Assets per employee ($millions) | 4.6208% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,550 |
| Loan loss allowance to noncurrent loans | 4,571.4286% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,767 |
| Noncurrent loans to loans | 0.0297% | 6,552 |
| Net loans and leases to total assets | 27.9675% | 6,880 |
| Net loans and leases to deposits | 32.9742% | 6,890 |
| Net loans and leases to core deposits | 34.8307% | 6,883 |
| Total domestic deposits to total assets | 84.8164% | 3,831 |
| Equity capital to assets | 9.4415% | 5,275 |
| Core capital (leverage) ratio | 9.7030% | 3,956 |
| Tier 1 risk-based capital ratio | 23.8318% | 1,043 |
| Total risk-based capital ratio | 24.8242% | 1,060 |
| Memoranda: | ||
| Average total assets | $82,367,250 | 5,341 |
| Average earning assets | $77,915,250 | 5,245 |
| Average equity | $7,742,750 | 5,626 |
| Average total loans | $21,557,750 | 6,443 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5313% | 7,114 |
| Cost of funding earning assets | 0.1416% | 7,131 |
| Net interest margin | 2.3897% | 6,965 |
| Noninterest income to average assets | 0.3532% | 5,009 |
| Noninterest expense to average assets | 2.3557% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2290% | 5,832 |
| Return on assets (ROA) | 0.2290% | 6,021 |
| Pretax return on assets | 0.2582% | 6,041 |
| Return on Equity (ROE) | 2.4397% | 5,899 |
| Retained earnings to average equity (ytd only) | 2.4397% | 4,965 |
| Net charge-offs to loans | 0.0192% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 695 |
| Efficiency ratio | 90.1212% | 1,061 |
| Assets per employee ($millions) | 4.2791% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 4,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 27.5525% | 6,944 |
| Net loans and leases to deposits | 32.5071% | 6,950 |
| Net loans and leases to core deposits | 34.3827% | 6,951 |
| Total domestic deposits to total assets | 84.7583% | 3,967 |
| Equity capital to assets | 9.5568% | 4,972 |
| Core capital (leverage) ratio | 9.3656% | 4,349 |
| Tier 1 risk-based capital ratio | 24.0648% | 1,006 |
| Total risk-based capital ratio | 25.0768% | 1,020 |
| Memoranda: | ||
| Average total assets | $82,098,000 | 5,377 |
| Average earning assets | $77,667,330 | 5,281 |
| Average equity | $7,706,000 | 5,652 |
| Average total loans | $20,883,000 | 6,515 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5050% | 7,173 |
| Cost of funding earning assets | 0.1498% | 7,190 |
| Net interest margin | 2.3552% | 7,040 |
| Noninterest income to average assets | 0.3637% | 4,966 |
| Noninterest expense to average assets | 2.4098% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1358% | 6,159 |
| Return on assets (ROA) | 0.1358% | 6,281 |
| Pretax return on assets | 0.1649% | 6,263 |
| Return on Equity (ROE) | 1.4595% | 6,233 |
| Retained earnings to average equity (ytd only) | 1.4595% | 5,506 |
| Net charge-offs to loans | 0.0401% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,325 |
| Efficiency ratio | 93.5970% | 844 |
| Assets per employee ($millions) | 4.5052% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 3,774 |
| Loan loss allowance to noncurrent loans | 581.8182% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 6,728 |
| Noncurrent loans to loans | 0.2727% | 6,134 |
| Net loans and leases to total assets | 23.1872% | 7,098 |
| Net loans and leases to deposits | 27.6809% | 7,096 |
| Net loans and leases to core deposits | 29.2123% | 7,087 |
| Total domestic deposits to total assets | 83.7662% | 4,610 |
| Equity capital to assets | 8.9744% | 5,533 |
| Core capital (leverage) ratio | 9.1017% | 4,680 |
| Tier 1 risk-based capital ratio | 24.4706% | 955 |
| Total risk-based capital ratio | 25.5087% | 966 |
| Memoranda: | ||
| Average total assets | $82,495,500 | 5,401 |
| Average earning assets | $77,444,500 | 5,316 |
| Average equity | $7,674,000 | 5,692 |
| Average total loans | $19,964,000 | 6,614 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1734% | 7,133 |
| Cost of funding earning assets | 0.2329% | 7,201 |
| Net interest margin | 2.9405% | 6,625 |
| Noninterest income to average assets | 0.3723% | 4,845 |
| Noninterest expense to average assets | 2.4850% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6235% | 3,867 |
| Return on assets (ROA) | 0.6235% | 4,068 |
| Pretax return on assets | 0.6483% | 4,516 |
| Return on Equity (ROE) | 6.1458% | 3,793 |
| Retained earnings to average equity (ytd only) | 0.0642% | 5,807 |
| Net charge-offs to loans | -0.0044% | 6,832 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3103% | 2,402 |
| Assets per employee ($millions) | 4.1785% | 3,498 |
| Cash dividends to net income (ytd only)* | 98.9562% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 3,465 |
| Loan loss allowance to noncurrent loans | 6,440.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 6,977 |
| Noncurrent loans to loans | 0.0253% | 6,763 |
| Net loans and leases to total assets | 24.4836% | 7,150 |
| Net loans and leases to deposits | 29.6225% | 7,142 |
| Net loans and leases to core deposits | 31.4226% | 7,128 |
| Total domestic deposits to total assets | 82.6519% | 4,900 |
| Equity capital to assets | 9.6559% | 4,666 |
| Core capital (leverage) ratio | 9.5941% | 3,884 |
| Tier 1 risk-based capital ratio | 25.3174% | 841 |
| Total risk-based capital ratio | 26.4017% | 840 |
| Memoranda: | ||
| Average total assets | $76,821,600 | 5,541 |
| Average earning assets | $72,130,000 | 5,468 |
| Average equity | $7,794,000 | 5,632 |
| Average total loans | $22,784,200 | 6,515 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2268% | 7,197 |
| Cost of funding earning assets | 0.2545% | 7,273 |
| Net interest margin | 2.9723% | 6,632 |
| Noninterest income to average assets | 0.3623% | 4,971 |
| Noninterest expense to average assets | 2.5396% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5916% | 4,124 |
| Return on assets (ROA) | 0.5513% | 4,492 |
| Pretax return on assets | 0.5828% | 4,874 |
| Return on Equity (ROE) | 5.3666% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.3666% | 2,937 |
| Net charge-offs to loans | -0.0113% | 6,797 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2988% | 2,218 |
| Assets per employee ($millions) | 4.1374% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 4,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 28.6309% | 7,131 |
| Net loans and leases to deposits | 34.3981% | 7,117 |
| Net loans and leases to core deposits | 36.4947% | 7,106 |
| Total domestic deposits to total assets | 83.2339% | 4,591 |
| Equity capital to assets | 10.1907% | 4,097 |
| Core capital (leverage) ratio | 10.1007% | 3,305 |
| Tier 1 risk-based capital ratio | 24.2071% | 991 |
| Total risk-based capital ratio | 25.2037% | 1,000 |
| Memoranda: | ||
| Average total assets | $76,179,000 | 5,603 |
| Average earning assets | $71,772,500 | 5,525 |
| Average equity | $7,826,000 | 5,652 |
| Average total loans | $23,540,250 | 6,557 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2538% | 7,269 |
| Cost of funding earning assets | 0.2726% | 7,344 |
| Net interest margin | 2.9812% | 6,642 |
| Noninterest income to average assets | 0.3609% | 4,991 |
| Noninterest expense to average assets | 2.5820% | 5,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5626% | 4,255 |
| Return on assets (ROA) | 0.5626% | 4,379 |
| Pretax return on assets | 0.5944% | 4,757 |
| Return on Equity (ROE) | 5.4609% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.4609% | 2,709 |
| Net charge-offs to loans | -0.0084% | 6,651 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2865% | 2,206 |
| Assets per employee ($millions) | 4.0891% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 29.9169% | 7,182 |
| Net loans and leases to deposits | 35.7172% | 7,176 |
| Net loans and leases to core deposits | 37.9057% | 7,173 |
| Total domestic deposits to total assets | 83.7602% | 4,445 |
| Equity capital to assets | 10.1658% | 3,927 |
| Core capital (leverage) ratio | 10.1216% | 3,112 |
| Tier 1 risk-based capital ratio | 23.6062% | 1,050 |
| Total risk-based capital ratio | 24.5878% | 1,063 |
| Memoranda: | ||
| Average total assets | $75,368,330 | 5,676 |
| Average earning assets | $71,179,330 | 5,588 |
| Average equity | $7,764,330 | 5,681 |
| Average total loans | $23,777,000 | 6,604 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2585% | 7,319 |
| Cost of funding earning assets | 0.2967% | 7,391 |
| Net interest margin | 2.9618% | 6,654 |
| Noninterest income to average assets | 0.3612% | 5,023 |
| Noninterest expense to average assets | 2.6574% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4690% | 4,626 |
| Return on assets (ROA) | 0.4690% | 4,707 |
| Pretax return on assets | 0.5013% | 5,023 |
| Return on Equity (ROE) | 4.5209% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.5209% | 3,457 |
| Net charge-offs to loans | 0.0167% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 335 |
| Efficiency ratio | 84.1297% | 1,945 |
| Assets per employee ($millions) | 4.1249% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 4,561 |
| Loan loss allowance to noncurrent loans | 10,666.6667% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 7,199 |
| Noncurrent loans to loans | 0.0133% | 7,037 |
| Net loans and leases to total assets | 28.3130% | 7,286 |
| Net loans and leases to deposits | 35.4303% | 7,237 |
| Net loans and leases to core deposits | 37.6919% | 7,226 |
| Total domestic deposits to total assets | 79.9117% | 5,966 |
| Equity capital to assets | 9.8719% | 3,933 |
| Core capital (leverage) ratio | 10.0285% | 3,109 |
| Tier 1 risk-based capital ratio | 21.4099% | 1,324 |
| Total risk-based capital ratio | 22.3089% | 1,357 |
| Memoranda: | ||
| Average total assets | $74,206,500 | 5,751 |
| Average earning assets | $70,093,000 | 5,665 |
| Average equity | $7,697,500 | 5,711 |
| Average total loans | $23,883,000 | 6,653 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 7,239 |
| Cost of funding earning assets | 0.4348% | 7,393 |
| Net interest margin | 3.3920% | 5,666 |
| Noninterest income to average assets | 0.4144% | 4,786 |
| Noninterest expense to average assets | 2.7570% | 4,753 |
| Loan and lease loss provision to assets | 0.1144% | 6,013 |
| Net operating income to assets | 0.6767% | 3,315 |
| Return on assets (ROA) | 0.6767% | 3,453 |
| Pretax return on assets | 0.7102% | 3,942 |
| Return on Equity (ROE) | 6.2078% | 3,512 |
| Retained earnings to average equity (ytd only) | 0.0640% | 5,553 |
| Net charge-offs to loans | 0.2584% | 4,744 |
| Credit loss provision to net charge-offs | 124.2424% | 3,315 |
| Earnings coverage of net charge-offs (x) | 8.9545% | 1,897 |
| Efficiency ratio | 76.9770% | 2,878 |
| Assets per employee ($millions) | 3.6863% | 4,496 |
| Cash dividends to net income (ytd only)* | 98.9691% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 5,156 |
| Loan loss allowance to noncurrent loans | 8,025.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,252 |
| Noncurrent loans to loans | 0.0158% | 7,111 |
| Net loans and leases to total assets | 35.6016% | 7,173 |
| Net loans and leases to deposits | 44.9871% | 7,082 |
| Net loans and leases to core deposits | 48.5391% | 7,048 |
| Total domestic deposits to total assets | 79.1373% | 6,052 |
| Equity capital to assets | 10.9339% | 2,744 |
| Core capital (leverage) ratio | 10.5325% | 2,524 |
| Tier 1 risk-based capital ratio | 21.1233% | 1,299 |
| Total risk-based capital ratio | 22.0232% | 1,331 |
| Memoranda: | ||
| Average total assets | $71,671,800 | 5,825 |
| Average earning assets | $66,922,800 | 5,771 |
| Average equity | $7,812,800 | 5,773 |
| Average total loans | $25,542,000 | 6,636 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 7,402 |
| Cost of funding earning assets | 0.4618% | 7,506 |
| Net interest margin | 3.3358% | 5,902 |
| Noninterest income to average assets | 0.3921% | 5,022 |
| Noninterest expense to average assets | 2.7376% | 4,733 |
| Loan and lease loss provision to assets | 0.1054% | 5,983 |
| Net operating income to assets | 0.6160% | 3,810 |
| Return on assets (ROA) | 0.6160% | 3,979 |
| Pretax return on assets | 0.6493% | 4,426 |
| Return on Equity (ROE) | 5.6548% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.6548% | 2,563 |
| Net charge-offs to loans | -0.0104% | 7,271 |
| Credit loss provision to net charge-offs | -2,850.0000% | 7,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3898% | 2,570 |
| Assets per employee ($millions) | 3.8250% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 4,582 |
| Loan loss allowance to noncurrent loans | 43.4886% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 4,814 |
| Noncurrent loans to loans | 3.1693% | 2,512 |
| Net loans and leases to total assets | 35.8390% | 7,271 |
| Net loans and leases to deposits | 45.1764% | 7,196 |
| Net loans and leases to core deposits | 48.5951% | 7,180 |
| Total domestic deposits to total assets | 79.3313% | 5,923 |
| Equity capital to assets | 11.0299% | 2,932 |
| Core capital (leverage) ratio | 10.8720% | 2,355 |
| Tier 1 risk-based capital ratio | 21.1410% | 1,336 |
| Total risk-based capital ratio | 22.1183% | 1,362 |
| Memoranda: | ||
| Average total assets | $72,080,000 | 5,879 |
| Average earning assets | $66,988,000 | 5,831 |
| Average equity | $7,851,500 | 5,844 |
| Average total loans | $25,613,500 | 6,721 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 7,461 |
| Cost of funding earning assets | 0.4895% | 7,558 |
| Net interest margin | 3.3604% | 5,796 |
| Noninterest income to average assets | 0.3923% | 4,970 |
| Noninterest expense to average assets | 2.7657% | 4,638 |
| Loan and lease loss provision to assets | 0.1586% | 5,302 |
| Net operating income to assets | 0.5481% | 4,103 |
| Return on assets (ROA) | 0.5481% | 4,243 |
| Pretax return on assets | 0.5815% | 4,621 |
| Return on Equity (ROE) | 5.0534% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.0534% | 2,877 |
| Net charge-offs to loans | -0.0237% | 7,306 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8889% | 2,591 |
| Assets per employee ($millions) | 3.6506% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 4,378 |
| Loan loss allowance to noncurrent loans | 42.6901% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1711% | 4,800 |
| Noncurrent loans to loans | 3.3021% | 2,426 |
| Net loans and leases to total assets | 34.9646% | 7,392 |
| Net loans and leases to deposits | 42.9323% | 7,359 |
| Net loans and leases to core deposits | 46.3657% | 7,336 |
| Total domestic deposits to total assets | 81.4412% | 5,220 |
| Equity capital to assets | 10.8189% | 3,061 |
| Core capital (leverage) ratio | 10.8553% | 2,362 |
| Tier 1 risk-based capital ratio | 19.3655% | 1,636 |
| Total risk-based capital ratio | 20.2786% | 1,674 |
| Memoranda: | ||
| Average total assets | $71,881,670 | 5,925 |
| Average earning assets | $66,598,670 | 5,881 |
| Average equity | $7,796,670 | 5,869 |
| Average total loans | $25,348,000 | 6,780 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 7,506 |
| Cost of funding earning assets | 0.5263% | 7,635 |
| Net interest margin | 3.4059% | 5,557 |
| Noninterest income to average assets | 0.3926% | 4,974 |
| Noninterest expense to average assets | 2.8212% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6955% | 3,459 |
| Return on assets (ROA) | 0.6955% | 3,573 |
| Pretax return on assets | 0.7291% | 4,126 |
| Return on Equity (ROE) | 6.4037% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.4037% | 2,410 |
| Net charge-offs to loans | -0.0638% | 7,418 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4629% | 2,656 |
| Assets per employee ($millions) | 3.5742% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 5,291 |
| Loan loss allowance to noncurrent loans | 7,725.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,490 |
| Noncurrent loans to loans | 0.0160% | 7,379 |
| Net loans and leases to total assets | 34.4986% | 7,478 |
| Net loans and leases to deposits | 42.5270% | 7,446 |
| Net loans and leases to core deposits | 46.0213% | 7,429 |
| Total domestic deposits to total assets | 81.1216% | 5,412 |
| Equity capital to assets | 10.9185% | 2,837 |
| Core capital (leverage) ratio | 10.7590% | 2,406 |
| Tier 1 risk-based capital ratio | 21.0949% | 1,328 |
| Total risk-based capital ratio | 21.9312% | 1,370 |
| Memoranda: | ||
| Average total assets | $71,317,000 | 6,010 |
| Average earning assets | $66,120,500 | 5,962 |
| Average equity | $7,745,500 | 5,929 |
| Average total loans | $25,075,500 | 6,882 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 7,459 |
| Cost of funding earning assets | 0.7784% | 7,585 |
| Net interest margin | 3.6472% | 4,361 |
| Noninterest income to average assets | 0.4283% | 4,983 |
| Noninterest expense to average assets | 2.6876% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1352% | 1,426 |
| Return on assets (ROA) | 1.1352% | 1,451 |
| Pretax return on assets | 1.1504% | 2,095 |
| Return on Equity (ROE) | 10.3281% | 1,599 |
| Retained earnings to average equity (ytd only) | 0.1135% | 4,838 |
| Net charge-offs to loans | 0.0506% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 63.8462% | 425 |
| Efficiency ratio | 70.0253% | 4,624 |
| Assets per employee ($millions) | 3.5575% | 4,875 |
| Cash dividends to net income (ytd only)* | 98.9011% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 5,287 |
| Loan loss allowance to noncurrent loans | 15,250.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 7,534 |
| Noncurrent loans to loans | 0.0079% | 7,425 |
| Net loans and leases to total assets | 34.9628% | 7,562 |
| Net loans and leases to deposits | 44.2326% | 7,508 |
| Net loans and leases to core deposits | 51.5276% | 7,544 |
| Total domestic deposits to total assets | 79.0429% | 5,967 |
| Equity capital to assets | 10.8025% | 2,863 |
| Core capital (leverage) ratio | 10.7222% | 2,408 |
| Tier 1 risk-based capital ratio | 20.6894% | 1,347 |
| Total risk-based capital ratio | 21.5120% | 1,376 |
| Memoranda: | ||
| Average total assets | $72,145,800 | 5,939 |
| Average earning assets | $67,449,600 | 5,887 |
| Average equity | $7,929,800 | 5,947 |
| Average total loans | $25,708,000 | 6,873 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 7,495 |
| Cost of funding earning assets | 0.8332% | 7,651 |
| Net interest margin | 3.6805% | 4,159 |
| Noninterest income to average assets | 0.4181% | 5,147 |
| Noninterest expense to average assets | 2.7220% | 5,238 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1363% | 1,616 |
| Return on assets (ROA) | 1.1363% | 1,690 |
| Pretax return on assets | 1.1456% | 2,428 |
| Return on Equity (ROE) | 10.2950% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.2950% | 583 |
| Net charge-offs to loans | 0.0619% | 6,083 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 51.8319% | 611 |
| Efficiency ratio | 70.3810% | 4,514 |
| Assets per employee ($millions) | 3.5578% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 5,539 |
| Loan loss allowance to noncurrent loans | 113.3333% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 6,523 |
| Noncurrent loans to loans | 0.9969% | 5,311 |
| Net loans and leases to total assets | 37.6328% | 7,563 |
| Net loans and leases to deposits | 48.7014% | 7,468 |
| Net loans and leases to core deposits | 57.0485% | 7,507 |
| Total domestic deposits to total assets | 77.2725% | 6,274 |
| Equity capital to assets | 11.6533% | 2,467 |
| Core capital (leverage) ratio | 11.5491% | 2,046 |
| Tier 1 risk-based capital ratio | 21.9503% | 1,230 |
| Total risk-based capital ratio | 22.7616% | 1,265 |
| Memoranda: | ||
| Average total assets | $72,394,750 | 5,970 |
| Average earning assets | $67,850,500 | 5,911 |
| Average equity | $7,990,750 | 5,982 |
| Average total loans | $25,839,750 | 6,922 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 7,568 |
| Cost of funding earning assets | 0.8956% | 7,705 |
| Net interest margin | 3.6704% | 4,084 |
| Noninterest income to average assets | 0.4093% | 5,204 |
| Noninterest expense to average assets | 2.7580% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0878% | 1,812 |
| Return on assets (ROA) | 1.0878% | 1,891 |
| Pretax return on assets | 1.0851% | 2,690 |
| Return on Equity (ROE) | 10.0376% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.0376% | 726 |
| Net charge-offs to loans | 0.0079% | 6,472 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 94 |
| Efficiency ratio | 71.7655% | 4,462 |
| Assets per employee ($millions) | 3.7627% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 4,812 |
| Loan loss allowance to noncurrent loans | 106.0201% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 6,471 |
| Noncurrent loans to loans | 1.1511% | 4,913 |
| Net loans and leases to total assets | 34.0970% | 7,768 |
| Net loans and leases to deposits | 42.3325% | 7,745 |
| Net loans and leases to core deposits | 49.0781% | 7,777 |
| Total domestic deposits to total assets | 80.5456% | 5,252 |
| Equity capital to assets | 10.6999% | 3,208 |
| Core capital (leverage) ratio | 10.9426% | 2,449 |
| Tier 1 risk-based capital ratio | 21.2110% | 1,362 |
| Total risk-based capital ratio | 22.0455% | 1,395 |
| Memoranda: | ||
| Average total assets | $72,807,670 | 6,009 |
| Average earning assets | $68,113,330 | 5,950 |
| Average equity | $7,890,330 | 6,056 |
| Average total loans | $25,425,000 | 6,999 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 7,404 |
| Cost of funding earning assets | 0.9705% | 7,719 |
| Net interest margin | 3.8044% | 3,426 |
| Noninterest income to average assets | 0.3856% | 5,335 |
| Noninterest expense to average assets | 2.7659% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2070% | 1,640 |
| Return on assets (ROA) | 1.2070% | 1,753 |
| Pretax return on assets | 1.1902% | 2,661 |
| Return on Equity (ROE) | 11.0634% | 1,949 |
| Retained earnings to average equity (ytd only) | 11.0634% | 955 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9153% | 4,594 |
| Assets per employee ($millions) | 3.7268% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 4,179 |
| Loan loss allowance to noncurrent loans | 113.9785% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 6,386 |
| Noncurrent loans to loans | 1.1249% | 4,736 |
| Net loans and leases to total assets | 32.8503% | 7,839 |
| Net loans and leases to deposits | 40.2893% | 7,830 |
| Net loans and leases to core deposits | 47.3983% | 7,846 |
| Total domestic deposits to total assets | 81.5362% | 4,735 |
| Equity capital to assets | 10.5856% | 3,380 |
| Core capital (leverage) ratio | 10.9266% | 2,561 |
| Tier 1 risk-based capital ratio | 21.4218% | 1,385 |
| Total risk-based capital ratio | 22.2866% | 1,415 |
| Memoranda: | ||
| Average total assets | $71,585,000 | 6,080 |
| Average earning assets | $67,184,500 | 6,003 |
| Average equity | $7,809,500 | 6,120 |
| Average total loans | $25,149,500 | 7,058 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5917% | 7,092 |
| Cost of funding earning assets | 1.4425% | 7,691 |
| Net interest margin | 4.1492% | 2,508 |
| Noninterest income to average assets | 0.4825% | 4,780 |
| Noninterest expense to average assets | 2.6470% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6589% | 733 |
| Return on assets (ROA) | 1.6589% | 703 |
| Pretax return on assets | 1.6778% | 1,194 |
| Return on Equity (ROE) | 14.7708% | 958 |
| Retained earnings to average equity (ytd only) | 4.7086% | 2,199 |
| Net charge-offs to loans | 0.0573% | 5,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 82.7143% | 506 |
| Efficiency ratio | 61.2060% | 6,125 |
| Assets per employee ($millions) | 3.4318% | 4,850 |
| Cash dividends to net income (ytd only)* | 68.1223% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 36.6839% | 7,808 |
| Net loans and leases to deposits | 46.1330% | 7,777 |
| Net loans and leases to core deposits | 54.9426% | 7,769 |
| Total domestic deposits to total assets | 79.5177% | 5,196 |
| Equity capital to assets | 11.2610% | 2,836 |
| Core capital (leverage) ratio | 11.1949% | 2,435 |
| Tier 1 risk-based capital ratio | 21.1858% | 1,437 |
| Total risk-based capital ratio | 22.0652% | 1,459 |
| Memoranda: | ||
| Average total assets | $69,020,400 | 6,063 |
| Average earning assets | $63,915,800 | 6,020 |
| Average equity | $7,751,800 | 6,190 |
| Average total loans | $24,418,800 | 7,060 |