Home > The Blanco National Bank > Performance and Condition Ratios
The Blanco National Bank, Performance and Condition Ratios
| 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 | 4.2121% | 2,446 |
| Cost of funding earning assets | 0.1723% | 5,268 |
| Net interest margin | 4.0398% | 1,524 |
| Noninterest income to average assets | 0.5057% | 3,199 |
| Noninterest expense to average assets | 3.3201% | 1,536 |
| Loan and lease loss provision to assets | 0.0732% | 2,890 |
| Net operating income to assets | 0.9794% | 2,437 |
| Return on assets (ROA) | 1.0684% | 2,148 |
| Pretax return on assets | 1.0684% | 3,224 |
| Return on Equity (ROE) | 10.8056% | 1,649 |
| Retained earnings to average equity (ytd only) | 5.4165% | 2,067 |
| Net charge-offs to loans | 0.1620% | 1,664 |
| Credit loss provision to net charge-offs | 86.5385% | 2,861 |
| Earnings coverage of net charge-offs (x) | 12.4359% | 2,451 |
| Efficiency ratio | 75.9275% | 1,992 |
| Assets per employee ($millions) | 3.3069% | 5,032 |
| Cash dividends to net income (ytd only)* | 49.8730% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 2,328 |
| Loan loss allowance to noncurrent loans | 164.9264% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 3,657 |
| Noncurrent loans to loans | 0.8143% | 2,485 |
| Net loans and leases to total assets | 48.8685% | 4,841 |
| Net loans and leases to deposits | 53.9819% | 5,013 |
| Net loans and leases to core deposits | 55.3646% | 5,077 |
| Total domestic deposits to total assets | 90.5275% | 441 |
| Equity capital to assets | 9.2948% | 4,479 |
| Core capital (leverage) ratio | 9.9415% | 3,565 |
| Tier 1 risk-based capital ratio | 18.4410% | 1,742 |
| Total risk-based capital ratio | 19.6727% | 1,712 |
| Memoranda: | ||
| Average total assets | $184,301,000 | 3,115 |
| Average earning assets | $176,418,600 | 3,047 |
| Average equity | $18,222,000 | 3,376 |
| Average total loans | $96,277,600 | 3,456 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,269 |
| Cost of funding earning assets | 0.1726% | 5,323 |
| Net interest margin | 4.0940% | 1,402 |
| Noninterest income to average assets | 0.5034% | 3,225 |
| Noninterest expense to average assets | 3.2695% | 1,632 |
| Loan and lease loss provision to assets | 0.0978% | 2,270 |
| Net operating income to assets | 1.0531% | 2,185 |
| Return on assets (ROA) | 1.1719% | 1,841 |
| Pretax return on assets | 1.1719% | 2,959 |
| Return on Equity (ROE) | 11.6772% | 1,421 |
| Retained earnings to average equity (ytd only) | 4.7633% | 2,981 |
| Net charge-offs to loans | 0.1355% | 1,620 |
| Credit loss provision to net charge-offs | 136.3636% | 1,905 |
| Earnings coverage of net charge-offs (x) | 16.0501% | 2,143 |
| Efficiency ratio | 73.9636% | 2,292 |
| Assets per employee ($millions) | 3.3313% | 5,008 |
| Cash dividends to net income (ytd only)* | 59.2088% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,642 |
| Loan loss allowance to noncurrent loans | 138.4533% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 3,287 |
| Noncurrent loans to loans | 0.9447% | 2,355 |
| Net loans and leases to total assets | 53.0853% | 4,569 |
| Net loans and leases to deposits | 59.5570% | 4,790 |
| Net loans and leases to core deposits | 61.1234% | 4,884 |
| Total domestic deposits to total assets | 89.1335% | 834 |
| Equity capital to assets | 10.3611% | 3,731 |
| Core capital (leverage) ratio | 9.7523% | 3,871 |
| Tier 1 risk-based capital ratio | 17.4630% | 2,094 |
| Total risk-based capital ratio | 18.7054% | 2,055 |
| Memoranda: | ||
| Average total assets | $184,079,000 | 3,127 |
| Average earning assets | $176,121,500 | 3,062 |
| Average equity | $18,474,250 | 3,373 |
| Average total loans | $97,414,250 | 3,440 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,337 |
| Cost of funding earning assets | 0.1714% | 5,398 |
| Net interest margin | 4.0779% | 1,421 |
| Noninterest income to average assets | 0.5044% | 3,165 |
| Noninterest expense to average assets | 3.1243% | 1,996 |
| Loan and lease loss provision to assets | 0.1464% | 1,563 |
| Net operating income to assets | 1.1304% | 1,851 |
| Return on assets (ROA) | 1.2237% | 1,617 |
| Pretax return on assets | 1.2237% | 2,689 |
| Return on Equity (ROE) | 12.3250% | 1,204 |
| Retained earnings to average equity (ytd only) | 4.0318% | 3,340 |
| Net charge-offs to loans | 0.1319% | 1,538 |
| Credit loss provision to net charge-offs | 210.9375% | 1,253 |
| Earnings coverage of net charge-offs (x) | 18.3906% | 1,826 |
| Efficiency ratio | 70.9884% | 2,823 |
| Assets per employee ($millions) | 3.3171% | 5,034 |
| Cash dividends to net income (ytd only)* | 67.2872% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,784 |
| Loan loss allowance to noncurrent loans | 492.1933% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 4,932 |
| Noncurrent loans to loans | 0.2642% | 4,416 |
| Net loans and leases to total assets | 54.1010% | 4,502 |
| Net loans and leases to deposits | 60.4799% | 4,766 |
| Net loans and leases to core deposits | 62.0996% | 4,879 |
| Total domestic deposits to total assets | 89.4529% | 706 |
| Equity capital to assets | 10.1928% | 3,987 |
| Core capital (leverage) ratio | 9.7439% | 3,878 |
| Tier 1 risk-based capital ratio | 16.6785% | 2,362 |
| Total risk-based capital ratio | 17.9172% | 2,317 |
| Memoranda: | ||
| Average total assets | $184,364,000 | 3,143 |
| Average earning assets | $176,170,000 | 3,079 |
| Average equity | $18,304,330 | 3,400 |
| Average total loans | $97,034,330 | 3,461 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,331 |
| Cost of funding earning assets | 0.1710% | 5,458 |
| Net interest margin | 4.0688% | 1,425 |
| Noninterest income to average assets | 0.4878% | 3,210 |
| Noninterest expense to average assets | 3.6327% | 976 |
| Loan and lease loss provision to assets | 0.0806% | 2,344 |
| Net operating income to assets | 0.6621% | 3,921 |
| Return on assets (ROA) | 0.6686% | 3,999 |
| Pretax return on assets | 0.6686% | 4,626 |
| Return on Equity (ROE) | 6.8262% | 3,546 |
| Retained earnings to average equity (ytd only) | -0.2001% | 5,139 |
| Net charge-offs to loans | 0.1986% | 1,003 |
| Credit loss provision to net charge-offs | 78.7234% | 1,847 |
| Earnings coverage of net charge-offs (x) | 7.2553% | 2,159 |
| Efficiency ratio | 83.0264% | 1,255 |
| Assets per employee ($millions) | 3.2085% | 5,273 |
| Cash dividends to net income (ytd only)* | 102.9316% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,941 |
| Loan loss allowance to noncurrent loans | 845.5782% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 5,158 |
| Noncurrent loans to loans | 0.1529% | 4,866 |
| Net loans and leases to total assets | 51.8766% | 4,639 |
| Net loans and leases to deposits | 57.7867% | 4,867 |
| Net loans and leases to core deposits | 59.4033% | 4,974 |
| Total domestic deposits to total assets | 89.7726% | 697 |
| Equity capital to assets | 9.9212% | 4,188 |
| Core capital (leverage) ratio | 9.4766% | 4,237 |
| Tier 1 risk-based capital ratio | 16.4508% | 2,495 |
| Total risk-based capital ratio | 17.6226% | 2,485 |
| Memoranda: | ||
| Average total assets | $183,667,000 | 3,165 |
| Average earning assets | $175,480,500 | 3,098 |
| Average equity | $17,989,500 | 3,440 |
| Average total loans | $94,641,000 | 3,517 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 1,745 |
| Cost of funding earning assets | 0.1815% | 5,440 |
| Net interest margin | 4.2682% | 1,027 |
| Noninterest income to average assets | 0.5527% | 2,997 |
| Noninterest expense to average assets | 3.5274% | 1,247 |
| Loan and lease loss provision to assets | 0.0381% | 3,577 |
| Net operating income to assets | 1.0526% | 2,115 |
| Return on assets (ROA) | 1.1254% | 1,884 |
| Pretax return on assets | 1.1254% | 2,943 |
| Return on Equity (ROE) | 11.5773% | 1,416 |
| Retained earnings to average equity (ytd only) | 6.2420% | 1,682 |
| Net charge-offs to loans | 0.1295% | 2,080 |
| Credit loss provision to net charge-offs | 53.1746% | 3,362 |
| Earnings coverage of net charge-offs (x) | 15.2222% | 2,217 |
| Efficiency ratio | 76.3822% | 2,208 |
| Assets per employee ($millions) | 3.2360% | 5,253 |
| Cash dividends to net income (ytd only)* | 46.0839% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 2,686 |
| Loan loss allowance to noncurrent loans | 330.6069% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 4,675 |
| Noncurrent loans to loans | 0.4068% | 3,997 |
| Net loans and leases to total assets | 49.8303% | 4,886 |
| Net loans and leases to deposits | 55.3086% | 5,086 |
| Net loans and leases to core deposits | 56.5396% | 5,172 |
| Total domestic deposits to total assets | 90.0950% | 592 |
| Equity capital to assets | 9.6692% | 4,342 |
| Core capital (leverage) ratio | 9.5312% | 4,129 |
| Tier 1 risk-based capital ratio | 17.1188% | 2,243 |
| Total risk-based capital ratio | 18.3474% | 2,202 |
| Memoranda: | ||
| Average total assets | $175,850,200 | 3,221 |
| Average earning assets | $167,495,400 | 3,153 |
| Average equity | $17,093,800 | 3,516 |
| Average total loans | $97,319,800 | 3,428 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 1,582 |
| Cost of funding earning assets | 0.1838% | 5,514 |
| Net interest margin | 4.3191% | 927 |
| Noninterest income to average assets | 0.5657% | 2,947 |
| Noninterest expense to average assets | 3.6430% | 1,051 |
| Loan and lease loss provision to assets | 0.0514% | 3,174 |
| Net operating income to assets | 0.9833% | 2,557 |
| Return on assets (ROA) | 1.0846% | 2,164 |
| Pretax return on assets | 1.0846% | 3,289 |
| Return on Equity (ROE) | 11.1420% | 1,647 |
| Retained earnings to average equity (ytd only) | 4.1950% | 3,483 |
| Net charge-offs to loans | 0.1600% | 1,547 |
| Credit loss provision to net charge-offs | 56.7797% | 2,950 |
| Earnings coverage of net charge-offs (x) | 11.4237% | 2,489 |
| Efficiency ratio | 77.8799% | 1,960 |
| Assets per employee ($millions) | 3.1938% | 5,298 |
| Cash dividends to net income (ytd only)* | 62.3499% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 3,084 |
| Loan loss allowance to noncurrent loans | 263.2568% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 4,692 |
| Noncurrent loans to loans | 0.4944% | 3,866 |
| Net loans and leases to total assets | 53.4660% | 4,620 |
| Net loans and leases to deposits | 59.4833% | 4,893 |
| Net loans and leases to core deposits | 60.8525% | 5,010 |
| Total domestic deposits to total assets | 89.8839% | 624 |
| Equity capital to assets | 9.6067% | 4,627 |
| Core capital (leverage) ratio | 9.5943% | 4,172 |
| Tier 1 risk-based capital ratio | 15.0243% | 3,277 |
| Total risk-based capital ratio | 16.1438% | 3,295 |
| Memoranda: | ||
| Average total assets | $173,699,750 | 3,281 |
| Average earning assets | $165,368,000 | 3,208 |
| Average equity | $16,908,500 | 3,569 |
| Average total loans | $98,358,250 | 3,444 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 1,456 |
| Cost of funding earning assets | 0.1844% | 5,579 |
| Net interest margin | 4.3440% | 848 |
| Noninterest income to average assets | 0.5884% | 2,806 |
| Noninterest expense to average assets | 3.6667% | 1,030 |
| Loan and lease loss provision to assets | 0.0779% | 2,562 |
| Net operating income to assets | 0.9815% | 2,495 |
| Return on assets (ROA) | 1.1350% | 1,905 |
| Pretax return on assets | 1.1350% | 3,029 |
| Return on Equity (ROE) | 11.6071% | 1,496 |
| Retained earnings to average equity (ytd only) | 3.6034% | 3,734 |
| Net charge-offs to loans | 0.2347% | 1,105 |
| Credit loss provision to net charge-offs | 57.7586% | 2,610 |
| Earnings coverage of net charge-offs (x) | 7.8534% | 2,619 |
| Efficiency ratio | 77.5837% | 2,128 |
| Assets per employee ($millions) | 3.1686% | 5,389 |
| Cash dividends to net income (ytd only)* | 68.9549% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 3,294 |
| Loan loss allowance to noncurrent loans | 297.1765% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 4,835 |
| Noncurrent loans to loans | 0.4343% | 4,179 |
| Net loans and leases to total assets | 55.4298% | 4,391 |
| Net loans and leases to deposits | 61.5466% | 4,732 |
| Net loans and leases to core deposits | 63.1677% | 4,863 |
| Total domestic deposits to total assets | 90.0615% | 635 |
| Equity capital to assets | 9.5248% | 4,622 |
| Core capital (leverage) ratio | 9.6279% | 4,105 |
| Tier 1 risk-based capital ratio | 14.8685% | 3,434 |
| Total risk-based capital ratio | 15.9934% | 3,430 |
| Memoranda: | ||
| Average total assets | $171,981,670 | 3,313 |
| Average earning assets | $163,811,670 | 3,254 |
| Average equity | $16,817,330 | 3,598 |
| Average total loans | $98,848,670 | 3,458 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 1,204 |
| Cost of funding earning assets | 0.1896% | 5,600 |
| Net interest margin | 4.4170% | 705 |
| Noninterest income to average assets | 0.5034% | 3,261 |
| Noninterest expense to average assets | 3.7603% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9436% | 2,540 |
| Return on assets (ROA) | 1.1496% | 1,810 |
| Pretax return on assets | 1.1496% | 2,868 |
| Return on Equity (ROE) | 11.6031% | 1,451 |
| Retained earnings to average equity (ytd only) | 3.5684% | 3,862 |
| Net charge-offs to loans | 0.1168% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.8966% | 1,695 |
| Efficiency ratio | 79.9403% | 1,905 |
| Assets per employee ($millions) | 3.0948% | 5,553 |
| Cash dividends to net income (ytd only)* | 69.2464% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 3,321 |
| Loan loss allowance to noncurrent loans | 304.7506% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 4,389 |
| Noncurrent loans to loans | 0.4314% | 4,301 |
| Net loans and leases to total assets | 55.5673% | 4,252 |
| Net loans and leases to deposits | 61.8383% | 4,587 |
| Net loans and leases to core deposits | 63.4852% | 4,742 |
| Total domestic deposits to total assets | 89.8590% | 809 |
| Equity capital to assets | 9.8075% | 4,380 |
| Core capital (leverage) ratio | 9.7408% | 3,969 |
| Tier 1 risk-based capital ratio | 14.3070% | 3,825 |
| Total risk-based capital ratio | 15.4165% | 3,830 |
| Memoranda: | ||
| Average total assets | $170,837,000 | 3,346 |
| Average earning assets | $162,463,000 | 3,289 |
| Average equity | $16,926,500 | 3,601 |
| Average total loans | $99,342,500 | 3,465 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 952 |
| Cost of funding earning assets | 0.2085% | 5,678 |
| Net interest margin | 4.6732% | 546 |
| Noninterest income to average assets | 0.5866% | 2,941 |
| Noninterest expense to average assets | 3.8283% | 948 |
| Loan and lease loss provision to assets | 0.1549% | 1,694 |
| Net operating income to assets | 1.0383% | 2,220 |
| Return on assets (ROA) | 1.0439% | 2,264 |
| Pretax return on assets | 1.0439% | 3,330 |
| Return on Equity (ROE) | 10.6622% | 1,831 |
| Retained earnings to average equity (ytd only) | 1.2327% | 5,227 |
| Net charge-offs to loans | 0.0693% | 3,486 |
| Credit loss provision to net charge-offs | 377.2727% | 695 |
| Earnings coverage of net charge-offs (x) | 29.0606% | 1,372 |
| Efficiency ratio | 76.2389% | 2,474 |
| Assets per employee ($millions) | 3.0612% | 5,616 |
| Cash dividends to net income (ytd only)* | 88.4386% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 3,438 |
| Loan loss allowance to noncurrent loans | 276.2105% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 3,998 |
| Noncurrent loans to loans | 0.4698% | 4,246 |
| Net loans and leases to total assets | 59.2681% | 3,884 |
| Net loans and leases to deposits | 66.1566% | 4,305 |
| Net loans and leases to core deposits | 67.8844% | 4,517 |
| Total domestic deposits to total assets | 89.5876% | 929 |
| Equity capital to assets | 9.9818% | 4,134 |
| Core capital (leverage) ratio | 9.8703% | 3,750 |
| Tier 1 risk-based capital ratio | 14.1552% | 3,992 |
| Total risk-based capital ratio | 15.2916% | 3,985 |
| Memoranda: | ||
| Average total assets | $160,750,200 | 3,480 |
| Average earning assets | $152,549,400 | 3,400 |
| Average equity | $15,737,800 | 3,719 |
| Average total loans | $95,187,000 | 3,519 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 932 |
| Cost of funding earning assets | 0.2124% | 5,736 |
| Net interest margin | 4.6856% | 518 |
| Noninterest income to average assets | 0.5808% | 2,981 |
| Noninterest expense to average assets | 3.9694% | 780 |
| Loan and lease loss provision to assets | 0.1712% | 1,437 |
| Net operating income to assets | 0.8838% | 2,995 |
| Return on assets (ROA) | 0.8855% | 3,086 |
| Pretax return on assets | 0.8855% | 4,055 |
| Return on Equity (ROE) | 9.0922% | 2,631 |
| Retained earnings to average equity (ytd only) | -0.9652% | 5,957 |
| Net charge-offs to loans | 0.0569% | 3,404 |
| Credit loss provision to net charge-offs | 510.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 31.4262% | 1,325 |
| Efficiency ratio | 79.0010% | 2,056 |
| Assets per employee ($millions) | 2.9004% | 5,850 |
| Cash dividends to net income (ytd only)* | 110.6162% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 3,693 |
| Loan loss allowance to noncurrent loans | 288.6161% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 4,454 |
| Noncurrent loans to loans | 0.4474% | 4,557 |
| Net loans and leases to total assets | 60.8605% | 3,647 |
| Net loans and leases to deposits | 68.0340% | 4,123 |
| Net loans and leases to core deposits | 69.8551% | 4,334 |
| Total domestic deposits to total assets | 89.4560% | 1,004 |
| Equity capital to assets | 10.0225% | 4,137 |
| Core capital (leverage) ratio | 9.9541% | 3,738 |
| Tier 1 risk-based capital ratio | 14.1647% | 4,099 |
| Total risk-based capital ratio | 15.3068% | 4,111 |
| Memoranda: | ||
| Average total assets | $158,846,000 | 3,532 |
| Average earning assets | $150,642,000 | 3,453 |
| Average equity | $15,470,750 | 3,775 |
| Average total loans | $93,708,750 | 3,591 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 956 |
| Cost of funding earning assets | 0.2171% | 5,777 |
| Net interest margin | 4.6561% | 526 |
| Noninterest income to average assets | 0.5886% | 2,873 |
| Noninterest expense to average assets | 3.9454% | 808 |
| Loan and lease loss provision to assets | 0.1890% | 1,285 |
| Net operating income to assets | 0.8614% | 3,003 |
| Return on assets (ROA) | 0.8614% | 3,105 |
| Pretax return on assets | 0.8614% | 4,034 |
| Return on Equity (ROE) | 8.9334% | 2,629 |
| Retained earnings to average equity (ytd only) | -4.3944% | 6,199 |
| Net charge-offs to loans | 0.1114% | 2,547 |
| Credit loss provision to net charge-offs | 292.1569% | 876 |
| Earnings coverage of net charge-offs (x) | 16.2353% | 1,809 |
| Efficiency ratio | 78.9741% | 2,172 |
| Assets per employee ($millions) | 2.8340% | 5,985 |
| Cash dividends to net income (ytd only)* | 149.1900% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 3,926 |
| Loan loss allowance to noncurrent loans | 166.2602% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 3,806 |
| Noncurrent loans to loans | 0.7739% | 3,764 |
| Net loans and leases to total assets | 59.3107% | 3,819 |
| Net loans and leases to deposits | 66.2423% | 4,246 |
| Net loans and leases to core deposits | 68.1793% | 4,445 |
| Total domestic deposits to total assets | 89.5359% | 1,064 |
| Equity capital to assets | 10.0413% | 4,047 |
| Core capital (leverage) ratio | 9.9008% | 3,741 |
| Tier 1 risk-based capital ratio | 14.5136% | 3,923 |
| Total risk-based capital ratio | 15.6397% | 3,935 |
| Memoranda: | ||
| Average total assets | $157,653,330 | 3,569 |
| Average earning assets | $149,223,330 | 3,497 |
| Average equity | $15,201,330 | 3,823 |
| Average total loans | $91,563,330 | 3,652 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 1,007 |
| Cost of funding earning assets | 0.2206% | 5,847 |
| Net interest margin | 4.5997% | 551 |
| Noninterest income to average assets | 0.5804% | 2,855 |
| Noninterest expense to average assets | 3.9917% | 768 |
| Loan and lease loss provision to assets | 0.2749% | 751 |
| Net operating income to assets | 0.6670% | 3,859 |
| Return on assets (ROA) | 0.6797% | 3,865 |
| Pretax return on assets | 0.6797% | 4,554 |
| Return on Equity (ROE) | 7.1997% | 3,353 |
| Retained earnings to average equity (ytd only) | -13.6983% | 6,448 |
| Net charge-offs to loans | 0.1918% | 1,583 |
| Credit loss provision to net charge-offs | 251.1628% | 900 |
| Earnings coverage of net charge-offs (x) | 8.6047% | 2,005 |
| Efficiency ratio | 80.9082% | 2,066 |
| Assets per employee ($millions) | 2.7124% | 6,192 |
| Cash dividends to net income (ytd only)* | 290.2622% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 4,144 |
| Loan loss allowance to noncurrent loans | 174.0525% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 4,310 |
| Noncurrent loans to loans | 0.7448% | 4,002 |
| Net loans and leases to total assets | 57.7876% | 3,878 |
| Net loans and leases to deposits | 64.0573% | 4,307 |
| Net loans and leases to core deposits | 65.6893% | 4,519 |
| Total domestic deposits to total assets | 90.2124% | 961 |
| Equity capital to assets | 9.4882% | 4,517 |
| Core capital (leverage) ratio | 10.0350% | 3,521 |
| Tier 1 risk-based capital ratio | 14.7692% | 3,838 |
| Total risk-based capital ratio | 15.8967% | 3,874 |
| Memoranda: | ||
| Average total assets | $157,127,500 | 3,605 |
| Average earning assets | $148,706,000 | 3,526 |
| Average equity | $14,834,000 | 3,889 |
| Average total loans | $89,667,000 | 3,703 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,727 |
| Cost of funding earning assets | 0.2761% | 5,791 |
| Net interest margin | 4.3706% | 957 |
| Noninterest income to average assets | 0.5492% | 3,409 |
| Noninterest expense to average assets | 3.6160% | 1,419 |
| Loan and lease loss provision to assets | 0.0837% | 3,445 |
| Net operating income to assets | 0.9871% | 2,384 |
| Return on assets (ROA) | 0.9877% | 2,450 |
| Pretax return on assets | 0.9877% | 3,401 |
| Return on Equity (ROE) | 10.0965% | 2,076 |
| Retained earnings to average equity (ytd only) | 4.1202% | 3,241 |
| Net charge-offs to loans | 0.0939% | 3,906 |
| Credit loss provision to net charge-offs | 164.5570% | 1,384 |
| Earnings coverage of net charge-offs (x) | 21.0506% | 1,511 |
| Efficiency ratio | 77.1535% | 2,598 |
| Assets per employee ($millions) | 2.8024% | 6,104 |
| Cash dividends to net income (ytd only)* | 59.1917% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,175 |
| Loan loss allowance to noncurrent loans | 118.3438% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7819% | 3,937 |
| Noncurrent loans to loans | 1.0937% | 3,346 |
| Net loans and leases to total assets | 54.8632% | 4,483 |
| Net loans and leases to deposits | 60.8525% | 4,851 |
| Net loans and leases to core deposits | 62.4073% | 5,022 |
| Total domestic deposits to total assets | 90.1576% | 1,001 |
| Equity capital to assets | 9.3931% | 4,554 |
| Core capital (leverage) ratio | 10.3616% | 3,072 |
| Tier 1 risk-based capital ratio | 15.8582% | 3,171 |
| Total risk-based capital ratio | 16.9668% | 3,198 |
| Memoranda: | ||
| Average total assets | $155,307,600 | 3,622 |
| Average earning assets | $147,027,000 | 3,554 |
| Average equity | $15,193,400 | 3,829 |
| Average total loans | $84,098,600 | 3,824 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 1,769 |
| Cost of funding earning assets | 0.2923% | 5,794 |
| Net interest margin | 4.3486% | 988 |
| Noninterest income to average assets | 0.5251% | 3,630 |
| Noninterest expense to average assets | 3.6530% | 1,319 |
| Loan and lease loss provision to assets | 0.0646% | 3,766 |
| Net operating income to assets | 0.9176% | 2,746 |
| Return on assets (ROA) | 0.9141% | 2,865 |
| Pretax return on assets | 0.9141% | 3,817 |
| Return on Equity (ROE) | 9.2507% | 2,515 |
| Retained earnings to average equity (ytd only) | 3.6759% | 4,086 |
| Net charge-offs to loans | 0.0752% | 3,871 |
| Credit loss provision to net charge-offs | 159.5745% | 1,480 |
| Earnings coverage of net charge-offs (x) | 24.2748% | 1,429 |
| Efficiency ratio | 78.8115% | 2,285 |
| Assets per employee ($millions) | 2.7547% | 6,213 |
| Cash dividends to net income (ytd only)* | 60.2637% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,263 |
| Loan loss allowance to noncurrent loans | 135.2078% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 4,457 |
| Noncurrent loans to loans | 0.9813% | 3,849 |
| Net loans and leases to total assets | 54.2876% | 4,564 |
| Net loans and leases to deposits | 60.3277% | 4,937 |
| Net loans and leases to core deposits | 61.9289% | 5,123 |
| Total domestic deposits to total assets | 89.9879% | 1,004 |
| Equity capital to assets | 9.4379% | 4,631 |
| Core capital (leverage) ratio | 10.3427% | 3,181 |
| Tier 1 risk-based capital ratio | 16.3908% | 2,990 |
| Total risk-based capital ratio | 17.5278% | 3,013 |
| Memoranda: | ||
| Average total assets | $154,901,000 | 3,663 |
| Average earning assets | $146,402,000 | 3,599 |
| Average equity | $15,306,500 | 3,860 |
| Average total loans | $83,316,250 | 3,874 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 1,924 |
| Cost of funding earning assets | 0.3188% | 5,671 |
| Net interest margin | 4.2566% | 1,121 |
| Noninterest income to average assets | 0.5730% | 3,364 |
| Noninterest expense to average assets | 3.4172% | 1,785 |
| Loan and lease loss provision to assets | 0.0551% | 3,900 |
| Net operating income to assets | 1.1228% | 1,848 |
| Return on assets (ROA) | 1.1177% | 1,989 |
| Pretax return on assets | 1.1177% | 3,023 |
| Return on Equity (ROE) | 11.1492% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.6130% | 2,665 |
| Net charge-offs to loans | 0.0744% | 3,650 |
| Credit loss provision to net charge-offs | 138.7097% | 1,637 |
| Earnings coverage of net charge-offs (x) | 29.6452% | 1,157 |
| Efficiency ratio | 74.3654% | 3,058 |
| Assets per employee ($millions) | 2.8516% | 6,094 |
| Cash dividends to net income (ytd only)* | 49.6560% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 4,541 |
| Loan loss allowance to noncurrent loans | 123.5828% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 4,127 |
| Noncurrent loans to loans | 1.0468% | 3,840 |
| Net loans and leases to total assets | 53.0286% | 4,730 |
| Net loans and leases to deposits | 58.8323% | 5,088 |
| Net loans and leases to core deposits | 61.7240% | 5,121 |
| Total domestic deposits to total assets | 90.1352% | 955 |
| Equity capital to assets | 9.4396% | 4,660 |
| Core capital (leverage) ratio | 10.1563% | 3,286 |
| Tier 1 risk-based capital ratio | 16.0669% | 3,152 |
| Total risk-based capital ratio | 17.1641% | 3,189 |
| Memoranda: | ||
| Average total assets | $156,032,670 | 3,669 |
| Average earning assets | $147,441,000 | 3,603 |
| Average equity | $15,642,330 | 3,830 |
| Average total loans | $83,303,330 | 3,889 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 1,836 |
| Cost of funding earning assets | 0.3209% | 5,802 |
| Net interest margin | 4.2745% | 1,017 |
| Noninterest income to average assets | 0.4909% | 3,832 |
| Noninterest expense to average assets | 3.9761% | 910 |
| Loan and lease loss provision to assets | 0.0308% | 4,067 |
| Net operating income to assets | 0.5243% | 4,552 |
| Return on assets (ROA) | 0.5140% | 4,738 |
| Pretax return on assets | 0.5140% | 5,212 |
| Return on Equity (ROE) | 4.9810% | 4,583 |
| Retained earnings to average equity (ytd only) | 0.4483% | 5,644 |
| Net charge-offs to loans | 0.0241% | 3,697 |
| Credit loss provision to net charge-offs | 240.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 43.2000% | 737 |
| Efficiency ratio | 87.7482% | 1,349 |
| Assets per employee ($millions) | 2.8345% | 6,235 |
| Cash dividends to net income (ytd only)* | 91.0000% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,726 |
| Loan loss allowance to noncurrent loans | 119.6251% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 4,129 |
| Noncurrent loans to loans | 1.0825% | 3,985 |
| Net loans and leases to total assets | 53.0510% | 4,552 |
| Net loans and leases to deposits | 59.3006% | 4,874 |
| Net loans and leases to core deposits | 62.1350% | 4,943 |
| Total domestic deposits to total assets | 89.4611% | 1,380 |
| Equity capital to assets | 10.2201% | 3,883 |
| Core capital (leverage) ratio | 10.0443% | 3,321 |
| Tier 1 risk-based capital ratio | 15.6819% | 3,440 |
| Total risk-based capital ratio | 16.7768% | 3,472 |
| Memoranda: | ||
| Average total assets | $155,629,000 | 3,714 |
| Average earning assets | $147,104,000 | 3,644 |
| Average equity | $16,061,000 | 3,810 |
| Average total loans | $82,825,000 | 3,927 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 1,770 |
| Cost of funding earning assets | 0.3864% | 6,008 |
| Net interest margin | 4.5353% | 881 |
| Noninterest income to average assets | 0.6304% | 3,106 |
| Noninterest expense to average assets | 4.0354% | 941 |
| Loan and lease loss provision to assets | 0.0318% | 5,495 |
| Net operating income to assets | 0.8154% | 3,218 |
| Return on assets (ROA) | 0.7998% | 3,539 |
| Pretax return on assets | 0.7998% | 4,298 |
| Return on Equity (ROE) | 7.7271% | 3,218 |
| Retained earnings to average equity (ytd only) | 2.0760% | 4,764 |
| Net charge-offs to loans | 0.1222% | 4,459 |
| Credit loss provision to net charge-offs | 48.0392% | 4,738 |
| Earnings coverage of net charge-offs (x) | 12.7941% | 1,897 |
| Efficiency ratio | 82.6486% | 1,790 |
| Assets per employee ($millions) | 2.7743% | 6,339 |
| Cash dividends to net income (ytd only)* | 73.1331% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 4,543 |
| Loan loss allowance to noncurrent loans | 87.2168% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 2,848 |
| Noncurrent loans to loans | 1.5099% | 3,340 |
| Net loans and leases to total assets | 51.9963% | 4,927 |
| Net loans and leases to deposits | 58.3488% | 5,200 |
| Net loans and leases to core deposits | 60.9282% | 5,281 |
| Total domestic deposits to total assets | 89.1130% | 1,488 |
| Equity capital to assets | 10.4204% | 3,626 |
| Core capital (leverage) ratio | 9.9936% | 3,409 |
| Tier 1 risk-based capital ratio | 15.8582% | 3,238 |
| Total risk-based capital ratio | 16.9595% | 3,272 |
| Memoranda: | ||
| Average total assets | $154,037,800 | 3,713 |
| Average earning assets | $144,423,400 | 3,656 |
| Average equity | $15,943,800 | 3,780 |
| Average total loans | $83,480,800 | 3,922 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 1,772 |
| Cost of funding earning assets | 0.3955% | 6,144 |
| Net interest margin | 4.5749% | 858 |
| Noninterest income to average assets | 0.6046% | 3,244 |
| Noninterest expense to average assets | 4.0708% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8180% | 3,355 |
| Return on assets (ROA) | 0.7937% | 3,726 |
| Pretax return on assets | 0.7937% | 4,510 |
| Return on Equity (ROE) | 7.6812% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.7787% | 4,885 |
| Net charge-offs to loans | 0.0525% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 28.5750% | 1,140 |
| Efficiency ratio | 83.2683% | 1,672 |
| Assets per employee ($millions) | 2.7618% | 6,406 |
| Cash dividends to net income (ytd only)* | 63.8253% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,527 |
| Loan loss allowance to noncurrent loans | 77.3239% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.8848% | 2,806 |
| Noncurrent loans to loans | 1.7627% | 3,137 |
| Net loans and leases to total assets | 52.3101% | 5,002 |
| Net loans and leases to deposits | 59.0567% | 5,313 |
| Net loans and leases to core deposits | 61.6262% | 5,393 |
| Total domestic deposits to total assets | 88.5760% | 1,677 |
| Equity capital to assets | 10.9302% | 3,343 |
| Core capital (leverage) ratio | 10.2369% | 3,245 |
| Tier 1 risk-based capital ratio | 16.2401% | 3,137 |
| Total risk-based capital ratio | 17.3889% | 3,170 |
| Memoranda: | ||
| Average total assets | $153,707,500 | 3,759 |
| Average earning assets | $143,940,250 | 3,692 |
| Average equity | $15,882,500 | 3,834 |
| Average total loans | $83,886,250 | 3,956 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9736% | 1,863 |
| Cost of funding earning assets | 0.4084% | 6,222 |
| Net interest margin | 4.5653% | 881 |
| Noninterest income to average assets | 0.5768% | 3,402 |
| Noninterest expense to average assets | 4.0231% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8282% | 3,256 |
| Return on assets (ROA) | 0.8101% | 3,614 |
| Pretax return on assets | 0.8101% | 4,443 |
| Return on Equity (ROE) | 7.9911% | 3,266 |
| Retained earnings to average equity (ytd only) | 2.4293% | 4,975 |
| Net charge-offs to loans | 0.0588% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 25.5600% | 1,194 |
| Efficiency ratio | 82.9281% | 1,760 |
| Assets per employee ($millions) | 2.7680% | 6,449 |
| Cash dividends to net income (ytd only)* | 69.6000% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 4,759 |
| Loan loss allowance to noncurrent loans | 83.8514% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.8205% | 3,011 |
| Noncurrent loans to loans | 1.5824% | 3,537 |
| Net loans and leases to total assets | 53.0614% | 4,952 |
| Net loans and leases to deposits | 59.2123% | 5,312 |
| Net loans and leases to core deposits | 62.4061% | 5,353 |
| Total domestic deposits to total assets | 89.6122% | 1,155 |
| Equity capital to assets | 10.1078% | 4,183 |
| Core capital (leverage) ratio | 9.7140% | 3,810 |
| Tier 1 risk-based capital ratio | 15.4871% | 3,450 |
| Total risk-based capital ratio | 16.6007% | 3,499 |
| Memoranda: | ||
| Average total assets | $154,310,000 | 3,762 |
| Average earning assets | $144,481,670 | 3,704 |
| Average equity | $15,642,330 | 3,862 |
| Average total loans | $84,996,000 | 3,945 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 2,028 |
| Cost of funding earning assets | 0.4245% | 6,284 |
| Net interest margin | 4.5368% | 949 |
| Noninterest income to average assets | 0.5326% | 3,683 |
| Noninterest expense to average assets | 4.2297% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5508% | 4,591 |
| Return on assets (ROA) | 0.3222% | 5,750 |
| Pretax return on assets | 0.3222% | 5,926 |
| Return on Equity (ROE) | 3.1735% | 5,644 |
| Retained earnings to average equity (ytd only) | -1.6123% | 6,230 |
| Net charge-offs to loans | 0.0606% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 16.3077% | 1,375 |
| Efficiency ratio | 88.4783% | 1,224 |
| Assets per employee ($millions) | 2.7564% | 6,569 |
| Cash dividends to net income (ytd only)* | 150.8065% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 5,024 |
| Loan loss allowance to noncurrent loans | 27.8873% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 3.1538% | 1,836 |
| Noncurrent loans to loans | 4.6610% | 1,228 |
| Net loans and leases to total assets | 54.0334% | 4,716 |
| Net loans and leases to deposits | 60.2219% | 5,120 |
| Net loans and leases to core deposits | 63.0631% | 5,216 |
| Total domestic deposits to total assets | 89.7239% | 1,232 |
| Equity capital to assets | 9.9674% | 4,163 |
| Core capital (leverage) ratio | 9.7996% | 3,642 |
| Tier 1 risk-based capital ratio | 15.2317% | 3,603 |
| Total risk-based capital ratio | 16.3574% | 3,646 |
| Memoranda: | ||
| Average total assets | $153,960,500 | 3,806 |
| Average earning assets | $144,154,500 | 3,740 |
| Average equity | $15,629,500 | 3,867 |
| Average total loans | $85,816,000 | 3,942 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 1,842 |
| Cost of funding earning assets | 0.6151% | 6,012 |
| Net interest margin | 4.6418% | 848 |
| Noninterest income to average assets | 0.5937% | 3,200 |
| Noninterest expense to average assets | 4.1107% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7701% | 3,176 |
| Return on assets (ROA) | 0.9663% | 2,467 |
| Pretax return on assets | 0.9663% | 3,363 |
| Return on Equity (ROE) | 9.7918% | 2,128 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,386 |
| Net charge-offs to loans | 0.1151% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 11.4706% | 1,720 |
| Efficiency ratio | 84.2212% | 1,739 |
| Assets per employee ($millions) | 2.6458% | 6,666 |
| Cash dividends to net income (ytd only)* | 59.6730% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,801 |
| Loan loss allowance to noncurrent loans | 26.7692% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 3.5880% | 1,642 |
| Noncurrent loans to loans | 4.9345% | 1,152 |
| Net loans and leases to total assets | 56.0245% | 4,700 |
| Net loans and leases to deposits | 62.7660% | 5,146 |
| Net loans and leases to core deposits | 65.9007% | 5,260 |
| Total domestic deposits to total assets | 89.2593% | 1,392 |
| Equity capital to assets | 10.3435% | 3,721 |
| Core capital (leverage) ratio | 10.1306% | 3,192 |
| Tier 1 risk-based capital ratio | 15.5273% | 3,309 |
| Total risk-based capital ratio | 16.6834% | 3,324 |
| Memoranda: | ||
| Average total assets | $151,922,400 | 3,765 |
| Average earning assets | $140,311,000 | 3,739 |
| Average equity | $14,992,200 | 3,907 |
| Average total loans | $88,622,800 | 3,891 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 1,886 |
| Cost of funding earning assets | 0.6712% | 5,923 |
| Net interest margin | 4.6226% | 907 |
| Noninterest income to average assets | 0.5633% | 3,422 |
| Noninterest expense to average assets | 4.1628% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6596% | 3,826 |
| Return on assets (ROA) | 0.9295% | 2,777 |
| Pretax return on assets | 0.9295% | 3,654 |
| Return on Equity (ROE) | 9.5322% | 2,376 |
| Retained earnings to average equity (ytd only) | 4.5819% | 3,456 |
| Net charge-offs to loans | 0.0656% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 17.1122% | 1,363 |
| Efficiency ratio | 86.3215% | 1,502 |
| Assets per employee ($millions) | 2.6209% | 6,754 |
| Cash dividends to net income (ytd only)* | 51.9323% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,835 |
| Loan loss allowance to noncurrent loans | 46.7191% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 2.4238% | 2,657 |
| Noncurrent loans to loans | 2.8620% | 2,438 |
| Net loans and leases to total assets | 58.7266% | 4,367 |
| Net loans and leases to deposits | 65.8812% | 4,924 |
| Net loans and leases to core deposits | 69.1810% | 5,045 |
| Total domestic deposits to total assets | 89.1401% | 1,341 |
| Equity capital to assets | 10.3819% | 3,852 |
| Core capital (leverage) ratio | 10.0921% | 3,318 |
| Tier 1 risk-based capital ratio | 15.1244% | 3,593 |
| Total risk-based capital ratio | 16.3146% | 3,596 |
| Memoranda: | ||
| Average total assets | $152,200,750 | 3,790 |
| Average earning assets | $140,234,250 | 3,761 |
| Average equity | $14,840,500 | 3,949 |
| Average total loans | $89,373,250 | 3,912 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 2,180 |
| Cost of funding earning assets | 0.7506% | 5,665 |
| Net interest margin | 4.4711% | 1,200 |
| Noninterest income to average assets | 0.5237% | 3,672 |
| Noninterest expense to average assets | 4.1780% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4610% | 4,674 |
| Return on assets (ROA) | 0.8241% | 3,083 |
| Pretax return on assets | 0.8241% | 3,934 |
| Return on Equity (ROE) | 8.6336% | 2,664 |
| Retained earnings to average equity (ytd only) | 4.4468% | 3,361 |
| Net charge-offs to loans | 0.0648% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 12.1724% | 1,647 |
| Efficiency ratio | 90.0619% | 1,233 |
| Assets per employee ($millions) | 2.6121% | 6,773 |
| Cash dividends to net income (ytd only)* | 48.4945% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,676 |
| Loan loss allowance to noncurrent loans | 68.8393% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.1983% | 2,985 |
| Noncurrent loans to loans | 2.0049% | 3,471 |
| Net loans and leases to total assets | 57.7832% | 4,672 |
| Net loans and leases to deposits | 64.4536% | 5,218 |
| Net loans and leases to core deposits | 67.8625% | 5,303 |
| Total domestic deposits to total assets | 89.6508% | 1,153 |
| Equity capital to assets | 10.0026% | 4,147 |
| Core capital (leverage) ratio | 9.7810% | 3,547 |
| Tier 1 risk-based capital ratio | 14.7488% | 3,648 |
| Total risk-based capital ratio | 15.9386% | 3,645 |
| Memoranda: | ||
| Average total assets | $153,136,330 | 3,798 |
| Average earning assets | $140,949,000 | 3,775 |
| Average equity | $14,617,330 | 3,979 |
| Average total loans | $89,523,330 | 3,950 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 2,464 |
| Cost of funding earning assets | 0.8001% | 5,576 |
| Net interest margin | 4.3417% | 1,443 |
| Noninterest income to average assets | 0.2448% | 5,942 |
| Noninterest expense to average assets | 3.8439% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3993% | 4,948 |
| Return on assets (ROA) | 0.4406% | 4,845 |
| Pretax return on assets | 0.4406% | 5,220 |
| Return on Equity (ROE) | 4.7239% | 4,546 |
| Retained earnings to average equity (ytd only) | 2.1271% | 4,863 |
| Net charge-offs to loans | 0.0838% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.1579% | 1,851 |
| Efficiency ratio | 90.5889% | 1,279 |
| Assets per employee ($millions) | 2.6574% | 6,761 |
| Cash dividends to net income (ytd only)* | 54.9708% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,829 |
| Loan loss allowance to noncurrent loans | 53.8837% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.1255% | 3,156 |
| Noncurrent loans to loans | 2.5337% | 2,950 |
| Net loans and leases to total assets | 56.9042% | 4,822 |
| Net loans and leases to deposits | 63.1895% | 5,363 |
| Net loans and leases to core deposits | 67.1580% | 5,391 |
| Total domestic deposits to total assets | 90.0533% | 1,122 |
| Equity capital to assets | 9.6522% | 4,251 |
| Core capital (leverage) ratio | 9.4540% | 3,877 |
| Tier 1 risk-based capital ratio | 14.1738% | 3,955 |
| Total risk-based capital ratio | 15.3463% | 3,982 |
| Memoranda: | ||
| Average total assets | $155,259,000 | 3,787 |
| Average earning assets | $142,986,500 | 3,771 |
| Average equity | $14,479,500 | 3,999 |
| Average total loans | $90,666,000 | 3,960 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 1,496 |
| Cost of funding earning assets | 1.0838% | 5,233 |
| Net interest margin | 4.6375% | 934 |
| Noninterest income to average assets | 0.5888% | 3,546 |
| Noninterest expense to average assets | 4.0538% | 1,086 |
| Loan and lease loss provision to assets | 0.2249% | 5,032 |
| Net operating income to assets | 0.5940% | 3,698 |
| Return on assets (ROA) | 0.6897% | 3,395 |
| Pretax return on assets | 0.6897% | 4,011 |
| Return on Equity (ROE) | 7.6397% | 2,834 |
| Retained earnings to average equity (ytd only) | 1.4669% | 4,800 |
| Net charge-offs to loans | 0.3068% | 4,482 |
| Credit loss provision to net charge-offs | 123.3813% | 3,365 |
| Earnings coverage of net charge-offs (x) | 4.4928% | 2,904 |
| Efficiency ratio | 83.1943% | 2,032 |
| Assets per employee ($millions) | 2.6963% | 6,693 |
| Cash dividends to net income (ytd only)* | 80.7985% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 4,829 |
| Loan loss allowance to noncurrent loans | 40.4130% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 2.5251% | 2,742 |
| Noncurrent loans to loans | 3.3016% | 2,296 |
| Net loans and leases to total assets | 58.3028% | 4,978 |
| Net loans and leases to deposits | 64.3245% | 5,589 |
| Net loans and leases to core deposits | 68.1144% | 5,651 |
| Total domestic deposits to total assets | 90.6386% | 773 |
| Equity capital to assets | 9.0046% | 5,138 |
| Core capital (leverage) ratio | 9.0091% | 4,537 |
| Tier 1 risk-based capital ratio | 13.0414% | 4,574 |
| Total risk-based capital ratio | 14.1895% | 4,619 |
| Memoranda: | ||
| Average total assets | $152,524,600 | 3,835 |
| Average earning assets | $140,895,200 | 3,798 |
| Average equity | $13,770,200 | 4,192 |
| Average total loans | $90,600,000 | 4,034 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 1,414 |
| Cost of funding earning assets | 1.1323% | 5,243 |
| Net interest margin | 4.6622% | 921 |
| Noninterest income to average assets | 0.5701% | 3,648 |
| Noninterest expense to average assets | 4.0942% | 939 |
| Loan and lease loss provision to assets | 0.2771% | 4,366 |
| Net operating income to assets | 0.5129% | 4,254 |
| Return on assets (ROA) | 0.6413% | 3,863 |
| Pretax return on assets | 0.6413% | 4,448 |
| Return on Equity (ROE) | 7.0988% | 3,301 |
| Retained earnings to average equity (ytd only) | 0.0876% | 5,743 |
| Net charge-offs to loans | 0.3949% | 3,705 |
| Credit loss provision to net charge-offs | 117.9775% | 3,515 |
| Earnings coverage of net charge-offs (x) | 3.3633% | 3,479 |
| Efficiency ratio | 83.8256% | 1,855 |
| Assets per employee ($millions) | 2.6121% | 6,917 |
| Cash dividends to net income (ytd only)* | 98.7654% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 4,996 |
| Loan loss allowance to noncurrent loans | 52.3912% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.4515% | 2,916 |
| Noncurrent loans to loans | 2.4711% | 3,154 |
| Net loans and leases to total assets | 61.1933% | 4,682 |
| Net loans and leases to deposits | 67.8551% | 5,440 |
| Net loans and leases to core deposits | 71.8429% | 5,531 |
| Total domestic deposits to total assets | 90.1823% | 785 |
| Equity capital to assets | 9.3959% | 4,991 |
| Core capital (leverage) ratio | 8.9862% | 4,718 |
| Tier 1 risk-based capital ratio | 12.7806% | 4,750 |
| Total risk-based capital ratio | 13.9058% | 4,835 |
| Memoranda: | ||
| Average total assets | $151,559,000 | 3,905 |
| Average earning assets | $140,246,000 | 3,866 |
| Average equity | $13,692,250 | 4,275 |
| Average total loans | $90,147,250 | 4,107 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 1,213 |
| Cost of funding earning assets | 1.1669% | 5,306 |
| Net interest margin | 4.7218% | 786 |
| Noninterest income to average assets | 0.5489% | 3,725 |
| Noninterest expense to average assets | 4.1418% | 870 |
| Loan and lease loss provision to assets | 0.1979% | 4,888 |
| Net operating income to assets | 0.5660% | 4,014 |
| Return on assets (ROA) | 0.7587% | 3,310 |
| Pretax return on assets | 0.7587% | 4,031 |
| Return on Equity (ROE) | 8.5114% | 2,663 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,729 |
| Net charge-offs to loans | 0.2678% | 4,002 |
| Credit loss provision to net charge-offs | 126.0504% | 3,197 |
| Earnings coverage of net charge-offs (x) | 4.8655% | 2,818 |
| Efficiency ratio | 84.4271% | 1,870 |
| Assets per employee ($millions) | 2.5413% | 7,044 |
| Cash dividends to net income (ytd only)* | 100.0000% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,890 |
| Loan loss allowance to noncurrent loans | 71.0729% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 2.2226% | 3,232 |
| Noncurrent loans to loans | 1.8357% | 3,957 |
| Net loans and leases to total assets | 59.4843% | 5,159 |
| Net loans and leases to deposits | 65.5416% | 5,869 |
| Net loans and leases to core deposits | 69.6361% | 5,913 |
| Total domestic deposits to total assets | 90.7581% | 578 |
| Equity capital to assets | 8.9140% | 5,582 |
| Core capital (leverage) ratio | 9.1526% | 4,371 |
| Tier 1 risk-based capital ratio | 12.8660% | 4,554 |
| Total risk-based capital ratio | 13.9836% | 4,624 |
| Memoranda: | ||
| Average total assets | $151,578,000 | 3,928 |
| Average earning assets | $139,863,000 | 3,910 |
| Average equity | $13,511,330 | 4,315 |
| Average total loans | $88,888,000 | 4,178 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8599% | 1,296 |
| Cost of funding earning assets | 1.2009% | 5,403 |
| Net interest margin | 4.6591% | 851 |
| Noninterest income to average assets | 0.4235% | 4,711 |
| Noninterest expense to average assets | 4.0707% | 937 |
| Loan and lease loss provision to assets | 0.0450% | 6,223 |
| Net operating income to assets | 0.5796% | 3,986 |
| Return on assets (ROA) | 0.7332% | 3,398 |
| Pretax return on assets | 0.7332% | 4,115 |
| Return on Equity (ROE) | 8.2251% | 2,768 |
| Retained earnings to average equity (ytd only) | 4.3649% | 3,533 |
| Net charge-offs to loans | 0.2060% | 3,681 |
| Credit loss provision to net charge-offs | 37.7778% | 4,673 |
| Earnings coverage of net charge-offs (x) | 5.2444% | 2,434 |
| Efficiency ratio | 86.6967% | 1,718 |
| Assets per employee ($millions) | 2.4742% | 7,230 |
| Cash dividends to net income (ytd only)* | 46.9314% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 4,974 |
| Loan loss allowance to noncurrent loans | 84.5697% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 2.2095% | 3,264 |
| Noncurrent loans to loans | 1.5291% | 4,456 |
| Net loans and leases to total assets | 58.6173% | 5,333 |
| Net loans and leases to deposits | 64.6849% | 5,974 |
| Net loans and leases to core deposits | 70.5610% | 5,867 |
| Total domestic deposits to total assets | 90.6198% | 685 |
| Equity capital to assets | 9.1599% | 5,049 |
| Core capital (leverage) ratio | 9.3422% | 3,987 |
| Tier 1 risk-based capital ratio | 13.4621% | 4,014 |
| Total risk-based capital ratio | 14.5623% | 4,068 |
| Memoranda: | ||
| Average total assets | $151,127,500 | 3,993 |
| Average earning assets | $138,568,000 | 3,991 |
| Average equity | $13,471,000 | 4,358 |
| Average total loans | $87,382,000 | 4,275 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2425% | 1,137 |
| Cost of funding earning assets | 1.5575% | 5,243 |
| Net interest margin | 4.6850% | 858 |
| Noninterest income to average assets | 0.7487% | 2,684 |
| Noninterest expense to average assets | 4.4178% | 859 |
| Loan and lease loss provision to assets | 0.1740% | 5,955 |
| Net operating income to assets | 0.4942% | 3,751 |
| Return on assets (ROA) | 0.4942% | 3,851 |
| Pretax return on assets | 0.4942% | 4,203 |
| Return on Equity (ROE) | 5.4817% | 3,438 |
| Retained earnings to average equity (ytd only) | -0.1577% | 4,980 |
| Net charge-offs to loans | 0.2772% | 4,896 |
| Credit loss provision to net charge-offs | 107.0833% | 5,178 |
| Earnings coverage of net charge-offs (x) | 4.1125% | 3,058 |
| Efficiency ratio | 86.8628% | 2,013 |
| Assets per employee ($millions) | 2.5214% | 7,173 |
| Cash dividends to net income (ytd only)* | 102.8767% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,490 |
| Loan loss allowance to noncurrent loans | 55.2507% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.8335% | 2,475 |
| Noncurrent loans to loans | 2.4409% | 3,107 |
| Net loans and leases to total assets | 55.5499% | 6,018 |
| Net loans and leases to deposits | 61.0158% | 6,561 |
| Net loans and leases to core deposits | 89.2331% | 5,202 |
| Total domestic deposits to total assets | 91.0418% | 521 |
| Equity capital to assets | 8.6760% | 5,624 |
| Core capital (leverage) ratio | 8.9948% | 4,431 |
| Tier 1 risk-based capital ratio | 13.3104% | 3,942 |
| Total risk-based capital ratio | 14.4357% | 3,971 |
| Memoranda: | ||
| Average total assets | $147,719,000 | 3,991 |
| Average earning assets | $136,755,200 | 3,961 |
| Average equity | $13,317,000 | 4,426 |
| Average total loans | $86,565,800 | 4,313 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3759% | 971 |
| Cost of funding earning assets | 1.6163% | 5,326 |
| Net interest margin | 4.7596% | 739 |
| Noninterest income to average assets | 0.7323% | 2,813 |
| Noninterest expense to average assets | 4.4797% | 760 |
| Loan and lease loss provision to assets | 0.1505% | 5,845 |
| Net operating income to assets | 0.5198% | 3,900 |
| Return on assets (ROA) | 0.5198% | 3,994 |
| Pretax return on assets | 0.5198% | 4,455 |
| Return on Equity (ROE) | 5.7097% | 3,650 |
| Retained earnings to average equity (ytd only) | 0.9816% | 4,763 |
| Net charge-offs to loans | 0.2881% | 4,234 |
| Credit loss provision to net charge-offs | 88.2353% | 5,529 |
| Earnings coverage of net charge-offs (x) | 3.9305% | 3,329 |
| Efficiency ratio | 86.9842% | 1,963 |
| Assets per employee ($millions) | 2.4336% | 7,331 |
| Cash dividends to net income (ytd only)* | 82.8074% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,496 |
| Loan loss allowance to noncurrent loans | 143.2741% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 2.3921% | 2,881 |
| Noncurrent loans to loans | 0.9076% | 5,473 |
| Net loans and leases to total assets | 57.7262% | 5,925 |
| Net loans and leases to deposits | 63.7618% | 6,510 |
| Net loans and leases to core deposits | 92.0787% | 5,227 |
| Total domestic deposits to total assets | 90.5341% | 574 |
| Equity capital to assets | 9.0321% | 5,439 |
| Core capital (leverage) ratio | 9.3227% | 4,150 |
| Tier 1 risk-based capital ratio | 13.5771% | 3,790 |
| Total risk-based capital ratio | 14.6782% | 3,840 |
| Memoranda: | ||
| Average total assets | $146,197,750 | 4,036 |
| Average earning assets | $135,695,500 | 4,013 |
| Average equity | $13,310,250 | 4,457 |
| Average total loans | $86,555,750 | 4,350 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4971% | 830 |
| Cost of funding earning assets | 1.6879% | 5,332 |
| Net interest margin | 4.8091% | 641 |
| Noninterest income to average assets | 0.7315% | 2,808 |
| Noninterest expense to average assets | 4.3645% | 885 |
| Loan and lease loss provision to assets | 0.2008% | 5,050 |
| Net operating income to assets | 0.6325% | 3,542 |
| Return on assets (ROA) | 0.6325% | 3,653 |
| Pretax return on assets | 0.6325% | 4,226 |
| Return on Equity (ROE) | 6.9289% | 3,234 |
| Retained earnings to average equity (ytd only) | 1.2201% | 4,667 |
| Net charge-offs to loans | 0.3400% | 3,474 |
| Credit loss provision to net charge-offs | 99.3197% | 4,633 |
| Earnings coverage of net charge-offs (x) | 4.1224% | 3,209 |
| Efficiency ratio | 83.9683% | 2,478 |
| Assets per employee ($millions) | 2.3888% | 7,446 |
| Cash dividends to net income (ytd only)* | 82.3913% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,280 |
| Loan loss allowance to noncurrent loans | 62.1622% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.8679% | 2,237 |
| Noncurrent loans to loans | 2.0893% | 3,399 |
| Net loans and leases to total assets | 58.0724% | 5,952 |
| Net loans and leases to deposits | 63.8804% | 6,574 |
| Net loans and leases to core deposits | 92.5139% | 5,293 |
| Total domestic deposits to total assets | 90.9080% | 485 |
| Equity capital to assets | 8.5850% | 5,921 |
| Core capital (leverage) ratio | 9.3171% | 4,143 |
| Tier 1 risk-based capital ratio | 13.3598% | 3,893 |
| Total risk-based capital ratio | 14.4647% | 3,911 |
| Memoranda: | ||
| Average total assets | $145,447,330 | 4,077 |
| Average earning assets | $135,076,000 | 4,046 |
| Average equity | $13,277,670 | 4,471 |
| Average total loans | $86,466,670 | 4,385 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4431% | 969 |
| Cost of funding earning assets | 1.8061% | 5,087 |
| Net interest margin | 4.6370% | 886 |
| Noninterest income to average assets | 0.7249% | 2,736 |
| Noninterest expense to average assets | 4.1393% | 1,010 |
| Loan and lease loss provision to assets | 0.0336% | 6,520 |
| Net operating income to assets | 0.8704% | 2,837 |
| Return on assets (ROA) | 0.8704% | 2,984 |
| Pretax return on assets | 0.8704% | 3,826 |
| Return on Equity (ROE) | 9.2446% | 2,626 |
| Retained earnings to average equity (ytd only) | 4.3994% | 3,468 |
| Net charge-offs to loans | 0.5666% | 2,051 |
| Credit loss provision to net charge-offs | 9.9174% | 5,202 |
| Earnings coverage of net charge-offs (x) | 2.6694% | 3,422 |
| Efficiency ratio | 82.0755% | 2,522 |
| Assets per employee ($millions) | 2.3527% | 7,521 |
| Cash dividends to net income (ytd only)* | 52.4116% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 4,639 |
| Loan loss allowance to noncurrent loans | 130.7403% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 2.2116% | 2,583 |
| Noncurrent loans to loans | 0.9355% | 5,128 |
| Net loans and leases to total assets | 57.6917% | 5,994 |
| Net loans and leases to deposits | 63.8846% | 6,571 |
| Net loans and leases to core deposits | 91.4000% | 5,412 |
| Total domestic deposits to total assets | 90.3061% | 672 |
| Equity capital to assets | 9.3305% | 4,892 |
| Core capital (leverage) ratio | 9.8058% | 3,630 |
| Tier 1 risk-based capital ratio | 13.9469% | 3,622 |
| Total risk-based capital ratio | 14.9881% | 3,647 |
| Memoranda: | ||
| Average total assets | $142,923,500 | 4,130 |
| Average earning assets | $133,103,000 | 4,088 |
| Average equity | $13,456,500 | 4,463 |
| Average total loans | $85,427,000 | 4,442 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4227% | 476 |
| Cost of funding earning assets | 2.3622% | 4,884 |
| Net interest margin | 5.0605% | 443 |
| Noninterest income to average assets | 0.8538% | 2,207 |
| Noninterest expense to average assets | 4.4051% | 955 |
| Loan and lease loss provision to assets | 0.1713% | 5,189 |
| Net operating income to assets | 1.0013% | 2,555 |
| Return on assets (ROA) | 1.0013% | 2,433 |
| Pretax return on assets | 1.0013% | 3,381 |
| Return on Equity (ROE) | 10.5740% | 2,060 |
| Retained earnings to average equity (ytd only) | 1.8323% | 4,092 |
| Net charge-offs to loans | 0.5339% | 2,227 |
| Credit loss provision to net charge-offs | 49.4781% | 6,355 |
| Earnings coverage of net charge-offs (x) | 3.3862% | 4,393 |
| Efficiency ratio | 78.9760% | 2,755 |
| Assets per employee ($millions) | 2.2948% | 7,574 |
| Cash dividends to net income (ytd only)* | 82.6715% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 3,512 |
| Loan loss allowance to noncurrent loans | 164.1940% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.9274% | 2,549 |
| Noncurrent loans to loans | 0.8184% | 5,002 |
| Net loans and leases to total assets | 60.3713% | 5,857 |
| Net loans and leases to deposits | 67.1725% | 6,537 |
| Net loans and leases to core deposits | 97.6114% | 5,086 |
| Total domestic deposits to total assets | 89.8751% | 704 |
| Equity capital to assets | 9.5034% | 4,690 |
| Core capital (leverage) ratio | 9.9937% | 3,455 |
| Tier 1 risk-based capital ratio | 13.9330% | 3,577 |
| Total risk-based capital ratio | 15.0930% | 3,543 |
| Memoranda: | ||
| Average total assets | $138,315,600 | 4,113 |
| Average earning assets | $129,116,600 | 4,058 |
| Average equity | $13,098,200 | 4,543 |
| Average total loans | $89,723,200 | 4,235 |