Home > The Edon State Bank Company of Edon, Ohio > Performance and Condition Ratios
The Edon State Bank Company of Edon, Ohio, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5668% | 5,036 |
| Cost of funding earning assets | 0.3024% | 4,653 |
| Net interest margin | 2.2645% | 4,934 |
| Noninterest income to average assets | 0.1778% | 4,478 |
| Noninterest expense to average assets | 1.8506% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5466% | 3,755 |
| Return on assets (ROA) | 0.5466% | 3,818 |
| Pretax return on assets | 0.5466% | 4,042 |
| Return on Equity (ROE) | 2.9139% | 4,239 |
| Retained earnings to average equity (ytd only) | -0.8426% | 4,120 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1978% | 1,431 |
| Assets per employee ($millions) | 6.6267% | 1,276 |
| Cash dividends to net income (ytd only)* | 128.9157% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 1,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 28.4557% | 4,931 |
| Net loans and leases to deposits | 35.2052% | 4,916 |
| Net loans and leases to core deposits | 35.5779% | 4,929 |
| Total domestic deposits to total assets | 80.8283% | 3,703 |
| Equity capital to assets | 19.1046% | 278 |
| Core capital (leverage) ratio | 18.6237% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.0263% | 47 |
| Memoranda: | ||
| Average total assets | $60,738,500 | 4,547 |
| Average earning assets | $59,528,500 | 4,488 |
| Average equity | $11,393,500 | 4,081 |
| Average total loans | $17,764,000 | 4,851 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7841% | 5,094 |
| Cost of funding earning assets | 0.2791% | 4,776 |
| Net interest margin | 2.5050% | 4,967 |
| Noninterest income to average assets | 0.1919% | 4,514 |
| Noninterest expense to average assets | 1.7769% | 4,799 |
| Loan and lease loss provision to assets | 0.0099% | 3,806 |
| Net operating income to assets | 0.8554% | 3,376 |
| Return on assets (ROA) | 0.8554% | 3,462 |
| Pretax return on assets | 0.8554% | 3,862 |
| Return on Equity (ROE) | 4.5247% | 4,341 |
| Retained earnings to average equity (ytd only) | 0.1313% | 4,647 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2511% | 2,570 |
| Assets per employee ($millions) | 6.8708% | 1,093 |
| Cash dividends to net income (ytd only)* | 97.0986% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 29.1039% | 4,982 |
| Net loans and leases to deposits | 35.6864% | 4,978 |
| Net loans and leases to core deposits | 36.0459% | 4,993 |
| Total domestic deposits to total assets | 81.5547% | 3,630 |
| Equity capital to assets | 18.4242% | 334 |
| Core capital (leverage) ratio | 18.2679% | 320 |
| Tier 1 risk-based capital ratio | 48.9854% | 137 |
| Total risk-based capital ratio | 50.1866% | 137 |
| Memoranda: | ||
| Average total assets | $60,442,000 | 4,591 |
| Average earning assets | $59,121,400 | 4,533 |
| Average equity | $11,426,200 | 4,064 |
| Average total loans | $18,785,000 | 4,889 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7860% | 5,184 |
| Cost of funding earning assets | 0.2677% | 4,882 |
| Net interest margin | 2.5183% | 5,052 |
| Noninterest income to average assets | 0.1952% | 4,549 |
| Noninterest expense to average assets | 1.7927% | 4,825 |
| Loan and lease loss provision to assets | 0.0133% | 3,637 |
| Net operating income to assets | 0.8520% | 3,513 |
| Return on assets (ROA) | 0.8520% | 3,594 |
| Pretax return on assets | 0.8520% | 4,000 |
| Return on Equity (ROE) | 4.4776% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.4193% | 3,183 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4457% | 2,510 |
| Assets per employee ($millions) | 6.6594% | 1,183 |
| Cash dividends to net income (ytd only)* | 1.3028% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 31.4941% | 5,026 |
| Net loans and leases to deposits | 39.2457% | 5,015 |
| Net loans and leases to core deposits | 39.2457% | 5,046 |
| Total domestic deposits to total assets | 80.2486% | 3,937 |
| Equity capital to assets | 19.6396% | 275 |
| Core capital (leverage) ratio | 20.4251% | 235 |
| Tier 1 risk-based capital ratio | 48.7706% | 144 |
| Total risk-based capital ratio | 49.9296% | 141 |
| Memoranda: | ||
| Average total assets | $60,093,250 | 4,661 |
| Average earning assets | $58,768,250 | 4,596 |
| Average equity | $11,434,500 | 4,103 |
| Average total loans | $18,912,000 | 4,960 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7872% | 5,247 |
| Cost of funding earning assets | 0.2583% | 4,932 |
| Net interest margin | 2.5288% | 5,115 |
| Noninterest income to average assets | 0.1995% | 4,558 |
| Noninterest expense to average assets | 1.7690% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9045% | 3,261 |
| Return on assets (ROA) | 0.9045% | 3,326 |
| Pretax return on assets | 0.9045% | 3,829 |
| Return on Equity (ROE) | 4.8047% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.8047% | 2,865 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1692% | 2,789 |
| Assets per employee ($millions) | 6.4163% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 32.2649% | 5,067 |
| Net loans and leases to deposits | 40.4349% | 5,040 |
| Net loans and leases to core deposits | 40.8785% | 5,067 |
| Total domestic deposits to total assets | 79.7946% | 4,072 |
| Equity capital to assets | 20.1344% | 244 |
| Core capital (leverage) ratio | 19.8923% | 242 |
| Tier 1 risk-based capital ratio | 47.3516% | 156 |
| Total risk-based capital ratio | 48.4628% | 152 |
| Memoranda: | ||
| Average total assets | $60,146,000 | 4,695 |
| Average earning assets | $58,841,000 | 4,628 |
| Average equity | $11,322,330 | 4,126 |
| Average total loans | $18,830,670 | 5,002 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7640% | 5,311 |
| Cost of funding earning assets | 0.2331% | 5,031 |
| Net interest margin | 2.5309% | 5,178 |
| Noninterest income to average assets | 0.1565% | 4,801 |
| Noninterest expense to average assets | 1.6758% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9585% | 3,012 |
| Return on assets (ROA) | 0.9585% | 3,053 |
| Pretax return on assets | 0.9585% | 3,590 |
| Return on Equity (ROE) | 5.2641% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.2641% | 2,792 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6139% | 3,297 |
| Assets per employee ($millions) | 6.7608% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 30.0902% | 5,147 |
| Net loans and leases to deposits | 37.0118% | 5,133 |
| Net loans and leases to core deposits | 37.3897% | 5,157 |
| Total domestic deposits to total assets | 81.2990% | 3,903 |
| Equity capital to assets | 18.6386% | 301 |
| Core capital (leverage) ratio | 18.9912% | 278 |
| Tier 1 risk-based capital ratio | 47.2047% | 153 |
| Total risk-based capital ratio | 48.3245% | 151 |
| Memoranda: | ||
| Average total assets | $61,345,500 | 4,719 |
| Average earning assets | $60,057,500 | 4,648 |
| Average equity | $11,170,000 | 4,171 |
| Average total loans | $18,793,000 | 5,059 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6960% | 5,317 |
| Cost of funding earning assets | 0.1754% | 5,095 |
| Net interest margin | 2.5207% | 5,208 |
| Noninterest income to average assets | 0.2441% | 4,459 |
| Noninterest expense to average assets | 1.6957% | 5,091 |
| Loan and lease loss provision to assets | 0.0099% | 3,924 |
| Net operating income to assets | 1.0046% | 2,989 |
| Return on assets (ROA) | 1.0046% | 2,977 |
| Pretax return on assets | 1.0046% | 3,583 |
| Return on Equity (ROE) | 5.5288% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.2165% | 4,648 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5685% | 3,418 |
| Assets per employee ($millions) | 6.8716% | 1,037 |
| Cash dividends to net income (ytd only)* | 77.9967% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 30.2843% | 5,201 |
| Net loans and leases to deposits | 36.8427% | 5,181 |
| Net loans and leases to core deposits | 37.2087% | 5,208 |
| Total domestic deposits to total assets | 82.1988% | 3,595 |
| Equity capital to assets | 17.7851% | 362 |
| Core capital (leverage) ratio | 19.0324% | 262 |
| Tier 1 risk-based capital ratio | 46.6383% | 154 |
| Total risk-based capital ratio | 47.7589% | 155 |
| Memoranda: | ||
| Average total assets | $60,623,800 | 4,752 |
| Average earning assets | $59,309,000 | 4,678 |
| Average equity | $11,015,000 | 4,152 |
| Average total loans | $19,208,200 | 5,095 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7076% | 5,375 |
| Cost of funding earning assets | 0.1492% | 5,221 |
| Net interest margin | 2.5585% | 5,244 |
| Noninterest income to average assets | 0.2697% | 4,351 |
| Noninterest expense to average assets | 1.7750% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9969% | 3,097 |
| Return on assets (ROA) | 0.9969% | 3,108 |
| Pretax return on assets | 0.9969% | 3,728 |
| Return on Equity (ROE) | 5.4571% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.4571% | 2,984 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0351% | 3,179 |
| Assets per employee ($millions) | 6.6407% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 31.9764% | 5,243 |
| Net loans and leases to deposits | 41.3273% | 5,175 |
| Net loans and leases to core deposits | 41.7791% | 5,206 |
| Total domestic deposits to total assets | 77.3734% | 4,582 |
| Equity capital to assets | 18.6962% | 287 |
| Core capital (leverage) ratio | 19.6737% | 248 |
| Tier 1 risk-based capital ratio | 46.7382% | 164 |
| Total risk-based capital ratio | 47.8068% | 162 |
| Memoranda: | ||
| Average total assets | $60,318,750 | 4,810 |
| Average earning assets | $58,991,750 | 4,736 |
| Average equity | $11,019,000 | 4,193 |
| Average total loans | $19,259,500 | 5,152 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6936% | 5,438 |
| Cost of funding earning assets | 0.1318% | 5,313 |
| Net interest margin | 2.5617% | 5,295 |
| Noninterest income to average assets | 0.3173% | 4,055 |
| Noninterest expense to average assets | 1.7189% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1041% | 2,566 |
| Return on assets (ROA) | 1.1041% | 2,574 |
| Pretax return on assets | 1.1041% | 3,303 |
| Return on Equity (ROE) | 6.0908% | 4,195 |
| Retained earnings to average equity (ytd only) | 6.0908% | 2,499 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8899% | 3,782 |
| Assets per employee ($millions) | 5.9834% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 1,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 32.7456% | 5,275 |
| Net loans and leases to deposits | 40.5728% | 5,231 |
| Net loans and leases to core deposits | 40.9973% | 5,265 |
| Total domestic deposits to total assets | 80.7083% | 4,072 |
| Equity capital to assets | 18.5430% | 286 |
| Core capital (leverage) ratio | 18.9117% | 272 |
| Tier 1 risk-based capital ratio | 45.7337% | 169 |
| Total risk-based capital ratio | 46.7899% | 168 |
| Memoranda: | ||
| Average total assets | $60,503,000 | 4,865 |
| Average earning assets | $59,178,330 | 4,790 |
| Average equity | $10,967,330 | 4,232 |
| Average total loans | $19,219,670 | 5,214 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6041% | 5,512 |
| Cost of funding earning assets | 0.1346% | 5,340 |
| Net interest margin | 2.4695% | 5,413 |
| Noninterest income to average assets | 0.2367% | 4,588 |
| Noninterest expense to average assets | 1.6963% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9534% | 3,060 |
| Return on assets (ROA) | 0.9534% | 3,080 |
| Pretax return on assets | 0.9534% | 3,695 |
| Return on Equity (ROE) | 5.3194% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.3194% | 3,029 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0199% | 3,481 |
| Assets per employee ($millions) | 6.8239% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 3,554 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 30.2613% | 5,359 |
| Net loans and leases to deposits | 36.8662% | 5,340 |
| Net loans and leases to core deposits | 37.2355% | 5,370 |
| Total domestic deposits to total assets | 82.0842% | 3,935 |
| Equity capital to assets | 17.8295% | 329 |
| Core capital (leverage) ratio | 18.6319% | 277 |
| Tier 1 risk-based capital ratio | 46.3553% | 161 |
| Total risk-based capital ratio | 47.4437% | 157 |
| Memoranda: | ||
| Average total assets | $60,837,500 | 4,908 |
| Average earning assets | $59,445,500 | 4,840 |
| Average equity | $10,903,500 | 4,282 |
| Average total loans | $18,899,000 | 5,278 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6107% | 5,525 |
| Cost of funding earning assets | 0.1269% | 5,377 |
| Net interest margin | 2.4838% | 5,421 |
| Noninterest income to average assets | 0.1469% | 5,216 |
| Noninterest expense to average assets | 1.7117% | 5,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8583% | 2,920 |
| Return on assets (ROA) | 0.8583% | 2,940 |
| Pretax return on assets | 0.8583% | 4,054 |
| Return on Equity (ROE) | 4.7503% | 4,270 |
| Retained earnings to average equity (ytd only) | 0.6212% | 4,795 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6024% | 3,148 |
| Assets per employee ($millions) | 6.6956% | 1,107 |
| Cash dividends to net income (ytd only)* | 86.9231% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,578 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 30.9940% | 5,418 |
| Net loans and leases to deposits | 37.8192% | 5,397 |
| Net loans and leases to core deposits | 38.2060% | 5,419 |
| Total domestic deposits to total assets | 81.9532% | 3,882 |
| Equity capital to assets | 18.0169% | 311 |
| Core capital (leverage) ratio | 18.5879% | 256 |
| Tier 1 risk-based capital ratio | 44.9649% | 157 |
| Total risk-based capital ratio | 46.0342% | 157 |
| Memoranda: | ||
| Average total assets | $60,581,800 | 4,951 |
| Average earning assets | $59,101,800 | 4,878 |
| Average equity | $10,946,600 | 4,308 |
| Average total loans | $18,323,200 | 5,348 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5960% | 5,593 |
| Cost of funding earning assets | 0.1262% | 5,447 |
| Net interest margin | 2.4698% | 5,493 |
| Noninterest income to average assets | 0.2000% | 5,009 |
| Noninterest expense to average assets | 1.7825% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8264% | 3,405 |
| Return on assets (ROA) | 0.8264% | 3,441 |
| Pretax return on assets | 0.8264% | 4,282 |
| Return on Equity (ROE) | 4.5703% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.5703% | 3,165 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3235% | 2,817 |
| Assets per employee ($millions) | 6.0056% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 3,498 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 30.9911% | 5,477 |
| Net loans and leases to deposits | 39.3522% | 5,435 |
| Net loans and leases to core deposits | 39.7726% | 5,465 |
| Total domestic deposits to total assets | 78.7532% | 4,582 |
| Equity capital to assets | 18.6692% | 286 |
| Core capital (leverage) ratio | 19.3768% | 230 |
| Tier 1 risk-based capital ratio | 46.0669% | 153 |
| Total risk-based capital ratio | 47.1333% | 154 |
| Memoranda: | ||
| Average total assets | $60,662,250 | 5,003 |
| Average earning assets | $59,166,250 | 4,931 |
| Average equity | $10,969,000 | 4,344 |
| Average total loans | $18,167,750 | 5,410 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5705% | 5,640 |
| Cost of funding earning assets | 0.1179% | 5,523 |
| Net interest margin | 2.4526% | 5,533 |
| Noninterest income to average assets | 0.2136% | 4,975 |
| Noninterest expense to average assets | 1.7810% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8248% | 3,273 |
| Return on assets (ROA) | 0.8248% | 3,330 |
| Pretax return on assets | 0.8248% | 4,182 |
| Return on Equity (ROE) | 4.6106% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.6106% | 2,967 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3480% | 2,947 |
| Assets per employee ($millions) | 5.4554% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 1,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 3,574 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 29.5622% | 5,554 |
| Net loans and leases to deposits | 36.3056% | 5,533 |
| Net loans and leases to core deposits | 36.6809% | 5,558 |
| Total domestic deposits to total assets | 81.4261% | 4,069 |
| Equity capital to assets | 18.4689% | 290 |
| Core capital (leverage) ratio | 19.1717% | 232 |
| Tier 1 risk-based capital ratio | 47.1994% | 143 |
| Total risk-based capital ratio | 48.3040% | 143 |
| Memoranda: | ||
| Average total assets | $60,864,330 | 5,042 |
| Average earning assets | $59,365,000 | 4,967 |
| Average equity | $10,888,000 | 4,374 |
| Average total loans | $17,930,330 | 5,466 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5561% | 5,703 |
| Cost of funding earning assets | 0.1204% | 5,560 |
| Net interest margin | 2.4357% | 5,591 |
| Noninterest income to average assets | 0.2088% | 5,017 |
| Noninterest expense to average assets | 1.8077% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7766% | 3,329 |
| Return on assets (ROA) | 0.7766% | 3,389 |
| Pretax return on assets | 0.7766% | 4,198 |
| Return on Equity (ROE) | 4.4113% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.4113% | 3,219 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9495% | 2,903 |
| Assets per employee ($millions) | 5.5028% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 1,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 3,677 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 28.2169% | 5,627 |
| Net loans and leases to deposits | 34.4953% | 5,609 |
| Net loans and leases to core deposits | 34.8472% | 5,638 |
| Total domestic deposits to total assets | 81.7994% | 4,219 |
| Equity capital to assets | 17.9445% | 309 |
| Core capital (leverage) ratio | 18.5405% | 257 |
| Tier 1 risk-based capital ratio | 48.9430% | 137 |
| Total risk-based capital ratio | 50.1016% | 136 |
| Memoranda: | ||
| Average total assets | $61,292,000 | 5,088 |
| Average earning assets | $59,778,500 | 5,008 |
| Average equity | $10,790,500 | 4,421 |
| Average total loans | $17,891,500 | 5,526 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7274% | 5,677 |
| Cost of funding earning assets | 0.1098% | 5,657 |
| Net interest margin | 2.6176% | 5,493 |
| Noninterest income to average assets | 0.1386% | 5,497 |
| Noninterest expense to average assets | 1.8644% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8191% | 3,215 |
| Return on assets (ROA) | 0.8191% | 3,318 |
| Pretax return on assets | 0.8191% | 4,136 |
| Return on Equity (ROE) | 4.6211% | 4,607 |
| Retained earnings to average equity (ytd only) | 0.7822% | 5,007 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4774% | 2,998 |
| Assets per employee ($millions) | 5.1711% | 2,214 |
| Cash dividends to net income (ytd only)* | 83.0739% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 3,793 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 29.2766% | 5,654 |
| Net loans and leases to deposits | 35.4091% | 5,651 |
| Net loans and leases to core deposits | 35.7576% | 5,675 |
| Total domestic deposits to total assets | 82.6809% | 3,868 |
| Equity capital to assets | 17.2739% | 357 |
| Core capital (leverage) ratio | 17.6574% | 303 |
| Tier 1 risk-based capital ratio | 46.3390% | 163 |
| Total risk-based capital ratio | 47.4477% | 163 |
| Memoranda: | ||
| Average total assets | $62,755,600 | 5,079 |
| Average earning assets | $61,011,200 | 4,995 |
| Average equity | $11,122,800 | 4,410 |
| Average total loans | $18,505,800 | 5,557 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7593% | 5,733 |
| Cost of funding earning assets | 0.1112% | 5,716 |
| Net interest margin | 2.6481% | 5,551 |
| Noninterest income to average assets | 0.1864% | 5,341 |
| Noninterest expense to average assets | 1.8983% | 5,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8602% | 3,099 |
| Return on assets (ROA) | 0.8602% | 3,227 |
| Pretax return on assets | 0.8602% | 4,121 |
| Return on Equity (ROE) | 4.8230% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.8230% | 2,944 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8172% | 3,077 |
| Assets per employee ($millions) | 5.2608% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 3,758 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 28.4750% | 5,743 |
| Net loans and leases to deposits | 34.8927% | 5,741 |
| Net loans and leases to core deposits | 35.2346% | 5,763 |
| Total domestic deposits to total assets | 81.6075% | 4,076 |
| Equity capital to assets | 18.1834% | 328 |
| Core capital (leverage) ratio | 18.3657% | 272 |
| Tier 1 risk-based capital ratio | 47.6173% | 154 |
| Total risk-based capital ratio | 48.7249% | 154 |
| Memoranda: | ||
| Average total assets | $62,931,250 | 5,121 |
| Average earning assets | $61,125,250 | 5,036 |
| Average equity | $11,223,750 | 4,429 |
| Average total loans | $18,523,500 | 5,613 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8439% | 5,777 |
| Cost of funding earning assets | 0.1114% | 5,803 |
| Net interest margin | 2.7325% | 5,531 |
| Noninterest income to average assets | 0.1686% | 5,480 |
| Noninterest expense to average assets | 1.8802% | 5,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9417% | 2,666 |
| Return on assets (ROA) | 0.9417% | 2,808 |
| Pretax return on assets | 0.9417% | 3,799 |
| Return on Equity (ROE) | 5.3148% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.3148% | 2,536 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6291% | 3,583 |
| Assets per employee ($millions) | 5.1265% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 3,788 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 31.2218% | 5,757 |
| Net loans and leases to deposits | 38.4025% | 5,738 |
| Net loans and leases to core deposits | 38.7903% | 5,774 |
| Total domestic deposits to total assets | 81.3014% | 4,187 |
| Equity capital to assets | 18.5490% | 291 |
| Core capital (leverage) ratio | 18.0892% | 289 |
| Tier 1 risk-based capital ratio | 48.4194% | 143 |
| Total risk-based capital ratio | 49.5566% | 143 |
| Memoranda: | ||
| Average total assets | $62,865,330 | 5,177 |
| Average earning assets | $61,042,670 | 5,086 |
| Average equity | $11,138,670 | 4,473 |
| Average total loans | $18,616,670 | 5,676 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8850% | 5,802 |
| Cost of funding earning assets | 0.1102% | 5,865 |
| Net interest margin | 2.7748% | 5,511 |
| Noninterest income to average assets | 0.2015% | 5,298 |
| Noninterest expense to average assets | 1.8634% | 5,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0324% | 2,152 |
| Return on assets (ROA) | 1.0324% | 2,273 |
| Pretax return on assets | 1.0324% | 3,352 |
| Return on Equity (ROE) | 5.9623% | 4,001 |
| Retained earnings to average equity (ytd only) | 5.9623% | 2,386 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3478% | 4,062 |
| Assets per employee ($millions) | 5.3231% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 2,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 3,941 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 29.6429% | 5,833 |
| Net loans and leases to deposits | 36.0063% | 5,829 |
| Net loans and leases to core deposits | 36.3519% | 5,854 |
| Total domestic deposits to total assets | 82.3270% | 4,109 |
| Equity capital to assets | 17.5603% | 370 |
| Core capital (leverage) ratio | 17.9722% | 296 |
| Tier 1 risk-based capital ratio | 45.1052% | 174 |
| Total risk-based capital ratio | 46.1769% | 173 |
| Memoranda: | ||
| Average total assets | $63,539,000 | 5,206 |
| Average earning assets | $61,699,000 | 5,120 |
| Average equity | $11,002,500 | 4,508 |
| Average total loans | $18,187,500 | 5,742 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9617% | 5,758 |
| Cost of funding earning assets | 0.1265% | 5,845 |
| Net interest margin | 2.8352% | 5,453 |
| Noninterest income to average assets | 0.1370% | 5,725 |
| Noninterest expense to average assets | 1.9206% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9651% | 2,551 |
| Return on assets (ROA) | 0.9651% | 2,623 |
| Pretax return on assets | 0.9651% | 3,595 |
| Return on Equity (ROE) | 5.5508% | 4,259 |
| Retained earnings to average equity (ytd only) | 1.1999% | 5,028 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5563% | 3,819 |
| Assets per employee ($millions) | 5.2668% | 2,044 |
| Cash dividends to net income (ytd only)* | 78.3828% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 1,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 3,929 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 26.7464% | 5,963 |
| Net loans and leases to deposits | 32.2743% | 5,966 |
| Net loans and leases to core deposits | 32.7476% | 5,978 |
| Total domestic deposits to total assets | 82.8721% | 3,878 |
| Equity capital to assets | 17.0694% | 402 |
| Core capital (leverage) ratio | 17.0591% | 360 |
| Tier 1 risk-based capital ratio | 46.4092% | 151 |
| Total risk-based capital ratio | 47.5282% | 149 |
| Memoranda: | ||
| Average total assets | $62,792,400 | 5,246 |
| Average earning assets | $60,877,200 | 5,166 |
| Average equity | $10,917,400 | 4,495 |
| Average total loans | $18,141,600 | 5,789 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9470% | 5,855 |
| Cost of funding earning assets | 0.1273% | 5,935 |
| Net interest margin | 2.8198% | 5,550 |
| Noninterest income to average assets | 0.1872% | 5,540 |
| Noninterest expense to average assets | 1.9843% | 5,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9358% | 2,773 |
| Return on assets (ROA) | 0.9358% | 2,872 |
| Pretax return on assets | 0.9358% | 3,865 |
| Return on Equity (ROE) | 5.3577% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.3577% | 2,673 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9534% | 3,548 |
| Assets per employee ($millions) | 5.3794% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 2,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 3,938 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 27.5990% | 6,038 |
| Net loans and leases to deposits | 33.5354% | 6,022 |
| Net loans and leases to core deposits | 34.0182% | 6,047 |
| Total domestic deposits to total assets | 82.2983% | 4,070 |
| Equity capital to assets | 17.4942% | 387 |
| Core capital (leverage) ratio | 17.6689% | 317 |
| Tier 1 risk-based capital ratio | 45.6175% | 175 |
| Total risk-based capital ratio | 46.6877% | 177 |
| Memoranda: | ||
| Average total assets | $62,690,250 | 5,318 |
| Average earning assets | $60,760,250 | 5,224 |
| Average equity | $10,949,750 | 4,544 |
| Average total loans | $18,384,000 | 5,856 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9280% | 5,915 |
| Cost of funding earning assets | 0.1329% | 5,967 |
| Net interest margin | 2.7950% | 5,623 |
| Noninterest income to average assets | 0.1740% | 5,656 |
| Noninterest expense to average assets | 2.0107% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8732% | 3,026 |
| Return on assets (ROA) | 0.8732% | 3,134 |
| Pretax return on assets | 0.8732% | 4,057 |
| Return on Equity (ROE) | 5.0022% | 4,616 |
| Retained earnings to average equity (ytd only) | 5.0022% | 2,863 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7207% | 3,374 |
| Assets per employee ($millions) | 5.2807% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 2,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 4,038 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 28.7511% | 6,074 |
| Net loans and leases to deposits | 34.7804% | 6,069 |
| Net loans and leases to core deposits | 35.2876% | 6,084 |
| Total domestic deposits to total assets | 82.6648% | 4,070 |
| Equity capital to assets | 17.1617% | 404 |
| Core capital (leverage) ratio | 17.8083% | 306 |
| Tier 1 risk-based capital ratio | 65.2767% | 86 |
| Total risk-based capital ratio | 66.5294% | 86 |
| Memoranda: | ||
| Average total assets | $62,069,330 | 5,391 |
| Average earning assets | $60,178,330 | 5,304 |
| Average equity | $10,835,330 | 4,595 |
| Average total loans | $18,484,000 | 5,908 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9210% | 5,977 |
| Cost of funding earning assets | 0.1343% | 6,034 |
| Net interest margin | 2.7867% | 5,670 |
| Noninterest income to average assets | 0.1693% | 5,706 |
| Noninterest expense to average assets | 2.0124% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8597% | 2,966 |
| Return on assets (ROA) | 0.8597% | 3,081 |
| Pretax return on assets | 0.8597% | 4,025 |
| Return on Equity (ROE) | 4.8819% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.8819% | 3,122 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0680% | 3,475 |
| Assets per employee ($millions) | 5.2160% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 2,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 4,114 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 29.2098% | 6,102 |
| Net loans and leases to deposits | 35.4610% | 6,077 |
| Net loans and leases to core deposits | 35.9866% | 6,102 |
| Total domestic deposits to total assets | 82.3715% | 4,390 |
| Equity capital to assets | 17.5582% | 371 |
| Core capital (leverage) ratio | 17.9157% | 290 |
| Tier 1 risk-based capital ratio | 63.9954% | 96 |
| Total risk-based capital ratio | 65.2447% | 95 |
| Memoranda: | ||
| Average total assets | $61,420,000 | 5,466 |
| Average earning assets | $59,569,500 | 5,367 |
| Average equity | $10,815,500 | 4,638 |
| Average total loans | $18,482,500 | 5,959 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0833% | 5,976 |
| Cost of funding earning assets | 0.1567% | 6,059 |
| Net interest margin | 2.9265% | 5,591 |
| Noninterest income to average assets | 0.0989% | 6,160 |
| Noninterest expense to average assets | 2.0035% | 5,758 |
| Loan and lease loss provision to assets | 0.0330% | 3,936 |
| Net operating income to assets | 0.8954% | 2,897 |
| Return on assets (ROA) | 0.8954% | 2,986 |
| Pretax return on assets | 0.8954% | 3,927 |
| Return on Equity (ROE) | 5.3142% | 4,506 |
| Retained earnings to average equity (ytd only) | 0.7634% | 5,425 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3352% | 3,842 |
| Assets per employee ($millions) | 5.0207% | 2,295 |
| Cash dividends to net income (ytd only)* | 85.6354% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 2,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 4,138 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 30.1188% | 6,173 |
| Net loans and leases to deposits | 36.6786% | 6,149 |
| Net loans and leases to core deposits | 37.2455% | 6,175 |
| Total domestic deposits to total assets | 82.1156% | 4,375 |
| Equity capital to assets | 17.6620% | 347 |
| Core capital (leverage) ratio | 17.9939% | 290 |
| Tier 1 risk-based capital ratio | 61.8016% | 87 |
| Total risk-based capital ratio | 63.0563% | 87 |
| Memoranda: | ||
| Average total assets | $60,642,600 | 5,534 |
| Average earning assets | $58,704,000 | 5,437 |
| Average equity | $10,218,000 | 4,704 |
| Average total loans | $18,550,800 | 6,015 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0894% | 6,045 |
| Cost of funding earning assets | 0.1588% | 6,127 |
| Net interest margin | 2.9306% | 5,634 |
| Noninterest income to average assets | 0.2107% | 5,671 |
| Noninterest expense to average assets | 2.1841% | 5,385 |
| Loan and lease loss provision to assets | 0.0439% | 3,518 |
| Net operating income to assets | 0.8188% | 3,347 |
| Return on assets (ROA) | 0.8188% | 3,442 |
| Pretax return on assets | 0.8188% | 4,292 |
| Return on Equity (ROE) | 4.9180% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.9180% | 3,141 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6859% | 3,237 |
| Assets per employee ($millions) | 5.0122% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 3,630 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 30.5640% | 6,233 |
| Net loans and leases to deposits | 37.6046% | 6,198 |
| Net loans and leases to core deposits | 37.9932% | 6,234 |
| Total domestic deposits to total assets | 81.2772% | 4,741 |
| Equity capital to assets | 17.7518% | 356 |
| Core capital (leverage) ratio | 18.6890% | 268 |
| Tier 1 risk-based capital ratio | 62.8252% | 85 |
| Total risk-based capital ratio | 64.0784% | 85 |
| Memoranda: | ||
| Average total assets | $60,741,250 | 5,593 |
| Average earning assets | $58,779,750 | 5,493 |
| Average equity | $10,112,250 | 4,761 |
| Average total loans | $18,585,000 | 6,079 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0546% | 6,129 |
| Cost of funding earning assets | 0.1561% | 6,231 |
| Net interest margin | 2.8985% | 5,738 |
| Noninterest income to average assets | 0.2035% | 5,737 |
| Noninterest expense to average assets | 2.1923% | 5,435 |
| Loan and lease loss provision to assets | 0.0459% | 3,396 |
| Net operating income to assets | 0.7680% | 3,471 |
| Return on assets (ROA) | 0.7680% | 3,579 |
| Pretax return on assets | 0.7680% | 4,390 |
| Return on Equity (ROE) | 4.7158% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.7158% | 3,144 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9258% | 3,172 |
| Assets per employee ($millions) | 5.0168% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 3,797 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 30.0621% | 6,300 |
| Net loans and leases to deposits | 37.2172% | 6,254 |
| Net loans and leases to core deposits | 37.2172% | 6,300 |
| Total domestic deposits to total assets | 80.7747% | 5,046 |
| Equity capital to assets | 17.3499% | 380 |
| Core capital (leverage) ratio | 18.1059% | 292 |
| Tier 1 risk-based capital ratio | 61.4350% | 85 |
| Total risk-based capital ratio | 62.6868% | 85 |
| Memoranda: | ||
| Average total assets | $60,939,670 | 5,635 |
| Average earning assets | $58,927,000 | 5,534 |
| Average equity | $9,924,000 | 4,823 |
| Average total loans | $18,563,000 | 6,137 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 6,216 |
| Cost of funding earning assets | 0.1554% | 6,326 |
| Net interest margin | 2.8711% | 5,808 |
| Noninterest income to average assets | 0.1696% | 5,957 |
| Noninterest expense to average assets | 2.1922% | 5,480 |
| Loan and lease loss provision to assets | 0.0522% | 3,057 |
| Net operating income to assets | 0.6981% | 3,698 |
| Return on assets (ROA) | 0.6981% | 3,774 |
| Pretax return on assets | 0.6981% | 4,494 |
| Return on Equity (ROE) | 4.4290% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.4290% | 3,468 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5011% | 3,045 |
| Assets per employee ($millions) | 5.1176% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 3,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 3,735 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.0191% | 6,352 |
| Net loans and leases to deposits | 35.8804% | 6,324 |
| Net loans and leases to core deposits | 35.8804% | 6,367 |
| Total domestic deposits to total assets | 83.6642% | 4,395 |
| Equity capital to assets | 16.1844% | 502 |
| Core capital (leverage) ratio | 17.7569% | 315 |
| Tier 1 risk-based capital ratio | 60.1081% | 89 |
| Total risk-based capital ratio | 61.3579% | 88 |
| Memoranda: | ||
| Average total assets | $61,308,500 | 5,676 |
| Average earning assets | $59,210,500 | 5,582 |
| Average equity | $9,663,500 | 4,897 |
| Average total loans | $18,664,500 | 6,192 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0909% | 6,251 |
| Cost of funding earning assets | 0.2132% | 6,213 |
| Net interest margin | 2.8777% | 5,831 |
| Noninterest income to average assets | 0.2374% | 5,648 |
| Noninterest expense to average assets | 2.0571% | 5,913 |
| Loan and lease loss provision to assets | 0.0823% | 3,471 |
| Net operating income to assets | 0.8751% | 2,906 |
| Return on assets (ROA) | 0.8751% | 2,990 |
| Pretax return on assets | 0.8751% | 3,872 |
| Return on Equity (ROE) | 5.3632% | 4,464 |
| Retained earnings to average equity (ytd only) | 0.8535% | 5,455 |
| Net charge-offs to loans | 0.0652% | 4,296 |
| Credit loss provision to net charge-offs | 400.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 46.5385% | 839 |
| Efficiency ratio | 68.2415% | 4,153 |
| Assets per employee ($millions) | 5.1005% | 2,069 |
| Cash dividends to net income (ytd only)* | 84.0868% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 3,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 3,611 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 30.0461% | 6,458 |
| Net loans and leases to deposits | 35.5321% | 6,441 |
| Net loans and leases to core deposits | 35.5321% | 6,487 |
| Total domestic deposits to total assets | 84.5603% | 3,940 |
| Equity capital to assets | 15.3384% | 614 |
| Core capital (leverage) ratio | 17.2263% | 350 |
| Tier 1 risk-based capital ratio | 59.9099% | 88 |
| Total risk-based capital ratio | 61.1624% | 88 |
| Memoranda: | ||
| Average total assets | $63,194,600 | 5,671 |
| Average earning assets | $60,985,600 | 5,564 |
| Average equity | $10,311,000 | 4,782 |
| Average total loans | $19,949,600 | 6,203 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 6,331 |
| Cost of funding earning assets | 0.2234% | 6,278 |
| Net interest margin | 2.8649% | 5,887 |
| Noninterest income to average assets | 0.2386% | 5,727 |
| Noninterest expense to average assets | 1.9154% | 6,160 |
| Loan and lease loss provision to assets | 0.0942% | 3,192 |
| Net operating income to assets | 0.9944% | 2,397 |
| Return on assets (ROA) | 0.9944% | 2,487 |
| Pretax return on assets | 0.9944% | 3,523 |
| Return on Equity (ROE) | 6.0077% | 4,181 |
| Retained earnings to average equity (ytd only) | 6.0077% | 2,399 |
| Net charge-offs to loans | 0.0855% | 3,729 |
| Credit loss provision to net charge-offs | 346.1538% | 747 |
| Earnings coverage of net charge-offs (x) | 40.0069% | 1,002 |
| Efficiency ratio | 63.7631% | 4,841 |
| Assets per employee ($millions) | 5.2267% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 4,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8865% | 3,908 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 30.6378% | 6,511 |
| Net loans and leases to deposits | 36.5998% | 6,482 |
| Net loans and leases to core deposits | 36.7770% | 6,539 |
| Total domestic deposits to total assets | 83.7101% | 4,310 |
| Equity capital to assets | 16.1320% | 534 |
| Core capital (leverage) ratio | 17.8684% | 309 |
| Tier 1 risk-based capital ratio | 59.1195% | 97 |
| Total risk-based capital ratio | 60.3811% | 93 |
| Memoranda: | ||
| Average total assets | $63,691,750 | 5,718 |
| Average earning assets | $61,478,500 | 5,613 |
| Average equity | $10,541,750 | 4,786 |
| Average total loans | $20,277,500 | 6,252 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0857% | 6,357 |
| Cost of funding earning assets | 0.2361% | 6,262 |
| Net interest margin | 2.8496% | 5,899 |
| Noninterest income to average assets | 0.2343% | 5,769 |
| Noninterest expense to average assets | 1.8933% | 6,233 |
| Loan and lease loss provision to assets | 0.1156% | 2,879 |
| Net operating income to assets | 0.9779% | 2,423 |
| Return on assets (ROA) | 0.9779% | 2,574 |
| Pretax return on assets | 0.9779% | 3,611 |
| Return on Equity (ROE) | 5.8598% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.8598% | 2,512 |
| Net charge-offs to loans | 0.1362% | 3,015 |
| Credit loss provision to net charge-offs | 264.2857% | 955 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,276 |
| Efficiency ratio | 63.3891% | 4,947 |
| Assets per employee ($millions) | 5.2260% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 5,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 4,025 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 31.3592% | 6,530 |
| Net loans and leases to deposits | 37.5764% | 6,501 |
| Net loans and leases to core deposits | 37.7582% | 6,548 |
| Total domestic deposits to total assets | 83.4545% | 4,522 |
| Equity capital to assets | 16.4004% | 477 |
| Core capital (leverage) ratio | 17.3164% | 341 |
| Tier 1 risk-based capital ratio | 56.8082% | 99 |
| Total risk-based capital ratio | 57.9922% | 98 |
| Memoranda: | ||
| Average total assets | $64,015,670 | 5,747 |
| Average earning assets | $61,834,000 | 5,637 |
| Average equity | $10,683,000 | 4,795 |
| Average total loans | $20,551,000 | 6,275 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0589% | 6,446 |
| Cost of funding earning assets | 0.2560% | 6,248 |
| Net interest margin | 2.8030% | 6,026 |
| Noninterest income to average assets | 0.2289% | 5,829 |
| Noninterest expense to average assets | 1.9299% | 6,230 |
| Loan and lease loss provision to assets | 0.1361% | 2,542 |
| Net operating income to assets | 0.8722% | 2,792 |
| Return on assets (ROA) | 0.8722% | 2,943 |
| Pretax return on assets | 0.8722% | 3,865 |
| Return on Equity (ROE) | 5.1829% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.1829% | 3,124 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6842% | 4,713 |
| Assets per employee ($millions) | 5.4540% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 5,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 4,259 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 30.3905% | 6,590 |
| Net loans and leases to deposits | 36.5269% | 6,553 |
| Net loans and leases to core deposits | 36.6967% | 6,602 |
| Total domestic deposits to total assets | 83.2004% | 4,793 |
| Equity capital to assets | 16.6911% | 463 |
| Core capital (leverage) ratio | 16.9377% | 361 |
| Tier 1 risk-based capital ratio | 52.9139% | 120 |
| Total risk-based capital ratio | 54.0293% | 121 |
| Memoranda: | ||
| Average total assets | $64,667,500 | 5,786 |
| Average earning assets | $62,505,500 | 5,662 |
| Average equity | $10,882,000 | 4,793 |
| Average total loans | $20,877,500 | 6,316 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4673% | 6,392 |
| Cost of funding earning assets | 0.4153% | 5,814 |
| Net interest margin | 3.0520% | 5,926 |
| Noninterest income to average assets | 0.2212% | 5,856 |
| Noninterest expense to average assets | 2.2323% | 5,851 |
| Loan and lease loss provision to assets | 0.2981% | 2,293 |
| Net operating income to assets | 0.9318% | 2,637 |
| Return on assets (ROA) | 0.8910% | 3,097 |
| Pretax return on assets | 0.5898% | 5,021 |
| Return on Equity (ROE) | 5.3173% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.6553% | 5,532 |
| Net charge-offs to loans | 0.1203% | 4,485 |
| Credit loss provision to net charge-offs | 703.7037% | 350 |
| Earnings coverage of net charge-offs (x) | 21.9259% | 1,282 |
| Efficiency ratio | 70.6203% | 3,689 |
| Assets per employee ($millions) | 5.3239% | 1,867 |
| Cash dividends to net income (ytd only)* | 87.6761% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 4,306 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 33.5358% | 6,567 |
| Net loans and leases to deposits | 40.4383% | 6,529 |
| Net loans and leases to core deposits | 40.6315% | 6,594 |
| Total domestic deposits to total assets | 82.9308% | 4,750 |
| Equity capital to assets | 16.9675% | 420 |
| Core capital (leverage) ratio | 16.8036% | 372 |
| Tier 1 risk-based capital ratio | 42.8385% | 190 |
| Total risk-based capital ratio | 43.6661% | 191 |
| Memoranda: | ||
| Average total assets | $63,745,800 | 5,827 |
| Average earning assets | $61,402,000 | 5,693 |
| Average equity | $10,682,200 | 4,819 |
| Average total loans | $22,436,800 | 6,326 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5328% | 6,470 |
| Cost of funding earning assets | 0.4479% | 5,810 |
| Net interest margin | 3.0850% | 5,970 |
| Noninterest income to average assets | 0.2197% | 5,977 |
| Noninterest expense to average assets | 2.3271% | 5,605 |
| Loan and lease loss provision to assets | 0.3348% | 1,953 |
| Net operating income to assets | 0.9376% | 2,805 |
| Return on assets (ROA) | 0.9459% | 2,991 |
| Pretax return on assets | 0.5357% | 5,359 |
| Return on Equity (ROE) | 5.6625% | 4,502 |
| Retained earnings to average equity (ytd only) | -0.5763% | 6,194 |
| Net charge-offs to loans | 0.1355% | 4,036 |
| Credit loss provision to net charge-offs | 695.6522% | 391 |
| Earnings coverage of net charge-offs (x) | 17.9107% | 1,600 |
| Efficiency ratio | 72.9659% | 3,147 |
| Assets per employee ($millions) | 5.3023% | 1,827 |
| Cash dividends to net income (ytd only)* | 110.1767% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9210% | 4,438 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 32.9436% | 6,706 |
| Net loans and leases to deposits | 39.7485% | 6,681 |
| Net loans and leases to core deposits | 39.9386% | 6,740 |
| Total domestic deposits to total assets | 82.8799% | 4,685 |
| Equity capital to assets | 16.8372% | 488 |
| Core capital (leverage) ratio | 16.9207% | 376 |
| Tier 1 risk-based capital ratio | 42.7721% | 199 |
| Total risk-based capital ratio | 43.5035% | 204 |
| Memoranda: | ||
| Average total assets | $63,710,500 | 5,888 |
| Average earning assets | $61,328,250 | 5,756 |
| Average equity | $10,642,750 | 4,876 |
| Average total loans | $22,637,500 | 6,388 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6607% | 6,400 |
| Cost of funding earning assets | 0.4885% | 5,691 |
| Net interest margin | 3.1722% | 5,816 |
| Noninterest income to average assets | 0.2165% | 6,018 |
| Noninterest expense to average assets | 2.3157% | 5,686 |
| Loan and lease loss provision to assets | 0.3138% | 2,100 |
| Net operating income to assets | 1.2583% | 1,547 |
| Return on assets (ROA) | 1.2583% | 1,713 |
| Pretax return on assets | 0.6433% | 4,984 |
| Return on Equity (ROE) | 7.5523% | 3,478 |
| Retained earnings to average equity (ytd only) | -1.8269% | 6,336 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7574% | 3,639 |
| Assets per employee ($millions) | 5.2679% | 1,848 |
| Cash dividends to net income (ytd only)* | 124.1895% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 6,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 4,710 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 33.7436% | 6,739 |
| Net loans and leases to deposits | 40.6801% | 6,711 |
| Net loans and leases to core deposits | 40.8757% | 6,779 |
| Total domestic deposits to total assets | 82.9487% | 4,775 |
| Equity capital to assets | 16.8362% | 463 |
| Core capital (leverage) ratio | 16.6435% | 396 |
| Tier 1 risk-based capital ratio | 42.2602% | 200 |
| Total risk-based capital ratio | 42.8396% | 202 |
| Memoranda: | ||
| Average total assets | $63,738,330 | 5,924 |
| Average earning assets | $61,409,330 | 5,787 |
| Average equity | $10,619,330 | 4,891 |
| Average total loans | $23,135,330 | 6,413 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 6,289 |
| Cost of funding earning assets | 0.5514% | 5,491 |
| Net interest margin | 3.2305% | 5,698 |
| Noninterest income to average assets | 0.2250% | 6,011 |
| Noninterest expense to average assets | 2.3000% | 5,769 |
| Loan and lease loss provision to assets | 0.2500% | 2,462 |
| Net operating income to assets | 2.0125% | 408 |
| Return on assets (ROA) | 2.0125% | 470 |
| Pretax return on assets | 0.7875% | 4,464 |
| Return on Equity (ROE) | 12.1424% | 1,640 |
| Retained earnings to average equity (ytd only) | -6.6368% | 6,698 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9139% | 3,995 |
| Assets per employee ($millions) | 5.4020% | 1,788 |
| Cash dividends to net income (ytd only)* | 154.6584% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3674% | 7,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 4,895 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 35.9743% | 6,618 |
| Net loans and leases to deposits | 43.0012% | 6,612 |
| Net loans and leases to core deposits | 43.2012% | 6,693 |
| Total domestic deposits to total assets | 83.6588% | 4,651 |
| Equity capital to assets | 16.2085% | 542 |
| Core capital (leverage) ratio | 16.4228% | 420 |
| Tier 1 risk-based capital ratio | 44.1844% | 175 |
| Total risk-based capital ratio | 44.5438% | 183 |
| Memoranda: | ||
| Average total assets | $64,000,000 | 5,957 |
| Average earning assets | $61,662,500 | 5,819 |
| Average equity | $10,607,500 | 4,903 |
| Average total loans | $23,964,500 | 6,419 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 6,181 |
| Cost of funding earning assets | 0.7668% | 5,083 |
| Net interest margin | 3.3856% | 5,526 |
| Noninterest income to average assets | 0.2287% | 5,895 |
| Noninterest expense to average assets | 2.3323% | 5,972 |
| Loan and lease loss provision to assets | 0.0672% | 5,766 |
| Net operating income to assets | 0.7102% | 3,436 |
| Return on assets (ROA) | 0.7102% | 3,618 |
| Pretax return on assets | 1.0286% | 3,128 |
| Return on Equity (ROE) | 4.2067% | 4,753 |
| Retained earnings to average equity (ytd only) | 1.0801% | 5,353 |
| Net charge-offs to loans | 1.2337% | 1,350 |
| Credit loss provision to net charge-offs | 14.0000% | 5,979 |
| Earnings coverage of net charge-offs (x) | 2.2833% | 4,081 |
| Efficiency ratio | 68.0355% | 4,348 |
| Assets per employee ($millions) | 5.2647% | 1,869 |
| Cash dividends to net income (ytd only)* | 74.3243% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1876% | 7,259 |
| Loan loss allowance to noncurrent loans | 28.7500% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,428 |
| Noncurrent loans to loans | 0.6524% | 5,396 |
| Net loans and leases to total assets | 38.7441% | 6,616 |
| Net loans and leases to deposits | 46.8307% | 6,577 |
| Net loans and leases to core deposits | 47.0558% | 6,688 |
| Total domestic deposits to total assets | 82.7324% | 4,866 |
| Equity capital to assets | 16.9495% | 449 |
| Core capital (leverage) ratio | 16.7216% | 388 |
| Tier 1 risk-based capital ratio | 42.5326% | 193 |
| Total risk-based capital ratio | 42.7147% | 206 |
| Memoranda: | ||
| Average total assets | $62,514,200 | 5,969 |
| Average earning assets | $59,073,800 | 5,897 |
| Average equity | $10,554,600 | 4,895 |
| Average total loans | $24,317,600 | 6,454 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 6,197 |
| Cost of funding earning assets | 0.8144% | 5,056 |
| Net interest margin | 3.3873% | 5,612 |
| Noninterest income to average assets | 0.2288% | 5,980 |
| Noninterest expense to average assets | 2.3288% | 5,961 |
| Loan and lease loss provision to assets | 0.0577% | 5,721 |
| Net operating income to assets | 0.7057% | 3,587 |
| Return on assets (ROA) | 0.7057% | 3,751 |
| Pretax return on assets | 1.0265% | 3,309 |
| Return on Equity (ROE) | 4.1839% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.1839% | 3,755 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2331% | 4,272 |
| Assets per employee ($millions) | 5.3138% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 4,672 |
| Loan loss allowance to noncurrent loans | 561.0169% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 6,482 |
| Noncurrent loans to loans | 0.2447% | 6,388 |
| Net loans and leases to total assets | 37.2926% | 6,808 |
| Net loans and leases to deposits | 45.2409% | 6,778 |
| Net loans and leases to core deposits | 45.4580% | 6,868 |
| Total domestic deposits to total assets | 82.4311% | 4,907 |
| Equity capital to assets | 17.1377% | 470 |
| Core capital (leverage) ratio | 17.2715% | 373 |
| Tier 1 risk-based capital ratio | 45.1365% | 177 |
| Total risk-based capital ratio | 46.3878% | 174 |
| Memoranda: | ||
| Average total assets | $62,348,750 | 6,022 |
| Average earning assets | $58,609,250 | 5,953 |
| Average equity | $10,516,250 | 4,918 |
| Average total loans | $24,266,250 | 6,517 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 5,971 |
| Cost of funding earning assets | 0.8387% | 5,130 |
| Net interest margin | 3.4767% | 5,263 |
| Noninterest income to average assets | 0.2263% | 6,052 |
| Noninterest expense to average assets | 2.3466% | 6,008 |
| Loan and lease loss provision to assets | 0.0582% | 5,585 |
| Net operating income to assets | 0.7208% | 3,437 |
| Return on assets (ROA) | 0.7208% | 3,556 |
| Pretax return on assets | 1.0505% | 3,040 |
| Return on Equity (ROE) | 4.2971% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.2971% | 3,461 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9139% | 4,531 |
| Assets per employee ($millions) | 5.1570% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 6,737 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 38.7483% | 6,821 |
| Net loans and leases to deposits | 47.2018% | 6,767 |
| Net loans and leases to core deposits | 47.4362% | 6,880 |
| Total domestic deposits to total assets | 82.0907% | 5,134 |
| Equity capital to assets | 17.2436% | 461 |
| Core capital (leverage) ratio | 17.0998% | 398 |
| Tier 1 risk-based capital ratio | 43.9252% | 192 |
| Total risk-based capital ratio | 45.1754% | 187 |
| Memoranda: | ||
| Average total assets | $61,876,330 | 6,083 |
| Average earning assets | $57,468,330 | 6,044 |
| Average equity | $10,379,000 | 4,955 |
| Average total loans | $24,318,000 | 6,573 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 5,584 |
| Cost of funding earning assets | 0.8604% | 5,206 |
| Net interest margin | 3.5697% | 4,721 |
| Noninterest income to average assets | 0.2327% | 6,050 |
| Noninterest expense to average assets | 2.3274% | 6,121 |
| Loan and lease loss provision to assets | 0.0582% | 5,271 |
| Net operating income to assets | 0.7435% | 3,309 |
| Return on assets (ROA) | 0.7435% | 3,375 |
| Pretax return on assets | 1.0926% | 2,783 |
| Return on Equity (ROE) | 4.4953% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.4953% | 3,475 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9145% | 4,870 |
| Assets per employee ($millions) | 5.2292% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 5,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 6,812 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 37.7036% | 6,921 |
| Net loans and leases to deposits | 45.3238% | 6,894 |
| Net loans and leases to core deposits | 45.5419% | 6,988 |
| Total domestic deposits to total assets | 83.1873% | 4,862 |
| Equity capital to assets | 16.3139% | 522 |
| Core capital (leverage) ratio | 17.3943% | 365 |
| Tier 1 risk-based capital ratio | 42.1761% | 207 |
| Total risk-based capital ratio | 43.4042% | 203 |
| Memoranda: | ||
| Average total assets | $61,872,500 | 6,127 |
| Average earning assets | $56,251,500 | 6,122 |
| Average equity | $10,233,000 | 4,981 |
| Average total loans | $24,326,500 | 6,626 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 5,544 |
| Cost of funding earning assets | 0.9733% | 5,823 |
| Net interest margin | 3.7945% | 3,972 |
| Noninterest income to average assets | 0.2394% | 6,086 |
| Noninterest expense to average assets | 2.5304% | 5,680 |
| Loan and lease loss provision to assets | 0.0615% | 6,531 |
| Net operating income to assets | 0.7916% | 2,840 |
| Return on assets (ROA) | 0.7916% | 2,975 |
| Pretax return on assets | 1.1335% | 2,449 |
| Return on Equity (ROE) | 4.3888% | 4,352 |
| Retained earnings to average equity (ytd only) | 1.2607% | 4,922 |
| Net charge-offs to loans | 0.2500% | 4,791 |
| Credit loss provision to net charge-offs | 56.2500% | 6,150 |
| Earnings coverage of net charge-offs (x) | 10.9219% | 1,660 |
| Efficiency ratio | 67.9211% | 4,575 |
| Assets per employee ($millions) | 5.0829% | 2,035 |
| Cash dividends to net income (ytd only)* | 71.2743% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 5,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 6,872 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 39.9656% | 6,965 |
| Net loans and leases to deposits | 48.2732% | 6,939 |
| Net loans and leases to core deposits | 48.2732% | 7,056 |
| Total domestic deposits to total assets | 82.7904% | 4,886 |
| Equity capital to assets | 16.7702% | 481 |
| Core capital (leverage) ratio | 17.4314% | 365 |
| Tier 1 risk-based capital ratio | 40.5800% | 229 |
| Total risk-based capital ratio | 41.7401% | 229 |
| Memoranda: | ||
| Average total assets | $58,489,400 | 6,258 |
| Average earning assets | $53,735,200 | 6,225 |
| Average equity | $10,549,600 | 4,974 |
| Average total loans | $25,603,600 | 6,632 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 5,553 |
| Cost of funding earning assets | 0.9864% | 6,000 |
| Net interest margin | 3.8429% | 3,783 |
| Noninterest income to average assets | 0.2189% | 6,344 |
| Noninterest expense to average assets | 2.5669% | 5,440 |
| Loan and lease loss provision to assets | 0.0622% | 6,443 |
| Net operating income to assets | 0.7881% | 3,055 |
| Return on assets (ROA) | 0.7881% | 3,220 |
| Pretax return on assets | 1.1268% | 2,745 |
| Return on Equity (ROE) | 4.2898% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.2898% | 3,474 |
| Net charge-offs to loans | 0.3303% | 4,011 |
| Credit loss provision to net charge-offs | 42.1875% | 5,990 |
| Earnings coverage of net charge-offs (x) | 8.0626% | 2,221 |
| Efficiency ratio | 68.3436% | 4,398 |
| Assets per employee ($millions) | 4.9134% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 6,820 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 42.7316% | 6,925 |
| Net loans and leases to deposits | 52.8120% | 6,846 |
| Net loans and leases to core deposits | 52.8120% | 7,015 |
| Total domestic deposits to total assets | 80.9128% | 5,408 |
| Equity capital to assets | 18.4885% | 375 |
| Core capital (leverage) ratio | 18.6649% | 317 |
| Tier 1 risk-based capital ratio | 35.7042% | 330 |
| Total risk-based capital ratio | 36.6756% | 333 |
| Memoranda: | ||
| Average total assets | $57,863,000 | 6,356 |
| Average earning assets | $53,257,500 | 6,320 |
| Average equity | $10,629,750 | 5,012 |
| Average total loans | $25,834,250 | 6,710 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 5,622 |
| Cost of funding earning assets | 1.0053% | 6,109 |
| Net interest margin | 3.8399% | 3,713 |
| Noninterest income to average assets | 0.2574% | 6,074 |
| Noninterest expense to average assets | 2.5740% | 5,441 |
| Loan and lease loss provision to assets | 0.0626% | 6,322 |
| Net operating income to assets | 0.8105% | 2,922 |
| Return on assets (ROA) | 0.8105% | 3,070 |
| Pretax return on assets | 1.1548% | 2,569 |
| Return on Equity (ROE) | 4.4215% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.4215% | 3,261 |
| Net charge-offs to loans | -0.0617% | 7,477 |
| Credit loss provision to net charge-offs | -225.0000% | 6,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8899% | 4,604 |
| Assets per employee ($millions) | 4.7209% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,451 |
| Loan loss allowance to noncurrent loans | 337.7358% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 6,261 |
| Noncurrent loans to loans | 0.4133% | 6,417 |
| Net loans and leases to total assets | 44.6382% | 6,875 |
| Net loans and leases to deposits | 55.4416% | 6,766 |
| Net loans and leases to core deposits | 56.1170% | 6,935 |
| Total domestic deposits to total assets | 80.5140% | 5,557 |
| Equity capital to assets | 19.0005% | 342 |
| Core capital (leverage) ratio | 18.7039% | 310 |
| Tier 1 risk-based capital ratio | 35.5760% | 333 |
| Total risk-based capital ratio | 36.7626% | 328 |
| Memoranda: | ||
| Average total assets | $57,497,000 | 6,415 |
| Average earning assets | $52,917,670 | 6,370 |
| Average equity | $10,539,330 | 5,052 |
| Average total loans | $25,949,000 | 6,747 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 5,711 |
| Cost of funding earning assets | 1.0243% | 6,252 |
| Net interest margin | 3.8186% | 3,714 |
| Noninterest income to average assets | 0.2417% | 6,220 |
| Noninterest expense to average assets | 2.5483% | 5,556 |
| Loan and lease loss provision to assets | 0.0622% | 6,021 |
| Net operating income to assets | 0.8011% | 2,955 |
| Return on assets (ROA) | 0.8011% | 3,058 |
| Pretax return on assets | 1.1326% | 2,618 |
| Return on Equity (ROE) | 4.4500% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.4500% | 3,486 |
| Net charge-offs to loans | 0.2605% | 3,371 |
| Credit loss provision to net charge-offs | 52.9412% | 4,437 |
| Earnings coverage of net charge-offs (x) | 10.1765% | 1,769 |
| Efficiency ratio | 68.0812% | 4,707 |
| Assets per employee ($millions) | 4.8115% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 5,269 |
| Loan loss allowance to noncurrent loans | 2,160.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 6,706 |
| Noncurrent loans to loans | 0.0575% | 7,260 |
| Net loans and leases to total assets | 44.6223% | 6,942 |
| Net loans and leases to deposits | 54.8789% | 6,855 |
| Net loans and leases to core deposits | 56.0136% | 7,000 |
| Total domestic deposits to total assets | 81.3104% | 5,340 |
| Equity capital to assets | 18.3034% | 395 |
| Core capital (leverage) ratio | 18.4176% | 346 |
| Tier 1 risk-based capital ratio | 35.1382% | 355 |
| Total risk-based capital ratio | 36.2105% | 354 |
| Memoranda: | ||
| Average total assets | $57,920,000 | 6,472 |
| Average earning assets | $53,108,500 | 6,435 |
| Average equity | $10,427,000 | 5,123 |
| Average total loans | $26,100,500 | 6,824 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 6,048 |
| Cost of funding earning assets | 1.3151% | 6,258 |
| Net interest margin | 3.7950% | 3,730 |
| Noninterest income to average assets | 0.2932% | 6,019 |
| Noninterest expense to average assets | 2.6243% | 5,700 |
| Loan and lease loss provision to assets | 0.0640% | 6,930 |
| Net operating income to assets | 0.7889% | 2,573 |
| Return on assets (ROA) | 0.7889% | 2,664 |
| Pretax return on assets | 1.1069% | 2,224 |
| Return on Equity (ROE) | 4.3150% | 3,957 |
| Retained earnings to average equity (ytd only) | 1.2537% | 4,164 |
| Net charge-offs to loans | 0.0079% | 7,122 |
| Credit loss provision to net charge-offs | 1,800.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 329.5000% | 89 |
| Efficiency ratio | 69.1479% | 4,796 |
| Assets per employee ($millions) | 5.2820% | 1,849 |
| Cash dividends to net income (ytd only)* | 70.9459% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 4,931 |
| Loan loss allowance to noncurrent loans | 2,553.8462% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 7,470 |
| Noncurrent loans to loans | 0.0498% | 7,305 |
| Net loans and leases to total assets | 44.3720% | 7,098 |
| Net loans and leases to deposits | 53.9848% | 7,050 |
| Net loans and leases to core deposits | 58.4988% | 7,322 |
| Total domestic deposits to total assets | 82.1934% | 4,868 |
| Equity capital to assets | 17.7033% | 475 |
| Core capital (leverage) ratio | 18.0544% | 408 |
| Tier 1 risk-based capital ratio | 33.6948% | 386 |
| Total risk-based capital ratio | 34.7601% | 379 |
| Memoranda: | ||
| Average total assets | $56,280,800 | 6,485 |
| Average earning assets | $51,936,800 | 6,463 |
| Average equity | $10,289,800 | 5,218 |
| Average total loans | $25,348,000 | 6,889 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 6,019 |
| Cost of funding earning assets | 1.3797% | 6,302 |
| Net interest margin | 3.7885% | 3,706 |
| Noninterest income to average assets | 0.3129% | 5,977 |
| Noninterest expense to average assets | 2.7490% | 5,109 |
| Loan and lease loss provision to assets | 0.0645% | 6,709 |
| Net operating income to assets | 0.7070% | 3,182 |
| Return on assets (ROA) | 0.7070% | 3,243 |
| Pretax return on assets | 0.9816% | 2,962 |
| Return on Equity (ROE) | 3.8351% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.8351% | 3,147 |
| Net charge-offs to loans | -0.0106% | 7,693 |
| Credit loss provision to net charge-offs | -1,350.0000% | 7,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4355% | 4,166 |
| Assets per employee ($millions) | 4.0578% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 4,708 |
| Loan loss allowance to noncurrent loans | 605.5556% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 7,313 |
| Noncurrent loans to loans | 0.2093% | 6,976 |
| Net loans and leases to total assets | 44.8380% | 7,186 |
| Net loans and leases to deposits | 55.3150% | 7,134 |
| Net loans and leases to core deposits | 60.3416% | 7,388 |
| Total domestic deposits to total assets | 81.0593% | 5,060 |
| Equity capital to assets | 18.5112% | 468 |
| Core capital (leverage) ratio | 18.8367% | 389 |
| Tier 1 risk-based capital ratio | 34.7718% | 388 |
| Total risk-based capital ratio | 35.8377% | 386 |
| Memoranda: | ||
| Average total assets | $55,825,500 | 6,552 |
| Average earning assets | $51,312,500 | 6,528 |
| Average equity | $10,290,750 | 5,259 |
| Average total loans | $25,156,750 | 6,964 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 5,585 |
| Cost of funding earning assets | 1.4393% | 6,353 |
| Net interest margin | 3.8765% | 3,225 |
| Noninterest income to average assets | 0.3279% | 5,890 |
| Noninterest expense to average assets | 2.7749% | 5,067 |
| Loan and lease loss provision to assets | 0.0649% | 6,561 |
| Net operating income to assets | 0.7171% | 3,179 |
| Return on assets (ROA) | 0.7171% | 3,286 |
| Pretax return on assets | 1.0018% | 3,003 |
| Return on Equity (ROE) | 3.8960% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.8960% | 3,116 |
| Net charge-offs to loans | -0.0160% | 7,664 |
| Credit loss provision to net charge-offs | -900.0000% | 7,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2326% | 4,367 |
| Assets per employee ($millions) | 4.0165% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,476 |
| Loan loss allowance to noncurrent loans | 775.6098% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 7,401 |
| Noncurrent loans to loans | 0.1636% | 7,118 |
| Net loans and leases to total assets | 44.0113% | 7,325 |
| Net loans and leases to deposits | 54.2339% | 7,259 |
| Net loans and leases to core deposits | 58.3239% | 7,512 |
| Total domestic deposits to total assets | 81.1510% | 5,019 |
| Equity capital to assets | 18.5165% | 503 |
| Core capital (leverage) ratio | 18.8925% | 429 |
| Tier 1 risk-based capital ratio | 35.3216% | 408 |
| Total risk-based capital ratio | 36.3175% | 408 |
| Memoranda: | ||
| Average total assets | $55,497,670 | 6,619 |
| Average earning assets | $50,302,670 | 6,619 |
| Average equity | $10,215,670 | 5,299 |
| Average total loans | $24,942,670 | 7,033 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3753% | 5,549 |
| Cost of funding earning assets | 1.4980% | 6,406 |
| Net interest margin | 3.8773% | 3,148 |
| Noninterest income to average assets | 0.2467% | 6,484 |
| Noninterest expense to average assets | 2.6700% | 5,150 |
| Loan and lease loss provision to assets | 0.0653% | 6,131 |
| Net operating income to assets | 0.7401% | 3,393 |
| Return on assets (ROA) | 0.7401% | 3,573 |
| Pretax return on assets | 1.0230% | 3,268 |
| Return on Equity (ROE) | 4.0326% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.0326% | 3,657 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0425% | 4,363 |
| Assets per employee ($millions) | 3.9460% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,621 |
| Loan loss allowance to noncurrent loans | 284.2593% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 6,951 |
| Noncurrent loans to loans | 0.4311% | 6,342 |
| Net loans and leases to total assets | 44.7976% | 7,283 |
| Net loans and leases to deposits | 55.0788% | 7,215 |
| Net loans and leases to core deposits | 60.1103% | 7,451 |
| Total domestic deposits to total assets | 81.3337% | 4,821 |
| Equity capital to assets | 18.3350% | 565 |
| Core capital (leverage) ratio | 19.0547% | 445 |
| Tier 1 risk-based capital ratio | 35.0254% | 434 |
| Total risk-based capital ratio | 36.0219% | 432 |
| Memoranda: | ||
| Average total assets | $55,131,000 | 6,666 |
| Average earning assets | $49,932,000 | 6,662 |
| Average equity | $10,117,500 | 5,350 |
| Average total loans | $24,881,000 | 7,075 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6207% | 7,009 |
| Cost of funding earning assets | 1.7684% | 7,091 |
| Net interest margin | 3.8523% | 3,786 |
| Noninterest income to average assets | 0.2576% | 6,606 |
| Noninterest expense to average assets | 2.3975% | 6,400 |
| Loan and lease loss provision to assets | 0.0644% | 6,589 |
| Net operating income to assets | 0.9751% | 2,665 |
| Return on assets (ROA) | 0.9751% | 2,544 |
| Pretax return on assets | 1.4009% | 1,970 |
| Return on Equity (ROE) | 5.3921% | 4,200 |
| Retained earnings to average equity (ytd only) | 2.2756% | 3,794 |
| Net charge-offs to loans | 0.5242% | 2,271 |
| Credit loss provision to net charge-offs | 29.0323% | 6,534 |
| Earnings coverage of net charge-offs (x) | 6.6048% | 3,326 |
| Efficiency ratio | 62.0658% | 5,941 |
| Assets per employee ($millions) | 4.2322% | 3,055 |
| Cash dividends to net income (ytd only)* | 57.7982% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 4,481 |
| Loan loss allowance to noncurrent loans | 764.1026% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 7,288 |
| Noncurrent loans to loans | 0.1579% | 6,936 |
| Net loans and leases to total assets | 44.3655% | 7,452 |
| Net loans and leases to deposits | 54.4333% | 7,410 |
| Net loans and leases to core deposits | 60.2424% | 7,577 |
| Total domestic deposits to total assets | 81.5042% | 4,405 |
| Equity capital to assets | 18.3685% | 613 |
| Core capital (leverage) ratio | 18.8318% | 528 |
| Tier 1 risk-based capital ratio | 34.6091% | 461 |
| Total risk-based capital ratio | 35.6035% | 458 |
| Memoranda: | ||
| Average total assets | $55,892,200 | 6,534 |
| Average earning assets | $52,306,600 | 6,493 |
| Average equity | $10,107,400 | 5,374 |
| Average total loans | $23,654,400 | 7,096 |