Home > The First National Bank of Battle Lake > Performance and Condition Ratios
The First National Bank of Battle Lake, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 3,009 |
| Cost of funding earning assets | 0.5734% | 1,793 |
| Net interest margin | 3.5401% | 3,377 |
| Noninterest income to average assets | 0.6674% | 2,103 |
| Noninterest expense to average assets | 2.2767% | 4,397 |
| Loan and lease loss provision to assets | 0.1243% | 1,839 |
| Net operating income to assets | 1.6715% | 561 |
| Return on assets (ROA) | 1.7001% | 543 |
| Pretax return on assets | 1.7013% | 1,005 |
| Return on Equity (ROE) | 13.6934% | 810 |
| Retained earnings to average equity (ytd only) | 5.1951% | 2,007 |
| Net charge-offs to loans | 0.0673% | 2,499 |
| Credit loss provision to net charge-offs | 344.8276% | 850 |
| Earnings coverage of net charge-offs (x) | 49.8621% | 1,087 |
| Efficiency ratio | 55.8877% | 4,777 |
| Assets per employee ($millions) | 5.3746% | 2,080 |
| Cash dividends to net income (ytd only)* | 62.0614% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,707 |
| Loan loss allowance to noncurrent loans | 668.5714% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,690 |
| Noncurrent loans to loans | 0.1549% | 4,311 |
| Net loans and leases to total assets | 55.4559% | 4,234 |
| Net loans and leases to deposits | 63.5571% | 4,345 |
| Net loans and leases to core deposits | 67.6001% | 4,322 |
| Total domestic deposits to total assets | 87.2536% | 1,876 |
| Equity capital to assets | 12.5665% | 1,477 |
| Core capital (leverage) ratio | 12.2429% | 1,476 |
| Tier 1 risk-based capital ratio | 18.9074% | 1,525 |
| Total risk-based capital ratio | 19.7992% | 1,586 |
| Memoranda: | ||
| Average total assets | $80,465,600 | 4,583 |
| Average earning assets | $77,427,400 | 4,508 |
| Average equity | $9,990,200 | 4,450 |
| Average total loans | $43,089,600 | 4,640 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 3,097 |
| Cost of funding earning assets | 0.5586% | 1,824 |
| Net interest margin | 3.5103% | 3,469 |
| Noninterest income to average assets | 0.6465% | 2,225 |
| Noninterest expense to average assets | 2.1717% | 4,587 |
| Loan and lease loss provision to assets | 0.1160% | 1,861 |
| Net operating income to assets | 1.7324% | 550 |
| Return on assets (ROA) | 1.7705% | 514 |
| Pretax return on assets | 1.7721% | 953 |
| Return on Equity (ROE) | 14.3040% | 774 |
| Retained earnings to average equity (ytd only) | 2.9331% | 4,160 |
| Net charge-offs to loans | -0.0125% | 4,700 |
| Credit loss provision to net charge-offs | -1,750.0000% | 5,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9984% | 4,935 |
| Assets per employee ($millions) | 5.4081% | 2,008 |
| Cash dividends to net income (ytd only)* | 79.4945% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,699 |
| Loan loss allowance to noncurrent loans | 466.3366% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 4,623 |
| Noncurrent loans to loans | 0.2285% | 4,150 |
| Net loans and leases to total assets | 53.9052% | 4,424 |
| Net loans and leases to deposits | 61.8025% | 4,522 |
| Net loans and leases to core deposits | 65.1689% | 4,535 |
| Total domestic deposits to total assets | 87.2217% | 1,765 |
| Equity capital to assets | 12.4627% | 1,676 |
| Core capital (leverage) ratio | 11.8419% | 1,793 |
| Tier 1 risk-based capital ratio | 18.4712% | 1,739 |
| Total risk-based capital ratio | 19.3753% | 1,780 |
| Memoranda: | ||
| Average total assets | $80,427,250 | 4,626 |
| Average earning assets | $77,332,750 | 4,557 |
| Average equity | $9,955,000 | 4,501 |
| Average total loans | $42,568,000 | 4,700 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 3,334 |
| Cost of funding earning assets | 0.5478% | 1,793 |
| Net interest margin | 3.4166% | 3,712 |
| Noninterest income to average assets | 0.6908% | 2,029 |
| Noninterest expense to average assets | 2.1223% | 4,735 |
| Loan and lease loss provision to assets | 0.0998% | 2,020 |
| Net operating income to assets | 1.7482% | 506 |
| Return on assets (ROA) | 1.8056% | 461 |
| Pretax return on assets | 1.8081% | 824 |
| Return on Equity (ROE) | 14.6213% | 717 |
| Retained earnings to average equity (ytd only) | 5.8162% | 2,223 |
| Net charge-offs to loans | -0.0095% | 4,511 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4212% | 5,061 |
| Assets per employee ($millions) | 5.3581% | 2,004 |
| Cash dividends to net income (ytd only)* | 60.2210% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 4,094 |
| Loan loss allowance to noncurrent loans | 430.3922% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,683 |
| Noncurrent loans to loans | 0.2343% | 4,189 |
| Net loans and leases to total assets | 53.6251% | 4,429 |
| Net loans and leases to deposits | 61.6149% | 4,525 |
| Net loans and leases to core deposits | 65.0100% | 4,536 |
| Total domestic deposits to total assets | 87.0326% | 1,937 |
| Equity capital to assets | 12.7235% | 1,512 |
| Core capital (leverage) ratio | 12.2112% | 1,525 |
| Tier 1 risk-based capital ratio | 18.7492% | 1,653 |
| Total risk-based capital ratio | 19.5984% | 1,723 |
| Memoranda: | ||
| Average total assets | $80,195,670 | 4,661 |
| Average earning assets | $77,035,330 | 4,590 |
| Average equity | $9,903,330 | 4,519 |
| Average total loans | $42,024,000 | 4,742 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 3,521 |
| Cost of funding earning assets | 0.5420% | 1,769 |
| Net interest margin | 3.3250% | 3,929 |
| Noninterest income to average assets | 0.6192% | 2,326 |
| Noninterest expense to average assets | 2.1121% | 4,822 |
| Loan and lease loss provision to assets | 0.0999% | 1,892 |
| Net operating income to assets | 1.5879% | 694 |
| Return on assets (ROA) | 1.7027% | 559 |
| Pretax return on assets | 1.7077% | 990 |
| Return on Equity (ROE) | 14.0012% | 809 |
| Retained earnings to average equity (ytd only) | 14.0012% | 295 |
| Net charge-offs to loans | -0.0194% | 4,731 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5118% | 4,990 |
| Assets per employee ($millions) | 5.3876% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 4,312 |
| Loan loss allowance to noncurrent loans | 174.5833% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 4,007 |
| Noncurrent loans to loans | 0.5711% | 3,093 |
| Net loans and leases to total assets | 51.4849% | 4,560 |
| Net loans and leases to deposits | 58.9017% | 4,639 |
| Net loans and leases to core deposits | 62.1121% | 4,651 |
| Total domestic deposits to total assets | 87.4081% | 2,030 |
| Equity capital to assets | 12.3753% | 1,617 |
| Core capital (leverage) ratio | 12.4197% | 1,377 |
| Tier 1 risk-based capital ratio | 19.7880% | 1,428 |
| Total risk-based capital ratio | 20.6388% | 1,495 |
| Memoranda: | ||
| Average total assets | $80,108,000 | 4,708 |
| Average earning assets | $76,752,500 | 4,636 |
| Average equity | $9,742,000 | 4,582 |
| Average total loans | $41,267,000 | 4,806 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 3,896 |
| Cost of funding earning assets | 0.5548% | 1,647 |
| Net interest margin | 3.2510% | 4,296 |
| Noninterest income to average assets | 0.7144% | 2,103 |
| Noninterest expense to average assets | 2.1673% | 4,847 |
| Loan and lease loss provision to assets | 0.1291% | 1,928 |
| Net operating income to assets | 1.5616% | 742 |
| Return on assets (ROA) | 1.6140% | 683 |
| Pretax return on assets | 1.6153% | 1,235 |
| Return on Equity (ROE) | 12.2467% | 1,181 |
| Retained earnings to average equity (ytd only) | -2.0266% | 5,538 |
| Net charge-offs to loans | 0.4742% | 525 |
| Credit loss provision to net charge-offs | 57.3864% | 3,289 |
| Earnings coverage of net charge-offs (x) | 7.5227% | 3,006 |
| Efficiency ratio | 56.1589% | 5,052 |
| Assets per employee ($millions) | 5.2935% | 2,066 |
| Cash dividends to net income (ytd only)* | 116.5479% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 4,437 |
| Loan loss allowance to noncurrent loans | 114.0805% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 3,512 |
| Noncurrent loans to loans | 0.8591% | 2,382 |
| Net loans and leases to total assets | 50.5164% | 4,726 |
| Net loans and leases to deposits | 59.1006% | 4,730 |
| Net loans and leases to core deposits | 62.7018% | 4,713 |
| Total domestic deposits to total assets | 85.4752% | 2,845 |
| Equity capital to assets | 11.9430% | 1,849 |
| Core capital (leverage) ratio | 11.7546% | 1,754 |
| Tier 1 risk-based capital ratio | 19.4397% | 1,497 |
| Total risk-based capital ratio | 20.2605% | 1,562 |
| Memoranda: | ||
| Average total assets | $78,252,800 | 4,760 |
| Average earning assets | $75,698,800 | 4,683 |
| Average equity | $10,313,000 | 4,519 |
| Average total loans | $37,117,600 | 4,978 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 4,098 |
| Cost of funding earning assets | 0.5510% | 1,679 |
| Net interest margin | 3.1945% | 4,503 |
| Noninterest income to average assets | 0.6858% | 2,234 |
| Noninterest expense to average assets | 2.1188% | 4,971 |
| Loan and lease loss provision to assets | 0.1385% | 1,697 |
| Net operating income to assets | 1.5203% | 846 |
| Return on assets (ROA) | 1.5904% | 784 |
| Pretax return on assets | 1.5921% | 1,403 |
| Return on Equity (ROE) | 11.7862% | 1,390 |
| Retained earnings to average equity (ytd only) | -6.8690% | 5,790 |
| Net charge-offs to loans | 0.0919% | 2,036 |
| Credit loss provision to net charge-offs | 324.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 38.8428% | 1,270 |
| Efficiency ratio | 56.0633% | 5,063 |
| Assets per employee ($millions) | 5.2441% | 2,096 |
| Cash dividends to net income (ytd only)* | 158.2796% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,259 |
| Loan loss allowance to noncurrent loans | 104.9702% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 2,981 |
| Noncurrent loans to loans | 1.3214% | 1,679 |
| Net loans and leases to total assets | 47.7219% | 4,980 |
| Net loans and leases to deposits | 54.9282% | 5,057 |
| Net loans and leases to core deposits | 58.2488% | 5,037 |
| Total domestic deposits to total assets | 86.8806% | 1,945 |
| Equity capital to assets | 12.8397% | 1,575 |
| Core capital (leverage) ratio | 11.3759% | 2,133 |
| Tier 1 risk-based capital ratio | 19.5458% | 1,536 |
| Total risk-based capital ratio | 20.6835% | 1,522 |
| Memoranda: | ||
| Average total assets | $77,965,500 | 4,808 |
| Average earning assets | $75,502,750 | 4,726 |
| Average equity | $10,520,500 | 4,536 |
| Average total loans | $36,270,000 | 5,055 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 4,349 |
| Cost of funding earning assets | 0.5455% | 1,732 |
| Net interest margin | 3.1371% | 4,732 |
| Noninterest income to average assets | 0.6895% | 2,191 |
| Noninterest expense to average assets | 2.0403% | 5,190 |
| Loan and lease loss provision to assets | 0.1724% | 1,283 |
| Net operating income to assets | 1.5077% | 879 |
| Return on assets (ROA) | 1.5720% | 811 |
| Pretax return on assets | 1.5746% | 1,442 |
| Return on Equity (ROE) | 11.4627% | 1,487 |
| Retained earnings to average equity (ytd only) | 4.9153% | 2,788 |
| Net charge-offs to loans | 0.1514% | 1,419 |
| Credit loss provision to net charge-offs | 248.1481% | 1,113 |
| Earnings coverage of net charge-offs (x) | 24.2222% | 1,559 |
| Efficiency ratio | 54.8030% | 5,252 |
| Assets per employee ($millions) | 5.3083% | 1,973 |
| Cash dividends to net income (ytd only)* | 57.1195% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,363 |
| Loan loss allowance to noncurrent loans | 101.5873% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 3,103 |
| Noncurrent loans to loans | 1.3628% | 1,642 |
| Net loans and leases to total assets | 45.8053% | 5,141 |
| Net loans and leases to deposits | 53.2555% | 5,181 |
| Net loans and leases to core deposits | 56.1177% | 5,162 |
| Total domestic deposits to total assets | 86.0105% | 2,417 |
| Equity capital to assets | 13.7848% | 1,105 |
| Core capital (leverage) ratio | 12.4397% | 1,389 |
| Tier 1 risk-based capital ratio | 21.6895% | 1,171 |
| Total risk-based capital ratio | 22.8140% | 1,172 |
| Memoranda: | ||
| Average total assets | $77,733,330 | 4,866 |
| Average earning assets | $75,164,330 | 4,779 |
| Average equity | $10,660,670 | 4,540 |
| Average total loans | $35,671,000 | 5,119 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6389% | 4,509 |
| Cost of funding earning assets | 0.5445% | 1,758 |
| Net interest margin | 3.0944% | 4,876 |
| Noninterest income to average assets | 0.6824% | 2,124 |
| Noninterest expense to average assets | 2.0628% | 5,195 |
| Loan and lease loss provision to assets | 0.2917% | 547 |
| Net operating income to assets | 1.3127% | 1,224 |
| Return on assets (ROA) | 1.4481% | 992 |
| Pretax return on assets | 1.4534% | 1,739 |
| Return on Equity (ROE) | 10.5875% | 1,749 |
| Retained earnings to average equity (ytd only) | 10.5875% | 721 |
| Net charge-offs to loans | -0.0343% | 5,125 |
| Credit loss provision to net charge-offs | -1,866.6667% | 4,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1702% | 5,177 |
| Assets per employee ($millions) | 5.4471% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 1,729 |
| Loan loss allowance to noncurrent loans | 107.4899% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 3,113 |
| Noncurrent loans to loans | 1.4567% | 1,622 |
| Net loans and leases to total assets | 43.7739% | 5,256 |
| Net loans and leases to deposits | 51.0452% | 5,279 |
| Net loans and leases to core deposits | 53.9237% | 5,257 |
| Total domestic deposits to total assets | 85.7553% | 2,783 |
| Equity capital to assets | 14.0493% | 964 |
| Core capital (leverage) ratio | 12.9518% | 1,177 |
| Tier 1 risk-based capital ratio | 23.1477% | 997 |
| Total risk-based capital ratio | 24.3904% | 986 |
| Memoranda: | ||
| Average total assets | $76,788,000 | 4,924 |
| Average earning assets | $74,197,500 | 4,844 |
| Average equity | $10,503,000 | 4,581 |
| Average total loans | $35,014,500 | 5,176 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,735 |
| Cost of funding earning assets | 0.5424% | 1,828 |
| Net interest margin | 3.3491% | 4,117 |
| Noninterest income to average assets | 0.6753% | 2,320 |
| Noninterest expense to average assets | 2.2429% | 4,941 |
| Loan and lease loss provision to assets | 0.0927% | 2,453 |
| Net operating income to assets | 1.5676% | 755 |
| Return on assets (ROA) | 1.6789% | 617 |
| Pretax return on assets | 1.6802% | 1,045 |
| Return on Equity (ROE) | 12.7671% | 1,104 |
| Retained earnings to average equity (ytd only) | 10.2600% | 428 |
| Net charge-offs to loans | 0.0850% | 2,617 |
| Credit loss provision to net charge-offs | 233.3333% | 1,225 |
| Earnings coverage of net charge-offs (x) | 41.8333% | 1,135 |
| Efficiency ratio | 57.4432% | 5,200 |
| Assets per employee ($millions) | 5.5226% | 1,779 |
| Cash dividends to net income (ytd only)* | 19.6372% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,860 |
| Loan loss allowance to noncurrent loans | 342.0290% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 4,892 |
| Noncurrent loans to loans | 0.3821% | 4,081 |
| Net loans and leases to total assets | 46.1017% | 5,152 |
| Net loans and leases to deposits | 54.2956% | 5,149 |
| Net loans and leases to core deposits | 57.5906% | 5,128 |
| Total domestic deposits to total assets | 84.9087% | 3,135 |
| Equity capital to assets | 13.3116% | 1,205 |
| Core capital (leverage) ratio | 12.4012% | 1,400 |
| Tier 1 risk-based capital ratio | 21.9475% | 1,158 |
| Total risk-based capital ratio | 23.0251% | 1,157 |
| Memoranda: | ||
| Average total assets | $75,527,200 | 4,957 |
| Average earning assets | $72,825,800 | 4,881 |
| Average equity | $9,931,800 | 4,669 |
| Average total loans | $35,286,200 | 5,183 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 3,755 |
| Cost of funding earning assets | 0.5446% | 1,849 |
| Net interest margin | 3.3521% | 4,132 |
| Noninterest income to average assets | 0.6500% | 2,485 |
| Noninterest expense to average assets | 2.1754% | 5,117 |
| Loan and lease loss provision to assets | 0.0799% | 2,572 |
| Net operating income to assets | 1.6284% | 721 |
| Return on assets (ROA) | 1.7101% | 637 |
| Pretax return on assets | 1.7119% | 1,075 |
| Return on Equity (ROE) | 13.0462% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.0462% | 272 |
| Net charge-offs to loans | -0.0038% | 4,785 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9872% | 5,355 |
| Assets per employee ($millions) | 5.5164% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,999 |
| Loan loss allowance to noncurrent loans | 165.9722% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 4,276 |
| Noncurrent loans to loans | 0.7939% | 2,975 |
| Net loans and leases to total assets | 46.3525% | 5,208 |
| Net loans and leases to deposits | 54.5103% | 5,219 |
| Net loans and leases to core deposits | 57.5364% | 5,217 |
| Total domestic deposits to total assets | 85.0343% | 2,989 |
| Equity capital to assets | 13.4248% | 1,267 |
| Core capital (leverage) ratio | 12.4675% | 1,433 |
| Tier 1 risk-based capital ratio | 21.5240% | 1,265 |
| Total risk-based capital ratio | 22.6006% | 1,267 |
| Memoranda: | ||
| Average total assets | $75,080,000 | 5,025 |
| Average earning assets | $72,470,250 | 4,942 |
| Average equity | $9,841,750 | 4,740 |
| Average total loans | $35,078,750 | 5,246 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 3,692 |
| Cost of funding earning assets | 0.5388% | 1,913 |
| Net interest margin | 3.3613% | 4,051 |
| Noninterest income to average assets | 0.5863% | 2,811 |
| Noninterest expense to average assets | 2.4125% | 4,506 |
| Loan and lease loss provision to assets | 0.0807% | 2,497 |
| Net operating income to assets | 1.3286% | 1,242 |
| Return on assets (ROA) | 1.3770% | 1,178 |
| Pretax return on assets | 1.3797% | 2,065 |
| Return on Equity (ROE) | 10.5935% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.5935% | 564 |
| Net charge-offs to loans | -0.0058% | 4,776 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0802% | 4,505 |
| Assets per employee ($millions) | 5.4400% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 45.7799% | 5,266 |
| Net loans and leases to deposits | 52.5970% | 5,344 |
| Net loans and leases to core deposits | 55.2639% | 5,360 |
| Total domestic deposits to total assets | 87.0391% | 2,147 |
| Equity capital to assets | 12.7718% | 1,507 |
| Core capital (leverage) ratio | 12.2918% | 1,490 |
| Tier 1 risk-based capital ratio | 21.0691% | 1,346 |
| Total risk-based capital ratio | 22.1405% | 1,355 |
| Memoranda: | ||
| Average total assets | $74,363,330 | 5,094 |
| Average earning assets | $71,640,000 | 5,005 |
| Average equity | $9,666,330 | 4,806 |
| Average total loans | $34,679,670 | 5,304 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 3,658 |
| Cost of funding earning assets | 0.5464% | 1,879 |
| Net interest margin | 3.3458% | 4,041 |
| Noninterest income to average assets | 0.5554% | 2,921 |
| Noninterest expense to average assets | 2.6298% | 3,826 |
| Loan and lease loss provision to assets | 0.0544% | 2,847 |
| Net operating income to assets | 1.0998% | 1,872 |
| Return on assets (ROA) | 1.1978% | 1,655 |
| Pretax return on assets | 1.2033% | 2,652 |
| Return on Equity (ROE) | 9.1324% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.1324% | 1,153 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3966% | 3,598 |
| Assets per employee ($millions) | 5.5585% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 3,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 5,728 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 46.5195% | 5,162 |
| Net loans and leases to deposits | 53.9445% | 5,194 |
| Net loans and leases to core deposits | 57.2083% | 5,174 |
| Total domestic deposits to total assets | 86.2358% | 2,809 |
| Equity capital to assets | 13.5829% | 1,139 |
| Core capital (leverage) ratio | 12.0771% | 1,591 |
| Tier 1 risk-based capital ratio | 21.1831% | 1,381 |
| Total risk-based capital ratio | 22.2455% | 1,402 |
| Memoranda: | ||
| Average total assets | $73,465,000 | 5,164 |
| Average earning assets | $71,015,000 | 5,069 |
| Average equity | $9,636,000 | 4,859 |
| Average total loans | $34,355,000 | 5,357 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 3,403 |
| Cost of funding earning assets | 0.5494% | 2,210 |
| Net interest margin | 3.5299% | 3,685 |
| Noninterest income to average assets | 0.6070% | 2,814 |
| Noninterest expense to average assets | 2.2395% | 5,267 |
| Loan and lease loss provision to assets | 0.0513% | 3,538 |
| Net operating income to assets | 1.7073% | 571 |
| Return on assets (ROA) | 1.8293% | 466 |
| Pretax return on assets | 1.8307% | 742 |
| Return on Equity (ROE) | 14.7929% | 812 |
| Retained earnings to average equity (ytd only) | 5.6594% | 2,162 |
| Net charge-offs to loans | 0.0473% | 3,882 |
| Credit loss provision to net charge-offs | 231.2500% | 1,088 |
| Earnings coverage of net charge-offs (x) | 79.3750% | 631 |
| Efficiency ratio | 55.9945% | 5,665 |
| Assets per employee ($millions) | 5.7438% | 1,563 |
| Cash dividends to net income (ytd only)* | 61.7424% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.8297% | 5,336 |
| Net loans and leases to deposits | 53.1564% | 5,399 |
| Net loans and leases to core deposits | 56.2549% | 5,365 |
| Total domestic deposits to total assets | 86.2167% | 2,714 |
| Equity capital to assets | 12.6651% | 1,562 |
| Core capital (leverage) ratio | 11.4714% | 1,989 |
| Tier 1 risk-based capital ratio | 20.2293% | 1,552 |
| Total risk-based capital ratio | 21.2461% | 1,571 |
| Memoranda: | ||
| Average total assets | $72,159,400 | 5,225 |
| Average earning assets | $69,351,000 | 5,138 |
| Average equity | $8,923,200 | 4,991 |
| Average total loans | $33,839,600 | 5,404 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 3,405 |
| Cost of funding earning assets | 0.5455% | 2,337 |
| Net interest margin | 3.5484% | 3,634 |
| Noninterest income to average assets | 0.5163% | 3,435 |
| Noninterest expense to average assets | 2.2106% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7111% | 602 |
| Return on assets (ROA) | 1.8770% | 454 |
| Pretax return on assets | 1.8788% | 749 |
| Return on Equity (ROE) | 15.2750% | 776 |
| Retained earnings to average equity (ytd only) | 2.9124% | 4,521 |
| Net charge-offs to loans | 0.0634% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 57.4449% | 891 |
| Efficiency ratio | 56.3420% | 5,628 |
| Assets per employee ($millions) | 6.2343% | 1,177 |
| Cash dividends to net income (ytd only)* | 80.9337% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 4,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 5,252 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.5275% | 5,414 |
| Net loans and leases to deposits | 52.5123% | 5,503 |
| Net loans and leases to core deposits | 55.5474% | 5,474 |
| Total domestic deposits to total assets | 86.6987% | 2,479 |
| Equity capital to assets | 12.0809% | 1,988 |
| Core capital (leverage) ratio | 11.0162% | 2,468 |
| Tier 1 risk-based capital ratio | 19.6834% | 1,738 |
| Total risk-based capital ratio | 20.6223% | 1,785 |
| Memoranda: | ||
| Average total assets | $71,531,750 | 5,298 |
| Average earning assets | $68,685,500 | 5,217 |
| Average equity | $8,789,750 | 5,070 |
| Average total loans | $33,636,250 | 5,469 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 3,354 |
| Cost of funding earning assets | 0.5477% | 2,369 |
| Net interest margin | 3.5494% | 3,573 |
| Noninterest income to average assets | 0.5508% | 3,114 |
| Noninterest expense to average assets | 2.2033% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7490% | 539 |
| Return on assets (ROA) | 1.8371% | 469 |
| Pretax return on assets | 1.8399% | 778 |
| Return on Equity (ROE) | 14.8616% | 811 |
| Retained earnings to average equity (ytd only) | -3.8360% | 6,163 |
| Net charge-offs to loans | 0.0060% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 617.0000% | 116 |
| Efficiency ratio | 55.7071% | 5,772 |
| Assets per employee ($millions) | 5.4508% | 1,739 |
| Cash dividends to net income (ytd only)* | 125.8114% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 5,575 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.7515% | 5,388 |
| Net loans and leases to deposits | 52.2971% | 5,478 |
| Net loans and leases to core deposits | 55.2281% | 5,463 |
| Total domestic deposits to total assets | 87.4839% | 2,203 |
| Equity capital to assets | 12.3439% | 1,745 |
| Core capital (leverage) ratio | 11.2471% | 2,203 |
| Tier 1 risk-based capital ratio | 19.3563% | 1,837 |
| Total risk-based capital ratio | 20.3607% | 1,858 |
| Memoranda: | ||
| Average total assets | $70,438,330 | 5,377 |
| Average earning assets | $67,561,330 | 5,281 |
| Average equity | $8,707,000 | 5,105 |
| Average total loans | $33,363,330 | 5,519 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 3,415 |
| Cost of funding earning assets | 0.5402% | 2,501 |
| Net interest margin | 3.5262% | 3,583 |
| Noninterest income to average assets | 0.5696% | 2,921 |
| Noninterest expense to average assets | 2.1758% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7714% | 504 |
| Return on assets (ROA) | 1.9480% | 387 |
| Pretax return on assets | 1.9537% | 585 |
| Return on Equity (ROE) | 15.7477% | 672 |
| Retained earnings to average equity (ytd only) | 15.7477% | 287 |
| Net charge-offs to loans | 0.0119% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 312.0000% | 154 |
| Efficiency ratio | 55.0432% | 5,919 |
| Assets per employee ($millions) | 5.4611% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 4,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 5,156 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 46.4546% | 5,282 |
| Net loans and leases to deposits | 53.2700% | 5,352 |
| Net loans and leases to core deposits | 56.2578% | 5,338 |
| Total domestic deposits to total assets | 87.2060% | 2,699 |
| Equity capital to assets | 12.6292% | 1,506 |
| Core capital (leverage) ratio | 12.0494% | 1,625 |
| Tier 1 risk-based capital ratio | 19.9564% | 1,733 |
| Total risk-based capital ratio | 20.9270% | 1,768 |
| Memoranda: | ||
| Average total assets | $70,227,000 | 5,436 |
| Average earning assets | $67,380,500 | 5,338 |
| Average equity | $8,687,000 | 5,133 |
| Average total loans | $33,630,000 | 5,565 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 3,830 |
| Cost of funding earning assets | 0.6156% | 2,519 |
| Net interest margin | 3.4600% | 4,057 |
| Noninterest income to average assets | 0.7916% | 2,118 |
| Noninterest expense to average assets | 2.2302% | 5,552 |
| Loan and lease loss provision to assets | 0.1575% | 2,314 |
| Net operating income to assets | 1.7335% | 550 |
| Return on assets (ROA) | 1.8566% | 445 |
| Pretax return on assets | 1.8580% | 668 |
| Return on Equity (ROE) | 15.1934% | 731 |
| Retained earnings to average equity (ytd only) | 10.4608% | 494 |
| Net charge-offs to loans | 0.1175% | 3,637 |
| Credit loss provision to net charge-offs | 289.4737% | 783 |
| Earnings coverage of net charge-offs (x) | 34.7895% | 1,063 |
| Efficiency ratio | 54.0972% | 6,126 |
| Assets per employee ($millions) | 5.3431% | 1,805 |
| Cash dividends to net income (ytd only)* | 31.1488% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 4,590 |
| Loan loss allowance to noncurrent loans | 152.2222% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 4,410 |
| Noncurrent loans to loans | 0.7972% | 3,987 |
| Net loans and leases to total assets | 48.1702% | 5,281 |
| Net loans and leases to deposits | 54.8895% | 5,391 |
| Net loans and leases to core deposits | 57.9527% | 5,397 |
| Total domestic deposits to total assets | 87.7584% | 2,330 |
| Equity capital to assets | 12.1048% | 1,741 |
| Core capital (leverage) ratio | 11.5367% | 1,935 |
| Tier 1 risk-based capital ratio | 19.7572% | 1,711 |
| Total risk-based capital ratio | 20.7612% | 1,745 |
| Memoranda: | ||
| Average total assets | $69,858,600 | 5,484 |
| Average earning assets | $67,253,600 | 5,367 |
| Average equity | $8,536,600 | 5,198 |
| Average total loans | $32,335,200 | 5,652 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 4,011 |
| Cost of funding earning assets | 0.6260% | 2,596 |
| Net interest margin | 3.4055% | 4,264 |
| Noninterest income to average assets | 0.8481% | 1,946 |
| Noninterest expense to average assets | 2.1803% | 5,647 |
| Loan and lease loss provision to assets | 0.1715% | 2,119 |
| Net operating income to assets | 1.7705% | 564 |
| Return on assets (ROA) | 1.8010% | 547 |
| Pretax return on assets | 1.8029% | 904 |
| Return on Equity (ROE) | 14.7042% | 854 |
| Retained earnings to average equity (ytd only) | 14.7042% | 218 |
| Net charge-offs to loans | 0.0542% | 4,129 |
| Credit loss provision to net charge-offs | 692.3077% | 418 |
| Earnings coverage of net charge-offs (x) | 78.4749% | 605 |
| Efficiency ratio | 52.8651% | 6,192 |
| Assets per employee ($millions) | 5.3847% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,645 |
| Loan loss allowance to noncurrent loans | 1,485.7143% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 5,573 |
| Noncurrent loans to loans | 0.0841% | 6,080 |
| Net loans and leases to total assets | 46.9679% | 5,452 |
| Net loans and leases to deposits | 53.8895% | 5,548 |
| Net loans and leases to core deposits | 56.8892% | 5,538 |
| Total domestic deposits to total assets | 87.1559% | 2,596 |
| Equity capital to assets | 12.3898% | 1,643 |
| Core capital (leverage) ratio | 11.5289% | 2,018 |
| Tier 1 risk-based capital ratio | 20.3241% | 1,649 |
| Total risk-based capital ratio | 21.3628% | 1,680 |
| Memoranda: | ||
| Average total assets | $69,958,250 | 5,534 |
| Average earning assets | $67,301,750 | 5,422 |
| Average equity | $8,568,750 | 5,248 |
| Average total loans | $31,951,500 | 5,725 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 4,244 |
| Cost of funding earning assets | 0.6444% | 2,550 |
| Net interest margin | 3.3200% | 4,487 |
| Noninterest income to average assets | 0.9236% | 1,735 |
| Noninterest expense to average assets | 2.1674% | 5,708 |
| Loan and lease loss provision to assets | 0.1716% | 2,192 |
| Net operating income to assets | 1.7786% | 543 |
| Return on assets (ROA) | 1.8243% | 525 |
| Pretax return on assets | 1.8272% | 876 |
| Return on Equity (ROE) | 14.9520% | 818 |
| Retained earnings to average equity (ytd only) | 14.9520% | 238 |
| Net charge-offs to loans | 0.0825% | 3,545 |
| Credit loss provision to net charge-offs | 461.5385% | 591 |
| Earnings coverage of net charge-offs (x) | 52.5385% | 777 |
| Efficiency ratio | 52.6024% | 6,250 |
| Assets per employee ($millions) | 5.3836% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,098 |
| Loan loss allowance to noncurrent loans | 2,969.2308% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 5,743 |
| Noncurrent loans to loans | 0.0397% | 6,276 |
| Net loans and leases to total assets | 46.1972% | 5,511 |
| Net loans and leases to deposits | 52.4240% | 5,651 |
| Net loans and leases to core deposits | 55.3052% | 5,653 |
| Total domestic deposits to total assets | 88.1221% | 2,155 |
| Equity capital to assets | 11.6565% | 2,169 |
| Core capital (leverage) ratio | 11.1154% | 2,242 |
| Tier 1 risk-based capital ratio | 19.1221% | 1,963 |
| Total risk-based capital ratio | 20.0644% | 2,006 |
| Memoranda: | ||
| Average total assets | $69,944,000 | 5,571 |
| Average earning assets | $67,349,330 | 5,466 |
| Average equity | $8,534,000 | 5,297 |
| Average total loans | $31,504,000 | 5,775 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9558% | 4,276 |
| Cost of funding earning assets | 0.6613% | 2,554 |
| Net interest margin | 3.2945% | 4,539 |
| Noninterest income to average assets | 0.5721% | 3,291 |
| Noninterest expense to average assets | 2.0880% | 5,935 |
| Loan and lease loss provision to assets | 0.1716% | 2,142 |
| Net operating income to assets | 1.4702% | 908 |
| Return on assets (ROA) | 1.5617% | 822 |
| Pretax return on assets | 1.5674% | 1,388 |
| Return on Equity (ROE) | 12.5201% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.5201% | 623 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8959% | 6,071 |
| Assets per employee ($millions) | 4.9733% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 5,221 |
| Loan loss allowance to noncurrent loans | 210.8571% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 5,823 |
| Noncurrent loans to loans | 0.5645% | 5,027 |
| Net loans and leases to total assets | 43.9922% | 5,664 |
| Net loans and leases to deposits | 50.4264% | 5,757 |
| Net loans and leases to core deposits | 53.2390% | 5,728 |
| Total domestic deposits to total assets | 87.2404% | 2,803 |
| Equity capital to assets | 12.5987% | 1,652 |
| Core capital (leverage) ratio | 10.6883% | 2,560 |
| Tier 1 risk-based capital ratio | 18.7956% | 2,095 |
| Total risk-based capital ratio | 19.7242% | 2,170 |
| Memoranda: | ||
| Average total assets | $69,922,500 | 5,629 |
| Average earning assets | $67,142,000 | 5,514 |
| Average equity | $8,722,000 | 5,295 |
| Average total loans | $30,897,000 | 5,849 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 4,371 |
| Cost of funding earning assets | 0.8632% | 2,193 |
| Net interest margin | 3.3958% | 4,896 |
| Noninterest income to average assets | 0.8625% | 1,986 |
| Noninterest expense to average assets | 2.4269% | 5,337 |
| Loan and lease loss provision to assets | 0.1622% | 3,585 |
| Net operating income to assets | 1.5142% | 889 |
| Return on assets (ROA) | 1.5142% | 986 |
| Pretax return on assets | 1.5157% | 1,637 |
| Return on Equity (ROE) | 12.2548% | 1,429 |
| Retained earnings to average equity (ytd only) | 5.6441% | 2,287 |
| Net charge-offs to loans | 0.1726% | 3,997 |
| Credit loss provision to net charge-offs | 215.6863% | 1,176 |
| Earnings coverage of net charge-offs (x) | 22.3137% | 1,269 |
| Efficiency ratio | 59.1236% | 5,682 |
| Assets per employee ($millions) | 5.0156% | 2,210 |
| Cash dividends to net income (ytd only)* | 53.9435% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,549 |
| Loan loss allowance to noncurrent loans | 277.8689% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 5,242 |
| Noncurrent loans to loans | 0.3962% | 5,501 |
| Net loans and leases to total assets | 43.3729% | 5,872 |
| Net loans and leases to deposits | 49.5606% | 5,984 |
| Net loans and leases to core deposits | 52.7404% | 5,961 |
| Total domestic deposits to total assets | 87.5148% | 2,517 |
| Equity capital to assets | 12.3499% | 1,827 |
| Core capital (leverage) ratio | 10.2589% | 3,067 |
| Tier 1 risk-based capital ratio | 18.3787% | 2,141 |
| Total risk-based capital ratio | 19.2445% | 2,236 |
| Memoranda: | ||
| Average total assets | $67,824,400 | 5,681 |
| Average earning assets | $64,757,000 | 5,591 |
| Average equity | $8,380,400 | 5,398 |
| Average total loans | $29,552,200 | 5,973 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 4,475 |
| Cost of funding earning assets | 0.9013% | 2,162 |
| Net interest margin | 3.3914% | 5,063 |
| Noninterest income to average assets | 0.8786% | 1,914 |
| Noninterest expense to average assets | 2.4375% | 5,281 |
| Loan and lease loss provision to assets | 0.1587% | 3,526 |
| Net operating income to assets | 1.5192% | 986 |
| Return on assets (ROA) | 1.5192% | 1,096 |
| Pretax return on assets | 1.5212% | 1,803 |
| Return on Equity (ROE) | 12.2938% | 1,538 |
| Retained earnings to average equity (ytd only) | 3.4025% | 4,473 |
| Net charge-offs to loans | 0.1642% | 3,812 |
| Credit loss provision to net charge-offs | 222.2222% | 1,249 |
| Earnings coverage of net charge-offs (x) | 23.5273% | 1,310 |
| Efficiency ratio | 59.2004% | 5,629 |
| Assets per employee ($millions) | 4.9409% | 2,266 |
| Cash dividends to net income (ytd only)* | 72.3238% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 5,794 |
| Loan loss allowance to noncurrent loans | 1,408.6957% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 5,782 |
| Noncurrent loans to loans | 0.0767% | 6,426 |
| Net loans and leases to total assets | 42.8722% | 6,052 |
| Net loans and leases to deposits | 49.1482% | 6,178 |
| Net loans and leases to core deposits | 52.2646% | 6,166 |
| Total domestic deposits to total assets | 87.2306% | 2,540 |
| Equity capital to assets | 12.5251% | 1,875 |
| Core capital (leverage) ratio | 10.0953% | 3,411 |
| Tier 1 risk-based capital ratio | 18.2541% | 2,251 |
| Total risk-based capital ratio | 19.1068% | 2,373 |
| Memoranda: | ||
| Average total assets | $67,225,750 | 5,767 |
| Average earning assets | $64,200,500 | 5,665 |
| Average equity | $8,307,500 | 5,473 |
| Average total loans | $29,241,500 | 6,058 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 4,393 |
| Cost of funding earning assets | 0.9611% | 1,988 |
| Net interest margin | 3.3845% | 5,141 |
| Noninterest income to average assets | 0.9823% | 1,511 |
| Noninterest expense to average assets | 2.4243% | 5,372 |
| Loan and lease loss provision to assets | 0.1502% | 3,647 |
| Net operating income to assets | 1.6312% | 786 |
| Return on assets (ROA) | 1.6312% | 875 |
| Pretax return on assets | 1.6342% | 1,436 |
| Return on Equity (ROE) | 13.2622% | 1,290 |
| Retained earnings to average equity (ytd only) | -0.2687% | 6,085 |
| Net charge-offs to loans | 0.2552% | 3,048 |
| Credit loss provision to net charge-offs | 135.1351% | 2,035 |
| Earnings coverage of net charge-offs (x) | 16.0541% | 1,613 |
| Efficiency ratio | 57.6017% | 5,923 |
| Assets per employee ($millions) | 4.8354% | 2,378 |
| Cash dividends to net income (ytd only)* | 102.0258% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 6,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 5,653 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 42.4566% | 6,158 |
| Net loans and leases to deposits | 48.4467% | 6,284 |
| Net loans and leases to core deposits | 51.4795% | 6,268 |
| Total domestic deposits to total assets | 87.6357% | 2,373 |
| Equity capital to assets | 12.1353% | 2,040 |
| Core capital (leverage) ratio | 10.0224% | 3,397 |
| Tier 1 risk-based capital ratio | 17.4406% | 2,493 |
| Total risk-based capital ratio | 18.2019% | 2,651 |
| Memoranda: | ||
| Average total assets | $66,576,670 | 5,823 |
| Average earning assets | $63,465,670 | 5,723 |
| Average equity | $8,188,670 | 5,516 |
| Average total loans | $28,995,330 | 6,112 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 4,607 |
| Cost of funding earning assets | 0.9764% | 2,124 |
| Net interest margin | 3.3540% | 5,294 |
| Noninterest income to average assets | 1.0846% | 1,223 |
| Noninterest expense to average assets | 2.4781% | 5,220 |
| Loan and lease loss provision to assets | 0.1212% | 3,828 |
| Net operating income to assets | 1.6844% | 743 |
| Return on assets (ROA) | 1.6844% | 827 |
| Pretax return on assets | 1.6905% | 1,326 |
| Return on Equity (ROE) | 13.6016% | 1,281 |
| Retained earnings to average equity (ytd only) | 13.6016% | 611 |
| Net charge-offs to loans | 0.4003% | 2,101 |
| Credit loss provision to net charge-offs | 68.9655% | 2,937 |
| Earnings coverage of net charge-offs (x) | 10.3103% | 1,766 |
| Efficiency ratio | 57.7684% | 5,950 |
| Assets per employee ($millions) | 4.7281% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 5,524 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.5241% | 6,144 |
| Net loans and leases to deposits | 48.7453% | 6,247 |
| Net loans and leases to core deposits | 51.8809% | 6,216 |
| Total domestic deposits to total assets | 87.2373% | 2,808 |
| Equity capital to assets | 12.5738% | 1,674 |
| Core capital (leverage) ratio | 10.6922% | 2,552 |
| Tier 1 risk-based capital ratio | 18.6836% | 2,082 |
| Total risk-based capital ratio | 19.4069% | 2,212 |
| Memoranda: | ||
| Average total assets | $66,017,500 | 5,887 |
| Average earning assets | $63,088,500 | 5,775 |
| Average equity | $8,175,500 | 5,539 |
| Average total loans | $28,976,000 | 6,165 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 4,256 |
| Cost of funding earning assets | 1.1321% | 2,454 |
| Net interest margin | 3.5665% | 4,865 |
| Noninterest income to average assets | 0.6716% | 2,776 |
| Noninterest expense to average assets | 2.5842% | 5,156 |
| Loan and lease loss provision to assets | 0.0881% | 5,489 |
| Net operating income to assets | 1.3574% | 1,122 |
| Return on assets (ROA) | 1.3574% | 1,210 |
| Pretax return on assets | 1.3589% | 1,918 |
| Return on Equity (ROE) | 11.7214% | 1,490 |
| Retained earnings to average equity (ytd only) | 4.9439% | 2,684 |
| Net charge-offs to loans | 0.4737% | 3,097 |
| Credit loss provision to net charge-offs | 40.2878% | 5,620 |
| Earnings coverage of net charge-offs (x) | 6.6187% | 2,479 |
| Efficiency ratio | 64.1046% | 5,105 |
| Assets per employee ($millions) | 4.7030% | 2,602 |
| Cash dividends to net income (ytd only)* | 57.8216% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,406 |
| Loan loss allowance to noncurrent loans | 162.7907% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2484% | 4,142 |
| Noncurrent loans to loans | 0.5824% | 5,544 |
| Net loans and leases to total assets | 44.4291% | 6,170 |
| Net loans and leases to deposits | 50.6993% | 6,315 |
| Net loans and leases to core deposits | 54.2536% | 6,285 |
| Total domestic deposits to total assets | 87.6325% | 2,383 |
| Equity capital to assets | 12.1928% | 1,970 |
| Core capital (leverage) ratio | 10.8263% | 2,414 |
| Tier 1 risk-based capital ratio | 17.7646% | 2,275 |
| Total risk-based capital ratio | 18.5044% | 2,456 |
| Memoranda: | ||
| Average total assets | $63,579,200 | 5,936 |
| Average earning assets | $59,891,200 | 5,869 |
| Average equity | $7,362,600 | 5,756 |
| Average total loans | $29,345,400 | 6,186 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 4,278 |
| Cost of funding earning assets | 1.1526% | 2,620 |
| Net interest margin | 3.5881% | 4,819 |
| Noninterest income to average assets | 0.6221% | 3,045 |
| Noninterest expense to average assets | 2.5581% | 5,243 |
| Loan and lease loss provision to assets | 0.0762% | 5,497 |
| Net operating income to assets | 1.3648% | 1,234 |
| Return on assets (ROA) | 1.3648% | 1,316 |
| Pretax return on assets | 1.3669% | 2,057 |
| Return on Equity (ROE) | 11.9504% | 1,565 |
| Retained earnings to average equity (ytd only) | 2.7050% | 4,736 |
| Net charge-offs to loans | 0.1092% | 4,908 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 28.4159% | 964 |
| Efficiency ratio | 63.9344% | 5,083 |
| Assets per employee ($millions) | 5.0229% | 2,165 |
| Cash dividends to net income (ytd only)* | 77.3646% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 5,202 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4778% | 3,904 |
| Noncurrent loans to loans | 1.7612% | 3,692 |
| Net loans and leases to total assets | 45.0780% | 6,238 |
| Net loans and leases to deposits | 51.3906% | 6,419 |
| Net loans and leases to core deposits | 55.0094% | 6,386 |
| Total domestic deposits to total assets | 87.7163% | 2,222 |
| Equity capital to assets | 12.0279% | 2,229 |
| Core capital (leverage) ratio | 9.9848% | 3,467 |
| Tier 1 risk-based capital ratio | 17.8083% | 2,328 |
| Total risk-based capital ratio | 18.8349% | 2,381 |
| Memoranda: | ||
| Average total assets | $63,013,500 | 6,003 |
| Average earning assets | $59,342,750 | 5,928 |
| Average equity | $7,196,250 | 5,843 |
| Average total loans | $29,298,500 | 6,252 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 4,126 |
| Cost of funding earning assets | 1.1895% | 2,649 |
| Net interest margin | 3.6027% | 4,709 |
| Noninterest income to average assets | 0.6875% | 2,616 |
| Noninterest expense to average assets | 2.5959% | 5,205 |
| Loan and lease loss provision to assets | 0.1157% | 4,835 |
| Net operating income to assets | 1.3590% | 1,172 |
| Return on assets (ROA) | 1.3590% | 1,245 |
| Pretax return on assets | 1.3622% | 1,913 |
| Return on Equity (ROE) | 12.1256% | 1,454 |
| Retained earnings to average equity (ytd only) | -2.1786% | 6,274 |
| Net charge-offs to loans | 0.0481% | 5,174 |
| Credit loss provision to net charge-offs | 514.2857% | 594 |
| Earnings coverage of net charge-offs (x) | 65.7143% | 502 |
| Efficiency ratio | 63.7224% | 5,290 |
| Assets per employee ($millions) | 4.5409% | 2,769 |
| Cash dividends to net income (ytd only)* | 117.9669% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 4,995 |
| Loan loss allowance to noncurrent loans | 40.6218% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 1.7492% | 3,577 |
| Noncurrent loans to loans | 3.2343% | 2,209 |
| Net loans and leases to total assets | 46.3160% | 6,231 |
| Net loans and leases to deposits | 52.0065% | 6,472 |
| Net loans and leases to core deposits | 54.9318% | 6,498 |
| Total domestic deposits to total assets | 89.0581% | 1,502 |
| Equity capital to assets | 10.6950% | 3,293 |
| Core capital (leverage) ratio | 9.9657% | 3,305 |
| Tier 1 risk-based capital ratio | 17.1358% | 2,465 |
| Total risk-based capital ratio | 18.2049% | 2,514 |
| Memoranda: | ||
| Average total assets | $62,252,000 | 6,075 |
| Average earning assets | $58,511,000 | 6,012 |
| Average equity | $6,977,000 | 5,932 |
| Average total loans | $29,128,000 | 6,321 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7644% | 4,232 |
| Cost of funding earning assets | 1.2101% | 2,747 |
| Net interest margin | 3.5543% | 4,792 |
| Noninterest income to average assets | 0.5910% | 3,235 |
| Noninterest expense to average assets | 2.6822% | 4,906 |
| Loan and lease loss provision to assets | 0.0649% | 5,184 |
| Net operating income to assets | 1.1755% | 1,584 |
| Return on assets (ROA) | 1.1755% | 1,636 |
| Pretax return on assets | 1.1820% | 2,441 |
| Return on Equity (ROE) | 10.2462% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.2462% | 1,064 |
| Net charge-offs to loans | 0.0417% | 4,528 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 466 |
| Efficiency ratio | 68.2645% | 4,607 |
| Assets per employee ($millions) | 4.4696% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 5,145 |
| Loan loss allowance to noncurrent loans | 49.0066% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.4303% | 4,129 |
| Noncurrent loans to loans | 2.6473% | 2,851 |
| Net loans and leases to total assets | 44.9867% | 6,386 |
| Net loans and leases to deposits | 50.9631% | 6,551 |
| Net loans and leases to core deposits | 54.1554% | 6,542 |
| Total domestic deposits to total assets | 88.2731% | 2,208 |
| Equity capital to assets | 11.5064% | 2,260 |
| Core capital (leverage) ratio | 10.5316% | 2,581 |
| Tier 1 risk-based capital ratio | 18.3091% | 2,016 |
| Total risk-based capital ratio | 19.3449% | 2,048 |
| Memoranda: | ||
| Average total assets | $61,592,000 | 6,136 |
| Average earning assets | $57,845,500 | 6,068 |
| Average equity | $7,066,000 | 5,911 |
| Average total loans | $28,774,000 | 6,385 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 4,582 |
| Cost of funding earning assets | 1.3975% | 3,285 |
| Net interest margin | 3.5983% | 4,832 |
| Noninterest income to average assets | 0.8003% | 2,281 |
| Noninterest expense to average assets | 2.6763% | 5,097 |
| Loan and lease loss provision to assets | 0.0516% | 6,638 |
| Net operating income to assets | 1.4475% | 859 |
| Return on assets (ROA) | 1.4475% | 928 |
| Pretax return on assets | 1.4492% | 1,511 |
| Return on Equity (ROE) | 12.9031% | 1,113 |
| Retained earnings to average equity (ytd only) | 12.9031% | 215 |
| Net charge-offs to loans | 0.1783% | 5,256 |
| Credit loss provision to net charge-offs | 57.6923% | 6,121 |
| Earnings coverage of net charge-offs (x) | 16.7692% | 1,188 |
| Efficiency ratio | 64.0709% | 5,341 |
| Assets per employee ($millions) | 4.3293% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,258 |
| Loan loss allowance to noncurrent loans | 69.4073% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 4,164 |
| Noncurrent loans to loans | 1.8017% | 3,817 |
| Net loans and leases to total assets | 47.2942% | 6,451 |
| Net loans and leases to deposits | 53.5234% | 6,642 |
| Net loans and leases to core deposits | 56.8694% | 6,638 |
| Total domestic deposits to total assets | 88.3617% | 2,031 |
| Equity capital to assets | 11.4371% | 2,318 |
| Core capital (leverage) ratio | 10.5271% | 2,531 |
| Tier 1 risk-based capital ratio | 16.8156% | 2,417 |
| Total risk-based capital ratio | 17.7755% | 2,485 |
| Memoranda: | ||
| Average total assets | $58,101,600 | 6,271 |
| Average earning assets | $54,526,000 | 6,194 |
| Average equity | $6,517,800 | 6,194 |
| Average total loans | $29,157,800 | 6,440 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0984% | 4,318 |
| Cost of funding earning assets | 1.4298% | 3,392 |
| Net interest margin | 3.6686% | 4,551 |
| Noninterest income to average assets | 0.7771% | 2,341 |
| Noninterest expense to average assets | 2.6260% | 5,214 |
| Loan and lease loss provision to assets | 0.0464% | 6,622 |
| Net operating income to assets | 1.5450% | 838 |
| Return on assets (ROA) | 1.5450% | 918 |
| Pretax return on assets | 1.5450% | 1,487 |
| Return on Equity (ROE) | 13.8439% | 1,067 |
| Retained earnings to average equity (ytd only) | 13.8439% | 284 |
| Net charge-offs to loans | 0.1827% | 4,863 |
| Credit loss provision to net charge-offs | 50.0000% | 5,877 |
| Earnings coverage of net charge-offs (x) | 17.1506% | 1,341 |
| Efficiency ratio | 62.2662% | 5,571 |
| Assets per employee ($millions) | 4.2276% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,340 |
| Loan loss allowance to noncurrent loans | 133.6996% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 4,695 |
| Noncurrent loans to loans | 0.9206% | 5,399 |
| Net loans and leases to total assets | 49.4838% | 6,377 |
| Net loans and leases to deposits | 56.4359% | 6,584 |
| Net loans and leases to core deposits | 60.0841% | 6,593 |
| Total domestic deposits to total assets | 87.6814% | 2,167 |
| Equity capital to assets | 12.0178% | 2,149 |
| Core capital (leverage) ratio | 10.4348% | 2,760 |
| Tier 1 risk-based capital ratio | 17.1292% | 2,295 |
| Total risk-based capital ratio | 18.1403% | 2,342 |
| Memoranda: | ||
| Average total assets | $57,474,500 | 6,375 |
| Average earning assets | $53,897,500 | 6,280 |
| Average equity | $6,414,250 | 6,317 |
| Average total loans | $29,190,250 | 6,524 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 4,269 |
| Cost of funding earning assets | 1.4690% | 3,434 |
| Net interest margin | 3.6668% | 4,514 |
| Noninterest income to average assets | 0.7416% | 2,446 |
| Noninterest expense to average assets | 2.6571% | 5,088 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5113% | 897 |
| Return on assets (ROA) | 1.5113% | 959 |
| Pretax return on assets | 1.5148% | 1,520 |
| Return on Equity (ROE) | 13.9129% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.9129% | 312 |
| Net charge-offs to loans | 0.2480% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.9722% | 1,712 |
| Efficiency ratio | 63.6900% | 5,388 |
| Assets per employee ($millions) | 4.1523% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,613 |
| Loan loss allowance to noncurrent loans | 204.0936% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0734% | 4,983 |
| Noncurrent loans to loans | 0.5725% | 6,106 |
| Net loans and leases to total assets | 50.7775% | 6,340 |
| Net loans and leases to deposits | 57.5377% | 6,610 |
| Net loans and leases to core deposits | 61.2979% | 6,612 |
| Total domestic deposits to total assets | 88.2509% | 1,848 |
| Equity capital to assets | 11.4395% | 2,489 |
| Core capital (leverage) ratio | 10.4792% | 2,646 |
| Tier 1 risk-based capital ratio | 16.6597% | 2,417 |
| Total risk-based capital ratio | 17.6372% | 2,463 |
| Memoranda: | ||
| Average total assets | $56,903,670 | 6,436 |
| Average earning assets | $53,234,000 | 6,357 |
| Average equity | $6,181,330 | 6,412 |
| Average total loans | $29,036,000 | 6,577 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 4,400 |
| Cost of funding earning assets | 1.5220% | 3,413 |
| Net interest margin | 3.6071% | 4,696 |
| Noninterest income to average assets | 0.7177% | 2,484 |
| Noninterest expense to average assets | 2.6861% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3928% | 1,091 |
| Return on assets (ROA) | 1.3928% | 1,166 |
| Pretax return on assets | 1.3999% | 1,779 |
| Return on Equity (ROE) | 13.1831% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.1831% | 598 |
| Net charge-offs to loans | -0.0140% | 6,986 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7391% | 5,173 |
| Assets per employee ($millions) | 3.9814% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,561 |
| Loan loss allowance to noncurrent loans | 142.9630% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6793% | 3,955 |
| Noncurrent loans to loans | 0.9605% | 5,416 |
| Net loans and leases to total assets | 49.7408% | 6,490 |
| Net loans and leases to deposits | 56.0078% | 6,775 |
| Net loans and leases to core deposits | 59.4740% | 6,784 |
| Total domestic deposits to total assets | 88.8103% | 1,610 |
| Equity capital to assets | 10.8882% | 2,857 |
| Core capital (leverage) ratio | 10.2879% | 2,826 |
| Tier 1 risk-based capital ratio | 15.8405% | 2,708 |
| Total risk-based capital ratio | 16.9106% | 2,749 |
| Memoranda: | ||
| Average total assets | $56,289,500 | 6,523 |
| Average earning assets | $52,563,500 | 6,458 |
| Average equity | $5,947,000 | 6,539 |
| Average total loans | $28,620,500 | 6,682 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0211% | 1,784 |
| Cost of funding earning assets | 1.8193% | 3,886 |
| Net interest margin | 4.2018% | 2,050 |
| Noninterest income to average assets | 0.4772% | 4,595 |
| Noninterest expense to average assets | 2.7598% | 5,123 |
| Loan and lease loss provision to assets | 0.3261% | 4,859 |
| Net operating income to assets | 1.3210% | 996 |
| Return on assets (ROA) | 1.3210% | 1,040 |
| Pretax return on assets | 1.3228% | 1,633 |
| Return on Equity (ROE) | 11.8032% | 1,209 |
| Retained earnings to average equity (ytd only) | -6.1897% | 6,167 |
| Net charge-offs to loans | 0.2609% | 4,992 |
| Credit loss provision to net charge-offs | 224.0506% | 1,674 |
| Earnings coverage of net charge-offs (x) | 11.3291% | 1,598 |
| Efficiency ratio | 62.5992% | 6,039 |
| Assets per employee ($millions) | 4.0600% | 3,692 |
| Cash dividends to net income (ytd only)* | 152.4407% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,636 |
| Loan loss allowance to noncurrent loans | 157.7869% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 2.2361% | 3,086 |
| Noncurrent loans to loans | 0.8376% | 5,617 |
| Net loans and leases to total assets | 50.5718% | 6,570 |
| Net loans and leases to deposits | 57.0926% | 6,844 |
| Net loans and leases to core deposits | 66.4041% | 6,960 |
| Total domestic deposits to total assets | 88.5785% | 1,685 |
| Equity capital to assets | 10.2481% | 3,463 |
| Core capital (leverage) ratio | 9.7816% | 3,349 |
| Tier 1 risk-based capital ratio | 15.0584% | 2,912 |
| Total risk-based capital ratio | 16.1090% | 2,972 |
| Memoranda: | ||
| Average total assets | $54,278,400 | 6,552 |
| Average earning assets | $50,788,200 | 6,503 |
| Average equity | $6,074,600 | 6,579 |
| Average total loans | $30,282,000 | 6,610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2288% | 1,299 |
| Cost of funding earning assets | 1.8512% | 4,144 |
| Net interest margin | 4.3777% | 1,501 |
| Noninterest income to average assets | 0.4822% | 4,647 |
| Noninterest expense to average assets | 2.6548% | 5,510 |
| Loan and lease loss provision to assets | 0.3604% | 4,161 |
| Net operating income to assets | 1.5735% | 703 |
| Return on assets (ROA) | 1.5735% | 757 |
| Pretax return on assets | 1.5760% | 1,229 |
| Return on Equity (ROE) | 13.7523% | 970 |
| Retained earnings to average equity (ytd only) | -0.4562% | 5,331 |
| Net charge-offs to loans | 0.0393% | 6,358 |
| Credit loss provision to net charge-offs | 1,611.1111% | 239 |
| Earnings coverage of net charge-offs (x) | 86.5533% | 402 |
| Efficiency ratio | 57.8235% | 6,743 |
| Assets per employee ($millions) | 4.0439% | 3,647 |
| Cash dividends to net income (ytd only)* | 103.3176% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 3,808 |
| Loan loss allowance to noncurrent loans | 79.0654% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.2238% | 3,067 |
| Noncurrent loans to loans | 1.8023% | 3,907 |
| Net loans and leases to total assets | 51.6842% | 6,631 |
| Net loans and leases to deposits | 58.4729% | 6,935 |
| Net loans and leases to core deposits | 68.8106% | 7,028 |
| Total domestic deposits to total assets | 88.3900% | 1,479 |
| Equity capital to assets | 11.2161% | 2,818 |
| Core capital (leverage) ratio | 10.4305% | 2,849 |
| Tier 1 risk-based capital ratio | 15.5890% | 2,774 |
| Total risk-based capital ratio | 16.7118% | 2,783 |
| Memoranda: | ||
| Average total assets | $53,638,000 | 6,613 |
| Average earning assets | $50,345,250 | 6,566 |
| Average equity | $6,137,000 | 6,619 |
| Average total loans | $30,570,000 | 6,649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3146% | 1,170 |
| Cost of funding earning assets | 1.8863% | 4,339 |
| Net interest margin | 4.4283% | 1,344 |
| Noninterest income to average assets | 0.4179% | 5,134 |
| Noninterest expense to average assets | 2.6099% | 5,706 |
| Loan and lease loss provision to assets | 0.3039% | 4,132 |
| Net operating income to assets | 1.6564% | 613 |
| Return on assets (ROA) | 1.6564% | 671 |
| Pretax return on assets | 1.6602% | 1,092 |
| Return on Equity (ROE) | 14.3752% | 929 |
| Retained earnings to average equity (ytd only) | -4.1873% | 6,168 |
| Net charge-offs to loans | 0.0130% | 6,373 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 258.5000% | 156 |
| Efficiency ratio | 57.0598% | 6,979 |
| Assets per employee ($millions) | 3.9151% | 3,851 |
| Cash dividends to net income (ytd only)* | 129.1284% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 4,889 |
| Loan loss allowance to noncurrent loans | 110.9422% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 1.7642% | 3,529 |
| Noncurrent loans to loans | 1.0876% | 5,022 |
| Net loans and leases to total assets | 54.5227% | 6,378 |
| Net loans and leases to deposits | 61.4715% | 6,779 |
| Net loans and leases to core deposits | 72.7855% | 6,852 |
| Total domestic deposits to total assets | 88.6959% | 1,439 |
| Equity capital to assets | 10.8407% | 3,070 |
| Core capital (leverage) ratio | 10.7219% | 2,639 |
| Tier 1 risk-based capital ratio | 14.8949% | 3,066 |
| Total risk-based capital ratio | 15.8376% | 3,140 |
| Memoranda: | ||
| Average total assets | $52,645,670 | 6,718 |
| Average earning assets | $49,409,000 | 6,658 |
| Average equity | $6,066,000 | 6,691 |
| Average total loans | $30,865,330 | 6,680 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5000% | 865 |
| Cost of funding earning assets | 1.9161% | 4,551 |
| Net interest margin | 4.5838% | 966 |
| Noninterest income to average assets | 0.4577% | 4,701 |
| Noninterest expense to average assets | 2.5678% | 5,581 |
| Loan and lease loss provision to assets | 0.2715% | 3,785 |
| Net operating income to assets | 1.9161% | 411 |
| Return on assets (ROA) | 1.9161% | 463 |
| Pretax return on assets | 1.9239% | 763 |
| Return on Equity (ROE) | 16.1227% | 802 |
| Retained earnings to average equity (ytd only) | 16.1227% | 329 |
| Net charge-offs to loans | -0.0128% | 7,336 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9088% | 7,229 |
| Assets per employee ($millions) | 4.0140% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,000 |
| Loan loss allowance to noncurrent loans | 97.8723% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.8531% | 3,141 |
| Noncurrent loans to loans | 1.0460% | 4,889 |
| Net loans and leases to total assets | 59.6585% | 5,712 |
| Net loans and leases to deposits | 68.1830% | 6,168 |
| Net loans and leases to core deposits | 81.5332% | 6,262 |
| Total domestic deposits to total assets | 87.4976% | 1,970 |
| Equity capital to assets | 12.1191% | 2,189 |
| Core capital (leverage) ratio | 11.9498% | 1,920 |
| Tier 1 risk-based capital ratio | 17.0721% | 2,313 |
| Total risk-based capital ratio | 17.9673% | 2,370 |
| Memoranda: | ||
| Average total assets | $51,562,500 | 6,800 |
| Average earning assets | $48,431,000 | 6,731 |
| Average equity | $6,128,000 | 6,717 |
| Average total loans | $31,173,000 | 6,690 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5083% | 2,918 |
| Cost of funding earning assets | 2.4910% | 4,255 |
| Net interest margin | 4.0172% | 3,040 |
| Noninterest income to average assets | 0.5466% | 4,256 |
| Noninterest expense to average assets | 2.7763% | 4,923 |
| Loan and lease loss provision to assets | 0.1376% | 5,598 |
| Net operating income to assets | 1.4295% | 1,169 |
| Return on assets (ROA) | 1.4295% | 1,122 |
| Pretax return on assets | 1.4314% | 1,865 |
| Return on Equity (ROE) | 12.3905% | 1,485 |
| Retained earnings to average equity (ytd only) | 4.4824% | 2,338 |
| Net charge-offs to loans | 0.2590% | 3,684 |
| Credit loss provision to net charge-offs | 88.6076% | 5,710 |
| Earnings coverage of net charge-offs (x) | 10.1013% | 2,575 |
| Efficiency ratio | 63.8914% | 5,583 |
| Assets per employee ($millions) | 3.9187% | 3,684 |
| Cash dividends to net income (ytd only)* | 63.8239% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 6,514 |
| Loan loss allowance to noncurrent loans | 79.2818% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.9630% | 2,507 |
| Noncurrent loans to loans | 1.1718% | 4,178 |
| Net loans and leases to total assets | 60.0789% | 5,900 |
| Net loans and leases to deposits | 69.0647% | 6,369 |
| Net loans and leases to core deposits | 81.3968% | 6,505 |
| Total domestic deposits to total assets | 86.9894% | 1,941 |
| Equity capital to assets | 11.6444% | 2,536 |
| Core capital (leverage) ratio | 11.4759% | 2,267 |
| Tier 1 risk-based capital ratio | 16.9861% | 2,315 |
| Total risk-based capital ratio | 17.8132% | 2,395 |
| Memoranda: | ||
| Average total assets | $50,858,400 | 6,742 |
| Average earning assets | $48,092,800 | 6,668 |
| Average equity | $5,867,400 | 6,848 |
| Average total loans | $30,497,600 | 6,677 |