Home > The First National Bank of Brundidge > Performance and Condition Ratios
The First National Bank of Brundidge, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 1,986 |
| Cost of funding earning assets | 0.6662% | 2,583 |
| Net interest margin | 3.8111% | 1,807 |
| Noninterest income to average assets | 0.5333% | 2,421 |
| Noninterest expense to average assets | 4.1087% | 368 |
| Loan and lease loss provision to assets | 0.1093% | 2,918 |
| Net operating income to assets | -0.1814% | 4,858 |
| Return on assets (ROA) | -0.1814% | 4,858 |
| Pretax return on assets | -0.2338% | 4,858 |
| Return on Equity (ROE) | -1.1382% | 4,850 |
| Retained earnings to average equity (ytd only) | -3.8809% | 4,718 |
| Net charge-offs to loans | 0.1042% | 1,237 |
| Credit loss provision to net charge-offs | 172.4138% | 2,025 |
| Earnings coverage of net charge-offs (x) | -1.9655% | 2,961 |
| Efficiency ratio | 103.1267% | 146 |
| Assets per employee ($millions) | 4.4939% | 3,792 |
| Cash dividends to net income (ytd only)* | -240.9639% | 5,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,478 |
| Loan loss allowance to noncurrent loans | 213.6223% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 2,265 |
| Noncurrent loans to loans | 0.5653% | 2,468 |
| Net loans and leases to total assets | 57.0995% | 3,593 |
| Net loans and leases to deposits | 74.5960% | 3,020 |
| Net loans and leases to core deposits | 88.4481% | 2,203 |
| Total domestic deposits to total assets | 76.5450% | 4,371 |
| Equity capital to assets | 14.6016% | 710 |
| Core capital (leverage) ratio | 16.0730% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4235% | 351 |
| Memoranda: | ||
| Average total assets | $91,513,333 | 4,104 |
| Average earning assets | $82,863,333 | 4,129 |
| Average equity | $14,584,333 | 3,698 |
| Average total loans | $55,684,333 | 4,026 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 2,752 |
| Cost of funding earning assets | 0.7341% | 2,760 |
| Net interest margin | 3.6249% | 2,590 |
| Noninterest income to average assets | 0.6330% | 1,888 |
| Noninterest expense to average assets | 3.1103% | 1,613 |
| Loan and lease loss provision to assets | 0.2277% | 1,359 |
| Net operating income to assets | 0.4508% | 4,013 |
| Return on assets (ROA) | 0.4508% | 4,063 |
| Pretax return on assets | 0.5556% | 4,018 |
| Return on Equity (ROE) | 2.7015% | 4,291 |
| Retained earnings to average equity (ytd only) | -0.0273% | 3,997 |
| Net charge-offs to loans | 0.2329% | 613 |
| Credit loss provision to net charge-offs | 156.2500% | 1,562 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 2,064 |
| Efficiency ratio | 79.8830% | 1,150 |
| Assets per employee ($millions) | 3.9095% | 4,036 |
| Cash dividends to net income (ytd only)* | 101.0101% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,299 |
| Loan loss allowance to noncurrent loans | 209.7561% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,186 |
| Noncurrent loans to loans | 0.6042% | 2,479 |
| Net loans and leases to total assets | 62.3167% | 3,265 |
| Net loans and leases to deposits | 76.4539% | 3,033 |
| Net loans and leases to core deposits | 91.9585% | 2,164 |
| Total domestic deposits to total assets | 81.5089% | 3,542 |
| Equity capital to assets | 17.0319% | 439 |
| Core capital (leverage) ratio | 17.2334% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7816% | 289 |
| Memoranda: | ||
| Average total assets | $87,837,000 | 4,158 |
| Average earning assets | $79,008,000 | 4,189 |
| Average equity | $14,658,500 | 3,702 |
| Average total loans | $54,955,500 | 4,052 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 2,581 |
| Cost of funding earning assets | 0.6655% | 3,330 |
| Net interest margin | 3.9411% | 2,028 |
| Noninterest income to average assets | 0.6459% | 2,024 |
| Noninterest expense to average assets | 3.3882% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5937% | 4,180 |
| Return on assets (ROA) | 0.5937% | 4,234 |
| Pretax return on assets | 0.7804% | 4,013 |
| Return on Equity (ROE) | 3.5529% | 4,565 |
| Retained earnings to average equity (ytd only) | 2.8590% | 3,610 |
| Net charge-offs to loans | 0.0183% | 3,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 67.3000% | 905 |
| Efficiency ratio | 81.2796% | 849 |
| Assets per employee ($millions) | 3.4487% | 4,524 |
| Cash dividends to net income (ytd only)* | 19.5313% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 2,415 |
| Loan loss allowance to noncurrent loans | 243.6364% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 2,329 |
| Noncurrent loans to loans | 0.4944% | 2,702 |
| Net loans and leases to total assets | 61.2892% | 3,471 |
| Net loans and leases to deposits | 74.5173% | 3,303 |
| Net loans and leases to core deposits | 87.5595% | 2,647 |
| Total domestic deposits to total assets | 82.2484% | 3,439 |
| Equity capital to assets | 16.3587% | 544 |
| Core capital (leverage) ratio | 17.1464% | 400 |
| Tier 1 risk-based capital ratio | 28.0061% | 557 |
| Total risk-based capital ratio | 29.2567% | 545 |
| Memoranda: | ||
| Average total assets | $86,241,000 | 4,199 |
| Average earning assets | $77,085,400 | 4,229 |
| Average equity | $14,410,600 | 3,696 |
| Average total loans | $54,640,600 | 4,085 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 2,543 |
| Cost of funding earning assets | 0.6386% | 3,503 |
| Net interest margin | 4.0170% | 1,878 |
| Noninterest income to average assets | 0.6230% | 2,091 |
| Noninterest expense to average assets | 3.3245% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6730% | 4,098 |
| Return on assets (ROA) | 0.6730% | 4,159 |
| Pretax return on assets | 0.8838% | 3,930 |
| Return on Equity (ROE) | 4.0056% | 4,591 |
| Retained earnings to average equity (ytd only) | 3.0762% | 3,861 |
| Net charge-offs to loans | 0.0368% | 2,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 37.7325% | 1,423 |
| Efficiency ratio | 78.9981% | 1,016 |
| Assets per employee ($millions) | 3.3232% | 4,653 |
| Cash dividends to net income (ytd only)* | 23.2019% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,488 |
| Loan loss allowance to noncurrent loans | 232.5175% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 1,856 |
| Noncurrent loans to loans | 0.5173% | 2,739 |
| Net loans and leases to total assets | 65.7507% | 3,079 |
| Net loans and leases to deposits | 81.2256% | 2,772 |
| Net loans and leases to core deposits | 96.2725% | 1,969 |
| Total domestic deposits to total assets | 80.9483% | 3,775 |
| Equity capital to assets | 17.5472% | 428 |
| Core capital (leverage) ratio | 17.3286% | 401 |
| Tier 1 risk-based capital ratio | 27.3460% | 619 |
| Total risk-based capital ratio | 28.5957% | 605 |
| Memoranda: | ||
| Average total assets | $85,385,000 | 4,266 |
| Average earning assets | $76,206,750 | 4,296 |
| Average equity | $14,346,250 | 3,735 |
| Average total loans | $54,394,500 | 4,140 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 2,849 |
| Cost of funding earning assets | 0.6013% | 3,646 |
| Net interest margin | 3.9486% | 2,097 |
| Noninterest income to average assets | 0.6546% | 1,897 |
| Noninterest expense to average assets | 3.2454% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7127% | 3,964 |
| Return on assets (ROA) | 0.7127% | 4,021 |
| Pretax return on assets | 0.9309% | 3,766 |
| Return on Equity (ROE) | 4.3030% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.9014% | 3,764 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7098% | 1,192 |
| Assets per employee ($millions) | 3.5474% | 4,442 |
| Cash dividends to net income (ytd only)* | 32.5733% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,387 |
| Loan loss allowance to noncurrent loans | 218.6495% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 1,806 |
| Noncurrent loans to loans | 0.5602% | 2,588 |
| Net loans and leases to total assets | 64.4080% | 3,296 |
| Net loans and leases to deposits | 79.1384% | 3,040 |
| Net loans and leases to core deposits | 88.3353% | 2,762 |
| Total domestic deposits to total assets | 81.3865% | 3,696 |
| Equity capital to assets | 16.9867% | 471 |
| Core capital (leverage) ratio | 17.0439% | 426 |
| Tier 1 risk-based capital ratio | 26.7328% | 642 |
| Total risk-based capital ratio | 27.9827% | 632 |
| Memoranda: | ||
| Average total assets | $86,153,670 | 4,280 |
| Average earning assets | $76,837,670 | 4,314 |
| Average equity | $14,269,000 | 3,753 |
| Average total loans | $54,096,000 | 4,174 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 3,115 |
| Cost of funding earning assets | 0.5701% | 3,732 |
| Net interest margin | 3.8609% | 2,308 |
| Noninterest income to average assets | 0.6785% | 1,690 |
| Noninterest expense to average assets | 3.3509% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5908% | 4,274 |
| Return on assets (ROA) | 0.5908% | 4,305 |
| Pretax return on assets | 0.7662% | 4,127 |
| Return on Equity (ROE) | 3.6126% | 4,659 |
| Retained earnings to average equity (ytd only) | 0.7903% | 4,364 |
| Net charge-offs to loans | 0.0824% | 1,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 15.0909% | 1,758 |
| Efficiency ratio | 81.3901% | 932 |
| Assets per employee ($millions) | 3.6803% | 4,372 |
| Cash dividends to net income (ytd only)* | 78.1250% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,426 |
| Loan loss allowance to noncurrent loans | 205.2147% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 1,553 |
| Noncurrent loans to loans | 0.5995% | 2,539 |
| Net loans and leases to total assets | 63.4541% | 3,353 |
| Net loans and leases to deposits | 77.6454% | 3,099 |
| Net loans and leases to core deposits | 86.6518% | 2,810 |
| Total domestic deposits to total assets | 81.7229% | 3,797 |
| Equity capital to assets | 16.8051% | 472 |
| Core capital (leverage) ratio | 16.6957% | 456 |
| Tier 1 risk-based capital ratio | 26.1530% | 677 |
| Total risk-based capital ratio | 27.4036% | 662 |
| Memoranda: | ||
| Average total assets | $86,662,000 | 4,317 |
| Average earning assets | $77,184,500 | 4,354 |
| Average equity | $14,172,500 | 3,777 |
| Average total loans | $53,386,500 | 4,232 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 3,253 |
| Cost of funding earning assets | 0.5125% | 3,271 |
| Net interest margin | 3.7437% | 2,883 |
| Noninterest income to average assets | 0.6244% | 2,172 |
| Noninterest expense to average assets | 3.1886% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6277% | 4,340 |
| Return on assets (ROA) | 0.6277% | 4,350 |
| Pretax return on assets | 0.7897% | 4,196 |
| Return on Equity (ROE) | 4.0991% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.0991% | 3,303 |
| Net charge-offs to loans | 0.1176% | 1,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.4839% | 2,622 |
| Efficiency ratio | 80.1505% | 948 |
| Assets per employee ($millions) | 3.6949% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,048 |
| Loan loss allowance to noncurrent loans | 189.4150% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 1,535 |
| Noncurrent loans to loans | 0.6852% | 2,273 |
| Net loans and leases to total assets | 58.3150% | 3,931 |
| Net loans and leases to deposits | 70.5186% | 3,795 |
| Net loans and leases to core deposits | 77.2744% | 3,625 |
| Total domestic deposits to total assets | 82.6945% | 3,427 |
| Equity capital to assets | 15.9230% | 544 |
| Core capital (leverage) ratio | 16.2039% | 490 |
| Tier 1 risk-based capital ratio | 25.6995% | 692 |
| Total risk-based capital ratio | 26.9508% | 675 |
| Memoranda: | ||
| Average total assets | $90,166,000 | 4,268 |
| Average earning assets | $80,775,200 | 4,304 |
| Average equity | $13,807,800 | 3,775 |
| Average total loans | $52,704,400 | 4,249 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 3,282 |
| Cost of funding earning assets | 0.5119% | 3,118 |
| Net interest margin | 3.6995% | 3,021 |
| Noninterest income to average assets | 0.6097% | 2,259 |
| Noninterest expense to average assets | 3.0837% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6730% | 4,309 |
| Return on assets (ROA) | 0.6730% | 4,322 |
| Pretax return on assets | 0.8468% | 4,176 |
| Return on Equity (ROE) | 4.4380% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.4380% | 3,531 |
| Net charge-offs to loans | 0.1465% | 1,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 9.9140% | 2,616 |
| Efficiency ratio | 78.4564% | 1,076 |
| Assets per employee ($millions) | 3.6087% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,194 |
| Loan loss allowance to noncurrent loans | 196.2644% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 1,619 |
| Noncurrent loans to loans | 0.6524% | 2,455 |
| Net loans and leases to total assets | 60.7981% | 3,764 |
| Net loans and leases to deposits | 73.6880% | 3,621 |
| Net loans and leases to core deposits | 80.3099% | 3,472 |
| Total domestic deposits to total assets | 82.5074% | 3,459 |
| Equity capital to assets | 16.0851% | 525 |
| Core capital (leverage) ratio | 15.9093% | 529 |
| Tier 1 risk-based capital ratio | 25.2831% | 725 |
| Total risk-based capital ratio | 26.5346% | 712 |
| Memoranda: | ||
| Average total assets | $90,538,250 | 4,305 |
| Average earning assets | $81,270,000 | 4,343 |
| Average equity | $13,729,750 | 3,813 |
| Average total loans | $52,782,500 | 4,295 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 3,469 |
| Cost of funding earning assets | 0.5188% | 2,855 |
| Net interest margin | 3.5760% | 3,401 |
| Noninterest income to average assets | 0.5857% | 2,405 |
| Noninterest expense to average assets | 3.0115% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6271% | 4,414 |
| Return on assets (ROA) | 0.6271% | 4,419 |
| Pretax return on assets | 0.7861% | 4,290 |
| Return on Equity (ROE) | 4.2159% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.2159% | 3,493 |
| Net charge-offs to loans | 0.2281% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.0167% | 2,665 |
| Efficiency ratio | 79.3005% | 1,087 |
| Assets per employee ($millions) | 3.9186% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,358 |
| Loan loss allowance to noncurrent loans | 207.2948% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 1,738 |
| Noncurrent loans to loans | 0.6095% | 2,585 |
| Net loans and leases to total assets | 59.1359% | 3,892 |
| Net loans and leases to deposits | 73.8916% | 3,547 |
| Net loans and leases to core deposits | 81.7015% | 3,270 |
| Total domestic deposits to total assets | 80.0306% | 4,233 |
| Equity capital to assets | 15.3005% | 630 |
| Core capital (leverage) ratio | 14.8927% | 694 |
| Tier 1 risk-based capital ratio | 24.4954% | 789 |
| Total risk-based capital ratio | 25.7422% | 765 |
| Memoranda: | ||
| Average total assets | $91,848,330 | 4,321 |
| Average earning assets | $82,494,330 | 4,354 |
| Average equity | $13,662,670 | 3,848 |
| Average total loans | $52,597,000 | 4,334 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 3,682 |
| Cost of funding earning assets | 0.5132% | 2,699 |
| Net interest margin | 3.4679% | 3,649 |
| Noninterest income to average assets | 0.5782% | 2,373 |
| Noninterest expense to average assets | 3.0720% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5091% | 4,667 |
| Return on assets (ROA) | 0.5091% | 4,675 |
| Pretax return on assets | 0.6256% | 4,628 |
| Return on Equity (ROE) | 3.4708% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.4708% | 3,814 |
| Net charge-offs to loans | 0.4778% | 319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.3387% | 2,475 |
| Efficiency ratio | 83.0805% | 856 |
| Assets per employee ($millions) | 3.9543% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 2,175 |
| Loan loss allowance to noncurrent loans | 155.9633% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 1,726 |
| Noncurrent loans to loans | 0.8430% | 2,129 |
| Net loans and leases to total assets | 56.1233% | 4,111 |
| Net loans and leases to deposits | 69.8224% | 3,801 |
| Net loans and leases to core deposits | 77.0600% | 3,571 |
| Total domestic deposits to total assets | 80.3800% | 4,348 |
| Equity capital to assets | 14.9844% | 678 |
| Core capital (leverage) ratio | 14.6532% | 728 |
| Tier 1 risk-based capital ratio | 24.8772% | 755 |
| Total risk-based capital ratio | 26.1272% | 744 |
| Memoranda: | ||
| Average total assets | $92,708,500 | 4,358 |
| Average earning assets | $83,393,500 | 4,385 |
| Average equity | $13,599,000 | 3,888 |
| Average total loans | $51,905,500 | 4,397 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 3,002 |
| Cost of funding earning assets | 0.4683% | 2,613 |
| Net interest margin | 3.6473% | 2,993 |
| Noninterest income to average assets | 0.6676% | 2,100 |
| Noninterest expense to average assets | 3.2633% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2954% | 4,937 |
| Return on assets (ROA) | 0.2954% | 4,948 |
| Pretax return on assets | 0.6932% | 4,525 |
| Return on Equity (ROE) | 2.0412% | 5,053 |
| Retained earnings to average equity (ytd only) | 1.3043% | 4,503 |
| Net charge-offs to loans | 0.0315% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 38.2353% | 1,302 |
| Efficiency ratio | 82.4798% | 891 |
| Assets per employee ($millions) | 4.1073% | 3,803 |
| Cash dividends to net income (ytd only)* | 36.1011% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,670 |
| Loan loss allowance to noncurrent loans | 143.2432% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9823% | 1,575 |
| Noncurrent loans to loans | 0.9945% | 1,779 |
| Net loans and leases to total assets | 54.3522% | 4,328 |
| Net loans and leases to deposits | 66.9972% | 4,105 |
| Net loans and leases to core deposits | 72.8291% | 3,985 |
| Total domestic deposits to total assets | 81.1261% | 4,092 |
| Equity capital to assets | 14.3645% | 816 |
| Core capital (leverage) ratio | 14.1008% | 814 |
| Tier 1 risk-based capital ratio | 24.4528% | 775 |
| Total risk-based capital ratio | 25.7078% | 754 |
| Memoranda: | ||
| Average total assets | $93,769,600 | 4,351 |
| Average earning assets | $84,555,600 | 4,386 |
| Average equity | $13,570,200 | 3,908 |
| Average total loans | $53,902,400 | 4,367 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 2,897 |
| Cost of funding earning assets | 0.4593% | 2,621 |
| Net interest margin | 3.6652% | 2,892 |
| Noninterest income to average assets | 0.6695% | 2,126 |
| Noninterest expense to average assets | 3.2180% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5598% | 4,541 |
| Return on assets (ROA) | 0.5598% | 4,576 |
| Pretax return on assets | 0.7593% | 4,454 |
| Return on Equity (ROE) | 3.8613% | 4,896 |
| Retained earnings to average equity (ytd only) | 2.8788% | 4,188 |
| Net charge-offs to loans | -0.0123% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9097% | 1,007 |
| Assets per employee ($millions) | 3.8820% | 4,187 |
| Cash dividends to net income (ytd only)* | 25.4451% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,867 |
| Loan loss allowance to noncurrent loans | 187.7150% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 1,857 |
| Noncurrent loans to loans | 0.7482% | 2,492 |
| Net loans and leases to total assets | 57.5691% | 4,103 |
| Net loans and leases to deposits | 71.3681% | 3,839 |
| Net loans and leases to core deposits | 73.3313% | 4,034 |
| Total domestic deposits to total assets | 80.6650% | 4,150 |
| Equity capital to assets | 14.7798% | 786 |
| Core capital (leverage) ratio | 14.4211% | 786 |
| Tier 1 risk-based capital ratio | 23.4894% | 899 |
| Total risk-based capital ratio | 24.7499% | 884 |
| Memoranda: | ||
| Average total assets | $93,594,750 | 4,395 |
| Average earning assets | $84,467,750 | 4,432 |
| Average equity | $13,570,250 | 3,939 |
| Average total loans | $54,356,000 | 4,384 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,833 |
| Cost of funding earning assets | 0.4510% | 2,591 |
| Net interest margin | 3.6483% | 2,848 |
| Noninterest income to average assets | 0.6828% | 2,071 |
| Noninterest expense to average assets | 3.1450% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6124% | 4,250 |
| Return on assets (ROA) | 0.6124% | 4,293 |
| Pretax return on assets | 0.8342% | 4,146 |
| Return on Equity (ROE) | 4.2507% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.7696% | 4,050 |
| Net charge-offs to loans | -0.0110% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0349% | 1,333 |
| Assets per employee ($millions) | 3.6018% | 4,574 |
| Cash dividends to net income (ytd only)* | 34.8432% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 2,037 |
| Loan loss allowance to noncurrent loans | 193.4010% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 1,972 |
| Noncurrent loans to loans | 0.7133% | 2,612 |
| Net loans and leases to total assets | 58.1678% | 4,011 |
| Net loans and leases to deposits | 71.9724% | 3,745 |
| Net loans and leases to core deposits | 74.4451% | 3,902 |
| Total domestic deposits to total assets | 80.8197% | 4,230 |
| Equity capital to assets | 14.6068% | 801 |
| Core capital (leverage) ratio | 14.5754% | 726 |
| Tier 1 risk-based capital ratio | 23.1007% | 937 |
| Total risk-based capital ratio | 24.3598% | 928 |
| Memoranda: | ||
| Average total assets | $93,737,000 | 4,420 |
| Average earning assets | $84,698,000 | 4,452 |
| Average equity | $13,503,670 | 3,959 |
| Average total loans | $54,341,330 | 4,406 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 2,836 |
| Cost of funding earning assets | 0.4473% | 2,550 |
| Net interest margin | 3.6066% | 2,868 |
| Noninterest income to average assets | 0.6995% | 1,971 |
| Noninterest expense to average assets | 3.2672% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5715% | 4,273 |
| Return on assets (ROA) | 0.5715% | 4,320 |
| Pretax return on assets | 0.6995% | 4,449 |
| Return on Equity (ROE) | 3.9952% | 4,779 |
| Retained earnings to average equity (ytd only) | 1.0137% | 4,656 |
| Net charge-offs to loans | -0.0371% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3656% | 1,126 |
| Assets per employee ($millions) | 3.2627% | 5,090 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 2,091 |
| Loan loss allowance to noncurrent loans | 289.7727% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7859% | 2,333 |
| Noncurrent loans to loans | 0.4821% | 3,357 |
| Net loans and leases to total assets | 59.1112% | 3,874 |
| Net loans and leases to deposits | 73.3360% | 3,467 |
| Net loans and leases to core deposits | 76.2263% | 3,634 |
| Total domestic deposits to total assets | 80.6031% | 4,501 |
| Equity capital to assets | 14.7403% | 700 |
| Core capital (leverage) ratio | 14.1992% | 787 |
| Tier 1 risk-based capital ratio | 23.0278% | 974 |
| Total risk-based capital ratio | 24.2882% | 956 |
| Memoranda: | ||
| Average total assets | $93,781,500 | 4,465 |
| Average earning assets | $84,955,000 | 4,497 |
| Average equity | $13,416,000 | 4,001 |
| Average total loans | $53,894,500 | 4,459 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 2,780 |
| Cost of funding earning assets | 0.5094% | 2,019 |
| Net interest margin | 3.6082% | 3,045 |
| Noninterest income to average assets | 0.6729% | 2,302 |
| Noninterest expense to average assets | 3.2131% | 1,763 |
| Loan and lease loss provision to assets | 0.0225% | 3,921 |
| Net operating income to assets | 0.5752% | 4,323 |
| Return on assets (ROA) | 0.5752% | 4,426 |
| Pretax return on assets | 0.7212% | 4,422 |
| Return on Equity (ROE) | 4.0383% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.3377% | 3,546 |
| Net charge-offs to loans | -0.1431% | 5,672 |
| Credit loss provision to net charge-offs | -28.7671% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2042% | 1,283 |
| Assets per employee ($millions) | 3.5633% | 4,663 |
| Cash dividends to net income (ytd only)* | 17.3507% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,953 |
| Loan loss allowance to noncurrent loans | 151.4970% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.9906% | 1,915 |
| Noncurrent loans to loans | 0.9449% | 2,197 |
| Net loans and leases to total assets | 54.3240% | 4,419 |
| Net loans and leases to deposits | 66.5173% | 4,203 |
| Net loans and leases to core deposits | 69.2468% | 4,306 |
| Total domestic deposits to total assets | 81.6689% | 4,157 |
| Equity capital to assets | 13.8928% | 923 |
| Core capital (leverage) ratio | 13.7193% | 893 |
| Tier 1 risk-based capital ratio | 23.3958% | 926 |
| Total risk-based capital ratio | 24.6559% | 914 |
| Memoranda: | ||
| Average total assets | $93,180,200 | 4,486 |
| Average earning assets | $84,807,800 | 4,499 |
| Average equity | $13,272,800 | 4,059 |
| Average total loans | $51,003,200 | 4,551 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 2,948 |
| Cost of funding earning assets | 0.5243% | 1,910 |
| Net interest margin | 3.5560% | 3,249 |
| Noninterest income to average assets | 0.6751% | 2,288 |
| Noninterest expense to average assets | 3.1968% | 1,781 |
| Loan and lease loss provision to assets | 0.0303% | 3,630 |
| Net operating income to assets | 0.5641% | 4,438 |
| Return on assets (ROA) | 0.5641% | 4,540 |
| Pretax return on assets | 0.6867% | 4,645 |
| Return on Equity (ROE) | 3.9346% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.9988% | 4,118 |
| Net charge-offs to loans | -0.1822% | 5,736 |
| Credit loss provision to net charge-offs | -30.4348% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6808% | 1,230 |
| Assets per employee ($millions) | 3.5588% | 4,707 |
| Cash dividends to net income (ytd only)* | 23.7858% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,999 |
| Loan loss allowance to noncurrent loans | 287.4525% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 2,346 |
| Noncurrent loans to loans | 0.5024% | 3,497 |
| Net loans and leases to total assets | 55.7572% | 4,331 |
| Net loans and leases to deposits | 68.9830% | 4,063 |
| Net loans and leases to core deposits | 71.4735% | 4,206 |
| Total domestic deposits to total assets | 80.8274% | 4,292 |
| Equity capital to assets | 14.5567% | 854 |
| Core capital (leverage) ratio | 14.0354% | 835 |
| Tier 1 risk-based capital ratio | 23.4771% | 948 |
| Total risk-based capital ratio | 24.7371% | 929 |
| Memoranda: | ||
| Average total assets | $92,423,250 | 4,539 |
| Average earning assets | $84,174,500 | 4,550 |
| Average equity | $13,249,500 | 4,091 |
| Average total loans | $50,498,250 | 4,598 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,286 |
| Cost of funding earning assets | 0.5372% | 1,804 |
| Net interest margin | 3.4488% | 3,692 |
| Noninterest income to average assets | 0.6862% | 2,204 |
| Noninterest expense to average assets | 3.1649% | 1,900 |
| Loan and lease loss provision to assets | 0.0455% | 3,239 |
| Net operating income to assets | 0.5369% | 4,536 |
| Return on assets (ROA) | 0.5369% | 4,646 |
| Pretax return on assets | 0.6170% | 4,844 |
| Return on Equity (ROE) | 3.7643% | 4,994 |
| Retained earnings to average equity (ytd only) | 2.3527% | 4,380 |
| Net charge-offs to loans | -0.1283% | 5,696 |
| Credit loss provision to net charge-offs | -65.6250% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 1,187 |
| Assets per employee ($millions) | 3.5175% | 4,725 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 2,006 |
| Loan loss allowance to noncurrent loans | 271.3208% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 2,343 |
| Noncurrent loans to loans | 0.5398% | 3,458 |
| Net loans and leases to total assets | 52.8910% | 4,602 |
| Net loans and leases to deposits | 65.5181% | 4,386 |
| Net loans and leases to core deposits | 68.1114% | 4,464 |
| Total domestic deposits to total assets | 80.7273% | 4,352 |
| Equity capital to assets | 14.6027% | 845 |
| Core capital (leverage) ratio | 13.7387% | 887 |
| Tier 1 risk-based capital ratio | 23.6989% | 934 |
| Total risk-based capital ratio | 24.9586% | 911 |
| Memoranda: | ||
| Average total assets | $92,388,330 | 4,571 |
| Average earning assets | $84,144,330 | 4,584 |
| Average equity | $13,176,330 | 4,128 |
| Average total loans | $49,882,000 | 4,651 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 3,335 |
| Cost of funding earning assets | 0.5575% | 1,643 |
| Net interest margin | 3.4110% | 3,833 |
| Noninterest income to average assets | 0.6849% | 2,112 |
| Noninterest expense to average assets | 3.2309% | 1,761 |
| Loan and lease loss provision to assets | 0.0905% | 2,171 |
| Net operating income to assets | 0.4437% | 4,850 |
| Return on assets (ROA) | 0.4437% | 4,933 |
| Pretax return on assets | 0.4739% | 5,154 |
| Return on Equity (ROE) | 3.1482% | 5,186 |
| Retained earnings to average equity (ytd only) | 0.3056% | 5,040 |
| Net charge-offs to loans | -0.0398% | 5,210 |
| Credit loss provision to net charge-offs | -420.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1305% | 1,051 |
| Assets per employee ($millions) | 3.6086% | 4,635 |
| Cash dividends to net income (ytd only)* | 90.2913% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 2,504 |
| Loan loss allowance to noncurrent loans | 173.8693% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.2108% | 1,801 |
| Noncurrent loans to loans | 0.7948% | 2,848 |
| Net loans and leases to total assets | 52.6326% | 4,568 |
| Net loans and leases to deposits | 64.6488% | 4,375 |
| Net loans and leases to core deposits | 67.8539% | 4,416 |
| Total domestic deposits to total assets | 81.4131% | 4,375 |
| Equity capital to assets | 14.0092% | 978 |
| Core capital (leverage) ratio | 13.6170% | 941 |
| Tier 1 risk-based capital ratio | 23.7386% | 941 |
| Total risk-based capital ratio | 24.9986% | 929 |
| Memoranda: | ||
| Average total assets | $92,854,500 | 4,600 |
| Average earning assets | $84,667,500 | 4,601 |
| Average equity | $13,087,000 | 4,153 |
| Average total loans | $50,277,500 | 4,665 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 2,888 |
| Cost of funding earning assets | 0.6145% | 1,285 |
| Net interest margin | 3.4921% | 3,553 |
| Noninterest income to average assets | 0.7072% | 2,167 |
| Noninterest expense to average assets | 3.1625% | 2,055 |
| Loan and lease loss provision to assets | 0.0570% | 3,169 |
| Net operating income to assets | 0.5934% | 4,303 |
| Return on assets (ROA) | 0.6439% | 4,155 |
| Pretax return on assets | 0.7368% | 4,413 |
| Return on Equity (ROE) | 4.7685% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.9867% | 3,193 |
| Net charge-offs to loans | -0.0431% | 5,512 |
| Credit loss provision to net charge-offs | -245.4545% | 5,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1265% | 1,515 |
| Assets per employee ($millions) | 3.5340% | 4,762 |
| Cash dividends to net income (ytd only)* | 16.3934% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,795 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 1,721 |
| Noncurrent loans to loans | 0.8062% | 2,768 |
| Net loans and leases to total assets | 54.2145% | 4,480 |
| Net loans and leases to deposits | 66.8541% | 4,233 |
| Net loans and leases to core deposits | 70.2877% | 4,288 |
| Total domestic deposits to total assets | 81.0938% | 4,454 |
| Equity capital to assets | 14.1808% | 871 |
| Core capital (leverage) ratio | 13.6051% | 935 |
| Tier 1 risk-based capital ratio | 23.3501% | 971 |
| Total risk-based capital ratio | 24.6100% | 958 |
| Memoranda: | ||
| Average total assets | $94,734,000 | 4,567 |
| Average earning assets | $86,568,000 | 4,577 |
| Average equity | $12,792,400 | 4,175 |
| Average total loans | $51,061,600 | 4,638 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 2,910 |
| Cost of funding earning assets | 0.6249% | 1,246 |
| Net interest margin | 3.4817% | 3,620 |
| Noninterest income to average assets | 0.6789% | 2,333 |
| Noninterest expense to average assets | 3.0984% | 2,224 |
| Loan and lease loss provision to assets | 0.0754% | 2,671 |
| Net operating income to assets | 0.6023% | 4,375 |
| Return on assets (ROA) | 0.6691% | 4,152 |
| Pretax return on assets | 0.7655% | 4,444 |
| Return on Equity (ROE) | 5.0157% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.9686% | 3,646 |
| Net charge-offs to loans | -0.0625% | 5,618 |
| Credit loss provision to net charge-offs | -225.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2170% | 1,632 |
| Assets per employee ($millions) | 3.5373% | 4,727 |
| Cash dividends to net income (ytd only)* | 20.8768% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 3,304 |
| Loan loss allowance to noncurrent loans | 156.8075% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 1,811 |
| Noncurrent loans to loans | 0.8038% | 2,957 |
| Net loans and leases to total assets | 56.8962% | 4,257 |
| Net loans and leases to deposits | 70.1344% | 3,970 |
| Net loans and leases to core deposits | 73.5006% | 4,061 |
| Total domestic deposits to total assets | 81.1245% | 4,442 |
| Equity capital to assets | 14.1186% | 979 |
| Core capital (leverage) ratio | 13.1992% | 1,136 |
| Tier 1 risk-based capital ratio | 22.5939% | 1,109 |
| Total risk-based capital ratio | 23.8512% | 1,089 |
| Memoranda: | ||
| Average total assets | $95,446,250 | 4,609 |
| Average earning assets | $87,272,000 | 4,600 |
| Average equity | $12,733,000 | 4,232 |
| Average total loans | $51,206,750 | 4,676 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 3,000 |
| Cost of funding earning assets | 0.6293% | 1,233 |
| Net interest margin | 3.4430% | 3,744 |
| Noninterest income to average assets | 0.6873% | 2,267 |
| Noninterest expense to average assets | 3.0475% | 2,403 |
| Loan and lease loss provision to assets | 0.1118% | 1,969 |
| Net operating income to assets | 0.6076% | 4,308 |
| Return on assets (ROA) | 0.7101% | 3,968 |
| Pretax return on assets | 0.7909% | 4,347 |
| Return on Equity (ROE) | 5.4234% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.1110% | 3,410 |
| Net charge-offs to loans | 0.1423% | 1,645 |
| Credit loss provision to net charge-offs | 150.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 10.5833% | 2,354 |
| Efficiency ratio | 79.4387% | 1,845 |
| Assets per employee ($millions) | 3.9410% | 3,995 |
| Cash dividends to net income (ytd only)* | 24.1983% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 4,183 |
| Loan loss allowance to noncurrent loans | 119.2157% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 1,942 |
| Noncurrent loans to loans | 0.9475% | 2,757 |
| Net loans and leases to total assets | 56.2674% | 4,312 |
| Net loans and leases to deposits | 68.7002% | 4,061 |
| Net loans and leases to core deposits | 73.7538% | 3,974 |
| Total domestic deposits to total assets | 81.9029% | 4,323 |
| Equity capital to assets | 13.4928% | 1,173 |
| Core capital (leverage) ratio | 12.8768% | 1,226 |
| Tier 1 risk-based capital ratio | 22.3410% | 1,157 |
| Total risk-based capital ratio | 23.5071% | 1,146 |
| Memoranda: | ||
| Average total assets | $96,604,670 | 4,622 |
| Average earning assets | $88,353,000 | 4,631 |
| Average equity | $12,649,000 | 4,271 |
| Average total loans | $50,610,330 | 4,731 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,175 |
| Cost of funding earning assets | 0.6351% | 1,202 |
| Net interest margin | 3.3811% | 3,912 |
| Noninterest income to average assets | 0.6761% | 2,272 |
| Noninterest expense to average assets | 2.9135% | 2,859 |
| Loan and lease loss provision to assets | 0.1639% | 1,224 |
| Net operating income to assets | 0.6679% | 3,964 |
| Return on assets (ROA) | 0.6679% | 4,086 |
| Pretax return on assets | 0.6966% | 4,605 |
| Return on Equity (ROE) | 5.1777% | 4,443 |
| Retained earnings to average equity (ytd only) | 2.5412% | 4,416 |
| Net charge-offs to loans | 0.2367% | 1,006 |
| Credit loss provision to net charge-offs | 137.9310% | 1,323 |
| Earnings coverage of net charge-offs (x) | 7.2414% | 2,190 |
| Efficiency ratio | 77.1987% | 2,313 |
| Assets per employee ($millions) | 3.6173% | 4,689 |
| Cash dividends to net income (ytd only)* | 50.9202% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 3,828 |
| Loan loss allowance to noncurrent loans | 131.5098% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.2154% | 2,202 |
| Noncurrent loans to loans | 0.9293% | 2,922 |
| Net loans and leases to total assets | 49.7384% | 4,879 |
| Net loans and leases to deposits | 60.2780% | 4,725 |
| Net loans and leases to core deposits | 64.7879% | 4,627 |
| Total domestic deposits to total assets | 82.5151% | 4,350 |
| Equity capital to assets | 13.0259% | 1,385 |
| Core capital (leverage) ratio | 12.5857% | 1,325 |
| Tier 1 risk-based capital ratio | 20.5667% | 1,519 |
| Total risk-based capital ratio | 21.6411% | 1,515 |
| Memoranda: | ||
| Average total assets | $97,615,000 | 4,632 |
| Average earning assets | $89,438,000 | 4,646 |
| Average equity | $12,592,500 | 4,305 |
| Average total loans | $49,001,500 | 4,816 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 3,071 |
| Cost of funding earning assets | 0.7242% | 979 |
| Net interest margin | 3.4386% | 4,028 |
| Noninterest income to average assets | 0.6797% | 2,397 |
| Noninterest expense to average assets | 3.1369% | 2,396 |
| Loan and lease loss provision to assets | 0.0123% | 4,377 |
| Net operating income to assets | 0.6333% | 4,219 |
| Return on assets (ROA) | 0.6593% | 4,191 |
| Pretax return on assets | 0.7032% | 4,618 |
| Return on Equity (ROE) | 5.3536% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.7311% | 2,809 |
| Net charge-offs to loans | 0.0570% | 3,690 |
| Credit loss provision to net charge-offs | 42.8571% | 3,617 |
| Earnings coverage of net charge-offs (x) | 24.0357% | 1,556 |
| Efficiency ratio | 82.0150% | 1,660 |
| Assets per employee ($millions) | 3.9025% | 4,159 |
| Cash dividends to net income (ytd only)* | 11.6279% | 4,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 3,947 |
| Loan loss allowance to noncurrent loans | 109.8696% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 2,829 |
| Noncurrent loans to loans | 1.0999% | 2,630 |
| Net loans and leases to total assets | 49.4388% | 5,024 |
| Net loans and leases to deposits | 59.7414% | 4,923 |
| Net loans and leases to core deposits | 63.8041% | 4,841 |
| Total domestic deposits to total assets | 82.7547% | 4,164 |
| Equity capital to assets | 12.7743% | 1,483 |
| Core capital (leverage) ratio | 12.1665% | 1,518 |
| Tier 1 risk-based capital ratio | 20.7100% | 1,469 |
| Total risk-based capital ratio | 21.8096% | 1,471 |
| Memoranda: | ||
| Average total assets | $97,836,800 | 4,651 |
| Average earning assets | $89,483,000 | 4,669 |
| Average equity | $12,048,000 | 4,352 |
| Average total loans | $49,083,400 | 4,851 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 3,112 |
| Cost of funding earning assets | 0.7368% | 955 |
| Net interest margin | 3.4276% | 4,116 |
| Noninterest income to average assets | 0.6537% | 2,556 |
| Noninterest expense to average assets | 3.0723% | 2,557 |
| Loan and lease loss provision to assets | 0.0163% | 4,087 |
| Net operating income to assets | 0.6504% | 4,218 |
| Return on assets (ROA) | 0.6850% | 4,106 |
| Pretax return on assets | 0.7313% | 4,590 |
| Return on Equity (ROE) | 5.6148% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.7776% | 3,228 |
| Net charge-offs to loans | 0.0488% | 3,524 |
| Credit loss provision to net charge-offs | 66.6667% | 2,820 |
| Earnings coverage of net charge-offs (x) | 28.9992% | 1,405 |
| Efficiency ratio | 81.2095% | 1,726 |
| Assets per employee ($millions) | 3.6718% | 4,534 |
| Cash dividends to net income (ytd only)* | 14.9109% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 4,226 |
| Loan loss allowance to noncurrent loans | 107.7061% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 2,791 |
| Noncurrent loans to loans | 1.1137% | 2,839 |
| Net loans and leases to total assets | 51.8540% | 4,824 |
| Net loans and leases to deposits | 62.8271% | 4,661 |
| Net loans and leases to core deposits | 67.2362% | 4,584 |
| Total domestic deposits to total assets | 82.5345% | 4,289 |
| Equity capital to assets | 12.9289% | 1,466 |
| Core capital (leverage) ratio | 12.2784% | 1,528 |
| Tier 1 risk-based capital ratio | 20.3940% | 1,575 |
| Total risk-based capital ratio | 21.4916% | 1,574 |
| Memoranda: | ||
| Average total assets | $97,905,250 | 4,697 |
| Average earning assets | $89,389,250 | 4,717 |
| Average equity | $11,944,250 | 4,396 |
| Average total loans | $49,148,250 | 4,895 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 3,294 |
| Cost of funding earning assets | 0.7490% | 928 |
| Net interest margin | 3.3627% | 4,341 |
| Noninterest income to average assets | 0.6321% | 2,647 |
| Noninterest expense to average assets | 3.0511% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6035% | 4,342 |
| Return on assets (ROA) | 0.6544% | 4,171 |
| Pretax return on assets | 0.7010% | 4,635 |
| Return on Equity (ROE) | 5.4693% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.1994% | 3,497 |
| Net charge-offs to loans | 0.0410% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 31.9000% | 1,203 |
| Efficiency ratio | 82.5205% | 1,686 |
| Assets per employee ($millions) | 3.6948% | 4,461 |
| Cash dividends to net income (ytd only)* | 23.2198% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 4,376 |
| Loan loss allowance to noncurrent loans | 102.5773% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 2,393 |
| Noncurrent loans to loans | 1.1798% | 2,875 |
| Net loans and leases to total assets | 50.7287% | 4,885 |
| Net loans and leases to deposits | 61.1881% | 4,763 |
| Net loans and leases to core deposits | 66.3011% | 4,611 |
| Total domestic deposits to total assets | 82.9062% | 4,340 |
| Equity capital to assets | 12.6260% | 1,574 |
| Core capital (leverage) ratio | 11.8559% | 1,748 |
| Tier 1 risk-based capital ratio | 19.9926% | 1,689 |
| Total risk-based capital ratio | 21.0761% | 1,694 |
| Memoranda: | ||
| Average total assets | $98,717,670 | 4,711 |
| Average earning assets | $89,987,670 | 4,733 |
| Average equity | $11,811,330 | 4,436 |
| Average total loans | $48,829,330 | 4,938 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,871 |
| Cost of funding earning assets | 0.7450% | 992 |
| Net interest margin | 3.2121% | 4,887 |
| Noninterest income to average assets | 0.6477% | 2,477 |
| Noninterest expense to average assets | 2.9347% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6237% | 4,074 |
| Return on assets (ROA) | 0.6237% | 4,159 |
| Pretax return on assets | 0.6437% | 4,685 |
| Return on Equity (ROE) | 5.3551% | 4,359 |
| Retained earnings to average equity (ytd only) | 2.7805% | 4,419 |
| Net charge-offs to loans | 0.1976% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.7083% | 2,198 |
| Efficiency ratio | 82.0112% | 1,923 |
| Assets per employee ($millions) | 3.6486% | 4,625 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 4,706 |
| Loan loss allowance to noncurrent loans | 88.6018% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 2,945 |
| Noncurrent loans to loans | 1.3380% | 2,803 |
| Net loans and leases to total assets | 49.3295% | 4,968 |
| Net loans and leases to deposits | 58.9228% | 4,851 |
| Net loans and leases to core deposits | 64.5743% | 4,642 |
| Total domestic deposits to total assets | 83.7189% | 4,381 |
| Equity capital to assets | 11.9416% | 1,908 |
| Core capital (leverage) ratio | 11.6095% | 1,893 |
| Tier 1 risk-based capital ratio | 19.5455% | 1,823 |
| Total risk-based capital ratio | 20.6306% | 1,836 |
| Memoranda: | ||
| Average total assets | $100,044,500 | 4,737 |
| Average earning assets | $91,280,500 | 4,743 |
| Average equity | $11,652,500 | 4,481 |
| Average total loans | $48,579,500 | 4,985 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 3,056 |
| Cost of funding earning assets | 0.7997% | 1,210 |
| Net interest margin | 3.4731% | 4,015 |
| Noninterest income to average assets | 0.7406% | 2,331 |
| Noninterest expense to average assets | 3.1583% | 2,553 |
| Loan and lease loss provision to assets | 0.1149% | 2,890 |
| Net operating income to assets | 0.5767% | 4,374 |
| Return on assets (ROA) | 0.6826% | 3,980 |
| Pretax return on assets | 0.7326% | 4,405 |
| Return on Equity (ROE) | 5.6727% | 4,287 |
| Retained earnings to average equity (ytd only) | -0.0997% | 5,889 |
| Net charge-offs to loans | 0.5573% | 1,185 |
| Credit loss provision to net charge-offs | 45.0980% | 3,937 |
| Earnings coverage of net charge-offs (x) | 2.8784% | 4,040 |
| Efficiency ratio | 81.1505% | 2,000 |
| Assets per employee ($millions) | 3.7621% | 4,345 |
| Cash dividends to net income (ytd only)* | 101.7570% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 4,320 |
| Loan loss allowance to noncurrent loans | 116.9557% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 3,676 |
| Noncurrent loans to loans | 1.0817% | 3,363 |
| Net loans and leases to total assets | 46.6380% | 5,429 |
| Net loans and leases to deposits | 55.2332% | 5,374 |
| Net loans and leases to core deposits | 61.2981% | 5,125 |
| Total domestic deposits to total assets | 84.4383% | 3,994 |
| Equity capital to assets | 11.3619% | 2,276 |
| Core capital (leverage) ratio | 11.2088% | 2,186 |
| Tier 1 risk-based capital ratio | 19.6542% | 1,737 |
| Total risk-based capital ratio | 20.8277% | 1,726 |
| Memoranda: | ||
| Average total assets | $100,053,400 | 4,736 |
| Average earning assets | $90,783,000 | 4,751 |
| Average equity | $12,040,200 | 4,430 |
| Average total loans | $45,757,800 | 5,124 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,878 |
| Cost of funding earning assets | 0.8104% | 1,273 |
| Net interest margin | 3.5176% | 3,800 |
| Noninterest income to average assets | 0.7478% | 2,376 |
| Noninterest expense to average assets | 3.0807% | 2,722 |
| Loan and lease loss provision to assets | 0.0201% | 4,599 |
| Net operating income to assets | 0.7064% | 3,821 |
| Return on assets (ROA) | 0.8360% | 3,287 |
| Pretax return on assets | 0.9872% | 3,553 |
| Return on Equity (ROE) | 6.8501% | 3,736 |
| Retained earnings to average equity (ytd only) | 2.3016% | 4,950 |
| Net charge-offs to loans | 0.2861% | 2,110 |
| Credit loss provision to net charge-offs | 15.4639% | 4,143 |
| Earnings coverage of net charge-offs (x) | 6.5876% | 2,944 |
| Efficiency ratio | 78.2801% | 2,378 |
| Assets per employee ($millions) | 3.7594% | 4,323 |
| Cash dividends to net income (ytd only)* | 66.4003% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 3,721 |
| Loan loss allowance to noncurrent loans | 155.7377% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 4,401 |
| Noncurrent loans to loans | 0.9264% | 3,963 |
| Net loans and leases to total assets | 46.4765% | 5,495 |
| Net loans and leases to deposits | 55.6839% | 5,401 |
| Net loans and leases to core deposits | 62.7294% | 5,041 |
| Total domestic deposits to total assets | 83.4650% | 4,393 |
| Equity capital to assets | 12.1593% | 1,813 |
| Core capital (leverage) ratio | 11.6929% | 1,892 |
| Tier 1 risk-based capital ratio | 20.9641% | 1,499 |
| Total risk-based capital ratio | 22.2156% | 1,474 |
| Memoranda: | ||
| Average total assets | $99,672,750 | 4,791 |
| Average earning assets | $90,324,750 | 4,799 |
| Average equity | $12,165,000 | 4,469 |
| Average total loans | $45,202,250 | 5,194 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 2,660 |
| Cost of funding earning assets | 0.8166% | 1,330 |
| Net interest margin | 3.5577% | 3,527 |
| Noninterest income to average assets | 0.5981% | 3,205 |
| Noninterest expense to average assets | 3.0783% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6550% | 4,040 |
| Return on assets (ROA) | 0.8573% | 3,156 |
| Pretax return on assets | 0.9610% | 3,677 |
| Return on Equity (ROE) | 7.0156% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.8457% | 3,150 |
| Net charge-offs to loans | -0.0223% | 6,001 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7531% | 2,055 |
| Assets per employee ($millions) | 3.6029% | 4,617 |
| Cash dividends to net income (ytd only)* | 30.9302% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 2,936 |
| Loan loss allowance to noncurrent loans | 162.0690% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 4,462 |
| Noncurrent loans to loans | 1.0245% | 3,886 |
| Net loans and leases to total assets | 45.7857% | 5,556 |
| Net loans and leases to deposits | 54.8976% | 5,444 |
| Net loans and leases to core deposits | 61.8554% | 5,104 |
| Total domestic deposits to total assets | 83.4020% | 4,548 |
| Equity capital to assets | 12.2506% | 1,738 |
| Core capital (leverage) ratio | 11.7184% | 1,788 |
| Tier 1 risk-based capital ratio | 21.1928% | 1,449 |
| Total risk-based capital ratio | 22.4456% | 1,417 |
| Memoranda: | ||
| Average total assets | $100,315,670 | 4,806 |
| Average earning assets | $90,620,000 | 4,825 |
| Average equity | $12,258,330 | 4,473 |
| Average total loans | $44,905,330 | 5,228 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 2,604 |
| Cost of funding earning assets | 0.8369% | 1,331 |
| Net interest margin | 3.5405% | 3,521 |
| Noninterest income to average assets | 0.5421% | 3,488 |
| Noninterest expense to average assets | 3.1502% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5695% | 4,364 |
| Return on assets (ROA) | 0.5813% | 4,458 |
| Pretax return on assets | 0.5774% | 5,031 |
| Return on Equity (ROE) | 4.7631% | 4,705 |
| Retained earnings to average equity (ytd only) | 1.5126% | 5,228 |
| Net charge-offs to loans | -0.0447% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7780% | 1,669 |
| Assets per employee ($millions) | 3.6873% | 4,588 |
| Cash dividends to net income (ytd only)* | 68.2432% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 3,135 |
| Loan loss allowance to noncurrent loans | 109.6210% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 4,418 |
| Noncurrent loans to loans | 1.5229% | 3,263 |
| Net loans and leases to total assets | 44.4896% | 5,611 |
| Net loans and leases to deposits | 53.4062% | 5,486 |
| Net loans and leases to core deposits | 60.5907% | 5,085 |
| Total domestic deposits to total assets | 83.3042% | 4,760 |
| Equity capital to assets | 12.4731% | 1,729 |
| Core capital (leverage) ratio | 11.7551% | 1,706 |
| Tier 1 risk-based capital ratio | 21.3574% | 1,460 |
| Total risk-based capital ratio | 22.6100% | 1,436 |
| Memoranda: | ||
| Average total assets | $101,835,000 | 4,814 |
| Average earning assets | $91,285,500 | 4,860 |
| Average equity | $12,429,000 | 4,488 |
| Average total loans | $44,712,500 | 5,272 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 2,957 |
| Cost of funding earning assets | 1.0639% | 1,055 |
| Net interest margin | 3.5465% | 4,313 |
| Noninterest income to average assets | 0.6504% | 2,984 |
| Noninterest expense to average assets | 3.0051% | 3,251 |
| Loan and lease loss provision to assets | 0.0980% | 4,422 |
| Net operating income to assets | 0.6624% | 3,917 |
| Return on assets (ROA) | 0.7572% | 3,720 |
| Pretax return on assets | 0.8130% | 4,245 |
| Return on Equity (ROE) | 6.2636% | 4,036 |
| Retained earnings to average equity (ytd only) | 1.7583% | 4,977 |
| Net charge-offs to loans | 0.2227% | 3,615 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.2600% | 2,441 |
| Efficiency ratio | 78.7879% | 2,310 |
| Assets per employee ($millions) | 3.8560% | 4,259 |
| Cash dividends to net income (ytd only)* | 71.9276% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 2,992 |
| Loan loss allowance to noncurrent loans | 120.4839% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 4,699 |
| Noncurrent loans to loans | 1.3970% | 3,510 |
| Net loans and leases to total assets | 41.9097% | 6,018 |
| Net loans and leases to deposits | 49.9159% | 5,962 |
| Net loans and leases to core deposits | 57.6302% | 5,583 |
| Total domestic deposits to total assets | 83.9605% | 4,334 |
| Equity capital to assets | 11.9487% | 2,074 |
| Core capital (leverage) ratio | 11.3867% | 1,946 |
| Tier 1 risk-based capital ratio | 22.1045% | 1,247 |
| Total risk-based capital ratio | 23.3575% | 1,214 |
| Memoranda: | ||
| Average total assets | $102,092,600 | 4,776 |
| Average earning assets | $91,075,800 | 4,840 |
| Average equity | $12,341,200 | 4,490 |
| Average total loans | $44,896,600 | 5,288 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 3,056 |
| Cost of funding earning assets | 1.1047% | 1,047 |
| Net interest margin | 3.5362% | 4,500 |
| Noninterest income to average assets | 0.6536% | 2,974 |
| Noninterest expense to average assets | 2.8704% | 3,709 |
| Loan and lease loss provision to assets | 0.0459% | 5,200 |
| Net operating income to assets | 0.8085% | 3,409 |
| Return on assets (ROA) | 0.8085% | 3,652 |
| Pretax return on assets | 0.9135% | 4,050 |
| Return on Equity (ROE) | 6.6684% | 3,980 |
| Retained earnings to average equity (ytd only) | 1.0068% | 5,765 |
| Net charge-offs to loans | 0.1184% | 4,193 |
| Credit loss provision to net charge-offs | 87.5000% | 3,382 |
| Earnings coverage of net charge-offs (x) | 18.2756% | 1,568 |
| Efficiency ratio | 74.9486% | 2,836 |
| Assets per employee ($millions) | 3.9077% | 4,063 |
| Cash dividends to net income (ytd only)* | 84.9034% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 3,327 |
| Loan loss allowance to noncurrent loans | 121.4052% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 4,886 |
| Noncurrent loans to loans | 1.3595% | 3,747 |
| Net loans and leases to total assets | 43.5772% | 6,000 |
| Net loans and leases to deposits | 52.1625% | 5,967 |
| Net loans and leases to core deposits | 60.7125% | 5,485 |
| Total domestic deposits to total assets | 83.5412% | 4,417 |
| Equity capital to assets | 12.3033% | 2,036 |
| Core capital (leverage) ratio | 11.2915% | 2,146 |
| Tier 1 risk-based capital ratio | 21.7241% | 1,376 |
| Total risk-based capital ratio | 22.9767% | 1,353 |
| Memoranda: | ||
| Average total assets | $101,587,750 | 4,836 |
| Average earning assets | $91,245,500 | 4,880 |
| Average equity | $12,316,500 | 4,535 |
| Average total loans | $45,025,750 | 5,342 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 3,208 |
| Cost of funding earning assets | 1.1448% | 1,053 |
| Net interest margin | 3.4913% | 4,710 |
| Noninterest income to average assets | 0.6576% | 2,915 |
| Noninterest expense to average assets | 2.9158% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7737% | 3,499 |
| Return on assets (ROA) | 0.7737% | 3,772 |
| Pretax return on assets | 0.8820% | 4,152 |
| Return on Equity (ROE) | 6.4135% | 4,090 |
| Retained earnings to average equity (ytd only) | -1.5667% | 6,300 |
| Net charge-offs to loans | 0.1777% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,983 |
| Efficiency ratio | 76.7755% | 2,627 |
| Assets per employee ($millions) | 3.7734% | 4,378 |
| Cash dividends to net income (ytd only)* | 124.4275% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 3,869 |
| Loan loss allowance to noncurrent loans | 109.4427% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 4,914 |
| Noncurrent loans to loans | 1.3986% | 3,824 |
| Net loans and leases to total assets | 44.6418% | 5,953 |
| Net loans and leases to deposits | 53.2520% | 5,931 |
| Net loans and leases to core deposits | 61.6321% | 5,427 |
| Total domestic deposits to total assets | 83.8313% | 4,386 |
| Equity capital to assets | 12.0640% | 2,104 |
| Core capital (leverage) ratio | 10.9689% | 2,331 |
| Tier 1 risk-based capital ratio | 20.8190% | 1,518 |
| Total risk-based capital ratio | 22.0704% | 1,488 |
| Memoranda: | ||
| Average total assets | $101,584,000 | 4,866 |
| Average earning assets | $91,371,000 | 4,886 |
| Average equity | $12,255,330 | 4,550 |
| Average total loans | $45,028,670 | 5,381 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 3,266 |
| Cost of funding earning assets | 1.1901% | 1,027 |
| Net interest margin | 3.4601% | 4,878 |
| Noninterest income to average assets | 0.7256% | 2,529 |
| Noninterest expense to average assets | 2.8235% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8715% | 3,045 |
| Return on assets (ROA) | 0.8715% | 3,269 |
| Pretax return on assets | 0.9977% | 3,686 |
| Return on Equity (ROE) | 7.2237% | 3,646 |
| Retained earnings to average equity (ytd only) | 1.4382% | 5,515 |
| Net charge-offs to loans | 0.0270% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 84.3333% | 404 |
| Efficiency ratio | 73.8906% | 3,112 |
| Assets per employee ($millions) | 3.8304% | 4,360 |
| Cash dividends to net income (ytd only)* | 80.0905% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,548 |
| Loan loss allowance to noncurrent loans | 107.5145% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 4,704 |
| Noncurrent loans to loans | 1.5330% | 3,816 |
| Net loans and leases to total assets | 42.9261% | 6,106 |
| Net loans and leases to deposits | 51.0775% | 6,064 |
| Net loans and leases to core deposits | 58.9278% | 5,632 |
| Total domestic deposits to total assets | 84.0411% | 4,470 |
| Equity capital to assets | 11.8601% | 2,139 |
| Core capital (leverage) ratio | 11.2940% | 2,036 |
| Tier 1 risk-based capital ratio | 21.1612% | 1,460 |
| Total risk-based capital ratio | 22.4138% | 1,428 |
| Memoranda: | ||
| Average total assets | $101,435,000 | 4,903 |
| Average earning assets | $90,750,000 | 4,937 |
| Average equity | $12,237,500 | 4,568 |
| Average total loans | $44,448,500 | 5,447 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 1,850 |
| Cost of funding earning assets | 1.4357% | 899 |
| Net interest margin | 3.8186% | 3,729 |
| Noninterest income to average assets | 0.7187% | 2,500 |
| Noninterest expense to average assets | 3.1539% | 3,014 |
| Loan and lease loss provision to assets | 0.5708% | 1,821 |
| Net operating income to assets | 0.3921% | 4,902 |
| Return on assets (ROA) | 0.5857% | 4,254 |
| Pretax return on assets | 0.5778% | 4,752 |
| Return on Equity (ROE) | 5.1138% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.4757% | 3,745 |
| Net charge-offs to loans | 1.0042% | 1,730 |
| Credit loss provision to net charge-offs | 123.6559% | 2,541 |
| Earnings coverage of net charge-offs (x) | 2.0688% | 4,231 |
| Efficiency ratio | 76.7577% | 2,777 |
| Assets per employee ($millions) | 3.6833% | 4,587 |
| Cash dividends to net income (ytd only)* | 32.0339% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 3,173 |
| Loan loss allowance to noncurrent loans | 90.1086% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 4,457 |
| Noncurrent loans to loans | 1.8945% | 3,348 |
| Net loans and leases to total assets | 43.2497% | 6,269 |
| Net loans and leases to deposits | 51.7612% | 6,232 |
| Net loans and leases to core deposits | 58.5040% | 5,973 |
| Total domestic deposits to total assets | 83.5562% | 4,516 |
| Equity capital to assets | 12.2768% | 1,925 |
| Core capital (leverage) ratio | 11.8593% | 1,677 |
| Tier 1 risk-based capital ratio | 23.2077% | 1,078 |
| Total risk-based capital ratio | 24.4627% | 1,058 |
| Memoranda: | ||
| Average total assets | $100,731,400 | 4,874 |
| Average earning assets | $89,431,200 | 4,951 |
| Average equity | $11,537,400 | 4,652 |
| Average total loans | $46,307,400 | 5,413 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3992% | 1,505 |
| Cost of funding earning assets | 1.4766% | 937 |
| Net interest margin | 3.9226% | 3,261 |
| Noninterest income to average assets | 0.7402% | 2,367 |
| Noninterest expense to average assets | 3.0822% | 3,228 |
| Loan and lease loss provision to assets | 0.7587% | 1,253 |
| Net operating income to assets | 0.5014% | 4,545 |
| Return on assets (ROA) | 0.6584% | 4,003 |
| Pretax return on assets | 0.5370% | 5,013 |
| Return on Equity (ROE) | 5.8518% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.0810% | 3,824 |
| Net charge-offs to loans | 1.2553% | 1,237 |
| Credit loss provision to net charge-offs | 130.0905% | 2,442 |
| Earnings coverage of net charge-offs (x) | 1.9525% | 4,193 |
| Efficiency ratio | 73.0228% | 3,358 |
| Assets per employee ($millions) | 3.7109% | 4,512 |
| Cash dividends to net income (ytd only)* | 30.2606% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 3,204 |
| Loan loss allowance to noncurrent loans | 61.2878% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 3,647 |
| Noncurrent loans to loans | 2.8050% | 2,478 |
| Net loans and leases to total assets | 43.9922% | 6,335 |
| Net loans and leases to deposits | 52.5652% | 6,323 |
| Net loans and leases to core deposits | 59.6794% | 6,014 |
| Total domestic deposits to total assets | 83.6908% | 4,381 |
| Equity capital to assets | 12.2182% | 2,081 |
| Core capital (leverage) ratio | 11.7395% | 1,865 |
| Tier 1 risk-based capital ratio | 22.7790% | 1,176 |
| Total risk-based capital ratio | 24.0337% | 1,154 |
| Memoranda: | ||
| Average total assets | $101,052,250 | 4,893 |
| Average earning assets | $89,666,000 | 4,962 |
| Average equity | $11,369,500 | 4,721 |
| Average total loans | $46,944,750 | 5,427 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4337% | 1,464 |
| Cost of funding earning assets | 1.5102% | 972 |
| Net interest margin | 3.9234% | 3,199 |
| Noninterest income to average assets | 0.7559% | 2,233 |
| Noninterest expense to average assets | 3.0887% | 3,294 |
| Loan and lease loss provision to assets | 1.0855% | 760 |
| Net operating income to assets | 0.2131% | 5,696 |
| Return on assets (ROA) | 0.2131% | 5,812 |
| Pretax return on assets | 0.0632% | 6,164 |
| Return on Equity (ROE) | 1.9497% | 5,804 |
| Retained earnings to average equity (ytd only) | -0.5416% | 5,974 |
| Net charge-offs to loans | 1.8177% | 763 |
| Credit loss provision to net charge-offs | 127.0208% | 2,406 |
| Earnings coverage of net charge-offs (x) | 1.3441% | 4,280 |
| Efficiency ratio | 72.8924% | 3,564 |
| Assets per employee ($millions) | 3.7637% | 4,286 |
| Cash dividends to net income (ytd only)* | 127.7778% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,810 |
| Loan loss allowance to noncurrent loans | 53.8133% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.7703% | 3,554 |
| Noncurrent loans to loans | 2.9236% | 2,495 |
| Net loans and leases to total assets | 46.4806% | 6,219 |
| Net loans and leases to deposits | 55.0032% | 6,223 |
| Net loans and leases to core deposits | 61.8845% | 5,907 |
| Total domestic deposits to total assets | 84.5052% | 4,114 |
| Equity capital to assets | 11.4966% | 2,502 |
| Core capital (leverage) ratio | 11.1518% | 2,140 |
| Tier 1 risk-based capital ratio | 20.2216% | 1,568 |
| Total risk-based capital ratio | 21.4740% | 1,542 |
| Memoranda: | ||
| Average total assets | $101,338,000 | 4,922 |
| Average earning assets | $89,921,000 | 4,996 |
| Average equity | $11,078,670 | 4,788 |
| Average total loans | $47,643,330 | 5,452 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5298% | 1,221 |
| Cost of funding earning assets | 1.5438% | 1,008 |
| Net interest margin | 3.9859% | 2,747 |
| Noninterest income to average assets | 0.7945% | 2,054 |
| Noninterest expense to average assets | 2.8143% | 4,386 |
| Loan and lease loss provision to assets | 0.8103% | 1,038 |
| Net operating income to assets | 0.6364% | 3,827 |
| Return on assets (ROA) | 0.6364% | 3,898 |
| Pretax return on assets | 0.6601% | 4,455 |
| Return on Equity (ROE) | 5.9760% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.1943% | 3,645 |
| Net charge-offs to loans | 0.8679% | 1,522 |
| Credit loss provision to net charge-offs | 199.0291% | 1,496 |
| Earnings coverage of net charge-offs (x) | 3.6117% | 2,695 |
| Efficiency ratio | 65.6827% | 5,084 |
| Assets per employee ($millions) | 3.7332% | 4,467 |
| Cash dividends to net income (ytd only)* | 29.8137% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,807 |
| Loan loss allowance to noncurrent loans | 62.6588% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.4673% | 4,057 |
| Noncurrent loans to loans | 2.5257% | 2,954 |
| Net loans and leases to total assets | 45.6561% | 6,318 |
| Net loans and leases to deposits | 53.6101% | 6,333 |
| Net loans and leases to core deposits | 60.2956% | 6,073 |
| Total domestic deposits to total assets | 85.1632% | 3,964 |
| Equity capital to assets | 10.8297% | 2,855 |
| Core capital (leverage) ratio | 11.1451% | 2,077 |
| Tier 1 risk-based capital ratio | 20.6589% | 1,454 |
| Total risk-based capital ratio | 21.9115% | 1,427 |
| Memoranda: | ||
| Average total assets | $101,196,500 | 4,971 |
| Average earning assets | $88,611,500 | 5,070 |
| Average equity | $10,776,500 | 4,850 |
| Average total loans | $47,470,500 | 5,500 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9434% | 956 |
| Cost of funding earning assets | 1.8535% | 988 |
| Net interest margin | 4.0900% | 2,616 |
| Noninterest income to average assets | 0.7374% | 2,606 |
| Noninterest expense to average assets | 3.2308% | 2,975 |
| Loan and lease loss provision to assets | 0.9916% | 1,638 |
| Net operating income to assets | 0.3338% | 4,813 |
| Return on assets (ROA) | 0.4295% | 4,561 |
| Pretax return on assets | 0.1864% | 5,516 |
| Return on Equity (ROE) | 3.9316% | 4,559 |
| Retained earnings to average equity (ytd only) | 3.3387% | 3,528 |
| Net charge-offs to loans | 2.0863% | 961 |
| Credit loss provision to net charge-offs | 90.1268% | 5,127 |
| Earnings coverage of net charge-offs (x) | 0.9837% | 5,124 |
| Efficiency ratio | 74.9076% | 3,222 |
| Assets per employee ($millions) | 3.6284% | 4,635 |
| Cash dividends to net income (ytd only)* | 15.0812% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,876 |
| Loan loss allowance to noncurrent loans | 65.1020% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 4,526 |
| Noncurrent loans to loans | 2.0340% | 3,512 |
| Net loans and leases to total assets | 46.7961% | 6,494 |
| Net loans and leases to deposits | 54.6905% | 6,553 |
| Net loans and leases to core deposits | 60.0093% | 6,390 |
| Total domestic deposits to total assets | 85.5654% | 3,570 |
| Equity capital to assets | 10.4699% | 3,187 |
| Core capital (leverage) ratio | 11.0721% | 2,105 |
| Tier 1 risk-based capital ratio | 19.8461% | 1,516 |
| Total risk-based capital ratio | 21.0973% | 1,490 |
| Memoranda: | ||
| Average total assets | $100,347,000 | 4,979 |
| Average earning assets | $87,727,000 | 5,086 |
| Average equity | $10,962,400 | 4,872 |
| Average total loans | $52,917,600 | 5,361 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0175% | 906 |
| Cost of funding earning assets | 1.9087% | 1,006 |
| Net interest margin | 4.1088% | 2,591 |
| Noninterest income to average assets | 0.7717% | 2,378 |
| Noninterest expense to average assets | 3.0735% | 3,453 |
| Loan and lease loss provision to assets | 0.9930% | 1,498 |
| Net operating income to assets | 0.4492% | 4,542 |
| Return on assets (ROA) | 0.5771% | 4,132 |
| Pretax return on assets | 0.4398% | 5,112 |
| Return on Equity (ROE) | 5.2276% | 4,181 |
| Retained earnings to average equity (ytd only) | 4.5998% | 3,263 |
| Net charge-offs to loans | 1.7769% | 1,097 |
| Credit loss provision to net charge-offs | 103.3287% | 4,153 |
| Earnings coverage of net charge-offs (x) | 1.3578% | 4,720 |
| Efficiency ratio | 70.1979% | 4,022 |
| Assets per employee ($millions) | 3.4917% | 5,005 |
| Cash dividends to net income (ytd only)* | 12.0089% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,822 |
| Loan loss allowance to noncurrent loans | 76.3889% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.3573% | 4,454 |
| Noncurrent loans to loans | 2.0050% | 3,668 |
| Net loans and leases to total assets | 50.6347% | 6,259 |
| Net loans and leases to deposits | 60.2085% | 6,296 |
| Net loans and leases to core deposits | 66.9706% | 6,040 |
| Total domestic deposits to total assets | 84.0989% | 4,062 |
| Equity capital to assets | 11.8281% | 2,264 |
| Core capital (leverage) ratio | 11.4772% | 1,953 |
| Tier 1 risk-based capital ratio | 20.1474% | 1,519 |
| Total risk-based capital ratio | 21.3995% | 1,484 |
| Memoranda: | ||
| Average total assets | $100,034,750 | 5,044 |
| Average earning assets | $87,808,500 | 5,149 |
| Average equity | $11,043,750 | 4,912 |
| Average total loans | $54,101,750 | 5,386 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0769% | 794 |
| Cost of funding earning assets | 2.0044% | 907 |
| Net interest margin | 4.0725% | 2,691 |
| Noninterest income to average assets | 0.7263% | 2,542 |
| Noninterest expense to average assets | 3.0261% | 3,615 |
| Loan and lease loss provision to assets | 1.1787% | 1,198 |
| Net operating income to assets | 0.2520% | 5,368 |
| Return on assets (ROA) | 0.4504% | 4,706 |
| Pretax return on assets | 0.2719% | 5,589 |
| Return on Equity (ROE) | 4.1765% | 4,699 |
| Retained earnings to average equity (ytd only) | 3.4590% | 3,904 |
| Net charge-offs to loans | 2.4595% | 708 |
| Credit loss provision to net charge-offs | 87.2247% | 4,512 |
| Earnings coverage of net charge-offs (x) | 0.9266% | 4,849 |
| Efficiency ratio | 70.7328% | 4,030 |
| Assets per employee ($millions) | 3.4088% | 5,162 |
| Cash dividends to net income (ytd only)* | 17.1806% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,317 |
| Loan loss allowance to noncurrent loans | 53.9280% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 3,796 |
| Noncurrent loans to loans | 2.2745% | 3,403 |
| Net loans and leases to total assets | 55.6000% | 5,769 |
| Net loans and leases to deposits | 65.9713% | 5,807 |
| Net loans and leases to core deposits | 73.2771% | 5,526 |
| Total domestic deposits to total assets | 84.2791% | 3,970 |
| Equity capital to assets | 11.5846% | 2,375 |
| Core capital (leverage) ratio | 11.1419% | 2,141 |
| Tier 1 risk-based capital ratio | 18.9465% | 1,733 |
| Total risk-based capital ratio | 20.1431% | 1,714 |
| Memoranda: | ||
| Average total assets | $100,790,670 | 5,055 |
| Average earning assets | $87,906,000 | 5,181 |
| Average equity | $10,870,330 | 4,951 |
| Average total loans | $55,377,670 | 5,365 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0108% | 960 |
| Cost of funding earning assets | 2.1457% | 695 |
| Net interest margin | 3.8650% | 3,484 |
| Noninterest income to average assets | 0.6572% | 2,894 |
| Noninterest expense to average assets | 2.7604% | 4,648 |
| Loan and lease loss provision to assets | 1.6006% | 722 |
| Net operating income to assets | -0.2049% | 6,548 |
| Return on assets (ROA) | 0.1817% | 5,876 |
| Pretax return on assets | 0.0464% | 6,264 |
| Return on Equity (ROE) | 1.7445% | 5,868 |
| Retained earnings to average equity (ytd only) | 0.7423% | 5,530 |
| Net charge-offs to loans | 2.7614% | 579 |
| Credit loss provision to net charge-offs | 106.7010% | 3,221 |
| Earnings coverage of net charge-offs (x) | 0.8402% | 4,295 |
| Efficiency ratio | 68.6538% | 4,589 |
| Assets per employee ($millions) | 3.3928% | 5,309 |
| Cash dividends to net income (ytd only)* | 57.4468% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,424 |
| Loan loss allowance to noncurrent loans | 81.9724% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.6556% | 3,990 |
| Noncurrent loans to loans | 1.7069% | 4,182 |
| Net loans and leases to total assets | 55.3648% | 5,835 |
| Net loans and leases to deposits | 65.0716% | 5,933 |
| Net loans and leases to core deposits | 73.4052% | 5,560 |
| Total domestic deposits to total assets | 85.0830% | 3,629 |
| Equity capital to assets | 10.9309% | 2,826 |
| Core capital (leverage) ratio | 10.4001% | 2,717 |
| Tier 1 risk-based capital ratio | 17.8386% | 1,988 |
| Total risk-based capital ratio | 19.0892% | 1,958 |
| Memoranda: | ||
| Average total assets | $103,463,000 | 5,045 |
| Average earning assets | $90,038,500 | 5,166 |
| Average equity | $10,777,000 | 5,033 |
| Average total loans | $56,203,000 | 5,413 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5871% | 566 |
| Cost of funding earning assets | 2.6974% | 596 |
| Net interest margin | 3.8896% | 3,311 |
| Noninterest income to average assets | 0.2998% | 5,952 |
| Noninterest expense to average assets | 2.9495% | 4,343 |
| Loan and lease loss provision to assets | 0.7258% | 2,938 |
| Net operating income to assets | 0.1698% | 4,997 |
| Return on assets (ROA) | 0.1680% | 5,071 |
| Pretax return on assets | 0.1290% | 5,161 |
| Return on Equity (ROE) | 1.7858% | 4,985 |
| Retained earnings to average equity (ytd only) | 0.1480% | 4,819 |
| Net charge-offs to loans | 1.3374% | 1,867 |
| Credit loss provision to net charge-offs | 95.7160% | 5,789 |
| Earnings coverage of net charge-offs (x) | 1.1297% | 4,987 |
| Efficiency ratio | 77.4933% | 3,268 |
| Assets per employee ($millions) | 3.6178% | 4,741 |
| Cash dividends to net income (ytd only)* | 91.7127% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 4,712 |
| Loan loss allowance to noncurrent loans | 75.8376% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.5654% | 4,032 |
| Noncurrent loans to loans | 1.7233% | 4,050 |
| Net loans and leases to total assets | 51.9759% | 6,423 |
| Net loans and leases to deposits | 62.5272% | 6,408 |
| Net loans and leases to core deposits | 92.9143% | 4,791 |
| Total domestic deposits to total assets | 83.1253% | 4,470 |
| Equity capital to assets | 9.9498% | 3,834 |
| Core capital (leverage) ratio | 10.0483% | 3,038 |
| Tier 1 risk-based capital ratio | 16.6882% | 2,241 |
| Total risk-based capital ratio | 17.9178% | 2,209 |
| Memoranda: | ||
| Average total assets | $107,747,200 | 4,887 |
| Average earning assets | $97,129,800 | 4,918 |
| Average equity | $10,135,600 | 5,259 |
| Average total loans | $61,090,600 | 5,204 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6522% | 555 |
| Cost of funding earning assets | 2.7819% | 625 |
| Net interest margin | 3.8702% | 3,343 |
| Noninterest income to average assets | 0.1785% | 6,943 |
| Noninterest expense to average assets | 2.8798% | 4,538 |
| Loan and lease loss provision to assets | 0.7835% | 2,415 |
| Net operating income to assets | 0.1512% | 5,318 |
| Return on assets (ROA) | 0.1339% | 5,433 |
| Pretax return on assets | 0.0335% | 5,644 |
| Return on Equity (ROE) | 1.4444% | 5,355 |
| Retained earnings to average equity (ytd only) | -0.6286% | 5,386 |
| Net charge-offs to loans | 1.1126% | 1,798 |
| Credit loss provision to net charge-offs | 122.0077% | 4,157 |
| Earnings coverage of net charge-offs (x) | 1.2992% | 4,805 |
| Efficiency ratio | 77.5367% | 3,231 |
| Assets per employee ($millions) | 3.5539% | 4,798 |
| Cash dividends to net income (ytd only)* | 143.5139% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 3,317 |
| Loan loss allowance to noncurrent loans | 70.0234% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.8731% | 3,551 |
| Noncurrent loans to loans | 2.1728% | 3,415 |
| Net loans and leases to total assets | 54.4571% | 6,328 |
| Net loans and leases to deposits | 65.9106% | 6,317 |
| Net loans and leases to core deposits | 102.0028% | 4,153 |
| Total domestic deposits to total assets | 82.6227% | 4,391 |
| Equity capital to assets | 10.2986% | 3,738 |
| Core capital (leverage) ratio | 10.0100% | 3,268 |
| Tier 1 risk-based capital ratio | 15.9709% | 2,637 |
| Total risk-based capital ratio | 17.2236% | 2,570 |
| Memoranda: | ||
| Average total assets | $107,550,250 | 4,922 |
| Average earning assets | $98,251,500 | 4,915 |
| Average equity | $9,969,750 | 5,345 |
| Average total loans | $62,073,500 | 5,210 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7247% | 518 |
| Cost of funding earning assets | 2.8520% | 689 |
| Net interest margin | 3.8726% | 3,237 |
| Noninterest income to average assets | -0.0037% | 7,974 |
| Noninterest expense to average assets | 2.8092% | 4,924 |
| Loan and lease loss provision to assets | 1.1125% | 1,541 |
| Net operating income to assets | -0.2838% | 6,311 |
| Return on assets (ROA) | -0.3041% | 6,343 |
| Pretax return on assets | -0.3912% | 6,314 |
| Return on Equity (ROE) | -3.4050% | 6,409 |
| Retained earnings to average equity (ytd only) | -5.6265% | 6,398 |
| Net charge-offs to loans | 1.4894% | 1,272 |
| Credit loss provision to net charge-offs | 127.6596% | 3,645 |
| Earnings coverage of net charge-offs (x) | 0.8574% | 4,898 |
| Efficiency ratio | 78.9885% | 3,196 |
| Assets per employee ($millions) | 3.6709% | 4,398 |
| Cash dividends to net income (ytd only)* | -65.2439% | 8,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,283 |
| Loan loss allowance to noncurrent loans | 79.9123% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.5903% | 3,829 |
| Noncurrent loans to loans | 1.8574% | 3,723 |
| Net loans and leases to total assets | 56.7996% | 6,112 |
| Net loans and leases to deposits | 67.5651% | 6,243 |
| Net loans and leases to core deposits | 109.7048% | 3,406 |
| Total domestic deposits to total assets | 84.0665% | 3,727 |
| Equity capital to assets | 8.8141% | 5,577 |
| Core capital (leverage) ratio | 9.0657% | 4,526 |
| Tier 1 risk-based capital ratio | 14.2553% | 3,377 |
| Total risk-based capital ratio | 15.5068% | 3,310 |
| Memoranda: | ||
| Average total assets | $107,861,670 | 4,944 |
| Average earning assets | $99,157,330 | 4,917 |
| Average equity | $9,633,000 | 5,480 |
| Average total loans | $63,112,330 | 5,204 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6070% | 700 |
| Cost of funding earning assets | 2.8998% | 769 |
| Net interest margin | 3.7073% | 3,862 |
| Noninterest income to average assets | 0.6337% | 3,321 |
| Noninterest expense to average assets | 2.6528% | 5,210 |
| Loan and lease loss provision to assets | 0.9764% | 1,330 |
| Net operating income to assets | 0.2284% | 5,568 |
| Return on assets (ROA) | 0.2284% | 5,729 |
| Pretax return on assets | 0.4384% | 5,278 |
| Return on Equity (ROE) | 2.5415% | 5,556 |
| Retained earnings to average equity (ytd only) | -1.8446% | 6,070 |
| Net charge-offs to loans | 0.4689% | 2,272 |
| Credit loss provision to net charge-offs | 353.3333% | 1,429 |
| Earnings coverage of net charge-offs (x) | 5.1200% | 2,741 |
| Efficiency ratio | 65.2174% | 5,468 |
| Assets per employee ($millions) | 3.7848% | 4,129 |
| Cash dividends to net income (ytd only)* | 172.5806% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 2,865 |
| Loan loss allowance to noncurrent loans | 65.0602% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.1128% | 2,733 |
| Noncurrent loans to loans | 2.3365% | 2,817 |
| Net loans and leases to total assets | 59.4212% | 5,753 |
| Net loans and leases to deposits | 70.8830% | 5,884 |
| Net loans and leases to core deposits | 116.4448% | 2,752 |
| Total domestic deposits to total assets | 83.8300% | 3,783 |
| Equity capital to assets | 9.0749% | 5,259 |
| Core capital (leverage) ratio | 9.2271% | 4,368 |
| Tier 1 risk-based capital ratio | 14.2468% | 3,455 |
| Total risk-based capital ratio | 15.4996% | 3,386 |
| Memoranda: | ||
| Average total assets | $108,565,000 | 4,938 |
| Average earning assets | $100,559,500 | 4,898 |
| Average equity | $9,758,000 | 5,461 |
| Average total loans | $63,980,000 | 5,208 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3670% | 525 |
| Cost of funding earning assets | 3.4955% | 526 |
| Net interest margin | 3.8715% | 3,701 |
| Noninterest income to average assets | 1.0130% | 1,537 |
| Noninterest expense to average assets | 2.9133% | 4,403 |
| Loan and lease loss provision to assets | 0.4950% | 2,838 |
| Net operating income to assets | 0.8224% | 3,343 |
| Return on assets (ROA) | 0.8269% | 3,164 |
| Pretax return on assets | 1.1881% | 2,686 |
| Return on Equity (ROE) | 9.4752% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.2251% | 774 |
| Net charge-offs to loans | 0.6256% | 1,965 |
| Credit loss provision to net charge-offs | 132.0293% | 4,034 |
| Earnings coverage of net charge-offs (x) | 4.4719% | 3,969 |
| Efficiency ratio | 63.4711% | 5,674 |
| Assets per employee ($millions) | 3.7052% | 4,166 |
| Cash dividends to net income (ytd only)* | 13.1929% | 4,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,369 |
| Loan loss allowance to noncurrent loans | 100.1280% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 3,537 |
| Noncurrent loans to loans | 1.2200% | 4,074 |
| Net loans and leases to total assets | 56.8885% | 6,343 |
| Net loans and leases to deposits | 67.5436% | 6,501 |
| Net loans and leases to core deposits | 113.1378% | 3,430 |
| Total domestic deposits to total assets | 84.2249% | 3,211 |
| Equity capital to assets | 8.9055% | 5,492 |
| Core capital (leverage) ratio | 9.0912% | 4,604 |
| Tier 1 risk-based capital ratio | 14.2204% | 3,438 |
| Total risk-based capital ratio | 15.3280% | 3,430 |
| Memoranda: | ||
| Average total assets | $109,084,400 | 4,808 |
| Average earning assets | $100,787,600 | 4,784 |
| Average equity | $9,519,600 | 5,565 |
| Average total loans | $65,372,400 | 5,044 |