Home > The First National Bank of Chillicothe > Performance and Condition Ratios
The First National Bank of Chillicothe, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 3,957 |
| Cost of funding earning assets | 0.3445% | 3,873 |
| Net interest margin | 3.4852% | 3,561 |
| Noninterest income to average assets | 0.6319% | 2,570 |
| Noninterest expense to average assets | 2.9018% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0102% | 2,338 |
| Return on assets (ROA) | 0.9978% | 2,513 |
| Pretax return on assets | 0.9978% | 3,596 |
| Return on Equity (ROE) | 7.8693% | 3,131 |
| Retained earnings to average equity (ytd only) | 1.3115% | 5,025 |
| Net charge-offs to loans | -0.0112% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1764% | 2,657 |
| Assets per employee ($millions) | 3.8934% | 4,086 |
| Cash dividends to net income (ytd only)* | 83.3333% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 2,611 |
| Loan loss allowance to noncurrent loans | 173.8255% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 4,603 |
| Noncurrent loans to loans | 0.8231% | 3,063 |
| Net loans and leases to total assets | 38.1905% | 5,729 |
| Net loans and leases to deposits | 45.6214% | 5,699 |
| Net loans and leases to core deposits | 47.8480% | 5,697 |
| Total domestic deposits to total assets | 83.7118% | 3,685 |
| Equity capital to assets | 12.9792% | 1,416 |
| Core capital (leverage) ratio | 12.3858% | 1,440 |
| Tier 1 risk-based capital ratio | 25.9597% | 781 |
| Total risk-based capital ratio | 27.0947% | 774 |
| Memoranda: | ||
| Average total assets | $48,107,330 | 5,718 |
| Average earning assets | $45,277,000 | 5,678 |
| Average equity | $6,099,670 | 5,529 |
| Average total loans | $17,892,330 | 5,929 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 4,212 |
| Cost of funding earning assets | 0.3476% | 3,886 |
| Net interest margin | 3.3977% | 3,853 |
| Noninterest income to average assets | 0.5820% | 2,756 |
| Noninterest expense to average assets | 2.7951% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9918% | 2,299 |
| Return on assets (ROA) | 0.9918% | 2,432 |
| Pretax return on assets | 0.9918% | 3,542 |
| Return on Equity (ROE) | 7.9117% | 3,001 |
| Retained earnings to average equity (ytd only) | 1.3731% | 4,939 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8095% | 2,846 |
| Assets per employee ($millions) | 4.0724% | 3,817 |
| Cash dividends to net income (ytd only)* | 82.6446% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 2,537 |
| Loan loss allowance to noncurrent loans | 198.4615% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 4,878 |
| Noncurrent loans to loans | 0.7455% | 3,397 |
| Net loans and leases to total assets | 35.1552% | 5,867 |
| Net loans and leases to deposits | 40.2530% | 5,905 |
| Net loans and leases to core deposits | 42.0429% | 5,907 |
| Total domestic deposits to total assets | 87.3355% | 2,196 |
| Equity capital to assets | 12.5826% | 1,641 |
| Core capital (leverage) ratio | 12.0656% | 1,603 |
| Tier 1 risk-based capital ratio | 26.5904% | 746 |
| Total risk-based capital ratio | 27.7520% | 736 |
| Memoranda: | ||
| Average total assets | $48,800,500 | 5,752 |
| Average earning assets | $46,031,000 | 5,708 |
| Average equity | $6,117,500 | 5,574 |
| Average total loans | $17,787,500 | 5,989 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 4,337 |
| Cost of funding earning assets | 0.3734% | 3,999 |
| Net interest margin | 3.4718% | 3,893 |
| Noninterest income to average assets | 0.8859% | 1,550 |
| Noninterest expense to average assets | 3.0493% | 2,691 |
| Loan and lease loss provision to assets | 0.0205% | 4,208 |
| Net operating income to assets | 1.0950% | 1,992 |
| Return on assets (ROA) | 1.0950% | 2,047 |
| Pretax return on assets | 1.0950% | 3,106 |
| Return on Equity (ROE) | 8.8440% | 2,662 |
| Retained earnings to average equity (ytd only) | 2.2193% | 4,669 |
| Net charge-offs to loans | 0.0762% | 3,397 |
| Credit loss provision to net charge-offs | 71.4286% | 3,034 |
| Earnings coverage of net charge-offs (x) | 38.8571% | 1,112 |
| Efficiency ratio | 73.2152% | 2,980 |
| Assets per employee ($millions) | 4.0610% | 3,804 |
| Cash dividends to net income (ytd only)* | 74.9064% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 2,836 |
| Loan loss allowance to noncurrent loans | 206.4000% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 5,002 |
| Noncurrent loans to loans | 0.6892% | 3,617 |
| Net loans and leases to total assets | 36.6884% | 5,916 |
| Net loans and leases to deposits | 42.9794% | 5,929 |
| Net loans and leases to core deposits | 44.9402% | 5,930 |
| Total domestic deposits to total assets | 85.3628% | 3,137 |
| Equity capital to assets | 12.4887% | 1,661 |
| Core capital (leverage) ratio | 12.0596% | 1,588 |
| Tier 1 risk-based capital ratio | 24.8406% | 849 |
| Total risk-based capital ratio | 25.9298% | 849 |
| Memoranda: | ||
| Average total assets | $48,765,000 | 5,813 |
| Average earning assets | $46,057,200 | 5,771 |
| Average equity | $6,038,000 | 5,610 |
| Average total loans | $18,379,200 | 6,026 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 4,320 |
| Cost of funding earning assets | 0.3793% | 4,028 |
| Net interest margin | 3.4829% | 3,893 |
| Noninterest income to average assets | 0.9513% | 1,363 |
| Noninterest expense to average assets | 2.9934% | 2,822 |
| Loan and lease loss provision to assets | 0.0273% | 3,862 |
| Net operating income to assets | 1.2192% | 1,609 |
| Return on assets (ROA) | 1.2247% | 1,655 |
| Pretax return on assets | 1.2247% | 2,674 |
| Return on Equity (ROE) | 9.9124% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.2746% | 4,296 |
| Net charge-offs to loans | 0.0723% | 3,165 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 45.6099% | 1,034 |
| Efficiency ratio | 70.5996% | 3,404 |
| Assets per employee ($millions) | 3.9869% | 3,925 |
| Cash dividends to net income (ytd only)* | 66.9641% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,039 |
| Loan loss allowance to noncurrent loans | 198.4848% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 5,161 |
| Noncurrent loans to loans | 0.7196% | 3,810 |
| Net loans and leases to total assets | 37.7924% | 5,952 |
| Net loans and leases to deposits | 44.1668% | 5,962 |
| Net loans and leases to core deposits | 46.4580% | 5,942 |
| Total domestic deposits to total assets | 85.5674% | 3,085 |
| Equity capital to assets | 12.7459% | 1,561 |
| Core capital (leverage) ratio | 12.2119% | 1,568 |
| Tier 1 risk-based capital ratio | 24.9757% | 885 |
| Total risk-based capital ratio | 26.0851% | 884 |
| Memoranda: | ||
| Average total assets | $48,773,250 | 5,881 |
| Average earning assets | $46,052,500 | 5,836 |
| Average equity | $6,026,000 | 5,674 |
| Average total loans | $18,439,750 | 6,089 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 4,220 |
| Cost of funding earning assets | 0.3799% | 4,106 |
| Net interest margin | 3.5008% | 3,787 |
| Noninterest income to average assets | 1.0757% | 1,031 |
| Noninterest expense to average assets | 3.0560% | 2,642 |
| Loan and lease loss provision to assets | 0.0244% | 3,791 |
| Net operating income to assets | 1.2998% | 1,313 |
| Return on assets (ROA) | 1.2998% | 1,357 |
| Pretax return on assets | 1.2998% | 2,250 |
| Return on Equity (ROE) | 10.6298% | 1,881 |
| Retained earnings to average equity (ytd only) | 3.9653% | 3,658 |
| Net charge-offs to loans | 0.1083% | 2,590 |
| Credit loss provision to net charge-offs | 60.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,195 |
| Efficiency ratio | 69.7674% | 3,694 |
| Assets per employee ($millions) | 3.7179% | 4,421 |
| Cash dividends to net income (ytd only)* | 62.6959% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 3,154 |
| Loan loss allowance to noncurrent loans | 172.6667% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 5,128 |
| Noncurrent loans to loans | 0.8333% | 3,617 |
| Net loans and leases to total assets | 36.7078% | 6,021 |
| Net loans and leases to deposits | 42.8075% | 6,042 |
| Net loans and leases to core deposits | 44.7138% | 6,041 |
| Total domestic deposits to total assets | 85.7509% | 3,176 |
| Equity capital to assets | 12.5897% | 1,591 |
| Core capital (leverage) ratio | 11.8793% | 1,730 |
| Tier 1 risk-based capital ratio | 24.5687% | 923 |
| Total risk-based capital ratio | 25.6532% | 918 |
| Memoranda: | ||
| Average total assets | $49,083,330 | 5,922 |
| Average earning assets | $46,332,670 | 5,883 |
| Average equity | $6,002,000 | 5,719 |
| Average total loans | $18,472,000 | 6,141 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 4,191 |
| Cost of funding earning assets | 0.3851% | 4,143 |
| Net interest margin | 3.4916% | 3,734 |
| Noninterest income to average assets | 1.4881% | 527 |
| Noninterest expense to average assets | 3.1299% | 2,441 |
| Loan and lease loss provision to assets | 0.0243% | 3,518 |
| Net operating income to assets | 1.6337% | 634 |
| Return on assets (ROA) | 1.6337% | 661 |
| Pretax return on assets | 1.6337% | 1,100 |
| Return on Equity (ROE) | 13.5559% | 1,023 |
| Retained earnings to average equity (ytd only) | 6.8451% | 2,119 |
| Net charge-offs to loans | 0.2352% | 1,378 |
| Credit loss provision to net charge-offs | 27.2727% | 2,422 |
| Earnings coverage of net charge-offs (x) | 18.6364% | 1,410 |
| Efficiency ratio | 65.3716% | 4,629 |
| Assets per employee ($millions) | 4.1275% | 3,668 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 3,607 |
| Loan loss allowance to noncurrent loans | 164.5161% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 5,214 |
| Noncurrent loans to loans | 0.8500% | 3,768 |
| Net loans and leases to total assets | 36.3012% | 6,055 |
| Net loans and leases to deposits | 41.4649% | 6,105 |
| Net loans and leases to core deposits | 43.2243% | 6,110 |
| Total domestic deposits to total assets | 87.5469% | 2,481 |
| Equity capital to assets | 12.3420% | 1,663 |
| Core capital (leverage) ratio | 11.7457% | 1,805 |
| Tier 1 risk-based capital ratio | 24.2398% | 969 |
| Total risk-based capital ratio | 25.2962% | 977 |
| Memoranda: | ||
| Average total assets | $49,458,500 | 5,978 |
| Average earning assets | $46,741,000 | 5,928 |
| Average equity | $5,960,500 | 5,755 |
| Average total loans | $18,707,500 | 6,188 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 4,032 |
| Cost of funding earning assets | 0.5072% | 3,535 |
| Net interest margin | 3.5104% | 3,850 |
| Noninterest income to average assets | 0.7628% | 2,244 |
| Noninterest expense to average assets | 3.0553% | 2,882 |
| Loan and lease loss provision to assets | 0.0272% | 4,586 |
| Net operating income to assets | 0.9634% | 2,500 |
| Return on assets (ROA) | 0.9613% | 2,575 |
| Pretax return on assets | 0.9613% | 3,508 |
| Return on Equity (ROE) | 7.8835% | 3,092 |
| Retained earnings to average equity (ytd only) | 1.8852% | 4,896 |
| Net charge-offs to loans | 0.0207% | 5,019 |
| Credit loss provision to net charge-offs | 325.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 118.5000% | 399 |
| Efficiency ratio | 75.5165% | 2,855 |
| Assets per employee ($millions) | 4.1156% | 3,613 |
| Cash dividends to net income (ytd only)* | 76.0870% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 3,820 |
| Loan loss allowance to noncurrent loans | 170.1299% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 5,326 |
| Noncurrent loans to loans | 0.8029% | 3,969 |
| Net loans and leases to total assets | 38.3056% | 6,068 |
| Net loans and leases to deposits | 44.4732% | 6,099 |
| Net loans and leases to core deposits | 46.3961% | 6,116 |
| Total domestic deposits to total assets | 86.1320% | 3,184 |
| Equity capital to assets | 11.7602% | 1,976 |
| Core capital (leverage) ratio | 12.0398% | 1,579 |
| Tier 1 risk-based capital ratio | 23.1106% | 1,079 |
| Total risk-based capital ratio | 24.1639% | 1,089 |
| Memoranda: | ||
| Average total assets | $47,850,800 | 6,074 |
| Average earning assets | $44,752,800 | 6,028 |
| Average equity | $5,835,000 | 5,855 |
| Average total loans | $19,357,400 | 6,235 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,912 |
| Cost of funding earning assets | 0.5415% | 3,351 |
| Net interest margin | 3.5138% | 3,821 |
| Noninterest income to average assets | 0.7865% | 2,220 |
| Noninterest expense to average assets | 3.1123% | 2,612 |
| Loan and lease loss provision to assets | 0.0253% | 4,502 |
| Net operating income to assets | 0.9297% | 2,691 |
| Return on assets (ROA) | 0.9297% | 2,799 |
| Pretax return on assets | 0.9297% | 3,765 |
| Return on Equity (ROE) | 7.5546% | 3,348 |
| Retained earnings to average equity (ytd only) | 5.2722% | 2,891 |
| Net charge-offs to loans | 0.0206% | 4,719 |
| Credit loss provision to net charge-offs | 300.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 113.3300% | 451 |
| Efficiency ratio | 76.5193% | 2,647 |
| Assets per employee ($millions) | 3.8840% | 4,061 |
| Cash dividends to net income (ytd only)* | 30.2116% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,151 |
| Loan loss allowance to noncurrent loans | 153.2544% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 5,325 |
| Noncurrent loans to loans | 0.8787% | 4,061 |
| Net loans and leases to total assets | 40.7076% | 5,982 |
| Net loans and leases to deposits | 47.1906% | 6,018 |
| Net loans and leases to core deposits | 48.6987% | 6,086 |
| Total domestic deposits to total assets | 86.2620% | 3,101 |
| Equity capital to assets | 12.5322% | 1,568 |
| Core capital (leverage) ratio | 12.4729% | 1,437 |
| Tier 1 risk-based capital ratio | 24.4279% | 940 |
| Total risk-based capital ratio | 25.5055% | 944 |
| Memoranda: | ||
| Average total assets | $47,466,750 | 6,148 |
| Average earning assets | $44,319,750 | 6,114 |
| Average equity | $5,841,750 | 5,923 |
| Average total loans | $19,401,750 | 6,299 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 3,976 |
| Cost of funding earning assets | 0.5658% | 3,256 |
| Net interest margin | 3.4712% | 3,917 |
| Noninterest income to average assets | 0.5445% | 3,545 |
| Noninterest expense to average assets | 3.0951% | 2,671 |
| Loan and lease loss provision to assets | 0.0293% | 4,341 |
| Net operating income to assets | 0.6576% | 4,029 |
| Return on assets (ROA) | 0.6576% | 4,193 |
| Pretax return on assets | 0.6576% | 4,824 |
| Return on Equity (ROE) | 5.3749% | 4,531 |
| Retained earnings to average equity (ytd only) | 1.9514% | 5,032 |
| Net charge-offs to loans | 0.0103% | 4,676 |
| Credit loss provision to net charge-offs | 700.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 303 |
| Efficiency ratio | 81.8383% | 1,908 |
| Assets per employee ($millions) | 3.6363% | 4,538 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,165 |
| Loan loss allowance to noncurrent loans | 148.8506% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 5,377 |
| Noncurrent loans to loans | 0.9213% | 4,083 |
| Net loans and leases to total assets | 39.4060% | 6,082 |
| Net loans and leases to deposits | 44.9246% | 6,173 |
| Net loans and leases to core deposits | 47.3164% | 6,159 |
| Total domestic deposits to total assets | 87.7158% | 2,434 |
| Equity capital to assets | 12.1679% | 1,795 |
| Core capital (leverage) ratio | 12.0940% | 1,567 |
| Tier 1 risk-based capital ratio | 23.4918% | 1,062 |
| Total risk-based capital ratio | 24.5598% | 1,070 |
| Memoranda: | ||
| Average total assets | $47,753,000 | 6,188 |
| Average earning assets | $44,537,330 | 6,150 |
| Average equity | $5,842,000 | 5,963 |
| Average total loans | $19,458,330 | 6,330 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 3,918 |
| Cost of funding earning assets | 0.5711% | 3,368 |
| Net interest margin | 3.4799% | 3,784 |
| Noninterest income to average assets | 0.6251% | 3,008 |
| Noninterest expense to average assets | 3.0587% | 2,813 |
| Loan and lease loss provision to assets | 0.0250% | 4,159 |
| Net operating income to assets | 0.7918% | 3,212 |
| Return on assets (ROA) | 0.7918% | 3,343 |
| Pretax return on assets | 0.7918% | 4,198 |
| Return on Equity (ROE) | 6.4549% | 3,788 |
| Retained earnings to average equity (ytd only) | 3.0576% | 4,447 |
| Net charge-offs to loans | -0.0203% | 5,717 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9247% | 2,473 |
| Assets per employee ($millions) | 3.1797% | 5,672 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 4,466 |
| Loan loss allowance to noncurrent loans | 146.8571% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 5,353 |
| Noncurrent loans to loans | 0.9194% | 4,295 |
| Net loans and leases to total assets | 39.3702% | 6,046 |
| Net loans and leases to deposits | 45.0225% | 6,123 |
| Net loans and leases to core deposits | 47.4036% | 6,130 |
| Total domestic deposits to total assets | 87.4455% | 2,662 |
| Equity capital to assets | 12.4329% | 1,751 |
| Core capital (leverage) ratio | 11.9895% | 1,570 |
| Tier 1 risk-based capital ratio | 23.2884% | 1,114 |
| Total risk-based capital ratio | 24.3414% | 1,121 |
| Memoranda: | ||
| Average total assets | $47,993,500 | 6,248 |
| Average earning assets | $44,829,000 | 6,193 |
| Average equity | $5,887,000 | 6,013 |
| Average total loans | $19,744,000 | 6,374 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 4,275 |
| Cost of funding earning assets | 0.7385% | 3,177 |
| Net interest margin | 3.5415% | 4,334 |
| Noninterest income to average assets | 0.6815% | 2,829 |
| Noninterest expense to average assets | 3.0341% | 3,149 |
| Loan and lease loss provision to assets | 0.0273% | 5,555 |
| Net operating income to assets | 0.9184% | 2,723 |
| Return on assets (ROA) | 1.2853% | 1,497 |
| Pretax return on assets | 1.2853% | 2,465 |
| Return on Equity (ROE) | 10.5883% | 1,944 |
| Retained earnings to average equity (ytd only) | 4.3701% | 3,152 |
| Net charge-offs to loans | 0.0194% | 5,636 |
| Credit loss provision to net charge-offs | 325.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 112.7500% | 339 |
| Efficiency ratio | 76.2381% | 2,707 |
| Assets per employee ($millions) | 3.2194% | 5,581 |
| Cash dividends to net income (ytd only)* | 58.7276% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,951 |
| Loan loss allowance to noncurrent loans | 25,300.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 6,504 |
| Noncurrent loans to loans | 0.0049% | 6,573 |
| Net loans and leases to total assets | 41.8297% | 6,023 |
| Net loans and leases to deposits | 47.6314% | 6,129 |
| Net loans and leases to core deposits | 50.1042% | 6,141 |
| Total domestic deposits to total assets | 87.8197% | 2,333 |
| Equity capital to assets | 12.1016% | 1,982 |
| Core capital (leverage) ratio | 11.8347% | 1,647 |
| Tier 1 risk-based capital ratio | 21.9613% | 1,272 |
| Total risk-based capital ratio | 22.9466% | 1,297 |
| Memoranda: | ||
| Average total assets | $47,691,400 | 6,272 |
| Average earning assets | $44,415,600 | 6,225 |
| Average equity | $5,789,400 | 6,076 |
| Average total loans | $20,585,800 | 6,395 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 4,398 |
| Cost of funding earning assets | 0.7678% | 3,211 |
| Net interest margin | 3.5469% | 4,452 |
| Noninterest income to average assets | 0.6675% | 2,892 |
| Noninterest expense to average assets | 2.8970% | 3,610 |
| Loan and lease loss provision to assets | 0.0252% | 5,470 |
| Net operating income to assets | 1.0489% | 2,285 |
| Return on assets (ROA) | 1.2284% | 1,813 |
| Pretax return on assets | 1.2284% | 2,876 |
| Return on Equity (ROE) | 10.1111% | 2,293 |
| Retained earnings to average equity (ytd only) | 4.9169% | 3,426 |
| Net charge-offs to loans | 0.0194% | 5,398 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 127.6625% | 344 |
| Efficiency ratio | 72.9520% | 3,151 |
| Assets per employee ($millions) | 3.6947% | 4,552 |
| Cash dividends to net income (ytd only)* | 51.3690% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 5,327 |
| Loan loss allowance to noncurrent loans | 308.6420% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 6,163 |
| Noncurrent loans to loans | 0.3857% | 5,694 |
| Net loans and leases to total assets | 43.1992% | 6,025 |
| Net loans and leases to deposits | 51.9179% | 5,982 |
| Net loans and leases to core deposits | 53.9987% | 6,048 |
| Total domestic deposits to total assets | 83.2067% | 4,558 |
| Equity capital to assets | 12.5107% | 1,885 |
| Core capital (leverage) ratio | 11.7570% | 1,804 |
| Tier 1 risk-based capital ratio | 21.6149% | 1,398 |
| Total risk-based capital ratio | 22.5799% | 1,418 |
| Memoranda: | ||
| Average total assets | $47,541,500 | 6,354 |
| Average earning assets | $44,281,500 | 6,301 |
| Average equity | $5,775,750 | 6,149 |
| Average total loans | $20,619,000 | 6,484 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 4,261 |
| Cost of funding earning assets | 0.8087% | 3,124 |
| Net interest margin | 3.5710% | 4,382 |
| Noninterest income to average assets | 0.6501% | 2,955 |
| Noninterest expense to average assets | 2.9043% | 3,600 |
| Loan and lease loss provision to assets | 0.0253% | 5,348 |
| Net operating income to assets | 1.0384% | 2,307 |
| Return on assets (ROA) | 1.3086% | 1,567 |
| Pretax return on assets | 1.3086% | 2,526 |
| Return on Equity (ROE) | 10.8810% | 2,024 |
| Retained earnings to average equity (ytd only) | 4.3875% | 3,693 |
| Net charge-offs to loans | 0.0293% | 4,972 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 489 |
| Efficiency ratio | 73.1915% | 3,211 |
| Assets per employee ($millions) | 3.7181% | 4,484 |
| Cash dividends to net income (ytd only)* | 59.6774% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 5,112 |
| Loan loss allowance to noncurrent loans | 297.5904% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 6,225 |
| Noncurrent loans to loans | 0.4208% | 5,693 |
| Net loans and leases to total assets | 40.3000% | 6,320 |
| Net loans and leases to deposits | 45.8977% | 6,446 |
| Net loans and leases to core deposits | 47.6248% | 6,486 |
| Total domestic deposits to total assets | 87.8039% | 2,278 |
| Equity capital to assets | 12.0720% | 2,096 |
| Core capital (leverage) ratio | 11.6109% | 1,829 |
| Tier 1 risk-based capital ratio | 22.1024% | 1,272 |
| Total risk-based capital ratio | 23.0930% | 1,301 |
| Memoranda: | ||
| Average total assets | $47,378,330 | 6,400 |
| Average earning assets | $44,021,000 | 6,349 |
| Average equity | $5,698,000 | 6,195 |
| Average total loans | $20,492,330 | 6,541 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 3,883 |
| Cost of funding earning assets | 0.8445% | 3,108 |
| Net interest margin | 3.6626% | 3,995 |
| Noninterest income to average assets | 0.6652% | 2,836 |
| Noninterest expense to average assets | 2.8998% | 3,624 |
| Loan and lease loss provision to assets | 0.0256% | 5,028 |
| Net operating income to assets | 1.1429% | 1,907 |
| Return on assets (ROA) | 1.1429% | 2,092 |
| Pretax return on assets | 1.1429% | 3,149 |
| Return on Equity (ROE) | 9.5213% | 2,596 |
| Retained earnings to average equity (ytd only) | -1.8474% | 6,259 |
| Net charge-offs to loans | 0.0383% | 4,163 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 493 |
| Efficiency ratio | 71.2788% | 3,574 |
| Assets per employee ($millions) | 3.6238% | 4,815 |
| Cash dividends to net income (ytd only)* | 119.4030% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 5,555 |
| Loan loss allowance to noncurrent loans | 326.6667% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 6,361 |
| Noncurrent loans to loans | 0.3632% | 5,949 |
| Net loans and leases to total assets | 43.3114% | 6,070 |
| Net loans and leases to deposits | 49.3172% | 6,193 |
| Net loans and leases to core deposits | 51.2200% | 6,262 |
| Total domestic deposits to total assets | 87.8221% | 2,438 |
| Equity capital to assets | 12.0781% | 1,990 |
| Core capital (leverage) ratio | 11.5132% | 1,884 |
| Tier 1 risk-based capital ratio | 21.2384% | 1,440 |
| Total risk-based capital ratio | 22.2090% | 1,473 |
| Memoranda: | ||
| Average total assets | $46,900,000 | 6,462 |
| Average earning assets | $43,575,500 | 6,408 |
| Average equity | $5,629,500 | 6,242 |
| Average total loans | $20,875,500 | 6,569 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 3,168 |
| Cost of funding earning assets | 0.9941% | 3,420 |
| Net interest margin | 3.9433% | 3,145 |
| Noninterest income to average assets | 0.6929% | 2,640 |
| Noninterest expense to average assets | 3.0994% | 3,199 |
| Loan and lease loss provision to assets | 0.0415% | 6,057 |
| Net operating income to assets | 1.2022% | 1,507 |
| Return on assets (ROA) | 1.1978% | 1,627 |
| Pretax return on assets | 1.1978% | 2,467 |
| Return on Equity (ROE) | 10.4246% | 1,905 |
| Retained earnings to average equity (ytd only) | 3.8997% | 3,439 |
| Net charge-offs to loans | 0.0660% | 5,647 |
| Credit loss provision to net charge-offs | 126.6667% | 2,453 |
| Earnings coverage of net charge-offs (x) | 37.9333% | 708 |
| Efficiency ratio | 71.3639% | 3,722 |
| Assets per employee ($millions) | 3.5915% | 4,789 |
| Cash dividends to net income (ytd only)* | 62.5912% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,595 |
| Loan loss allowance to noncurrent loans | 325.3333% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,435 |
| Noncurrent loans to loans | 0.3554% | 6,009 |
| Net loans and leases to total assets | 44.6734% | 6,144 |
| Net loans and leases to deposits | 50.7815% | 6,307 |
| Net loans and leases to core deposits | 53.1035% | 6,361 |
| Total domestic deposits to total assets | 87.9717% | 2,183 |
| Equity capital to assets | 11.9276% | 2,183 |
| Core capital (leverage) ratio | 11.6852% | 1,771 |
| Tier 1 risk-based capital ratio | 20.6952% | 1,480 |
| Total risk-based capital ratio | 21.6314% | 1,524 |
| Memoranda: | ||
| Average total assets | $45,751,200 | 6,488 |
| Average earning assets | $42,350,400 | 6,450 |
| Average equity | $5,256,800 | 6,363 |
| Average total loans | $22,727,000 | 6,520 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 3,873 |
| Cost of funding earning assets | 1.0290% | 3,474 |
| Net interest margin | 3.8027% | 3,870 |
| Noninterest income to average assets | 0.7060% | 2,571 |
| Noninterest expense to average assets | 3.0757% | 3,255 |
| Loan and lease loss provision to assets | 0.0264% | 6,116 |
| Net operating income to assets | 1.1219% | 1,900 |
| Return on assets (ROA) | 1.1219% | 2,031 |
| Pretax return on assets | 1.1219% | 2,921 |
| Return on Equity (ROE) | 9.8605% | 2,248 |
| Retained earnings to average equity (ytd only) | 2.9608% | 4,578 |
| Net charge-offs to loans | 0.0346% | 5,663 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 65.3313% | 503 |
| Efficiency ratio | 72.8155% | 3,399 |
| Assets per employee ($millions) | 3.4944% | 5,011 |
| Cash dividends to net income (ytd only)* | 69.9736% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 5,969 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 4,382 |
| Noncurrent loans to loans | 2.1525% | 3,178 |
| Net loans and leases to total assets | 49.1668% | 5,812 |
| Net loans and leases to deposits | 56.0927% | 6,028 |
| Net loans and leases to core deposits | 58.7315% | 6,072 |
| Total domestic deposits to total assets | 87.6527% | 2,263 |
| Equity capital to assets | 12.0303% | 2,226 |
| Core capital (leverage) ratio | 11.6064% | 1,956 |
| Tier 1 risk-based capital ratio | 19.7837% | 1,740 |
| Total risk-based capital ratio | 20.6900% | 1,801 |
| Memoranda: | ||
| Average total assets | $45,516,500 | 6,549 |
| Average earning assets | $42,109,750 | 6,514 |
| Average equity | $5,178,750 | 6,446 |
| Average total loans | $23,133,250 | 6,570 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 3,818 |
| Cost of funding earning assets | 1.0583% | 3,550 |
| Net interest margin | 3.8013% | 3,779 |
| Noninterest income to average assets | 0.6850% | 2,630 |
| Noninterest expense to average assets | 3.1704% | 3,004 |
| Loan and lease loss provision to assets | 0.0263% | 5,974 |
| Net operating income to assets | 1.0056% | 2,205 |
| Return on assets (ROA) | 1.0056% | 2,302 |
| Pretax return on assets | 1.0056% | 3,215 |
| Return on Equity (ROE) | 9.0098% | 2,511 |
| Retained earnings to average equity (ytd only) | 3.2656% | 4,185 |
| Net charge-offs to loans | 0.0257% | 5,462 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 433 |
| Efficiency ratio | 75.4441% | 3,111 |
| Assets per employee ($millions) | 3.5945% | 4,702 |
| Cash dividends to net income (ytd only)* | 63.7555% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 6,198 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 4,543 |
| Noncurrent loans to loans | 2.0721% | 3,384 |
| Net loans and leases to total assets | 49.6726% | 5,866 |
| Net loans and leases to deposits | 56.1289% | 6,123 |
| Net loans and leases to core deposits | 59.4559% | 6,141 |
| Total domestic deposits to total assets | 88.4973% | 1,852 |
| Equity capital to assets | 11.2502% | 2,726 |
| Core capital (leverage) ratio | 11.4034% | 1,975 |
| Tier 1 risk-based capital ratio | 18.9461% | 1,866 |
| Total risk-based capital ratio | 19.8196% | 1,944 |
| Memoranda: | ||
| Average total assets | $45,546,330 | 6,609 |
| Average earning assets | $42,143,670 | 6,567 |
| Average equity | $5,083,330 | 6,506 |
| Average total loans | $23,318,330 | 6,623 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 4,466 |
| Cost of funding earning assets | 1.0846% | 3,625 |
| Net interest margin | 3.6281% | 4,442 |
| Noninterest income to average assets | 0.6851% | 2,655 |
| Noninterest expense to average assets | 3.1854% | 2,944 |
| Loan and lease loss provision to assets | 0.0267% | 5,630 |
| Net operating income to assets | 0.8364% | 2,847 |
| Return on assets (ROA) | 0.8364% | 2,907 |
| Pretax return on assets | 0.8364% | 3,759 |
| Return on Equity (ROE) | 7.5253% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.5253% | 1,926 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6813% | 2,736 |
| Assets per employee ($millions) | 3.5057% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 6,154 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2024% | 4,549 |
| Noncurrent loans to loans | 2.1420% | 3,390 |
| Net loans and leases to total assets | 49.2518% | 5,933 |
| Net loans and leases to deposits | 55.6600% | 6,161 |
| Net loans and leases to core deposits | 59.3652% | 6,153 |
| Total domestic deposits to total assets | 88.4869% | 2,086 |
| Equity capital to assets | 11.2542% | 2,456 |
| Core capital (leverage) ratio | 11.5926% | 1,797 |
| Tier 1 risk-based capital ratio | 19.6328% | 1,666 |
| Total risk-based capital ratio | 20.5359% | 1,704 |
| Memoranda: | ||
| Average total assets | $44,955,500 | 6,670 |
| Average earning assets | $41,674,500 | 6,626 |
| Average equity | $4,996,500 | 6,563 |
| Average total loans | $23,250,500 | 6,683 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 5,749 |
| Cost of funding earning assets | 1.3172% | 3,770 |
| Net interest margin | 3.3997% | 5,633 |
| Noninterest income to average assets | 0.8003% | 2,283 |
| Noninterest expense to average assets | 3.2081% | 3,056 |
| Loan and lease loss provision to assets | 0.0527% | 6,627 |
| Net operating income to assets | 0.6467% | 3,456 |
| Return on assets (ROA) | 0.7980% | 2,947 |
| Pretax return on assets | 0.7980% | 3,646 |
| Return on Equity (ROE) | 6.8267% | 3,199 |
| Retained earnings to average equity (ytd only) | 3.6880% | 3,279 |
| Net charge-offs to loans | 0.1091% | 5,783 |
| Credit loss provision to net charge-offs | 88.4615% | 5,187 |
| Earnings coverage of net charge-offs (x) | 11.7308% | 1,581 |
| Efficiency ratio | 82.1009% | 2,151 |
| Assets per employee ($millions) | 3.4105% | 5,148 |
| Cash dividends to net income (ytd only)* | 45.9770% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,351 |
| Loan loss allowance to noncurrent loans | 49.3827% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 4,550 |
| Noncurrent loans to loans | 2.0410% | 3,497 |
| Net loans and leases to total assets | 53.1655% | 5,759 |
| Net loans and leases to deposits | 59.7925% | 6,077 |
| Net loans and leases to core deposits | 64.7049% | 6,001 |
| Total domestic deposits to total assets | 88.9167% | 1,705 |
| Equity capital to assets | 10.9705% | 2,714 |
| Core capital (leverage) ratio | 11.3339% | 1,932 |
| Tier 1 risk-based capital ratio | 18.6467% | 1,804 |
| Total risk-based capital ratio | 19.5091% | 1,881 |
| Memoranda: | ||
| Average total assets | $43,607,800 | 6,749 |
| Average earning assets | $39,856,000 | 6,721 |
| Average equity | $5,097,600 | 6,638 |
| Average total loans | $23,828,800 | 6,739 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 6,331 |
| Cost of funding earning assets | 1.3574% | 3,852 |
| Net interest margin | 3.2436% | 6,195 |
| Noninterest income to average assets | 0.8259% | 2,096 |
| Noninterest expense to average assets | 3.1010% | 3,332 |
| Loan and lease loss provision to assets | 0.0706% | 6,355 |
| Net operating income to assets | 0.6110% | 3,830 |
| Return on assets (ROA) | 0.8198% | 3,063 |
| Pretax return on assets | 0.8198% | 3,828 |
| Return on Equity (ROE) | 6.9044% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.0599% | 3,616 |
| Net charge-offs to loans | 0.1007% | 5,518 |
| Credit loss provision to net charge-offs | 127.7778% | 3,184 |
| Earnings coverage of net charge-offs (x) | 12.3329% | 1,696 |
| Efficiency ratio | 81.9805% | 2,060 |
| Assets per employee ($millions) | 3.4506% | 5,097 |
| Cash dividends to net income (ytd only)* | 41.1978% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 6,278 |
| Loan loss allowance to noncurrent loans | 51.0288% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 4,627 |
| Noncurrent loans to loans | 2.0128% | 3,657 |
| Net loans and leases to total assets | 53.2725% | 5,950 |
| Net loans and leases to deposits | 62.0992% | 6,106 |
| Net loans and leases to core deposits | 65.2959% | 6,183 |
| Total domestic deposits to total assets | 85.7863% | 3,193 |
| Equity capital to assets | 11.6501% | 2,406 |
| Core capital (leverage) ratio | 11.5566% | 1,906 |
| Tier 1 risk-based capital ratio | 19.1340% | 1,722 |
| Total risk-based capital ratio | 20.0542% | 1,762 |
| Memoranda: | ||
| Average total assets | $43,425,500 | 6,839 |
| Average earning assets | $39,584,500 | 6,813 |
| Average equity | $5,156,000 | 6,699 |
| Average total loans | $23,833,000 | 6,830 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 6,609 |
| Cost of funding earning assets | 1.3939% | 3,913 |
| Net interest margin | 3.1490% | 6,466 |
| Noninterest income to average assets | 0.8056% | 2,085 |
| Noninterest expense to average assets | 2.8872% | 4,123 |
| Loan and lease loss provision to assets | 0.0885% | 6,039 |
| Net operating income to assets | 0.7125% | 3,350 |
| Return on assets (ROA) | 0.8662% | 2,806 |
| Pretax return on assets | 0.8662% | 3,640 |
| Return on Equity (ROE) | 7.2477% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.9097% | 2,956 |
| Net charge-offs to loans | 0.1096% | 5,066 |
| Credit loss provision to net charge-offs | 146.1538% | 2,707 |
| Earnings coverage of net charge-offs (x) | 13.2308% | 1,606 |
| Efficiency ratio | 78.2828% | 2,680 |
| Assets per employee ($millions) | 3.7438% | 4,363 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 6,107 |
| Loan loss allowance to noncurrent loans | 44.5438% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 4,634 |
| Noncurrent loans to loans | 2.3904% | 3,267 |
| Net loans and leases to total assets | 51.4980% | 6,267 |
| Net loans and leases to deposits | 58.3918% | 6,548 |
| Net loans and leases to core deposits | 61.5025% | 6,592 |
| Total domestic deposits to total assets | 88.1939% | 1,886 |
| Equity capital to assets | 11.5924% | 2,363 |
| Core capital (leverage) ratio | 11.5400% | 1,894 |
| Tier 1 risk-based capital ratio | 18.8631% | 1,750 |
| Total risk-based capital ratio | 19.7792% | 1,792 |
| Memoranda: | ||
| Average total assets | $42,948,000 | 6,897 |
| Average earning assets | $39,314,670 | 6,874 |
| Average equity | $5,132,670 | 6,739 |
| Average total loans | $23,729,000 | 6,880 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 6,415 |
| Cost of funding earning assets | 1.4113% | 4,106 |
| Net interest margin | 3.2377% | 6,173 |
| Noninterest income to average assets | 0.7817% | 2,111 |
| Noninterest expense to average assets | 2.9553% | 3,839 |
| Loan and lease loss provision to assets | 0.0953% | 5,678 |
| Net operating income to assets | 0.7055% | 3,418 |
| Return on assets (ROA) | 0.7055% | 3,526 |
| Pretax return on assets | 0.7055% | 4,212 |
| Return on Equity (ROE) | 5.8096% | 3,958 |
| Retained earnings to average equity (ytd only) | 2.6693% | 4,547 |
| Net charge-offs to loans | 0.0335% | 5,112 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 657 |
| Efficiency ratio | 78.6802% | 2,780 |
| Assets per employee ($millions) | 3.2919% | 5,559 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 6,205 |
| Loan loss allowance to noncurrent loans | 220.1754% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 6,804 |
| Noncurrent loans to loans | 0.4791% | 6,337 |
| Net loans and leases to total assets | 55.0181% | 5,890 |
| Net loans and leases to deposits | 62.6914% | 6,211 |
| Net loans and leases to core deposits | 66.2213% | 6,269 |
| Total domestic deposits to total assets | 87.7603% | 2,205 |
| Equity capital to assets | 12.0645% | 2,011 |
| Core capital (leverage) ratio | 11.8756% | 1,709 |
| Tier 1 risk-based capital ratio | 17.8685% | 1,980 |
| Total risk-based capital ratio | 18.7593% | 2,046 |
| Memoranda: | ||
| Average total assets | $41,959,000 | 7,019 |
| Average earning assets | $38,546,000 | 7,001 |
| Average equity | $5,095,000 | 6,820 |
| Average total loans | $23,901,000 | 6,952 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 4,761 |
| Cost of funding earning assets | 1.7028% | 4,490 |
| Net interest margin | 3.6831% | 4,206 |
| Noninterest income to average assets | 0.8783% | 2,034 |
| Noninterest expense to average assets | 3.4736% | 2,444 |
| Loan and lease loss provision to assets | 0.0645% | 6,926 |
| Net operating income to assets | 0.6997% | 2,935 |
| Return on assets (ROA) | 0.6848% | 3,058 |
| Pretax return on assets | 0.6848% | 3,625 |
| Return on Equity (ROE) | 5.5331% | 3,407 |
| Retained earnings to average equity (ytd only) | -0.2807% | 5,014 |
| Net charge-offs to loans | 0.1064% | 6,085 |
| Credit loss provision to net charge-offs | 96.2963% | 5,764 |
| Earnings coverage of net charge-offs (x) | 11.4074% | 1,590 |
| Efficiency ratio | 81.9672% | 2,603 |
| Assets per employee ($millions) | 3.1633% | 5,814 |
| Cash dividends to net income (ytd only)* | 105.0725% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 6,306 |
| Loan loss allowance to noncurrent loans | 528.2609% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 7,206 |
| Noncurrent loans to loans | 0.1916% | 6,943 |
| Net loans and leases to total assets | 57.7852% | 5,691 |
| Net loans and leases to deposits | 65.9022% | 6,058 |
| Net loans and leases to core deposits | 90.9171% | 5,027 |
| Total domestic deposits to total assets | 87.6833% | 2,130 |
| Equity capital to assets | 12.2243% | 1,898 |
| Core capital (leverage) ratio | 12.2866% | 1,535 |
| Tier 1 risk-based capital ratio | 18.4853% | 1,754 |
| Total risk-based capital ratio | 19.3835% | 1,813 |
| Memoranda: | ||
| Average total assets | $40,304,000 | 7,081 |
| Average earning assets | $36,762,800 | 7,068 |
| Average equity | $4,988,200 | 6,943 |
| Average total loans | $25,364,400 | 6,888 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 4,494 |
| Cost of funding earning assets | 1.7713% | 4,518 |
| Net interest margin | 3.7139% | 4,013 |
| Noninterest income to average assets | 0.8645% | 2,127 |
| Noninterest expense to average assets | 3.4347% | 2,462 |
| Loan and lease loss provision to assets | 0.0532% | 6,845 |
| Net operating income to assets | 0.7648% | 2,965 |
| Return on assets (ROA) | 0.7581% | 3,057 |
| Pretax return on assets | 0.7581% | 3,677 |
| Return on Equity (ROE) | 6.1061% | 3,487 |
| Retained earnings to average equity (ytd only) | 3.0262% | 3,638 |
| Net charge-offs to loans | 0.1452% | 5,241 |
| Credit loss provision to net charge-offs | 57.1429% | 6,213 |
| Earnings coverage of net charge-offs (x) | 8.7862% | 2,199 |
| Efficiency ratio | 80.7662% | 2,738 |
| Assets per employee ($millions) | 3.0382% | 6,067 |
| Cash dividends to net income (ytd only)* | 50.4392% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 6,667 |
| Loan loss allowance to noncurrent loans | 421.8182% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 7,198 |
| Noncurrent loans to loans | 0.2185% | 6,951 |
| Net loans and leases to total assets | 63.1558% | 5,045 |
| Net loans and leases to deposits | 72.9080% | 5,523 |
| Net loans and leases to core deposits | 103.7777% | 3,965 |
| Total domestic deposits to total assets | 86.6240% | 2,367 |
| Equity capital to assets | 13.0064% | 1,692 |
| Core capital (leverage) ratio | 13.0185% | 1,372 |
| Tier 1 risk-based capital ratio | 18.8543% | 1,780 |
| Total risk-based capital ratio | 19.7073% | 1,821 |
| Memoranda: | ||
| Average total assets | $40,099,250 | 7,141 |
| Average earning assets | $36,582,750 | 7,131 |
| Average equity | $4,978,500 | 7,005 |
| Average total loans | $25,704,000 | 6,931 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5372% | 4,400 |
| Cost of funding earning assets | 1.8457% | 4,536 |
| Net interest margin | 3.6914% | 3,986 |
| Noninterest income to average assets | 0.8734% | 2,087 |
| Noninterest expense to average assets | 3.4094% | 2,594 |
| Loan and lease loss provision to assets | 0.0298% | 6,948 |
| Net operating income to assets | 0.8089% | 2,822 |
| Return on assets (ROA) | 0.7990% | 2,957 |
| Pretax return on assets | 0.7990% | 3,679 |
| Return on Equity (ROE) | 6.5372% | 3,416 |
| Retained earnings to average equity (ytd only) | 4.5070% | 2,787 |
| Net charge-offs to loans | 0.2164% | 4,152 |
| Credit loss provision to net charge-offs | 21.4286% | 6,113 |
| Earnings coverage of net charge-offs (x) | 6.0357% | 2,699 |
| Efficiency ratio | 80.2570% | 3,002 |
| Assets per employee ($millions) | 3.0153% | 6,087 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,862 |
| Loan loss allowance to noncurrent loans | 965.2174% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 7,446 |
| Noncurrent loans to loans | 0.0909% | 7,297 |
| Net loans and leases to total assets | 63.9991% | 4,983 |
| Net loans and leases to deposits | 73.6596% | 5,506 |
| Net loans and leases to core deposits | 103.7897% | 4,087 |
| Total domestic deposits to total assets | 86.8849% | 2,314 |
| Equity capital to assets | 12.8064% | 1,785 |
| Core capital (leverage) ratio | 12.7901% | 1,512 |
| Tier 1 risk-based capital ratio | 18.5460% | 1,870 |
| Total risk-based capital ratio | 19.3494% | 1,933 |
| Memoranda: | ||
| Average total assets | $40,300,330 | 7,194 |
| Average earning assets | $36,842,000 | 7,181 |
| Average equity | $4,925,670 | 7,089 |
| Average total loans | $25,880,000 | 6,971 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4692% | 5,069 |
| Cost of funding earning assets | 1.8977% | 4,636 |
| Net interest margin | 3.5715% | 4,444 |
| Noninterest income to average assets | 0.8715% | 1,978 |
| Noninterest expense to average assets | 3.1823% | 3,064 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9694% | 2,442 |
| Return on assets (ROA) | 0.9498% | 2,643 |
| Pretax return on assets | 0.9498% | 3,535 |
| Return on Equity (ROE) | 7.9533% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.9533% | 1,831 |
| Net charge-offs to loans | 0.0459% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 987 |
| Efficiency ratio | 76.6509% | 3,378 |
| Assets per employee ($millions) | 2.9229% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,544 |
| Loan loss allowance to noncurrent loans | 3,012.5000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 7,572 |
| Noncurrent loans to loans | 0.0313% | 7,462 |
| Net loans and leases to total assets | 61.9721% | 5,330 |
| Net loans and leases to deposits | 72.7557% | 5,649 |
| Net loans and leases to core deposits | 101.2093% | 4,420 |
| Total domestic deposits to total assets | 85.1784% | 3,117 |
| Equity capital to assets | 12.1628% | 2,161 |
| Core capital (leverage) ratio | 12.5726% | 1,658 |
| Tier 1 risk-based capital ratio | 18.0719% | 2,035 |
| Total risk-based capital ratio | 18.9239% | 2,080 |
| Memoranda: | ||
| Average total assets | $40,851,000 | 7,210 |
| Average earning assets | $37,519,000 | 7,197 |
| Average equity | $4,878,500 | 7,159 |
| Average total loans | $26,165,500 | 6,997 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4076% | 3,378 |
| Cost of funding earning assets | 2.7149% | 3,091 |
| Net interest margin | 3.6926% | 4,503 |
| Noninterest income to average assets | 0.8934% | 1,983 |
| Noninterest expense to average assets | 3.2606% | 3,110 |
| Loan and lease loss provision to assets | 0.0241% | 7,098 |
| Net operating income to assets | 0.9921% | 2,592 |
| Return on assets (ROA) | 0.7561% | 3,476 |
| Pretax return on assets | 0.7561% | 4,228 |
| Return on Equity (ROE) | 6.5029% | 3,752 |
| Retained earnings to average equity (ytd only) | 3.2929% | 3,101 |
| Net charge-offs to loans | 0.0116% | 6,760 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 140.6667% | 322 |
| Efficiency ratio | 76.2387% | 3,198 |
| Assets per employee ($millions) | 2.9130% | 6,262 |
| Cash dividends to net income (ytd only)* | 49.3631% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,606 |
| Loan loss allowance to noncurrent loans | 2,711.1111% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 7,349 |
| Noncurrent loans to loans | 0.0337% | 7,372 |
| Net loans and leases to total assets | 64.9478% | 5,073 |
| Net loans and leases to deposits | 75.8114% | 5,607 |
| Net loans and leases to core deposits | 106.1476% | 4,179 |
| Total domestic deposits to total assets | 85.6701% | 2,551 |
| Equity capital to assets | 11.7209% | 2,487 |
| Core capital (leverage) ratio | 11.8161% | 2,072 |
| Tier 1 risk-based capital ratio | 17.0433% | 2,297 |
| Total risk-based capital ratio | 17.8726% | 2,375 |
| Memoranda: | ||
| Average total assets | $41,526,200 | 7,145 |
| Average earning assets | $38,048,800 | 7,134 |
| Average equity | $4,828,600 | 7,201 |
| Average total loans | $25,935,000 | 6,969 |