Home > The First National Bank of Dwight > Performance and Condition Ratios
The First National Bank of Dwight, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4693% | 5,541 |
| Cost of funding earning assets | 0.2270% | 4,853 |
| Net interest margin | 2.2423% | 5,489 |
| Noninterest income to average assets | 0.4224% | 3,297 |
| Noninterest expense to average assets | 2.2019% | 4,412 |
| Loan and lease loss provision to assets | 0.0240% | 3,210 |
| Net operating income to assets | 0.3595% | 4,997 |
| Return on assets (ROA) | 0.3595% | 5,004 |
| Pretax return on assets | 0.3565% | 5,090 |
| Return on Equity (ROE) | 3.7145% | 4,842 |
| Retained earnings to average equity (ytd only) | -5.4169% | 5,220 |
| Net charge-offs to loans | -0.0107% | 4,269 |
| Credit loss provision to net charge-offs | -800.0000% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1508% | 702 |
| Assets per employee ($millions) | 5.5945% | 1,851 |
| Cash dividends to net income (ytd only)* | 245.8333% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 26.8108% | 5,429 |
| Net loans and leases to deposits | 29.5985% | 5,455 |
| Net loans and leases to core deposits | 31.0095% | 5,448 |
| Total domestic deposits to total assets | 90.5815% | 448 |
| Equity capital to assets | 9.2860% | 4,277 |
| Core capital (leverage) ratio | 10.4622% | 2,994 |
| Tier 1 risk-based capital ratio | 30.8302% | 444 |
| Total risk-based capital ratio | 31.6824% | 452 |
| Memoranda: | ||
| Average total assets | $133,524,000 | 3,684 |
| Average earning assets | $128,617,500 | 3,607 |
| Average equity | $12,922,500 | 3,980 |
| Average total loans | $37,508,000 | 4,763 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4085% | 5,576 |
| Cost of funding earning assets | 0.2149% | 4,827 |
| Net interest margin | 2.1936% | 5,539 |
| Noninterest income to average assets | 0.4756% | 3,154 |
| Noninterest expense to average assets | 1.9952% | 4,967 |
| Loan and lease loss provision to assets | -0.0219% | 5,334 |
| Net operating income to assets | 0.6172% | 3,940 |
| Return on assets (ROA) | 0.6172% | 3,981 |
| Pretax return on assets | 0.6172% | 4,701 |
| Return on Equity (ROE) | 6.2761% | 3,639 |
| Retained earnings to average equity (ytd only) | 0.3413% | 4,888 |
| Net charge-offs to loans | -0.0481% | 5,173 |
| Credit loss provision to net charge-offs | 176.4706% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9079% | 1,496 |
| Assets per employee ($millions) | 5.5325% | 1,901 |
| Cash dividends to net income (ytd only)* | 94.5626% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 28.8166% | 5,452 |
| Net loans and leases to deposits | 32.8678% | 5,480 |
| Net loans and leases to core deposits | 34.6620% | 5,481 |
| Total domestic deposits to total assets | 87.6744% | 1,666 |
| Equity capital to assets | 10.0745% | 3,618 |
| Core capital (leverage) ratio | 10.4384% | 2,916 |
| Tier 1 risk-based capital ratio | 29.9863% | 463 |
| Total risk-based capital ratio | 30.7854% | 471 |
| Memoranda: | ||
| Average total assets | $137,080,000 | 3,649 |
| Average earning assets | $132,159,200 | 3,562 |
| Average equity | $13,479,800 | 3,916 |
| Average total loans | $35,325,200 | 4,861 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3806% | 5,647 |
| Cost of funding earning assets | 0.2122% | 4,873 |
| Net interest margin | 2.1684% | 5,610 |
| Noninterest income to average assets | 0.4410% | 3,393 |
| Noninterest expense to average assets | 1.9697% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5568% | 4,549 |
| Return on assets (ROA) | 0.5568% | 4,586 |
| Pretax return on assets | 0.5617% | 4,904 |
| Return on Equity (ROE) | 5.6963% | 4,247 |
| Retained earnings to average equity (ytd only) | 0.2666% | 5,156 |
| Net charge-offs to loans | -0.0193% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6973% | 1,367 |
| Assets per employee ($millions) | 5.6464% | 1,784 |
| Cash dividends to net income (ytd only)* | 95.3218% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 4,939 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 25.6062% | 5,576 |
| Net loans and leases to deposits | 28.6356% | 5,604 |
| Net loans and leases to core deposits | 30.7319% | 5,588 |
| Total domestic deposits to total assets | 89.4210% | 688 |
| Equity capital to assets | 10.3170% | 3,577 |
| Core capital (leverage) ratio | 10.1266% | 3,411 |
| Tier 1 risk-based capital ratio | 31.3218% | 432 |
| Total risk-based capital ratio | 32.1980% | 443 |
| Memoranda: | ||
| Average total assets | $138,154,750 | 3,673 |
| Average earning assets | $133,183,250 | 3,587 |
| Average equity | $13,505,500 | 3,952 |
| Average total loans | $34,497,500 | 4,932 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3524% | 5,696 |
| Cost of funding earning assets | 0.2118% | 4,870 |
| Net interest margin | 2.1406% | 5,663 |
| Noninterest income to average assets | 0.4114% | 3,618 |
| Noninterest expense to average assets | 1.9304% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5409% | 4,572 |
| Return on assets (ROA) | 0.5409% | 4,609 |
| Pretax return on assets | 0.5452% | 4,915 |
| Return on Equity (ROE) | 5.6342% | 4,211 |
| Retained earnings to average equity (ytd only) | -1.1089% | 5,250 |
| Net charge-offs to loans | -0.0233% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8617% | 1,482 |
| Assets per employee ($millions) | 5.7298% | 1,670 |
| Cash dividends to net income (ytd only)* | 119.6809% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 3,353 |
| Loan loss allowance to noncurrent loans | 549.2958% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 3,833 |
| Noncurrent loans to loans | 0.2080% | 4,287 |
| Net loans and leases to total assets | 24.5368% | 5,640 |
| Net loans and leases to deposits | 27.3709% | 5,661 |
| Net loans and leases to core deposits | 29.5278% | 5,649 |
| Total domestic deposits to total assets | 89.6456% | 665 |
| Equity capital to assets | 10.0868% | 3,813 |
| Core capital (leverage) ratio | 9.9042% | 3,651 |
| Tier 1 risk-based capital ratio | 31.5514% | 419 |
| Total risk-based capital ratio | 32.4382% | 423 |
| Memoranda: | ||
| Average total assets | $139,035,000 | 3,684 |
| Average earning assets | $134,074,000 | 3,592 |
| Average equity | $13,347,000 | 3,990 |
| Average total loans | $34,299,670 | 4,976 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3145% | 5,765 |
| Cost of funding earning assets | 0.2107% | 4,879 |
| Net interest margin | 2.1038% | 5,740 |
| Noninterest income to average assets | 0.4178% | 3,540 |
| Noninterest expense to average assets | 1.9200% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5236% | 4,499 |
| Return on assets (ROA) | 0.5236% | 4,534 |
| Pretax return on assets | 0.5265% | 4,909 |
| Return on Equity (ROE) | 5.5942% | 4,093 |
| Retained earnings to average equity (ytd only) | -5.1051% | 5,394 |
| Net charge-offs to loans | -0.0233% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3626% | 1,581 |
| Assets per employee ($millions) | 5.9315% | 1,557 |
| Cash dividends to net income (ytd only)* | 191.2568% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 3,224 |
| Loan loss allowance to noncurrent loans | 2,586.6667% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 4,118 |
| Noncurrent loans to loans | 0.0458% | 5,012 |
| Net loans and leases to total assets | 22.7235% | 5,715 |
| Net loans and leases to deposits | 25.0995% | 5,732 |
| Net loans and leases to core deposits | 26.9816% | 5,722 |
| Total domestic deposits to total assets | 90.5335% | 461 |
| Equity capital to assets | 9.2768% | 4,538 |
| Core capital (leverage) ratio | 9.6456% | 3,934 |
| Tier 1 risk-based capital ratio | 31.4951% | 432 |
| Total risk-based capital ratio | 32.3818% | 435 |
| Memoranda: | ||
| Average total assets | $139,794,500 | 3,695 |
| Average earning assets | $134,804,500 | 3,611 |
| Average equity | $13,085,000 | 4,046 |
| Average total loans | $34,383,500 | 5,019 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3385% | 5,799 |
| Cost of funding earning assets | 0.2102% | 4,922 |
| Net interest margin | 2.1283% | 5,779 |
| Noninterest income to average assets | 0.4115% | 3,797 |
| Noninterest expense to average assets | 1.9072% | 5,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5543% | 4,419 |
| Return on assets (ROA) | 0.5898% | 4,364 |
| Pretax return on assets | 0.5898% | 4,817 |
| Return on Equity (ROE) | 5.1151% | 4,369 |
| Retained earnings to average equity (ytd only) | -0.2169% | 5,339 |
| Net charge-offs to loans | -0.0085% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4828% | 1,775 |
| Assets per employee ($millions) | 7.2228% | 830 |
| Cash dividends to net income (ytd only)* | 104.2408% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,877 |
| Loan loss allowance to noncurrent loans | 201.0417% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 3,624 |
| Noncurrent loans to loans | 0.5329% | 3,257 |
| Net loans and leases to total assets | 25.9739% | 5,730 |
| Net loans and leases to deposits | 28.7189% | 5,752 |
| Net loans and leases to core deposits | 30.9572% | 5,744 |
| Total domestic deposits to total assets | 90.4419% | 466 |
| Equity capital to assets | 9.4466% | 4,331 |
| Core capital (leverage) ratio | 10.6184% | 2,756 |
| Tier 1 risk-based capital ratio | 30.4109% | 465 |
| Total risk-based capital ratio | 31.2523% | 478 |
| Memoranda: | ||
| Average total assets | $123,950,400 | 3,927 |
| Average earning assets | $119,393,400 | 3,837 |
| Average equity | $14,291,000 | 3,909 |
| Average total loans | $35,442,600 | 5,032 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3614% | 5,863 |
| Cost of funding earning assets | 0.2098% | 4,976 |
| Net interest margin | 2.1516% | 5,838 |
| Noninterest income to average assets | 0.3780% | 4,079 |
| Noninterest expense to average assets | 1.9320% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5162% | 4,639 |
| Return on assets (ROA) | 0.5239% | 4,703 |
| Pretax return on assets | 0.5283% | 5,063 |
| Return on Equity (ROE) | 4.3219% | 4,787 |
| Retained earnings to average equity (ytd only) | 1.5865% | 4,878 |
| Net charge-offs to loans | -0.0076% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7742% | 1,585 |
| Assets per employee ($millions) | 6.7307% | 989 |
| Cash dividends to net income (ytd only)* | 63.2916% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 3,688 |
| Loan loss allowance to noncurrent loans | 171.1111% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 3,555 |
| Noncurrent loans to loans | 0.6589% | 3,052 |
| Net loans and leases to total assets | 26.4015% | 5,789 |
| Net loans and leases to deposits | 29.9148% | 5,814 |
| Net loans and leases to core deposits | 32.4938% | 5,799 |
| Total domestic deposits to total assets | 88.2557% | 1,262 |
| Equity capital to assets | 11.6263% | 2,415 |
| Core capital (leverage) ratio | 11.9866% | 1,686 |
| Tier 1 risk-based capital ratio | 32.3465% | 400 |
| Total risk-based capital ratio | 33.2253% | 406 |
| Memoranda: | ||
| Average total assets | $120,629,500 | 4,002 |
| Average earning assets | $116,311,500 | 3,919 |
| Average equity | $14,622,750 | 3,895 |
| Average total loans | $35,295,500 | 5,083 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4299% | 5,921 |
| Cost of funding earning assets | 0.2163% | 4,979 |
| Net interest margin | 2.2136% | 5,897 |
| Noninterest income to average assets | 0.3807% | 4,019 |
| Noninterest expense to average assets | 1.9423% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5634% | 4,425 |
| Return on assets (ROA) | 0.5634% | 4,546 |
| Pretax return on assets | 0.5685% | 4,976 |
| Return on Equity (ROE) | 4.5802% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.8293% | 4,638 |
| Net charge-offs to loans | -0.0112% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3585% | 1,876 |
| Assets per employee ($millions) | 6.2627% | 1,219 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,591 |
| Loan loss allowance to noncurrent loans | 189.6552% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 3,563 |
| Noncurrent loans to loans | 0.6110% | 3,237 |
| Net loans and leases to total assets | 27.5993% | 5,835 |
| Net loans and leases to deposits | 31.6381% | 5,860 |
| Net loans and leases to core deposits | 32.7268% | 5,861 |
| Total domestic deposits to total assets | 87.2344% | 1,792 |
| Equity capital to assets | 12.5933% | 1,712 |
| Core capital (leverage) ratio | 12.0997% | 1,560 |
| Tier 1 risk-based capital ratio | 33.1566% | 377 |
| Total risk-based capital ratio | 34.0600% | 384 |
| Memoranda: | ||
| Average total assets | $118,211,670 | 4,084 |
| Average earning assets | $113,750,330 | 3,982 |
| Average equity | $14,541,000 | 3,923 |
| Average total loans | $35,678,000 | 5,118 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4331% | 5,987 |
| Cost of funding earning assets | 0.2222% | 4,974 |
| Net interest margin | 2.2109% | 5,959 |
| Noninterest income to average assets | 0.3836% | 3,960 |
| Noninterest expense to average assets | 1.8944% | 5,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6111% | 4,127 |
| Return on assets (ROA) | 0.6111% | 4,248 |
| Pretax return on assets | 0.6179% | 4,765 |
| Return on Equity (ROE) | 5.0283% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.2348% | 4,366 |
| Net charge-offs to loans | -0.0108% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4054% | 2,267 |
| Assets per employee ($millions) | 6.2083% | 1,266 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 4,140 |
| Loan loss allowance to noncurrent loans | 181.9905% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 3,579 |
| Noncurrent loans to loans | 0.5959% | 3,399 |
| Net loans and leases to total assets | 29.6922% | 5,830 |
| Net loans and leases to deposits | 34.0432% | 5,871 |
| Net loans and leases to core deposits | 35.1037% | 5,875 |
| Total domestic deposits to total assets | 87.2191% | 2,091 |
| Equity capital to assets | 12.4088% | 1,741 |
| Core capital (leverage) ratio | 11.9681% | 1,629 |
| Tier 1 risk-based capital ratio | 30.5489% | 481 |
| Total risk-based capital ratio | 31.3823% | 496 |
| Memoranda: | ||
| Average total assets | $117,821,500 | 4,122 |
| Average earning assets | $113,436,500 | 4,017 |
| Average equity | $14,319,000 | 3,968 |
| Average total loans | $36,904,000 | 5,118 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3608% | 6,037 |
| Cost of funding earning assets | 0.2039% | 5,252 |
| Net interest margin | 2.1569% | 6,002 |
| Noninterest income to average assets | 0.4919% | 3,381 |
| Noninterest expense to average assets | 1.9328% | 5,575 |
| Loan and lease loss provision to assets | -0.1272% | 5,894 |
| Net operating income to assets | 0.7634% | 3,510 |
| Return on assets (ROA) | 0.7777% | 3,508 |
| Pretax return on assets | 0.7819% | 4,254 |
| Return on Equity (ROE) | 6.4958% | 3,785 |
| Retained earnings to average equity (ytd only) | 0.0496% | 5,483 |
| Net charge-offs to loans | -0.4127% | 6,061 |
| Credit loss provision to net charge-offs | 98.6842% | 2,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1154% | 2,411 |
| Assets per employee ($millions) | 6.1940% | 1,260 |
| Cash dividends to net income (ytd only)* | 99.2366% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,637 |
| Loan loss allowance to noncurrent loans | 170.2222% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 3,539 |
| Noncurrent loans to loans | 0.5859% | 3,418 |
| Net loans and leases to total assets | 32.3038% | 5,829 |
| Net loans and leases to deposits | 36.8253% | 5,869 |
| Net loans and leases to core deposits | 37.9650% | 5,882 |
| Total domestic deposits to total assets | 87.7216% | 1,785 |
| Equity capital to assets | 11.8969% | 2,031 |
| Core capital (leverage) ratio | 11.8626% | 1,714 |
| Tier 1 risk-based capital ratio | 28.8191% | 560 |
| Total risk-based capital ratio | 29.6077% | 572 |
| Memoranda: | ||
| Average total assets | $117,912,400 | 4,097 |
| Average earning assets | $113,775,400 | 4,003 |
| Average equity | $14,116,800 | 3,951 |
| Average total loans | $36,829,600 | 5,128 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2847% | 6,147 |
| Cost of funding earning assets | 0.1991% | 5,382 |
| Net interest margin | 2.0856% | 6,104 |
| Noninterest income to average assets | 0.4476% | 3,732 |
| Noninterest expense to average assets | 1.9361% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5190% | 4,725 |
| Return on assets (ROA) | 0.5380% | 4,738 |
| Pretax return on assets | 0.5436% | 5,116 |
| Return on Equity (ROE) | 4.4865% | 4,841 |
| Retained earnings to average equity (ytd only) | 1.7531% | 5,001 |
| Net charge-offs to loans | -0.0659% | 5,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6863% | 1,860 |
| Assets per employee ($millions) | 5.9127% | 1,436 |
| Cash dividends to net income (ytd only)* | 60.9249% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 4,155 |
| Loan loss allowance to noncurrent loans | 98.5185% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 4,407 |
| Noncurrent loans to loans | 1.1292% | 2,248 |
| Net loans and leases to total assets | 29.9922% | 5,973 |
| Net loans and leases to deposits | 34.2289% | 6,014 |
| Net loans and leases to core deposits | 35.2863% | 6,026 |
| Total domestic deposits to total assets | 87.6224% | 1,735 |
| Equity capital to assets | 11.9683% | 2,133 |
| Core capital (leverage) ratio | 12.0924% | 1,625 |
| Tier 1 risk-based capital ratio | 30.6142% | 490 |
| Total risk-based capital ratio | 31.4760% | 503 |
| Memoranda: | ||
| Average total assets | $117,969,000 | 4,143 |
| Average earning assets | $113,857,750 | 4,046 |
| Average equity | $14,145,750 | 3,993 |
| Average total loans | $36,437,000 | 5,200 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2577% | 6,228 |
| Cost of funding earning assets | 0.2001% | 5,429 |
| Net interest margin | 2.0575% | 6,190 |
| Noninterest income to average assets | 0.4378% | 3,796 |
| Noninterest expense to average assets | 1.9224% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4990% | 4,771 |
| Return on assets (ROA) | 0.5141% | 4,814 |
| Pretax return on assets | 0.5192% | 5,180 |
| Return on Equity (ROE) | 4.2847% | 4,908 |
| Retained earnings to average equity (ytd only) | 1.5979% | 4,902 |
| Net charge-offs to loans | -0.0710% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2308% | 1,876 |
| Assets per employee ($millions) | 5.7172% | 1,553 |
| Cash dividends to net income (ytd only)* | 62.7063% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 4,073 |
| Loan loss allowance to noncurrent loans | 94.7115% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 4,438 |
| Noncurrent loans to loans | 1.2159% | 2,220 |
| Net loans and leases to total assets | 29.5768% | 6,050 |
| Net loans and leases to deposits | 33.9859% | 6,084 |
| Net loans and leases to core deposits | 34.9890% | 6,092 |
| Total domestic deposits to total assets | 87.0268% | 2,156 |
| Equity capital to assets | 12.3952% | 1,728 |
| Core capital (leverage) ratio | 12.2930% | 1,489 |
| Tier 1 risk-based capital ratio | 31.1344% | 488 |
| Total risk-based capital ratio | 32.0042% | 498 |
| Memoranda: | ||
| Average total assets | $117,874,000 | 4,188 |
| Average earning assets | $113,923,000 | 4,076 |
| Average equity | $14,143,330 | 4,022 |
| Average total loans | $36,627,330 | 5,236 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2353% | 6,297 |
| Cost of funding earning assets | 0.2001% | 5,511 |
| Net interest margin | 2.0353% | 6,262 |
| Noninterest income to average assets | 0.4246% | 3,810 |
| Noninterest expense to average assets | 1.9425% | 5,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4514% | 4,868 |
| Return on assets (ROA) | 0.4514% | 4,981 |
| Pretax return on assets | 0.4547% | 5,303 |
| Return on Equity (ROE) | 3.8221% | 5,054 |
| Retained earnings to average equity (ytd only) | 1.2740% | 4,973 |
| Net charge-offs to loans | -0.0952% | 5,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0321% | 1,757 |
| Assets per employee ($millions) | 5.8280% | 1,527 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 4,493 |
| Loan loss allowance to noncurrent loans | 45.6140% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 3,290 |
| Noncurrent loans to loans | 2.4218% | 1,008 |
| Net loans and leases to total assets | 29.9548% | 6,074 |
| Net loans and leases to deposits | 34.9405% | 6,097 |
| Net loans and leases to core deposits | 35.9667% | 6,103 |
| Total domestic deposits to total assets | 85.7308% | 3,075 |
| Equity capital to assets | 12.1767% | 1,910 |
| Core capital (leverage) ratio | 11.7343% | 1,826 |
| Tier 1 risk-based capital ratio | 29.8602% | 546 |
| Total risk-based capital ratio | 30.6900% | 561 |
| Memoranda: | ||
| Average total assets | $119,639,500 | 4,192 |
| Average earning assets | $115,956,000 | 4,063 |
| Average equity | $14,128,500 | 4,052 |
| Average total loans | $37,834,500 | 5,220 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2900% | 6,383 |
| Cost of funding earning assets | 0.2291% | 5,534 |
| Net interest margin | 2.0609% | 6,349 |
| Noninterest income to average assets | 0.4057% | 4,142 |
| Noninterest expense to average assets | 1.7390% | 6,128 |
| Loan and lease loss provision to assets | -0.1168% | 6,174 |
| Net operating income to assets | 0.7751% | 3,498 |
| Return on assets (ROA) | 0.7982% | 3,479 |
| Pretax return on assets | 0.8037% | 4,244 |
| Return on Equity (ROE) | 7.1961% | 3,519 |
| Retained earnings to average equity (ytd only) | 0.1755% | 5,699 |
| Net charge-offs to loans | -0.2025% | 6,266 |
| Credit loss provision to net charge-offs | 192.3077% | 1,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3825% | 3,140 |
| Assets per employee ($millions) | 6.1360% | 1,293 |
| Cash dividends to net income (ytd only)* | 97.5610% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 5,313 |
| Loan loss allowance to noncurrent loans | 40.5319% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 3,302 |
| Noncurrent loans to loans | 2.3288% | 1,117 |
| Net loans and leases to total assets | 32.5807% | 6,095 |
| Net loans and leases to deposits | 40.3526% | 6,026 |
| Net loans and leases to core deposits | 41.5477% | 6,060 |
| Total domestic deposits to total assets | 80.7399% | 4,810 |
| Equity capital to assets | 11.4602% | 2,467 |
| Core capital (leverage) ratio | 11.4057% | 2,055 |
| Tier 1 risk-based capital ratio | 27.1726% | 671 |
| Total risk-based capital ratio | 27.9127% | 693 |
| Memoranda: | ||
| Average total assets | $128,407,400 | 4,004 |
| Average earning assets | $124,411,200 | 3,874 |
| Average equity | $14,243,800 | 3,986 |
| Average total loans | $38,520,200 | 5,234 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2896% | 6,462 |
| Cost of funding earning assets | 0.2310% | 5,583 |
| Net interest margin | 2.0586% | 6,434 |
| Noninterest income to average assets | 0.3245% | 4,834 |
| Noninterest expense to average assets | 1.7633% | 6,138 |
| Loan and lease loss provision to assets | -0.1540% | 6,351 |
| Net operating income to assets | 0.7038% | 3,924 |
| Return on assets (ROA) | 0.7343% | 3,863 |
| Pretax return on assets | 0.7415% | 4,555 |
| Return on Equity (ROE) | 6.6718% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.8724% | 3,897 |
| Net charge-offs to loans | -0.2662% | 6,364 |
| Credit loss provision to net charge-offs | 197.3684% | 1,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0071% | 2,490 |
| Assets per employee ($millions) | 6.1897% | 1,209 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 4,912 |
| Loan loss allowance to noncurrent loans | 39.4792% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 3,493 |
| Noncurrent loans to loans | 2.6990% | 1,055 |
| Net loans and leases to total assets | 28.4263% | 6,310 |
| Net loans and leases to deposits | 33.3286% | 6,316 |
| Net loans and leases to core deposits | 34.2525% | 6,312 |
| Total domestic deposits to total assets | 85.2909% | 3,220 |
| Equity capital to assets | 11.6274% | 2,377 |
| Core capital (leverage) ratio | 11.4406% | 2,109 |
| Tier 1 risk-based capital ratio | 29.6525% | 546 |
| Total risk-based capital ratio | 30.4341% | 556 |
| Memoranda: | ||
| Average total assets | $129,829,250 | 4,011 |
| Average earning assets | $125,842,000 | 3,881 |
| Average equity | $14,288,750 | 4,000 |
| Average total loans | $38,059,250 | 5,298 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2956% | 6,531 |
| Cost of funding earning assets | 0.2382% | 5,601 |
| Net interest margin | 2.0574% | 6,503 |
| Noninterest income to average assets | 0.2458% | 5,440 |
| Noninterest expense to average assets | 1.7415% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4885% | 4,854 |
| Return on assets (ROA) | 0.4885% | 4,928 |
| Pretax return on assets | 0.4961% | 5,282 |
| Return on Equity (ROE) | 4.5181% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.7118% | 5,045 |
| Net charge-offs to loans | -0.5709% | 6,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8305% | 2,317 |
| Assets per employee ($millions) | 6.4590% | 1,036 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 2,516 |
| Loan loss allowance to noncurrent loans | 47.2362% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9243% | 3,240 |
| Noncurrent loans to loans | 3.3600% | 819 |
| Net loans and leases to total assets | 27.0723% | 6,394 |
| Net loans and leases to deposits | 31.4143% | 6,403 |
| Net loans and leases to core deposits | 32.2388% | 6,405 |
| Total domestic deposits to total assets | 86.1782% | 2,950 |
| Equity capital to assets | 11.0303% | 2,841 |
| Core capital (leverage) ratio | 10.8950% | 2,536 |
| Tier 1 risk-based capital ratio | 27.6397% | 662 |
| Total risk-based capital ratio | 28.7463% | 659 |
| Memoranda: | ||
| Average total assets | $131,841,000 | 3,998 |
| Average earning assets | $127,637,330 | 3,860 |
| Average equity | $14,253,670 | 3,996 |
| Average total loans | $38,889,330 | 5,317 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2950% | 6,602 |
| Cost of funding earning assets | 0.2419% | 5,664 |
| Net interest margin | 2.0531% | 6,577 |
| Noninterest income to average assets | 0.3995% | 4,191 |
| Noninterest expense to average assets | 1.7241% | 6,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6518% | 3,946 |
| Return on assets (ROA) | 0.6518% | 4,041 |
| Pretax return on assets | 0.6638% | 4,623 |
| Return on Equity (ROE) | 6.0887% | 3,971 |
| Retained earnings to average equity (ytd only) | 3.2828% | 4,150 |
| Net charge-offs to loans | -0.7297% | 6,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2013% | 3,451 |
| Assets per employee ($millions) | 6.5586% | 993 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 3,534 |
| Loan loss allowance to noncurrent loans | 36.7247% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 2,904 |
| Noncurrent loans to loans | 3.8487% | 716 |
| Net loans and leases to total assets | 28.0230% | 6,413 |
| Net loans and leases to deposits | 32.1694% | 6,431 |
| Net loans and leases to core deposits | 32.9908% | 6,435 |
| Total domestic deposits to total assets | 87.1107% | 2,741 |
| Equity capital to assets | 10.9346% | 2,780 |
| Core capital (leverage) ratio | 10.5639% | 2,854 |
| Tier 1 risk-based capital ratio | 26.4298% | 754 |
| Total risk-based capital ratio | 27.4190% | 764 |
| Memoranda: | ||
| Average total assets | $133,171,500 | 4,007 |
| Average earning assets | $128,977,000 | 3,862 |
| Average equity | $14,256,000 | 3,997 |
| Average total loans | $40,566,000 | 5,295 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4244% | 6,639 |
| Cost of funding earning assets | 0.2963% | 5,630 |
| Net interest margin | 2.1281% | 6,608 |
| Noninterest income to average assets | 0.6294% | 2,920 |
| Noninterest expense to average assets | 1.8153% | 6,296 |
| Loan and lease loss provision to assets | -0.1628% | 6,559 |
| Net operating income to assets | 1.0189% | 2,253 |
| Return on assets (ROA) | 1.0413% | 2,220 |
| Pretax return on assets | 1.0551% | 3,136 |
| Return on Equity (ROE) | 9.7024% | 2,232 |
| Retained earnings to average equity (ytd only) | 0.2790% | 5,722 |
| Net charge-offs to loans | -0.5510% | 6,730 |
| Credit loss provision to net charge-offs | 96.9565% | 2,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6095% | 4,267 |
| Assets per employee ($millions) | 6.7586% | 867 |
| Cash dividends to net income (ytd only)* | 97.1248% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 5,403 |
| Loan loss allowance to noncurrent loans | 31.5021% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 3,109 |
| Noncurrent loans to loans | 3.2796% | 1,007 |
| Net loans and leases to total assets | 32.1028% | 6,374 |
| Net loans and leases to deposits | 38.5533% | 6,346 |
| Net loans and leases to core deposits | 39.5526% | 6,378 |
| Total domestic deposits to total assets | 83.2687% | 4,440 |
| Equity capital to assets | 10.4822% | 3,188 |
| Core capital (leverage) ratio | 10.6179% | 2,764 |
| Tier 1 risk-based capital ratio | 23.5792% | 1,008 |
| Total risk-based capital ratio | 24.3440% | 1,061 |
| Memoranda: | ||
| Average total assets | $136,948,600 | 3,937 |
| Average earning assets | $132,279,200 | 3,793 |
| Average equity | $14,697,400 | 3,920 |
| Average total loans | $41,742,200 | 5,273 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4467% | 6,713 |
| Cost of funding earning assets | 0.3056% | 5,683 |
| Net interest margin | 2.1411% | 6,681 |
| Noninterest income to average assets | 0.5706% | 3,326 |
| Noninterest expense to average assets | 1.8293% | 6,302 |
| Loan and lease loss provision to assets | -0.1407% | 6,666 |
| Net operating income to assets | 0.9342% | 2,664 |
| Return on assets (ROA) | 0.9636% | 2,625 |
| Pretax return on assets | 0.9792% | 3,590 |
| Return on Equity (ROE) | 8.9279% | 2,673 |
| Retained earnings to average equity (ytd only) | 7.1298% | 1,815 |
| Net charge-offs to loans | -0.5176% | 6,782 |
| Credit loss provision to net charge-offs | 90.6250% | 2,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3525% | 3,859 |
| Assets per employee ($millions) | 6.2211% | 1,103 |
| Cash dividends to net income (ytd only)* | 20.1409% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 5,156 |
| Loan loss allowance to noncurrent loans | 25.5827% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 1.4620% | 2,750 |
| Noncurrent loans to loans | 4.4605% | 731 |
| Net loans and leases to total assets | 30.5701% | 6,513 |
| Net loans and leases to deposits | 36.0510% | 6,507 |
| Net loans and leases to core deposits | 36.6626% | 6,544 |
| Total domestic deposits to total assets | 84.7969% | 3,839 |
| Equity capital to assets | 11.1785% | 2,587 |
| Core capital (leverage) ratio | 11.0876% | 2,393 |
| Tier 1 risk-based capital ratio | 26.0442% | 782 |
| Total risk-based capital ratio | 26.8600% | 805 |
| Memoranda: | ||
| Average total assets | $137,392,750 | 3,968 |
| Average earning assets | $132,636,000 | 3,825 |
| Average equity | $14,829,500 | 3,948 |
| Average total loans | $41,216,000 | 5,347 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4266% | 6,756 |
| Cost of funding earning assets | 0.3128% | 5,734 |
| Net interest margin | 2.1138% | 6,730 |
| Noninterest income to average assets | 0.5571% | 3,456 |
| Noninterest expense to average assets | 1.8075% | 6,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7810% | 3,398 |
| Return on assets (ROA) | 0.8250% | 3,329 |
| Pretax return on assets | 0.8364% | 4,171 |
| Return on Equity (ROE) | 7.7291% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.3873% | 2,209 |
| Net charge-offs to loans | -0.2217% | 6,692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5317% | 3,920 |
| Assets per employee ($millions) | 6.4489% | 929 |
| Cash dividends to net income (ytd only)* | 17.3611% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,749 |
| Loan loss allowance to noncurrent loans | 28.0023% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 3,037 |
| Noncurrent loans to loans | 4.4517% | 787 |
| Net loans and leases to total assets | 28.7801% | 6,613 |
| Net loans and leases to deposits | 33.9108% | 6,614 |
| Net loans and leases to core deposits | 34.4640% | 6,636 |
| Total domestic deposits to total assets | 84.8701% | 3,956 |
| Equity capital to assets | 10.8907% | 2,861 |
| Core capital (leverage) ratio | 10.2958% | 3,102 |
| Tier 1 risk-based capital ratio | 25.5727% | 811 |
| Total risk-based capital ratio | 26.4465% | 837 |
| Memoranda: | ||
| Average total assets | $139,642,330 | 3,955 |
| Average earning assets | $134,922,670 | 3,805 |
| Average equity | $14,904,670 | 3,959 |
| Average total loans | $41,488,330 | 5,356 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4552% | 6,829 |
| Cost of funding earning assets | 0.3211% | 5,800 |
| Net interest margin | 2.1341% | 6,797 |
| Noninterest income to average assets | 0.5277% | 3,588 |
| Noninterest expense to average assets | 1.7496% | 6,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8287% | 3,008 |
| Return on assets (ROA) | 0.9228% | 2,699 |
| Pretax return on assets | 0.9369% | 3,628 |
| Return on Equity (ROE) | 8.7302% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.7302% | 1,475 |
| Net charge-offs to loans | -0.4330% | 6,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5381% | 4,401 |
| Assets per employee ($millions) | 6.6575% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 4,934 |
| Loan loss allowance to noncurrent loans | 33.3559% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 1.0808% | 3,770 |
| Noncurrent loans to loans | 3.7518% | 1,241 |
| Net loans and leases to total assets | 26.5058% | 6,714 |
| Net loans and leases to deposits | 31.1743% | 6,713 |
| Net loans and leases to core deposits | 31.6426% | 6,732 |
| Total domestic deposits to total assets | 85.0245% | 4,026 |
| Equity capital to assets | 10.2809% | 3,822 |
| Core capital (leverage) ratio | 9.8779% | 3,560 |
| Tier 1 risk-based capital ratio | 21.8057% | 1,372 |
| Total risk-based capital ratio | 22.5585% | 1,441 |
| Memoranda: | ||
| Average total assets | $141,750,000 | 3,953 |
| Average earning assets | $137,014,000 | 3,813 |
| Average equity | $14,982,500 | 4,002 |
| Average total loans | $42,498,500 | 5,354 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9824% | 6,781 |
| Cost of funding earning assets | 0.4450% | 5,621 |
| Net interest margin | 2.5374% | 6,688 |
| Noninterest income to average assets | 0.6379% | 3,063 |
| Noninterest expense to average assets | 1.8255% | 6,592 |
| Loan and lease loss provision to assets | 1.2909% | 270 |
| Net operating income to assets | -0.0314% | 6,217 |
| Return on assets (ROA) | 0.0105% | 6,287 |
| Pretax return on assets | 0.0097% | 6,269 |
| Return on Equity (ROE) | 0.0927% | 6,289 |
| Retained earnings to average equity (ytd only) | -3.1792% | 6,274 |
| Net charge-offs to loans | 3.4536% | 113 |
| Credit loss provision to net charge-offs | 103.3573% | 2,900 |
| Earnings coverage of net charge-offs (x) | 1.0078% | 4,970 |
| Efficiency ratio | 59.1891% | 5,667 |
| Assets per employee ($millions) | 6.2288% | 1,147 |
| Cash dividends to net income (ytd only)* | 3,528.5714% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 6,043 |
| Loan loss allowance to noncurrent loans | 38.1849% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 4,174 |
| Noncurrent loans to loans | 2.5567% | 2,065 |
| Net loans and leases to total assets | 33.0115% | 6,590 |
| Net loans and leases to deposits | 40.1493% | 6,543 |
| Net loans and leases to core deposits | 40.9307% | 6,584 |
| Total domestic deposits to total assets | 82.2219% | 5,025 |
| Equity capital to assets | 10.8783% | 3,092 |
| Core capital (leverage) ratio | 10.5018% | 2,767 |
| Tier 1 risk-based capital ratio | 19.9390% | 1,698 |
| Total risk-based capital ratio | 20.5777% | 1,836 |
| Memoranda: | ||
| Average total assets | $133,555,000 | 4,072 |
| Average earning assets | $128,753,800 | 3,930 |
| Average equity | $15,098,200 | 3,944 |
| Average total loans | $48,297,800 | 5,165 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0866% | 6,856 |
| Cost of funding earning assets | 0.4670% | 5,665 |
| Net interest margin | 2.6196% | 6,741 |
| Noninterest income to average assets | 0.5698% | 3,472 |
| Noninterest expense to average assets | 1.9122% | 6,505 |
| Loan and lease loss provision to assets | 1.3797% | 246 |
| Net operating income to assets | -0.1990% | 6,499 |
| Return on assets (ROA) | -0.1427% | 6,528 |
| Pretax return on assets | -0.1407% | 6,508 |
| Return on Equity (ROE) | -1.2500% | 6,521 |
| Retained earnings to average equity (ytd only) | -5.5899% | 6,652 |
| Net charge-offs to loans | 2.7237% | 219 |
| Credit loss provision to net charge-offs | 137.3000% | 2,100 |
| Earnings coverage of net charge-offs (x) | 1.1770% | 4,710 |
| Efficiency ratio | 61.7857% | 5,190 |
| Assets per employee ($millions) | 5.9494% | 1,281 |
| Cash dividends to net income (ytd only)* | -347.1822% | 7,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 3,203 |
| Loan loss allowance to noncurrent loans | 38.9087% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 1.6495% | 3,107 |
| Noncurrent loans to loans | 4.3260% | 1,123 |
| Net loans and leases to total assets | 34.0507% | 6,652 |
| Net loans and leases to deposits | 41.0595% | 6,640 |
| Net loans and leases to core deposits | 41.7702% | 6,676 |
| Total domestic deposits to total assets | 82.9303% | 4,666 |
| Equity capital to assets | 11.3862% | 2,864 |
| Core capital (leverage) ratio | 10.4985% | 2,910 |
| Tier 1 risk-based capital ratio | 19.8770% | 1,794 |
| Total risk-based capital ratio | 20.9785% | 1,797 |
| Memoranda: | ||
| Average total assets | $132,685,250 | 4,119 |
| Average earning assets | $127,905,750 | 3,981 |
| Average equity | $15,146,000 | 3,965 |
| Average total loans | $48,951,500 | 5,203 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1456% | 6,911 |
| Cost of funding earning assets | 0.4774% | 5,779 |
| Net interest margin | 2.6682% | 6,748 |
| Noninterest income to average assets | 0.5582% | 3,534 |
| Noninterest expense to average assets | 1.9972% | 6,439 |
| Loan and lease loss provision to assets | 1.7887% | 184 |
| Net operating income to assets | -0.6452% | 6,797 |
| Return on assets (ROA) | -0.6392% | 6,825 |
| Pretax return on assets | -0.6467% | 6,795 |
| Return on Equity (ROE) | -5.5953% | 6,791 |
| Retained earnings to average equity (ytd only) | -12.0707% | 6,890 |
| Net charge-offs to loans | 3.9914% | 110 |
| Credit loss provision to net charge-offs | 119.0809% | 2,309 |
| Earnings coverage of net charge-offs (x) | 0.7562% | 4,675 |
| Efficiency ratio | 63.7452% | 4,939 |
| Assets per employee ($millions) | 6.0240% | 1,213 |
| Cash dividends to net income (ytd only)* | -115.7277% | 7,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 5,119 |
| Loan loss allowance to noncurrent loans | 18.4094% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 2.4493% | 2,278 |
| Noncurrent loans to loans | 6.7953% | 588 |
| Net loans and leases to total assets | 34.6065% | 6,690 |
| Net loans and leases to deposits | 41.7738% | 6,663 |
| Net loans and leases to core deposits | 42.8847% | 6,700 |
| Total domestic deposits to total assets | 82.8427% | 4,808 |
| Equity capital to assets | 11.0400% | 3,073 |
| Core capital (leverage) ratio | 9.9809% | 3,444 |
| Tier 1 risk-based capital ratio | 18.6965% | 2,073 |
| Total risk-based capital ratio | 19.5022% | 2,179 |
| Memoranda: | ||
| Average total assets | $133,284,670 | 4,135 |
| Average earning assets | $128,624,670 | 3,986 |
| Average equity | $15,227,000 | 3,939 |
| Average total loans | $50,158,330 | 5,194 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2564% | 6,919 |
| Cost of funding earning assets | 0.4940% | 5,854 |
| Net interest margin | 2.7623% | 6,691 |
| Noninterest income to average assets | 0.5656% | 3,456 |
| Noninterest expense to average assets | 1.9332% | 6,579 |
| Loan and lease loss provision to assets | 0.5985% | 961 |
| Net operating income to assets | 0.6763% | 3,999 |
| Return on assets (ROA) | 0.6763% | 4,212 |
| Pretax return on assets | 0.6943% | 4,813 |
| Return on Equity (ROE) | 5.8229% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.2979% | 4,589 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9258% | 5,625 |
| Assets per employee ($millions) | 6.2588% | 1,111 |
| Cash dividends to net income (ytd only)* | 43.3628% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 5,396 |
| Loan loss allowance to noncurrent loans | 15.2969% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 2.8011% | 2,090 |
| Noncurrent loans to loans | 7.9802% | 487 |
| Net loans and leases to total assets | 34.6725% | 6,704 |
| Net loans and leases to deposits | 41.4809% | 6,681 |
| Net loans and leases to core deposits | 42.5296% | 6,719 |
| Total domestic deposits to total assets | 83.5868% | 4,680 |
| Equity capital to assets | 11.2387% | 2,683 |
| Core capital (leverage) ratio | 10.8050% | 2,437 |
| Tier 1 risk-based capital ratio | 19.0553% | 1,972 |
| Total risk-based capital ratio | 19.8290% | 2,086 |
| Memoranda: | ||
| Average total assets | $133,663,500 | 4,150 |
| Average earning assets | $128,732,500 | 4,011 |
| Average equity | $15,525,000 | 3,885 |
| Average total loans | $52,015,500 | 5,146 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 6,842 |
| Cost of funding earning assets | 0.6534% | 5,805 |
| Net interest margin | 3.0516% | 6,449 |
| Noninterest income to average assets | 0.5485% | 3,520 |
| Noninterest expense to average assets | 1.8286% | 6,922 |
| Loan and lease loss provision to assets | 0.5754% | 1,803 |
| Net operating income to assets | 1.0582% | 1,970 |
| Return on assets (ROA) | 1.0582% | 2,113 |
| Pretax return on assets | 1.0764% | 2,924 |
| Return on Equity (ROE) | 8.5420% | 2,657 |
| Retained earnings to average equity (ytd only) | 0.9086% | 5,438 |
| Net charge-offs to loans | 0.8760% | 1,983 |
| Credit loss provision to net charge-offs | 150.6224% | 1,871 |
| Earnings coverage of net charge-offs (x) | 4.3237% | 3,164 |
| Efficiency ratio | 52.5393% | 6,660 |
| Assets per employee ($millions) | 5.8924% | 1,311 |
| Cash dividends to net income (ytd only)* | 89.3633% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 6,905 |
| Loan loss allowance to noncurrent loans | 10.9705% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 2.7424% | 2,215 |
| Noncurrent loans to loans | 6.3825% | 749 |
| Net loans and leases to total assets | 42.6658% | 6,325 |
| Net loans and leases to deposits | 52.4460% | 6,171 |
| Net loans and leases to core deposits | 53.3742% | 6,346 |
| Total domestic deposits to total assets | 81.3520% | 5,345 |
| Equity capital to assets | 12.0147% | 2,116 |
| Core capital (leverage) ratio | 11.6050% | 1,821 |
| Tier 1 risk-based capital ratio | 18.1695% | 2,140 |
| Total risk-based capital ratio | 18.6615% | 2,382 |
| Memoranda: | ||
| Average total assets | $126,162,600 | 4,247 |
| Average earning assets | $121,214,200 | 4,108 |
| Average equity | $15,628,600 | 3,785 |
| Average total loans | $55,025,400 | 5,076 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 6,884 |
| Cost of funding earning assets | 0.6794% | 5,883 |
| Net interest margin | 3.0760% | 6,438 |
| Noninterest income to average assets | 0.5033% | 3,849 |
| Noninterest expense to average assets | 1.8622% | 6,902 |
| Loan and lease loss provision to assets | 0.6066% | 1,621 |
| Net operating income to assets | 0.9694% | 2,436 |
| Return on assets (ROA) | 0.9694% | 2,605 |
| Pretax return on assets | 0.9928% | 3,428 |
| Return on Equity (ROE) | 7.7652% | 3,152 |
| Retained earnings to average equity (ytd only) | 2.6509% | 4,769 |
| Net charge-offs to loans | 0.0340% | 5,675 |
| Credit loss provision to net charge-offs | 4,071.4286% | 78 |
| Earnings coverage of net charge-offs (x) | 107.3353% | 339 |
| Efficiency ratio | 53.7965% | 6,511 |
| Assets per employee ($millions) | 4.9897% | 2,200 |
| Cash dividends to net income (ytd only)* | 65.8615% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,782 |
| Loan loss allowance to noncurrent loans | 49.2286% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 4,501 |
| Noncurrent loans to loans | 2.7395% | 2,555 |
| Net loans and leases to total assets | 41.1658% | 6,546 |
| Net loans and leases to deposits | 49.4301% | 6,532 |
| Net loans and leases to core deposits | 49.8297% | 6,677 |
| Total domestic deposits to total assets | 83.2807% | 4,567 |
| Equity capital to assets | 12.7519% | 1,756 |
| Core capital (leverage) ratio | 11.7537% | 1,853 |
| Tier 1 risk-based capital ratio | 18.7977% | 1,994 |
| Total risk-based capital ratio | 19.7033% | 2,069 |
| Memoranda: | ||
| Average total assets | $125,295,000 | 4,291 |
| Average earning assets | $120,500,000 | 4,142 |
| Average equity | $15,642,000 | 3,797 |
| Average total loans | $54,857,000 | 5,124 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 6,932 |
| Cost of funding earning assets | 0.7188% | 5,842 |
| Net interest margin | 3.0692% | 6,467 |
| Noninterest income to average assets | 0.5419% | 3,539 |
| Noninterest expense to average assets | 1.8728% | 6,982 |
| Loan and lease loss provision to assets | 0.1913% | 4,009 |
| Net operating income to assets | 1.4074% | 1,065 |
| Return on assets (ROA) | 1.4074% | 1,125 |
| Pretax return on assets | 1.4313% | 1,720 |
| Return on Equity (ROE) | 11.3542% | 1,685 |
| Retained earnings to average equity (ytd only) | 6.2108% | 2,291 |
| Net charge-offs to loans | 0.0538% | 5,113 |
| Credit loss provision to net charge-offs | 800.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 67.8667% | 488 |
| Efficiency ratio | 53.5796% | 6,661 |
| Assets per employee ($millions) | 4.9913% | 2,136 |
| Cash dividends to net income (ytd only)* | 45.3001% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4845% | 7,241 |
| Loan loss allowance to noncurrent loans | 17.6017% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 1.2109% | 4,470 |
| Noncurrent loans to loans | 2.7527% | 2,647 |
| Net loans and leases to total assets | 41.3133% | 6,642 |
| Net loans and leases to deposits | 49.6557% | 6,628 |
| Net loans and leases to core deposits | 50.0563% | 6,753 |
| Total domestic deposits to total assets | 83.1996% | 4,670 |
| Equity capital to assets | 12.7726% | 1,635 |
| Core capital (leverage) ratio | 11.7939% | 1,725 |
| Tier 1 risk-based capital ratio | 19.2951% | 1,758 |
| Total risk-based capital ratio | 19.6236% | 2,001 |
| Memoranda: | ||
| Average total assets | $125,479,330 | 4,315 |
| Average earning assets | $120,749,670 | 4,173 |
| Average equity | $15,553,670 | 3,808 |
| Average total loans | $55,791,670 | 5,135 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 6,876 |
| Cost of funding earning assets | 0.7599% | 5,803 |
| Net interest margin | 3.0991% | 6,352 |
| Noninterest income to average assets | 0.5055% | 3,839 |
| Noninterest expense to average assets | 1.8629% | 7,054 |
| Loan and lease loss provision to assets | 0.1431% | 4,220 |
| Net operating income to assets | 1.4591% | 966 |
| Return on assets (ROA) | 1.4591% | 1,002 |
| Pretax return on assets | 1.4814% | 1,501 |
| Return on Equity (ROE) | 11.9520% | 1,475 |
| Retained earnings to average equity (ytd only) | 6.7441% | 2,265 |
| Net charge-offs to loans | 0.0138% | 4,888 |
| Credit loss provision to net charge-offs | 2,250.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 255.5000% | 121 |
| Efficiency ratio | 53.4184% | 6,749 |
| Assets per employee ($millions) | 5.1313% | 1,988 |
| Cash dividends to net income (ytd only)* | 43.5730% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3366% | 7,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 43.6215% | 6,500 |
| Net loans and leases to deposits | 52.9975% | 6,391 |
| Net loans and leases to core deposits | 55.3091% | 6,465 |
| Total domestic deposits to total assets | 82.3086% | 5,187 |
| Equity capital to assets | 12.0944% | 1,863 |
| Core capital (leverage) ratio | 11.4388% | 1,883 |
| Tier 1 risk-based capital ratio | 18.1226% | 2,081 |
| Total risk-based capital ratio | 18.3585% | 2,409 |
| Memoranda: | ||
| Average total assets | $125,827,500 | 4,337 |
| Average earning assets | $121,067,000 | 4,198 |
| Average equity | $15,361,500 | 3,835 |
| Average total loans | $57,786,000 | 5,098 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 7,034 |
| Cost of funding earning assets | 1.0015% | 5,678 |
| Net interest margin | 3.1091% | 6,503 |
| Noninterest income to average assets | 0.5034% | 4,140 |
| Noninterest expense to average assets | 2.0015% | 7,020 |
| Loan and lease loss provision to assets | 0.0526% | 6,630 |
| Net operating income to assets | 1.4194% | 907 |
| Return on assets (ROA) | 1.4819% | 857 |
| Pretax return on assets | 1.4997% | 1,374 |
| Return on Equity (ROE) | 12.3912% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.6337% | 1,106 |
| Net charge-offs to loans | 0.1198% | 5,687 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 28.3077% | 768 |
| Efficiency ratio | 57.3383% | 6,414 |
| Assets per employee ($millions) | 4.9349% | 2,236 |
| Cash dividends to net income (ytd only)* | 38.3943% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2457% | 7,509 |
| Loan loss allowance to noncurrent loans | 7,300.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 7,142 |
| Noncurrent loans to loans | 0.0034% | 7,164 |
| Net loans and leases to total assets | 48.0482% | 6,387 |
| Net loans and leases to deposits | 60.3179% | 6,022 |
| Net loans and leases to core deposits | 63.1517% | 6,135 |
| Total domestic deposits to total assets | 79.6583% | 5,923 |
| Equity capital to assets | 12.3269% | 1,727 |
| Core capital (leverage) ratio | 11.4782% | 1,845 |
| Tier 1 risk-based capital ratio | 17.4453% | 2,194 |
| Total risk-based capital ratio | 17.6240% | 2,539 |
| Memoranda: | ||
| Average total assets | $123,559,000 | 4,413 |
| Average earning assets | $118,716,800 | 4,257 |
| Average equity | $14,776,600 | 3,978 |
| Average total loans | $54,234,800 | 5,308 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 7,188 |
| Cost of funding earning assets | 1.0584% | 5,660 |
| Net interest margin | 3.0550% | 6,719 |
| Noninterest income to average assets | 0.4466% | 4,589 |
| Noninterest expense to average assets | 1.9556% | 7,124 |
| Loan and lease loss provision to assets | 0.1510% | 5,531 |
| Net operating income to assets | 1.2566% | 1,452 |
| Return on assets (ROA) | 1.2566% | 1,529 |
| Pretax return on assets | 1.2761% | 2,244 |
| Return on Equity (ROE) | 10.5891% | 1,911 |
| Retained earnings to average equity (ytd only) | 9.3166% | 960 |
| Net charge-offs to loans | 0.1637% | 5,012 |
| Credit loss provision to net charge-offs | 215.3846% | 1,622 |
| Earnings coverage of net charge-offs (x) | 20.3550% | 1,172 |
| Efficiency ratio | 57.8125% | 6,297 |
| Assets per employee ($millions) | 5.0868% | 2,073 |
| Cash dividends to net income (ytd only)* | 12.0171% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4285% | 7,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 7,089 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 40.3782% | 7,055 |
| Net loans and leases to deposits | 50.0385% | 7,009 |
| Net loans and leases to core deposits | 52.2838% | 7,038 |
| Total domestic deposits to total assets | 80.6943% | 5,479 |
| Equity capital to assets | 12.1798% | 2,040 |
| Core capital (leverage) ratio | 11.4151% | 1,998 |
| Tier 1 risk-based capital ratio | 18.2316% | 1,954 |
| Total risk-based capital ratio | 18.5160% | 2,217 |
| Memoranda: | ||
| Average total assets | $123,605,750 | 4,466 |
| Average earning assets | $118,796,250 | 4,313 |
| Average equity | $14,668,750 | 4,061 |
| Average total loans | $52,937,500 | 5,442 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 7,179 |
| Cost of funding earning assets | 1.1323% | 5,502 |
| Net interest margin | 3.0604% | 6,700 |
| Noninterest income to average assets | 0.3807% | 5,079 |
| Noninterest expense to average assets | 2.0046% | 7,102 |
| Loan and lease loss provision to assets | 0.1961% | 4,910 |
| Net operating income to assets | 1.1044% | 1,842 |
| Return on assets (ROA) | 1.1044% | 1,911 |
| Pretax return on assets | 1.1208% | 2,708 |
| Return on Equity (ROE) | 9.3919% | 2,319 |
| Retained earnings to average equity (ytd only) | 7.4469% | 1,655 |
| Net charge-offs to loans | 0.1648% | 4,626 |
| Credit loss provision to net charge-offs | 272.7273% | 1,371 |
| Earnings coverage of net charge-offs (x) | 18.3182% | 1,294 |
| Efficiency ratio | 60.3542% | 5,988 |
| Assets per employee ($millions) | 5.2567% | 1,859 |
| Cash dividends to net income (ytd only)* | 20.7101% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4172% | 7,590 |
| Loan loss allowance to noncurrent loans | 165.6716% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 7,109 |
| Noncurrent loans to loans | 0.2518% | 6,728 |
| Net loans and leases to total assets | 43.8253% | 6,933 |
| Net loans and leases to deposits | 52.9542% | 6,927 |
| Net loans and leases to core deposits | 55.3910% | 6,974 |
| Total domestic deposits to total assets | 82.7608% | 4,662 |
| Equity capital to assets | 12.2228% | 1,965 |
| Core capital (leverage) ratio | 11.2082% | 2,098 |
| Tier 1 risk-based capital ratio | 18.1295% | 1,931 |
| Total risk-based capital ratio | 18.4238% | 2,172 |
| Memoranda: | ||
| Average total assets | $122,417,670 | 4,519 |
| Average earning assets | $117,633,000 | 4,377 |
| Average equity | $14,395,330 | 4,117 |
| Average total loans | $53,393,330 | 5,450 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 7,231 |
| Cost of funding earning assets | 1.1860% | 5,479 |
| Net interest margin | 3.0377% | 6,746 |
| Noninterest income to average assets | 0.5651% | 3,523 |
| Noninterest expense to average assets | 2.1141% | 6,896 |
| Loan and lease loss provision to assets | 0.1948% | 4,552 |
| Net operating income to assets | 1.1593% | 1,651 |
| Return on assets (ROA) | 1.1593% | 1,727 |
| Pretax return on assets | 1.1756% | 2,455 |
| Return on Equity (ROE) | 10.0535% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.1110% | 2,571 |
| Net charge-offs to loans | 0.1870% | 3,803 |
| Credit loss provision to net charge-offs | 240.0000% | 1,600 |
| Earnings coverage of net charge-offs (x) | 16.8800% | 1,316 |
| Efficiency ratio | 60.6710% | 6,062 |
| Assets per employee ($millions) | 4.8730% | 2,405 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3442% | 7,724 |
| Loan loss allowance to noncurrent loans | 67.0370% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 6,719 |
| Noncurrent loans to loans | 0.5134% | 6,265 |
| Net loans and leases to total assets | 43.0212% | 7,061 |
| Net loans and leases to deposits | 51.8875% | 7,052 |
| Net loans and leases to core deposits | 54.8318% | 7,062 |
| Total domestic deposits to total assets | 82.9125% | 4,669 |
| Equity capital to assets | 11.7495% | 2,200 |
| Core capital (leverage) ratio | 10.7857% | 2,377 |
| Tier 1 risk-based capital ratio | 17.4440% | 2,096 |
| Total risk-based capital ratio | 17.6805% | 2,434 |
| Memoranda: | ||
| Average total assets | $123,174,000 | 4,559 |
| Average earning assets | $118,380,500 | 4,415 |
| Average equity | $14,204,000 | 4,197 |
| Average total loans | $53,485,500 | 5,518 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7979% | 6,957 |
| Cost of funding earning assets | 1.3929% | 5,960 |
| Net interest margin | 3.4050% | 5,342 |
| Noninterest income to average assets | 0.5991% | 3,640 |
| Noninterest expense to average assets | 2.0758% | 7,236 |
| Loan and lease loss provision to assets | 0.1264% | 6,374 |
| Net operating income to assets | 1.6320% | 505 |
| Return on assets (ROA) | 1.6233% | 553 |
| Pretax return on assets | 1.6587% | 853 |
| Return on Equity (ROE) | 13.6381% | 845 |
| Retained earnings to average equity (ytd only) | 0.1188% | 4,832 |
| Net charge-offs to loans | 0.2655% | 4,959 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 14.1958% | 1,386 |
| Efficiency ratio | 53.6424% | 7,265 |
| Assets per employee ($millions) | 4.9809% | 2,244 |
| Cash dividends to net income (ytd only)* | 99.1290% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2685% | 7,840 |
| Loan loss allowance to noncurrent loans | 48.6667% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 6,636 |
| Noncurrent loans to loans | 0.5517% | 6,136 |
| Net loans and leases to total assets | 43.5529% | 7,145 |
| Net loans and leases to deposits | 55.1956% | 6,970 |
| Net loans and leases to core deposits | 66.8660% | 6,937 |
| Total domestic deposits to total assets | 78.9065% | 6,002 |
| Equity capital to assets | 11.3185% | 2,453 |
| Core capital (leverage) ratio | 10.9599% | 2,248 |
| Tier 1 risk-based capital ratio | 16.8049% | 2,204 |
| Total risk-based capital ratio | 16.9917% | 2,565 |
| Memoranda: | ||
| Average total assets | $113,161,200 | 4,755 |
| Average earning assets | $108,693,800 | 4,606 |
| Average equity | $13,469,600 | 4,392 |
| Average total loans | $53,854,800 | 5,513 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 6,777 |
| Cost of funding earning assets | 1.4290% | 6,126 |
| Net interest margin | 3.5170% | 4,796 |
| Noninterest income to average assets | 0.5680% | 3,941 |
| Noninterest expense to average assets | 2.1839% | 7,018 |
| Loan and lease loss provision to assets | 0.1982% | 5,405 |
| Net operating income to assets | 1.5310% | 758 |
| Return on assets (ROA) | 1.5192% | 834 |
| Pretax return on assets | 1.5530% | 1,273 |
| Return on Equity (ROE) | 12.5884% | 1,208 |
| Retained earnings to average equity (ytd only) | -2.2333% | 5,765 |
| Net charge-offs to loans | 0.3450% | 3,916 |
| Credit loss provision to net charge-offs | 117.9856% | 4,306 |
| Earnings coverage of net charge-offs (x) | 10.4963% | 1,957 |
| Efficiency ratio | 55.3276% | 7,087 |
| Assets per employee ($millions) | 4.6042% | 2,693 |
| Cash dividends to net income (ytd only)* | 117.7403% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3263% | 7,891 |
| Loan loss allowance to noncurrent loans | 56.8106% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 6,428 |
| Noncurrent loans to loans | 0.5744% | 6,169 |
| Net loans and leases to total assets | 45.3746% | 7,150 |
| Net loans and leases to deposits | 54.4643% | 7,179 |
| Net loans and leases to core deposits | 65.5077% | 7,183 |
| Total domestic deposits to total assets | 83.3107% | 4,060 |
| Equity capital to assets | 11.9700% | 2,255 |
| Core capital (leverage) ratio | 11.3126% | 2,180 |
| Tier 1 risk-based capital ratio | 16.8976% | 2,310 |
| Total risk-based capital ratio | 17.1217% | 2,609 |
| Memoranda: | ||
| Average total assets | $110,321,000 | 4,848 |
| Average earning assets | $105,995,750 | 4,711 |
| Average equity | $13,313,500 | 4,455 |
| Average total loans | $53,723,750 | 5,565 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 6,633 |
| Cost of funding earning assets | 1.4428% | 6,340 |
| Net interest margin | 3.6040% | 4,342 |
| Noninterest income to average assets | 0.5426% | 4,091 |
| Noninterest expense to average assets | 2.1927% | 7,074 |
| Loan and lease loss provision to assets | 0.1895% | 5,144 |
| Net operating income to assets | 1.5871% | 698 |
| Return on assets (ROA) | 1.5691% | 787 |
| Pretax return on assets | 1.6022% | 1,198 |
| Return on Equity (ROE) | 12.9648% | 1,187 |
| Retained earnings to average equity (ytd only) | -9.5298% | 6,823 |
| Net charge-offs to loans | 0.5132% | 2,787 |
| Credit loss provision to net charge-offs | 74.1007% | 5,335 |
| Earnings coverage of net charge-offs (x) | 7.0791% | 2,497 |
| Efficiency ratio | 54.7794% | 7,248 |
| Assets per employee ($millions) | 4.4621% | 2,822 |
| Cash dividends to net income (ytd only)* | 173.5053% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2044% | 8,064 |
| Loan loss allowance to noncurrent loans | 36.3036% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 6,403 |
| Noncurrent loans to loans | 0.5629% | 6,140 |
| Net loans and leases to total assets | 48.1538% | 7,020 |
| Net loans and leases to deposits | 57.5955% | 7,053 |
| Net loans and leases to core deposits | 68.1238% | 7,113 |
| Total domestic deposits to total assets | 83.6069% | 3,964 |
| Equity capital to assets | 11.7245% | 2,372 |
| Core capital (leverage) ratio | 11.3726% | 2,149 |
| Tier 1 risk-based capital ratio | 17.0187% | 2,297 |
| Total risk-based capital ratio | 17.1686% | 2,599 |
| Memoranda: | ||
| Average total assets | $108,726,670 | 4,919 |
| Average earning assets | $104,383,670 | 4,778 |
| Average equity | $13,158,670 | 4,505 |
| Average total loans | $54,165,330 | 5,595 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1022% | 6,638 |
| Cost of funding earning assets | 1.4838% | 6,455 |
| Net interest margin | 3.6184% | 4,246 |
| Noninterest income to average assets | 0.4510% | 4,758 |
| Noninterest expense to average assets | 2.0911% | 7,138 |
| Loan and lease loss provision to assets | 0.1640% | 4,832 |
| Net operating income to assets | 1.6505% | 712 |
| Return on assets (ROA) | 1.6140% | 839 |
| Pretax return on assets | 1.6401% | 1,315 |
| Return on Equity (ROE) | 13.1227% | 1,359 |
| Retained earnings to average equity (ytd only) | -25.6696% | 7,780 |
| Net charge-offs to loans | 1.0233% | 1,316 |
| Credit loss provision to net charge-offs | 31.6547% | 4,930 |
| Earnings coverage of net charge-offs (x) | 3.5540% | 3,143 |
| Efficiency ratio | 53.1754% | 7,301 |
| Assets per employee ($millions) | 4.2942% | 3,088 |
| Cash dividends to net income (ytd only)* | 295.6120% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0985% | 8,154 |
| Loan loss allowance to noncurrent loans | 10.7595% | 7,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 6,172 |
| Noncurrent loans to loans | 0.9155% | 5,171 |
| Net loans and leases to total assets | 48.1780% | 7,010 |
| Net loans and leases to deposits | 58.7270% | 6,991 |
| Net loans and leases to core deposits | 67.3586% | 7,173 |
| Total domestic deposits to total assets | 82.0373% | 4,534 |
| Equity capital to assets | 11.9453% | 2,295 |
| Core capital (leverage) ratio | 11.5054% | 2,144 |
| Tier 1 risk-based capital ratio | 17.9666% | 2,064 |
| Total risk-based capital ratio | 18.0412% | 2,338 |
| Memoranda: | ||
| Average total assets | $107,313,500 | 4,973 |
| Average earning assets | $103,250,000 | 4,827 |
| Average equity | $13,198,500 | 4,536 |
| Average total loans | $54,334,500 | 5,613 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6254% | 6,998 |
| Cost of funding earning assets | 1.9504% | 6,566 |
| Net interest margin | 3.6751% | 4,580 |
| Noninterest income to average assets | 0.7995% | 2,516 |
| Noninterest expense to average assets | 2.5194% | 5,936 |
| Loan and lease loss provision to assets | 0.0067% | 7,281 |
| Net operating income to assets | 1.7495% | 609 |
| Return on assets (ROA) | 1.7616% | 570 |
| Pretax return on assets | 1.8006% | 942 |
| Return on Equity (ROE) | 13.6614% | 1,171 |
| Retained earnings to average equity (ytd only) | 1.0100% | 4,622 |
| Net charge-offs to loans | 0.0136% | 6,708 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 269.7143% | 186 |
| Efficiency ratio | 58.3958% | 6,626 |
| Assets per employee ($millions) | 4.2908% | 2,969 |
| Cash dividends to net income (ytd only)* | 92.6066% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2566% | 8,119 |
| Loan loss allowance to noncurrent loans | 47.4026% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 6,122 |
| Noncurrent loans to loans | 0.5413% | 5,738 |
| Net loans and leases to total assets | 52.9034% | 6,760 |
| Net loans and leases to deposits | 67.0986% | 6,547 |
| Net loans and leases to core deposits | 76.6064% | 6,829 |
| Total domestic deposits to total assets | 78.8442% | 5,434 |
| Equity capital to assets | 12.6530% | 1,942 |
| Core capital (leverage) ratio | 12.5500% | 1,730 |
| Tier 1 risk-based capital ratio | 18.9543% | 1,821 |
| Total risk-based capital ratio | 19.1653% | 2,004 |
| Memoranda: | ||
| Average total assets | $105,185,600 | 4,896 |
| Average earning assets | $100,596,800 | 4,792 |
| Average equity | $13,563,800 | 4,432 |
| Average total loans | $51,387,600 | 5,648 |