Home > The First National Bank of Emory > Performance and Condition Ratios
The First National Bank of Emory, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0344% | 5,616 |
| Cost of funding earning assets | 0.2509% | 4,649 |
| Net interest margin | 2.7835% | 5,451 |
| Noninterest income to average assets | 0.6781% | 2,242 |
| Noninterest expense to average assets | 3.2983% | 1,597 |
| Loan and lease loss provision to assets | 0.0111% | 3,876 |
| Net operating income to assets | -0.0074% | 5,771 |
| Return on assets (ROA) | 2.7292% | 107 |
| Pretax return on assets | 2.7292% | 156 |
| Return on Equity (ROE) | 21.2050% | 184 |
| Retained earnings to average equity (ytd only) | 20.9179% | 53 |
| Net charge-offs to loans | 0.1275% | 1,567 |
| Credit loss provision to net charge-offs | 25.0000% | 2,897 |
| Earnings coverage of net charge-offs (x) | 0.0833% | 3,555 |
| Efficiency ratio | 99.8881% | 246 |
| Assets per employee ($millions) | 4.6948% | 2,729 |
| Cash dividends to net income (ytd only)* | 1.3541% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 896 |
| Loan loss allowance to noncurrent loans | 1,511.7647% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,362 |
| Noncurrent loans to loans | 0.1256% | 4,935 |
| Net loans and leases to total assets | 38.5680% | 5,489 |
| Net loans and leases to deposits | 45.1818% | 5,523 |
| Net loans and leases to core deposits | 50.2156% | 5,422 |
| Total domestic deposits to total assets | 85.3619% | 2,706 |
| Equity capital to assets | 13.4434% | 1,262 |
| Core capital (leverage) ratio | 12.9925% | 1,148 |
| Tier 1 risk-based capital ratio | 41.7552% | 207 |
| Total risk-based capital ratio | 43.0187% | 205 |
| Memoranda: | ||
| Average total assets | $108,238,000 | 4,259 |
| Average earning assets | $102,029,000 | 4,224 |
| Average equity | $13,930,670 | 4,003 |
| Average total loans | $37,635,670 | 5,053 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1118% | 5,593 |
| Cost of funding earning assets | 0.2491% | 4,717 |
| Net interest margin | 2.8627% | 5,376 |
| Noninterest income to average assets | 0.6395% | 2,322 |
| Noninterest expense to average assets | 2.3845% | 4,413 |
| Loan and lease loss provision to assets | 0.0145% | 3,503 |
| Net operating income to assets | 0.9394% | 2,566 |
| Return on assets (ROA) | 0.9394% | 2,674 |
| Pretax return on assets | 0.9394% | 3,695 |
| Return on Equity (ROE) | 7.4533% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.4533% | 1,686 |
| Net charge-offs to loans | 0.2213% | 919 |
| Credit loss provision to net charge-offs | 20.0000% | 2,294 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,749 |
| Efficiency ratio | 71.4286% | 2,882 |
| Assets per employee ($millions) | 5.2663% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 709 |
| Loan loss allowance to noncurrent loans | 618.4000% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,122 |
| Noncurrent loans to loans | 0.3370% | 4,230 |
| Net loans and leases to total assets | 32.8402% | 5,763 |
| Net loans and leases to deposits | 39.0611% | 5,742 |
| Net loans and leases to core deposits | 43.3753% | 5,679 |
| Total domestic deposits to total assets | 84.0740% | 3,487 |
| Equity capital to assets | 12.7829% | 1,517 |
| Core capital (leverage) ratio | 11.6888% | 1,833 |
| Tier 1 risk-based capital ratio | 32.2066% | 423 |
| Total risk-based capital ratio | 33.4662% | 417 |
| Memoranda: | ||
| Average total assets | $110,714,500 | 4,252 |
| Average earning assets | $104,378,000 | 4,203 |
| Average equity | $13,953,500 | 4,008 |
| Average total loans | $36,150,500 | 5,140 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0375% | 5,700 |
| Cost of funding earning assets | 0.3517% | 3,684 |
| Net interest margin | 2.6858% | 5,665 |
| Noninterest income to average assets | 0.6992% | 2,203 |
| Noninterest expense to average assets | 2.3354% | 4,691 |
| Loan and lease loss provision to assets | 0.0124% | 4,156 |
| Net operating income to assets | 0.8855% | 2,952 |
| Return on assets (ROA) | 0.8900% | 3,007 |
| Pretax return on assets | 0.8900% | 3,878 |
| Return on Equity (ROE) | 7.2569% | 3,382 |
| Retained earnings to average equity (ytd only) | 3.2196% | 3,765 |
| Net charge-offs to loans | 0.0608% | 3,008 |
| Credit loss provision to net charge-offs | 66.6667% | 3,173 |
| Earnings coverage of net charge-offs (x) | 48.1905% | 1,030 |
| Efficiency ratio | 72.2283% | 2,867 |
| Assets per employee ($millions) | 5.0380% | 2,325 |
| Cash dividends to net income (ytd only)* | 55.6331% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2409% | 557 |
| Loan loss allowance to noncurrent loans | 323.3607% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 4,707 |
| Noncurrent loans to loans | 0.6930% | 3,115 |
| Net loans and leases to total assets | 31.0549% | 5,862 |
| Net loans and leases to deposits | 36.7680% | 5,870 |
| Net loans and leases to core deposits | 40.6045% | 5,800 |
| Total domestic deposits to total assets | 84.4617% | 3,303 |
| Equity capital to assets | 12.4238% | 1,658 |
| Core capital (leverage) ratio | 11.1751% | 2,242 |
| Tier 1 risk-based capital ratio | 32.9199% | 399 |
| Total risk-based capital ratio | 34.1813% | 388 |
| Memoranda: | ||
| Average total assets | $112,698,800 | 4,202 |
| Average earning assets | $106,337,400 | 4,133 |
| Average equity | $13,821,400 | 4,008 |
| Average total loans | $34,515,000 | 5,207 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0531% | 5,763 |
| Cost of funding earning assets | 0.3584% | 3,664 |
| Net interest margin | 2.6947% | 5,729 |
| Noninterest income to average assets | 0.6916% | 2,272 |
| Noninterest expense to average assets | 2.2645% | 4,875 |
| Loan and lease loss provision to assets | 0.0059% | 4,148 |
| Net operating income to assets | 0.9638% | 2,649 |
| Return on assets (ROA) | 0.9697% | 2,707 |
| Pretax return on assets | 0.9697% | 3,743 |
| Return on Equity (ROE) | 7.9318% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.4210% | 1,491 |
| Net charge-offs to loans | 0.0388% | 3,111 |
| Credit loss provision to net charge-offs | 50.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 82.3188% | 727 |
| Efficiency ratio | 70.0182% | 3,210 |
| Assets per employee ($millions) | 4.8706% | 2,456 |
| Cash dividends to net income (ytd only)* | 6.4394% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3245% | 554 |
| Loan loss allowance to noncurrent loans | 2,028.2051% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,649 |
| Noncurrent loans to loans | 0.1146% | 5,173 |
| Net loans and leases to total assets | 29.6704% | 5,983 |
| Net loans and leases to deposits | 36.0718% | 5,979 |
| Net loans and leases to core deposits | 40.1294% | 5,914 |
| Total domestic deposits to total assets | 82.2538% | 4,083 |
| Equity capital to assets | 12.6678% | 1,640 |
| Core capital (leverage) ratio | 11.6385% | 1,928 |
| Tier 1 risk-based capital ratio | 34.4615% | 363 |
| Total risk-based capital ratio | 35.7212% | 361 |
| Memoranda: | ||
| Average total assets | $113,164,500 | 4,241 |
| Average earning assets | $106,773,250 | 4,163 |
| Average equity | $13,834,250 | 4,052 |
| Average total loans | $34,341,500 | 5,270 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0893% | 5,755 |
| Cost of funding earning assets | 0.3694% | 3,605 |
| Net interest margin | 2.7199% | 5,741 |
| Noninterest income to average assets | 0.6781% | 2,307 |
| Noninterest expense to average assets | 2.2828% | 4,883 |
| Loan and lease loss provision to assets | 0.0088% | 3,937 |
| Net operating income to assets | 0.9547% | 2,609 |
| Return on assets (ROA) | 0.9547% | 2,724 |
| Pretax return on assets | 0.9547% | 3,753 |
| Return on Equity (ROE) | 7.9036% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.5973% | 1,427 |
| Net charge-offs to loans | 0.0348% | 2,973 |
| Credit loss provision to net charge-offs | 83.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 91.1667% | 640 |
| Efficiency ratio | 70.3201% | 3,280 |
| Assets per employee ($millions) | 4.6784% | 2,706 |
| Cash dividends to net income (ytd only)* | 3.8745% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3212% | 621 |
| Loan loss allowance to noncurrent loans | 685.3448% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 5,456 |
| Noncurrent loans to loans | 0.3387% | 4,474 |
| Net loans and leases to total assets | 29.7958% | 6,043 |
| Net loans and leases to deposits | 36.3792% | 6,021 |
| Net loans and leases to core deposits | 40.4764% | 5,942 |
| Total domestic deposits to total assets | 81.9034% | 4,321 |
| Equity capital to assets | 12.1721% | 1,897 |
| Core capital (leverage) ratio | 11.4185% | 2,057 |
| Tier 1 risk-based capital ratio | 32.8730% | 430 |
| Total risk-based capital ratio | 34.1329% | 423 |
| Memoranda: | ||
| Average total assets | $113,544,670 | 4,264 |
| Average earning assets | $107,209,670 | 4,198 |
| Average equity | $13,715,330 | 4,095 |
| Average total loans | $34,445,670 | 5,312 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0700% | 5,820 |
| Cost of funding earning assets | 0.3625% | 3,722 |
| Net interest margin | 2.7075% | 5,791 |
| Noninterest income to average assets | 0.6481% | 2,411 |
| Noninterest expense to average assets | 2.3157% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8969% | 2,754 |
| Return on assets (ROA) | 0.8969% | 2,882 |
| Pretax return on assets | 0.8969% | 3,908 |
| Return on Equity (ROE) | 7.4530% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.4530% | 1,787 |
| Net charge-offs to loans | 0.0232% | 2,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 408 |
| Efficiency ratio | 72.0829% | 3,158 |
| Assets per employee ($millions) | 4.9935% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2783% | 725 |
| Loan loss allowance to noncurrent loans | 2,409.0909% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,824 |
| Noncurrent loans to loans | 0.0946% | 5,415 |
| Net loans and leases to total assets | 29.6898% | 6,084 |
| Net loans and leases to deposits | 36.1525% | 6,054 |
| Net loans and leases to core deposits | 39.8795% | 5,979 |
| Total domestic deposits to total assets | 82.1238% | 4,476 |
| Equity capital to assets | 12.1497% | 1,925 |
| Core capital (leverage) ratio | 10.8968% | 2,521 |
| Tier 1 risk-based capital ratio | 32.7069% | 435 |
| Total risk-based capital ratio | 33.9580% | 434 |
| Memoranda: | ||
| Average total assets | $114,176,500 | 4,285 |
| Average earning assets | $108,143,000 | 4,214 |
| Average equity | $13,739,500 | 4,121 |
| Average total loans | $34,543,500 | 5,344 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1822% | 5,855 |
| Cost of funding earning assets | 0.4008% | 3,679 |
| Net interest margin | 2.7815% | 5,838 |
| Noninterest income to average assets | 0.7190% | 2,215 |
| Noninterest expense to average assets | 2.3924% | 4,863 |
| Loan and lease loss provision to assets | 0.0144% | 4,323 |
| Net operating income to assets | 0.9320% | 2,716 |
| Return on assets (ROA) | 0.9320% | 2,804 |
| Pretax return on assets | 0.9320% | 3,774 |
| Return on Equity (ROE) | 7.6642% | 3,293 |
| Retained earnings to average equity (ytd only) | 0.4656% | 5,566 |
| Net charge-offs to loans | 0.5254% | 777 |
| Credit loss provision to net charge-offs | 8.7432% | 4,114 |
| Earnings coverage of net charge-offs (x) | 5.7541% | 3,362 |
| Efficiency ratio | 71.6555% | 3,265 |
| Assets per employee ($millions) | 4.9349% | 2,405 |
| Cash dividends to net income (ytd only)* | 93.9248% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3280% | 695 |
| Loan loss allowance to noncurrent loans | 4,189.4737% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,983 |
| Noncurrent loans to loans | 0.0556% | 5,657 |
| Net loans and leases to total assets | 29.4242% | 6,193 |
| Net loans and leases to deposits | 35.7508% | 6,179 |
| Net loans and leases to core deposits | 39.4731% | 6,110 |
| Total domestic deposits to total assets | 82.3034% | 4,311 |
| Equity capital to assets | 11.9161% | 2,073 |
| Core capital (leverage) ratio | 10.6433% | 2,783 |
| Tier 1 risk-based capital ratio | 32.6162% | 408 |
| Total risk-based capital ratio | 33.8771% | 401 |
| Memoranda: | ||
| Average total assets | $111,270,200 | 4,361 |
| Average earning assets | $104,800,400 | 4,293 |
| Average equity | $13,530,400 | 4,098 |
| Average total loans | $34,830,800 | 5,369 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1985% | 5,902 |
| Cost of funding earning assets | 0.4083% | 3,698 |
| Net interest margin | 2.7902% | 5,884 |
| Noninterest income to average assets | 0.7202% | 2,227 |
| Noninterest expense to average assets | 2.4291% | 4,733 |
| Loan and lease loss provision to assets | 0.0108% | 4,201 |
| Net operating income to assets | 0.9056% | 2,889 |
| Return on assets (ROA) | 0.9056% | 2,982 |
| Pretax return on assets | 0.9056% | 3,957 |
| Return on Equity (ROE) | 7.4095% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.2421% | 1,695 |
| Net charge-offs to loans | 0.4534% | 864 |
| Credit loss provision to net charge-offs | 7.5630% | 3,737 |
| Earnings coverage of net charge-offs (x) | 6.3951% | 3,090 |
| Efficiency ratio | 72.6062% | 3,076 |
| Assets per employee ($millions) | 5.0490% | 2,183 |
| Cash dividends to net income (ytd only)* | 2.2610% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5308% | 623 |
| Loan loss allowance to noncurrent loans | 141.2252% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 4,241 |
| Noncurrent loans to loans | 1.7920% | 1,810 |
| Net loans and leases to total assets | 29.5753% | 6,266 |
| Net loans and leases to deposits | 36.5038% | 6,229 |
| Net loans and leases to core deposits | 40.9167% | 6,156 |
| Total domestic deposits to total assets | 81.0198% | 4,818 |
| Equity capital to assets | 12.7972% | 1,524 |
| Core capital (leverage) ratio | 11.5669% | 2,007 |
| Tier 1 risk-based capital ratio | 34.4753% | 374 |
| Total risk-based capital ratio | 35.7345% | 366 |
| Memoranda: | ||
| Average total assets | $110,712,250 | 4,406 |
| Average earning assets | $104,171,750 | 4,346 |
| Average equity | $13,531,750 | 4,122 |
| Average total loans | $34,990,250 | 5,416 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 5,929 |
| Cost of funding earning assets | 0.4181% | 3,684 |
| Net interest margin | 2.7976% | 5,915 |
| Noninterest income to average assets | 0.7125% | 2,220 |
| Noninterest expense to average assets | 2.4523% | 4,729 |
| Loan and lease loss provision to assets | 0.0072% | 4,092 |
| Net operating income to assets | 0.8789% | 2,911 |
| Return on assets (ROA) | 0.8789% | 2,999 |
| Pretax return on assets | 0.8789% | 3,963 |
| Return on Equity (ROE) | 7.3061% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.2008% | 1,669 |
| Net charge-offs to loans | 0.0169% | 3,883 |
| Credit loss provision to net charge-offs | 133.3333% | 1,583 |
| Earnings coverage of net charge-offs (x) | 163.3333% | 380 |
| Efficiency ratio | 73.4561% | 3,074 |
| Assets per employee ($millions) | 5.1161% | 2,073 |
| Cash dividends to net income (ytd only)* | 1.4403% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7671% | 486 |
| Loan loss allowance to noncurrent loans | 116.5659% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 3,765 |
| Noncurrent loans to loans | 2.3738% | 1,345 |
| Net loans and leases to total assets | 30.0955% | 6,299 |
| Net loans and leases to deposits | 37.0665% | 6,262 |
| Net loans and leases to core deposits | 41.8001% | 6,157 |
| Total domestic deposits to total assets | 81.1932% | 4,921 |
| Equity capital to assets | 12.4330% | 1,687 |
| Core capital (leverage) ratio | 11.3778% | 2,098 |
| Tier 1 risk-based capital ratio | 32.4934% | 423 |
| Total risk-based capital ratio | 33.7598% | 417 |
| Memoranda: | ||
| Average total assets | $110,590,000 | 4,437 |
| Average earning assets | $103,803,670 | 4,372 |
| Average equity | $13,304,000 | 4,167 |
| Average total loans | $35,418,670 | 5,443 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2180% | 5,977 |
| Cost of funding earning assets | 0.4420% | 3,517 |
| Net interest margin | 2.7760% | 5,981 |
| Noninterest income to average assets | 0.6970% | 2,185 |
| Noninterest expense to average assets | 2.4268% | 4,855 |
| Loan and lease loss provision to assets | 0.0073% | 3,722 |
| Net operating income to assets | 0.8759% | 2,766 |
| Return on assets (ROA) | 0.8759% | 2,832 |
| Pretax return on assets | 0.8759% | 3,808 |
| Return on Equity (ROE) | 7.4080% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.4080% | 1,854 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3186% | 3,257 |
| Assets per employee ($millions) | 5.0525% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6898% | 633 |
| Loan loss allowance to noncurrent loans | 96.2114% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 3,482 |
| Noncurrent loans to loans | 2.7957% | 1,192 |
| Net loans and leases to total assets | 31.4075% | 6,284 |
| Net loans and leases to deposits | 38.4724% | 6,226 |
| Net loans and leases to core deposits | 43.5707% | 6,092 |
| Total domestic deposits to total assets | 81.6365% | 5,044 |
| Equity capital to assets | 11.9860% | 1,878 |
| Core capital (leverage) ratio | 11.1904% | 2,232 |
| Tier 1 risk-based capital ratio | 31.2653% | 476 |
| Total risk-based capital ratio | 32.5154% | 468 |
| Memoranda: | ||
| Average total assets | $109,607,500 | 4,493 |
| Average earning assets | $103,171,000 | 4,422 |
| Average equity | $12,959,000 | 4,244 |
| Average total loans | $35,709,000 | 5,470 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2977% | 6,004 |
| Cost of funding earning assets | 0.4871% | 3,742 |
| Net interest margin | 2.8105% | 5,960 |
| Noninterest income to average assets | 0.7174% | 2,450 |
| Noninterest expense to average assets | 2.3685% | 5,169 |
| Loan and lease loss provision to assets | 0.0216% | 4,696 |
| Net operating income to assets | 0.9638% | 2,498 |
| Return on assets (ROA) | 0.9751% | 2,510 |
| Pretax return on assets | 0.9751% | 3,452 |
| Return on Equity (ROE) | 7.8099% | 3,138 |
| Retained earnings to average equity (ytd only) | 1.6719% | 5,036 |
| Net charge-offs to loans | 0.0756% | 4,151 |
| Credit loss provision to net charge-offs | 88.4615% | 2,806 |
| Earnings coverage of net charge-offs (x) | 40.3077% | 938 |
| Efficiency ratio | 70.6196% | 3,739 |
| Assets per employee ($millions) | 4.9118% | 2,295 |
| Cash dividends to net income (ytd only)* | 78.5921% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7095% | 661 |
| Loan loss allowance to noncurrent loans | 87.6251% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 3,389 |
| Noncurrent loans to loans | 3.0921% | 1,113 |
| Net loans and leases to total assets | 31.9998% | 6,383 |
| Net loans and leases to deposits | 39.3525% | 6,326 |
| Net loans and leases to core deposits | 44.7572% | 6,192 |
| Total domestic deposits to total assets | 81.3159% | 5,096 |
| Equity capital to assets | 11.6556% | 2,061 |
| Core capital (leverage) ratio | 11.2449% | 2,161 |
| Tier 1 risk-based capital ratio | 31.2238% | 458 |
| Total risk-based capital ratio | 32.4895% | 451 |
| Memoranda: | ||
| Average total assets | $106,353,400 | 4,580 |
| Average earning assets | $99,767,200 | 4,525 |
| Average equity | $13,278,000 | 4,208 |
| Average total loans | $34,412,800 | 5,565 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3279% | 6,008 |
| Cost of funding earning assets | 0.4984% | 3,781 |
| Net interest margin | 2.8295% | 5,961 |
| Noninterest income to average assets | 0.7112% | 2,547 |
| Noninterest expense to average assets | 2.4205% | 4,957 |
| Loan and lease loss provision to assets | 0.0189% | 4,637 |
| Net operating income to assets | 0.9226% | 2,727 |
| Return on assets (ROA) | 0.9377% | 2,762 |
| Pretax return on assets | 0.9377% | 3,732 |
| Return on Equity (ROE) | 7.3859% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.2669% | 1,759 |
| Net charge-offs to loans | 0.0547% | 4,123 |
| Credit loss provision to net charge-offs | 107.1429% | 2,189 |
| Earnings coverage of net charge-offs (x) | 53.4178% | 827 |
| Efficiency ratio | 71.9955% | 3,405 |
| Assets per employee ($millions) | 4.5919% | 2,730 |
| Cash dividends to net income (ytd only)* | 1.6108% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7561% | 701 |
| Loan loss allowance to noncurrent loans | 136.1972% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 4,432 |
| Noncurrent loans to loans | 2.0236% | 2,224 |
| Net loans and leases to total assets | 32.3054% | 6,442 |
| Net loans and leases to deposits | 40.3880% | 6,373 |
| Net loans and leases to core deposits | 46.9441% | 6,177 |
| Total domestic deposits to total assets | 79.9875% | 5,516 |
| Equity capital to assets | 12.4652% | 1,602 |
| Core capital (leverage) ratio | 11.9748% | 1,691 |
| Tier 1 risk-based capital ratio | 33.3280% | 389 |
| Total risk-based capital ratio | 34.5939% | 382 |
| Memoranda: | ||
| Average total assets | $105,926,750 | 4,643 |
| Average earning assets | $99,238,500 | 4,577 |
| Average equity | $13,448,750 | 4,224 |
| Average total loans | $34,130,500 | 5,632 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3411% | 6,020 |
| Cost of funding earning assets | 0.5146% | 3,759 |
| Net interest margin | 2.8265% | 5,952 |
| Noninterest income to average assets | 0.6734% | 2,776 |
| Noninterest expense to average assets | 2.4351% | 4,944 |
| Loan and lease loss provision to assets | 0.0283% | 4,363 |
| Net operating income to assets | 0.8620% | 2,983 |
| Return on assets (ROA) | 0.8846% | 3,032 |
| Pretax return on assets | 0.8846% | 3,972 |
| Return on Equity (ROE) | 6.9259% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.7487% | 2,004 |
| Net charge-offs to loans | 0.0887% | 3,480 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 31.4667% | 1,113 |
| Efficiency ratio | 73.2275% | 3,273 |
| Assets per employee ($millions) | 4.3630% | 3,070 |
| Cash dividends to net income (ytd only)* | 2.5586% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8702% | 658 |
| Loan loss allowance to noncurrent loans | 123.0867% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 4,336 |
| Noncurrent loans to loans | 2.3319% | 2,024 |
| Net loans and leases to total assets | 31.1868% | 6,538 |
| Net loans and leases to deposits | 38.8725% | 6,454 |
| Net loans and leases to core deposits | 45.2876% | 6,266 |
| Total domestic deposits to total assets | 80.2284% | 5,556 |
| Equity capital to assets | 12.1162% | 1,841 |
| Core capital (leverage) ratio | 11.5849% | 1,865 |
| Tier 1 risk-based capital ratio | 32.7290% | 414 |
| Total risk-based capital ratio | 33.9925% | 406 |
| Memoranda: | ||
| Average total assets | $106,031,000 | 4,667 |
| Average earning assets | $99,488,000 | 4,601 |
| Average equity | $13,543,330 | 4,233 |
| Average total loans | $33,812,000 | 5,676 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,951 |
| Cost of funding earning assets | 0.5281% | 3,803 |
| Net interest margin | 2.8685% | 5,871 |
| Noninterest income to average assets | 0.6261% | 3,003 |
| Noninterest expense to average assets | 2.4519% | 4,945 |
| Loan and lease loss provision to assets | 0.0562% | 3,699 |
| Net operating income to assets | 0.8061% | 3,124 |
| Return on assets (ROA) | 0.8511% | 3,037 |
| Pretax return on assets | 0.8511% | 3,947 |
| Return on Equity (ROE) | 6.4989% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.4989% | 2,407 |
| Net charge-offs to loans | 0.0944% | 2,906 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 28.7500% | 977 |
| Efficiency ratio | 73.9819% | 3,268 |
| Assets per employee ($millions) | 4.6677% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8775% | 752 |
| Loan loss allowance to noncurrent loans | 134.2069% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7964% | 4,378 |
| Noncurrent loans to loans | 2.1441% | 2,446 |
| Net loans and leases to total assets | 30.5907% | 6,581 |
| Net loans and leases to deposits | 38.5083% | 6,485 |
| Net loans and leases to core deposits | 45.1932% | 6,256 |
| Total domestic deposits to total assets | 79.4394% | 5,886 |
| Equity capital to assets | 12.9280% | 1,462 |
| Core capital (leverage) ratio | 11.4026% | 1,943 |
| Tier 1 risk-based capital ratio | 31.8639% | 456 |
| Total risk-based capital ratio | 33.1284% | 452 |
| Memoranda: | ||
| Average total assets | $106,691,000 | 4,697 |
| Average earning assets | $99,982,000 | 4,623 |
| Average equity | $13,971,500 | 4,205 |
| Average total loans | $33,907,500 | 5,708 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 5,962 |
| Cost of funding earning assets | 0.6639% | 3,796 |
| Net interest margin | 3.0793% | 5,863 |
| Noninterest income to average assets | 0.6665% | 2,901 |
| Noninterest expense to average assets | 2.3454% | 5,576 |
| Loan and lease loss provision to assets | 0.0862% | 4,624 |
| Net operating income to assets | 1.1176% | 1,879 |
| Return on assets (ROA) | 1.1176% | 2,047 |
| Pretax return on assets | 1.1176% | 3,090 |
| Return on Equity (ROE) | 8.4240% | 2,908 |
| Retained earnings to average equity (ytd only) | 4.8436% | 2,815 |
| Net charge-offs to loans | 0.9531% | 1,162 |
| Credit loss provision to net charge-offs | 27.0270% | 5,170 |
| Earnings coverage of net charge-offs (x) | 3.7748% | 3,610 |
| Efficiency ratio | 64.9217% | 4,718 |
| Assets per employee ($millions) | 4.4178% | 3,113 |
| Cash dividends to net income (ytd only)* | 42.5021% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8411% | 791 |
| Loan loss allowance to noncurrent loans | 112.8505% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 4,179 |
| Noncurrent loans to loans | 2.5176% | 2,095 |
| Net loans and leases to total assets | 31.1575% | 6,660 |
| Net loans and leases to deposits | 39.2853% | 6,584 |
| Net loans and leases to core deposits | 46.4249% | 6,349 |
| Total domestic deposits to total assets | 79.3107% | 5,822 |
| Equity capital to assets | 13.2647% | 1,323 |
| Core capital (leverage) ratio | 11.6156% | 1,795 |
| Tier 1 risk-based capital ratio | 31.0190% | 473 |
| Total risk-based capital ratio | 32.2845% | 459 |
| Memoranda: | ||
| Average total assets | $104,418,400 | 4,721 |
| Average earning assets | $97,749,800 | 4,647 |
| Average equity | $13,853,200 | 4,193 |
| Average total loans | $34,938,000 | 5,717 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 5,971 |
| Cost of funding earning assets | 0.6891% | 3,862 |
| Net interest margin | 3.1313% | 5,866 |
| Noninterest income to average assets | 0.6768% | 2,833 |
| Noninterest expense to average assets | 2.4201% | 5,340 |
| Loan and lease loss provision to assets | 0.1154% | 4,123 |
| Net operating income to assets | 1.0767% | 2,183 |
| Return on assets (ROA) | 1.0767% | 2,383 |
| Pretax return on assets | 1.0767% | 3,438 |
| Return on Equity (ROE) | 8.1154% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.2170% | 2,001 |
| Net charge-offs to loans | 0.0341% | 5,165 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 103.3308% | 412 |
| Efficiency ratio | 66.5011% | 4,359 |
| Assets per employee ($millions) | 4.1104% | 3,663 |
| Cash dividends to net income (ytd only)* | 11.0717% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6798% | 400 |
| Loan loss allowance to noncurrent loans | 116.4260% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2048% | 3,882 |
| Noncurrent loans to loans | 3.1607% | 1,751 |
| Net loans and leases to total assets | 32.8594% | 6,711 |
| Net loans and leases to deposits | 41.9912% | 6,597 |
| Net loans and leases to core deposits | 50.0511% | 6,278 |
| Total domestic deposits to total assets | 78.2530% | 6,021 |
| Equity capital to assets | 13.9453% | 1,182 |
| Core capital (leverage) ratio | 11.8222% | 1,763 |
| Tier 1 risk-based capital ratio | 31.6695% | 455 |
| Total risk-based capital ratio | 32.9484% | 448 |
| Memoranda: | ||
| Average total assets | $104,016,500 | 4,773 |
| Average earning assets | $97,509,000 | 4,703 |
| Average equity | $13,800,500 | 4,239 |
| Average total loans | $35,172,250 | 5,787 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 5,970 |
| Cost of funding earning assets | 0.7068% | 3,960 |
| Net interest margin | 3.1683% | 5,827 |
| Noninterest income to average assets | 0.6435% | 2,984 |
| Noninterest expense to average assets | 2.4168% | 5,392 |
| Loan and lease loss provision to assets | 0.1149% | 4,091 |
| Net operating income to assets | 1.0820% | 2,118 |
| Return on assets (ROA) | 1.0820% | 2,335 |
| Pretax return on assets | 1.0820% | 3,370 |
| Return on Equity (ROE) | 8.2942% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.6042% | 1,812 |
| Net charge-offs to loans | -0.0114% | 6,304 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4017% | 4,462 |
| Assets per employee ($millions) | 4.3189% | 3,225 |
| Cash dividends to net income (ytd only)* | 8.3186% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7423% | 407 |
| Loan loss allowance to noncurrent loans | 116.0731% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 4,045 |
| Noncurrent loans to loans | 3.2241% | 1,805 |
| Net loans and leases to total assets | 31.5395% | 6,828 |
| Net loans and leases to deposits | 39.9726% | 6,730 |
| Net loans and leases to core deposits | 47.4871% | 6,491 |
| Total domestic deposits to total assets | 78.9029% | 5,978 |
| Equity capital to assets | 13.4679% | 1,317 |
| Core capital (leverage) ratio | 11.4203% | 1,952 |
| Tier 1 risk-based capital ratio | 30.8876% | 483 |
| Total risk-based capital ratio | 32.1655% | 475 |
| Memoranda: | ||
| Average total assets | $104,435,670 | 4,791 |
| Average earning assets | $97,906,670 | 4,713 |
| Average equity | $13,624,000 | 4,271 |
| Average total loans | $35,211,000 | 5,824 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 5,933 |
| Cost of funding earning assets | 0.7293% | 4,035 |
| Net interest margin | 3.2063% | 5,768 |
| Noninterest income to average assets | 0.6334% | 3,039 |
| Noninterest expense to average assets | 2.3849% | 5,525 |
| Loan and lease loss provision to assets | 0.1145% | 3,924 |
| Net operating income to assets | 1.1371% | 1,933 |
| Return on assets (ROA) | 1.1371% | 2,119 |
| Pretax return on assets | 1.1371% | 3,174 |
| Return on Equity (ROE) | 8.8585% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.8585% | 1,636 |
| Net charge-offs to loans | 0.0223% | 4,371 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 219 |
| Efficiency ratio | 65.0577% | 4,726 |
| Assets per employee ($millions) | 4.3841% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5229% | 526 |
| Loan loss allowance to noncurrent loans | 116.6824% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 4,240 |
| Noncurrent loans to loans | 3.0192% | 2,140 |
| Net loans and leases to total assets | 32.2226% | 6,823 |
| Net loans and leases to deposits | 40.5225% | 6,715 |
| Net loans and leases to core deposits | 47.7588% | 6,471 |
| Total domestic deposits to total assets | 79.5178% | 5,969 |
| Equity capital to assets | 13.0149% | 1,442 |
| Core capital (leverage) ratio | 11.1417% | 2,152 |
| Tier 1 risk-based capital ratio | 28.8410% | 578 |
| Total risk-based capital ratio | 30.1143% | 567 |
| Memoranda: | ||
| Average total assets | $104,826,500 | 4,815 |
| Average earning assets | $98,183,000 | 4,740 |
| Average equity | $13,456,000 | 4,309 |
| Average total loans | $35,835,000 | 5,833 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 5,273 |
| Cost of funding earning assets | 0.8947% | 4,167 |
| Net interest margin | 3.5484% | 4,947 |
| Noninterest income to average assets | 0.6366% | 2,969 |
| Noninterest expense to average assets | 2.5436% | 5,318 |
| Loan and lease loss provision to assets | 0.1860% | 4,331 |
| Net operating income to assets | 1.2359% | 1,419 |
| Return on assets (ROA) | 1.4051% | 1,103 |
| Pretax return on assets | 1.4051% | 1,772 |
| Return on Equity (ROE) | 11.2723% | 1,628 |
| Retained earnings to average equity (ytd only) | 5.4704% | 2,320 |
| Net charge-offs to loans | 0.1247% | 5,140 |
| Credit loss provision to net charge-offs | 393.7500% | 591 |
| Earnings coverage of net charge-offs (x) | 30.1042% | 842 |
| Efficiency ratio | 63.6973% | 5,177 |
| Assets per employee ($millions) | 4.3515% | 3,157 |
| Cash dividends to net income (ytd only)* | 51.4706% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3098% | 617 |
| Loan loss allowance to noncurrent loans | 91.6603% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3875% | 3,917 |
| Noncurrent loans to loans | 3.6109% | 1,766 |
| Net loans and leases to total assets | 33.8191% | 6,873 |
| Net loans and leases to deposits | 42.5576% | 6,784 |
| Net loans and leases to core deposits | 50.2225% | 6,521 |
| Total domestic deposits to total assets | 79.4667% | 5,877 |
| Equity capital to assets | 12.6567% | 1,690 |
| Core capital (leverage) ratio | 10.9848% | 2,278 |
| Tier 1 risk-based capital ratio | 27.4890% | 662 |
| Total risk-based capital ratio | 28.7585% | 652 |
| Memoranda: | ||
| Average total assets | $101,626,400 | 4,850 |
| Average earning assets | $95,339,600 | 4,778 |
| Average equity | $12,668,200 | 4,404 |
| Average total loans | $38,485,200 | 5,754 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 4,942 |
| Cost of funding earning assets | 0.9226% | 4,253 |
| Net interest margin | 3.6579% | 4,537 |
| Noninterest income to average assets | 0.6328% | 2,974 |
| Noninterest expense to average assets | 2.7558% | 4,514 |
| Loan and lease loss provision to assets | 0.1242% | 4,879 |
| Net operating income to assets | 1.1837% | 1,698 |
| Return on assets (ROA) | 1.4109% | 1,208 |
| Pretax return on assets | 1.4109% | 1,914 |
| Return on Equity (ROE) | 11.3637% | 1,740 |
| Retained earnings to average equity (ytd only) | 9.5337% | 974 |
| Net charge-offs to loans | 0.1368% | 4,690 |
| Credit loss provision to net charge-offs | 235.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 24.7510% | 1,068 |
| Efficiency ratio | 67.3602% | 4,450 |
| Assets per employee ($millions) | 4.1787% | 3,488 |
| Cash dividends to net income (ytd only)* | 16.1051% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9678% | 884 |
| Loan loss allowance to noncurrent loans | 92.0492% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 4,123 |
| Noncurrent loans to loans | 3.2241% | 2,153 |
| Net loans and leases to total assets | 36.6116% | 6,838 |
| Net loans and leases to deposits | 46.8287% | 6,693 |
| Net loans and leases to core deposits | 55.0067% | 6,387 |
| Total domestic deposits to total assets | 78.1818% | 6,158 |
| Equity capital to assets | 13.4483% | 1,391 |
| Core capital (leverage) ratio | 11.4315% | 2,077 |
| Tier 1 risk-based capital ratio | 27.8308% | 671 |
| Total risk-based capital ratio | 29.1008% | 653 |
| Memoranda: | ||
| Average total assets | $100,924,250 | 4,897 |
| Average earning assets | $94,660,000 | 4,832 |
| Average equity | $12,530,750 | 4,447 |
| Average total loans | $38,974,500 | 5,792 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 5,103 |
| Cost of funding earning assets | 0.9396% | 4,396 |
| Net interest margin | 3.6299% | 4,604 |
| Noninterest income to average assets | 0.6249% | 2,978 |
| Noninterest expense to average assets | 2.8318% | 4,304 |
| Loan and lease loss provision to assets | 0.0969% | 5,114 |
| Net operating income to assets | 1.1035% | 1,863 |
| Return on assets (ROA) | 1.4436% | 1,052 |
| Pretax return on assets | 1.4436% | 1,686 |
| Return on Equity (ROE) | 11.9555% | 1,508 |
| Retained earnings to average equity (ytd only) | 10.7763% | 708 |
| Net charge-offs to loans | 0.0661% | 4,978 |
| Credit loss provision to net charge-offs | 376.9231% | 799 |
| Earnings coverage of net charge-offs (x) | 46.6923% | 661 |
| Efficiency ratio | 69.7891% | 4,154 |
| Assets per employee ($millions) | 4.3982% | 2,997 |
| Cash dividends to net income (ytd only)* | 9.8630% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8628% | 1,022 |
| Loan loss allowance to noncurrent loans | 99.6393% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.2446% | 4,410 |
| Noncurrent loans to loans | 2.8732% | 2,543 |
| Net loans and leases to total assets | 37.0638% | 6,904 |
| Net loans and leases to deposits | 47.0403% | 6,775 |
| Net loans and leases to core deposits | 55.3549% | 6,469 |
| Total domestic deposits to total assets | 78.7916% | 6,137 |
| Equity capital to assets | 12.7187% | 1,662 |
| Core capital (leverage) ratio | 11.1354% | 2,151 |
| Tier 1 risk-based capital ratio | 27.9114% | 663 |
| Total risk-based capital ratio | 29.1801% | 650 |
| Memoranda: | ||
| Average total assets | $101,136,330 | 4,931 |
| Average earning assets | $94,933,330 | 4,850 |
| Average equity | $12,212,000 | 4,504 |
| Average total loans | $39,352,670 | 5,828 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 5,456 |
| Cost of funding earning assets | 0.9601% | 4,495 |
| Net interest margin | 3.5078% | 4,973 |
| Noninterest income to average assets | 0.5775% | 3,322 |
| Noninterest expense to average assets | 2.5117% | 5,515 |
| Loan and lease loss provision to assets | 0.1899% | 3,730 |
| Net operating income to assets | 1.1708% | 1,596 |
| Return on assets (ROA) | 1.1708% | 1,650 |
| Pretax return on assets | 1.1708% | 2,476 |
| Return on Equity (ROE) | 9.9621% | 2,113 |
| Retained earnings to average equity (ytd only) | 9.9621% | 1,123 |
| Net charge-offs to loans | -0.0101% | 6,366 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4535% | 5,288 |
| Assets per employee ($millions) | 4.0910% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8019% | 1,111 |
| Loan loss allowance to noncurrent loans | 70.2703% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.7072% | 3,690 |
| Noncurrent loans to loans | 3.9873% | 1,823 |
| Net loans and leases to total assets | 37.9217% | 6,910 |
| Net loans and leases to deposits | 47.4126% | 6,776 |
| Net loans and leases to core deposits | 56.3852% | 6,384 |
| Total domestic deposits to total assets | 79.9822% | 5,954 |
| Equity capital to assets | 11.7439% | 2,084 |
| Core capital (leverage) ratio | 10.7273% | 2,418 |
| Tier 1 risk-based capital ratio | 26.6386% | 734 |
| Total risk-based capital ratio | 27.9066% | 718 |
| Memoranda: | ||
| Average total assets | $101,125,500 | 4,976 |
| Average earning assets | $94,988,500 | 4,884 |
| Average equity | $11,885,000 | 4,580 |
| Average total loans | $39,730,000 | 5,863 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 6,135 |
| Cost of funding earning assets | 1.0976% | 5,146 |
| Net interest margin | 3.4952% | 5,262 |
| Noninterest income to average assets | 0.6574% | 3,103 |
| Noninterest expense to average assets | 2.4783% | 5,866 |
| Loan and lease loss provision to assets | 0.2214% | 5,058 |
| Net operating income to assets | 1.2406% | 1,320 |
| Return on assets (ROA) | 1.2914% | 1,255 |
| Pretax return on assets | 1.2914% | 1,952 |
| Return on Equity (ROE) | 11.1711% | 1,533 |
| Retained earnings to average equity (ytd only) | 4.8853% | 2,486 |
| Net charge-offs to loans | 0.0804% | 6,020 |
| Credit loss provision to net charge-offs | 687.8788% | 308 |
| Earnings coverage of net charge-offs (x) | 45.4242% | 507 |
| Efficiency ratio | 62.4505% | 5,643 |
| Assets per employee ($millions) | 4.1657% | 3,444 |
| Cash dividends to net income (ytd only)* | 56.2689% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7024% | 1,160 |
| Loan loss allowance to noncurrent loans | 78.1433% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.6404% | 3,844 |
| Noncurrent loans to loans | 3.4582% | 2,190 |
| Net loans and leases to total assets | 38.4979% | 7,049 |
| Net loans and leases to deposits | 48.3020% | 6,936 |
| Net loans and leases to core deposits | 57.2906% | 6,616 |
| Total domestic deposits to total assets | 79.7023% | 5,910 |
| Equity capital to assets | 11.7617% | 2,068 |
| Core capital (leverage) ratio | 10.3278% | 2,740 |
| Tier 1 risk-based capital ratio | 25.4499% | 806 |
| Total risk-based capital ratio | 26.7141% | 781 |
| Memoranda: | ||
| Average total assets | $102,528,200 | 4,911 |
| Average earning assets | $96,303,200 | 4,816 |
| Average equity | $11,852,000 | 4,649 |
| Average total loans | $41,059,800 | 5,881 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 6,450 |
| Cost of funding earning assets | 1.1139% | 5,355 |
| Net interest margin | 3.4448% | 5,513 |
| Noninterest income to average assets | 0.6268% | 3,273 |
| Noninterest expense to average assets | 2.4788% | 5,790 |
| Loan and lease loss provision to assets | 0.2895% | 4,262 |
| Net operating income to assets | 1.0959% | 1,901 |
| Return on assets (ROA) | 1.1631% | 1,795 |
| Pretax return on assets | 1.1631% | 2,628 |
| Return on Equity (ROE) | 10.1048% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.1961% | 1,353 |
| Net charge-offs to loans | 0.0579% | 5,937 |
| Credit loss provision to net charge-offs | 1,244.4444% | 241 |
| Earnings coverage of net charge-offs (x) | 59.5542% | 489 |
| Efficiency ratio | 63.6789% | 5,304 |
| Assets per employee ($millions) | 4.2240% | 3,399 |
| Cash dividends to net income (ytd only)* | 18.8888% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6941% | 1,089 |
| Loan loss allowance to noncurrent loans | 74.0411% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.6306% | 3,996 |
| Noncurrent loans to loans | 3.6387% | 2,148 |
| Net loans and leases to total assets | 38.5131% | 7,164 |
| Net loans and leases to deposits | 48.8111% | 7,055 |
| Net loans and leases to core deposits | 57.4618% | 6,766 |
| Total domestic deposits to total assets | 78.9023% | 6,044 |
| Equity capital to assets | 12.4527% | 1,877 |
| Core capital (leverage) ratio | 10.6305% | 2,564 |
| Tier 1 risk-based capital ratio | 24.3670% | 907 |
| Total risk-based capital ratio | 25.6306% | 890 |
| Memoranda: | ||
| Average total assets | $103,166,000 | 4,959 |
| Average earning assets | $96,956,000 | 4,864 |
| Average equity | $11,875,250 | 4,713 |
| Average total loans | $41,435,250 | 5,948 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 6,732 |
| Cost of funding earning assets | 1.1387% | 5,469 |
| Net interest margin | 3.3505% | 5,832 |
| Noninterest income to average assets | 0.6264% | 3,153 |
| Noninterest expense to average assets | 2.4305% | 5,976 |
| Loan and lease loss provision to assets | 0.3200% | 3,821 |
| Net operating income to assets | 1.0235% | 2,104 |
| Return on assets (ROA) | 1.1237% | 1,845 |
| Pretax return on assets | 1.1237% | 2,698 |
| Return on Equity (ROE) | 10.0295% | 2,097 |
| Retained earnings to average equity (ytd only) | 8.3780% | 1,301 |
| Net charge-offs to loans | 0.0334% | 5,885 |
| Credit loss provision to net charge-offs | 2,371.4286% | 178 |
| Earnings coverage of net charge-offs (x) | 99.5714% | 328 |
| Efficiency ratio | 63.9428% | 5,349 |
| Assets per employee ($millions) | 3.8693% | 4,055 |
| Cash dividends to net income (ytd only)* | 16.4666% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5149% | 1,281 |
| Loan loss allowance to noncurrent loans | 252.1951% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 6,029 |
| Noncurrent loans to loans | 0.9972% | 5,313 |
| Net loans and leases to total assets | 39.8408% | 7,171 |
| Net loans and leases to deposits | 49.4059% | 7,095 |
| Net loans and leases to core deposits | 58.1710% | 6,820 |
| Total domestic deposits to total assets | 80.6397% | 5,525 |
| Equity capital to assets | 11.8505% | 2,185 |
| Core capital (leverage) ratio | 10.2171% | 2,917 |
| Tier 1 risk-based capital ratio | 23.2969% | 1,027 |
| Total risk-based capital ratio | 24.5595% | 1,000 |
| Memoranda: | ||
| Average total assets | $103,762,670 | 4,971 |
| Average earning assets | $97,479,000 | 4,889 |
| Average equity | $11,625,670 | 4,776 |
| Average total loans | $41,872,330 | 5,966 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 6,902 |
| Cost of funding earning assets | 1.1549% | 5,638 |
| Net interest margin | 3.2951% | 5,993 |
| Noninterest income to average assets | 0.5848% | 3,374 |
| Noninterest expense to average assets | 2.4188% | 6,017 |
| Loan and lease loss provision to assets | 0.3341% | 3,392 |
| Net operating income to assets | 0.9303% | 2,427 |
| Return on assets (ROA) | 1.1277% | 1,821 |
| Pretax return on assets | 1.1277% | 2,638 |
| Return on Equity (ROE) | 10.3507% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.3507% | 1,076 |
| Net charge-offs to loans | 0.0757% | 4,658 |
| Credit loss provision to net charge-offs | 1,100.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 41.6250% | 665 |
| Efficiency ratio | 65.2577% | 5,260 |
| Assets per employee ($millions) | 3.9915% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2709% | 1,623 |
| Loan loss allowance to noncurrent loans | 190.8184% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 6,248 |
| Noncurrent loans to loans | 1.1901% | 4,982 |
| Net loans and leases to total assets | 39.6439% | 7,271 |
| Net loans and leases to deposits | 48.6600% | 7,200 |
| Net loans and leases to core deposits | 59.3585% | 6,792 |
| Total domestic deposits to total assets | 81.4712% | 5,281 |
| Equity capital to assets | 11.2971% | 2,507 |
| Core capital (leverage) ratio | 9.6048% | 3,636 |
| Tier 1 risk-based capital ratio | 22.0446% | 1,197 |
| Total risk-based capital ratio | 23.3048% | 1,179 |
| Memoranda: | ||
| Average total assets | $105,342,500 | 4,995 |
| Average earning assets | $99,057,000 | 4,903 |
| Average equity | $11,477,500 | 4,852 |
| Average total loans | $42,251,000 | 6,014 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 6,325 |
| Cost of funding earning assets | 1.4048% | 5,917 |
| Net interest margin | 3.6289% | 4,438 |
| Noninterest income to average assets | 0.6130% | 3,531 |
| Noninterest expense to average assets | 2.4920% | 6,159 |
| Loan and lease loss provision to assets | 0.2961% | 5,062 |
| Net operating income to assets | 1.2422% | 1,150 |
| Return on assets (ROA) | 1.3437% | 999 |
| Pretax return on assets | 1.3437% | 1,577 |
| Return on Equity (ROE) | 13.6204% | 851 |
| Retained earnings to average equity (ytd only) | 5.8291% | 1,416 |
| Net charge-offs to loans | 0.1469% | 5,769 |
| Credit loss provision to net charge-offs | 511.4754% | 603 |
| Earnings coverage of net charge-offs (x) | 26.5738% | 850 |
| Efficiency ratio | 60.7252% | 6,371 |
| Assets per employee ($millions) | 4.1118% | 3,591 |
| Cash dividends to net income (ytd only)* | 57.2034% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 1,880 |
| Loan loss allowance to noncurrent loans | 902.0619% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 7,241 |
| Noncurrent loans to loans | 0.2288% | 6,858 |
| Net loans and leases to total assets | 38.8463% | 7,413 |
| Net loans and leases to deposits | 47.1059% | 7,389 |
| Net loans and leases to core deposits | 62.0957% | 7,187 |
| Total domestic deposits to total assets | 82.4659% | 4,753 |
| Equity capital to assets | 10.5055% | 3,174 |
| Core capital (leverage) ratio | 9.1061% | 4,261 |
| Tier 1 risk-based capital ratio | 20.9857% | 1,295 |
| Total risk-based capital ratio | 22.2574% | 1,262 |
| Memoranda: | ||
| Average total assets | $105,376,800 | 4,948 |
| Average earning assets | $99,230,600 | 4,860 |
| Average equity | $10,396,200 | 5,194 |
| Average total loans | $41,520,400 | 6,033 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 5,646 |
| Cost of funding earning assets | 1.4620% | 5,993 |
| Net interest margin | 3.7954% | 3,679 |
| Noninterest income to average assets | 0.5841% | 3,821 |
| Noninterest expense to average assets | 2.6769% | 5,424 |
| Loan and lease loss provision to assets | 0.2781% | 4,749 |
| Net operating income to assets | 1.2026% | 1,464 |
| Return on assets (ROA) | 1.3245% | 1,236 |
| Pretax return on assets | 1.3245% | 1,895 |
| Return on Equity (ROE) | 13.6504% | 992 |
| Retained earnings to average equity (ytd only) | 11.2815% | 440 |
| Net charge-offs to loans | 0.1388% | 5,314 |
| Credit loss provision to net charge-offs | 509.3023% | 769 |
| Earnings coverage of net charge-offs (x) | 27.1172% | 1,002 |
| Efficiency ratio | 63.1643% | 5,898 |
| Assets per employee ($millions) | 4.1150% | 3,534 |
| Cash dividends to net income (ytd only)* | 17.3540% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,149 |
| Loan loss allowance to noncurrent loans | 467.8363% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 7,024 |
| Noncurrent loans to loans | 0.3961% | 6,547 |
| Net loans and leases to total assets | 39.6056% | 7,480 |
| Net loans and leases to deposits | 48.4274% | 7,479 |
| Net loans and leases to core deposits | 63.5883% | 7,260 |
| Total domestic deposits to total assets | 81.7833% | 4,777 |
| Equity capital to assets | 10.8879% | 3,128 |
| Core capital (leverage) ratio | 9.4488% | 3,977 |
| Tier 1 risk-based capital ratio | 21.0399% | 1,361 |
| Total risk-based capital ratio | 22.3064% | 1,343 |
| Memoranda: | ||
| Average total assets | $104,994,500 | 4,989 |
| Average earning assets | $98,855,250 | 4,893 |
| Average equity | $10,187,500 | 5,291 |
| Average total loans | $41,299,500 | 6,092 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 5,106 |
| Cost of funding earning assets | 1.5246% | 6,043 |
| Net interest margin | 3.8838% | 3,190 |
| Noninterest income to average assets | 0.5540% | 4,006 |
| Noninterest expense to average assets | 2.8698% | 4,641 |
| Loan and lease loss provision to assets | 0.2415% | 4,652 |
| Net operating income to assets | 1.1004% | 1,773 |
| Return on assets (ROA) | 1.2997% | 1,313 |
| Pretax return on assets | 1.2997% | 2,030 |
| Return on Equity (ROE) | 13.9789% | 991 |
| Retained earnings to average equity (ytd only) | 12.3501% | 395 |
| Net charge-offs to loans | 0.2065% | 4,227 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,525 |
| Efficiency ratio | 66.4998% | 5,461 |
| Assets per employee ($millions) | 3.9894% | 3,700 |
| Cash dividends to net income (ytd only)* | 11.6519% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 2,298 |
| Loan loss allowance to noncurrent loans | 340.3846% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 6,962 |
| Noncurrent loans to loans | 0.5028% | 6,269 |
| Net loans and leases to total assets | 37.7490% | 7,646 |
| Net loans and leases to deposits | 45.1287% | 7,668 |
| Net loans and leases to core deposits | 59.2104% | 7,480 |
| Total domestic deposits to total assets | 83.6474% | 3,944 |
| Equity capital to assets | 9.3878% | 4,764 |
| Core capital (leverage) ratio | 8.9116% | 4,766 |
| Tier 1 risk-based capital ratio | 20.6930% | 1,447 |
| Total risk-based capital ratio | 21.9473% | 1,407 |
| Memoranda: | ||
| Average total assets | $104,329,330 | 5,038 |
| Average earning assets | $98,253,670 | 4,947 |
| Average equity | $9,700,330 | 5,457 |
| Average total loans | $40,674,670 | 6,174 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 4,947 |
| Cost of funding earning assets | 1.6145% | 5,968 |
| Net interest margin | 3.8789% | 3,138 |
| Noninterest income to average assets | 0.5222% | 4,118 |
| Noninterest expense to average assets | 3.0359% | 3,604 |
| Loan and lease loss provision to assets | 0.2455% | 4,014 |
| Net operating income to assets | 0.8925% | 2,728 |
| Return on assets (ROA) | 1.2978% | 1,483 |
| Pretax return on assets | 1.2978% | 2,292 |
| Return on Equity (ROE) | 14.0292% | 1,164 |
| Retained earnings to average equity (ytd only) | 14.0292% | 517 |
| Net charge-offs to loans | 0.4860% | 2,242 |
| Credit loss provision to net charge-offs | 128.5714% | 3,110 |
| Earnings coverage of net charge-offs (x) | 5.9592% | 2,577 |
| Efficiency ratio | 71.4286% | 4,282 |
| Assets per employee ($millions) | 4.2653% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 2,599 |
| Loan loss allowance to noncurrent loans | 401.2579% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 7,011 |
| Noncurrent loans to loans | 0.3938% | 6,435 |
| Net loans and leases to total assets | 35.8335% | 7,737 |
| Net loans and leases to deposits | 42.3129% | 7,776 |
| Net loans and leases to core deposits | 54.1418% | 7,675 |
| Total domestic deposits to total assets | 84.6870% | 3,374 |
| Equity capital to assets | 8.6971% | 5,767 |
| Core capital (leverage) ratio | 9.2082% | 4,386 |
| Tier 1 risk-based capital ratio | 19.8659% | 1,644 |
| Total risk-based capital ratio | 21.1282% | 1,598 |
| Memoranda: | ||
| Average total assets | $102,637,000 | 5,108 |
| Average earning assets | $96,625,000 | 5,013 |
| Average equity | $9,494,500 | 5,537 |
| Average total loans | $40,327,500 | 6,223 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0269% | 5,424 |
| Cost of funding earning assets | 2.0650% | 6,183 |
| Net interest margin | 3.9619% | 3,302 |
| Noninterest income to average assets | 0.7628% | 2,710 |
| Noninterest expense to average assets | 2.7954% | 4,837 |
| Loan and lease loss provision to assets | 0.2691% | 4,247 |
| Net operating income to assets | 1.3699% | 1,300 |
| Return on assets (ROA) | 1.4500% | 1,077 |
| Pretax return on assets | 1.4500% | 1,826 |
| Return on Equity (ROE) | 14.3923% | 1,031 |
| Retained earnings to average equity (ytd only) | 7.4610% | 999 |
| Net charge-offs to loans | 0.3389% | 3,136 |
| Credit loss provision to net charge-offs | 180.5970% | 2,785 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,429 |
| Efficiency ratio | 61.5848% | 6,032 |
| Assets per employee ($millions) | 3.4954% | 4,674 |
| Cash dividends to net income (ytd only)* | 48.1595% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 2,454 |
| Loan loss allowance to noncurrent loans | 244.7059% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 6,496 |
| Noncurrent loans to loans | 0.6331% | 5,474 |
| Net loans and leases to total assets | 42.0175% | 7,586 |
| Net loans and leases to deposits | 48.7623% | 7,677 |
| Net loans and leases to core deposits | 65.1058% | 7,391 |
| Total domestic deposits to total assets | 86.1679% | 2,330 |
| Equity capital to assets | 9.9009% | 4,157 |
| Core capital (leverage) ratio | 10.2179% | 3,248 |
| Tier 1 risk-based capital ratio | 21.0217% | 1,457 |
| Total risk-based capital ratio | 22.2854% | 1,424 |
| Memoranda: | ||
| Average total assets | $89,932,000 | 5,356 |
| Average earning assets | $83,343,200 | 5,316 |
| Average equity | $9,060,400 | 5,723 |
| Average total loans | $39,539,000 | 6,186 |