Home > The First National Bank of Fairbury > Performance and Condition Ratios
The First National Bank of Fairbury, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 4,782 |
| Cost of funding earning assets | 0.4181% | 3,878 |
| Net interest margin | 3.1944% | 4,498 |
| Noninterest income to average assets | 0.3066% | 4,064 |
| Noninterest expense to average assets | 3.1400% | 1,700 |
| Loan and lease loss provision to assets | -0.0028% | 5,079 |
| Net operating income to assets | 0.0927% | 5,185 |
| Return on assets (ROA) | -0.3554% | 5,299 |
| Pretax return on assets | -0.3554% | 5,296 |
| Return on Equity (ROE) | -2.0894% | 5,271 |
| Retained earnings to average equity (ytd only) | -5.3668% | 5,252 |
| Net charge-offs to loans | 0.0140% | 3,209 |
| Credit loss provision to net charge-offs | -50.0000% | 4,332 |
| Earnings coverage of net charge-offs (x) | 16.1250% | 2,275 |
| Efficiency ratio | 97.2168% | 184 |
| Assets per employee ($millions) | 5.1032% | 2,380 |
| Cash dividends to net income (ytd only)* | -156.8627% | 5,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,601 |
| Loan loss allowance to noncurrent loans | 354.7414% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 4,014 |
| Noncurrent loans to loans | 0.3971% | 3,107 |
| Net loans and leases to total assets | 40.3124% | 4,934 |
| Net loans and leases to deposits | 51.0380% | 4,850 |
| Net loans and leases to core deposits | 52.6690% | 4,884 |
| Total domestic deposits to total assets | 78.9851% | 4,313 |
| Equity capital to assets | 16.7186% | 441 |
| Core capital (leverage) ratio | 17.2295% | 390 |
| Tier 1 risk-based capital ratio | 25.8690% | 679 |
| Total risk-based capital ratio | 26.8072% | 685 |
| Memoranda: | ||
| Average total assets | $143,503,600 | 3,460 |
| Average earning assets | $131,323,000 | 3,481 |
| Average equity | $24,409,400 | 2,689 |
| Average total loans | $56,978,000 | 4,162 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5503% | 4,874 |
| Cost of funding earning assets | 0.3723% | 4,033 |
| Net interest margin | 3.1780% | 4,557 |
| Noninterest income to average assets | 0.3054% | 4,105 |
| Noninterest expense to average assets | 2.4428% | 3,754 |
| Loan and lease loss provision to assets | 0.0130% | 3,737 |
| Net operating income to assets | 0.7648% | 4,031 |
| Return on assets (ROA) | 0.1680% | 5,208 |
| Pretax return on assets | 0.1680% | 5,220 |
| Return on Equity (ROE) | 0.9834% | 5,236 |
| Retained earnings to average equity (ytd only) | -3.3632% | 5,266 |
| Net charge-offs to loans | 0.0612% | 1,945 |
| Credit loss provision to net charge-offs | 53.8462% | 2,796 |
| Earnings coverage of net charge-offs (x) | 32.2270% | 1,547 |
| Efficiency ratio | 75.8501% | 1,370 |
| Assets per employee ($millions) | 4.7957% | 2,724 |
| Cash dividends to net income (ytd only)* | 441.9840% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,803 |
| Loan loss allowance to noncurrent loans | 370.7207% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,185 |
| Noncurrent loans to loans | 0.3705% | 3,318 |
| Net loans and leases to total assets | 41.0743% | 4,992 |
| Net loans and leases to deposits | 55.5865% | 4,772 |
| Net loans and leases to core deposits | 57.1946% | 4,815 |
| Total domestic deposits to total assets | 73.8926% | 4,986 |
| Equity capital to assets | 16.8908% | 427 |
| Core capital (leverage) ratio | 17.7961% | 346 |
| Tier 1 risk-based capital ratio | 26.5551% | 643 |
| Total risk-based capital ratio | 27.4917% | 653 |
| Memoranda: | ||
| Average total assets | $143,657,250 | 3,496 |
| Average earning assets | $131,779,500 | 3,511 |
| Average equity | $24,539,500 | 2,684 |
| Average total loans | $56,616,250 | 4,215 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 4,923 |
| Cost of funding earning assets | 0.3342% | 4,173 |
| Net interest margin | 3.1645% | 4,585 |
| Noninterest income to average assets | 0.3078% | 4,111 |
| Noninterest expense to average assets | 2.3582% | 4,005 |
| Loan and lease loss provision to assets | 0.0195% | 3,510 |
| Net operating income to assets | 0.8316% | 3,748 |
| Return on assets (ROA) | -0.0641% | 5,361 |
| Pretax return on assets | -0.0641% | 5,362 |
| Return on Equity (ROE) | -0.3737% | 5,356 |
| Retained earnings to average equity (ytd only) | -6.8727% | 5,356 |
| Net charge-offs to loans | 0.0468% | 1,945 |
| Credit loss provision to net charge-offs | 107.6923% | 1,919 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,169 |
| Efficiency ratio | 73.4809% | 1,785 |
| Assets per employee ($millions) | 4.3991% | 3,280 |
| Cash dividends to net income (ytd only)* | -1,739.1304% | 5,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,427 |
| Loan loss allowance to noncurrent loans | 415.9204% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 4,275 |
| Noncurrent loans to loans | 0.3584% | 3,412 |
| Net loans and leases to total assets | 39.2464% | 5,079 |
| Net loans and leases to deposits | 50.1066% | 4,978 |
| Net loans and leases to core deposits | 51.4974% | 5,012 |
| Total domestic deposits to total assets | 78.3259% | 4,532 |
| Equity capital to assets | 17.1867% | 387 |
| Core capital (leverage) ratio | 17.6937% | 334 |
| Tier 1 risk-based capital ratio | 27.1299% | 599 |
| Total risk-based capital ratio | 28.1097% | 610 |
| Memoranda: | ||
| Average total assets | $143,586,000 | 3,516 |
| Average earning assets | $131,648,670 | 3,531 |
| Average equity | $24,619,000 | 2,695 |
| Average total loans | $55,516,000 | 4,271 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 4,962 |
| Cost of funding earning assets | 0.3080% | 4,290 |
| Net interest margin | 3.1341% | 4,632 |
| Noninterest income to average assets | 0.2676% | 4,385 |
| Noninterest expense to average assets | 2.4305% | 3,862 |
| Loan and lease loss provision to assets | 0.0386% | 2,978 |
| Net operating income to assets | 0.6621% | 4,235 |
| Return on assets (ROA) | 0.6621% | 4,244 |
| Pretax return on assets | 0.6621% | 4,540 |
| Return on Equity (ROE) | 3.8661% | 4,795 |
| Retained earnings to average equity (ytd only) | -9.0208% | 5,342 |
| Net charge-offs to loans | 0.1883% | 780 |
| Credit loss provision to net charge-offs | 53.8462% | 1,921 |
| Earnings coverage of net charge-offs (x) | 9.7692% | 1,944 |
| Efficiency ratio | 77.6211% | 1,388 |
| Assets per employee ($millions) | 4.4084% | 3,309 |
| Cash dividends to net income (ytd only)* | 333.3333% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,170 |
| Loan loss allowance to noncurrent loans | 769.1589% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,709 |
| Noncurrent loans to loans | 0.2074% | 4,041 |
| Net loans and leases to total assets | 35.9909% | 5,208 |
| Net loans and leases to deposits | 45.6870% | 5,109 |
| Net loans and leases to core deposits | 46.8135% | 5,131 |
| Total domestic deposits to total assets | 78.7771% | 4,613 |
| Equity capital to assets | 16.9825% | 399 |
| Core capital (leverage) ratio | 17.9664% | 311 |
| Tier 1 risk-based capital ratio | 27.5823% | 586 |
| Total risk-based capital ratio | 28.5529% | 590 |
| Memoranda: | ||
| Average total assets | $144,993,000 | 3,532 |
| Average earning assets | $132,480,000 | 3,556 |
| Average equity | $24,831,500 | 2,699 |
| Average total loans | $55,232,000 | 4,323 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 5,002 |
| Cost of funding earning assets | 0.3534% | 3,685 |
| Net interest margin | 3.0033% | 4,875 |
| Noninterest income to average assets | 0.3072% | 4,262 |
| Noninterest expense to average assets | 2.2978% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7644% | 3,322 |
| Return on assets (ROA) | 0.7644% | 3,360 |
| Pretax return on assets | 0.7644% | 4,352 |
| Return on Equity (ROE) | 4.4381% | 4,366 |
| Retained earnings to average equity (ytd only) | 1.2877% | 4,508 |
| Net charge-offs to loans | -0.0115% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0388% | 1,759 |
| Assets per employee ($millions) | 4.9639% | 2,528 |
| Cash dividends to net income (ytd only)* | 70.9849% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,694 |
| Loan loss allowance to noncurrent loans | 787.7358% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,763 |
| Noncurrent loans to loans | 0.1801% | 4,198 |
| Net loans and leases to total assets | 38.9707% | 5,174 |
| Net loans and leases to deposits | 52.8211% | 4,941 |
| Net loans and leases to core deposits | 54.0082% | 5,002 |
| Total domestic deposits to total assets | 73.7787% | 5,200 |
| Equity capital to assets | 17.2620% | 375 |
| Core capital (leverage) ratio | 17.8967% | 302 |
| Tier 1 risk-based capital ratio | 26.1591% | 653 |
| Total risk-based capital ratio | 27.0718% | 662 |
| Memoranda: | ||
| Average total assets | $147,442,400 | 3,498 |
| Average earning assets | $135,250,800 | 3,519 |
| Average equity | $25,393,800 | 2,650 |
| Average total loans | $52,299,200 | 4,404 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3284% | 5,070 |
| Cost of funding earning assets | 0.3605% | 3,559 |
| Net interest margin | 2.9678% | 4,993 |
| Noninterest income to average assets | 0.3073% | 4,331 |
| Noninterest expense to average assets | 2.3443% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6944% | 4,012 |
| Return on assets (ROA) | 0.6944% | 4,080 |
| Pretax return on assets | 0.6944% | 4,620 |
| Return on Equity (ROE) | 4.0343% | 4,844 |
| Retained earnings to average equity (ytd only) | -0.1791% | 5,238 |
| Net charge-offs to loans | -0.0369% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1480% | 1,444 |
| Assets per employee ($millions) | 4.7648% | 2,738 |
| Cash dividends to net income (ytd only)* | 104.4384% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,296 |
| Loan loss allowance to noncurrent loans | 773.3945% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 4,864 |
| Noncurrent loans to loans | 0.2034% | 4,268 |
| Net loans and leases to total assets | 36.9021% | 5,311 |
| Net loans and leases to deposits | 49.3840% | 5,146 |
| Net loans and leases to core deposits | 50.5244% | 5,183 |
| Total domestic deposits to total assets | 74.7249% | 5,163 |
| Equity capital to assets | 18.1926% | 321 |
| Core capital (leverage) ratio | 17.4963% | 343 |
| Tier 1 risk-based capital ratio | 27.2895% | 606 |
| Total risk-based capital ratio | 28.2637% | 613 |
| Memoranda: | ||
| Average total assets | $147,073,750 | 3,533 |
| Average earning assets | $135,358,750 | 3,547 |
| Average equity | $25,315,750 | 2,681 |
| Average total loans | $50,656,750 | 4,487 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 5,157 |
| Cost of funding earning assets | 0.3383% | 3,712 |
| Net interest margin | 2.9274% | 5,044 |
| Noninterest income to average assets | 0.3031% | 4,369 |
| Noninterest expense to average assets | 2.2984% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6979% | 3,866 |
| Return on assets (ROA) | 0.6979% | 3,927 |
| Pretax return on assets | 0.6979% | 4,554 |
| Return on Equity (ROE) | 4.1298% | 4,792 |
| Retained earnings to average equity (ytd only) | -2.2483% | 5,370 |
| Net charge-offs to loans | -0.0523% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7086% | 1,621 |
| Assets per employee ($millions) | 4.7253% | 2,756 |
| Cash dividends to net income (ytd only)* | 154.4402% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 1,134 |
| Loan loss allowance to noncurrent loans | 751.7857% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 4,875 |
| Noncurrent loans to loans | 0.2206% | 4,236 |
| Net loans and leases to total assets | 34.0890% | 5,442 |
| Net loans and leases to deposits | 45.7829% | 5,286 |
| Net loans and leases to core deposits | 46.8144% | 5,322 |
| Total domestic deposits to total assets | 74.4580% | 5,254 |
| Equity capital to assets | 17.6914% | 343 |
| Core capital (leverage) ratio | 16.9937% | 371 |
| Tier 1 risk-based capital ratio | 27.2892% | 591 |
| Total risk-based capital ratio | 28.2718% | 595 |
| Memoranda: | ||
| Average total assets | $148,450,670 | 3,541 |
| Average earning assets | $136,572,000 | 3,546 |
| Average equity | $25,086,000 | 2,698 |
| Average total loans | $49,678,330 | 4,538 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1462% | 5,314 |
| Cost of funding earning assets | 0.3289% | 3,755 |
| Net interest margin | 2.8173% | 5,214 |
| Noninterest income to average assets | 0.2757% | 4,574 |
| Noninterest expense to average assets | 2.3288% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5380% | 4,431 |
| Return on assets (ROA) | 0.5380% | 4,475 |
| Pretax return on assets | 0.5380% | 4,874 |
| Return on Equity (ROE) | 3.2588% | 5,034 |
| Retained earnings to average equity (ytd only) | -9.7116% | 5,571 |
| Net charge-offs to loans | 0.0163% | 2,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 528 |
| Efficiency ratio | 81.2325% | 1,231 |
| Assets per employee ($millions) | 4.8468% | 2,632 |
| Cash dividends to net income (ytd only)* | 398.0100% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,114 |
| Loan loss allowance to noncurrent loans | 677.8689% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 4,948 |
| Noncurrent loans to loans | 0.2531% | 4,206 |
| Net loans and leases to total assets | 31.5270% | 5,552 |
| Net loans and leases to deposits | 42.2618% | 5,408 |
| Net loans and leases to core deposits | 43.1861% | 5,439 |
| Total domestic deposits to total assets | 74.5993% | 5,368 |
| Equity capital to assets | 16.3312% | 447 |
| Core capital (leverage) ratio | 16.6890% | 389 |
| Tier 1 risk-based capital ratio | 27.4597% | 596 |
| Total risk-based capital ratio | 28.4446% | 603 |
| Memoranda: | ||
| Average total assets | $149,434,000 | 3,560 |
| Average earning assets | $137,436,500 | 3,564 |
| Average equity | $24,671,500 | 2,735 |
| Average total loans | $49,129,000 | 4,589 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3241% | 5,126 |
| Cost of funding earning assets | 0.3345% | 3,698 |
| Net interest margin | 2.9896% | 4,977 |
| Noninterest income to average assets | 0.3313% | 4,365 |
| Noninterest expense to average assets | 2.3448% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7460% | 3,556 |
| Return on assets (ROA) | 0.7533% | 3,640 |
| Pretax return on assets | 0.7533% | 4,329 |
| Return on Equity (ROE) | 4.3955% | 4,707 |
| Retained earnings to average equity (ytd only) | 0.9162% | 4,955 |
| Net charge-offs to loans | 0.5169% | 475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.1245% | 3,550 |
| Efficiency ratio | 75.8628% | 2,001 |
| Assets per employee ($millions) | 4.7941% | 2,660 |
| Cash dividends to net income (ytd only)* | 79.1557% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 1,240 |
| Loan loss allowance to noncurrent loans | 679.5082% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 5,014 |
| Noncurrent loans to loans | 0.2437% | 4,275 |
| Net loans and leases to total assets | 33.1270% | 5,570 |
| Net loans and leases to deposits | 44.4798% | 5,417 |
| Net loans and leases to core deposits | 45.4618% | 5,451 |
| Total domestic deposits to total assets | 74.4765% | 5,406 |
| Equity capital to assets | 16.6907% | 421 |
| Core capital (leverage) ratio | 17.3272% | 332 |
| Tier 1 risk-based capital ratio | 27.4865% | 597 |
| Total risk-based capital ratio | 28.4513% | 597 |
| Memoranda: | ||
| Average total assets | $150,930,600 | 3,510 |
| Average earning assets | $139,315,800 | 3,502 |
| Average equity | $25,867,600 | 2,644 |
| Average total loans | $52,819,200 | 4,493 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 5,248 |
| Cost of funding earning assets | 0.3354% | 3,710 |
| Net interest margin | 2.9378% | 5,115 |
| Noninterest income to average assets | 0.3142% | 4,522 |
| Noninterest expense to average assets | 2.3576% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6776% | 3,977 |
| Return on assets (ROA) | 0.6864% | 4,057 |
| Pretax return on assets | 0.6864% | 4,647 |
| Return on Equity (ROE) | 3.9795% | 4,906 |
| Retained earnings to average equity (ytd only) | -0.6122% | 5,448 |
| Net charge-offs to loans | 0.6404% | 315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.9961% | 3,483 |
| Efficiency ratio | 77.6747% | 1,734 |
| Assets per employee ($millions) | 4.6315% | 2,867 |
| Cash dividends to net income (ytd only)* | 115.3851% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,644 |
| Loan loss allowance to noncurrent loans | 339.3574% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 4,204 |
| Noncurrent loans to loans | 0.4524% | 3,655 |
| Net loans and leases to total assets | 36.5642% | 5,527 |
| Net loans and leases to deposits | 51.6065% | 5,222 |
| Net loans and leases to core deposits | 52.8064% | 5,274 |
| Total domestic deposits to total assets | 70.8518% | 5,649 |
| Equity capital to assets | 18.0294% | 344 |
| Core capital (leverage) ratio | 16.9503% | 370 |
| Tier 1 risk-based capital ratio | 26.3602% | 688 |
| Total risk-based capital ratio | 27.3154% | 694 |
| Memoranda: | ||
| Average total assets | $151,509,250 | 3,509 |
| Average earning assets | $140,326,250 | 3,511 |
| Average equity | $26,133,250 | 2,646 |
| Average total loans | $53,508,750 | 4,507 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 5,349 |
| Cost of funding earning assets | 0.3335% | 3,758 |
| Net interest margin | 2.9252% | 5,221 |
| Noninterest income to average assets | 0.3093% | 4,567 |
| Noninterest expense to average assets | 2.3092% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7129% | 3,727 |
| Return on assets (ROA) | 0.7195% | 3,858 |
| Pretax return on assets | 0.7195% | 4,561 |
| Return on Equity (ROE) | 4.2333% | 4,825 |
| Retained earnings to average equity (ytd only) | -2.7065% | 5,598 |
| Net charge-offs to loans | -0.0038% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4094% | 2,025 |
| Assets per employee ($millions) | 4.7062% | 2,702 |
| Cash dividends to net income (ytd only)* | 163.9344% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0963% | 624 |
| Loan loss allowance to noncurrent loans | 6,893.7500% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 5,576 |
| Noncurrent loans to loans | 0.0304% | 5,342 |
| Net loans and leases to total assets | 34.2063% | 5,672 |
| Net loans and leases to deposits | 46.9359% | 5,465 |
| Net loans and leases to core deposits | 48.1183% | 5,497 |
| Total domestic deposits to total assets | 72.8788% | 5,612 |
| Equity capital to assets | 17.6457% | 368 |
| Core capital (leverage) ratio | 16.3540% | 420 |
| Tier 1 risk-based capital ratio | 26.4096% | 700 |
| Total risk-based capital ratio | 27.6490% | 683 |
| Memoranda: | ||
| Average total assets | $152,609,670 | 3,517 |
| Average earning assets | $141,531,000 | 3,515 |
| Average equity | $25,937,330 | 2,671 |
| Average total loans | $52,999,670 | 4,554 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2113% | 5,470 |
| Cost of funding earning assets | 0.3287% | 3,856 |
| Net interest margin | 2.8826% | 5,353 |
| Noninterest income to average assets | 0.2838% | 4,687 |
| Noninterest expense to average assets | 2.2107% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7447% | 3,514 |
| Return on assets (ROA) | 0.7447% | 3,620 |
| Pretax return on assets | 0.7447% | 4,380 |
| Return on Equity (ROE) | 4.4654% | 4,718 |
| Retained earnings to average equity (ytd only) | -9.5866% | 5,793 |
| Net charge-offs to loans | -0.0075% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8018% | 2,354 |
| Assets per employee ($millions) | 4.7535% | 2,668 |
| Cash dividends to net income (ytd only)* | 314.6853% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1536% | 628 |
| Loan loss allowance to noncurrent loans | 6,488.2353% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,625 |
| Noncurrent loans to loans | 0.0332% | 5,360 |
| Net loans and leases to total assets | 32.9457% | 5,754 |
| Net loans and leases to deposits | 44.6366% | 5,565 |
| Net loans and leases to core deposits | 45.8374% | 5,595 |
| Total domestic deposits to total assets | 73.8086% | 5,624 |
| Equity capital to assets | 16.8094% | 436 |
| Core capital (leverage) ratio | 15.9346% | 478 |
| Tier 1 risk-based capital ratio | 26.3284% | 715 |
| Total risk-based capital ratio | 27.5773% | 698 |
| Memoranda: | ||
| Average total assets | $153,615,500 | 3,523 |
| Average earning assets | $142,372,500 | 3,521 |
| Average equity | $25,619,000 | 2,696 |
| Average total loans | $53,191,000 | 4,584 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 4,904 |
| Cost of funding earning assets | 0.3602% | 3,581 |
| Net interest margin | 3.1454% | 4,788 |
| Noninterest income to average assets | 0.3433% | 4,458 |
| Noninterest expense to average assets | 2.3550% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8661% | 3,041 |
| Return on assets (ROA) | 0.8702% | 3,100 |
| Pretax return on assets | 0.8702% | 3,953 |
| Return on Equity (ROE) | 5.0394% | 4,487 |
| Retained earnings to average equity (ytd only) | 1.8650% | 4,666 |
| Net charge-offs to loans | -0.0556% | 5,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1121% | 2,725 |
| Assets per employee ($millions) | 4.7006% | 2,730 |
| Cash dividends to net income (ytd only)* | 62.9921% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 806 |
| Loan loss allowance to noncurrent loans | 1,574.2857% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 5,498 |
| Noncurrent loans to loans | 0.1269% | 4,988 |
| Net loans and leases to total assets | 34.8524% | 5,744 |
| Net loans and leases to deposits | 45.2880% | 5,601 |
| Net loans and leases to core deposits | 46.5406% | 5,623 |
| Total domestic deposits to total assets | 76.9572% | 5,321 |
| Equity capital to assets | 16.5478% | 460 |
| Core capital (leverage) ratio | 17.2313% | 340 |
| Tier 1 risk-based capital ratio | 25.7243% | 759 |
| Total risk-based capital ratio | 26.9138% | 744 |
| Memoranda: | ||
| Average total assets | $145,942,000 | 3,630 |
| Average earning assets | $133,527,000 | 3,640 |
| Average equity | $25,201,200 | 2,673 |
| Average total loans | $53,927,200 | 4,559 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 4,822 |
| Cost of funding earning assets | 0.3712% | 3,535 |
| Net interest margin | 3.1985% | 4,670 |
| Noninterest income to average assets | 0.3490% | 4,442 |
| Noninterest expense to average assets | 2.3436% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9245% | 2,835 |
| Return on assets (ROA) | 0.9300% | 2,894 |
| Pretax return on assets | 0.9300% | 3,887 |
| Return on Equity (ROE) | 5.3259% | 4,477 |
| Retained earnings to average equity (ytd only) | 1.0737% | 5,289 |
| Net charge-offs to loans | -0.0721% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7126% | 2,927 |
| Assets per employee ($millions) | 4.3872% | 3,183 |
| Cash dividends to net income (ytd only)* | 79.8401% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 910 |
| Loan loss allowance to noncurrent loans | 5,794.7368% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 5,752 |
| Noncurrent loans to loans | 0.0345% | 5,483 |
| Net loans and leases to total assets | 37.2692% | 5,736 |
| Net loans and leases to deposits | 49.1698% | 5,504 |
| Net loans and leases to core deposits | 50.6500% | 5,555 |
| Total domestic deposits to total assets | 75.7969% | 5,519 |
| Equity capital to assets | 17.5233% | 386 |
| Core capital (leverage) ratio | 17.6651% | 318 |
| Tier 1 risk-based capital ratio | 26.3379% | 739 |
| Total risk-based capital ratio | 27.5677% | 725 |
| Memoranda: | ||
| Average total assets | $143,647,500 | 3,693 |
| Average earning assets | $131,100,750 | 3,706 |
| Average equity | $25,084,250 | 2,709 |
| Average total loans | $53,617,750 | 4,613 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,844 |
| Cost of funding earning assets | 0.3754% | 3,549 |
| Net interest margin | 3.1807% | 4,716 |
| Noninterest income to average assets | 0.3546% | 4,420 |
| Noninterest expense to average assets | 2.3536% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9227% | 2,770 |
| Return on assets (ROA) | 0.9227% | 2,894 |
| Pretax return on assets | 0.9227% | 3,871 |
| Return on Equity (ROE) | 5.2903% | 4,493 |
| Retained earnings to average equity (ytd only) | -1.1125% | 5,708 |
| Net charge-offs to loans | -0.1204% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8364% | 3,022 |
| Assets per employee ($millions) | 4.3540% | 3,205 |
| Cash dividends to net income (ytd only)* | 121.0287% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 903 |
| Loan loss allowance to noncurrent loans | 3,247.0588% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 5,797 |
| Noncurrent loans to loans | 0.0634% | 5,480 |
| Net loans and leases to total assets | 36.5404% | 5,791 |
| Net loans and leases to deposits | 50.4105% | 5,483 |
| Net loans and leases to core deposits | 52.5283% | 5,511 |
| Total domestic deposits to total assets | 72.4858% | 5,909 |
| Equity capital to assets | 17.2763% | 397 |
| Core capital (leverage) ratio | 17.0989% | 355 |
| Tier 1 risk-based capital ratio | 25.6146% | 810 |
| Total risk-based capital ratio | 26.8304% | 800 |
| Memoranda: | ||
| Average total assets | $143,270,330 | 3,725 |
| Average earning assets | $131,604,330 | 3,732 |
| Average equity | $24,989,000 | 2,725 |
| Average total loans | $53,137,330 | 4,670 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 4,969 |
| Cost of funding earning assets | 0.3782% | 3,549 |
| Net interest margin | 3.1204% | 4,882 |
| Noninterest income to average assets | 0.3215% | 4,618 |
| Noninterest expense to average assets | 2.3067% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8751% | 2,869 |
| Return on assets (ROA) | 0.8751% | 2,998 |
| Pretax return on assets | 0.8751% | 3,984 |
| Return on Equity (ROE) | 4.9936% | 4,528 |
| Retained earnings to average equity (ytd only) | -7.7696% | 6,067 |
| Net charge-offs to loans | -0.0756% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4956% | 3,089 |
| Assets per employee ($millions) | 4.4608% | 3,117 |
| Cash dividends to net income (ytd only)* | 255.5911% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0720% | 961 |
| Loan loss allowance to noncurrent loans | 3,005.5556% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,837 |
| Noncurrent loans to loans | 0.0689% | 5,495 |
| Net loans and leases to total assets | 35.8254% | 5,837 |
| Net loans and leases to deposits | 47.8933% | 5,573 |
| Net loans and leases to core deposits | 49.8504% | 5,599 |
| Total domestic deposits to total assets | 74.8026% | 5,844 |
| Equity capital to assets | 17.6630% | 359 |
| Core capital (leverage) ratio | 16.7475% | 386 |
| Tier 1 risk-based capital ratio | 25.5150% | 835 |
| Total risk-based capital ratio | 26.7202% | 820 |
| Memoranda: | ||
| Average total assets | $143,064,500 | 3,755 |
| Average earning assets | $131,136,000 | 3,759 |
| Average equity | $25,072,000 | 2,743 |
| Average total loans | $52,903,000 | 4,702 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 4,936 |
| Cost of funding earning assets | 0.4319% | 3,362 |
| Net interest margin | 3.2168% | 4,863 |
| Noninterest income to average assets | 0.3507% | 4,599 |
| Noninterest expense to average assets | 2.4654% | 4,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8321% | 3,212 |
| Return on assets (ROA) | 0.7218% | 3,895 |
| Pretax return on assets | 0.7218% | 4,550 |
| Return on Equity (ROE) | 4.5067% | 4,884 |
| Retained earnings to average equity (ytd only) | 2.0932% | 4,731 |
| Net charge-offs to loans | -0.0020% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7656% | 2,704 |
| Assets per employee ($millions) | 4.3450% | 3,278 |
| Cash dividends to net income (ytd only)* | 53.5540% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0006% | 1,116 |
| Loan loss allowance to noncurrent loans | 5,104.7619% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,994 |
| Noncurrent loans to loans | 0.0392% | 5,719 |
| Net loans and leases to total assets | 36.6240% | 5,921 |
| Net loans and leases to deposits | 48.2297% | 5,674 |
| Net loans and leases to core deposits | 50.7750% | 5,681 |
| Total domestic deposits to total assets | 75.9366% | 5,740 |
| Equity capital to assets | 17.3876% | 377 |
| Core capital (leverage) ratio | 17.6252% | 316 |
| Tier 1 risk-based capital ratio | 24.7021% | 864 |
| Total risk-based capital ratio | 25.8360% | 865 |
| Memoranda: | ||
| Average total assets | $142,290,800 | 3,754 |
| Average earning assets | $130,345,000 | 3,765 |
| Average equity | $22,788,200 | 2,867 |
| Average total loans | $50,769,200 | 4,793 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 4,978 |
| Cost of funding earning assets | 0.4418% | 3,350 |
| Net interest margin | 3.2162% | 4,909 |
| Noninterest income to average assets | 0.3511% | 4,631 |
| Noninterest expense to average assets | 2.4034% | 4,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9003% | 2,913 |
| Return on assets (ROA) | 0.7276% | 3,903 |
| Pretax return on assets | 0.7276% | 4,598 |
| Return on Equity (ROE) | 4.6436% | 4,882 |
| Retained earnings to average equity (ytd only) | 1.3481% | 5,357 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7479% | 3,054 |
| Assets per employee ($millions) | 4.1079% | 3,653 |
| Cash dividends to net income (ytd only)* | 70.9681% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0474% | 1,169 |
| Loan loss allowance to noncurrent loans | 26,775.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,197 |
| Noncurrent loans to loans | 0.0076% | 6,011 |
| Net loans and leases to total assets | 36.6856% | 6,005 |
| Net loans and leases to deposits | 49.1775% | 5,692 |
| Net loans and leases to core deposits | 52.0442% | 5,680 |
| Total domestic deposits to total assets | 74.5983% | 5,958 |
| Equity capital to assets | 16.8643% | 444 |
| Core capital (leverage) ratio | 17.3853% | 333 |
| Tier 1 risk-based capital ratio | 24.9507% | 886 |
| Total risk-based capital ratio | 26.1068% | 881 |
| Memoranda: | ||
| Average total assets | $142,017,500 | 3,786 |
| Average earning assets | $130,380,000 | 3,779 |
| Average equity | $22,252,500 | 2,927 |
| Average total loans | $50,065,250 | 4,861 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 5,005 |
| Cost of funding earning assets | 0.4493% | 3,332 |
| Net interest margin | 3.2017% | 4,941 |
| Noninterest income to average assets | 0.3501% | 4,629 |
| Noninterest expense to average assets | 2.4188% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8655% | 2,978 |
| Return on assets (ROA) | 0.8529% | 3,161 |
| Pretax return on assets | 0.8529% | 4,066 |
| Return on Equity (ROE) | 5.5824% | 4,398 |
| Retained earnings to average equity (ytd only) | 0.5408% | 5,522 |
| Net charge-offs to loans | -0.0162% | 5,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6461% | 3,036 |
| Assets per employee ($millions) | 4.2289% | 3,411 |
| Cash dividends to net income (ytd only)* | 90.3120% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 1,029 |
| Loan loss allowance to noncurrent loans | 9,772.7273% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 6,234 |
| Noncurrent loans to loans | 0.0225% | 6,001 |
| Net loans and leases to total assets | 33.2682% | 6,188 |
| Net loans and leases to deposits | 44.4372% | 5,959 |
| Net loans and leases to core deposits | 46.9458% | 5,952 |
| Total domestic deposits to total assets | 74.8656% | 6,034 |
| Equity capital to assets | 16.3149% | 500 |
| Core capital (leverage) ratio | 16.7110% | 390 |
| Tier 1 risk-based capital ratio | 25.2431% | 848 |
| Total risk-based capital ratio | 26.4249% | 838 |
| Memoranda: | ||
| Average total assets | $142,800,670 | 3,801 |
| Average earning assets | $130,867,330 | 3,788 |
| Average equity | $21,818,670 | 2,972 |
| Average total loans | $49,317,330 | 4,912 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 4,894 |
| Cost of funding earning assets | 0.4521% | 3,404 |
| Net interest margin | 3.2351% | 4,797 |
| Noninterest income to average assets | 0.3317% | 4,718 |
| Noninterest expense to average assets | 2.3386% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9500% | 2,406 |
| Return on assets (ROA) | 0.9500% | 2,475 |
| Pretax return on assets | 0.9500% | 3,517 |
| Return on Equity (ROE) | 6.4384% | 3,786 |
| Retained earnings to average equity (ytd only) | -4.0383% | 6,065 |
| Net charge-offs to loans | -0.0162% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1111% | 3,643 |
| Assets per employee ($millions) | 4.1154% | 3,691 |
| Cash dividends to net income (ytd only)* | 162.7219% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3230% | 992 |
| Loan loss allowance to noncurrent loans | 9,754.5455% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,316 |
| Noncurrent loans to loans | 0.0238% | 6,087 |
| Net loans and leases to total assets | 31.3228% | 6,290 |
| Net loans and leases to deposits | 41.3016% | 6,117 |
| Net loans and leases to core deposits | 44.5886% | 6,050 |
| Total domestic deposits to total assets | 75.8392% | 6,089 |
| Equity capital to assets | 15.1751% | 642 |
| Core capital (leverage) ratio | 16.8745% | 377 |
| Tier 1 risk-based capital ratio | 25.2385% | 867 |
| Total risk-based capital ratio | 26.4312% | 852 |
| Memoranda: | ||
| Average total assets | $142,309,500 | 3,843 |
| Average earning assets | $130,072,500 | 3,831 |
| Average equity | $20,999,000 | 3,055 |
| Average total loans | $49,521,500 | 4,948 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 4,792 |
| Cost of funding earning assets | 0.4927% | 3,677 |
| Net interest margin | 3.3151% | 4,606 |
| Noninterest income to average assets | 0.3436% | 4,858 |
| Noninterest expense to average assets | 2.3509% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0391% | 2,161 |
| Return on assets (ROA) | 0.6995% | 3,884 |
| Pretax return on assets | 0.6995% | 4,544 |
| Return on Equity (ROE) | 4.3631% | 4,955 |
| Retained earnings to average equity (ytd only) | -4.7798% | 6,356 |
| Net charge-offs to loans | -0.0204% | 6,147 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3484% | 3,945 |
| Assets per employee ($millions) | 4.1347% | 3,560 |
| Cash dividends to net income (ytd only)* | 209.5517% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0264% | 1,494 |
| Loan loss allowance to noncurrent loans | 991.6667% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 6,119 |
| Noncurrent loans to loans | 0.2043% | 5,576 |
| Net loans and leases to total assets | 36.8345% | 6,165 |
| Net loans and leases to deposits | 47.2438% | 5,940 |
| Net loans and leases to core deposits | 50.6946% | 5,891 |
| Total domestic deposits to total assets | 77.9670% | 5,834 |
| Equity capital to assets | 14.3264% | 821 |
| Core capital (leverage) ratio | 17.0747% | 366 |
| Tier 1 risk-based capital ratio | 24.0373% | 951 |
| Total risk-based capital ratio | 25.1614% | 951 |
| Memoranda: | ||
| Average total assets | $146,668,600 | 3,755 |
| Average earning assets | $134,779,000 | 3,741 |
| Average equity | $23,515,600 | 2,768 |
| Average total loans | $48,991,600 | 5,006 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 4,907 |
| Cost of funding earning assets | 0.4942% | 3,828 |
| Net interest margin | 3.2925% | 4,670 |
| Noninterest income to average assets | 0.3392% | 4,979 |
| Noninterest expense to average assets | 2.2592% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1130% | 1,962 |
| Return on assets (ROA) | 1.0887% | 2,125 |
| Pretax return on assets | 1.0887% | 3,158 |
| Return on Equity (ROE) | 6.6228% | 3,858 |
| Retained earnings to average equity (ytd only) | -5.1450% | 6,500 |
| Net charge-offs to loans | -0.0222% | 6,073 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9957% | 4,301 |
| Assets per employee ($millions) | 4.2043% | 3,415 |
| Cash dividends to net income (ytd only)* | 177.6866% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0673% | 1,578 |
| Loan loss allowance to noncurrent loans | 537.1859% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 6,035 |
| Noncurrent loans to loans | 0.3848% | 5,241 |
| Net loans and leases to total assets | 35.4267% | 6,306 |
| Net loans and leases to deposits | 47.4438% | 6,001 |
| Net loans and leases to core deposits | 52.3589% | 5,871 |
| Total domestic deposits to total assets | 74.6709% | 6,313 |
| Equity capital to assets | 14.6839% | 780 |
| Core capital (leverage) ratio | 17.3836% | 348 |
| Tier 1 risk-based capital ratio | 24.6033% | 925 |
| Total risk-based capital ratio | 25.7432% | 914 |
| Memoranda: | ||
| Average total assets | $148,190,750 | 3,773 |
| Average earning assets | $136,506,750 | 3,753 |
| Average equity | $24,359,500 | 2,721 |
| Average total loans | $48,026,250 | 5,072 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 4,811 |
| Cost of funding earning assets | 0.4984% | 3,917 |
| Net interest margin | 3.3066% | 4,553 |
| Noninterest income to average assets | 0.3375% | 4,977 |
| Noninterest expense to average assets | 2.2356% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1551% | 1,718 |
| Return on assets (ROA) | 0.8443% | 3,228 |
| Pretax return on assets | 0.8443% | 4,139 |
| Return on Equity (ROE) | 4.9681% | 4,747 |
| Retained earnings to average equity (ytd only) | -11.9061% | 6,709 |
| Net charge-offs to loans | -0.0256% | 6,052 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9323% | 4,558 |
| Assets per employee ($millions) | 4.2420% | 3,267 |
| Cash dividends to net income (ytd only)* | 339.6524% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3138% | 1,236 |
| Loan loss allowance to noncurrent loans | 620.3488% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 6,125 |
| Noncurrent loans to loans | 0.3730% | 5,342 |
| Net loans and leases to total assets | 31.2332% | 6,535 |
| Net loans and leases to deposits | 41.0515% | 6,365 |
| Net loans and leases to core deposits | 45.3673% | 6,263 |
| Total domestic deposits to total assets | 76.0830% | 6,239 |
| Equity capital to assets | 14.3939% | 844 |
| Core capital (leverage) ratio | 15.8219% | 486 |
| Tier 1 risk-based capital ratio | 24.3980% | 946 |
| Total risk-based capital ratio | 25.5536% | 943 |
| Memoranda: | ||
| Average total assets | $149,939,000 | 3,772 |
| Average earning assets | $138,450,670 | 3,747 |
| Average equity | $25,482,670 | 2,631 |
| Average total loans | $46,798,330 | 5,146 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 4,680 |
| Cost of funding earning assets | 0.4962% | 4,127 |
| Net interest margin | 3.3432% | 4,343 |
| Noninterest income to average assets | 0.3089% | 5,218 |
| Noninterest expense to average assets | 2.1336% | 5,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2618% | 1,369 |
| Return on assets (ROA) | 1.3273% | 1,314 |
| Pretax return on assets | 1.3273% | 2,136 |
| Return on Equity (ROE) | 7.2834% | 3,333 |
| Retained earnings to average equity (ytd only) | -17.1383% | 6,791 |
| Net charge-offs to loans | -0.0339% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8373% | 5,174 |
| Assets per employee ($millions) | 4.4138% | 3,125 |
| Cash dividends to net income (ytd only)* | 335.3057% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3549% | 1,325 |
| Loan loss allowance to noncurrent loans | 598.3146% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 6,214 |
| Noncurrent loans to loans | 0.3936% | 5,433 |
| Net loans and leases to total assets | 29.4265% | 6,625 |
| Net loans and leases to deposits | 41.5069% | 6,347 |
| Net loans and leases to core deposits | 45.2802% | 6,250 |
| Total domestic deposits to total assets | 70.8954% | 6,716 |
| Equity capital to assets | 18.0564% | 331 |
| Core capital (leverage) ratio | 15.9117% | 472 |
| Tier 1 risk-based capital ratio | 24.7479% | 923 |
| Total risk-based capital ratio | 25.9024% | 922 |
| Memoranda: | ||
| Average total assets | $152,794,500 | 3,761 |
| Average earning assets | $141,060,500 | 3,747 |
| Average equity | $27,844,000 | 2,461 |
| Average total loans | $47,140,500 | 5,165 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 4,162 |
| Cost of funding earning assets | 0.5891% | 4,452 |
| Net interest margin | 3.7189% | 3,563 |
| Noninterest income to average assets | 0.5752% | 3,415 |
| Noninterest expense to average assets | 2.3198% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6712% | 656 |
| Return on assets (ROA) | 1.7603% | 612 |
| Pretax return on assets | 1.7603% | 998 |
| Return on Equity (ROE) | 10.1799% | 2,096 |
| Retained earnings to average equity (ytd only) | 8.6645% | 922 |
| Net charge-offs to loans | -0.0947% | 6,813 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1254% | 5,811 |
| Assets per employee ($millions) | 4.4434% | 3,069 |
| Cash dividends to net income (ytd only)* | 14.8865% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1628% | 1,624 |
| Loan loss allowance to noncurrent loans | 620.4678% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 6,308 |
| Noncurrent loans to loans | 0.3486% | 5,614 |
| Net loans and leases to total assets | 30.8610% | 6,669 |
| Net loans and leases to deposits | 45.5399% | 6,279 |
| Net loans and leases to core deposits | 49.3766% | 6,183 |
| Total domestic deposits to total assets | 67.7668% | 6,865 |
| Equity capital to assets | 18.3841% | 303 |
| Core capital (leverage) ratio | 16.9105% | 360 |
| Tier 1 risk-based capital ratio | 24.9436% | 859 |
| Total risk-based capital ratio | 26.0488% | 862 |
| Memoranda: | ||
| Average total assets | $152,642,600 | 3,732 |
| Average earning assets | $140,202,200 | 3,724 |
| Average equity | $26,395,200 | 2,535 |
| Average total loans | $45,390,000 | 5,272 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3901% | 4,093 |
| Cost of funding earning assets | 0.6067% | 4,579 |
| Net interest margin | 3.7834% | 3,411 |
| Noninterest income to average assets | 0.6565% | 2,959 |
| Noninterest expense to average assets | 2.2669% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8649% | 499 |
| Return on assets (ROA) | 1.9843% | 443 |
| Pretax return on assets | 1.9843% | 721 |
| Return on Equity (ROE) | 11.6635% | 1,744 |
| Retained earnings to average equity (ytd only) | 9.6001% | 1,027 |
| Net charge-offs to loans | 0.0030% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2,130.2707% | 13 |
| Efficiency ratio | 54.8641% | 6,157 |
| Assets per employee ($millions) | 4.0520% | 3,767 |
| Cash dividends to net income (ytd only)* | 17.6913% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2193% | 1,672 |
| Loan loss allowance to noncurrent loans | 581.1429% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 6,419 |
| Noncurrent loans to loans | 0.3819% | 5,706 |
| Net loans and leases to total assets | 30.7176% | 6,786 |
| Net loans and leases to deposits | 44.2924% | 6,484 |
| Net loans and leases to core deposits | 49.1133% | 6,339 |
| Total domestic deposits to total assets | 69.3517% | 6,874 |
| Equity capital to assets | 19.1135% | 292 |
| Core capital (leverage) ratio | 16.2755% | 447 |
| Tier 1 risk-based capital ratio | 25.8029% | 841 |
| Total risk-based capital ratio | 26.9203% | 838 |
| Memoranda: | ||
| Average total assets | $151,923,250 | 3,786 |
| Average earning assets | $139,552,000 | 3,773 |
| Average equity | $25,846,250 | 2,607 |
| Average total loans | $44,473,500 | 5,375 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 4,257 |
| Cost of funding earning assets | 0.6150% | 4,764 |
| Net interest margin | 3.7668% | 3,508 |
| Noninterest income to average assets | 0.8107% | 2,134 |
| Noninterest expense to average assets | 2.2723% | 5,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9917% | 397 |
| Return on assets (ROA) | 1.9917% | 455 |
| Pretax return on assets | 1.9917% | 707 |
| Return on Equity (ROE) | 12.1821% | 1,611 |
| Retained earnings to average equity (ytd only) | 9.0035% | 1,275 |
| Net charge-offs to loans | 0.0727% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 95.8125% | 444 |
| Efficiency ratio | 53.2907% | 6,389 |
| Assets per employee ($millions) | 4.4717% | 2,955 |
| Cash dividends to net income (ytd only)* | 26.0926% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 1,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 26.7953% | 6,959 |
| Net loans and leases to deposits | 41.7417% | 6,666 |
| Net loans and leases to core deposits | 44.3767% | 6,649 |
| Total domestic deposits to total assets | 64.1931% | 7,079 |
| Equity capital to assets | 16.4430% | 515 |
| Core capital (leverage) ratio | 15.6842% | 501 |
| Tier 1 risk-based capital ratio | 24.7040% | 933 |
| Total risk-based capital ratio | 25.7905% | 937 |
| Memoranda: | ||
| Average total assets | $153,940,670 | 3,771 |
| Average earning assets | $141,127,000 | 3,766 |
| Average equity | $25,168,000 | 2,655 |
| Average total loans | $44,023,000 | 5,428 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 3,742 |
| Cost of funding earning assets | 0.6442% | 4,782 |
| Net interest margin | 3.9000% | 2,921 |
| Noninterest income to average assets | 1.3854% | 756 |
| Noninterest expense to average assets | 2.1194% | 6,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.8241% | 120 |
| Return on assets (ROA) | 2.8241% | 145 |
| Pretax return on assets | 2.8241% | 221 |
| Return on Equity (ROE) | 17.3268% | 624 |
| Retained earnings to average equity (ytd only) | 10.8007% | 1,087 |
| Net charge-offs to loans | -0.0364% | 6,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8725% | 7,029 |
| Assets per employee ($millions) | 4.3462% | 3,311 |
| Cash dividends to net income (ytd only)* | 37.6648% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4302% | 1,460 |
| Loan loss allowance to noncurrent loans | 5,677.7778% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 6,532 |
| Noncurrent loans to loans | 0.0428% | 6,646 |
| Net loans and leases to total assets | 26.9748% | 7,003 |
| Net loans and leases to deposits | 39.8836% | 6,740 |
| Net loans and leases to core deposits | 43.5373% | 6,676 |
| Total domestic deposits to total assets | 67.6339% | 7,060 |
| Equity capital to assets | 16.4000% | 513 |
| Core capital (leverage) ratio | 15.7666% | 493 |
| Tier 1 risk-based capital ratio | 25.8947% | 810 |
| Total risk-based capital ratio | 27.0779% | 800 |
| Memoranda: | ||
| Average total assets | $150,421,000 | 3,865 |
| Average earning assets | $137,231,000 | 3,861 |
| Average equity | $24,517,000 | 2,710 |
| Average total loans | $43,966,000 | 5,464 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 4,213 |
| Cost of funding earning assets | 0.7251% | 5,374 |
| Net interest margin | 3.9817% | 2,976 |
| Noninterest income to average assets | 0.3490% | 5,014 |
| Noninterest expense to average assets | 2.4992% | 5,466 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4811% | 864 |
| Return on assets (ROA) | 1.4854% | 930 |
| Pretax return on assets | 1.4854% | 1,518 |
| Return on Equity (ROE) | 8.7710% | 2,556 |
| Retained earnings to average equity (ytd only) | -3.1439% | 6,292 |
| Net charge-offs to loans | -0.2921% | 7,240 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7890% | 5,332 |
| Assets per employee ($millions) | 4.3743% | 3,109 |
| Cash dividends to net income (ytd only)* | 135.8437% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2190% | 1,767 |
| Loan loss allowance to noncurrent loans | 862.7119% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 6,164 |
| Noncurrent loans to loans | 0.2572% | 6,213 |
| Net loans and leases to total assets | 30.1622% | 7,002 |
| Net loans and leases to deposits | 45.6534% | 6,642 |
| Net loans and leases to core deposits | 50.2245% | 6,520 |
| Total domestic deposits to total assets | 66.0678% | 7,128 |
| Equity capital to assets | 16.1956% | 556 |
| Core capital (leverage) ratio | 15.2705% | 565 |
| Tier 1 risk-based capital ratio | 26.1340% | 764 |
| Total risk-based capital ratio | 27.3577% | 753 |
| Memoranda: | ||
| Average total assets | $141,243,800 | 3,953 |
| Average earning assets | $128,814,200 | 3,955 |
| Average equity | $23,919,600 | 2,677 |
| Average total loans | $44,501,400 | 5,494 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 4,749 |
| Cost of funding earning assets | 0.7375% | 5,542 |
| Net interest margin | 3.8924% | 3,413 |
| Noninterest income to average assets | 0.3473% | 5,082 |
| Noninterest expense to average assets | 2.3409% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5660% | 823 |
| Return on assets (ROA) | 1.5718% | 887 |
| Pretax return on assets | 1.5718% | 1,457 |
| Return on Equity (ROE) | 9.1743% | 2,518 |
| Retained earnings to average equity (ytd only) | -0.0391% | 5,966 |
| Net charge-offs to loans | -0.2718% | 7,293 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9167% | 5,736 |
| Assets per employee ($millions) | 4.1344% | 3,578 |
| Cash dividends to net income (ytd only)* | 100.4264% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1468% | 1,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,428 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 30.8072% | 7,063 |
| Net loans and leases to deposits | 48.1664% | 6,614 |
| Net loans and leases to core deposits | 50.8046% | 6,632 |
| Total domestic deposits to total assets | 63.9600% | 7,247 |
| Equity capital to assets | 17.3839% | 449 |
| Core capital (leverage) ratio | 16.5487% | 442 |
| Tier 1 risk-based capital ratio | 27.8195% | 672 |
| Total risk-based capital ratio | 29.0350% | 658 |
| Memoranda: | ||
| Average total assets | $139,373,250 | 4,014 |
| Average earning assets | $127,460,000 | 4,007 |
| Average equity | $23,877,750 | 2,685 |
| Average total loans | $44,157,500 | 5,551 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 5,123 |
| Cost of funding earning assets | 0.7512% | 5,657 |
| Net interest margin | 3.8118% | 3,721 |
| Noninterest income to average assets | 0.3459% | 5,115 |
| Noninterest expense to average assets | 2.2660% | 6,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5611% | 789 |
| Return on assets (ROA) | 1.5698% | 821 |
| Pretax return on assets | 1.5698% | 1,324 |
| Return on Equity (ROE) | 9.2103% | 2,431 |
| Retained earnings to average equity (ytd only) | -4.8610% | 6,554 |
| Net charge-offs to loans | -0.0961% | 7,155 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2100% | 5,995 |
| Assets per employee ($millions) | 4.0731% | 3,601 |
| Cash dividends to net income (ytd only)* | 152.7778% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1088% | 2,107 |
| Loan loss allowance to noncurrent loans | 11,362.5000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 6,392 |
| Noncurrent loans to loans | 0.0186% | 6,951 |
| Net loans and leases to total assets | 29.5999% | 7,191 |
| Net loans and leases to deposits | 45.5411% | 6,853 |
| Net loans and leases to core deposits | 47.8902% | 6,858 |
| Total domestic deposits to total assets | 64.9960% | 7,287 |
| Equity capital to assets | 17.2239% | 464 |
| Core capital (leverage) ratio | 16.6855% | 432 |
| Tier 1 risk-based capital ratio | 28.0169% | 654 |
| Total risk-based capital ratio | 29.1876% | 649 |
| Memoranda: | ||
| Average total assets | $137,596,670 | 4,071 |
| Average earning assets | $125,661,000 | 4,079 |
| Average equity | $23,452,000 | 2,707 |
| Average total loans | $43,691,000 | 5,624 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 4,955 |
| Cost of funding earning assets | 0.7765% | 5,702 |
| Net interest margin | 3.8209% | 3,505 |
| Noninterest income to average assets | 0.3256% | 5,311 |
| Noninterest expense to average assets | 2.2795% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5276% | 828 |
| Return on assets (ROA) | 1.5453% | 829 |
| Pretax return on assets | 1.5453% | 1,311 |
| Return on Equity (ROE) | 9.1175% | 2,427 |
| Retained earnings to average equity (ytd only) | -19.7022% | 7,151 |
| Net charge-offs to loans | -0.0182% | 6,542 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8756% | 6,000 |
| Assets per employee ($millions) | 3.7911% | 4,320 |
| Cash dividends to net income (ytd only)* | 316.0920% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1968% | 1,971 |
| Loan loss allowance to noncurrent loans | 11,125.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 6,400 |
| Noncurrent loans to loans | 0.0197% | 7,012 |
| Net loans and leases to total assets | 29.8625% | 7,233 |
| Net loans and leases to deposits | 44.6775% | 6,923 |
| Net loans and leases to core deposits | 47.6015% | 6,899 |
| Total domestic deposits to total assets | 66.8403% | 7,304 |
| Equity capital to assets | 16.7385% | 472 |
| Core capital (leverage) ratio | 17.0681% | 391 |
| Tier 1 risk-based capital ratio | 29.9091% | 526 |
| Total risk-based capital ratio | 31.1646% | 514 |
| Memoranda: | ||
| Average total assets | $135,116,000 | 4,153 |
| Average earning assets | $123,111,000 | 4,157 |
| Average equity | $22,901,000 | 2,759 |
| Average total loans | $43,983,500 | 5,655 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 4,756 |
| Cost of funding earning assets | 0.9643% | 5,870 |
| Net interest margin | 3.9924% | 3,051 |
| Noninterest income to average assets | 0.3572% | 5,254 |
| Noninterest expense to average assets | 2.3953% | 6,096 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5979% | 618 |
| Return on assets (ROA) | 1.6053% | 661 |
| Pretax return on assets | 1.6053% | 1,116 |
| Return on Equity (ROE) | 9.0931% | 2,255 |
| Retained earnings to average equity (ytd only) | 4.8950% | 2,481 |
| Net charge-offs to loans | 0.1284% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 37.1724% | 617 |
| Efficiency ratio | 59.9852% | 6,049 |
| Assets per employee ($millions) | 3.9298% | 3,941 |
| Cash dividends to net income (ytd only)* | 46.1681% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 2,638 |
| Loan loss allowance to noncurrent loans | 6,830.7692% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 6,467 |
| Noncurrent loans to loans | 0.0274% | 7,069 |
| Net loans and leases to total assets | 33.8546% | 7,232 |
| Net loans and leases to deposits | 49.0184% | 6,905 |
| Net loans and leases to core deposits | 55.0557% | 6,748 |
| Total domestic deposits to total assets | 69.0652% | 7,283 |
| Equity capital to assets | 17.1523% | 442 |
| Core capital (leverage) ratio | 17.3084% | 377 |
| Tier 1 risk-based capital ratio | 28.6873% | 562 |
| Total risk-based capital ratio | 29.8323% | 557 |
| Memoranda: | ||
| Average total assets | $134,928,600 | 4,156 |
| Average earning assets | $122,882,400 | 4,167 |
| Average equity | $23,820,200 | 2,673 |
| Average total loans | $45,153,800 | 5,697 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 4,961 |
| Cost of funding earning assets | 0.9980% | 5,943 |
| Net interest margin | 3.9693% | 3,238 |
| Noninterest income to average assets | 0.3664% | 5,223 |
| Noninterest expense to average assets | 2.2580% | 6,441 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7258% | 594 |
| Return on assets (ROA) | 1.7258% | 646 |
| Pretax return on assets | 1.7258% | 1,066 |
| Return on Equity (ROE) | 9.7050% | 2,246 |
| Retained earnings to average equity (ytd only) | 4.1210% | 3,570 |
| Net charge-offs to loans | 0.0179% | 6,422 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 289.6600% | 110 |
| Efficiency ratio | 56.6800% | 6,460 |
| Assets per employee ($millions) | 4.1814% | 3,481 |
| Cash dividends to net income (ytd only)* | 57.5373% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0908% | 2,021 |
| Loan loss allowance to noncurrent loans | 288.3436% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 6,162 |
| Noncurrent loans to loans | 0.7251% | 5,757 |
| Net loans and leases to total assets | 30.0781% | 7,466 |
| Net loans and leases to deposits | 51.1789% | 6,934 |
| Net loans and leases to core deposits | 56.5717% | 6,826 |
| Total domestic deposits to total assets | 58.7705% | 7,611 |
| Equity capital to assets | 17.5013% | 460 |
| Core capital (leverage) ratio | 17.4300% | 392 |
| Tier 1 risk-based capital ratio | 29.1266% | 563 |
| Total risk-based capital ratio | 30.3748% | 547 |
| Memoranda: | ||
| Average total assets | $134,274,750 | 4,226 |
| Average earning assets | $122,369,250 | 4,234 |
| Average equity | $23,877,250 | 2,707 |
| Average total loans | $44,579,000 | 5,803 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 4,251 |
| Cost of funding earning assets | 1.0601% | 5,872 |
| Net interest margin | 4.0798% | 2,652 |
| Noninterest income to average assets | 0.3839% | 5,049 |
| Noninterest expense to average assets | 2.2772% | 6,417 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8119% | 475 |
| Return on assets (ROA) | 1.8119% | 515 |
| Pretax return on assets | 1.8119% | 867 |
| Return on Equity (ROE) | 10.1293% | 2,058 |
| Retained earnings to average equity (ytd only) | 1.5452% | 5,093 |
| Net charge-offs to loans | 0.0450% | 5,753 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 287 |
| Efficiency ratio | 55.6891% | 6,678 |
| Assets per employee ($millions) | 3.8571% | 4,077 |
| Cash dividends to net income (ytd only)* | 84.7458% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 1,987 |
| Loan loss allowance to noncurrent loans | 786.5546% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 6,448 |
| Noncurrent loans to loans | 0.2654% | 6,700 |
| Net loans and leases to total assets | 32.5188% | 7,469 |
| Net loans and leases to deposits | 49.9784% | 7,070 |
| Net loans and leases to core deposits | 56.5474% | 6,909 |
| Total domestic deposits to total assets | 65.0657% | 7,563 |
| Equity capital to assets | 18.1764% | 403 |
| Core capital (leverage) ratio | 17.1193% | 426 |
| Tier 1 risk-based capital ratio | 30.1070% | 502 |
| Total risk-based capital ratio | 31.3581% | 493 |
| Memoranda: | ||
| Average total assets | $130,250,000 | 4,347 |
| Average earning assets | $118,289,670 | 4,360 |
| Average equity | $23,298,670 | 2,761 |
| Average total loans | $44,452,330 | 5,842 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2163% | 3,935 |
| Cost of funding earning assets | 1.1014% | 5,903 |
| Net interest margin | 4.1148% | 2,376 |
| Noninterest income to average assets | 0.3503% | 5,336 |
| Noninterest expense to average assets | 2.3429% | 6,276 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7236% | 585 |
| Return on assets (ROA) | 1.7236% | 638 |
| Pretax return on assets | 1.7236% | 1,014 |
| Return on Equity (ROE) | 9.7182% | 2,202 |
| Retained earnings to average equity (ytd only) | -7.9192% | 6,823 |
| Net charge-offs to loans | -0.0361% | 7,250 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6154% | 6,546 |
| Assets per employee ($millions) | 3.6966% | 4,580 |
| Cash dividends to net income (ytd only)* | 181.4882% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1798% | 1,796 |
| Loan loss allowance to noncurrent loans | 673.7589% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 6,398 |
| Noncurrent loans to loans | 0.3235% | 6,656 |
| Net loans and leases to total assets | 32.9505% | 7,535 |
| Net loans and leases to deposits | 48.3899% | 7,214 |
| Net loans and leases to core deposits | 54.8908% | 7,053 |
| Total domestic deposits to total assets | 68.0937% | 7,521 |
| Equity capital to assets | 17.4901% | 472 |
| Core capital (leverage) ratio | 17.0372% | 457 |
| Tier 1 risk-based capital ratio | 30.7081% | 492 |
| Total risk-based capital ratio | 31.9605% | 480 |
| Memoranda: | ||
| Average total assets | $127,875,500 | 4,459 |
| Average earning assets | $115,484,500 | 4,481 |
| Average equity | $22,679,000 | 2,853 |
| Average total loans | $44,260,500 | 5,927 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4551% | 4,413 |
| Cost of funding earning assets | 1.3913% | 5,968 |
| Net interest margin | 4.0638% | 2,594 |
| Noninterest income to average assets | 0.5684% | 3,878 |
| Noninterest expense to average assets | 2.5984% | 5,801 |
| Loan and lease loss provision to assets | 0.5386% | 3,675 |
| Net operating income to assets | 1.0979% | 1,515 |
| Return on assets (ROA) | 1.1343% | 1,454 |
| Pretax return on assets | 1.1343% | 2,143 |
| Return on Equity (ROE) | 6.0859% | 3,175 |
| Retained earnings to average equity (ytd only) | 2.5295% | 3,378 |
| Net charge-offs to loans | 1.4203% | 1,770 |
| Credit loss provision to net charge-offs | 102.5237% | 5,386 |
| Earnings coverage of net charge-offs (x) | 3.1151% | 3,504 |
| Efficiency ratio | 61.3579% | 6,271 |
| Assets per employee ($millions) | 3.5103% | 4,983 |
| Cash dividends to net income (ytd only)* | 58.4368% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1051% | 1,814 |
| Loan loss allowance to noncurrent loans | 277.4194% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 6,357 |
| Noncurrent loans to loans | 0.7588% | 5,753 |
| Net loans and leases to total assets | 34.8131% | 7,567 |
| Net loans and leases to deposits | 49.3422% | 7,294 |
| Net loans and leases to core deposits | 61.4487% | 7,212 |
| Total domestic deposits to total assets | 70.5545% | 7,373 |
| Equity capital to assets | 17.9862% | 444 |
| Core capital (leverage) ratio | 18.2285% | 384 |
| Tier 1 risk-based capital ratio | 31.1550% | 472 |
| Total risk-based capital ratio | 32.4061% | 470 |
| Memoranda: | ||
| Average total assets | $120,688,600 | 4,542 |
| Average earning assets | $108,889,200 | 4,598 |
| Average equity | $22,494,600 | 2,890 |
| Average total loans | $44,639,200 | 5,897 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5498% | 4,159 |
| Cost of funding earning assets | 1.4434% | 6,065 |
| Net interest margin | 4.1064% | 2,370 |
| Noninterest income to average assets | 0.6294% | 3,503 |
| Noninterest expense to average assets | 2.5566% | 5,871 |
| Loan and lease loss provision to assets | 0.2236% | 5,183 |
| Net operating income to assets | 1.5606% | 722 |
| Return on assets (ROA) | 1.5606% | 773 |
| Pretax return on assets | 1.5606% | 1,263 |
| Return on Equity (ROE) | 8.2960% | 2,519 |
| Retained earnings to average equity (ytd only) | 3.5419% | 3,311 |
| Net charge-offs to loans | 0.5355% | 3,074 |
| Credit loss provision to net charge-offs | 111.7318% | 4,543 |
| Earnings coverage of net charge-offs (x) | 8.9162% | 2,179 |
| Efficiency ratio | 58.8978% | 6,576 |
| Assets per employee ($millions) | 3.4349% | 5,088 |
| Cash dividends to net income (ytd only)* | 57.3065% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0936% | 1,608 |
| Loan loss allowance to noncurrent loans | 108.6857% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 5,316 |
| Noncurrent loans to loans | 1.9263% | 3,734 |
| Net loans and leases to total assets | 35.9656% | 7,622 |
| Net loans and leases to deposits | 52.4210% | 7,287 |
| Net loans and leases to core deposits | 66.3197% | 7,146 |
| Total domestic deposits to total assets | 68.6091% | 7,527 |
| Equity capital to assets | 18.7405% | 442 |
| Core capital (leverage) ratio | 18.7159% | 400 |
| Tier 1 risk-based capital ratio | 31.4186% | 497 |
| Total risk-based capital ratio | 32.6704% | 484 |
| Memoranda: | ||
| Average total assets | $119,268,500 | 4,613 |
| Average earning assets | $107,796,750 | 4,656 |
| Average equity | $22,436,000 | 2,918 |
| Average total loans | $44,564,250 | 5,944 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6698% | 3,717 |
| Cost of funding earning assets | 1.5009% | 6,137 |
| Net interest margin | 4.1689% | 2,100 |
| Noninterest income to average assets | 0.7402% | 2,756 |
| Noninterest expense to average assets | 2.5618% | 5,894 |
| Loan and lease loss provision to assets | 0.3395% | 3,901 |
| Net operating income to assets | 1.5925% | 693 |
| Return on assets (ROA) | 1.5925% | 762 |
| Pretax return on assets | 1.5925% | 1,223 |
| Return on Equity (ROE) | 8.4543% | 2,588 |
| Retained earnings to average equity (ytd only) | 1.2438% | 4,654 |
| Net charge-offs to loans | 0.7905% | 2,096 |
| Credit loss provision to net charge-offs | 114.2857% | 4,050 |
| Earnings coverage of net charge-offs (x) | 6.5029% | 2,604 |
| Efficiency ratio | 57.0079% | 6,987 |
| Assets per employee ($millions) | 3.3633% | 5,152 |
| Cash dividends to net income (ytd only)* | 85.2878% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 1,266 |
| Loan loss allowance to noncurrent loans | 109.0183% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 5,181 |
| Noncurrent loans to loans | 2.0050% | 3,516 |
| Net loans and leases to total assets | 35.2963% | 7,732 |
| Net loans and leases to deposits | 50.5046% | 7,465 |
| Net loans and leases to core deposits | 63.5489% | 7,318 |
| Total domestic deposits to total assets | 69.8872% | 7,483 |
| Equity capital to assets | 18.0190% | 546 |
| Core capital (leverage) ratio | 18.2153% | 485 |
| Tier 1 risk-based capital ratio | 31.5372% | 519 |
| Total risk-based capital ratio | 32.7899% | 505 |
| Memoranda: | ||
| Average total assets | $117,805,670 | 4,690 |
| Average earning assets | $106,071,000 | 4,722 |
| Average equity | $22,190,000 | 2,952 |
| Average total loans | $44,277,330 | 6,013 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 3,430 |
| Cost of funding earning assets | 1.5534% | 6,222 |
| Net interest margin | 4.2179% | 1,839 |
| Noninterest income to average assets | 0.7506% | 2,594 |
| Noninterest expense to average assets | 2.5618% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9661% | 370 |
| Return on assets (ROA) | 1.9661% | 422 |
| Pretax return on assets | 1.9661% | 705 |
| Return on Equity (ROE) | 10.2071% | 2,237 |
| Retained earnings to average equity (ytd only) | -4.0936% | 6,436 |
| Net charge-offs to loans | 0.9423% | 1,406 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.4381% | 2,677 |
| Efficiency ratio | 56.5779% | 6,885 |
| Assets per employee ($millions) | 3.3368% | 5,228 |
| Cash dividends to net income (ytd only)* | 140.1051% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 1,621 |
| Loan loss allowance to noncurrent loans | 60.5282% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 3,962 |
| Noncurrent loans to loans | 3.1361% | 2,061 |
| Net loans and leases to total assets | 36.5080% | 7,710 |
| Net loans and leases to deposits | 50.7125% | 7,465 |
| Net loans and leases to core deposits | 62.3038% | 7,376 |
| Total domestic deposits to total assets | 71.9903% | 7,207 |
| Equity capital to assets | 18.6740% | 525 |
| Core capital (leverage) ratio | 18.7800% | 470 |
| Tier 1 risk-based capital ratio | 31.7207% | 543 |
| Total risk-based capital ratio | 32.9714% | 531 |
| Memoranda: | ||
| Average total assets | $116,169,500 | 4,749 |
| Average earning assets | $104,033,000 | 4,801 |
| Average equity | $22,376,500 | 2,931 |
| Average total loans | $44,570,500 | 6,038 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7211% | 6,704 |
| Cost of funding earning assets | 2.1251% | 5,950 |
| Net interest margin | 3.5960% | 4,911 |
| Noninterest income to average assets | 0.4939% | 4,653 |
| Noninterest expense to average assets | 2.4612% | 6,164 |
| Loan and lease loss provision to assets | 0.3681% | 3,474 |
| Net operating income to assets | 0.8877% | 3,050 |
| Return on assets (ROA) | 0.8877% | 2,894 |
| Pretax return on assets | 0.8877% | 3,763 |
| Return on Equity (ROE) | 4.7249% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.3556% | 3,735 |
| Net charge-offs to loans | 0.9722% | 1,271 |
| Credit loss provision to net charge-offs | 101.8957% | 5,227 |
| Earnings coverage of net charge-offs (x) | 3.4763% | 4,352 |
| Efficiency ratio | 66.2137% | 5,084 |
| Assets per employee ($millions) | 3.5015% | 4,654 |
| Cash dividends to net income (ytd only)* | 50.1446% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 1,161 |
| Loan loss allowance to noncurrent loans | 39.3068% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 2.0476% | 2,403 |
| Noncurrent loans to loans | 5.1796% | 825 |
| Net loans and leases to total assets | 38.7266% | 7,731 |
| Net loans and leases to deposits | 54.3334% | 7,415 |
| Net loans and leases to core deposits | 66.4612% | 7,347 |
| Total domestic deposits to total assets | 71.2759% | 7,125 |
| Equity capital to assets | 19.8562% | 476 |
| Core capital (leverage) ratio | 19.2745% | 492 |
| Tier 1 risk-based capital ratio | 32.9151% | 511 |
| Total risk-based capital ratio | 34.1683% | 502 |
| Memoranda: | ||
| Average total assets | $116,814,000 | 4,595 |
| Average earning assets | $104,699,800 | 4,658 |
| Average equity | $21,947,400 | 2,979 |
| Average total loans | $43,404,800 | 6,008 |