Home > The First National Bank of Jackson > Performance and Condition Ratios
The First National Bank of Jackson, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 4,781 |
| Cost of funding earning assets | 0.7204% | 3,109 |
| Net interest margin | 2.9811% | 4,645 |
| Noninterest income to average assets | 0.6380% | 2,038 |
| Noninterest expense to average assets | 3.1469% | 1,587 |
| Loan and lease loss provision to assets | 0.0288% | 3,328 |
| Net operating income to assets | 0.2654% | 4,886 |
| Return on assets (ROA) | 0.2654% | 4,900 |
| Pretax return on assets | 0.2863% | 4,917 |
| Return on Equity (ROE) | 1.8064% | 4,926 |
| Retained earnings to average equity (ytd only) | 1.6818% | 4,367 |
| Net charge-offs to loans | 0.0895% | 1,573 |
| Credit loss provision to net charge-offs | 73.3333% | 2,582 |
| Earnings coverage of net charge-offs (x) | 8.0333% | 2,694 |
| Efficiency ratio | 90.8988% | 300 |
| Assets per employee ($millions) | 3.6052% | 4,383 |
| Cash dividends to net income (ytd only)* | 6.8980% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5453% | 4,906 |
| Loan loss allowance to noncurrent loans | 15.6188% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.5305% | 711 |
| Noncurrent loans to loans | 3.4916% | 233 |
| Net loans and leases to total assets | 42.6361% | 4,737 |
| Net loans and leases to deposits | 50.7529% | 4,755 |
| Net loans and leases to core deposits | 55.2959% | 4,713 |
| Total domestic deposits to total assets | 84.0071% | 2,824 |
| Equity capital to assets | 15.3490% | 763 |
| Core capital (leverage) ratio | 14.9558% | 747 |
| Tier 1 risk-based capital ratio | 32.3267% | 418 |
| Total risk-based capital ratio | 32.8230% | 429 |
| Memoranda: | ||
| Average total assets | $101,981,250 | 4,010 |
| Average earning assets | $96,607,750 | 3,970 |
| Average equity | $14,983,500 | 3,673 |
| Average total loans | $44,696,750 | 4,340 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,809 |
| Cost of funding earning assets | 0.7035% | 3,152 |
| Net interest margin | 3.0141% | 4,662 |
| Noninterest income to average assets | 0.7525% | 1,514 |
| Noninterest expense to average assets | 3.1468% | 1,623 |
| Loan and lease loss provision to assets | 0.0430% | 2,961 |
| Net operating income to assets | 0.3968% | 4,740 |
| Return on assets (ROA) | 0.3968% | 4,759 |
| Pretax return on assets | 0.4183% | 4,808 |
| Return on Equity (ROE) | 2.7408% | 4,834 |
| Retained earnings to average equity (ytd only) | 2.5518% | 3,921 |
| Net charge-offs to loans | 0.1018% | 1,367 |
| Credit loss provision to net charge-offs | 95.6522% | 2,071 |
| Earnings coverage of net charge-offs (x) | 10.2609% | 2,279 |
| Efficiency ratio | 87.2156% | 482 |
| Assets per employee ($millions) | 3.6990% | 4,248 |
| Cash dividends to net income (ytd only)* | 6.8966% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5511% | 4,950 |
| Loan loss allowance to noncurrent loans | 18.2707% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 951 |
| Noncurrent loans to loans | 3.0161% | 335 |
| Net loans and leases to total assets | 42.3416% | 4,770 |
| Net loans and leases to deposits | 50.1286% | 4,803 |
| Net loans and leases to core deposits | 54.6576% | 4,759 |
| Total domestic deposits to total assets | 84.4659% | 2,699 |
| Equity capital to assets | 14.9596% | 824 |
| Core capital (leverage) ratio | 14.7594% | 760 |
| Tier 1 risk-based capital ratio | 32.3267% | 410 |
| Total risk-based capital ratio | 32.8377% | 421 |
| Memoranda: | ||
| Average total assets | $102,326,670 | 4,030 |
| Average earning assets | $96,945,000 | 3,990 |
| Average equity | $14,813,330 | 3,691 |
| Average total loans | $45,170,670 | 4,365 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,846 |
| Cost of funding earning assets | 0.6947% | 3,087 |
| Net interest margin | 3.0077% | 4,740 |
| Noninterest income to average assets | 1.0383% | 743 |
| Noninterest expense to average assets | 3.1425% | 1,630 |
| Loan and lease loss provision to assets | 0.0669% | 2,331 |
| Net operating income to assets | 0.6568% | 4,069 |
| Return on assets (ROA) | 0.6568% | 4,106 |
| Pretax return on assets | 0.6725% | 4,367 |
| Return on Equity (ROE) | 4.6155% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.6155% | 3,077 |
| Net charge-offs to loans | 0.0613% | 1,427 |
| Credit loss provision to net charge-offs | 242.8571% | 940 |
| Earnings coverage of net charge-offs (x) | 26.8571% | 1,389 |
| Efficiency ratio | 80.9524% | 973 |
| Assets per employee ($millions) | 3.6634% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 5,015 |
| Loan loss allowance to noncurrent loans | 19.0691% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 963 |
| Noncurrent loans to loans | 2.9082% | 389 |
| Net loans and leases to total assets | 44.4041% | 4,730 |
| Net loans and leases to deposits | 52.4922% | 4,730 |
| Net loans and leases to core deposits | 57.2405% | 4,668 |
| Total domestic deposits to total assets | 84.5919% | 2,820 |
| Equity capital to assets | 14.6009% | 859 |
| Core capital (leverage) ratio | 14.9341% | 716 |
| Tier 1 risk-based capital ratio | 31.7766% | 417 |
| Total risk-based capital ratio | 32.3026% | 432 |
| Memoranda: | ||
| Average total assets | $101,704,000 | 4,077 |
| Average earning assets | $96,153,500 | 4,041 |
| Average equity | $14,473,000 | 3,742 |
| Average total loans | $45,707,500 | 4,395 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 4,753 |
| Cost of funding earning assets | 0.6464% | 2,420 |
| Net interest margin | 2.9950% | 4,800 |
| Noninterest income to average assets | 0.4834% | 2,922 |
| Noninterest expense to average assets | 3.0483% | 1,938 |
| Loan and lease loss provision to assets | 0.0463% | 3,259 |
| Net operating income to assets | 0.1929% | 5,114 |
| Return on assets (ROA) | 0.2065% | 5,100 |
| Pretax return on assets | 0.2345% | 5,094 |
| Return on Equity (ROE) | 1.5513% | 5,102 |
| Retained earnings to average equity (ytd only) | 1.3483% | 4,597 |
| Net charge-offs to loans | 0.1062% | 1,691 |
| Credit loss provision to net charge-offs | 104.3478% | 2,438 |
| Earnings coverage of net charge-offs (x) | 5.9783% | 3,136 |
| Efficiency ratio | 91.9918% | 279 |
| Assets per employee ($millions) | 3.4766% | 4,570 |
| Cash dividends to net income (ytd only)* | 13.0841% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5349% | 5,084 |
| Loan loss allowance to noncurrent loans | 17.8755% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.3876% | 888 |
| Noncurrent loans to loans | 2.9926% | 339 |
| Net loans and leases to total assets | 45.0000% | 4,781 |
| Net loans and leases to deposits | 52.8136% | 4,793 |
| Net loans and leases to core deposits | 57.3783% | 4,724 |
| Total domestic deposits to total assets | 85.2053% | 2,556 |
| Equity capital to assets | 13.9387% | 992 |
| Core capital (leverage) ratio | 14.5368% | 789 |
| Tier 1 risk-based capital ratio | 31.3162% | 418 |
| Total risk-based capital ratio | 31.8222% | 442 |
| Memoranda: | ||
| Average total assets | $103,632,400 | 4,043 |
| Average earning assets | $97,930,000 | 4,005 |
| Average equity | $13,795,000 | 3,778 |
| Average total loans | $43,321,600 | 4,466 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,819 |
| Cost of funding earning assets | 0.6371% | 2,227 |
| Net interest margin | 2.9568% | 4,908 |
| Noninterest income to average assets | 0.4639% | 3,075 |
| Noninterest expense to average assets | 2.9519% | 2,157 |
| Loan and lease loss provision to assets | 0.0486% | 3,021 |
| Net operating income to assets | 0.2276% | 5,179 |
| Return on assets (ROA) | 0.2492% | 5,148 |
| Pretax return on assets | 0.2811% | 5,153 |
| Return on Equity (ROE) | 1.8935% | 5,143 |
| Retained earnings to average equity (ytd only) | 1.7576% | 4,655 |
| Net charge-offs to loans | 0.1216% | 1,295 |
| Credit loss provision to net charge-offs | 97.4359% | 2,331 |
| Earnings coverage of net charge-offs (x) | 6.1281% | 2,911 |
| Efficiency ratio | 90.6238% | 311 |
| Assets per employee ($millions) | 3.3082% | 4,765 |
| Cash dividends to net income (ytd only)* | 7.1810% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 5,126 |
| Loan loss allowance to noncurrent loans | 16.9480% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4197% | 934 |
| Noncurrent loans to loans | 3.2381% | 321 |
| Net loans and leases to total assets | 42.5854% | 4,931 |
| Net loans and leases to deposits | 49.2768% | 4,974 |
| Net loans and leases to core deposits | 54.3548% | 4,901 |
| Total domestic deposits to total assets | 86.4208% | 2,004 |
| Equity capital to assets | 12.9620% | 1,356 |
| Core capital (leverage) ratio | 14.2482% | 875 |
| Tier 1 risk-based capital ratio | 31.2955% | 423 |
| Total risk-based capital ratio | 31.7951% | 445 |
| Memoranda: | ||
| Average total assets | $104,335,500 | 4,066 |
| Average earning assets | $98,573,250 | 4,038 |
| Average equity | $13,730,500 | 3,812 |
| Average total loans | $42,748,750 | 4,530 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 4,885 |
| Cost of funding earning assets | 0.6109% | 2,159 |
| Net interest margin | 2.9153% | 4,992 |
| Noninterest income to average assets | 0.4384% | 3,231 |
| Noninterest expense to average assets | 2.8972% | 2,363 |
| Loan and lease loss provision to assets | 0.0400% | 3,107 |
| Net operating income to assets | 0.2224% | 5,211 |
| Return on assets (ROA) | 0.2535% | 5,174 |
| Pretax return on assets | 0.2935% | 5,171 |
| Return on Equity (ROE) | 1.9169% | 5,184 |
| Retained earnings to average equity (ytd only) | 1.7152% | 4,562 |
| Net charge-offs to loans | 0.0991% | 1,362 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,546 |
| Efficiency ratio | 90.6921% | 347 |
| Assets per employee ($millions) | 3.3702% | 4,747 |
| Cash dividends to net income (ytd only)* | 10.5263% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 5,179 |
| Loan loss allowance to noncurrent loans | 20.0663% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 1,257 |
| Noncurrent loans to loans | 2.7837% | 434 |
| Net loans and leases to total assets | 41.2367% | 5,015 |
| Net loans and leases to deposits | 47.9830% | 5,027 |
| Net loans and leases to core deposits | 53.0455% | 4,957 |
| Total domestic deposits to total assets | 85.9402% | 2,311 |
| Equity capital to assets | 13.0012% | 1,292 |
| Core capital (leverage) ratio | 14.0516% | 900 |
| Tier 1 risk-based capital ratio | 31.6342% | 423 |
| Total risk-based capital ratio | 32.1441% | 441 |
| Memoranda: | ||
| Average total assets | $104,929,330 | 4,092 |
| Average earning assets | $99,201,330 | 4,063 |
| Average equity | $13,876,330 | 3,812 |
| Average total loans | $42,360,330 | 4,576 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 4,907 |
| Cost of funding earning assets | 0.6040% | 2,036 |
| Net interest margin | 2.8791% | 5,064 |
| Noninterest income to average assets | 0.4336% | 3,216 |
| Noninterest expense to average assets | 2.6741% | 3,121 |
| Loan and lease loss provision to assets | 0.0418% | 2,920 |
| Net operating income to assets | 0.4014% | 4,924 |
| Return on assets (ROA) | 0.4679% | 4,777 |
| Pretax return on assets | 0.5097% | 4,856 |
| Return on Equity (ROE) | 3.5085% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.5085% | 3,800 |
| Net charge-offs to loans | 0.1242% | 1,047 |
| Credit loss provision to net charge-offs | 84.6154% | 1,701 |
| Earnings coverage of net charge-offs (x) | 9.6923% | 1,950 |
| Efficiency ratio | 84.8010% | 736 |
| Assets per employee ($millions) | 3.3684% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5662% | 5,243 |
| Loan loss allowance to noncurrent loans | 20.9059% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 1.0994% | 1,411 |
| Noncurrent loans to loans | 2.7081% | 470 |
| Net loans and leases to total assets | 40.3668% | 5,056 |
| Net loans and leases to deposits | 46.7845% | 5,080 |
| Net loans and leases to core deposits | 51.3924% | 4,999 |
| Total domestic deposits to total assets | 86.2823% | 2,406 |
| Equity capital to assets | 13.1584% | 1,169 |
| Core capital (leverage) ratio | 14.1389% | 844 |
| Tier 1 risk-based capital ratio | 31.8197% | 411 |
| Total risk-based capital ratio | 32.3275% | 427 |
| Memoranda: | ||
| Average total assets | $105,156,500 | 4,140 |
| Average earning assets | $99,338,000 | 4,108 |
| Average equity | $14,023,000 | 3,827 |
| Average total loans | $41,878,500 | 4,638 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3810% | 4,966 |
| Cost of funding earning assets | 0.5940% | 1,636 |
| Net interest margin | 2.7871% | 5,181 |
| Noninterest income to average assets | 0.4323% | 3,420 |
| Noninterest expense to average assets | 2.9408% | 2,315 |
| Loan and lease loss provision to assets | 0.0131% | 4,028 |
| Net operating income to assets | 0.0716% | 5,285 |
| Return on assets (ROA) | 0.1207% | 5,238 |
| Pretax return on assets | 0.1937% | 5,318 |
| Return on Equity (ROE) | 0.8670% | 5,250 |
| Retained earnings to average equity (ytd only) | 0.6788% | 4,766 |
| Net charge-offs to loans | 0.0361% | 3,068 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 9.9286% | 2,731 |
| Efficiency ratio | 95.7648% | 256 |
| Assets per employee ($millions) | 3.2165% | 5,015 |
| Cash dividends to net income (ytd only)* | 21.7054% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5850% | 5,272 |
| Loan loss allowance to noncurrent loans | 19.5951% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 1,276 |
| Noncurrent loans to loans | 2.9855% | 376 |
| Net loans and leases to total assets | 38.7429% | 5,185 |
| Net loans and leases to deposits | 46.2691% | 5,182 |
| Net loans and leases to core deposits | 50.8904% | 5,103 |
| Total domestic deposits to total assets | 83.7337% | 3,302 |
| Equity capital to assets | 13.7217% | 983 |
| Core capital (leverage) ratio | 14.0064% | 832 |
| Tier 1 risk-based capital ratio | 32.5422% | 381 |
| Total risk-based capital ratio | 33.0643% | 391 |
| Memoranda: | ||
| Average total assets | $106,877,400 | 4,118 |
| Average earning assets | $101,181,600 | 4,077 |
| Average equity | $14,879,400 | 3,729 |
| Average total loans | $38,783,200 | 4,767 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3387% | 5,057 |
| Cost of funding earning assets | 0.5825% | 1,657 |
| Net interest margin | 2.7562% | 5,275 |
| Noninterest income to average assets | 0.4321% | 3,459 |
| Noninterest expense to average assets | 2.8096% | 2,691 |
| Loan and lease loss provision to assets | 0.0087% | 3,955 |
| Net operating income to assets | 0.1675% | 5,384 |
| Return on assets (ROA) | 0.2179% | 5,347 |
| Pretax return on assets | 0.2914% | 5,317 |
| Return on Equity (ROE) | 1.5599% | 5,368 |
| Retained earnings to average equity (ytd only) | 1.4351% | 4,838 |
| Net charge-offs to loans | 0.0454% | 2,532 |
| Credit loss provision to net charge-offs | 53.8462% | 2,868 |
| Earnings coverage of net charge-offs (x) | 14.3872% | 2,291 |
| Efficiency ratio | 92.3455% | 335 |
| Assets per employee ($millions) | 3.2284% | 5,038 |
| Cash dividends to net income (ytd only)* | 8.0015% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6108% | 5,304 |
| Loan loss allowance to noncurrent loans | 19.6176% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 1,464 |
| Noncurrent loans to loans | 3.1137% | 390 |
| Net loans and leases to total assets | 36.0442% | 5,345 |
| Net loans and leases to deposits | 42.3696% | 5,356 |
| Net loans and leases to core deposits | 46.7040% | 5,293 |
| Total domestic deposits to total assets | 85.0708% | 2,686 |
| Equity capital to assets | 14.2656% | 920 |
| Core capital (leverage) ratio | 14.1386% | 854 |
| Tier 1 risk-based capital ratio | 34.4802% | 338 |
| Total risk-based capital ratio | 35.0176% | 346 |
| Memoranda: | ||
| Average total assets | $107,060,250 | 4,157 |
| Average earning assets | $101,394,750 | 4,114 |
| Average equity | $14,958,000 | 3,756 |
| Average total loans | $38,137,500 | 4,836 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3781% | 4,991 |
| Cost of funding earning assets | 0.5775% | 1,596 |
| Net interest margin | 2.8006% | 5,245 |
| Noninterest income to average assets | 0.4308% | 3,484 |
| Noninterest expense to average assets | 2.7342% | 2,970 |
| Loan and lease loss provision to assets | 0.0131% | 3,694 |
| Net operating income to assets | 0.2782% | 5,274 |
| Return on assets (ROA) | 0.3618% | 5,087 |
| Pretax return on assets | 0.4346% | 5,105 |
| Return on Equity (ROE) | 2.6079% | 5,215 |
| Retained earnings to average equity (ytd only) | 2.4197% | 4,235 |
| Net charge-offs to loans | 0.0685% | 1,947 |
| Credit loss provision to net charge-offs | 53.8462% | 2,520 |
| Earnings coverage of net charge-offs (x) | 14.3077% | 2,080 |
| Efficiency ratio | 88.7409% | 517 |
| Assets per employee ($millions) | 3.2582% | 5,021 |
| Cash dividends to net income (ytd only)* | 7.2165% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6280% | 5,337 |
| Loan loss allowance to noncurrent loans | 19.8153% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,570 |
| Noncurrent loans to loans | 3.1692% | 393 |
| Net loans and leases to total assets | 34.7334% | 5,421 |
| Net loans and leases to deposits | 40.7399% | 5,431 |
| Net loans and leases to core deposits | 44.8535% | 5,376 |
| Total domestic deposits to total assets | 85.2566% | 2,714 |
| Equity capital to assets | 14.1528% | 921 |
| Core capital (leverage) ratio | 13.9951% | 867 |
| Tier 1 risk-based capital ratio | 35.1372% | 300 |
| Total risk-based capital ratio | 35.6842% | 312 |
| Memoranda: | ||
| Average total assets | $107,235,000 | 4,183 |
| Average earning assets | $101,477,000 | 4,141 |
| Average equity | $14,878,000 | 3,775 |
| Average total loans | $37,971,330 | 4,876 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3852% | 4,959 |
| Cost of funding earning assets | 0.5688% | 1,595 |
| Net interest margin | 2.8164% | 5,216 |
| Noninterest income to average assets | 0.3884% | 3,750 |
| Noninterest expense to average assets | 2.7714% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2152% | 5,376 |
| Return on assets (ROA) | 0.2353% | 5,350 |
| Pretax return on assets | 0.3063% | 5,307 |
| Return on Equity (ROE) | 1.7133% | 5,382 |
| Retained earnings to average equity (ytd only) | 1.7133% | 4,424 |
| Net charge-offs to loans | 0.1153% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.8182% | 2,191 |
| Efficiency ratio | 90.8201% | 515 |
| Assets per employee ($millions) | 3.2677% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 5,465 |
| Loan loss allowance to noncurrent loans | 19.3467% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 1,607 |
| Noncurrent loans to loans | 3.1357% | 421 |
| Net loans and leases to total assets | 35.0975% | 5,436 |
| Net loans and leases to deposits | 40.9223% | 5,440 |
| Net loans and leases to core deposits | 44.7052% | 5,398 |
| Total domestic deposits to total assets | 85.7661% | 2,769 |
| Equity capital to assets | 13.6339% | 1,029 |
| Core capital (leverage) ratio | 13.8652% | 877 |
| Tier 1 risk-based capital ratio | 34.2782% | 343 |
| Total risk-based capital ratio | 34.8042% | 359 |
| Memoranda: | ||
| Average total assets | $107,093,000 | 4,226 |
| Average earning assets | $101,265,000 | 4,184 |
| Average equity | $14,708,500 | 3,814 |
| Average total loans | $38,166,500 | 4,913 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2901% | 5,171 |
| Cost of funding earning assets | 0.5614% | 1,598 |
| Net interest margin | 2.7287% | 5,388 |
| Noninterest income to average assets | 0.4522% | 3,529 |
| Noninterest expense to average assets | 2.9872% | 2,387 |
| Loan and lease loss provision to assets | -0.0174% | 5,512 |
| Net operating income to assets | 0.0096% | 5,635 |
| Return on assets (ROA) | 0.0138% | 5,655 |
| Pretax return on assets | 0.0835% | 5,607 |
| Return on Equity (ROE) | 0.0973% | 5,659 |
| Retained earnings to average equity (ytd only) | -0.0843% | 5,319 |
| Net charge-offs to loans | 0.0076% | 4,006 |
| Credit loss provision to net charge-offs | -633.3333% | 5,215 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,774 |
| Efficiency ratio | 98.0433% | 247 |
| Assets per employee ($millions) | 3.2228% | 5,127 |
| Cash dividends to net income (ytd only)* | 186.6667% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 5,479 |
| Loan loss allowance to noncurrent loans | 16.9825% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 1.3399% | 1,295 |
| Noncurrent loans to loans | 3.7250% | 302 |
| Net loans and leases to total assets | 35.7426% | 5,493 |
| Net loans and leases to deposits | 41.8130% | 5,498 |
| Net loans and leases to core deposits | 45.9127% | 5,435 |
| Total domestic deposits to total assets | 85.4822% | 2,840 |
| Equity capital to assets | 13.8361% | 946 |
| Core capital (leverage) ratio | 13.8228% | 864 |
| Tier 1 risk-based capital ratio | 34.4869% | 336 |
| Total risk-based capital ratio | 35.0415% | 346 |
| Memoranda: | ||
| Average total assets | $109,033,600 | 4,188 |
| Average earning assets | $103,675,400 | 4,124 |
| Average equity | $15,415,400 | 3,764 |
| Average total loans | $39,473,000 | 4,892 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2687% | 5,252 |
| Cost of funding earning assets | 0.5501% | 1,690 |
| Net interest margin | 2.7186% | 5,472 |
| Noninterest income to average assets | 0.4606% | 3,485 |
| Noninterest expense to average assets | 2.9242% | 2,561 |
| Loan and lease loss provision to assets | -0.0267% | 5,687 |
| Net operating income to assets | 0.0857% | 5,638 |
| Return on assets (ROA) | 0.0912% | 5,682 |
| Pretax return on assets | 0.1604% | 5,611 |
| Return on Equity (ROE) | 0.6414% | 5,686 |
| Retained earnings to average equity (ytd only) | 0.5217% | 5,223 |
| Net charge-offs to loans | -0.0033% | 4,547 |
| Credit loss provision to net charge-offs | 2,200.0000% | 221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8948% | 319 |
| Assets per employee ($millions) | 3.2942% | 5,051 |
| Cash dividends to net income (ytd only)* | 18.6700% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6303% | 5,563 |
| Loan loss allowance to noncurrent loans | 19.0738% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 1,711 |
| Noncurrent loans to loans | 3.3045% | 416 |
| Net loans and leases to total assets | 35.2405% | 5,577 |
| Net loans and leases to deposits | 41.5767% | 5,594 |
| Net loans and leases to core deposits | 45.6370% | 5,523 |
| Total domestic deposits to total assets | 84.7604% | 2,908 |
| Equity capital to assets | 14.5460% | 858 |
| Core capital (leverage) ratio | 13.8184% | 900 |
| Tier 1 risk-based capital ratio | 35.2393% | 328 |
| Total risk-based capital ratio | 35.8053% | 341 |
| Memoranda: | ||
| Average total assets | $109,704,000 | 4,202 |
| Average earning assets | $104,464,250 | 4,132 |
| Average equity | $15,590,500 | 3,775 |
| Average total loans | $39,777,500 | 4,933 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 5,267 |
| Cost of funding earning assets | 0.5445% | 1,743 |
| Net interest margin | 2.7682% | 5,483 |
| Noninterest income to average assets | 0.4380% | 3,615 |
| Noninterest expense to average assets | 2.8464% | 2,857 |
| Loan and lease loss provision to assets | -0.0400% | 5,816 |
| Net operating income to assets | 0.2012% | 5,521 |
| Return on assets (ROA) | 0.2108% | 5,565 |
| Pretax return on assets | 0.2781% | 5,532 |
| Return on Equity (ROE) | 1.4952% | 5,612 |
| Retained earnings to average equity (ytd only) | 1.3147% | 4,859 |
| Net charge-offs to loans | -0.0299% | 5,121 |
| Credit loss provision to net charge-offs | 366.6667% | 826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6627% | 469 |
| Assets per employee ($millions) | 3.3130% | 5,045 |
| Cash dividends to net income (ytd only)* | 12.0690% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 5,615 |
| Loan loss allowance to noncurrent loans | 18.6466% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2302% | 1,669 |
| Noncurrent loans to loans | 3.4832% | 380 |
| Net loans and leases to total assets | 34.6980% | 5,657 |
| Net loans and leases to deposits | 41.0223% | 5,654 |
| Net loans and leases to core deposits | 44.8457% | 5,599 |
| Total domestic deposits to total assets | 84.5832% | 3,056 |
| Equity capital to assets | 14.5003% | 869 |
| Core capital (leverage) ratio | 13.4861% | 989 |
| Tier 1 risk-based capital ratio | 35.2692% | 328 |
| Total risk-based capital ratio | 35.8458% | 339 |
| Memoranda: | ||
| Average total assets | $110,035,330 | 4,227 |
| Average earning assets | $104,690,330 | 4,156 |
| Average equity | $15,516,330 | 3,798 |
| Average total loans | $40,185,670 | 4,964 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1874% | 5,500 |
| Cost of funding earning assets | 0.5407% | 1,786 |
| Net interest margin | 2.6466% | 5,671 |
| Noninterest income to average assets | 0.4312% | 3,608 |
| Noninterest expense to average assets | 2.7829% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1091% | 5,667 |
| Return on assets (ROA) | 0.1232% | 5,698 |
| Pretax return on assets | 0.1884% | 5,652 |
| Return on Equity (ROE) | 0.8861% | 5,711 |
| Retained earnings to average equity (ytd only) | 0.8861% | 4,875 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3489% | 434 |
| Assets per employee ($millions) | 3.3694% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 5,693 |
| Loan loss allowance to noncurrent loans | 21.3420% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1260% | 1,966 |
| Noncurrent loans to loans | 2.9850% | 555 |
| Net loans and leases to total assets | 37.0321% | 5,596 |
| Net loans and leases to deposits | 43.3290% | 5,616 |
| Net loans and leases to core deposits | 47.3081% | 5,540 |
| Total domestic deposits to total assets | 85.4672% | 2,925 |
| Equity capital to assets | 13.9509% | 998 |
| Core capital (leverage) ratio | 13.6738% | 917 |
| Tier 1 risk-based capital ratio | 32.6629% | 406 |
| Total risk-based capital ratio | 33.2338% | 428 |
| Memoranda: | ||
| Average total assets | $110,388,500 | 4,255 |
| Average earning assets | $105,039,500 | 4,187 |
| Average equity | $15,348,000 | 3,830 |
| Average total loans | $41,187,000 | 4,971 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2592% | 5,416 |
| Cost of funding earning assets | 0.5483% | 1,779 |
| Net interest margin | 2.7109% | 5,632 |
| Noninterest income to average assets | 0.5733% | 2,877 |
| Noninterest expense to average assets | 2.9029% | 2,850 |
| Loan and lease loss provision to assets | -0.0742% | 5,799 |
| Net operating income to assets | 0.2623% | 5,454 |
| Return on assets (ROA) | 0.3156% | 5,401 |
| Pretax return on assets | 0.3798% | 5,360 |
| Return on Equity (ROE) | 2.2801% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.0971% | 4,529 |
| Net charge-offs to loans | 0.1612% | 1,763 |
| Credit loss provision to net charge-offs | -120.5882% | 5,180 |
| Earnings coverage of net charge-offs (x) | 3.9265% | 3,640 |
| Efficiency ratio | 92.3210% | 554 |
| Assets per employee ($millions) | 3.3208% | 5,121 |
| Cash dividends to net income (ytd only)* | 8.0229% | 4,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6449% | 5,730 |
| Loan loss allowance to noncurrent loans | 20.5288% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.1872% | 1,833 |
| Noncurrent loans to loans | 3.1416% | 496 |
| Net loans and leases to total assets | 37.1121% | 5,663 |
| Net loans and leases to deposits | 43.4699% | 5,667 |
| Net loans and leases to core deposits | 47.4042% | 5,589 |
| Total domestic deposits to total assets | 85.3742% | 2,909 |
| Equity capital to assets | 13.9469% | 951 |
| Core capital (leverage) ratio | 13.6408% | 924 |
| Tier 1 risk-based capital ratio | 33.2449% | 385 |
| Total risk-based capital ratio | 33.8236% | 399 |
| Memoranda: | ||
| Average total assets | $110,579,000 | 4,248 |
| Average earning assets | $104,873,800 | 4,165 |
| Average equity | $15,306,600 | 3,782 |
| Average total loans | $42,171,600 | 4,925 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2537% | 5,500 |
| Cost of funding earning assets | 0.5433% | 1,860 |
| Net interest margin | 2.7104% | 5,712 |
| Noninterest income to average assets | 0.6027% | 2,727 |
| Noninterest expense to average assets | 2.7646% | 3,329 |
| Loan and lease loss provision to assets | -0.1167% | 6,027 |
| Net operating income to assets | 0.4638% | 4,919 |
| Return on assets (ROA) | 0.5077% | 4,850 |
| Pretax return on assets | 0.5726% | 5,040 |
| Return on Equity (ROE) | 3.6745% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.5526% | 3,941 |
| Net charge-offs to loans | 0.1569% | 1,572 |
| Credit loss provision to net charge-offs | -194.0000% | 5,167 |
| Earnings coverage of net charge-offs (x) | 6.7596% | 3,008 |
| Efficiency ratio | 87.1775% | 920 |
| Assets per employee ($millions) | 3.4005% | 4,981 |
| Cash dividends to net income (ytd only)* | 3.3182% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 5,836 |
| Loan loss allowance to noncurrent loans | 20.3351% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1701% | 2,024 |
| Noncurrent loans to loans | 3.1443% | 537 |
| Net loans and leases to total assets | 36.9746% | 5,751 |
| Net loans and leases to deposits | 44.1065% | 5,718 |
| Net loans and leases to core deposits | 47.8613% | 5,662 |
| Total domestic deposits to total assets | 83.8301% | 3,497 |
| Equity capital to assets | 13.9536% | 1,041 |
| Core capital (leverage) ratio | 13.5174% | 1,010 |
| Tier 1 risk-based capital ratio | 32.7599% | 421 |
| Total risk-based capital ratio | 33.3362% | 433 |
| Memoranda: | ||
| Average total assets | $110,827,000 | 4,293 |
| Average earning assets | $105,025,500 | 4,208 |
| Average equity | $15,312,250 | 3,822 |
| Average total loans | $42,481,000 | 4,972 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 5,509 |
| Cost of funding earning assets | 0.5433% | 1,876 |
| Net interest margin | 2.7187% | 5,744 |
| Noninterest income to average assets | 0.6723% | 2,342 |
| Noninterest expense to average assets | 2.7110% | 3,561 |
| Loan and lease loss provision to assets | -0.0036% | 5,937 |
| Net operating income to assets | 0.4812% | 4,846 |
| Return on assets (ROA) | 0.5473% | 4,678 |
| Pretax return on assets | 0.6143% | 4,943 |
| Return on Equity (ROE) | 3.9745% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.7902% | 3,595 |
| Net charge-offs to loans | 0.1685% | 1,457 |
| Credit loss provision to net charge-offs | -5.5556% | 4,678 |
| Earnings coverage of net charge-offs (x) | 8.2222% | 2,586 |
| Efficiency ratio | 83.4821% | 1,317 |
| Assets per employee ($millions) | 3.3770% | 5,030 |
| Cash dividends to net income (ytd only)* | 4.6358% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 5,309 |
| Loan loss allowance to noncurrent loans | 272.4638% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 5,372 |
| Noncurrent loans to loans | 0.3293% | 4,513 |
| Net loans and leases to total assets | 37.2628% | 5,766 |
| Net loans and leases to deposits | 43.4978% | 5,784 |
| Net loans and leases to core deposits | 47.1388% | 5,722 |
| Total domestic deposits to total assets | 85.6660% | 2,850 |
| Equity capital to assets | 13.6404% | 1,114 |
| Core capital (leverage) ratio | 13.4343% | 1,006 |
| Tier 1 risk-based capital ratio | 33.0596% | 423 |
| Total risk-based capital ratio | 33.8851% | 430 |
| Memoranda: | ||
| Average total assets | $110,364,330 | 4,335 |
| Average earning assets | $104,537,000 | 4,257 |
| Average equity | $15,197,000 | 3,855 |
| Average total loans | $42,722,000 | 5,000 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 5,459 |
| Cost of funding earning assets | 0.5425% | 1,910 |
| Net interest margin | 2.7547% | 5,732 |
| Noninterest income to average assets | 0.8668% | 1,510 |
| Noninterest expense to average assets | 2.7207% | 3,516 |
| Loan and lease loss provision to assets | 0.0656% | 2,626 |
| Net operating income to assets | 0.6311% | 4,140 |
| Return on assets (ROA) | 0.7685% | 3,573 |
| Pretax return on assets | 0.8377% | 4,107 |
| Return on Equity (ROE) | 5.5545% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.5545% | 2,748 |
| Net charge-offs to loans | 0.3339% | 728 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,359 |
| Efficiency ratio | 78.3019% | 2,146 |
| Assets per employee ($millions) | 3.3728% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 5,314 |
| Loan loss allowance to noncurrent loans | 135.6164% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 4,892 |
| Noncurrent loans to loans | 0.6897% | 3,551 |
| Net loans and leases to total assets | 37.6818% | 5,737 |
| Net loans and leases to deposits | 44.0969% | 5,757 |
| Net loans and leases to core deposits | 47.9424% | 5,674 |
| Total domestic deposits to total assets | 85.4523% | 3,198 |
| Equity capital to assets | 13.9304% | 1,007 |
| Core capital (leverage) ratio | 13.5949% | 941 |
| Tier 1 risk-based capital ratio | 32.3606% | 447 |
| Total risk-based capital ratio | 33.2160% | 456 |
| Memoranda: | ||
| Average total assets | $109,826,000 | 4,370 |
| Average earning assets | $103,968,000 | 4,301 |
| Average equity | $15,195,000 | 3,889 |
| Average total loans | $43,132,000 | 5,014 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4795% | 5,364 |
| Cost of funding earning assets | 0.5799% | 1,952 |
| Net interest margin | 2.8996% | 5,646 |
| Noninterest income to average assets | 0.4689% | 3,718 |
| Noninterest expense to average assets | 2.8989% | 3,154 |
| Loan and lease loss provision to assets | 0.0348% | 3,895 |
| Net operating income to assets | 0.1883% | 5,791 |
| Return on assets (ROA) | 0.1883% | 5,840 |
| Pretax return on assets | 0.2561% | 5,779 |
| Return on Equity (ROE) | 1.3779% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.1850% | 5,245 |
| Net charge-offs to loans | 0.1690% | 2,343 |
| Credit loss provision to net charge-offs | 49.3333% | 3,498 |
| Earnings coverage of net charge-offs (x) | 4.1200% | 3,734 |
| Efficiency ratio | 90.8796% | 793 |
| Assets per employee ($millions) | 3.3859% | 5,094 |
| Cash dividends to net income (ytd only)* | 14.0000% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 5,320 |
| Loan loss allowance to noncurrent loans | 116.6197% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 4,732 |
| Noncurrent loans to loans | 0.8082% | 3,290 |
| Net loans and leases to total assets | 40.1600% | 5,731 |
| Net loans and leases to deposits | 46.9533% | 5,750 |
| Net loans and leases to core deposits | 50.8793% | 5,672 |
| Total domestic deposits to total assets | 85.5319% | 3,061 |
| Equity capital to assets | 13.7380% | 1,052 |
| Core capital (leverage) ratio | 13.6295% | 928 |
| Tier 1 risk-based capital ratio | 31.8505% | 435 |
| Total risk-based capital ratio | 32.7313% | 445 |
| Memoranda: | ||
| Average total assets | $106,211,000 | 4,450 |
| Average earning assets | $99,670,000 | 4,396 |
| Average equity | $14,515,000 | 3,934 |
| Average total loans | $44,378,200 | 5,021 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4836% | 5,434 |
| Cost of funding earning assets | 0.5853% | 1,967 |
| Net interest margin | 2.8983% | 5,705 |
| Noninterest income to average assets | 0.4693% | 3,741 |
| Noninterest expense to average assets | 2.8476% | 3,295 |
| Loan and lease loss provision to assets | 0.0151% | 4,112 |
| Net operating income to assets | 0.2561% | 5,724 |
| Return on assets (ROA) | 0.2561% | 5,784 |
| Pretax return on assets | 0.3243% | 5,726 |
| Return on Equity (ROE) | 1.8767% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.7472% | 5,177 |
| Net charge-offs to loans | 0.1349% | 2,446 |
| Credit loss provision to net charge-offs | 26.6667% | 3,498 |
| Earnings coverage of net charge-offs (x) | 5.9777% | 3,159 |
| Efficiency ratio | 89.3508% | 888 |
| Assets per employee ($millions) | 3.3056% | 5,228 |
| Cash dividends to net income (ytd only)* | 6.8980% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 5,449 |
| Loan loss allowance to noncurrent loans | 103.2020% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 4,808 |
| Noncurrent loans to loans | 0.9156% | 3,273 |
| Net loans and leases to total assets | 40.2658% | 5,796 |
| Net loans and leases to deposits | 46.9258% | 5,826 |
| Net loans and leases to core deposits | 50.6849% | 5,756 |
| Total domestic deposits to total assets | 85.8074% | 2,953 |
| Equity capital to assets | 13.4491% | 1,207 |
| Core capital (leverage) ratio | 13.9009% | 871 |
| Tier 1 risk-based capital ratio | 31.6905% | 452 |
| Total risk-based capital ratio | 32.5764% | 456 |
| Memoranda: | ||
| Average total assets | $105,676,500 | 4,506 |
| Average earning assets | $99,089,250 | 4,457 |
| Average equity | $14,422,500 | 3,976 |
| Average total loans | $44,491,000 | 5,071 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 5,415 |
| Cost of funding earning assets | 0.5938% | 1,947 |
| Net interest margin | 2.9041% | 5,729 |
| Noninterest income to average assets | 0.4668% | 3,739 |
| Noninterest expense to average assets | 2.8410% | 3,369 |
| Loan and lease loss provision to assets | 0.0230% | 3,817 |
| Net operating income to assets | 0.2659% | 5,677 |
| Return on assets (ROA) | 0.2659% | 5,750 |
| Pretax return on assets | 0.3348% | 5,715 |
| Return on Equity (ROE) | 1.9387% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.7434% | 5,028 |
| Net charge-offs to loans | 0.1437% | 2,236 |
| Credit loss provision to net charge-offs | 37.5000% | 2,957 |
| Earnings coverage of net charge-offs (x) | 5.8438% | 2,862 |
| Efficiency ratio | 88.8158% | 1,011 |
| Assets per employee ($millions) | 3.2044% | 5,420 |
| Cash dividends to net income (ytd only)* | 10.0719% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 5,449 |
| Loan loss allowance to noncurrent loans | 144.0000% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 5,231 |
| Noncurrent loans to loans | 0.6782% | 4,018 |
| Net loans and leases to total assets | 41.4257% | 5,715 |
| Net loans and leases to deposits | 49.5408% | 5,666 |
| Net loans and leases to core deposits | 53.7576% | 5,569 |
| Total domestic deposits to total assets | 83.6192% | 4,067 |
| Equity capital to assets | 13.8795% | 1,025 |
| Core capital (leverage) ratio | 13.9807% | 835 |
| Tier 1 risk-based capital ratio | 32.1978% | 438 |
| Total risk-based capital ratio | 33.1298% | 440 |
| Memoranda: | ||
| Average total assets | $104,540,330 | 4,567 |
| Average earning assets | $98,344,670 | 4,517 |
| Average equity | $14,339,670 | 3,978 |
| Average total loans | $44,540,330 | 5,099 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4747% | 5,493 |
| Cost of funding earning assets | 0.5832% | 2,134 |
| Net interest margin | 2.8915% | 5,771 |
| Noninterest income to average assets | 0.4426% | 3,844 |
| Noninterest expense to average assets | 2.7786% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3233% | 5,416 |
| Return on assets (ROA) | 0.3233% | 5,468 |
| Pretax return on assets | 0.3925% | 5,483 |
| Return on Equity (ROE) | 2.3710% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.3710% | 4,650 |
| Net charge-offs to loans | 0.1074% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,016 |
| Efficiency ratio | 87.6214% | 1,270 |
| Assets per employee ($millions) | 3.2963% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 5,558 |
| Loan loss allowance to noncurrent loans | 151.2027% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 5,336 |
| Noncurrent loans to loans | 0.6563% | 4,221 |
| Net loans and leases to total assets | 41.6189% | 5,698 |
| Net loans and leases to deposits | 48.5442% | 5,698 |
| Net loans and leases to core deposits | 52.5730% | 5,585 |
| Total domestic deposits to total assets | 85.7339% | 3,501 |
| Equity capital to assets | 13.6280% | 1,065 |
| Core capital (leverage) ratio | 14.1343% | 780 |
| Tier 1 risk-based capital ratio | 31.9948% | 446 |
| Total risk-based capital ratio | 32.9406% | 452 |
| Memoranda: | ||
| Average total assets | $103,937,500 | 4,631 |
| Average earning assets | $98,081,000 | 4,563 |
| Average equity | $14,171,000 | 4,015 |
| Average total loans | $44,691,500 | 5,135 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 5,573 |
| Cost of funding earning assets | 0.6069% | 2,598 |
| Net interest margin | 2.9258% | 5,739 |
| Noninterest income to average assets | 0.5027% | 3,739 |
| Noninterest expense to average assets | 3.0207% | 2,992 |
| Loan and lease loss provision to assets | 0.0903% | 3,301 |
| Net operating income to assets | 0.0798% | 6,081 |
| Return on assets (ROA) | 0.0798% | 6,133 |
| Pretax return on assets | 0.1492% | 6,016 |
| Return on Equity (ROE) | 0.5724% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.3816% | 5,675 |
| Net charge-offs to loans | 0.0895% | 3,954 |
| Credit loss provision to net charge-offs | 243.5897% | 939 |
| Earnings coverage of net charge-offs (x) | 6.4615% | 3,059 |
| Efficiency ratio | 92.6552% | 832 |
| Assets per employee ($millions) | 3.1998% | 5,488 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 5,544 |
| Loan loss allowance to noncurrent loans | 179.3651% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 5,531 |
| Noncurrent loans to loans | 0.5595% | 4,589 |
| Net loans and leases to total assets | 43.5485% | 5,716 |
| Net loans and leases to deposits | 51.1066% | 5,685 |
| Net loans and leases to core deposits | 55.3809% | 5,587 |
| Total domestic deposits to total assets | 85.2110% | 3,634 |
| Equity capital to assets | 13.6404% | 1,019 |
| Core capital (leverage) ratio | 14.2020% | 771 |
| Tier 1 risk-based capital ratio | 31.4605% | 447 |
| Total risk-based capital ratio | 32.4213% | 452 |
| Memoranda: | ||
| Average total assets | $105,239,200 | 4,618 |
| Average earning assets | $99,188,000 | 4,534 |
| Average equity | $14,675,600 | 3,928 |
| Average total loans | $43,580,600 | 5,214 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 5,687 |
| Cost of funding earning assets | 0.6048% | 2,770 |
| Net interest margin | 2.8945% | 5,830 |
| Noninterest income to average assets | 0.5235% | 3,643 |
| Noninterest expense to average assets | 2.9485% | 3,145 |
| Loan and lease loss provision to assets | 0.0956% | 3,165 |
| Net operating income to assets | 0.1397% | 6,055 |
| Return on assets (ROA) | 0.1397% | 6,126 |
| Pretax return on assets | 0.2076% | 6,026 |
| Return on Equity (ROE) | 0.9964% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.8707% | 5,629 |
| Net charge-offs to loans | 0.0525% | 4,155 |
| Credit loss provision to net charge-offs | 447.0588% | 595 |
| Earnings coverage of net charge-offs (x) | 14.1742% | 1,963 |
| Efficiency ratio | 90.6734% | 940 |
| Assets per employee ($millions) | 3.2344% | 5,417 |
| Cash dividends to net income (ytd only)* | 12.6149% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 5,741 |
| Loan loss allowance to noncurrent loans | 184.9593% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 5,733 |
| Noncurrent loans to loans | 0.5386% | 4,847 |
| Net loans and leases to total assets | 43.6900% | 5,747 |
| Net loans and leases to deposits | 52.5093% | 5,673 |
| Net loans and leases to core deposits | 56.4192% | 5,587 |
| Total domestic deposits to total assets | 83.2042% | 4,496 |
| Equity capital to assets | 13.8896% | 995 |
| Core capital (leverage) ratio | 14.1830% | 824 |
| Tier 1 risk-based capital ratio | 31.1119% | 470 |
| Total risk-based capital ratio | 32.0657% | 479 |
| Memoranda: | ||
| Average total assets | $105,950,500 | 4,642 |
| Average earning assets | $99,865,500 | 4,564 |
| Average equity | $14,852,750 | 3,942 |
| Average total loans | $43,215,000 | 5,271 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4290% | 5,843 |
| Cost of funding earning assets | 0.6072% | 2,875 |
| Net interest margin | 2.8218% | 5,960 |
| Noninterest income to average assets | 0.5189% | 3,707 |
| Noninterest expense to average assets | 2.9091% | 3,299 |
| Loan and lease loss provision to assets | 0.0880% | 3,321 |
| Net operating income to assets | 0.1180% | 6,090 |
| Return on assets (ROA) | 0.1180% | 6,186 |
| Pretax return on assets | 0.1855% | 6,104 |
| Return on Equity (ROE) | 0.8393% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.6528% | 5,640 |
| Net charge-offs to loans | 0.0142% | 4,565 |
| Credit loss provision to net charge-offs | 1,566.6667% | 205 |
| Earnings coverage of net charge-offs (x) | 48.6667% | 816 |
| Efficiency ratio | 91.4067% | 942 |
| Assets per employee ($millions) | 3.2202% | 5,432 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 5,938 |
| Loan loss allowance to noncurrent loans | 145.6954% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 5,590 |
| Noncurrent loans to loans | 0.6637% | 4,614 |
| Net loans and leases to total assets | 43.7323% | 5,762 |
| Net loans and leases to deposits | 51.2073% | 5,755 |
| Net loans and leases to core deposits | 54.9601% | 5,676 |
| Total domestic deposits to total assets | 85.4025% | 3,694 |
| Equity capital to assets | 13.9386% | 988 |
| Core capital (leverage) ratio | 13.6071% | 938 |
| Tier 1 risk-based capital ratio | 31.7059% | 449 |
| Total risk-based capital ratio | 32.6489% | 456 |
| Memoranda: | ||
| Average total assets | $106,766,670 | 4,648 |
| Average earning assets | $100,788,330 | 4,561 |
| Average equity | $15,011,670 | 3,941 |
| Average total loans | $42,395,000 | 5,322 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3973% | 5,948 |
| Cost of funding earning assets | 0.5979% | 3,128 |
| Net interest margin | 2.7994% | 6,037 |
| Noninterest income to average assets | 0.4750% | 3,961 |
| Noninterest expense to average assets | 2.8980% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1657% | 5,992 |
| Return on assets (ROA) | 0.1657% | 6,096 |
| Pretax return on assets | 0.2320% | 6,017 |
| Return on Equity (ROE) | 1.1737% | 6,179 |
| Retained earnings to average equity (ytd only) | 1.1737% | 5,380 |
| Net charge-offs to loans | -0.0686% | 6,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5882% | 940 |
| Assets per employee ($millions) | 3.3170% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 5,992 |
| Loan loss allowance to noncurrent loans | 126.7296% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 5,702 |
| Noncurrent loans to loans | 0.7875% | 4,547 |
| Net loans and leases to total assets | 36.5232% | 6,259 |
| Net loans and leases to deposits | 42.7537% | 6,282 |
| Net loans and leases to core deposits | 45.6017% | 6,233 |
| Total domestic deposits to total assets | 85.4269% | 3,830 |
| Equity capital to assets | 13.9966% | 1,026 |
| Core capital (leverage) ratio | 13.5970% | 911 |
| Tier 1 risk-based capital ratio | 32.9025% | 418 |
| Total risk-based capital ratio | 33.7991% | 422 |
| Memoranda: | ||
| Average total assets | $108,627,500 | 4,645 |
| Average earning assets | $103,022,500 | 4,539 |
| Average equity | $15,336,000 | 3,938 |
| Average total loans | $40,840,500 | 5,428 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 6,232 |
| Cost of funding earning assets | 0.7077% | 3,438 |
| Net interest margin | 2.8883% | 6,245 |
| Noninterest income to average assets | 0.4973% | 3,926 |
| Noninterest expense to average assets | 3.1355% | 2,826 |
| Loan and lease loss provision to assets | 1.0995% | 346 |
| Net operating income to assets | -1.0405% | 6,756 |
| Return on assets (ROA) | -0.8481% | 6,713 |
| Pretax return on assets | -0.8168% | 6,678 |
| Return on Equity (ROE) | -5.8395% | 6,621 |
| Retained earnings to average equity (ytd only) | -6.0170% | 6,481 |
| Net charge-offs to loans | 2.8966% | 184 |
| Credit loss provision to net charge-offs | 93.6471% | 3,326 |
| Earnings coverage of net charge-offs (x) | 0.0769% | 5,453 |
| Efficiency ratio | 97.2024% | 653 |
| Assets per employee ($millions) | 3.2665% | 5,477 |
| Cash dividends to net income (ytd only)* | -3.0402% | 7,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 6,099 |
| Loan loss allowance to noncurrent loans | 124.5283% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 5,795 |
| Noncurrent loans to loans | 0.7700% | 4,644 |
| Net loans and leases to total assets | 37.9459% | 6,313 |
| Net loans and leases to deposits | 44.5960% | 6,337 |
| Net loans and leases to core deposits | 46.6753% | 6,341 |
| Total domestic deposits to total assets | 85.0881% | 3,823 |
| Equity capital to assets | 14.2412% | 959 |
| Core capital (leverage) ratio | 13.6700% | 893 |
| Tier 1 risk-based capital ratio | 32.0146% | 431 |
| Total risk-based capital ratio | 32.8745% | 438 |
| Memoranda: | ||
| Average total assets | $108,596,600 | 4,623 |
| Average earning assets | $102,587,800 | 4,528 |
| Average equity | $15,772,000 | 3,816 |
| Average total loans | $44,017,000 | 5,327 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 6,279 |
| Cost of funding earning assets | 0.7224% | 3,575 |
| Net interest margin | 2.9468% | 6,280 |
| Noninterest income to average assets | 0.5000% | 3,929 |
| Noninterest expense to average assets | 3.0478% | 3,068 |
| Loan and lease loss provision to assets | 1.4632% | 221 |
| Net operating income to assets | -1.2721% | 6,921 |
| Return on assets (ROA) | -1.0159% | 6,892 |
| Pretax return on assets | -0.9755% | 6,859 |
| Return on Equity (ROE) | -6.9616% | 6,785 |
| Retained earnings to average equity (ytd only) | -7.0791% | 6,718 |
| Net charge-offs to loans | 2.4043% | 264 |
| Credit loss provision to net charge-offs | 148.1390% | 1,916 |
| Earnings coverage of net charge-offs (x) | 0.2345% | 5,210 |
| Efficiency ratio | 92.9372% | 834 |
| Assets per employee ($millions) | 3.2865% | 5,465 |
| Cash dividends to net income (ytd only)* | -1.6891% | 7,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0150% | 2,124 |
| Loan loss allowance to noncurrent loans | 55.5199% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 3,449 |
| Noncurrent loans to loans | 3.6292% | 1,490 |
| Net loans and leases to total assets | 38.7844% | 6,370 |
| Net loans and leases to deposits | 45.6424% | 6,411 |
| Net loans and leases to core deposits | 48.7484% | 6,365 |
| Total domestic deposits to total assets | 84.9746% | 3,753 |
| Equity capital to assets | 14.3109% | 1,035 |
| Core capital (leverage) ratio | 14.3512% | 742 |
| Tier 1 risk-based capital ratio | 31.4352% | 463 |
| Total risk-based capital ratio | 32.7117% | 459 |
| Memoranda: | ||
| Average total assets | $108,797,500 | 4,668 |
| Average earning assets | $102,616,250 | 4,585 |
| Average equity | $15,877,250 | 3,836 |
| Average total loans | $44,696,500 | 5,361 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 6,165 |
| Cost of funding earning assets | 0.7476% | 3,619 |
| Net interest margin | 3.0411% | 6,141 |
| Noninterest income to average assets | 0.5105% | 3,858 |
| Noninterest expense to average assets | 2.9786% | 3,338 |
| Loan and lease loss provision to assets | 0.9439% | 482 |
| Net operating income to assets | -0.6005% | 6,781 |
| Return on assets (ROA) | -0.5803% | 6,799 |
| Pretax return on assets | -0.5234% | 6,750 |
| Return on Equity (ROE) | -3.9510% | 6,722 |
| Retained earnings to average equity (ytd only) | -4.1260% | 6,557 |
| Net charge-offs to loans | 2.4997% | 283 |
| Credit loss provision to net charge-offs | 90.8127% | 3,027 |
| Earnings coverage of net charge-offs (x) | 0.3852% | 4,889 |
| Efficiency ratio | 88.1522% | 1,224 |
| Assets per employee ($millions) | 3.1353% | 5,776 |
| Cash dividends to net income (ytd only)* | -4.4304% | 7,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,212 |
| Loan loss allowance to noncurrent loans | 24.2857% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6914% | 3,182 |
| Noncurrent loans to loans | 4.0588% | 1,351 |
| Net loans and leases to total assets | 41.2617% | 6,253 |
| Net loans and leases to deposits | 49.2632% | 6,222 |
| Net loans and leases to core deposits | 52.8393% | 6,174 |
| Total domestic deposits to total assets | 83.7576% | 4,417 |
| Equity capital to assets | 15.5436% | 668 |
| Core capital (leverage) ratio | 14.9993% | 600 |
| Tier 1 risk-based capital ratio | 32.0316% | 437 |
| Total risk-based capital ratio | 32.9177% | 446 |
| Memoranda: | ||
| Average total assets | $108,911,330 | 4,692 |
| Average earning assets | $102,725,670 | 4,611 |
| Average equity | $15,996,000 | 3,801 |
| Average total loans | $45,285,670 | 5,367 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8015% | 6,239 |
| Cost of funding earning assets | 0.7931% | 3,530 |
| Net interest margin | 3.0084% | 6,280 |
| Noninterest income to average assets | 0.4658% | 4,182 |
| Noninterest expense to average assets | 2.7447% | 4,264 |
| Loan and lease loss provision to assets | 1.7235% | 186 |
| Net operating income to assets | -1.2398% | 7,037 |
| Return on assets (ROA) | -1.2398% | 7,052 |
| Pretax return on assets | -1.1753% | 7,016 |
| Return on Equity (ROE) | -8.6755% | 6,967 |
| Retained earnings to average equity (ytd only) | -8.6755% | 6,795 |
| Net charge-offs to loans | 0.0431% | 4,086 |
| Credit loss provision to net charge-offs | 9,620.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 30.6000% | 907 |
| Efficiency ratio | 83.3515% | 1,750 |
| Assets per employee ($millions) | 3.2408% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1166% | 2,063 |
| Loan loss allowance to noncurrent loans | 42.3179% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.1058% | 2,770 |
| Noncurrent loans to loans | 5.0017% | 1,121 |
| Net loans and leases to total assets | 41.2100% | 6,251 |
| Net loans and leases to deposits | 48.7037% | 6,251 |
| Net loans and leases to core deposits | 55.4128% | 5,956 |
| Total domestic deposits to total assets | 84.6136% | 4,207 |
| Equity capital to assets | 14.7581% | 792 |
| Core capital (leverage) ratio | 13.4384% | 974 |
| Tier 1 risk-based capital ratio | 30.5632% | 501 |
| Total risk-based capital ratio | 31.8218% | 494 |
| Memoranda: | ||
| Average total assets | $111,635,000 | 4,666 |
| Average earning assets | $104,906,500 | 4,574 |
| Average equity | $15,953,000 | 3,824 |
| Average total loans | $46,370,500 | 5,365 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 6,027 |
| Cost of funding earning assets | 0.9089% | 4,061 |
| Net interest margin | 3.3010% | 5,800 |
| Noninterest income to average assets | 0.4891% | 3,929 |
| Noninterest expense to average assets | 2.8543% | 4,151 |
| Loan and lease loss provision to assets | 0.0286% | 6,213 |
| Net operating income to assets | 0.5897% | 4,055 |
| Return on assets (ROA) | 0.5108% | 4,584 |
| Pretax return on assets | 0.6129% | 4,653 |
| Return on Equity (ROE) | 3.8028% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.6223% | 3,632 |
| Net charge-offs to loans | 0.1841% | 4,672 |
| Credit loss provision to net charge-offs | 35.4839% | 5,706 |
| Earnings coverage of net charge-offs (x) | 8.9355% | 2,062 |
| Efficiency ratio | 79.8692% | 2,320 |
| Assets per employee ($millions) | 3.5250% | 4,952 |
| Cash dividends to net income (ytd only)* | 4.7458% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,220 |
| Loan loss allowance to noncurrent loans | 146.3190% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 6,261 |
| Noncurrent loans to loans | 0.6832% | 5,334 |
| Net loans and leases to total assets | 40.6095% | 6,504 |
| Net loans and leases to deposits | 47.5026% | 6,529 |
| Net loans and leases to core deposits | 64.2961% | 5,436 |
| Total domestic deposits to total assets | 85.4889% | 3,600 |
| Equity capital to assets | 13.8603% | 1,120 |
| Core capital (leverage) ratio | 13.5016% | 962 |
| Tier 1 risk-based capital ratio | 29.6604% | 532 |
| Total risk-based capital ratio | 30.5619% | 541 |
| Memoranda: | ||
| Average total assets | $115,510,000 | 4,512 |
| Average earning assets | $107,936,600 | 4,449 |
| Average equity | $15,514,800 | 3,814 |
| Average total loans | $50,505,400 | 5,247 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 6,116 |
| Cost of funding earning assets | 0.9366% | 4,144 |
| Net interest margin | 3.3010% | 5,855 |
| Noninterest income to average assets | 0.5643% | 3,412 |
| Noninterest expense to average assets | 2.7647% | 4,481 |
| Loan and lease loss provision to assets | 0.0150% | 6,244 |
| Net operating income to assets | 0.7452% | 3,406 |
| Return on assets (ROA) | 0.7481% | 3,554 |
| Pretax return on assets | 0.8649% | 3,896 |
| Return on Equity (ROE) | 5.6152% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.4937% | 2,865 |
| Net charge-offs to loans | 0.1198% | 4,830 |
| Credit loss provision to net charge-offs | 28.2609% | 5,437 |
| Earnings coverage of net charge-offs (x) | 16.4787% | 1,398 |
| Efficiency ratio | 75.9289% | 2,853 |
| Assets per employee ($millions) | 3.3383% | 5,394 |
| Cash dividends to net income (ytd only)* | 2.1643% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,059 |
| Loan loss allowance to noncurrent loans | 164.1694% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 5,789 |
| Noncurrent loans to loans | 0.6381% | 5,611 |
| Net loans and leases to total assets | 40.7432% | 6,581 |
| Net loans and leases to deposits | 47.7291% | 6,634 |
| Net loans and leases to core deposits | 60.2194% | 5,976 |
| Total domestic deposits to total assets | 85.3636% | 3,575 |
| Equity capital to assets | 13.9508% | 1,173 |
| Core capital (leverage) ratio | 13.4746% | 1,054 |
| Tier 1 risk-based capital ratio | 29.1017% | 594 |
| Total risk-based capital ratio | 30.0321% | 596 |
| Memoranda: | ||
| Average total assets | $115,306,250 | 4,545 |
| Average earning assets | $107,479,750 | 4,497 |
| Average equity | $15,362,750 | 3,847 |
| Average total loans | $51,202,750 | 5,264 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 5,998 |
| Cost of funding earning assets | 0.9703% | 4,169 |
| Net interest margin | 3.3381% | 5,748 |
| Noninterest income to average assets | 0.6150% | 3,037 |
| Noninterest expense to average assets | 2.7092% | 4,786 |
| Loan and lease loss provision to assets | 0.0226% | 6,011 |
| Net operating income to assets | 0.8978% | 2,648 |
| Return on assets (ROA) | 0.9025% | 2,736 |
| Pretax return on assets | 1.0053% | 3,218 |
| Return on Equity (ROE) | 6.8836% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.6975% | 2,024 |
| Net charge-offs to loans | 0.0536% | 5,115 |
| Credit loss provision to net charge-offs | 92.8571% | 3,382 |
| Earnings coverage of net charge-offs (x) | 41.9286% | 718 |
| Efficiency ratio | 72.5957% | 3,620 |
| Assets per employee ($millions) | 3.3288% | 5,370 |
| Cash dividends to net income (ytd only)* | 2.7027% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 6,113 |
| Loan loss allowance to noncurrent loans | 169.0852% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 5,858 |
| Noncurrent loans to loans | 0.6245% | 5,677 |
| Net loans and leases to total assets | 43.1116% | 6,512 |
| Net loans and leases to deposits | 50.2451% | 6,574 |
| Net loans and leases to core deposits | 63.7727% | 5,747 |
| Total domestic deposits to total assets | 85.8026% | 3,441 |
| Equity capital to assets | 13.5254% | 1,276 |
| Core capital (leverage) ratio | 13.6621% | 949 |
| Tier 1 risk-based capital ratio | 27.6561% | 687 |
| Total risk-based capital ratio | 28.6043% | 694 |
| Memoranda: | ||
| Average total assets | $114,795,330 | 4,593 |
| Average earning assets | $107,185,330 | 4,529 |
| Average equity | $15,050,330 | 3,896 |
| Average total loans | $52,234,330 | 5,275 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 6,008 |
| Cost of funding earning assets | 1.0106% | 4,125 |
| Net interest margin | 3.2939% | 5,800 |
| Noninterest income to average assets | 0.4564% | 4,220 |
| Noninterest expense to average assets | 2.6716% | 4,958 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7688% | 3,176 |
| Return on assets (ROA) | 0.7688% | 3,248 |
| Pretax return on assets | 0.8741% | 3,598 |
| Return on Equity (ROE) | 5.9606% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.9606% | 2,665 |
| Net charge-offs to loans | 0.0831% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 22.6364% | 1,047 |
| Efficiency ratio | 75.3465% | 3,274 |
| Assets per employee ($millions) | 3.3427% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,366 |
| Loan loss allowance to noncurrent loans | 604.5977% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 6,350 |
| Noncurrent loans to loans | 0.1667% | 6,638 |
| Net loans and leases to total assets | 45.4647% | 6,335 |
| Net loans and leases to deposits | 52.6964% | 6,423 |
| Net loans and leases to core deposits | 67.8360% | 5,309 |
| Total domestic deposits to total assets | 86.2766% | 3,344 |
| Equity capital to assets | 13.1039% | 1,341 |
| Core capital (leverage) ratio | 13.3488% | 1,011 |
| Tier 1 risk-based capital ratio | 26.4003% | 749 |
| Total risk-based capital ratio | 27.3049% | 766 |
| Memoranda: | ||
| Average total assets | $113,939,500 | 4,650 |
| Average earning assets | $106,864,500 | 4,565 |
| Average equity | $14,696,500 | 3,959 |
| Average total loans | $52,969,500 | 5,289 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 6,149 |
| Cost of funding earning assets | 1.3645% | 3,488 |
| Net interest margin | 3.2226% | 6,216 |
| Noninterest income to average assets | 0.4526% | 4,497 |
| Noninterest expense to average assets | 2.9202% | 4,142 |
| Loan and lease loss provision to assets | 0.0690% | 6,458 |
| Net operating income to assets | 0.3607% | 4,707 |
| Return on assets (ROA) | 0.3630% | 4,856 |
| Pretax return on assets | 0.4813% | 4,687 |
| Return on Equity (ROE) | 2.7052% | 5,090 |
| Retained earnings to average equity (ytd only) | 2.5181% | 4,111 |
| Net charge-offs to loans | 0.1462% | 5,480 |
| Credit loss provision to net charge-offs | 97.4684% | 4,756 |
| Earnings coverage of net charge-offs (x) | 7.5443% | 2,115 |
| Efficiency ratio | 84.5355% | 1,856 |
| Assets per employee ($millions) | 3.3596% | 5,277 |
| Cash dividends to net income (ytd only)* | 6.9136% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 6,396 |
| Loan loss allowance to noncurrent loans | 571.2766% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 6,398 |
| Noncurrent loans to loans | 0.1749% | 6,716 |
| Net loans and leases to total assets | 46.5778% | 6,512 |
| Net loans and leases to deposits | 53.8529% | 6,617 |
| Net loans and leases to core deposits | 69.6087% | 5,482 |
| Total domestic deposits to total assets | 86.4908% | 3,085 |
| Equity capital to assets | 12.6941% | 1,534 |
| Core capital (leverage) ratio | 13.1509% | 1,078 |
| Tier 1 risk-based capital ratio | 25.7067% | 786 |
| Total risk-based capital ratio | 26.6190% | 787 |
| Memoranda: | ||
| Average total assets | $111,568,000 | 4,672 |
| Average earning assets | $103,922,000 | 4,607 |
| Average equity | $14,971,400 | 3,942 |
| Average total loans | $54,042,600 | 5,317 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 6,147 |
| Cost of funding earning assets | 1.4366% | 3,356 |
| Net interest margin | 3.2249% | 6,261 |
| Noninterest income to average assets | 0.4532% | 4,534 |
| Noninterest expense to average assets | 2.8048% | 4,470 |
| Loan and lease loss provision to assets | 0.0902% | 6,137 |
| Net operating income to assets | 0.4455% | 4,561 |
| Return on assets (ROA) | 0.4917% | 4,553 |
| Pretax return on assets | 0.6143% | 4,552 |
| Return on Equity (ROE) | 3.6140% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.4902% | 4,000 |
| Net charge-offs to loans | 0.1774% | 4,893 |
| Credit loss provision to net charge-offs | 104.1667% | 4,116 |
| Earnings coverage of net charge-offs (x) | 7.4721% | 2,325 |
| Efficiency ratio | 81.2609% | 2,159 |
| Assets per employee ($millions) | 3.4775% | 5,031 |
| Cash dividends to net income (ytd only)* | 3.4237% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,395 |
| Loan loss allowance to noncurrent loans | 448.7603% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 6,398 |
| Noncurrent loans to loans | 0.2229% | 6,732 |
| Net loans and leases to total assets | 46.8398% | 6,631 |
| Net loans and leases to deposits | 54.6443% | 6,721 |
| Net loans and leases to core deposits | 70.7552% | 5,674 |
| Total domestic deposits to total assets | 85.7176% | 3,237 |
| Equity capital to assets | 13.5051% | 1,347 |
| Core capital (leverage) ratio | 14.7401% | 769 |
| Tier 1 risk-based capital ratio | 25.7286% | 795 |
| Total risk-based capital ratio | 26.6507% | 810 |
| Memoranda: | ||
| Average total assets | $110,903,500 | 4,741 |
| Average earning assets | $103,111,500 | 4,691 |
| Average equity | $15,089,250 | 3,975 |
| Average total loans | $54,118,000 | 5,383 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 5,704 |
| Cost of funding earning assets | 1.5798% | 2,772 |
| Net interest margin | 3.2444% | 6,186 |
| Noninterest income to average assets | 0.4342% | 4,654 |
| Noninterest expense to average assets | 2.7951% | 4,501 |
| Loan and lease loss provision to assets | 0.0639% | 6,314 |
| Net operating income to assets | 0.4548% | 4,530 |
| Return on assets (ROA) | 0.4981% | 4,491 |
| Pretax return on assets | 0.6313% | 4,471 |
| Return on Equity (ROE) | 3.6514% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.4642% | 3,897 |
| Net charge-offs to loans | 0.1258% | 4,939 |
| Credit loss provision to net charge-offs | 102.9412% | 3,957 |
| Earnings coverage of net charge-offs (x) | 10.3235% | 1,906 |
| Efficiency ratio | 81.3595% | 2,247 |
| Assets per employee ($millions) | 3.3451% | 5,322 |
| Cash dividends to net income (ytd only)* | 5.1282% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,430 |
| Loan loss allowance to noncurrent loans | 540.0000% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 6,431 |
| Noncurrent loans to loans | 0.1843% | 6,887 |
| Net loans and leases to total assets | 48.6656% | 6,577 |
| Net loans and leases to deposits | 58.4610% | 6,544 |
| Net loans and leases to core deposits | 75.1353% | 5,304 |
| Total domestic deposits to total assets | 83.2446% | 4,469 |
| Equity capital to assets | 13.8638% | 1,216 |
| Core capital (leverage) ratio | 13.6717% | 1,010 |
| Tier 1 risk-based capital ratio | 25.7230% | 792 |
| Total risk-based capital ratio | 26.6482% | 797 |
| Memoranda: | ||
| Average total assets | $109,619,000 | 4,812 |
| Average earning assets | $101,405,000 | 4,765 |
| Average equity | $14,953,000 | 4,003 |
| Average total loans | $54,059,000 | 5,418 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 5,899 |
| Cost of funding earning assets | 1.6321% | 2,762 |
| Net interest margin | 3.1648% | 6,406 |
| Noninterest income to average assets | 0.4248% | 4,703 |
| Noninterest expense to average assets | 2.7757% | 4,582 |
| Loan and lease loss provision to assets | 0.0293% | 6,384 |
| Net operating income to assets | 0.3920% | 4,871 |
| Return on assets (ROA) | 0.4321% | 4,835 |
| Pretax return on assets | 0.5932% | 4,631 |
| Return on Equity (ROE) | 3.1940% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.1940% | 4,231 |
| Net charge-offs to loans | 0.0667% | 4,744 |
| Credit loss provision to net charge-offs | 88.8889% | 3,683 |
| Earnings coverage of net charge-offs (x) | 17.2222% | 1,295 |
| Efficiency ratio | 83.0230% | 2,141 |
| Assets per employee ($millions) | 3.3116% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 6,491 |
| Loan loss allowance to noncurrent loans | 532.6733% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 6,446 |
| Noncurrent loans to loans | 0.1872% | 6,968 |
| Net loans and leases to total assets | 48.8836% | 6,584 |
| Net loans and leases to deposits | 57.0518% | 6,694 |
| Net loans and leases to core deposits | 69.0863% | 5,993 |
| Total domestic deposits to total assets | 85.6829% | 3,326 |
| Equity capital to assets | 13.5860% | 1,289 |
| Core capital (leverage) ratio | 13.4687% | 1,090 |
| Tier 1 risk-based capital ratio | 25.5919% | 804 |
| Total risk-based capital ratio | 26.5177% | 816 |
| Memoranda: | ||
| Average total assets | $109,234,500 | 4,894 |
| Average earning assets | $100,731,500 | 4,854 |
| Average equity | $14,777,500 | 4,065 |
| Average total loans | $53,958,000 | 5,493 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 5,808 |
| Cost of funding earning assets | 1.8920% | 3,503 |
| Net interest margin | 3.2746% | 5,840 |
| Noninterest income to average assets | 0.3222% | 5,786 |
| Noninterest expense to average assets | 2.9830% | 4,220 |
| Loan and lease loss provision to assets | 0.1172% | 6,475 |
| Net operating income to assets | 0.2191% | 4,835 |
| Return on assets (ROA) | 0.4793% | 3,913 |
| Pretax return on assets | 0.6372% | 3,785 |
| Return on Equity (ROE) | 3.7095% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.5172% | 2,712 |
| Net charge-offs to loans | 0.3098% | 4,695 |
| Credit loss provision to net charge-offs | 76.7442% | 6,366 |
| Earnings coverage of net charge-offs (x) | 2.6453% | 3,794 |
| Efficiency ratio | 88.0765% | 1,873 |
| Assets per employee ($millions) | 3.1196% | 5,945 |
| Cash dividends to net income (ytd only)* | 5.1852% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 6,394 |
| Loan loss allowance to noncurrent loans | 445.4545% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 6,386 |
| Noncurrent loans to loans | 0.2243% | 6,870 |
| Net loans and leases to total assets | 48.9234% | 6,734 |
| Net loans and leases to deposits | 57.2013% | 6,834 |
| Net loans and leases to core deposits | 95.9737% | 4,471 |
| Total domestic deposits to total assets | 85.5285% | 3,275 |
| Equity capital to assets | 13.4705% | 1,335 |
| Core capital (leverage) ratio | 13.3043% | 1,154 |
| Tier 1 risk-based capital ratio | 24.8711% | 857 |
| Total risk-based capital ratio | 25.7796% | 873 |
| Memoranda: | ||
| Average total assets | $112,673,200 | 4,765 |
| Average earning assets | $105,446,400 | 4,694 |
| Average equity | $14,557,200 | 4,133 |
| Average total loans | $55,517,000 | 5,437 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2128% | 5,827 |
| Cost of funding earning assets | 1.9362% | 3,677 |
| Net interest margin | 3.2766% | 5,723 |
| Noninterest income to average assets | 0.4169% | 5,155 |
| Noninterest expense to average assets | 2.8875% | 4,513 |
| Loan and lease loss provision to assets | 0.1303% | 6,051 |
| Net operating income to assets | 0.4109% | 4,358 |
| Return on assets (ROA) | 0.8290% | 2,759 |
| Pretax return on assets | 0.9594% | 3,027 |
| Return on Equity (ROE) | 6.4831% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.3545% | 1,790 |
| Net charge-offs to loans | 0.3506% | 3,889 |
| Credit loss provision to net charge-offs | 75.5102% | 5,874 |
| Earnings coverage of net charge-offs (x) | 3.4965% | 3,508 |
| Efficiency ratio | 82.7111% | 2,475 |
| Assets per employee ($millions) | 3.2050% | 5,638 |
| Cash dividends to net income (ytd only)* | 1.9834% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,282 |
| Loan loss allowance to noncurrent loans | 372.6027% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 6,135 |
| Noncurrent loans to loans | 0.2686% | 6,836 |
| Net loans and leases to total assets | 47.9693% | 6,962 |
| Net loans and leases to deposits | 55.9943% | 7,090 |
| Net loans and leases to core deposits | 97.8310% | 4,622 |
| Total domestic deposits to total assets | 85.6681% | 2,875 |
| Equity capital to assets | 13.4066% | 1,533 |
| Core capital (leverage) ratio | 13.2480% | 1,307 |
| Tier 1 risk-based capital ratio | 24.3471% | 970 |
| Total risk-based capital ratio | 25.2339% | 978 |
| Memoranda: | ||
| Average total assets | $113,544,750 | 4,762 |
| Average earning assets | $106,530,000 | 4,689 |
| Average equity | $14,519,500 | 4,183 |
| Average total loans | $55,907,000 | 5,465 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 5,184 |
| Cost of funding earning assets | 1.9920% | 3,813 |
| Net interest margin | 3.4013% | 5,165 |
| Noninterest income to average assets | 0.4246% | 5,083 |
| Noninterest expense to average assets | 2.8193% | 4,873 |
| Loan and lease loss provision to assets | 0.0211% | 7,021 |
| Net operating income to assets | 0.7157% | 3,182 |
| Return on assets (ROA) | 1.3912% | 1,118 |
| Pretax return on assets | 1.4947% | 1,459 |
| Return on Equity (ROE) | 11.0551% | 1,689 |
| Retained earnings to average equity (ytd only) | 10.8599% | 583 |
| Net charge-offs to loans | 0.0992% | 5,172 |
| Credit loss provision to net charge-offs | 42.8571% | 5,862 |
| Earnings coverage of net charge-offs (x) | 16.0714% | 1,549 |
| Efficiency ratio | 78.1235% | 3,327 |
| Assets per employee ($millions) | 3.2236% | 5,526 |
| Cash dividends to net income (ytd only)* | 1.7654% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,261 |
| Loan loss allowance to noncurrent loans | 568.6869% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 6,170 |
| Noncurrent loans to loans | 0.1756% | 7,079 |
| Net loans and leases to total assets | 49.4726% | 6,920 |
| Net loans and leases to deposits | 57.5544% | 7,058 |
| Net loans and leases to core deposits | 104.4635% | 4,013 |
| Total domestic deposits to total assets | 85.9580% | 2,815 |
| Equity capital to assets | 13.1565% | 1,635 |
| Core capital (leverage) ratio | 13.2844% | 1,335 |
| Tier 1 risk-based capital ratio | 24.1112% | 1,023 |
| Total risk-based capital ratio | 25.0148% | 1,041 |
| Memoranda: | ||
| Average total assets | $114,001,000 | 4,775 |
| Average earning assets | $106,724,670 | 4,706 |
| Average equity | $14,346,330 | 4,230 |
| Average total loans | $56,424,670 | 5,492 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6085% | 4,300 |
| Cost of funding earning assets | 2.0242% | 4,013 |
| Net interest margin | 3.5844% | 4,385 |
| Noninterest income to average assets | 0.4643% | 4,643 |
| Noninterest expense to average assets | 2.7472% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9940% | 2,336 |
| Return on assets (ROA) | 1.0891% | 2,128 |
| Pretax return on assets | 1.1624% | 2,756 |
| Return on Equity (ROE) | 8.8526% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.8526% | 1,527 |
| Net charge-offs to loans | 0.1346% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,573 |
| Efficiency ratio | 72.1357% | 4,169 |
| Assets per employee ($millions) | 3.2148% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,253 |
| Loan loss allowance to noncurrent loans | 565.6566% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 5,942 |
| Noncurrent loans to loans | 0.1753% | 7,023 |
| Net loans and leases to total assets | 49.7036% | 6,890 |
| Net loans and leases to deposits | 57.8335% | 7,048 |
| Net loans and leases to core deposits | 105.2349% | 4,001 |
| Total domestic deposits to total assets | 85.9426% | 2,759 |
| Equity capital to assets | 12.7003% | 1,888 |
| Core capital (leverage) ratio | 12.3583% | 1,742 |
| Tier 1 risk-based capital ratio | 23.3875% | 1,153 |
| Total risk-based capital ratio | 24.2874% | 1,160 |
| Memoranda: | ||
| Average total assets | $114,588,500 | 4,788 |
| Average earning assets | $106,908,500 | 4,720 |
| Average equity | $14,097,500 | 4,312 |
| Average total loans | $56,446,500 | 5,527 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9242% | 5,928 |
| Cost of funding earning assets | 2.5149% | 4,125 |
| Net interest margin | 3.4093% | 5,624 |
| Noninterest income to average assets | 0.2928% | 6,370 |
| Noninterest expense to average assets | 2.7822% | 4,899 |
| Loan and lease loss provision to assets | 0.1282% | 5,726 |
| Net operating income to assets | 0.4955% | 4,758 |
| Return on assets (ROA) | 0.3820% | 5,038 |
| Pretax return on assets | 0.4530% | 5,116 |
| Return on Equity (ROE) | 3.1823% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.9802% | 3,318 |
| Net charge-offs to loans | 0.0929% | 5,403 |
| Credit loss provision to net charge-offs | 290.1961% | 1,564 |
| Earnings coverage of net charge-offs (x) | 16.2157% | 1,861 |
| Efficiency ratio | 79.5246% | 2,669 |
| Assets per employee ($millions) | 3.3331% | 5,134 |
| Cash dividends to net income (ytd only)* | 6.3492% | 4,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 5,804 |
| Loan loss allowance to noncurrent loans | 629.3478% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 5,756 |
| Noncurrent loans to loans | 0.1631% | 6,907 |
| Net loans and leases to total assets | 47.8562% | 7,201 |
| Net loans and leases to deposits | 58.3375% | 7,186 |
| Net loans and leases to core deposits | 105.4830% | 4,246 |
| Total domestic deposits to total assets | 82.0333% | 4,187 |
| Equity capital to assets | 11.9193% | 2,343 |
| Core capital (leverage) ratio | 12.0736% | 1,931 |
| Tier 1 risk-based capital ratio | 22.3304% | 1,275 |
| Total risk-based capital ratio | 23.2382% | 1,287 |
| Memoranda: | ||
| Average total assets | $115,448,600 | 4,623 |
| Average earning assets | $108,555,000 | 4,544 |
| Average equity | $13,858,000 | 4,373 |
| Average total loans | $54,881,800 | 5,493 |