Home > The First National Bank of McHenry > Performance and Condition Ratios
The First National Bank of McHenry, Performance and Condition Ratios
| 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 | 2.3360% | 5,277 |
| Cost of funding earning assets | 0.3150% | 4,789 |
| Net interest margin | 2.0210% | 5,237 |
| Noninterest income to average assets | 0.2413% | 4,307 |
| Noninterest expense to average assets | 3.0557% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.6653% | 5,202 |
| Return on assets (ROA) | -0.4837% | 5,195 |
| Pretax return on assets | -0.7136% | 5,206 |
| Return on Equity (ROE) | -4.1090% | 5,195 |
| Retained earnings to average equity (ytd only) | -4.1090% | 5,020 |
| Net charge-offs to loans | -0.0048% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.0585% | 53 |
| Assets per employee ($millions) | 5.3556% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0025% | 5,250 |
| Loan loss allowance to noncurrent loans | 0.1698% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 2,885 |
| Noncurrent loans to loans | 1.4790% | 1,043 |
| Net loans and leases to total assets | 22.5330% | 5,189 |
| Net loans and leases to deposits | 26.3118% | 5,199 |
| Net loans and leases to core deposits | 26.8597% | 5,198 |
| Total domestic deposits to total assets | 85.6385% | 2,206 |
| Equity capital to assets | 13.2616% | 1,460 |
| Core capital (leverage) ratio | 9.3386% | 4,321 |
| Tier 1 risk-based capital ratio | 29.4682% | 496 |
| Total risk-based capital ratio | 29.4701% | 541 |
| Memoranda: | ||
| Average total assets | $174,887,670 | 3,113 |
| Average earning assets | $161,900,330 | 3,114 |
| Average equity | $20,589,000 | 3,097 |
| Average total loans | $41,529,330 | 4,459 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2091% | 5,358 |
| Cost of funding earning assets | 0.1530% | 5,206 |
| Net interest margin | 1.0561% | 5,351 |
| Noninterest income to average assets | 0.1081% | 5,050 |
| Noninterest expense to average assets | 4.0767% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -2.1329% | 5,321 |
| Return on assets (ROA) | -1.8441% | 5,315 |
| Pretax return on assets | -2.6189% | 5,323 |
| Return on Equity (ROE) | -16.7393% | 5,329 |
| Retained earnings to average equity (ytd only) | -16.7393% | 5,230 |
| Net charge-offs to loans | -0.0094% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 364.8421% | 5 |
| Assets per employee ($millions) | 5.2987% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0024% | 5,312 |
| Loan loss allowance to noncurrent loans | 0.1653% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 2,768 |
| Noncurrent loans to loans | 1.4573% | 1,108 |
| Net loans and leases to total assets | 23.7423% | 5,240 |
| Net loans and leases to deposits | 27.6730% | 5,239 |
| Net loans and leases to core deposits | 28.2154% | 5,243 |
| Total domestic deposits to total assets | 85.7958% | 2,365 |
| Equity capital to assets | 13.0152% | 1,444 |
| Core capital (leverage) ratio | 9.2483% | 4,412 |
| Tier 1 risk-based capital ratio | 27.8153% | 573 |
| Total risk-based capital ratio | 27.8172% | 639 |
| Memoranda: | ||
| Average total assets | $173,963,500 | 3,153 |
| Average earning assets | $162,107,000 | 3,147 |
| Average equity | $19,164,500 | 3,244 |
| Average total loans | $42,381,500 | 4,481 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2299% | 5,127 |
| Cost of funding earning assets | 0.4594% | 3,613 |
| Net interest margin | 2.7704% | 5,049 |
| Noninterest income to average assets | 0.3170% | 3,996 |
| Noninterest expense to average assets | 2.2438% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5706% | 4,500 |
| Return on assets (ROA) | 0.5960% | 4,439 |
| Pretax return on assets | 0.7525% | 4,284 |
| Return on Equity (ROE) | 6.8441% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.2016% | 3,241 |
| Net charge-offs to loans | 0.2326% | 837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 12.0385% | 2,574 |
| Efficiency ratio | 75.6988% | 1,406 |
| Assets per employee ($millions) | 5.2445% | 2,207 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 1,262 |
| Loan loss allowance to noncurrent loans | 717.5824% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 3,760 |
| Noncurrent loans to loans | 0.2104% | 3,824 |
| Net loans and leases to total assets | 24.6109% | 5,272 |
| Net loans and leases to deposits | 27.0784% | 5,289 |
| Net loans and leases to core deposits | 27.6946% | 5,288 |
| Total domestic deposits to total assets | 90.8875% | 231 |
| Equity capital to assets | 8.9969% | 4,578 |
| Core capital (leverage) ratio | 9.6351% | 3,963 |
| Tier 1 risk-based capital ratio | 26.7969% | 624 |
| Total risk-based capital ratio | 27.8453% | 626 |
| Memoranda: | ||
| Average total assets | $173,811,800 | 3,126 |
| Average earning assets | $166,074,400 | 3,064 |
| Average equity | $15,137,200 | 3,626 |
| Average total loans | $44,707,000 | 4,439 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2127% | 5,192 |
| Cost of funding earning assets | 0.4227% | 3,708 |
| Net interest margin | 2.7899% | 5,097 |
| Noninterest income to average assets | 0.3372% | 3,903 |
| Noninterest expense to average assets | 2.2000% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6297% | 4,424 |
| Return on assets (ROA) | 0.6636% | 4,348 |
| Pretax return on assets | 0.8452% | 4,181 |
| Return on Equity (ROE) | 7.6829% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.2786% | 3,075 |
| Net charge-offs to loans | 0.2396% | 713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.9256% | 2,411 |
| Efficiency ratio | 73.2772% | 1,687 |
| Assets per employee ($millions) | 4.8764% | 2,624 |
| Cash dividends to net income (ytd only)* | 31.2929% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,275 |
| Loan loss allowance to noncurrent loans | 587.8261% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 3,734 |
| Noncurrent loans to loans | 0.2588% | 3,761 |
| Net loans and leases to total assets | 24.9277% | 5,338 |
| Net loans and leases to deposits | 27.2636% | 5,366 |
| Net loans and leases to core deposits | 27.9419% | 5,364 |
| Total domestic deposits to total assets | 91.4322% | 144 |
| Equity capital to assets | 8.4362% | 4,966 |
| Core capital (leverage) ratio | 9.6144% | 4,039 |
| Tier 1 risk-based capital ratio | 26.1792% | 669 |
| Total risk-based capital ratio | 27.2421% | 669 |
| Memoranda: | ||
| Average total assets | $173,997,250 | 3,147 |
| Average earning assets | $166,213,750 | 3,086 |
| Average equity | $15,028,750 | 3,661 |
| Average total loans | $45,072,000 | 4,480 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 5,199 |
| Cost of funding earning assets | 0.3921% | 3,785 |
| Net interest margin | 2.8378% | 5,082 |
| Noninterest income to average assets | 0.2698% | 4,383 |
| Noninterest expense to average assets | 2.2297% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5911% | 4,520 |
| Return on assets (ROA) | 0.6422% | 4,378 |
| Pretax return on assets | 0.8162% | 4,202 |
| Return on Equity (ROE) | 7.3767% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.0193% | 3,066 |
| Net charge-offs to loans | 0.2517% | 633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.4386% | 2,271 |
| Efficiency ratio | 74.7873% | 1,597 |
| Assets per employee ($millions) | 4.6051% | 2,963 |
| Cash dividends to net income (ytd only)* | 31.9569% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 1,234 |
| Loan loss allowance to noncurrent loans | 167.4641% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,347 |
| Noncurrent loans to loans | 0.9264% | 1,870 |
| Net loans and leases to total assets | 25.3833% | 5,395 |
| Net loans and leases to deposits | 27.7818% | 5,419 |
| Net loans and leases to core deposits | 28.4353% | 5,418 |
| Total domestic deposits to total assets | 91.3665% | 178 |
| Equity capital to assets | 8.4712% | 4,966 |
| Core capital (leverage) ratio | 9.6126% | 3,982 |
| Tier 1 risk-based capital ratio | 25.4148% | 705 |
| Total risk-based capital ratio | 26.4973% | 701 |
| Memoranda: | ||
| Average total assets | $173,479,000 | 3,174 |
| Average earning assets | $165,760,330 | 3,111 |
| Average equity | $15,101,670 | 3,669 |
| Average total loans | $45,283,670 | 4,513 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9625% | 5,390 |
| Cost of funding earning assets | 0.3733% | 3,796 |
| Net interest margin | 2.5892% | 5,332 |
| Noninterest income to average assets | 0.1505% | 5,113 |
| Noninterest expense to average assets | 2.2649% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3011% | 5,094 |
| Return on assets (ROA) | 0.3983% | 4,934 |
| Pretax return on assets | 0.4748% | 4,911 |
| Return on Equity (ROE) | 4.5143% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.3096% | 4,239 |
| Net charge-offs to loans | 0.5026% | 301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.7193% | 2,438 |
| Efficiency ratio | 86.3195% | 623 |
| Assets per employee ($millions) | 4.5094% | 3,140 |
| Cash dividends to net income (ytd only)* | 48.8372% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,268 |
| Loan loss allowance to noncurrent loans | 97.7654% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 2,550 |
| Noncurrent loans to loans | 1.5913% | 1,092 |
| Net loans and leases to total assets | 25.8495% | 5,438 |
| Net loans and leases to deposits | 28.3586% | 5,466 |
| Net loans and leases to core deposits | 29.0913% | 5,471 |
| Total domestic deposits to total assets | 91.1524% | 270 |
| Equity capital to assets | 8.6276% | 4,879 |
| Core capital (leverage) ratio | 9.4180% | 4,161 |
| Tier 1 risk-based capital ratio | 22.2788% | 1,018 |
| Total risk-based capital ratio | 23.2449% | 1,029 |
| Memoranda: | ||
| Average total assets | $172,722,000 | 3,217 |
| Average earning assets | $164,995,000 | 3,148 |
| Average equity | $15,240,500 | 3,677 |
| Average total loans | $45,366,000 | 4,553 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9913% | 5,363 |
| Cost of funding earning assets | 0.3144% | 4,005 |
| Net interest margin | 2.6769% | 5,291 |
| Noninterest income to average assets | 0.3596% | 3,900 |
| Noninterest expense to average assets | 2.3284% | 4,261 |
| Loan and lease loss provision to assets | 0.0058% | 4,146 |
| Net operating income to assets | 0.4187% | 4,628 |
| Return on assets (ROA) | 0.4289% | 4,616 |
| Pretax return on assets | 0.5860% | 4,768 |
| Return on Equity (ROE) | 4.6437% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.1108% | 4,052 |
| Net charge-offs to loans | -0.2486% | 5,546 |
| Credit loss provision to net charge-offs | -8.6957% | 4,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1161% | 1,091 |
| Assets per employee ($millions) | 4.7051% | 2,856 |
| Cash dividends to net income (ytd only)* | 54.5455% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 1,024 |
| Loan loss allowance to noncurrent loans | 98.6962% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 2,321 |
| Noncurrent loans to loans | 1.6770% | 979 |
| Net loans and leases to total assets | 25.8377% | 5,507 |
| Net loans and leases to deposits | 28.4601% | 5,537 |
| Net loans and leases to core deposits | 29.3885% | 5,540 |
| Total domestic deposits to total assets | 90.7856% | 304 |
| Equity capital to assets | 9.0168% | 4,697 |
| Core capital (leverage) ratio | 9.0751% | 4,554 |
| Tier 1 risk-based capital ratio | 21.8825% | 1,033 |
| Total risk-based capital ratio | 22.9143% | 1,034 |
| Memoranda: | ||
| Average total assets | $171,836,200 | 3,225 |
| Average earning assets | $163,472,600 | 3,159 |
| Average equity | $15,870,800 | 3,612 |
| Average total loans | $46,254,600 | 4,560 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9841% | 5,421 |
| Cost of funding earning assets | 0.2998% | 4,133 |
| Net interest margin | 2.6843% | 5,340 |
| Noninterest income to average assets | 0.3923% | 3,738 |
| Noninterest expense to average assets | 2.3432% | 4,178 |
| Loan and lease loss provision to assets | 0.0078% | 3,975 |
| Net operating income to assets | 0.4290% | 4,930 |
| Return on assets (ROA) | 0.4352% | 4,947 |
| Pretax return on assets | 0.6010% | 4,841 |
| Return on Equity (ROE) | 4.6833% | 4,639 |
| Retained earnings to average equity (ytd only) | 2.6642% | 4,303 |
| Net charge-offs to loans | -0.3306% | 5,617 |
| Credit loss provision to net charge-offs | -8.6957% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6086% | 1,153 |
| Assets per employee ($millions) | 5.2173% | 2,208 |
| Cash dividends to net income (ytd only)* | 43.1136% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,213 |
| Loan loss allowance to noncurrent loans | 122.8896% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 2,238 |
| Noncurrent loans to loans | 1.3103% | 1,459 |
| Net loans and leases to total assets | 26.0763% | 5,567 |
| Net loans and leases to deposits | 28.7769% | 5,602 |
| Net loans and leases to core deposits | 29.6981% | 5,605 |
| Total domestic deposits to total assets | 90.6154% | 290 |
| Equity capital to assets | 9.1929% | 4,731 |
| Core capital (leverage) ratio | 9.2811% | 4,428 |
| Tier 1 risk-based capital ratio | 21.0618% | 1,184 |
| Total risk-based capital ratio | 22.0559% | 1,196 |
| Memoranda: | ||
| Average total assets | $171,273,500 | 3,255 |
| Average earning assets | $162,769,750 | 3,196 |
| Average equity | $15,914,250 | 3,641 |
| Average total loans | $46,384,000 | 4,596 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9924% | 5,447 |
| Cost of funding earning assets | 0.2880% | 4,208 |
| Net interest margin | 2.7043% | 5,354 |
| Noninterest income to average assets | 0.4266% | 3,512 |
| Noninterest expense to average assets | 2.3884% | 4,080 |
| Loan and lease loss provision to assets | 0.0118% | 3,720 |
| Net operating income to assets | 0.4301% | 4,897 |
| Return on assets (ROA) | 0.4396% | 4,893 |
| Pretax return on assets | 0.6027% | 4,798 |
| Return on Equity (ROE) | 4.7138% | 4,600 |
| Retained earnings to average equity (ytd only) | 2.6737% | 4,101 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8814% | 1,221 |
| Assets per employee ($millions) | 4.9595% | 2,440 |
| Cash dividends to net income (ytd only)* | 43.2796% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,072 |
| Loan loss allowance to noncurrent loans | 94.5508% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 1,381 |
| Noncurrent loans to loans | 1.4529% | 1,301 |
| Net loans and leases to total assets | 26.5542% | 5,600 |
| Net loans and leases to deposits | 29.3814% | 5,637 |
| Net loans and leases to core deposits | 30.2116% | 5,639 |
| Total domestic deposits to total assets | 90.3774% | 401 |
| Equity capital to assets | 9.4181% | 4,496 |
| Core capital (leverage) ratio | 9.4605% | 4,170 |
| Tier 1 risk-based capital ratio | 21.0090% | 1,180 |
| Total risk-based capital ratio | 21.8556% | 1,230 |
| Memoranda: | ||
| Average total assets | $169,235,670 | 3,291 |
| Average earning assets | $160,408,330 | 3,236 |
| Average equity | $15,783,330 | 3,667 |
| Average total loans | $46,174,330 | 4,630 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9966% | 5,460 |
| Cost of funding earning assets | 0.2858% | 4,191 |
| Net interest margin | 2.7108% | 5,380 |
| Noninterest income to average assets | 0.3879% | 3,752 |
| Noninterest expense to average assets | 2.4159% | 4,076 |
| Loan and lease loss provision to assets | 0.0239% | 3,266 |
| Net operating income to assets | 0.3855% | 4,985 |
| Return on assets (ROA) | 0.3927% | 4,987 |
| Pretax return on assets | 0.5244% | 4,918 |
| Return on Equity (ROE) | 4.2320% | 4,695 |
| Retained earnings to average equity (ytd only) | 2.1676% | 4,277 |
| Net charge-offs to loans | -0.0174% | 4,671 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7666% | 1,188 |
| Assets per employee ($millions) | 4.7876% | 2,719 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 2,035 |
| Loan loss allowance to noncurrent loans | 92.2636% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2855% | 1,325 |
| Noncurrent loans to loans | 1.5287% | 1,293 |
| Net loans and leases to total assets | 26.8645% | 5,656 |
| Net loans and leases to deposits | 29.7100% | 5,681 |
| Net loans and leases to core deposits | 30.5790% | 5,685 |
| Total domestic deposits to total assets | 90.4223% | 503 |
| Equity capital to assets | 9.3318% | 4,466 |
| Core capital (leverage) ratio | 9.4926% | 4,130 |
| Tier 1 risk-based capital ratio | 20.4070% | 1,318 |
| Total risk-based capital ratio | 21.2385% | 1,364 |
| Memoranda: | ||
| Average total assets | $167,063,000 | 3,342 |
| Average earning assets | $158,180,000 | 3,296 |
| Average equity | $15,501,000 | 3,727 |
| Average total loans | $45,894,000 | 4,679 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9729% | 5,521 |
| Cost of funding earning assets | 0.2752% | 4,306 |
| Net interest margin | 2.6977% | 5,422 |
| Noninterest income to average assets | 0.3107% | 4,511 |
| Noninterest expense to average assets | 2.5010% | 4,005 |
| Loan and lease loss provision to assets | 0.0091% | 4,187 |
| Net operating income to assets | 0.2808% | 5,258 |
| Return on assets (ROA) | 0.3621% | 5,134 |
| Pretax return on assets | 0.4560% | 5,107 |
| Return on Equity (ROE) | 3.6675% | 4,948 |
| Retained earnings to average equity (ytd only) | 1.7970% | 4,504 |
| Net charge-offs to loans | 0.1824% | 1,519 |
| Credit loss provision to net charge-offs | 17.6471% | 3,689 |
| Earnings coverage of net charge-offs (x) | 7.0353% | 3,082 |
| Efficiency ratio | 87.3519% | 726 |
| Assets per employee ($millions) | 4.8988% | 2,506 |
| Cash dividends to net income (ytd only)* | 51.0033% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,229 |
| Loan loss allowance to noncurrent loans | 112.8801% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 1,261 |
| Noncurrent loans to loans | 1.2118% | 1,699 |
| Net loans and leases to total assets | 27.3158% | 5,700 |
| Net loans and leases to deposits | 30.1674% | 5,735 |
| Net loans and leases to core deposits | 31.1813% | 5,740 |
| Total domestic deposits to total assets | 90.5475% | 435 |
| Equity capital to assets | 9.2250% | 4,554 |
| Core capital (leverage) ratio | 9.2273% | 4,441 |
| Tier 1 risk-based capital ratio | 20.4408% | 1,296 |
| Total risk-based capital ratio | 21.2612% | 1,338 |
| Memoranda: | ||
| Average total assets | $165,133,200 | 3,345 |
| Average earning assets | $156,246,000 | 3,292 |
| Average equity | $16,305,400 | 3,651 |
| Average total loans | $46,599,600 | 4,676 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9599% | 5,601 |
| Cost of funding earning assets | 0.2701% | 4,392 |
| Net interest margin | 2.6898% | 5,502 |
| Noninterest income to average assets | 0.4094% | 3,852 |
| Noninterest expense to average assets | 2.5132% | 3,948 |
| Loan and lease loss provision to assets | 0.0081% | 4,069 |
| Net operating income to assets | 0.3322% | 5,209 |
| Return on assets (ROA) | 0.4175% | 5,056 |
| Pretax return on assets | 0.5454% | 5,016 |
| Return on Equity (ROE) | 4.1594% | 4,844 |
| Retained earnings to average equity (ytd only) | 2.3537% | 4,503 |
| Net charge-offs to loans | 0.2597% | 900 |
| Credit loss provision to net charge-offs | 10.9890% | 3,363 |
| Earnings coverage of net charge-offs (x) | 6.0110% | 3,047 |
| Efficiency ratio | 85.0260% | 900 |
| Assets per employee ($millions) | 4.8789% | 2,525 |
| Cash dividends to net income (ytd only)* | 43.4111% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,503 |
| Loan loss allowance to noncurrent loans | 112.3188% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 2,210 |
| Noncurrent loans to loans | 1.1902% | 1,890 |
| Net loans and leases to total assets | 26.7962% | 5,781 |
| Net loans and leases to deposits | 29.9070% | 5,815 |
| Net loans and leases to core deposits | 31.0577% | 5,816 |
| Total domestic deposits to total assets | 89.5984% | 623 |
| Equity capital to assets | 9.9067% | 4,230 |
| Core capital (leverage) ratio | 9.3812% | 4,353 |
| Tier 1 risk-based capital ratio | 20.9402% | 1,281 |
| Total risk-based capital ratio | 21.7662% | 1,319 |
| Memoranda: | ||
| Average total assets | $164,776,750 | 3,364 |
| Average earning assets | $155,990,500 | 3,312 |
| Average equity | $16,540,500 | 3,651 |
| Average total loans | $46,717,500 | 4,712 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9781% | 5,669 |
| Cost of funding earning assets | 0.2677% | 4,472 |
| Net interest margin | 2.7104% | 5,557 |
| Noninterest income to average assets | 0.4460% | 3,552 |
| Noninterest expense to average assets | 2.5580% | 3,865 |
| Loan and lease loss provision to assets | 0.0123% | 3,854 |
| Net operating income to assets | 0.3304% | 5,235 |
| Return on assets (ROA) | 0.4583% | 4,931 |
| Pretax return on assets | 0.6069% | 4,866 |
| Return on Equity (ROE) | 4.5446% | 4,700 |
| Retained earnings to average equity (ytd only) | 2.7901% | 4,121 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0143% | 964 |
| Assets per employee ($millions) | 4.6413% | 2,808 |
| Cash dividends to net income (ytd only)* | 38.6059% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 2,018 |
| Loan loss allowance to noncurrent loans | 79.7085% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0366% | 2,057 |
| Noncurrent loans to loans | 1.8331% | 1,118 |
| Net loans and leases to total assets | 28.6974% | 5,807 |
| Net loans and leases to deposits | 32.1439% | 5,850 |
| Net loans and leases to core deposits | 33.2271% | 5,856 |
| Total domestic deposits to total assets | 89.2779% | 770 |
| Equity capital to assets | 10.1565% | 4,017 |
| Core capital (leverage) ratio | 9.6762% | 3,966 |
| Tier 1 risk-based capital ratio | 20.5276% | 1,341 |
| Total risk-based capital ratio | 21.4598% | 1,380 |
| Memoranda: | ||
| Average total assets | $162,781,330 | 3,405 |
| Average earning assets | $153,924,670 | 3,351 |
| Average equity | $16,415,000 | 3,679 |
| Average total loans | $46,830,670 | 4,746 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0116% | 5,683 |
| Cost of funding earning assets | 0.2740% | 4,455 |
| Net interest margin | 2.7376% | 5,558 |
| Noninterest income to average assets | 0.4482% | 3,496 |
| Noninterest expense to average assets | 2.6147% | 3,705 |
| Loan and lease loss provision to assets | 0.0249% | 3,350 |
| Net operating income to assets | 0.2938% | 5,325 |
| Return on assets (ROA) | 0.5205% | 4,652 |
| Pretax return on assets | 0.7022% | 4,521 |
| Return on Equity (ROE) | 5.1805% | 4,409 |
| Retained earnings to average equity (ytd only) | 3.5941% | 3,699 |
| Net charge-offs to loans | 0.0174% | 2,589 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 606 |
| Efficiency ratio | 86.1362% | 964 |
| Assets per employee ($millions) | 4.4184% | 3,222 |
| Cash dividends to net income (ytd only)* | 30.6220% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,782 |
| Loan loss allowance to noncurrent loans | 67.7820% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 1,861 |
| Noncurrent loans to loans | 2.2898% | 877 |
| Net loans and leases to total assets | 28.2734% | 5,868 |
| Net loans and leases to deposits | 31.6863% | 5,906 |
| Net loans and leases to core deposits | 32.7713% | 5,910 |
| Total domestic deposits to total assets | 89.2293% | 980 |
| Equity capital to assets | 10.3042% | 3,738 |
| Core capital (leverage) ratio | 9.6988% | 3,913 |
| Tier 1 risk-based capital ratio | 21.1883% | 1,282 |
| Total risk-based capital ratio | 22.1530% | 1,304 |
| Memoranda: | ||
| Average total assets | $160,629,500 | 3,438 |
| Average earning assets | $151,812,000 | 3,400 |
| Average equity | $16,137,500 | 3,710 |
| Average total loans | $45,916,000 | 4,809 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0217% | 5,710 |
| Cost of funding earning assets | 0.2888% | 4,381 |
| Net interest margin | 2.7329% | 5,615 |
| Noninterest income to average assets | 0.4028% | 4,015 |
| Noninterest expense to average assets | 2.6548% | 3,743 |
| Loan and lease loss provision to assets | 0.0031% | 4,327 |
| Net operating income to assets | 0.3063% | 5,338 |
| Return on assets (ROA) | 0.3205% | 5,382 |
| Pretax return on assets | 0.3386% | 5,442 |
| Return on Equity (ROE) | 3.2603% | 5,209 |
| Retained earnings to average equity (ytd only) | 1.9854% | 4,596 |
| Net charge-offs to loans | 0.2532% | 1,188 |
| Credit loss provision to net charge-offs | 4.2735% | 3,868 |
| Earnings coverage of net charge-offs (x) | 4.4786% | 3,554 |
| Efficiency ratio | 89.0422% | 754 |
| Assets per employee ($millions) | 4.3837% | 3,246 |
| Cash dividends to net income (ytd only)* | 39.1051% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,910 |
| Loan loss allowance to noncurrent loans | 68.5910% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 1,911 |
| Noncurrent loans to loans | 2.2145% | 893 |
| Net loans and leases to total assets | 28.0213% | 5,942 |
| Net loans and leases to deposits | 31.1656% | 5,977 |
| Net loans and leases to core deposits | 32.1174% | 5,984 |
| Total domestic deposits to total assets | 89.9111% | 667 |
| Equity capital to assets | 9.7936% | 4,197 |
| Core capital (leverage) ratio | 9.3602% | 4,384 |
| Tier 1 risk-based capital ratio | 20.8896% | 1,319 |
| Total risk-based capital ratio | 21.8389% | 1,339 |
| Memoranda: | ||
| Average total assets | $160,387,400 | 3,428 |
| Average earning assets | $151,341,000 | 3,384 |
| Average equity | $15,765,200 | 3,716 |
| Average total loans | $46,213,000 | 4,785 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0287% | 5,786 |
| Cost of funding earning assets | 0.2818% | 4,537 |
| Net interest margin | 2.7469% | 5,666 |
| Noninterest income to average assets | 0.3818% | 4,203 |
| Noninterest expense to average assets | 2.6427% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3049% | 5,437 |
| Return on assets (ROA) | 0.3126% | 5,502 |
| Pretax return on assets | 0.3401% | 5,574 |
| Return on Equity (ROE) | 3.1775% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.1522% | 4,808 |
| Net charge-offs to loans | 0.2192% | 1,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.2368% | 3,232 |
| Efficiency ratio | 88.8453% | 771 |
| Assets per employee ($millions) | 4.4680% | 3,069 |
| Cash dividends to net income (ytd only)* | 32.2666% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,809 |
| Loan loss allowance to noncurrent loans | 42.9487% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 1,449 |
| Noncurrent loans to loans | 3.7126% | 388 |
| Net loans and leases to total assets | 27.5132% | 6,039 |
| Net loans and leases to deposits | 30.5477% | 6,070 |
| Net loans and leases to core deposits | 31.5152% | 6,078 |
| Total domestic deposits to total assets | 90.0664% | 547 |
| Equity capital to assets | 9.6391% | 4,590 |
| Core capital (leverage) ratio | 9.4083% | 4,428 |
| Tier 1 risk-based capital ratio | 20.3571% | 1,467 |
| Total risk-based capital ratio | 21.3333% | 1,493 |
| Memoranda: | ||
| Average total assets | $159,934,750 | 3,458 |
| Average earning assets | $150,953,250 | 3,414 |
| Average equity | $15,735,250 | 3,754 |
| Average total loans | $46,228,500 | 4,836 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0480% | 5,801 |
| Cost of funding earning assets | 0.2790% | 4,622 |
| Net interest margin | 2.7690% | 5,676 |
| Noninterest income to average assets | 0.4034% | 4,062 |
| Noninterest expense to average assets | 2.6672% | 3,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3154% | 5,393 |
| Return on assets (ROA) | 0.3200% | 5,476 |
| Pretax return on assets | 0.3516% | 5,571 |
| Return on Equity (ROE) | 3.2294% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.2082% | 4,611 |
| Net charge-offs to loans | 0.3331% | 792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.5584% | 3,174 |
| Efficiency ratio | 88.5019% | 877 |
| Assets per employee ($millions) | 4.3509% | 3,210 |
| Cash dividends to net income (ytd only)* | 31.6206% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,951 |
| Loan loss allowance to noncurrent loans | 38.6149% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7461% | 1,342 |
| Noncurrent loans to loans | 4.1105% | 364 |
| Net loans and leases to total assets | 28.3461% | 6,091 |
| Net loans and leases to deposits | 31.5082% | 6,128 |
| Net loans and leases to core deposits | 32.5339% | 6,133 |
| Total domestic deposits to total assets | 89.9643% | 677 |
| Equity capital to assets | 9.7581% | 4,330 |
| Core capital (leverage) ratio | 9.6160% | 4,115 |
| Tier 1 risk-based capital ratio | 19.7346% | 1,613 |
| Total risk-based capital ratio | 20.6847% | 1,655 |
| Memoranda: | ||
| Average total assets | $158,140,670 | 3,514 |
| Average earning assets | $149,079,330 | 3,466 |
| Average equity | $15,668,670 | 3,785 |
| Average total loans | $46,231,000 | 4,883 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0672% | 5,823 |
| Cost of funding earning assets | 0.2820% | 4,644 |
| Net interest margin | 2.7852% | 5,675 |
| Noninterest income to average assets | 0.4237% | 3,817 |
| Noninterest expense to average assets | 2.6774% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3442% | 5,266 |
| Return on assets (ROA) | 0.2986% | 5,525 |
| Pretax return on assets | 0.3190% | 5,610 |
| Return on Equity (ROE) | 2.9907% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.9682% | 4,690 |
| Net charge-offs to loans | 0.1733% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,199 |
| Efficiency ratio | 87.9296% | 1,020 |
| Assets per employee ($millions) | 4.3855% | 3,222 |
| Cash dividends to net income (ytd only)* | 34.1880% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 1,717 |
| Loan loss allowance to noncurrent loans | 56.6429% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.5911% | 1,613 |
| Noncurrent loans to loans | 3.0166% | 715 |
| Net loans and leases to total assets | 28.8938% | 6,110 |
| Net loans and leases to deposits | 32.2692% | 6,157 |
| Net loans and leases to core deposits | 33.5205% | 6,150 |
| Total domestic deposits to total assets | 89.5400% | 974 |
| Equity capital to assets | 10.0413% | 4,103 |
| Core capital (leverage) ratio | 9.4902% | 4,291 |
| Tier 1 risk-based capital ratio | 19.2474% | 1,797 |
| Total risk-based capital ratio | 20.2743% | 1,822 |
| Memoranda: | ||
| Average total assets | $156,718,500 | 3,554 |
| Average earning assets | $147,495,000 | 3,511 |
| Average equity | $15,648,500 | 3,808 |
| Average total loans | $46,162,000 | 4,911 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2407% | 5,781 |
| Cost of funding earning assets | 0.3102% | 4,680 |
| Net interest margin | 2.9305% | 5,583 |
| Noninterest income to average assets | 0.3954% | 4,216 |
| Noninterest expense to average assets | 2.8488% | 3,307 |
| Loan and lease loss provision to assets | 0.0227% | 4,159 |
| Net operating income to assets | 0.2495% | 5,663 |
| Return on assets (ROA) | 0.3397% | 5,474 |
| Pretax return on assets | 0.3474% | 5,605 |
| Return on Equity (ROE) | 3.5272% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.2415% | 4,648 |
| Net charge-offs to loans | 0.1830% | 2,205 |
| Credit loss provision to net charge-offs | 40.2299% | 3,666 |
| Earnings coverage of net charge-offs (x) | 4.9310% | 3,535 |
| Efficiency ratio | 91.1070% | 774 |
| Assets per employee ($millions) | 4.2043% | 3,535 |
| Cash dividends to net income (ytd only)* | 36.4504% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 1,594 |
| Loan loss allowance to noncurrent loans | 42.6548% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 1.9729% | 1,303 |
| Noncurrent loans to loans | 4.1512% | 428 |
| Net loans and leases to total assets | 28.9929% | 6,206 |
| Net loans and leases to deposits | 32.2770% | 6,252 |
| Net loans and leases to core deposits | 33.8043% | 6,241 |
| Total domestic deposits to total assets | 89.8251% | 814 |
| Equity capital to assets | 9.9281% | 4,204 |
| Core capital (leverage) ratio | 9.5634% | 4,155 |
| Tier 1 risk-based capital ratio | 23.5008% | 1,006 |
| Total risk-based capital ratio | 24.7508% | 989 |
| Memoranda: | ||
| Average total assets | $154,273,200 | 3,568 |
| Average earning assets | $143,797,800 | 3,541 |
| Average equity | $14,855,800 | 3,868 |
| Average total loans | $47,551,000 | 4,897 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2561% | 5,833 |
| Cost of funding earning assets | 0.3109% | 4,772 |
| Net interest margin | 2.9452% | 5,611 |
| Noninterest income to average assets | 0.4166% | 4,127 |
| Noninterest expense to average assets | 2.8744% | 3,218 |
| Loan and lease loss provision to assets | 0.0216% | 3,974 |
| Net operating income to assets | 0.2250% | 5,798 |
| Return on assets (ROA) | 0.3196% | 5,604 |
| Pretax return on assets | 0.3707% | 5,642 |
| Return on Equity (ROE) | 3.3449% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.1030% | 5,003 |
| Net charge-offs to loans | 0.2168% | 1,738 |
| Credit loss provision to net charge-offs | 32.0513% | 3,423 |
| Earnings coverage of net charge-offs (x) | 4.1794% | 3,520 |
| Efficiency ratio | 91.0562% | 768 |
| Assets per employee ($millions) | 4.3078% | 3,284 |
| Cash dividends to net income (ytd only)* | 37.1268% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 1,975 |
| Loan loss allowance to noncurrent loans | 41.2183% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 2.0303% | 1,402 |
| Noncurrent loans to loans | 4.1227% | 497 |
| Net loans and leases to total assets | 29.4702% | 6,270 |
| Net loans and leases to deposits | 32.6083% | 6,331 |
| Net loans and leases to core deposits | 33.9779% | 6,321 |
| Total domestic deposits to total assets | 90.3763% | 584 |
| Equity capital to assets | 9.4650% | 4,835 |
| Core capital (leverage) ratio | 9.6082% | 4,226 |
| Tier 1 risk-based capital ratio | 22.5125% | 1,183 |
| Total risk-based capital ratio | 23.7302% | 1,174 |
| Memoranda: | ||
| Average total assets | $153,951,750 | 3,607 |
| Average earning assets | $143,233,000 | 3,586 |
| Average equity | $14,708,750 | 3,910 |
| Average total loans | $47,960,250 | 4,933 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 5,799 |
| Cost of funding earning assets | 0.3171% | 4,796 |
| Net interest margin | 2.9780% | 5,580 |
| Noninterest income to average assets | 0.4772% | 3,654 |
| Noninterest expense to average assets | 2.9394% | 3,037 |
| Loan and lease loss provision to assets | 0.0066% | 4,106 |
| Net operating income to assets | 0.2632% | 5,682 |
| Return on assets (ROA) | 0.3392% | 5,506 |
| Pretax return on assets | 0.3983% | 5,567 |
| Return on Equity (ROE) | 3.5384% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.2081% | 4,784 |
| Net charge-offs to loans | 0.3790% | 1,072 |
| Credit loss provision to net charge-offs | 5.4945% | 3,355 |
| Earnings coverage of net charge-offs (x) | 2.6374% | 3,508 |
| Efficiency ratio | 90.3069% | 894 |
| Assets per employee ($millions) | 3.9326% | 3,993 |
| Cash dividends to net income (ytd only)* | 37.5969% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 2,360 |
| Loan loss allowance to noncurrent loans | 49.6495% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 2.1353% | 1,447 |
| Noncurrent loans to loans | 3.2808% | 848 |
| Net loans and leases to total assets | 30.6736% | 6,285 |
| Net loans and leases to deposits | 34.0698% | 6,343 |
| Net loans and leases to core deposits | 35.5631% | 6,342 |
| Total domestic deposits to total assets | 90.0315% | 793 |
| Equity capital to assets | 9.7788% | 4,389 |
| Core capital (leverage) ratio | 9.8594% | 3,804 |
| Tier 1 risk-based capital ratio | 22.4235% | 1,199 |
| Total risk-based capital ratio | 23.5926% | 1,192 |
| Memoranda: | ||
| Average total assets | $152,139,670 | 3,647 |
| Average earning assets | $141,905,670 | 3,618 |
| Average equity | $14,583,000 | 3,932 |
| Average total loans | $48,019,000 | 4,961 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 5,803 |
| Cost of funding earning assets | 0.3428% | 4,614 |
| Net interest margin | 2.9776% | 5,579 |
| Noninterest income to average assets | 0.3933% | 4,244 |
| Noninterest expense to average assets | 2.8986% | 3,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2333% | 5,710 |
| Return on assets (ROA) | 0.3986% | 5,192 |
| Pretax return on assets | 0.4593% | 5,289 |
| Return on Equity (ROE) | 4.2016% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.8103% | 4,407 |
| Net charge-offs to loans | -0.0416% | 5,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5000% | 912 |
| Assets per employee ($millions) | 3.9364% | 4,073 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 1,989 |
| Loan loss allowance to noncurrent loans | 66.0592% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.0971% | 1,599 |
| Noncurrent loans to loans | 2.7483% | 1,223 |
| Net loans and leases to total assets | 31.4539% | 6,283 |
| Net loans and leases to deposits | 34.9456% | 6,349 |
| Net loans and leases to core deposits | 36.6068% | 6,348 |
| Total domestic deposits to total assets | 90.0083% | 1,072 |
| Equity capital to assets | 9.7430% | 4,173 |
| Core capital (leverage) ratio | 9.7683% | 3,907 |
| Tier 1 risk-based capital ratio | 23.0021% | 1,146 |
| Total risk-based capital ratio | 24.2526% | 1,135 |
| Memoranda: | ||
| Average total assets | $151,523,000 | 3,684 |
| Average earning assets | $141,189,000 | 3,649 |
| Average equity | $14,375,500 | 3,976 |
| Average total loans | $48,116,500 | 5,004 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 5,993 |
| Cost of funding earning assets | 0.3958% | 4,693 |
| Net interest margin | 2.9124% | 5,766 |
| Noninterest income to average assets | 0.3556% | 4,758 |
| Noninterest expense to average assets | 2.7590% | 3,877 |
| Loan and lease loss provision to assets | 0.0065% | 4,993 |
| Net operating income to assets | 0.2990% | 5,529 |
| Return on assets (ROA) | 0.3615% | 5,405 |
| Pretax return on assets | 0.3706% | 5,558 |
| Return on Equity (ROE) | 3.7873% | 5,201 |
| Retained earnings to average equity (ytd only) | 2.3296% | 4,591 |
| Net charge-offs to loans | 0.3936% | 1,712 |
| Credit loss provision to net charge-offs | 4.9020% | 4,650 |
| Earnings coverage of net charge-offs (x) | 2.3627% | 4,222 |
| Efficiency ratio | 89.8011% | 1,039 |
| Assets per employee ($millions) | 4.1476% | 3,536 |
| Cash dividends to net income (ytd only)* | 38.4892% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 2,089 |
| Loan loss allowance to noncurrent loans | 72.0833% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.9796% | 1,815 |
| Noncurrent loans to loans | 2.4838% | 1,528 |
| Net loans and leases to total assets | 30.9184% | 6,429 |
| Net loans and leases to deposits | 34.5891% | 6,471 |
| Net loans and leases to core deposits | 36.4223% | 6,458 |
| Total domestic deposits to total assets | 89.3876% | 1,389 |
| Equity capital to assets | 9.2381% | 4,763 |
| Core capital (leverage) ratio | 9.4109% | 4,395 |
| Tier 1 risk-based capital ratio | 22.0309% | 1,252 |
| Total risk-based capital ratio | 23.2815% | 1,227 |
| Memoranda: | ||
| Average total assets | $153,821,400 | 3,645 |
| Average earning assets | $143,490,400 | 3,611 |
| Average equity | $14,680,600 | 3,926 |
| Average total loans | $51,827,600 | 4,896 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3338% | 5,999 |
| Cost of funding earning assets | 0.3993% | 4,820 |
| Net interest margin | 2.9345% | 5,728 |
| Noninterest income to average assets | 0.3240% | 5,089 |
| Noninterest expense to average assets | 2.7487% | 3,836 |
| Loan and lease loss provision to assets | 0.0087% | 4,808 |
| Net operating income to assets | 0.2496% | 5,780 |
| Return on assets (ROA) | 0.3171% | 5,668 |
| Pretax return on assets | 0.3864% | 5,659 |
| Return on Equity (ROE) | 3.2958% | 5,498 |
| Retained earnings to average equity (ytd only) | 1.8460% | 5,216 |
| Net charge-offs to loans | 0.3010% | 2,028 |
| Credit loss provision to net charge-offs | 8.4034% | 4,235 |
| Earnings coverage of net charge-offs (x) | 3.0337% | 3,827 |
| Efficiency ratio | 89.7849% | 1,011 |
| Assets per employee ($millions) | 4.0721% | 3,695 |
| Cash dividends to net income (ytd only)* | 43.9886% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 1,905 |
| Loan loss allowance to noncurrent loans | 232.8431% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.5103% | 2,670 |
| Noncurrent loans to loans | 0.8306% | 4,171 |
| Net loans and leases to total assets | 31.1322% | 6,487 |
| Net loans and leases to deposits | 34.6980% | 6,548 |
| Net loans and leases to core deposits | 36.9495% | 6,533 |
| Total domestic deposits to total assets | 89.7234% | 1,159 |
| Equity capital to assets | 9.0494% | 5,125 |
| Core capital (leverage) ratio | 9.5128% | 4,383 |
| Tier 1 risk-based capital ratio | 21.6263% | 1,378 |
| Total risk-based capital ratio | 22.8771% | 1,355 |
| Memoranda: | ||
| Average total assets | $153,911,250 | 3,675 |
| Average earning assets | $143,576,750 | 3,644 |
| Average equity | $14,806,500 | 3,952 |
| Average total loans | $52,706,250 | 4,896 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3668% | 5,976 |
| Cost of funding earning assets | 0.4043% | 4,902 |
| Net interest margin | 2.9625% | 5,668 |
| Noninterest income to average assets | 0.4010% | 4,521 |
| Noninterest expense to average assets | 2.7038% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3737% | 5,317 |
| Return on assets (ROA) | 0.4739% | 5,089 |
| Pretax return on assets | 0.5871% | 5,067 |
| Return on Equity (ROE) | 4.8294% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.4098% | 4,148 |
| Net charge-offs to loans | 0.3562% | 1,774 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.7083% | 3,326 |
| Efficiency ratio | 85.3679% | 1,475 |
| Assets per employee ($millions) | 4.0348% | 3,723 |
| Cash dividends to net income (ytd only)* | 29.3956% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 2,290 |
| Loan loss allowance to noncurrent loans | 80.1165% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.7793% | 2,440 |
| Noncurrent loans to loans | 2.2971% | 2,058 |
| Net loans and leases to total assets | 33.5007% | 6,438 |
| Net loans and leases to deposits | 37.5413% | 6,504 |
| Net loans and leases to core deposits | 40.0115% | 6,474 |
| Total domestic deposits to total assets | 89.2370% | 1,488 |
| Equity capital to assets | 9.4266% | 4,679 |
| Core capital (leverage) ratio | 9.5374% | 4,187 |
| Tier 1 risk-based capital ratio | 21.8012% | 1,326 |
| Total risk-based capital ratio | 23.0533% | 1,298 |
| Memoranda: | ||
| Average total assets | $153,635,000 | 3,712 |
| Average earning assets | $143,458,670 | 3,668 |
| Average equity | $15,074,330 | 3,929 |
| Average total loans | $53,900,330 | 4,887 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 5,994 |
| Cost of funding earning assets | 0.4234% | 4,882 |
| Net interest margin | 2.9524% | 5,699 |
| Noninterest income to average assets | 0.4396% | 4,184 |
| Noninterest expense to average assets | 2.7648% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3459% | 5,372 |
| Return on assets (ROA) | 0.4812% | 4,932 |
| Pretax return on assets | 0.6008% | 4,941 |
| Return on Equity (ROE) | 4.8099% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.4059% | 4,214 |
| Net charge-offs to loans | 0.7387% | 824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.6436% | 3,281 |
| Efficiency ratio | 86.4931% | 1,458 |
| Assets per employee ($millions) | 4.0401% | 3,863 |
| Cash dividends to net income (ytd only)* | 29.1892% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7946% | 2,638 |
| Loan loss allowance to noncurrent loans | 75.7312% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 2,482 |
| Noncurrent loans to loans | 2.3698% | 2,196 |
| Net loans and leases to total assets | 34.1465% | 6,411 |
| Net loans and leases to deposits | 38.6803% | 6,478 |
| Net loans and leases to core deposits | 41.2471% | 6,428 |
| Total domestic deposits to total assets | 88.2787% | 2,140 |
| Equity capital to assets | 10.0304% | 4,110 |
| Core capital (leverage) ratio | 9.4525% | 4,160 |
| Tier 1 risk-based capital ratio | 21.7808% | 1,379 |
| Total risk-based capital ratio | 23.0333% | 1,347 |
| Memoranda: | ||
| Average total assets | $153,791,500 | 3,747 |
| Average earning assets | $143,613,500 | 3,702 |
| Average equity | $15,385,000 | 3,921 |
| Average total loans | $54,687,000 | 4,896 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 5,941 |
| Cost of funding earning assets | 0.5035% | 5,198 |
| Net interest margin | 3.2494% | 5,431 |
| Noninterest income to average assets | 0.3549% | 4,930 |
| Noninterest expense to average assets | 2.8513% | 3,841 |
| Loan and lease loss provision to assets | 0.4446% | 1,421 |
| Net operating income to assets | 0.0742% | 6,051 |
| Return on assets (ROA) | 0.4606% | 5,086 |
| Pretax return on assets | 0.5490% | 5,139 |
| Return on Equity (ROE) | 4.7347% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.4168% | 4,533 |
| Net charge-offs to loans | 0.9291% | 1,209 |
| Credit loss provision to net charge-offs | 125.7246% | 2,248 |
| Earnings coverage of net charge-offs (x) | 1.5091% | 4,691 |
| Efficiency ratio | 84.2354% | 1,600 |
| Assets per employee ($millions) | 3.8515% | 4,268 |
| Cash dividends to net income (ytd only)* | 48.9569% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 2,318 |
| Loan loss allowance to noncurrent loans | 64.5338% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.0505% | 2,391 |
| Noncurrent loans to loans | 2.9307% | 1,785 |
| Net loans and leases to total assets | 35.6578% | 6,454 |
| Net loans and leases to deposits | 40.3561% | 6,532 |
| Net loans and leases to core deposits | 42.8823% | 6,510 |
| Total domestic deposits to total assets | 88.3577% | 1,991 |
| Equity capital to assets | 9.9773% | 4,203 |
| Core capital (leverage) ratio | 9.1987% | 4,581 |
| Tier 1 risk-based capital ratio | 20.6301% | 1,539 |
| Total risk-based capital ratio | 21.8788% | 1,508 |
| Memoranda: | ||
| Average total assets | $156,104,000 | 3,683 |
| Average earning assets | $145,566,600 | 3,631 |
| Average equity | $15,185,600 | 3,922 |
| Average total loans | $59,411,400 | 4,738 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 6,032 |
| Cost of funding earning assets | 0.5177% | 5,325 |
| Net interest margin | 3.2807% | 5,452 |
| Noninterest income to average assets | 0.2946% | 5,420 |
| Noninterest expense to average assets | 2.8443% | 3,826 |
| Loan and lease loss provision to assets | 0.5908% | 951 |
| Net operating income to assets | -0.0664% | 6,360 |
| Return on assets (ROA) | 0.4410% | 5,313 |
| Pretax return on assets | 0.5295% | 5,379 |
| Return on Equity (ROE) | 4.5620% | 5,017 |
| Retained earnings to average equity (ytd only) | 2.9943% | 4,755 |
| Net charge-offs to loans | 1.2832% | 743 |
| Credit loss provision to net charge-offs | 119.6552% | 2,421 |
| Earnings coverage of net charge-offs (x) | 1.0310% | 4,800 |
| Efficiency ratio | 84.8185% | 1,491 |
| Assets per employee ($millions) | 4.1671% | 3,542 |
| Cash dividends to net income (ytd only)* | 34.3633% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 2,845 |
| Loan loss allowance to noncurrent loans | 66.6882% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.8781% | 2,820 |
| Noncurrent loans to loans | 2.6767% | 2,116 |
| Net loans and leases to total assets | 35.8243% | 6,560 |
| Net loans and leases to deposits | 40.4384% | 6,662 |
| Net loans and leases to core deposits | 42.9662% | 6,631 |
| Total domestic deposits to total assets | 88.5897% | 1,664 |
| Equity capital to assets | 9.7399% | 4,873 |
| Core capital (leverage) ratio | 9.1458% | 4,839 |
| Tier 1 risk-based capital ratio | 20.0053% | 1,758 |
| Total risk-based capital ratio | 21.2574% | 1,728 |
| Memoranda: | ||
| Average total assets | $156,615,250 | 3,708 |
| Average earning assets | $146,021,750 | 3,661 |
| Average equity | $15,139,250 | 3,967 |
| Average total loans | $60,266,000 | 4,754 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 5,902 |
| Cost of funding earning assets | 0.5380% | 5,386 |
| Net interest margin | 3.3668% | 5,211 |
| Noninterest income to average assets | 0.4191% | 4,511 |
| Noninterest expense to average assets | 2.8442% | 3,856 |
| Loan and lease loss provision to assets | 0.8895% | 527 |
| Net operating income to assets | -0.1720% | 6,513 |
| Return on assets (ROA) | 0.3589% | 5,609 |
| Pretax return on assets | 0.3691% | 5,784 |
| Return on Equity (ROE) | 3.7222% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.5820% | 5,414 |
| Net charge-offs to loans | 1.8886% | 460 |
| Credit loss provision to net charge-offs | 120.2773% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.9619% | 4,553 |
| Efficiency ratio | 79.9928% | 2,180 |
| Assets per employee ($millions) | 4.0644% | 3,737 |
| Cash dividends to net income (ytd only)* | 57.5000% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 3,024 |
| Loan loss allowance to noncurrent loans | 61.1834% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.8188% | 3,016 |
| Noncurrent loans to loans | 2.8607% | 2,095 |
| Net loans and leases to total assets | 36.6170% | 6,574 |
| Net loans and leases to deposits | 41.1812% | 6,693 |
| Net loans and leases to core deposits | 43.7376% | 6,673 |
| Total domestic deposits to total assets | 88.9169% | 1,563 |
| Equity capital to assets | 9.4889% | 5,082 |
| Core capital (leverage) ratio | 9.0662% | 4,812 |
| Tier 1 risk-based capital ratio | 18.8242% | 2,020 |
| Total risk-based capital ratio | 20.0751% | 1,999 |
| Memoranda: | ||
| Average total assets | $156,037,670 | 3,738 |
| Average earning assets | $145,360,000 | 3,690 |
| Average equity | $15,044,670 | 3,978 |
| Average total loans | $61,102,000 | 4,738 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 5,616 |
| Cost of funding earning assets | 0.5632% | 5,409 |
| Net interest margin | 3.4844% | 4,775 |
| Noninterest income to average assets | 0.4703% | 4,143 |
| Noninterest expense to average assets | 2.9173% | 3,549 |
| Loan and lease loss provision to assets | 0.1938% | 3,007 |
| Net operating income to assets | 0.4722% | 4,946 |
| Return on assets (ROA) | 0.5891% | 4,611 |
| Pretax return on assets | 0.7545% | 4,588 |
| Return on Equity (ROE) | 6.0612% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.9345% | 4,228 |
| Net charge-offs to loans | 0.2125% | 2,861 |
| Credit loss provision to net charge-offs | 227.2727% | 1,226 |
| Earnings coverage of net charge-offs (x) | 9.3636% | 1,851 |
| Efficiency ratio | 78.5118% | 2,426 |
| Assets per employee ($millions) | 4.1229% | 3,742 |
| Cash dividends to net income (ytd only)* | 35.0877% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 3,793 |
| Loan loss allowance to noncurrent loans | 72.9278% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.6097% | 3,432 |
| Noncurrent loans to loans | 2.1709% | 2,945 |
| Net loans and leases to total assets | 38.0504% | 6,490 |
| Net loans and leases to deposits | 42.9397% | 6,615 |
| Net loans and leases to core deposits | 45.6431% | 6,589 |
| Total domestic deposits to total assets | 88.6137% | 1,947 |
| Equity capital to assets | 9.6457% | 4,593 |
| Core capital (leverage) ratio | 9.2381% | 4,459 |
| Tier 1 risk-based capital ratio | 19.0000% | 1,987 |
| Total risk-based capital ratio | 20.2493% | 1,949 |
| Memoranda: | ||
| Average total assets | $154,801,000 | 3,787 |
| Average earning assets | $144,185,500 | 3,739 |
| Average equity | $15,046,500 | 3,982 |
| Average total loans | $62,115,000 | 4,731 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 5,840 |
| Cost of funding earning assets | 0.6631% | 5,754 |
| Net interest margin | 3.6114% | 4,684 |
| Noninterest income to average assets | 0.4635% | 4,107 |
| Noninterest expense to average assets | 3.0519% | 3,381 |
| Loan and lease loss provision to assets | 0.0369% | 6,103 |
| Net operating income to assets | 0.5420% | 4,267 |
| Return on assets (ROA) | 0.6160% | 4,105 |
| Pretax return on assets | 0.8088% | 3,950 |
| Return on Equity (ROE) | 6.3400% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.1621% | 3,219 |
| Net charge-offs to loans | 0.4278% | 3,294 |
| Credit loss provision to net charge-offs | 19.5730% | 5,923 |
| Earnings coverage of net charge-offs (x) | 3.9644% | 3,319 |
| Efficiency ratio | 80.3076% | 2,263 |
| Assets per employee ($millions) | 4.1333% | 3,583 |
| Cash dividends to net income (ytd only)* | 34.3511% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,293 |
| Loan loss allowance to noncurrent loans | 71.6745% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 3,623 |
| Noncurrent loans to loans | 2.0076% | 3,192 |
| Net loans and leases to total assets | 41.0257% | 6,460 |
| Net loans and leases to deposits | 46.4783% | 6,599 |
| Net loans and leases to core deposits | 49.6428% | 6,546 |
| Total domestic deposits to total assets | 88.2686% | 1,986 |
| Equity capital to assets | 9.7959% | 4,448 |
| Core capital (leverage) ratio | 9.1674% | 4,518 |
| Tier 1 risk-based capital ratio | 18.2556% | 2,118 |
| Total risk-based capital ratio | 19.4440% | 2,103 |
| Memoranda: | ||
| Average total assets | $148,856,400 | 3,825 |
| Average earning assets | $137,536,600 | 3,794 |
| Average equity | $14,463,800 | 4,018 |
| Average total loans | $65,691,800 | 4,643 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 5,879 |
| Cost of funding earning assets | 0.6800% | 5,878 |
| Net interest margin | 3.6425% | 4,606 |
| Noninterest income to average assets | 0.4789% | 4,051 |
| Noninterest expense to average assets | 3.1196% | 3,091 |
| Loan and lease loss provision to assets | 0.0090% | 6,323 |
| Net operating income to assets | 0.5319% | 4,397 |
| Return on assets (ROA) | 0.6097% | 4,229 |
| Pretax return on assets | 0.8117% | 4,083 |
| Return on Equity (ROE) | 6.2877% | 3,883 |
| Retained earnings to average equity (ytd only) | 4.5111% | 3,511 |
| Net charge-offs to loans | -0.0060% | 6,731 |
| Credit loss provision to net charge-offs | -333.3333% | 6,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3117% | 2,072 |
| Assets per employee ($millions) | 4.1420% | 3,557 |
| Cash dividends to net income (ytd only)* | 28.2544% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 2,931 |
| Loan loss allowance to noncurrent loans | 127.3429% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4264% | 3,985 |
| Noncurrent loans to loans | 1.4163% | 4,166 |
| Net loans and leases to total assets | 41.0332% | 6,556 |
| Net loans and leases to deposits | 46.3166% | 6,727 |
| Net loans and leases to core deposits | 49.5434% | 6,692 |
| Total domestic deposits to total assets | 88.5928% | 1,699 |
| Equity capital to assets | 9.7407% | 4,720 |
| Core capital (leverage) ratio | 9.2632% | 4,524 |
| Tier 1 risk-based capital ratio | 17.8718% | 2,300 |
| Total risk-based capital ratio | 19.1243% | 2,264 |
| Memoranda: | ||
| Average total assets | $147,837,750 | 3,860 |
| Average earning assets | $136,276,500 | 3,830 |
| Average equity | $14,334,500 | 4,072 |
| Average total loans | $66,200,500 | 4,667 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 5,693 |
| Cost of funding earning assets | 0.6998% | 5,961 |
| Net interest margin | 3.7001% | 4,257 |
| Noninterest income to average assets | 0.4862% | 3,969 |
| Noninterest expense to average assets | 3.1637% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5336% | 4,360 |
| Return on assets (ROA) | 0.6396% | 3,984 |
| Pretax return on assets | 0.8710% | 3,750 |
| Return on Equity (ROE) | 6.6069% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.8951% | 3,064 |
| Net charge-offs to loans | -0.0568% | 7,052 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3380% | 2,195 |
| Assets per employee ($millions) | 3.9177% | 3,949 |
| Cash dividends to net income (ytd only)* | 25.9101% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 3,053 |
| Loan loss allowance to noncurrent loans | 136.9104% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.4415% | 4,051 |
| Noncurrent loans to loans | 1.3014% | 4,469 |
| Net loans and leases to total assets | 42.9887% | 6,524 |
| Net loans and leases to deposits | 48.6041% | 6,694 |
| Net loans and leases to core deposits | 52.3938% | 6,640 |
| Total domestic deposits to total assets | 88.4466% | 1,884 |
| Equity capital to assets | 9.8090% | 4,379 |
| Core capital (leverage) ratio | 9.4595% | 4,018 |
| Tier 1 risk-based capital ratio | 18.1222% | 2,132 |
| Total risk-based capital ratio | 19.3749% | 2,086 |
| Memoranda: | ||
| Average total assets | $146,032,330 | 3,921 |
| Average earning assets | $134,320,670 | 3,901 |
| Average equity | $14,136,670 | 4,101 |
| Average total loans | $66,920,670 | 4,686 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 5,573 |
| Cost of funding earning assets | 0.7318% | 5,967 |
| Net interest margin | 3.7014% | 4,094 |
| Noninterest income to average assets | 0.4702% | 4,117 |
| Noninterest expense to average assets | 3.2003% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5124% | 4,445 |
| Return on assets (ROA) | 0.5145% | 4,518 |
| Pretax return on assets | 0.6721% | 4,407 |
| Return on Equity (ROE) | 5.3512% | 4,212 |
| Retained earnings to average equity (ytd only) | 3.6250% | 4,005 |
| Net charge-offs to loans | -0.0590% | 6,940 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7019% | 2,120 |
| Assets per employee ($millions) | 3.9064% | 4,057 |
| Cash dividends to net income (ytd only)* | 32.2581% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 3,272 |
| Loan loss allowance to noncurrent loans | 132.1101% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5013% | 4,001 |
| Noncurrent loans to loans | 1.3031% | 4,524 |
| Net loans and leases to total assets | 45.4998% | 6,334 |
| Net loans and leases to deposits | 51.3372% | 6,530 |
| Net loans and leases to core deposits | 55.5697% | 6,447 |
| Total domestic deposits to total assets | 88.6292% | 2,001 |
| Equity capital to assets | 9.6723% | 4,217 |
| Core capital (leverage) ratio | 9.5055% | 3,794 |
| Tier 1 risk-based capital ratio | 17.4425% | 2,319 |
| Total risk-based capital ratio | 18.6947% | 2,284 |
| Memoranda: | ||
| Average total assets | $144,611,500 | 3,981 |
| Average earning assets | $132,815,500 | 3,961 |
| Average equity | $13,903,500 | 4,124 |
| Average total loans | $67,801,000 | 4,694 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 5,630 |
| Cost of funding earning assets | 0.8860% | 6,219 |
| Net interest margin | 3.8613% | 3,684 |
| Noninterest income to average assets | 0.4505% | 4,508 |
| Noninterest expense to average assets | 3.1338% | 3,331 |
| Loan and lease loss provision to assets | 0.3520% | 4,017 |
| Net operating income to assets | 0.3550% | 4,722 |
| Return on assets (ROA) | 0.6914% | 3,390 |
| Pretax return on assets | 0.9659% | 3,046 |
| Return on Equity (ROE) | 7.1735% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.7678% | 1,952 |
| Net charge-offs to loans | 0.6689% | 3,006 |
| Credit loss provision to net charge-offs | 103.9175% | 4,327 |
| Earnings coverage of net charge-offs (x) | 2.5113% | 3,858 |
| Efficiency ratio | 78.6503% | 2,587 |
| Assets per employee ($millions) | 3.8075% | 4,239 |
| Cash dividends to net income (ytd only)* | 19.5960% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 3,347 |
| Loan loss allowance to noncurrent loans | 83.7858% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 3,966 |
| Noncurrent loans to loans | 1.9844% | 3,589 |
| Net loans and leases to total assets | 46.6832% | 6,497 |
| Net loans and leases to deposits | 52.5512% | 6,711 |
| Net loans and leases to core deposits | 56.6521% | 6,658 |
| Total domestic deposits to total assets | 88.8338% | 1,753 |
| Equity capital to assets | 9.5566% | 4,330 |
| Core capital (leverage) ratio | 9.3432% | 3,936 |
| Tier 1 risk-based capital ratio | 16.9268% | 2,370 |
| Total risk-based capital ratio | 18.1784% | 2,343 |
| Memoranda: | ||
| Average total assets | $143,181,800 | 4,005 |
| Average earning assets | $131,043,000 | 3,991 |
| Average equity | $13,800,800 | 4,184 |
| Average total loans | $72,502,200 | 4,590 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 5,675 |
| Cost of funding earning assets | 0.9129% | 6,343 |
| Net interest margin | 3.8831% | 3,600 |
| Noninterest income to average assets | 0.4295% | 4,720 |
| Noninterest expense to average assets | 3.1371% | 3,157 |
| Loan and lease loss provision to assets | 0.4706% | 3,120 |
| Net operating income to assets | 0.2511% | 5,348 |
| Return on assets (ROA) | 0.5807% | 4,115 |
| Pretax return on assets | 0.8683% | 3,670 |
| Return on Equity (ROE) | 6.0120% | 3,807 |
| Retained earnings to average equity (ytd only) | 4.5912% | 3,270 |
| Net charge-offs to loans | 0.5336% | 3,170 |
| Credit loss provision to net charge-offs | 171.4286% | 2,159 |
| Earnings coverage of net charge-offs (x) | 3.0850% | 3,590 |
| Efficiency ratio | 78.7438% | 2,524 |
| Assets per employee ($millions) | 3.8857% | 4,065 |
| Cash dividends to net income (ytd only)* | 23.6341% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 2,572 |
| Loan loss allowance to noncurrent loans | 72.1711% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.8161% | 3,726 |
| Noncurrent loans to loans | 2.5910% | 3,031 |
| Net loans and leases to total assets | 48.6555% | 6,463 |
| Net loans and leases to deposits | 55.0755% | 6,683 |
| Net loans and leases to core deposits | 59.4279% | 6,644 |
| Total domestic deposits to total assets | 88.3432% | 1,765 |
| Equity capital to assets | 9.8588% | 4,342 |
| Core capital (leverage) ratio | 9.1205% | 4,497 |
| Tier 1 risk-based capital ratio | 16.1084% | 2,711 |
| Total risk-based capital ratio | 17.3641% | 2,656 |
| Memoranda: | ||
| Average total assets | $142,805,750 | 4,062 |
| Average earning assets | $130,718,250 | 4,052 |
| Average equity | $13,794,250 | 4,252 |
| Average total loans | $73,456,250 | 4,621 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 5,731 |
| Cost of funding earning assets | 0.9324% | 6,454 |
| Net interest margin | 3.8849% | 3,513 |
| Noninterest income to average assets | 0.4801% | 4,288 |
| Noninterest expense to average assets | 3.1274% | 3,197 |
| Loan and lease loss provision to assets | 0.2527% | 4,399 |
| Net operating income to assets | 0.4881% | 4,386 |
| Return on assets (ROA) | 0.9755% | 2,360 |
| Pretax return on assets | 1.2998% | 2,084 |
| Return on Equity (ROE) | 10.1700% | 2,036 |
| Retained earnings to average equity (ytd only) | 8.7945% | 1,181 |
| Net charge-offs to loans | 0.4395% | 3,225 |
| Credit loss provision to net charge-offs | 110.4294% | 3,682 |
| Earnings coverage of net charge-offs (x) | 3.9448% | 3,111 |
| Efficiency ratio | 77.6036% | 2,793 |
| Assets per employee ($millions) | 3.7959% | 4,230 |
| Cash dividends to net income (ytd only)* | 13.5252% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 3,673 |
| Loan loss allowance to noncurrent loans | 65.4796% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.7880% | 3,775 |
| Noncurrent loans to loans | 2.3661% | 3,299 |
| Net loans and leases to total assets | 50.2215% | 6,411 |
| Net loans and leases to deposits | 57.4122% | 6,623 |
| Net loans and leases to core deposits | 62.1544% | 6,536 |
| Total domestic deposits to total assets | 87.4753% | 2,268 |
| Equity capital to assets | 9.6192% | 4,518 |
| Core capital (leverage) ratio | 9.2893% | 4,140 |
| Tier 1 risk-based capital ratio | 15.6205% | 2,840 |
| Total risk-based capital ratio | 16.8712% | 2,808 |
| Memoranda: | ||
| Average total assets | $142,484,330 | 4,085 |
| Average earning assets | $130,195,000 | 4,081 |
| Average equity | $13,667,670 | 4,279 |
| Average total loans | $74,180,000 | 4,634 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 5,916 |
| Cost of funding earning assets | 0.9646% | 6,526 |
| Net interest margin | 3.8276% | 3,674 |
| Noninterest income to average assets | 0.4491% | 4,474 |
| Noninterest expense to average assets | 3.1214% | 3,178 |
| Loan and lease loss provision to assets | 0.2542% | 4,010 |
| Net operating income to assets | 0.4676% | 4,541 |
| Return on assets (ROA) | 1.1920% | 1,633 |
| Pretax return on assets | 1.4435% | 1,655 |
| Return on Equity (ROE) | 12.4447% | 1,381 |
| Retained earnings to average equity (ytd only) | 12.4447% | 689 |
| Net charge-offs to loans | 0.4619% | 2,660 |
| Credit loss provision to net charge-offs | 104.6512% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.3953% | 2,920 |
| Efficiency ratio | 79.0981% | 2,704 |
| Assets per employee ($millions) | 3.6285% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 3,687 |
| Loan loss allowance to noncurrent loans | 49.4082% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.2041% | 3,268 |
| Noncurrent loans to loans | 3.1220% | 2,569 |
| Net loans and leases to total assets | 50.8332% | 6,390 |
| Net loans and leases to deposits | 58.4672% | 6,592 |
| Net loans and leases to core deposits | 62.9928% | 6,525 |
| Total domestic deposits to total assets | 86.9430% | 2,662 |
| Equity capital to assets | 9.7180% | 4,198 |
| Core capital (leverage) ratio | 9.3007% | 4,056 |
| Tier 1 risk-based capital ratio | 15.6060% | 2,825 |
| Total risk-based capital ratio | 16.8547% | 2,773 |
| Memoranda: | ||
| Average total assets | $141,605,000 | 4,168 |
| Average earning assets | $129,376,500 | 4,160 |
| Average equity | $13,564,000 | 4,341 |
| Average total loans | $74,479,500 | 4,696 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3507% | 4,938 |
| Cost of funding earning assets | 1.4043% | 5,920 |
| Net interest margin | 3.9463% | 3,094 |
| Noninterest income to average assets | 0.5041% | 4,376 |
| Noninterest expense to average assets | 3.4597% | 2,493 |
| Loan and lease loss provision to assets | 1.8946% | 1,178 |
| Net operating income to assets | -0.6887% | 6,356 |
| Return on assets (ROA) | -0.7272% | 6,381 |
| Pretax return on assets | -1.3061% | 6,596 |
| Return on Equity (ROE) | -7.4144% | 6,424 |
| Retained earnings to average equity (ytd only) | -7.9382% | 6,343 |
| Net charge-offs to loans | 2.7605% | 813 |
| Credit loss provision to net charge-offs | 118.2234% | 4,570 |
| Earnings coverage of net charge-offs (x) | 0.4048% | 5,709 |
| Efficiency ratio | 84.2115% | 2,323 |
| Assets per employee ($millions) | 3.5425% | 4,913 |
| Cash dividends to net income (ytd only)* | -7.0636% | 7,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 3,840 |
| Loan loss allowance to noncurrent loans | 77.5552% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.6260% | 3,930 |
| Noncurrent loans to loans | 1.9078% | 3,793 |
| Net loans and leases to total assets | 52.7699% | 6,333 |
| Net loans and leases to deposits | 60.1240% | 6,625 |
| Net loans and leases to core deposits | 70.3043% | 6,753 |
| Total domestic deposits to total assets | 87.7685% | 2,082 |
| Equity capital to assets | 9.4397% | 4,501 |
| Core capital (leverage) ratio | 8.8527% | 4,679 |
| Tier 1 risk-based capital ratio | 15.2087% | 2,838 |
| Total risk-based capital ratio | 16.4591% | 2,800 |
| Memoranda: | ||
| Average total assets | $136,283,600 | 4,204 |
| Average earning assets | $124,470,600 | 4,206 |
| Average equity | $13,365,800 | 4,414 |
| Average total loans | $79,116,200 | 4,545 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 4,780 |
| Cost of funding earning assets | 1.4787% | 5,919 |
| Net interest margin | 3.9539% | 3,017 |
| Noninterest income to average assets | 0.4605% | 4,820 |
| Noninterest expense to average assets | 3.4723% | 2,346 |
| Loan and lease loss provision to assets | 1.1640% | 1,667 |
| Net operating income to assets | -0.3599% | 6,275 |
| Return on assets (ROA) | -0.3093% | 6,226 |
| Pretax return on assets | -0.4822% | 6,274 |
| Return on Equity (ROE) | -3.1229% | 6,261 |
| Retained earnings to average equity (ytd only) | -3.8213% | 6,083 |
| Net charge-offs to loans | 1.1444% | 1,764 |
| Credit loss provision to net charge-offs | 171.7201% | 2,708 |
| Earnings coverage of net charge-offs (x) | 0.8892% | 5,168 |
| Efficiency ratio | 85.2085% | 2,157 |
| Assets per employee ($millions) | 3.3672% | 5,223 |
| Cash dividends to net income (ytd only)* | -22.3641% | 7,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,270 |
| Loan loss allowance to noncurrent loans | 56.1088% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8031% | 3,653 |
| Noncurrent loans to loans | 2.7289% | 2,778 |
| Net loans and leases to total assets | 55.3425% | 6,223 |
| Net loans and leases to deposits | 63.6384% | 6,527 |
| Net loans and leases to core deposits | 73.9086% | 6,733 |
| Total domestic deposits to total assets | 86.9639% | 2,199 |
| Equity capital to assets | 9.8994% | 4,212 |
| Core capital (leverage) ratio | 9.5809% | 3,808 |
| Tier 1 risk-based capital ratio | 15.5399% | 2,801 |
| Total risk-based capital ratio | 16.7817% | 2,746 |
| Memoranda: | ||
| Average total assets | $134,929,500 | 4,256 |
| Average earning assets | $123,351,750 | 4,262 |
| Average equity | $13,363,250 | 4,442 |
| Average total loans | $79,920,750 | 4,551 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 4,453 |
| Cost of funding earning assets | 1.5320% | 6,011 |
| Net interest margin | 3.9968% | 2,709 |
| Noninterest income to average assets | 0.4384% | 4,950 |
| Noninterest expense to average assets | 3.5145% | 2,294 |
| Loan and lease loss provision to assets | 1.6390% | 1,019 |
| Net operating income to assets | -0.7373% | 6,783 |
| Return on assets (ROA) | -0.7020% | 6,754 |
| Pretax return on assets | -1.0168% | 6,825 |
| Return on Equity (ROE) | -7.0869% | 6,813 |
| Retained earnings to average equity (ytd only) | -8.1515% | 6,685 |
| Net charge-offs to loans | 0.3522% | 3,426 |
| Credit loss provision to net charge-offs | 771.6312% | 610 |
| Earnings coverage of net charge-offs (x) | 2.6879% | 3,736 |
| Efficiency ratio | 86.0251% | 2,229 |
| Assets per employee ($millions) | 3.2515% | 5,449 |
| Cash dividends to net income (ytd only)* | -15.0215% | 7,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 1,385 |
| Loan loss allowance to noncurrent loans | 58.7491% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.3630% | 2,751 |
| Noncurrent loans to loans | 3.5829% | 1,951 |
| Net loans and leases to total assets | 56.9403% | 6,093 |
| Net loans and leases to deposits | 65.3484% | 6,450 |
| Net loans and leases to core deposits | 76.7826% | 6,622 |
| Total domestic deposits to total assets | 87.1335% | 2,179 |
| Equity capital to assets | 9.7610% | 4,271 |
| Core capital (leverage) ratio | 9.6591% | 3,686 |
| Tier 1 risk-based capital ratio | 15.3015% | 2,883 |
| Total risk-based capital ratio | 16.5511% | 2,822 |
| Memoranda: | ||
| Average total assets | $132,765,000 | 4,332 |
| Average earning assets | $121,148,000 | 4,337 |
| Average equity | $13,151,000 | 4,508 |
| Average total loans | $80,066,330 | 4,578 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 4,317 |
| Cost of funding earning assets | 1.5338% | 6,294 |
| Net interest margin | 4.0723% | 2,398 |
| Noninterest income to average assets | 0.4615% | 4,668 |
| Noninterest expense to average assets | 3.4814% | 2,154 |
| Loan and lease loss provision to assets | 0.2751% | 3,763 |
| Net operating income to assets | 0.3095% | 5,265 |
| Return on assets (ROA) | 0.3118% | 5,429 |
| Pretax return on assets | 0.4249% | 5,325 |
| Return on Equity (ROE) | 3.1237% | 5,316 |
| Retained earnings to average equity (ytd only) | 0.9800% | 5,252 |
| Net charge-offs to loans | 0.0498% | 4,780 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 22.8000% | 1,302 |
| Efficiency ratio | 83.3211% | 2,377 |
| Assets per employee ($millions) | 3.2486% | 5,462 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,237 |
| Loan loss allowance to noncurrent loans | 59.4974% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 4,254 |
| Noncurrent loans to loans | 1.6700% | 3,763 |
| Net loans and leases to total assets | 60.2248% | 5,620 |
| Net loans and leases to deposits | 69.2940% | 6,049 |
| Net loans and leases to core deposits | 81.0463% | 6,306 |
| Total domestic deposits to total assets | 86.9120% | 2,261 |
| Equity capital to assets | 9.9466% | 4,055 |
| Core capital (leverage) ratio | 10.5654% | 2,850 |
| Tier 1 risk-based capital ratio | 15.9697% | 2,700 |
| Total risk-based capital ratio | 16.9035% | 2,735 |
| Memoranda: | ||
| Average total assets | $130,865,500 | 4,392 |
| Average earning assets | $119,441,500 | 4,401 |
| Average equity | $13,061,500 | 4,566 |
| Average total loans | $80,383,500 | 4,600 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8956% | 6,055 |
| Cost of funding earning assets | 2.1047% | 6,035 |
| Net interest margin | 3.7910% | 4,060 |
| Noninterest income to average assets | 0.5754% | 4,047 |
| Noninterest expense to average assets | 3.3800% | 2,734 |
| Loan and lease loss provision to assets | 0.1171% | 5,875 |
| Net operating income to assets | 0.3672% | 5,284 |
| Return on assets (ROA) | 0.4349% | 4,832 |
| Pretax return on assets | 0.5707% | 4,779 |
| Return on Equity (ROE) | 4.1715% | 4,755 |
| Retained earnings to average equity (ytd only) | 2.0670% | 3,951 |
| Net charge-offs to loans | 0.4275% | 2,680 |
| Credit loss provision to net charge-offs | 45.8716% | 6,392 |
| Earnings coverage of net charge-offs (x) | 2.3456% | 4,911 |
| Efficiency ratio | 84.9490% | 1,954 |
| Assets per employee ($millions) | 2.9893% | 6,078 |
| Cash dividends to net income (ytd only)* | 50.4488% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,624 |
| Loan loss allowance to noncurrent loans | 69.3780% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 4,269 |
| Noncurrent loans to loans | 1.3104% | 3,889 |
| Net loans and leases to total assets | 61.4774% | 5,701 |
| Net loans and leases to deposits | 70.8225% | 6,190 |
| Net loans and leases to core deposits | 83.9188% | 6,298 |
| Total domestic deposits to total assets | 86.8049% | 2,031 |
| Equity capital to assets | 10.0163% | 4,016 |
| Core capital (leverage) ratio | 10.6922% | 2,832 |
| Tier 1 risk-based capital ratio | 16.6989% | 2,416 |
| Total risk-based capital ratio | 17.5815% | 2,487 |
| Memoranda: | ||
| Average total assets | $128,078,200 | 4,326 |
| Average earning assets | $114,983,200 | 4,386 |
| Average equity | $13,352,400 | 4,485 |
| Average total loans | $76,484,400 | 4,634 |