Home > The First National Bank of Mount Vernon > Performance and Condition Ratios
The First National Bank of Mount Vernon, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 4,584 |
| Cost of funding earning assets | 0.7937% | 1,553 |
| Net interest margin | 2.9584% | 4,841 |
| Noninterest income to average assets | 0.7681% | 1,577 |
| Noninterest expense to average assets | 1.8720% | 4,929 |
| Loan and lease loss provision to assets | 0.0241% | 3,686 |
| Net operating income to assets | 1.7257% | 648 |
| Return on assets (ROA) | 1.7257% | 648 |
| Pretax return on assets | 1.7257% | 1,103 |
| Return on Equity (ROE) | 15.9557% | 641 |
| Retained earnings to average equity (ytd only) | 6.8089% | 1,748 |
| Net charge-offs to loans | 0.0081% | 3,398 |
| Credit loss provision to net charge-offs | 685.7143% | 506 |
| Earnings coverage of net charge-offs (x) | 497.2857% | 212 |
| Efficiency ratio | 51.6863% | 4,820 |
| Assets per employee ($millions) | 5.9689% | 1,545 |
| Cash dividends to net income (ytd only)* | 57.3260% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,658 |
| Loan loss allowance to noncurrent loans | 6,242.8571% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,695 |
| Noncurrent loans to loans | 0.0161% | 4,723 |
| Net loans and leases to total assets | 45.1032% | 4,777 |
| Net loans and leases to deposits | 62.6219% | 4,337 |
| Net loans and leases to core deposits | 66.7677% | 4,310 |
| Total domestic deposits to total assets | 72.0247% | 5,071 |
| Equity capital to assets | 11.4856% | 2,257 |
| Core capital (leverage) ratio | 12.1115% | 1,661 |
| Tier 1 risk-based capital ratio | 29.4500% | 491 |
| Total risk-based capital ratio | 30.5485% | 489 |
| Memoranda: | ||
| Average total assets | $198,936,600 | 2,887 |
| Average earning assets | $191,895,600 | 2,807 |
| Average equity | $21,515,800 | 2,939 |
| Average total loans | $86,607,400 | 3,541 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,637 |
| Cost of funding earning assets | 0.7611% | 1,529 |
| Net interest margin | 2.9448% | 4,920 |
| Noninterest income to average assets | 0.4685% | 3,053 |
| Noninterest expense to average assets | 1.8156% | 5,023 |
| Loan and lease loss provision to assets | 0.0239% | 3,542 |
| Net operating income to assets | 1.4712% | 1,269 |
| Return on assets (ROA) | 1.4712% | 1,270 |
| Pretax return on assets | 1.4712% | 1,993 |
| Return on Equity (ROE) | 13.8061% | 1,173 |
| Retained earnings to average equity (ytd only) | 9.9825% | 930 |
| Net charge-offs to loans | 0.0185% | 2,778 |
| Credit loss provision to net charge-offs | 300.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 187.7450% | 460 |
| Efficiency ratio | 54.8406% | 4,523 |
| Assets per employee ($millions) | 5.9196% | 1,554 |
| Cash dividends to net income (ytd only)* | 27.6952% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,847 |
| Loan loss allowance to noncurrent loans | 208.5158% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,328 |
| Noncurrent loans to loans | 0.4737% | 2,965 |
| Net loans and leases to total assets | 45.3533% | 4,826 |
| Net loans and leases to deposits | 63.3651% | 4,367 |
| Net loans and leases to core deposits | 67.7115% | 4,307 |
| Total domestic deposits to total assets | 71.5747% | 5,157 |
| Equity capital to assets | 11.3606% | 2,349 |
| Core capital (leverage) ratio | 12.0173% | 1,777 |
| Tier 1 risk-based capital ratio | 29.5310% | 504 |
| Total risk-based capital ratio | 30.6048% | 497 |
| Memoranda: | ||
| Average total assets | $200,919,750 | 2,876 |
| Average earning assets | $193,919,750 | 2,795 |
| Average equity | $21,410,250 | 2,959 |
| Average total loans | $86,503,500 | 3,569 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6325% | 4,710 |
| Cost of funding earning assets | 0.7561% | 1,345 |
| Net interest margin | 2.8764% | 5,050 |
| Noninterest income to average assets | 0.4493% | 3,156 |
| Noninterest expense to average assets | 1.7963% | 5,098 |
| Loan and lease loss provision to assets | 0.0234% | 3,449 |
| Net operating income to assets | 1.4056% | 1,421 |
| Return on assets (ROA) | 1.4056% | 1,421 |
| Pretax return on assets | 1.4056% | 2,123 |
| Return on Equity (ROE) | 13.4652% | 1,218 |
| Retained earnings to average equity (ytd only) | 9.1982% | 1,153 |
| Net charge-offs to loans | -0.0069% | 4,192 |
| Credit loss provision to net charge-offs | -800.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6935% | 4,516 |
| Assets per employee ($millions) | 5.4562% | 1,932 |
| Cash dividends to net income (ytd only)* | 31.6887% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,828 |
| Loan loss allowance to noncurrent loans | 1,194.4444% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 4,698 |
| Noncurrent loans to loans | 0.0839% | 4,533 |
| Net loans and leases to total assets | 43.2681% | 4,941 |
| Net loans and leases to deposits | 59.8940% | 4,535 |
| Net loans and leases to core deposits | 62.9432% | 4,558 |
| Total domestic deposits to total assets | 72.2412% | 5,164 |
| Equity capital to assets | 10.8688% | 2,765 |
| Core capital (leverage) ratio | 11.2651% | 2,289 |
| Tier 1 risk-based capital ratio | 28.8754% | 525 |
| Total risk-based capital ratio | 29.9575% | 526 |
| Memoranda: | ||
| Average total assets | $204,751,000 | 2,856 |
| Average earning assets | $197,605,330 | 2,778 |
| Average equity | $21,373,670 | 2,980 |
| Average total loans | $86,415,330 | 3,593 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 4,787 |
| Cost of funding earning assets | 0.7430% | 1,220 |
| Net interest margin | 2.8117% | 5,149 |
| Noninterest income to average assets | 0.4270% | 3,271 |
| Noninterest expense to average assets | 1.7347% | 5,214 |
| Loan and lease loss provision to assets | 0.0230% | 3,227 |
| Net operating income to assets | 1.3862% | 1,381 |
| Return on assets (ROA) | 1.3862% | 1,394 |
| Pretax return on assets | 1.3862% | 2,059 |
| Return on Equity (ROE) | 13.5416% | 1,124 |
| Retained earnings to average equity (ytd only) | 9.2958% | 1,366 |
| Net charge-offs to loans | -0.0231% | 4,627 |
| Credit loss provision to net charge-offs | -240.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1766% | 4,675 |
| Assets per employee ($millions) | 5.6459% | 1,805 |
| Cash dividends to net income (ytd only)* | 31.3536% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 4,049 |
| Loan loss allowance to noncurrent loans | 1,118.4211% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,783 |
| Noncurrent loans to loans | 0.0879% | 4,587 |
| Net loans and leases to total assets | 40.9731% | 5,031 |
| Net loans and leases to deposits | 55.3474% | 4,728 |
| Net loans and leases to core deposits | 57.9150% | 4,758 |
| Total domestic deposits to total assets | 74.0290% | 5,155 |
| Equity capital to assets | 10.0776% | 3,525 |
| Core capital (leverage) ratio | 10.5319% | 2,906 |
| Tier 1 risk-based capital ratio | 27.6216% | 581 |
| Total risk-based capital ratio | 28.6668% | 581 |
| Memoranda: | ||
| Average total assets | $208,914,500 | 2,857 |
| Average earning assets | $201,874,000 | 2,768 |
| Average equity | $21,386,000 | 3,004 |
| Average total loans | $86,698,500 | 3,616 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 4,767 |
| Cost of funding earning assets | 0.6665% | 1,202 |
| Net interest margin | 2.8463% | 5,111 |
| Noninterest income to average assets | 0.5432% | 2,757 |
| Noninterest expense to average assets | 1.8470% | 5,199 |
| Loan and lease loss provision to assets | 0.1067% | 2,099 |
| Net operating income to assets | 1.3300% | 1,163 |
| Return on assets (ROA) | 1.3300% | 1,181 |
| Pretax return on assets | 1.3300% | 2,248 |
| Return on Equity (ROE) | 12.7257% | 1,020 |
| Retained earnings to average equity (ytd only) | 3.9170% | 2,853 |
| Net charge-offs to loans | 0.0752% | 2,375 |
| Credit loss provision to net charge-offs | 360.6557% | 818 |
| Earnings coverage of net charge-offs (x) | 48.5574% | 1,110 |
| Efficiency ratio | 56.2482% | 4,746 |
| Assets per employee ($millions) | 5.6468% | 1,794 |
| Cash dividends to net income (ytd only)* | 69.2195% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,170 |
| Loan loss allowance to noncurrent loans | 335.8871% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,424 |
| Noncurrent loans to loans | 0.2852% | 3,760 |
| Net loans and leases to total assets | 41.2203% | 5,091 |
| Net loans and leases to deposits | 56.3018% | 4,785 |
| Net loans and leases to core deposits | 58.7390% | 4,818 |
| Total domestic deposits to total assets | 73.2132% | 5,242 |
| Equity capital to assets | 10.3958% | 3,277 |
| Core capital (leverage) ratio | 10.5262% | 2,818 |
| Tier 1 risk-based capital ratio | 27.5546% | 566 |
| Total risk-based capital ratio | 28.5996% | 568 |
| Memoranda: | ||
| Average total assets | $206,168,400 | 2,859 |
| Average earning assets | $198,505,000 | 2,782 |
| Average equity | $21,547,000 | 2,989 |
| Average total loans | $81,130,000 | 3,728 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 4,841 |
| Cost of funding earning assets | 0.6657% | 1,143 |
| Net interest margin | 2.8159% | 5,197 |
| Noninterest income to average assets | 0.5554% | 2,699 |
| Noninterest expense to average assets | 1.8545% | 5,195 |
| Loan and lease loss provision to assets | 0.1038% | 2,031 |
| Net operating income to assets | 1.3088% | 1,300 |
| Return on assets (ROA) | 1.3088% | 1,339 |
| Pretax return on assets | 1.3088% | 2,441 |
| Return on Equity (ROE) | 12.5061% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.7876% | 1,309 |
| Net charge-offs to loans | 0.0920% | 1,867 |
| Credit loss provision to net charge-offs | 290.9091% | 1,021 |
| Earnings coverage of net charge-offs (x) | 39.5826% | 1,308 |
| Efficiency ratio | 56.7627% | 4,637 |
| Assets per employee ($millions) | 5.5354% | 1,892 |
| Cash dividends to net income (ytd only)* | 37.7292% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 4,405 |
| Loan loss allowance to noncurrent loans | 950.0000% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 4,903 |
| Noncurrent loans to loans | 0.0985% | 4,672 |
| Net loans and leases to total assets | 40.2849% | 5,189 |
| Net loans and leases to deposits | 55.4881% | 4,894 |
| Net loans and leases to core deposits | 57.4780% | 4,933 |
| Total domestic deposits to total assets | 72.6011% | 5,344 |
| Equity capital to assets | 11.1400% | 2,725 |
| Core capital (leverage) ratio | 10.6803% | 2,788 |
| Tier 1 risk-based capital ratio | 28.8074% | 530 |
| Total risk-based capital ratio | 29.8101% | 533 |
| Memoranda: | ||
| Average total assets | $205,477,750 | 2,890 |
| Average earning assets | $197,870,750 | 2,815 |
| Average equity | $21,503,750 | 3,021 |
| Average total loans | $79,673,750 | 3,781 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 4,934 |
| Cost of funding earning assets | 0.6434% | 1,187 |
| Net interest margin | 2.7785% | 5,277 |
| Noninterest income to average assets | 0.5027% | 3,007 |
| Noninterest expense to average assets | 1.8892% | 5,200 |
| Loan and lease loss provision to assets | 0.0681% | 2,610 |
| Net operating income to assets | 1.2202% | 1,532 |
| Return on assets (ROA) | 1.2202% | 1,572 |
| Pretax return on assets | 1.2202% | 2,697 |
| Return on Equity (ROE) | 11.9147% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.5286% | 1,340 |
| Net charge-offs to loans | 0.0076% | 3,181 |
| Credit loss provision to net charge-offs | 2,333.3333% | 184 |
| Earnings coverage of net charge-offs (x) | 441.6667% | 192 |
| Efficiency ratio | 59.4553% | 4,402 |
| Assets per employee ($millions) | 5.4083% | 1,955 |
| Cash dividends to net income (ytd only)* | 36.8127% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 4,575 |
| Loan loss allowance to noncurrent loans | 387.9581% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,731 |
| Noncurrent loans to loans | 0.2359% | 4,187 |
| Net loans and leases to total assets | 39.0352% | 5,256 |
| Net loans and leases to deposits | 53.9913% | 4,963 |
| Net loans and leases to core deposits | 56.3145% | 4,981 |
| Total domestic deposits to total assets | 72.2991% | 5,436 |
| Equity capital to assets | 10.9538% | 2,854 |
| Core capital (leverage) ratio | 10.6200% | 2,786 |
| Tier 1 risk-based capital ratio | 28.6847% | 515 |
| Total risk-based capital ratio | 29.6546% | 518 |
| Memoranda: | ||
| Average total assets | $205,700,000 | 2,899 |
| Average earning assets | $198,023,000 | 2,825 |
| Average equity | $21,066,330 | 3,060 |
| Average total loans | $78,469,330 | 3,825 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3695% | 4,997 |
| Cost of funding earning assets | 0.6411% | 1,125 |
| Net interest margin | 2.7284% | 5,352 |
| Noninterest income to average assets | 0.4354% | 3,413 |
| Noninterest expense to average assets | 1.8543% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2032% | 1,497 |
| Return on assets (ROA) | 1.2032% | 1,533 |
| Pretax return on assets | 1.2032% | 2,585 |
| Return on Equity (ROE) | 12.1710% | 1,186 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,465 |
| Net charge-offs to loans | 0.0259% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 123.8000% | 445 |
| Efficiency ratio | 60.6484% | 4,379 |
| Assets per employee ($millions) | 5.4601% | 1,931 |
| Cash dividends to net income (ytd only)* | 34.4103% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 4,914 |
| Loan loss allowance to noncurrent loans | 806.0241% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 4,921 |
| Noncurrent loans to loans | 0.1058% | 4,763 |
| Net loans and leases to total assets | 37.4751% | 5,350 |
| Net loans and leases to deposits | 47.5603% | 5,239 |
| Net loans and leases to core deposits | 49.4886% | 5,242 |
| Total domestic deposits to total assets | 78.7948% | 4,864 |
| Equity capital to assets | 10.0616% | 3,679 |
| Core capital (leverage) ratio | 10.1845% | 3,256 |
| Tier 1 risk-based capital ratio | 28.5739% | 528 |
| Total risk-based capital ratio | 29.4618% | 533 |
| Memoranda: | ||
| Average total assets | $205,791,500 | 2,929 |
| Average earning assets | $197,772,500 | 2,854 |
| Average equity | $20,343,500 | 3,134 |
| Average total loans | $77,221,500 | 3,876 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3040% | 5,154 |
| Cost of funding earning assets | 0.6826% | 895 |
| Net interest margin | 2.6214% | 5,491 |
| Noninterest income to average assets | 0.4267% | 3,702 |
| Noninterest expense to average assets | 2.0343% | 5,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9161% | 2,743 |
| Return on assets (ROA) | 0.9161% | 2,854 |
| Pretax return on assets | 0.9161% | 3,788 |
| Return on Equity (ROE) | 8.3466% | 2,760 |
| Retained earnings to average equity (ytd only) | 2.2654% | 4,240 |
| Net charge-offs to loans | 0.0368% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 71.8462% | 776 |
| Efficiency ratio | 68.6669% | 3,138 |
| Assets per employee ($millions) | 5.6695% | 1,722 |
| Cash dividends to net income (ytd only)* | 72.8587% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,832 |
| Loan loss allowance to noncurrent loans | 233.2180% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 4,557 |
| Noncurrent loans to loans | 0.3802% | 3,769 |
| Net loans and leases to total assets | 36.9160% | 5,452 |
| Net loans and leases to deposits | 45.4521% | 5,385 |
| Net loans and leases to core deposits | 47.9008% | 5,374 |
| Total domestic deposits to total assets | 81.2196% | 4,281 |
| Equity capital to assets | 9.7065% | 4,059 |
| Core capital (leverage) ratio | 9.9748% | 3,513 |
| Tier 1 risk-based capital ratio | 27.9054% | 572 |
| Total risk-based capital ratio | 28.7958% | 576 |
| Memoranda: | ||
| Average total assets | $203,904,800 | 2,914 |
| Average earning assets | $196,308,600 | 2,833 |
| Average equity | $22,380,400 | 2,954 |
| Average total loans | $70,722,200 | 4,028 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3225% | 5,180 |
| Cost of funding earning assets | 0.7027% | 806 |
| Net interest margin | 2.6198% | 5,570 |
| Noninterest income to average assets | 0.4258% | 3,725 |
| Noninterest expense to average assets | 2.0556% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8915% | 2,954 |
| Return on assets (ROA) | 0.8915% | 3,087 |
| Pretax return on assets | 0.8915% | 4,010 |
| Return on Equity (ROE) | 7.8935% | 3,063 |
| Retained earnings to average equity (ytd only) | 5.3337% | 2,597 |
| Net charge-offs to loans | 0.0768% | 2,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 34.0763% | 1,375 |
| Efficiency ratio | 69.4629% | 2,975 |
| Assets per employee ($millions) | 5.4972% | 1,853 |
| Cash dividends to net income (ytd only)* | 32.4285% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 4,897 |
| Loan loss allowance to noncurrent loans | 341.9689% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 5,073 |
| Noncurrent loans to loans | 0.2609% | 4,327 |
| Net loans and leases to total assets | 35.0900% | 5,585 |
| Net loans and leases to deposits | 43.8036% | 5,518 |
| Net loans and leases to core deposits | 46.1387% | 5,508 |
| Total domestic deposits to total assets | 80.1076% | 4,491 |
| Equity capital to assets | 11.3842% | 2,618 |
| Core capital (leverage) ratio | 10.2989% | 3,230 |
| Tier 1 risk-based capital ratio | 28.6866% | 539 |
| Total risk-based capital ratio | 29.5658% | 550 |
| Memoranda: | ||
| Average total assets | $203,855,750 | 2,927 |
| Average earning assets | $196,193,000 | 2,841 |
| Average equity | $23,022,750 | 2,908 |
| Average total loans | $69,397,750 | 4,090 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3653% | 5,153 |
| Cost of funding earning assets | 0.7101% | 762 |
| Net interest margin | 2.6552% | 5,614 |
| Noninterest income to average assets | 0.4204% | 3,735 |
| Noninterest expense to average assets | 2.0447% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9279% | 2,728 |
| Return on assets (ROA) | 0.9279% | 2,864 |
| Pretax return on assets | 0.9279% | 3,842 |
| Return on Equity (ROE) | 8.2389% | 2,867 |
| Retained earnings to average equity (ytd only) | 5.7093% | 2,291 |
| Net charge-offs to loans | 0.1090% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 25.3514% | 1,513 |
| Efficiency ratio | 68.4859% | 3,248 |
| Assets per employee ($millions) | 5.4891% | 1,803 |
| Cash dividends to net income (ytd only)* | 30.7036% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 4,867 |
| Loan loss allowance to noncurrent loans | 1,227.7778% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 5,488 |
| Noncurrent loans to loans | 0.0754% | 5,152 |
| Net loans and leases to total assets | 34.0338% | 5,674 |
| Net loans and leases to deposits | 45.6075% | 5,508 |
| Net loans and leases to core deposits | 48.2246% | 5,494 |
| Total domestic deposits to total assets | 74.6232% | 5,457 |
| Equity capital to assets | 11.3288% | 2,715 |
| Core capital (leverage) ratio | 10.5136% | 2,960 |
| Tier 1 risk-based capital ratio | 28.7831% | 547 |
| Total risk-based capital ratio | 29.6808% | 558 |
| Memoranda: | ||
| Average total assets | $202,176,330 | 2,961 |
| Average earning assets | $194,338,330 | 2,876 |
| Average equity | $22,770,000 | 2,944 |
| Average total loans | $67,876,670 | 4,154 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 5,062 |
| Cost of funding earning assets | 0.7094% | 773 |
| Net interest margin | 2.7163% | 5,592 |
| Noninterest income to average assets | 0.4101% | 3,748 |
| Noninterest expense to average assets | 2.0505% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9690% | 2,420 |
| Return on assets (ROA) | 0.9690% | 2,530 |
| Pretax return on assets | 0.9690% | 3,583 |
| Return on Equity (ROE) | 8.6303% | 2,592 |
| Retained earnings to average equity (ytd only) | 5.7833% | 2,482 |
| Net charge-offs to loans | -0.0061% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6431% | 3,522 |
| Assets per employee ($millions) | 4.9312% | 2,415 |
| Cash dividends to net income (ytd only)* | 32.9876% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 4,333 |
| Loan loss allowance to noncurrent loans | 614.9123% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 5,374 |
| Noncurrent loans to loans | 0.1708% | 4,800 |
| Net loans and leases to total assets | 33.4753% | 5,734 |
| Net loans and leases to deposits | 39.2439% | 5,737 |
| Net loans and leases to core deposits | 41.3125% | 5,738 |
| Total domestic deposits to total assets | 85.3007% | 3,002 |
| Equity capital to assets | 11.5475% | 2,398 |
| Core capital (leverage) ratio | 10.2587% | 3,253 |
| Tier 1 risk-based capital ratio | 30.3899% | 489 |
| Total risk-based capital ratio | 31.4080% | 491 |
| Memoranda: | ||
| Average total assets | $198,972,500 | 2,997 |
| Average earning assets | $191,145,500 | 2,918 |
| Average equity | $22,340,000 | 2,985 |
| Average total loans | $65,989,000 | 4,219 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2927% | 5,358 |
| Cost of funding earning assets | 0.7632% | 602 |
| Net interest margin | 2.5295% | 5,808 |
| Noninterest income to average assets | 0.3422% | 4,463 |
| Noninterest expense to average assets | 1.8348% | 5,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9518% | 2,604 |
| Return on assets (ROA) | 1.3315% | 1,239 |
| Pretax return on assets | 1.3315% | 2,158 |
| Return on Equity (ROE) | 12.6268% | 1,147 |
| Retained earnings to average equity (ytd only) | 4.7628% | 2,604 |
| Net charge-offs to loans | -0.0211% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5281% | 3,979 |
| Assets per employee ($millions) | 5.2815% | 2,022 |
| Cash dividends to net income (ytd only)* | 62.2801% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 4,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 4,859 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 32.1618% | 5,830 |
| Net loans and leases to deposits | 39.2888% | 5,797 |
| Net loans and leases to core deposits | 41.2545% | 5,787 |
| Total domestic deposits to total assets | 81.8598% | 4,200 |
| Equity capital to assets | 10.9134% | 2,914 |
| Core capital (leverage) ratio | 10.1315% | 3,351 |
| Tier 1 risk-based capital ratio | 29.8027% | 514 |
| Total risk-based capital ratio | 30.8159% | 516 |
| Memoranda: | ||
| Average total assets | $204,875,200 | 2,900 |
| Average earning assets | $197,981,400 | 2,802 |
| Average equity | $21,604,800 | 3,014 |
| Average total loans | $61,757,000 | 4,328 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 5,489 |
| Cost of funding earning assets | 0.7830% | 549 |
| Net interest margin | 2.4747% | 5,927 |
| Noninterest income to average assets | 0.3483% | 4,447 |
| Noninterest expense to average assets | 1.8058% | 5,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9389% | 2,764 |
| Return on assets (ROA) | 1.3494% | 1,273 |
| Pretax return on assets | 1.3494% | 2,215 |
| Return on Equity (ROE) | 12.9056% | 1,145 |
| Retained earnings to average equity (ytd only) | 8.6945% | 1,003 |
| Net charge-offs to loans | 0.0175% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 181.1893% | 397 |
| Efficiency ratio | 65.4871% | 3,974 |
| Assets per employee ($millions) | 5.6306% | 1,660 |
| Cash dividends to net income (ytd only)* | 32.6294% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,320 |
| Loan loss allowance to noncurrent loans | 652.8846% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 4,814 |
| Noncurrent loans to loans | 0.1659% | 4,988 |
| Net loans and leases to total assets | 30.5848% | 5,953 |
| Net loans and leases to deposits | 38.9535% | 5,901 |
| Net loans and leases to core deposits | 41.0722% | 5,883 |
| Total domestic deposits to total assets | 78.5162% | 5,084 |
| Equity capital to assets | 10.8943% | 3,132 |
| Core capital (leverage) ratio | 10.1641% | 3,423 |
| Tier 1 risk-based capital ratio | 30.7801% | 482 |
| Total risk-based capital ratio | 31.7772% | 488 |
| Memoranda: | ||
| Average total assets | $205,919,500 | 2,911 |
| Average earning assets | $199,403,250 | 2,807 |
| Average equity | $21,530,250 | 3,043 |
| Average total loans | $60,884,250 | 4,403 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2588% | 5,518 |
| Cost of funding earning assets | 0.8047% | 486 |
| Net interest margin | 2.4541% | 5,998 |
| Noninterest income to average assets | 0.3527% | 4,440 |
| Noninterest expense to average assets | 1.7672% | 5,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9604% | 2,584 |
| Return on assets (ROA) | 1.5228% | 907 |
| Pretax return on assets | 1.5228% | 1,582 |
| Return on Equity (ROE) | 14.7662% | 768 |
| Retained earnings to average equity (ytd only) | 9.1914% | 863 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4704% | 4,280 |
| Assets per employee ($millions) | 5.7054% | 1,565 |
| Cash dividends to net income (ytd only)* | 37.7538% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 4,190 |
| Loan loss allowance to noncurrent loans | 155.4299% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 5,008 |
| Noncurrent loans to loans | 0.7255% | 3,309 |
| Net loans and leases to total assets | 29.3291% | 6,058 |
| Net loans and leases to deposits | 37.1354% | 5,996 |
| Net loans and leases to core deposits | 38.9641% | 5,990 |
| Total domestic deposits to total assets | 78.9788% | 5,098 |
| Equity capital to assets | 10.2652% | 3,728 |
| Core capital (leverage) ratio | 10.0052% | 3,595 |
| Tier 1 risk-based capital ratio | 30.3046% | 524 |
| Total risk-based capital ratio | 31.3186% | 533 |
| Memoranda: | ||
| Average total assets | $206,992,000 | 2,923 |
| Average earning assets | $200,318,670 | 2,815 |
| Average equity | $21,346,000 | 3,074 |
| Average total loans | $60,287,330 | 4,455 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3052% | 5,443 |
| Cost of funding earning assets | 0.8188% | 451 |
| Net interest margin | 2.4864% | 6,032 |
| Noninterest income to average assets | 0.2753% | 4,974 |
| Noninterest expense to average assets | 1.7498% | 5,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9279% | 2,620 |
| Return on assets (ROA) | 1.9096% | 426 |
| Pretax return on assets | 1.9096% | 704 |
| Return on Equity (ROE) | 18.4756% | 352 |
| Retained earnings to average equity (ytd only) | 11.3424% | 670 |
| Net charge-offs to loans | 0.0400% | 2,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 80.3333% | 591 |
| Efficiency ratio | 65.0611% | 4,308 |
| Assets per employee ($millions) | 5.7014% | 1,624 |
| Cash dividends to net income (ytd only)* | 38.6089% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 4,309 |
| Loan loss allowance to noncurrent loans | 162.5298% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 5,140 |
| Noncurrent loans to loans | 0.7024% | 3,520 |
| Net loans and leases to total assets | 28.7323% | 6,116 |
| Net loans and leases to deposits | 34.9808% | 6,094 |
| Net loans and leases to core deposits | 36.3687% | 6,088 |
| Total domestic deposits to total assets | 82.1374% | 4,472 |
| Equity capital to assets | 10.6436% | 3,381 |
| Core capital (leverage) ratio | 9.5865% | 4,163 |
| Tier 1 risk-based capital ratio | 30.4853% | 516 |
| Total risk-based capital ratio | 31.5138% | 523 |
| Memoranda: | ||
| Average total assets | $207,791,500 | 2,935 |
| Average earning assets | $200,775,000 | 2,826 |
| Average equity | $21,477,000 | 3,081 |
| Average total loans | $59,967,500 | 4,492 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5735% | 5,156 |
| Cost of funding earning assets | 0.7980% | 658 |
| Net interest margin | 2.7755% | 5,845 |
| Noninterest income to average assets | 0.3105% | 4,900 |
| Noninterest expense to average assets | 1.8322% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1582% | 1,730 |
| Return on assets (ROA) | 1.5222% | 869 |
| Pretax return on assets | 1.5222% | 1,467 |
| Return on Equity (ROE) | 15.3124% | 727 |
| Retained earnings to average equity (ytd only) | 6.6201% | 1,584 |
| Net charge-offs to loans | 0.0825% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 47.7347% | 961 |
| Efficiency ratio | 60.9704% | 5,077 |
| Assets per employee ($millions) | 5.8426% | 1,495 |
| Cash dividends to net income (ytd only)* | 56.7664% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 4,337 |
| Loan loss allowance to noncurrent loans | 1,908.3333% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 5,842 |
| Noncurrent loans to loans | 0.0597% | 5,641 |
| Net loans and leases to total assets | 28.3332% | 6,229 |
| Net loans and leases to deposits | 36.9115% | 6,138 |
| Net loans and leases to core deposits | 39.0437% | 6,118 |
| Total domestic deposits to total assets | 76.7597% | 5,638 |
| Equity capital to assets | 10.0355% | 4,064 |
| Core capital (leverage) ratio | 9.5234% | 4,214 |
| Tier 1 risk-based capital ratio | 29.1821% | 549 |
| Total risk-based capital ratio | 30.2075% | 553 |
| Memoranda: | ||
| Average total assets | $201,944,400 | 2,961 |
| Average earning assets | $194,988,400 | 2,856 |
| Average equity | $20,075,200 | 3,151 |
| Average total loans | $59,404,000 | 4,504 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 5,078 |
| Cost of funding earning assets | 0.7926% | 713 |
| Net interest margin | 2.8340% | 5,819 |
| Noninterest income to average assets | 0.3149% | 4,922 |
| Noninterest expense to average assets | 1.8667% | 5,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1869% | 1,724 |
| Return on assets (ROA) | 1.5765% | 820 |
| Pretax return on assets | 1.5765% | 1,401 |
| Return on Equity (ROE) | 15.8984% | 684 |
| Retained earnings to average equity (ytd only) | 10.2132% | 653 |
| Net charge-offs to loans | 0.0022% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,783.4135% | 27 |
| Efficiency ratio | 60.8477% | 5,067 |
| Assets per employee ($millions) | 5.5176% | 1,711 |
| Cash dividends to net income (ytd only)* | 35.7597% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 4,081 |
| Loan loss allowance to noncurrent loans | 3,680.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 6,145 |
| Noncurrent loans to loans | 0.0334% | 5,897 |
| Net loans and leases to total assets | 28.9880% | 6,287 |
| Net loans and leases to deposits | 37.7049% | 6,193 |
| Net loans and leases to core deposits | 40.0107% | 6,180 |
| Total domestic deposits to total assets | 76.8812% | 5,697 |
| Equity capital to assets | 10.2714% | 3,823 |
| Core capital (leverage) ratio | 9.6932% | 4,087 |
| Tier 1 risk-based capital ratio | 30.0973% | 519 |
| Total risk-based capital ratio | 31.2197% | 519 |
| Memoranda: | ||
| Average total assets | $199,847,250 | 3,018 |
| Average earning assets | $193,124,750 | 2,899 |
| Average equity | $19,817,000 | 3,188 |
| Average total loans | $59,184,750 | 4,552 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,814 |
| Cost of funding earning assets | 0.7942% | 734 |
| Net interest margin | 2.9206% | 5,700 |
| Noninterest income to average assets | 0.3084% | 4,945 |
| Noninterest expense to average assets | 1.8719% | 6,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2540% | 1,435 |
| Return on assets (ROA) | 1.4737% | 957 |
| Pretax return on assets | 1.4737% | 1,626 |
| Return on Equity (ROE) | 15.0466% | 785 |
| Retained earnings to average equity (ytd only) | 9.7669% | 775 |
| Net charge-offs to loans | -0.0136% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5937% | 5,353 |
| Assets per employee ($millions) | 5.7342% | 1,490 |
| Cash dividends to net income (ytd only)* | 35.0889% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 4,341 |
| Loan loss allowance to noncurrent loans | 7,410.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,251 |
| Noncurrent loans to loans | 0.0164% | 6,027 |
| Net loans and leases to total assets | 29.9417% | 6,309 |
| Net loans and leases to deposits | 41.1434% | 6,105 |
| Net loans and leases to core deposits | 43.7727% | 6,073 |
| Total domestic deposits to total assets | 72.7739% | 6,202 |
| Equity capital to assets | 10.4162% | 3,544 |
| Core capital (leverage) ratio | 9.4341% | 4,427 |
| Tier 1 risk-based capital ratio | 29.2168% | 562 |
| Total risk-based capital ratio | 30.3466% | 561 |
| Memoranda: | ||
| Average total assets | $198,413,000 | 3,053 |
| Average earning assets | $191,397,670 | 2,929 |
| Average equity | $19,433,000 | 3,231 |
| Average total loans | $58,941,330 | 4,584 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 4,664 |
| Cost of funding earning assets | 0.8048% | 734 |
| Net interest margin | 2.9460% | 5,654 |
| Noninterest income to average assets | 0.2960% | 4,994 |
| Noninterest expense to average assets | 1.8411% | 6,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2977% | 1,222 |
| Return on assets (ROA) | 1.4761% | 882 |
| Pretax return on assets | 1.4761% | 1,504 |
| Return on Equity (ROE) | 15.5747% | 694 |
| Retained earnings to average equity (ytd only) | 10.0337% | 954 |
| Net charge-offs to loans | 0.0414% | 2,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 106.6667% | 434 |
| Efficiency ratio | 58.3979% | 5,609 |
| Assets per employee ($millions) | 5.7501% | 1,497 |
| Cash dividends to net income (ytd only)* | 35.5769% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 28.4931% | 6,402 |
| Net loans and leases to deposits | 40.2161% | 6,163 |
| Net loans and leases to core deposits | 42.8457% | 6,128 |
| Total domestic deposits to total assets | 70.8500% | 6,406 |
| Equity capital to assets | 9.5443% | 4,438 |
| Core capital (leverage) ratio | 9.5548% | 4,201 |
| Tier 1 risk-based capital ratio | 29.0096% | 575 |
| Total risk-based capital ratio | 30.1449% | 569 |
| Memoranda: | ||
| Average total assets | $197,271,000 | 3,085 |
| Average earning assets | $190,357,000 | 2,966 |
| Average equity | $18,697,000 | 3,322 |
| Average total loans | $57,995,500 | 4,656 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 5,705 |
| Cost of funding earning assets | 0.8380% | 1,008 |
| Net interest margin | 2.6249% | 6,234 |
| Noninterest income to average assets | 0.3175% | 5,064 |
| Noninterest expense to average assets | 1.7906% | 6,336 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0612% | 2,074 |
| Return on assets (ROA) | 1.3739% | 1,117 |
| Pretax return on assets | 1.3739% | 1,886 |
| Return on Equity (ROE) | 13.6529% | 1,030 |
| Retained earnings to average equity (ytd only) | 5.7913% | 2,107 |
| Net charge-offs to loans | -0.0070% | 5,973 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4561% | 5,132 |
| Assets per employee ($millions) | 5.5226% | 1,632 |
| Cash dividends to net income (ytd only)* | 57.5816% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 4,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 29.5825% | 6,474 |
| Net loans and leases to deposits | 42.6627% | 6,190 |
| Net loans and leases to core deposits | 45.1809% | 6,178 |
| Total domestic deposits to total assets | 69.3404% | 6,546 |
| Equity capital to assets | 9.4087% | 4,538 |
| Core capital (leverage) ratio | 9.4268% | 4,374 |
| Tier 1 risk-based capital ratio | 28.9133% | 560 |
| Total risk-based capital ratio | 30.0839% | 557 |
| Memoranda: | ||
| Average total assets | $189,605,600 | 3,164 |
| Average earning assets | $183,051,800 | 3,036 |
| Average equity | $19,080,200 | 3,270 |
| Average total loans | $57,394,200 | 4,703 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3748% | 5,936 |
| Cost of funding earning assets | 0.8031% | 1,301 |
| Net interest margin | 2.5716% | 6,347 |
| Noninterest income to average assets | 0.3152% | 5,179 |
| Noninterest expense to average assets | 1.7800% | 6,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0218% | 2,291 |
| Return on assets (ROA) | 1.4408% | 1,064 |
| Pretax return on assets | 1.4408% | 1,797 |
| Return on Equity (ROE) | 14.0833% | 977 |
| Retained earnings to average equity (ytd only) | 9.2760% | 977 |
| Net charge-offs to loans | -0.0326% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2030% | 4,947 |
| Assets per employee ($millions) | 6.1640% | 1,126 |
| Cash dividends to net income (ytd only)* | 34.1345% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,346 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 27.8179% | 6,602 |
| Net loans and leases to deposits | 39.3170% | 6,409 |
| Net loans and leases to core deposits | 41.8615% | 6,390 |
| Total domestic deposits to total assets | 70.7530% | 6,561 |
| Equity capital to assets | 8.8928% | 5,307 |
| Core capital (leverage) ratio | 9.5138% | 4,378 |
| Tier 1 risk-based capital ratio | 28.5464% | 590 |
| Total risk-based capital ratio | 29.7029% | 582 |
| Memoranda: | ||
| Average total assets | $188,684,500 | 3,207 |
| Average earning assets | $182,446,750 | 3,073 |
| Average equity | $19,303,750 | 3,275 |
| Average total loans | $57,263,500 | 4,751 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4382% | 5,818 |
| Cost of funding earning assets | 0.8398% | 1,203 |
| Net interest margin | 2.5983% | 6,339 |
| Noninterest income to average assets | 0.3123% | 5,204 |
| Noninterest expense to average assets | 1.7739% | 6,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0469% | 2,126 |
| Return on assets (ROA) | 1.6923% | 688 |
| Pretax return on assets | 1.6923% | 1,132 |
| Return on Equity (ROE) | 15.7799% | 692 |
| Retained earnings to average equity (ytd only) | 10.4015% | 763 |
| Net charge-offs to loans | 0.0035% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 962.0000% | 33 |
| Efficiency ratio | 62.5386% | 5,090 |
| Assets per employee ($millions) | 5.7411% | 1,387 |
| Cash dividends to net income (ytd only)* | 34.0836% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,651 |
| Loan loss allowance to noncurrent loans | 576.3780% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 6,302 |
| Noncurrent loans to loans | 0.2202% | 5,753 |
| Net loans and leases to total assets | 30.0599% | 6,576 |
| Net loans and leases to deposits | 39.5492% | 6,425 |
| Net loans and leases to core deposits | 42.1000% | 6,400 |
| Total domestic deposits to total assets | 76.0064% | 6,245 |
| Equity capital to assets | 9.9084% | 4,039 |
| Core capital (leverage) ratio | 9.7128% | 3,915 |
| Tier 1 risk-based capital ratio | 29.1277% | 567 |
| Total risk-based capital ratio | 30.3047% | 559 |
| Memoranda: | ||
| Average total assets | $183,775,330 | 3,279 |
| Average earning assets | $177,420,330 | 3,153 |
| Average equity | $19,708,670 | 3,234 |
| Average total loans | $57,240,670 | 4,776 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5416% | 5,604 |
| Cost of funding earning assets | 0.8762% | 1,106 |
| Net interest margin | 2.6654% | 6,278 |
| Noninterest income to average assets | 0.2896% | 5,387 |
| Noninterest expense to average assets | 1.9344% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9241% | 2,550 |
| Return on assets (ROA) | 1.9543% | 403 |
| Pretax return on assets | 1.9543% | 650 |
| Return on Equity (ROE) | 17.5249% | 471 |
| Retained earnings to average equity (ytd only) | 11.5775% | 762 |
| Net charge-offs to loans | 0.0702% | 3,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 41.8000% | 760 |
| Efficiency ratio | 67.3627% | 4,435 |
| Assets per employee ($millions) | 5.5403% | 1,632 |
| Cash dividends to net income (ytd only)* | 33.9367% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 4,888 |
| Loan loss allowance to noncurrent loans | 964.0000% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 6,400 |
| Noncurrent loans to loans | 0.1308% | 6,077 |
| Net loans and leases to total assets | 30.9605% | 6,565 |
| Net loans and leases to deposits | 40.0154% | 6,414 |
| Net loans and leases to core deposits | 42.6390% | 6,379 |
| Total domestic deposits to total assets | 77.3713% | 6,208 |
| Equity capital to assets | 11.0234% | 2,939 |
| Core capital (leverage) ratio | 9.7250% | 3,757 |
| Tier 1 risk-based capital ratio | 29.2894% | 564 |
| Total risk-based capital ratio | 30.4878% | 561 |
| Memoranda: | ||
| Average total assets | $180,935,500 | 3,336 |
| Average earning assets | $174,385,000 | 3,218 |
| Average equity | $20,177,000 | 3,230 |
| Average total loans | $57,020,000 | 4,814 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 5,091 |
| Cost of funding earning assets | 1.0094% | 1,309 |
| Net interest margin | 3.0540% | 5,919 |
| Noninterest income to average assets | 0.3114% | 5,225 |
| Noninterest expense to average assets | 2.0809% | 6,166 |
| Loan and lease loss provision to assets | 0.0289% | 5,531 |
| Net operating income to assets | 1.1312% | 1,840 |
| Return on assets (ROA) | 1.6072% | 825 |
| Pretax return on assets | 1.6072% | 1,361 |
| Return on Equity (ROE) | 13.8332% | 1,023 |
| Retained earnings to average equity (ytd only) | 7.3492% | 1,404 |
| Net charge-offs to loans | 0.1314% | 4,363 |
| Credit loss provision to net charge-offs | 65.7895% | 4,294 |
| Earnings coverage of net charge-offs (x) | 26.4211% | 1,098 |
| Efficiency ratio | 63.8859% | 4,903 |
| Assets per employee ($millions) | 5.5950% | 1,599 |
| Cash dividends to net income (ytd only)* | 46.8728% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,670 |
| Loan loss allowance to noncurrent loans | 9,162.5000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 5,866 |
| Noncurrent loans to loans | 0.0141% | 6,506 |
| Net loans and leases to total assets | 31.2660% | 6,654 |
| Net loans and leases to deposits | 41.0322% | 6,501 |
| Net loans and leases to core deposits | 44.3002% | 6,448 |
| Total domestic deposits to total assets | 76.1987% | 6,334 |
| Equity capital to assets | 11.2823% | 2,644 |
| Core capital (leverage) ratio | 9.6039% | 3,957 |
| Tier 1 risk-based capital ratio | 28.1412% | 616 |
| Total risk-based capital ratio | 29.3488% | 606 |
| Memoranda: | ||
| Average total assets | $173,097,400 | 3,399 |
| Average earning assets | $166,043,600 | 3,288 |
| Average equity | $20,111,000 | 3,193 |
| Average total loans | $57,845,800 | 4,801 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 4,886 |
| Cost of funding earning assets | 1.0275% | 1,407 |
| Net interest margin | 3.1528% | 5,816 |
| Noninterest income to average assets | 0.3721% | 4,850 |
| Noninterest expense to average assets | 2.1000% | 6,163 |
| Loan and lease loss provision to assets | 0.1049% | 4,261 |
| Net operating income to assets | 1.1926% | 1,770 |
| Return on assets (ROA) | 1.7403% | 705 |
| Pretax return on assets | 1.7403% | 1,182 |
| Return on Equity (ROE) | 14.8670% | 929 |
| Retained earnings to average equity (ytd only) | 10.4002% | 814 |
| Net charge-offs to loans | 0.1674% | 3,778 |
| Credit loss provision to net charge-offs | 184.9315% | 1,499 |
| Earnings coverage of net charge-offs (x) | 22.8769% | 1,339 |
| Efficiency ratio | 61.5138% | 5,226 |
| Assets per employee ($millions) | 5.5694% | 1,566 |
| Cash dividends to net income (ytd only)* | 30.0446% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 4,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 5,264 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 31.2945% | 6,767 |
| Net loans and leases to deposits | 43.8095% | 6,514 |
| Net loans and leases to core deposits | 47.7525% | 6,433 |
| Total domestic deposits to total assets | 71.4331% | 6,766 |
| Equity capital to assets | 12.0430% | 2,218 |
| Core capital (leverage) ratio | 9.8170% | 3,794 |
| Tier 1 risk-based capital ratio | 28.3651% | 625 |
| Total risk-based capital ratio | 29.6159% | 610 |
| Memoranda: | ||
| Average total assets | $171,611,500 | 3,457 |
| Average earning assets | $164,674,500 | 3,345 |
| Average equity | $20,088,750 | 3,224 |
| Average total loans | $58,129,250 | 4,836 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 4,622 |
| Cost of funding earning assets | 1.0491% | 1,476 |
| Net interest margin | 3.2373% | 5,629 |
| Noninterest income to average assets | 0.3813% | 4,784 |
| Noninterest expense to average assets | 2.1416% | 6,149 |
| Loan and lease loss provision to assets | 0.1594% | 3,525 |
| Net operating income to assets | 1.1841% | 1,769 |
| Return on assets (ROA) | 2.0164% | 439 |
| Pretax return on assets | 2.0164% | 680 |
| Return on Equity (ROE) | 17.4013% | 587 |
| Retained earnings to average equity (ytd only) | 11.1153% | 728 |
| Net charge-offs to loans | 0.3854% | 2,481 |
| Credit loss provision to net charge-offs | 119.4690% | 2,302 |
| Earnings coverage of net charge-offs (x) | 10.0708% | 2,100 |
| Efficiency ratio | 61.1450% | 5,399 |
| Assets per employee ($millions) | 5.2115% | 1,915 |
| Cash dividends to net income (ytd only)* | 36.1241% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 5,079 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 32.9219% | 6,775 |
| Net loans and leases to deposits | 44.3250% | 6,539 |
| Net loans and leases to core deposits | 48.2727% | 6,443 |
| Total domestic deposits to total assets | 74.2738% | 6,655 |
| Equity capital to assets | 11.5758% | 2,519 |
| Core capital (leverage) ratio | 9.6958% | 3,842 |
| Tier 1 risk-based capital ratio | 27.2542% | 704 |
| Total risk-based capital ratio | 28.5035% | 687 |
| Memoranda: | ||
| Average total assets | $169,408,670 | 3,507 |
| Average earning assets | $162,419,670 | 3,378 |
| Average equity | $19,630,670 | 3,267 |
| Average total loans | $58,641,000 | 4,845 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 5,013 |
| Cost of funding earning assets | 1.0614% | 1,613 |
| Net interest margin | 3.1642% | 5,867 |
| Noninterest income to average assets | 0.3878% | 4,764 |
| Noninterest expense to average assets | 2.1008% | 6,271 |
| Loan and lease loss provision to assets | 0.2379% | 2,567 |
| Net operating income to assets | 1.0849% | 2,154 |
| Return on assets (ROA) | 2.3911% | 257 |
| Pretax return on assets | 2.3911% | 398 |
| Return on Equity (ROE) | 20.6238% | 342 |
| Retained earnings to average equity (ytd only) | 13.8313% | 582 |
| Net charge-offs to loans | 0.0405% | 4,131 |
| Credit loss provision to net charge-offs | 1,666.6667% | 198 |
| Earnings coverage of net charge-offs (x) | 92.6667% | 368 |
| Efficiency ratio | 61.0841% | 5,440 |
| Assets per employee ($millions) | 5.2022% | 1,992 |
| Cash dividends to net income (ytd only)* | 32.9353% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 4,351 |
| Loan loss allowance to noncurrent loans | 75.5536% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 3,956 |
| Noncurrent loans to loans | 1.9285% | 3,250 |
| Net loans and leases to total assets | 33.6048% | 6,761 |
| Net loans and leases to deposits | 43.1063% | 6,606 |
| Net loans and leases to core deposits | 47.2528% | 6,496 |
| Total domestic deposits to total assets | 77.9580% | 6,265 |
| Equity capital to assets | 11.2447% | 2,682 |
| Core capital (leverage) ratio | 9.8341% | 3,592 |
| Tier 1 risk-based capital ratio | 26.4549% | 770 |
| Total risk-based capital ratio | 27.7073% | 756 |
| Memoranda: | ||
| Average total assets | $168,123,000 | 3,553 |
| Average earning assets | $161,303,500 | 3,417 |
| Average equity | $19,492,000 | 3,286 |
| Average total loans | $59,261,500 | 4,846 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 3,871 |
| Cost of funding earning assets | 1.2097% | 1,967 |
| Net interest margin | 3.5778% | 4,818 |
| Noninterest income to average assets | 0.4599% | 4,140 |
| Noninterest expense to average assets | 2.4202% | 5,721 |
| Loan and lease loss provision to assets | 0.1025% | 5,307 |
| Net operating income to assets | 1.3699% | 1,085 |
| Return on assets (ROA) | 1.6331% | 676 |
| Pretax return on assets | 1.6426% | 1,114 |
| Return on Equity (ROE) | 13.7717% | 987 |
| Retained earnings to average equity (ytd only) | 9.8131% | 605 |
| Net charge-offs to loans | 0.2776% | 4,038 |
| Credit loss provision to net charge-offs | 86.2069% | 4,193 |
| Earnings coverage of net charge-offs (x) | 12.4425% | 1,622 |
| Efficiency ratio | 61.7487% | 5,496 |
| Assets per employee ($millions) | 4.9871% | 2,216 |
| Cash dividends to net income (ytd only)* | 28.7448% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 5,094 |
| Loan loss allowance to noncurrent loans | 57.7626% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 4,856 |
| Noncurrent loans to loans | 2.1907% | 2,963 |
| Net loans and leases to total assets | 35.9844% | 6,771 |
| Net loans and leases to deposits | 47.2419% | 6,549 |
| Net loans and leases to core deposits | 51.6546% | 6,443 |
| Total domestic deposits to total assets | 76.1706% | 6,461 |
| Equity capital to assets | 11.9581% | 2,158 |
| Core capital (leverage) ratio | 10.3176% | 2,948 |
| Tier 1 risk-based capital ratio | 25.7317% | 799 |
| Total risk-based capital ratio | 26.9846% | 786 |
| Memoranda: | ||
| Average total assets | $146,350,600 | 3,864 |
| Average earning assets | $140,700,000 | 3,730 |
| Average equity | $17,354,400 | 3,522 |
| Average total loans | $62,673,600 | 4,763 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 3,176 |
| Cost of funding earning assets | 1.2551% | 1,964 |
| Net interest margin | 3.7273% | 4,213 |
| Noninterest income to average assets | 0.4833% | 4,013 |
| Noninterest expense to average assets | 2.4843% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5778% | 805 |
| Return on assets (ROA) | 1.8768% | 485 |
| Pretax return on assets | 1.8834% | 813 |
| Return on Equity (ROE) | 15.8664% | 702 |
| Retained earnings to average equity (ytd only) | 10.9539% | 639 |
| Net charge-offs to loans | -0.0021% | 6,669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7580% | 5,599 |
| Assets per employee ($millions) | 4.3010% | 3,275 |
| Cash dividends to net income (ytd only)* | 30.9619% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 5,167 |
| Loan loss allowance to noncurrent loans | 93.1116% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 5,554 |
| Noncurrent loans to loans | 1.3601% | 4,266 |
| Net loans and leases to total assets | 41.7994% | 6,514 |
| Net loans and leases to deposits | 51.0234% | 6,441 |
| Net loans and leases to core deposits | 56.5784% | 6,267 |
| Total domestic deposits to total assets | 81.9221% | 5,124 |
| Equity capital to assets | 12.9922% | 1,620 |
| Core capital (leverage) ratio | 10.7800% | 2,590 |
| Tier 1 risk-based capital ratio | 26.1009% | 824 |
| Total risk-based capital ratio | 27.3394% | 807 |
| Memoranda: | ||
| Average total assets | $141,794,750 | 3,965 |
| Average earning assets | $136,396,250 | 3,827 |
| Average equity | $16,773,000 | 3,620 |
| Average total loans | $63,347,000 | 4,786 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0976% | 2,695 |
| Cost of funding earning assets | 1.2837% | 2,044 |
| Net interest margin | 3.8139% | 3,712 |
| Noninterest income to average assets | 0.4775% | 4,045 |
| Noninterest expense to average assets | 2.4844% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6518% | 665 |
| Return on assets (ROA) | 1.7689% | 575 |
| Pretax return on assets | 1.7789% | 916 |
| Return on Equity (ROE) | 15.4825% | 722 |
| Retained earnings to average equity (ytd only) | 10.7043% | 722 |
| Net charge-offs to loans | -0.0031% | 6,550 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6286% | 5,925 |
| Assets per employee ($millions) | 3.8809% | 4,038 |
| Cash dividends to net income (ytd only)* | 30.8622% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 5,369 |
| Loan loss allowance to noncurrent loans | 92.1269% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 5,697 |
| Noncurrent loans to loans | 1.3449% | 4,409 |
| Net loans and leases to total assets | 44.7271% | 6,371 |
| Net loans and leases to deposits | 54.4694% | 6,275 |
| Net loans and leases to core deposits | 59.6068% | 6,123 |
| Total domestic deposits to total assets | 82.1142% | 5,127 |
| Equity capital to assets | 12.3724% | 1,861 |
| Core capital (leverage) ratio | 10.3751% | 2,854 |
| Tier 1 risk-based capital ratio | 25.3332% | 875 |
| Total risk-based capital ratio | 26.5782% | 858 |
| Memoranda: | ||
| Average total assets | $140,315,000 | 4,021 |
| Average earning assets | $134,926,330 | 3,887 |
| Average equity | $16,031,000 | 3,729 |
| Average total loans | $63,826,330 | 4,802 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 2,875 |
| Cost of funding earning assets | 1.2913% | 2,235 |
| Net interest margin | 3.7554% | 3,817 |
| Noninterest income to average assets | 0.4495% | 4,292 |
| Noninterest expense to average assets | 2.4919% | 5,580 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5532% | 770 |
| Return on assets (ROA) | 1.5532% | 806 |
| Pretax return on assets | 1.5646% | 1,264 |
| Return on Equity (ROE) | 14.1786% | 956 |
| Retained earnings to average equity (ytd only) | 12.0232% | 735 |
| Net charge-offs to loans | -0.0125% | 6,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1501% | 5,814 |
| Assets per employee ($millions) | 4.0064% | 3,825 |
| Cash dividends to net income (ytd only)* | 15.2015% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 5,393 |
| Loan loss allowance to noncurrent loans | 1,019.4805% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 6,822 |
| Noncurrent loans to loans | 0.1226% | 6,744 |
| Net loans and leases to total assets | 42.9997% | 6,544 |
| Net loans and leases to deposits | 51.6030% | 6,507 |
| Net loans and leases to core deposits | 56.3903% | 6,383 |
| Total domestic deposits to total assets | 83.3279% | 4,779 |
| Equity capital to assets | 11.0907% | 2,601 |
| Core capital (leverage) ratio | 10.3138% | 2,789 |
| Tier 1 risk-based capital ratio | 24.3253% | 944 |
| Total risk-based capital ratio | 25.5745% | 929 |
| Memoranda: | ||
| Average total assets | $140,615,500 | 4,056 |
| Average earning assets | $135,060,500 | 3,912 |
| Average equity | $15,403,500 | 3,827 |
| Average total loans | $64,102,500 | 4,834 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 3,115 |
| Cost of funding earning assets | 1.4799% | 2,763 |
| Net interest margin | 3.8237% | 3,849 |
| Noninterest income to average assets | 0.5809% | 3,586 |
| Noninterest expense to average assets | 2.5838% | 5,486 |
| Loan and lease loss provision to assets | 0.0440% | 6,721 |
| Net operating income to assets | 1.6025% | 615 |
| Return on assets (ROA) | 1.8600% | 398 |
| Pretax return on assets | 1.8703% | 652 |
| Return on Equity (ROE) | 16.7657% | 503 |
| Retained earnings to average equity (ytd only) | 6.9665% | 1,342 |
| Net charge-offs to loans | 0.0908% | 5,934 |
| Credit loss provision to net charge-offs | 103.4483% | 4,350 |
| Earnings coverage of net charge-offs (x) | 38.9310% | 598 |
| Efficiency ratio | 60.6569% | 5,943 |
| Assets per employee ($millions) | 3.8056% | 4,242 |
| Cash dividends to net income (ytd only)* | 58.4482% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,526 |
| Loan loss allowance to noncurrent loans | 427.8689% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 6,905 |
| Noncurrent loans to loans | 0.2798% | 6,496 |
| Net loans and leases to total assets | 47.1665% | 6,461 |
| Net loans and leases to deposits | 57.1228% | 6,341 |
| Net loans and leases to core deposits | 60.8437% | 6,326 |
| Total domestic deposits to total assets | 82.5703% | 4,984 |
| Equity capital to assets | 10.8108% | 2,848 |
| Core capital (leverage) ratio | 10.1173% | 2,958 |
| Tier 1 risk-based capital ratio | 23.5648% | 975 |
| Total risk-based capital ratio | 24.8156% | 957 |
| Memoranda: | ||
| Average total assets | $136,505,600 | 4,130 |
| Average earning assets | $130,553,000 | 4,006 |
| Average equity | $15,144,000 | 3,917 |
| Average total loans | $63,865,600 | 4,918 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3064% | 3,326 |
| Cost of funding earning assets | 1.5047% | 2,948 |
| Net interest margin | 3.8016% | 3,967 |
| Noninterest income to average assets | 0.5465% | 3,817 |
| Noninterest expense to average assets | 2.5154% | 5,656 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6669% | 661 |
| Return on assets (ROA) | 1.9572% | 394 |
| Pretax return on assets | 1.9572% | 685 |
| Return on Equity (ROE) | 17.5296% | 526 |
| Retained earnings to average equity (ytd only) | 10.9975% | 610 |
| Net charge-offs to loans | 0.0735% | 5,784 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 48.7097% | 577 |
| Efficiency ratio | 59.8410% | 5,978 |
| Assets per employee ($millions) | 3.6273% | 4,672 |
| Cash dividends to net income (ytd only)* | 37.2626% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,706 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 47.7553% | 6,540 |
| Net loans and leases to deposits | 58.5035% | 6,428 |
| Net loans and leases to core deposits | 63.5379% | 6,334 |
| Total domestic deposits to total assets | 81.6282% | 5,154 |
| Equity capital to assets | 11.9388% | 2,197 |
| Core capital (leverage) ratio | 10.4019% | 2,800 |
| Tier 1 risk-based capital ratio | 23.5459% | 997 |
| Total risk-based capital ratio | 24.7949% | 973 |
| Memoranda: | ||
| Average total assets | $136,381,500 | 4,182 |
| Average earning assets | $130,431,500 | 4,056 |
| Average equity | $15,227,250 | 3,947 |
| Average total loans | $63,481,500 | 5,004 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2817% | 3,554 |
| Cost of funding earning assets | 1.5300% | 3,075 |
| Net interest margin | 3.7517% | 4,121 |
| Noninterest income to average assets | 0.4901% | 4,193 |
| Noninterest expense to average assets | 2.5387% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5262% | 860 |
| Return on assets (ROA) | 1.8102% | 518 |
| Pretax return on assets | 1.8190% | 857 |
| Return on Equity (ROE) | 16.6018% | 618 |
| Retained earnings to average equity (ytd only) | 10.0151% | 841 |
| Net charge-offs to loans | 0.0064% | 6,280 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 521.5000% | 60 |
| Efficiency ratio | 61.9942% | 5,690 |
| Assets per employee ($millions) | 3.5288% | 4,847 |
| Cash dividends to net income (ytd only)* | 39.6748% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 5,286 |
| Loan loss allowance to noncurrent loans | 665.8120% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 5,875 |
| Noncurrent loans to loans | 0.1849% | 6,884 |
| Net loans and leases to total assets | 46.5961% | 6,736 |
| Net loans and leases to deposits | 58.6827% | 6,524 |
| Net loans and leases to core deposits | 62.7421% | 6,490 |
| Total domestic deposits to total assets | 79.4034% | 5,918 |
| Equity capital to assets | 11.5754% | 2,380 |
| Core capital (leverage) ratio | 10.0455% | 3,120 |
| Tier 1 risk-based capital ratio | 23.4317% | 1,002 |
| Total risk-based capital ratio | 24.6600% | 982 |
| Memoranda: | ||
| Average total assets | $135,896,670 | 4,216 |
| Average earning assets | $129,807,000 | 4,090 |
| Average equity | $14,817,670 | 4,027 |
| Average total loans | $62,452,000 | 5,086 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2889% | 3,595 |
| Cost of funding earning assets | 1.5442% | 3,306 |
| Net interest margin | 3.7446% | 4,034 |
| Noninterest income to average assets | 0.4474% | 4,497 |
| Noninterest expense to average assets | 2.5147% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5137% | 875 |
| Return on assets (ROA) | 1.7076% | 660 |
| Pretax return on assets | 1.7164% | 1,026 |
| Return on Equity (ROE) | 16.1488% | 695 |
| Retained earnings to average equity (ytd only) | 12.1945% | 718 |
| Net charge-offs to loans | -0.0258% | 7,146 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0290% | 5,827 |
| Assets per employee ($millions) | 3.5918% | 4,843 |
| Cash dividends to net income (ytd only)* | 24.4863% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 5,040 |
| Loan loss allowance to noncurrent loans | 213.8965% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 6,130 |
| Noncurrent loans to loans | 0.5987% | 6,106 |
| Net loans and leases to total assets | 44.3332% | 6,968 |
| Net loans and leases to deposits | 54.1346% | 6,907 |
| Net loans and leases to core deposits | 56.4491% | 6,967 |
| Total domestic deposits to total assets | 81.8945% | 5,119 |
| Equity capital to assets | 11.0185% | 2,741 |
| Core capital (leverage) ratio | 9.6280% | 3,605 |
| Tier 1 risk-based capital ratio | 23.3320% | 1,029 |
| Total risk-based capital ratio | 24.5832% | 1,010 |
| Memoranda: | ||
| Average total assets | $136,797,500 | 4,254 |
| Average earning assets | $131,068,000 | 4,132 |
| Average equity | $14,465,500 | 4,134 |
| Average total loans | $62,047,000 | 5,179 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6174% | 3,512 |
| Cost of funding earning assets | 1.9094% | 3,413 |
| Net interest margin | 3.7080% | 4,101 |
| Noninterest income to average assets | 0.4334% | 4,923 |
| Noninterest expense to average assets | 2.4997% | 6,131 |
| Loan and lease loss provision to assets | 0.1484% | 6,177 |
| Net operating income to assets | 1.3281% | 977 |
| Return on assets (ROA) | 1.7308% | 441 |
| Pretax return on assets | 1.7419% | 709 |
| Return on Equity (ROE) | 17.1468% | 446 |
| Retained earnings to average equity (ytd only) | 5.5882% | 1,534 |
| Net charge-offs to loans | 0.1116% | 6,042 |
| Credit loss provision to net charge-offs | 281.6901% | 1,201 |
| Earnings coverage of net charge-offs (x) | 28.1549% | 810 |
| Efficiency ratio | 62.4185% | 6,070 |
| Assets per employee ($millions) | 3.5155% | 4,974 |
| Cash dividends to net income (ytd only)* | 67.4099% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 5,108 |
| Loan loss allowance to noncurrent loans | 94.7816% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 5,957 |
| Noncurrent loans to loans | 1.3121% | 4,731 |
| Net loans and leases to total assets | 45.2336% | 7,036 |
| Net loans and leases to deposits | 58.2230% | 6,771 |
| Net loans and leases to core deposits | 73.9049% | 6,538 |
| Total domestic deposits to total assets | 77.6903% | 6,304 |
| Equity capital to assets | 10.1323% | 3,584 |
| Core capital (leverage) ratio | 9.3829% | 3,854 |
| Tier 1 risk-based capital ratio | 22.3533% | 1,116 |
| Total risk-based capital ratio | 23.6043% | 1,093 |
| Memoranda: | ||
| Average total assets | $134,734,800 | 4,244 |
| Average earning assets | $128,991,200 | 4,107 |
| Average equity | $13,600,200 | 4,360 |
| Average total loans | $63,611,800 | 5,114 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6331% | 3,677 |
| Cost of funding earning assets | 1.9850% | 3,440 |
| Net interest margin | 3.6481% | 4,285 |
| Noninterest income to average assets | 0.4294% | 5,056 |
| Noninterest expense to average assets | 2.4869% | 6,115 |
| Loan and lease loss provision to assets | 0.1242% | 6,112 |
| Net operating income to assets | 1.2994% | 1,219 |
| Return on assets (ROA) | 1.7285% | 559 |
| Pretax return on assets | 1.7444% | 893 |
| Return on Equity (ROE) | 17.1403% | 538 |
| Retained earnings to average equity (ytd only) | 9.0778% | 828 |
| Net charge-offs to loans | 0.0689% | 6,001 |
| Credit loss provision to net charge-offs | 378.7879% | 1,062 |
| Earnings coverage of net charge-offs (x) | 43.7566% | 703 |
| Efficiency ratio | 63.0765% | 5,911 |
| Assets per employee ($millions) | 3.7798% | 4,228 |
| Cash dividends to net income (ytd only)* | 47.0385% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 5,256 |
| Loan loss allowance to noncurrent loans | 99.0679% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 6,058 |
| Noncurrent loans to loans | 1.1871% | 4,962 |
| Net loans and leases to total assets | 44.7054% | 7,199 |
| Net loans and leases to deposits | 57.1872% | 7,017 |
| Net loans and leases to core deposits | 72.5680% | 6,809 |
| Total domestic deposits to total assets | 78.1739% | 6,030 |
| Equity capital to assets | 10.0457% | 4,033 |
| Core capital (leverage) ratio | 9.6184% | 3,761 |
| Tier 1 risk-based capital ratio | 22.5123% | 1,169 |
| Total risk-based capital ratio | 23.7623% | 1,146 |
| Memoranda: | ||
| Average total assets | $134,142,000 | 4,279 |
| Average earning assets | $128,428,000 | 4,139 |
| Average equity | $13,527,250 | 4,410 |
| Average total loans | $63,815,000 | 5,142 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7953% | 3,069 |
| Cost of funding earning assets | 2.0623% | 3,462 |
| Net interest margin | 3.7330% | 3,815 |
| Noninterest income to average assets | 0.4416% | 4,920 |
| Noninterest expense to average assets | 2.5212% | 6,049 |
| Loan and lease loss provision to assets | 0.1512% | 5,559 |
| Net operating income to assets | 1.3380% | 1,144 |
| Return on assets (ROA) | 1.8890% | 413 |
| Pretax return on assets | 1.9011% | 693 |
| Return on Equity (ROE) | 18.7069% | 429 |
| Retained earnings to average equity (ytd only) | 11.1283% | 541 |
| Net charge-offs to loans | 0.0219% | 6,194 |
| Credit loss provision to net charge-offs | 1,428.5714% | 357 |
| Earnings coverage of net charge-offs (x) | 141.2857% | 283 |
| Efficiency ratio | 62.4247% | 6,180 |
| Assets per employee ($millions) | 3.5223% | 4,759 |
| Cash dividends to net income (ytd only)* | 40.5124% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,075 |
| Loan loss allowance to noncurrent loans | 286.5385% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 7,022 |
| Noncurrent loans to loans | 0.4120% | 6,480 |
| Net loans and leases to total assets | 47.8550% | 7,048 |
| Net loans and leases to deposits | 59.8124% | 6,903 |
| Net loans and leases to core deposits | 77.0486% | 6,608 |
| Total domestic deposits to total assets | 80.0084% | 5,476 |
| Equity capital to assets | 10.2766% | 3,635 |
| Core capital (leverage) ratio | 9.6809% | 3,655 |
| Tier 1 risk-based capital ratio | 22.4220% | 1,196 |
| Total risk-based capital ratio | 23.6724% | 1,168 |
| Memoranda: | ||
| Average total assets | $132,239,000 | 4,343 |
| Average earning assets | $126,653,330 | 4,214 |
| Average equity | $13,353,330 | 4,455 |
| Average total loans | $63,998,330 | 5,177 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7509% | 3,524 |
| Cost of funding earning assets | 2.1004% | 3,645 |
| Net interest margin | 3.6505% | 4,098 |
| Noninterest income to average assets | 0.4324% | 4,940 |
| Noninterest expense to average assets | 2.3784% | 6,265 |
| Loan and lease loss provision to assets | 0.1502% | 5,003 |
| Net operating income to assets | 1.3904% | 1,159 |
| Return on assets (ROA) | 1.8649% | 518 |
| Pretax return on assets | 1.8649% | 870 |
| Return on Equity (ROE) | 18.6298% | 538 |
| Retained earnings to average equity (ytd only) | 12.8698% | 658 |
| Net charge-offs to loans | 0.0931% | 4,247 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 34.2000% | 965 |
| Efficiency ratio | 60.3831% | 6,338 |
| Assets per employee ($millions) | 3.7425% | 4,251 |
| Cash dividends to net income (ytd only)* | 30.9179% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.7706% | 7,127 |
| Net loans and leases to deposits | 59.5950% | 6,929 |
| Net loans and leases to core deposits | 75.7116% | 6,696 |
| Total domestic deposits to total assets | 78.4807% | 5,867 |
| Equity capital to assets | 9.9740% | 4,032 |
| Core capital (leverage) ratio | 9.3294% | 4,200 |
| Tier 1 risk-based capital ratio | 21.2749% | 1,406 |
| Total risk-based capital ratio | 22.4489% | 1,384 |
| Memoranda: | ||
| Average total assets | $133,196,000 | 4,347 |
| Average earning assets | $127,215,500 | 4,215 |
| Average equity | $13,333,500 | 4,493 |
| Average total loans | $64,441,500 | 5,187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1308% | 4,892 |
| Cost of funding earning assets | 2.5600% | 3,903 |
| Net interest margin | 3.5709% | 5,008 |
| Noninterest income to average assets | 0.5866% | 3,956 |
| Noninterest expense to average assets | 2.4646% | 6,152 |
| Loan and lease loss provision to assets | 0.1132% | 5,925 |
| Net operating income to assets | 1.3947% | 1,244 |
| Return on assets (ROA) | 1.5344% | 923 |
| Pretax return on assets | 1.5455% | 1,550 |
| Return on Equity (ROE) | 15.8314% | 796 |
| Retained earnings to average equity (ytd only) | 3.7749% | 2,781 |
| Net charge-offs to loans | 0.0586% | 5,940 |
| Credit loss provision to net charge-offs | 383.7838% | 1,149 |
| Earnings coverage of net charge-offs (x) | 51.4595% | 748 |
| Efficiency ratio | 61.5292% | 6,044 |
| Assets per employee ($millions) | 3.6573% | 4,272 |
| Cash dividends to net income (ytd only)* | 76.1558% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,056 |
| Loan loss allowance to noncurrent loans | 1,630.0000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 7,198 |
| Noncurrent loans to loans | 0.0614% | 7,261 |
| Net loans and leases to total assets | 49.0119% | 7,100 |
| Net loans and leases to deposits | 62.0040% | 6,941 |
| Net loans and leases to core deposits | 79.4753% | 6,652 |
| Total domestic deposits to total assets | 79.0463% | 5,361 |
| Equity capital to assets | 10.0477% | 3,978 |
| Core capital (leverage) ratio | 9.2433% | 4,372 |
| Tier 1 risk-based capital ratio | 20.3571% | 1,559 |
| Total risk-based capital ratio | 21.4617% | 1,552 |
| Memoranda: | ||
| Average total assets | $125,458,800 | 4,387 |
| Average earning assets | $119,298,400 | 4,278 |
| Average equity | $12,159,400 | 4,791 |
| Average total loans | $63,125,600 | 5,136 |