Home > The First National Bank of Niagara > Performance and Condition Ratios
The First National Bank of Niagara, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 2,415 |
| Cost of funding earning assets | 0.6597% | 998 |
| Net interest margin | 3.5692% | 3,214 |
| Noninterest income to average assets | 0.4731% | 3,387 |
| Noninterest expense to average assets | 3.1494% | 1,930 |
| Loan and lease loss provision to assets | 0.2032% | 1,054 |
| Net operating income to assets | 0.4383% | 4,913 |
| Return on assets (ROA) | 0.4383% | 4,997 |
| Pretax return on assets | 0.4499% | 5,246 |
| Return on Equity (ROE) | 4.0657% | 4,888 |
| Retained earnings to average equity (ytd only) | 2.2348% | 4,454 |
| Net charge-offs to loans | 0.3996% | 567 |
| Credit loss provision to net charge-offs | 101.4493% | 2,068 |
| Earnings coverage of net charge-offs (x) | 3.2609% | 3,139 |
| Efficiency ratio | 82.8244% | 1,172 |
| Assets per employee ($millions) | 2.7341% | 5,659 |
| Cash dividends to net income (ytd only)* | 45.0331% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,919 |
| Loan loss allowance to noncurrent loans | 53.5871% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.5083% | 1,266 |
| Noncurrent loans to loans | 2.0622% | 949 |
| Net loans and leases to total assets | 47.9189% | 5,001 |
| Net loans and leases to deposits | 54.9343% | 5,082 |
| Net loans and leases to core deposits | 58.0487% | 5,068 |
| Total domestic deposits to total assets | 87.2295% | 1,795 |
| Equity capital to assets | 11.0602% | 2,990 |
| Core capital (leverage) ratio | 10.4471% | 3,025 |
| Tier 1 risk-based capital ratio | 20.4425% | 1,360 |
| Total risk-based capital ratio | 21.4914% | 1,375 |
| Memoranda: | ||
| Average total assets | $68,901,670 | 5,048 |
| Average earning assets | $64,272,000 | 5,023 |
| Average equity | $7,428,000 | 5,119 |
| Average total loans | $34,533,000 | 5,154 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 2,736 |
| Cost of funding earning assets | 0.6828% | 878 |
| Net interest margin | 3.4449% | 3,692 |
| Noninterest income to average assets | 0.4857% | 3,223 |
| Noninterest expense to average assets | 3.0704% | 2,177 |
| Loan and lease loss provision to assets | 0.2660% | 640 |
| Net operating income to assets | 0.3759% | 5,068 |
| Return on assets (ROA) | 0.3759% | 5,143 |
| Pretax return on assets | 0.3585% | 5,384 |
| Return on Equity (ROE) | 3.5316% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.6300% | 4,621 |
| Net charge-offs to loans | 0.6924% | 310 |
| Credit loss provision to net charge-offs | 75.4098% | 1,865 |
| Earnings coverage of net charge-offs (x) | 1.7705% | 2,773 |
| Efficiency ratio | 83.0986% | 1,250 |
| Assets per employee ($millions) | 3.2590% | 5,184 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 4,534 |
| Loan loss allowance to noncurrent loans | 41.5677% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7387% | 1,093 |
| Noncurrent loans to loans | 2.4366% | 789 |
| Net loans and leases to total assets | 49.9795% | 4,804 |
| Net loans and leases to deposits | 57.1252% | 4,910 |
| Net loans and leases to core deposits | 60.3440% | 4,917 |
| Total domestic deposits to total assets | 87.4912% | 1,929 |
| Equity capital to assets | 10.8299% | 3,132 |
| Core capital (leverage) ratio | 10.0981% | 3,424 |
| Tier 1 risk-based capital ratio | 19.7693% | 1,554 |
| Total risk-based capital ratio | 20.7468% | 1,582 |
| Memoranda: | ||
| Average total assets | $69,176,000 | 5,090 |
| Average earning assets | $64,442,500 | 5,064 |
| Average equity | $7,362,000 | 5,161 |
| Average total loans | $35,239,500 | 5,169 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 2,567 |
| Cost of funding earning assets | 0.7314% | 700 |
| Net interest margin | 3.4658% | 3,654 |
| Noninterest income to average assets | 0.5085% | 3,264 |
| Noninterest expense to average assets | 3.3234% | 1,664 |
| Loan and lease loss provision to assets | 0.0147% | 4,114 |
| Net operating income to assets | 0.4088% | 5,025 |
| Return on assets (ROA) | 0.4088% | 5,107 |
| Pretax return on assets | 0.4132% | 5,293 |
| Return on Equity (ROE) | 3.8372% | 5,014 |
| Retained earnings to average equity (ytd only) | 1.2515% | 5,004 |
| Net charge-offs to loans | 0.0625% | 2,976 |
| Credit loss provision to net charge-offs | 45.4545% | 3,462 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 2,386 |
| Efficiency ratio | 88.5938% | 793 |
| Assets per employee ($millions) | 3.1778% | 5,315 |
| Cash dividends to net income (ytd only)* | 67.3835% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 4,506 |
| Loan loss allowance to noncurrent loans | 32.1869% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 2.0039% | 881 |
| Noncurrent loans to loans | 3.1568% | 490 |
| Net loans and leases to total assets | 50.8611% | 4,793 |
| Net loans and leases to deposits | 58.7959% | 4,860 |
| Net loans and leases to core deposits | 62.7059% | 4,827 |
| Total domestic deposits to total assets | 86.5045% | 2,372 |
| Equity capital to assets | 10.4589% | 3,408 |
| Core capital (leverage) ratio | 10.2531% | 3,199 |
| Tier 1 risk-based capital ratio | 19.1599% | 1,666 |
| Total risk-based capital ratio | 20.1459% | 1,690 |
| Memoranda: | ||
| Average total assets | $68,242,800 | 5,127 |
| Average earning assets | $63,853,400 | 5,089 |
| Average equity | $7,271,000 | 5,195 |
| Average total loans | $35,205,000 | 5,187 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,548 |
| Cost of funding earning assets | 0.7427% | 674 |
| Net interest margin | 3.4658% | 3,691 |
| Noninterest income to average assets | 0.4973% | 3,384 |
| Noninterest expense to average assets | 3.3143% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4187% | 5,089 |
| Return on assets (ROA) | 0.4187% | 5,176 |
| Pretax return on assets | 0.4305% | 5,399 |
| Return on Equity (ROE) | 3.9113% | 5,056 |
| Retained earnings to average equity (ytd only) | 1.1018% | 5,276 |
| Net charge-offs to loans | 0.0761% | 2,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.9483% | 2,546 |
| Efficiency ratio | 88.5039% | 799 |
| Assets per employee ($millions) | 3.1412% | 5,377 |
| Cash dividends to net income (ytd only)* | 71.8300% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,695 |
| Loan loss allowance to noncurrent loans | 43.3090% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.6135% | 1,373 |
| Noncurrent loans to loans | 2.3322% | 906 |
| Net loans and leases to total assets | 50.4877% | 4,892 |
| Net loans and leases to deposits | 58.5167% | 4,952 |
| Net loans and leases to core deposits | 62.1836% | 4,926 |
| Total domestic deposits to total assets | 86.2790% | 2,395 |
| Equity capital to assets | 10.6040% | 3,468 |
| Core capital (leverage) ratio | 10.3334% | 3,218 |
| Tier 1 risk-based capital ratio | 19.3512% | 1,694 |
| Total risk-based capital ratio | 20.3258% | 1,723 |
| Memoranda: | ||
| Average total assets | $67,825,500 | 5,199 |
| Average earning assets | $63,553,000 | 5,158 |
| Average equity | $7,260,750 | 5,263 |
| Average total loans | $35,025,500 | 5,249 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,373 |
| Cost of funding earning assets | 0.7577% | 617 |
| Net interest margin | 3.4873% | 3,550 |
| Noninterest income to average assets | 0.5015% | 3,365 |
| Noninterest expense to average assets | 3.1989% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5015% | 4,763 |
| Return on assets (ROA) | 0.5015% | 4,870 |
| Pretax return on assets | 0.5668% | 5,058 |
| Return on Equity (ROE) | 4.6696% | 4,760 |
| Retained earnings to average equity (ytd only) | 1.8236% | 4,786 |
| Net charge-offs to loans | 0.0687% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.9167% | 1,940 |
| Efficiency ratio | 84.9488% | 1,157 |
| Assets per employee ($millions) | 2.9397% | 5,665 |
| Cash dividends to net income (ytd only)* | 60.9467% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 4,661 |
| Loan loss allowance to noncurrent loans | 38.9957% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 1.8177% | 1,265 |
| Noncurrent loans to loans | 2.6672% | 817 |
| Net loans and leases to total assets | 51.3637% | 4,812 |
| Net loans and leases to deposits | 59.6199% | 4,883 |
| Net loans and leases to core deposits | 63.5067% | 4,844 |
| Total domestic deposits to total assets | 86.1519% | 2,607 |
| Equity capital to assets | 10.6771% | 3,244 |
| Core capital (leverage) ratio | 10.4621% | 3,010 |
| Tier 1 risk-based capital ratio | 19.4325% | 1,686 |
| Total risk-based capital ratio | 20.4360% | 1,721 |
| Memoranda: | ||
| Average total assets | $67,398,670 | 5,267 |
| Average earning assets | $63,086,330 | 5,224 |
| Average equity | $7,238,330 | 5,308 |
| Average total loans | $34,952,000 | 5,298 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 2,810 |
| Cost of funding earning assets | 0.7677% | 597 |
| Net interest margin | 3.3374% | 4,071 |
| Noninterest income to average assets | 0.4696% | 3,506 |
| Noninterest expense to average assets | 3.2158% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3864% | 5,125 |
| Return on assets (ROA) | 0.3864% | 5,241 |
| Pretax return on assets | 0.3804% | 5,467 |
| Return on Equity (ROE) | 3.5872% | 5,145 |
| Retained earnings to average equity (ytd only) | 0.8278% | 5,127 |
| Net charge-offs to loans | 0.0803% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 2,027 |
| Efficiency ratio | 89.4215% | 892 |
| Assets per employee ($millions) | 2.6866% | 5,976 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,698 |
| Loan loss allowance to noncurrent loans | 35.8527% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 1,211 |
| Noncurrent loans to loans | 2.9625% | 748 |
| Net loans and leases to total assets | 51.3132% | 4,719 |
| Net loans and leases to deposits | 59.6724% | 4,765 |
| Net loans and leases to core deposits | 64.1317% | 4,685 |
| Total domestic deposits to total assets | 85.9914% | 2,945 |
| Equity capital to assets | 10.8373% | 3,156 |
| Core capital (leverage) ratio | 10.4001% | 3,099 |
| Tier 1 risk-based capital ratio | 19.4024% | 1,764 |
| Total risk-based capital ratio | 20.4270% | 1,781 |
| Memoranda: | ||
| Average total assets | $67,292,000 | 5,323 |
| Average earning assets | $63,043,000 | 5,275 |
| Average equity | $7,248,000 | 5,353 |
| Average total loans | $34,881,500 | 5,334 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 3,117 |
| Cost of funding earning assets | 0.8233% | 574 |
| Net interest margin | 3.3278% | 4,478 |
| Noninterest income to average assets | 0.4508% | 3,822 |
| Noninterest expense to average assets | 3.2957% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2991% | 5,517 |
| Return on assets (ROA) | 0.3948% | 5,307 |
| Pretax return on assets | 0.3654% | 5,574 |
| Return on Equity (ROE) | 3.7773% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.3108% | 5,189 |
| Net charge-offs to loans | 0.1024% | 3,039 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.5455% | 3,398 |
| Efficiency ratio | 92.4380% | 680 |
| Assets per employee ($millions) | 2.6967% | 6,025 |
| Cash dividends to net income (ytd only)* | 65.2985% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 4,643 |
| Loan loss allowance to noncurrent loans | 37.6248% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 1.8155% | 1,435 |
| Noncurrent loans to loans | 2.8688% | 804 |
| Net loans and leases to total assets | 51.2489% | 4,854 |
| Net loans and leases to deposits | 59.5276% | 4,942 |
| Net loans and leases to core deposits | 63.9419% | 4,827 |
| Total domestic deposits to total assets | 86.0927% | 2,785 |
| Equity capital to assets | 10.7049% | 3,229 |
| Core capital (leverage) ratio | 10.6610% | 2,769 |
| Tier 1 risk-based capital ratio | 19.5284% | 1,718 |
| Total risk-based capital ratio | 20.5694% | 1,733 |
| Memoranda: | ||
| Average total assets | $67,876,800 | 5,349 |
| Average earning assets | $63,525,400 | 5,297 |
| Average equity | $7,095,000 | 5,392 |
| Average total loans | $32,216,200 | 5,476 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,134 |
| Cost of funding earning assets | 0.8324% | 586 |
| Net interest margin | 3.3256% | 4,522 |
| Noninterest income to average assets | 0.4275% | 4,040 |
| Noninterest expense to average assets | 3.2729% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2883% | 5,629 |
| Return on assets (ROA) | 0.4157% | 5,265 |
| Pretax return on assets | 0.3922% | 5,593 |
| Return on Equity (ROE) | 4.0011% | 5,173 |
| Retained earnings to average equity (ytd only) | 1.4532% | 5,319 |
| Net charge-offs to loans | 0.1353% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.2184% | 3,512 |
| Efficiency ratio | 92.5166% | 670 |
| Assets per employee ($millions) | 2.6099% | 6,149 |
| Cash dividends to net income (ytd only)* | 63.6807% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 4,298 |
| Loan loss allowance to noncurrent loans | 38.0140% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 1.9939% | 1,445 |
| Noncurrent loans to loans | 3.1228% | 828 |
| Net loans and leases to total assets | 48.3494% | 5,172 |
| Net loans and leases to deposits | 56.4630% | 5,208 |
| Net loans and leases to core deposits | 61.1127% | 5,111 |
| Total domestic deposits to total assets | 85.6302% | 3,054 |
| Equity capital to assets | 11.0501% | 2,898 |
| Core capital (leverage) ratio | 10.6384% | 2,875 |
| Tier 1 risk-based capital ratio | 20.8448% | 1,483 |
| Total risk-based capital ratio | 21.9643% | 1,475 |
| Memoranda: | ||
| Average total assets | $67,991,500 | 5,402 |
| Average earning assets | $63,586,250 | 5,353 |
| Average equity | $7,064,500 | 5,448 |
| Average total loans | $31,538,250 | 5,560 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,084 |
| Cost of funding earning assets | 0.8349% | 597 |
| Net interest margin | 3.0788% | 5,319 |
| Noninterest income to average assets | 0.4412% | 3,931 |
| Noninterest expense to average assets | 3.2189% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1683% | 5,912 |
| Return on assets (ROA) | 0.3570% | 5,450 |
| Pretax return on assets | 0.2903% | 5,801 |
| Return on Equity (ROE) | 3.5063% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.7959% | 4,992 |
| Net charge-offs to loans | -0.0255% | 5,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9406% | 513 |
| Assets per employee ($millions) | 2.7686% | 6,065 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 3,723 |
| Loan loss allowance to noncurrent loans | 40.8284% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 1.9881% | 1,616 |
| Noncurrent loans to loans | 3.2470% | 862 |
| Net loans and leases to total assets | 46.3760% | 5,326 |
| Net loans and leases to deposits | 53.7755% | 5,376 |
| Net loans and leases to core deposits | 57.2652% | 5,319 |
| Total domestic deposits to total assets | 86.2400% | 2,907 |
| Equity capital to assets | 10.6116% | 3,296 |
| Core capital (leverage) ratio | 10.5727% | 2,859 |
| Tier 1 risk-based capital ratio | 20.6851% | 1,511 |
| Total risk-based capital ratio | 21.9013% | 1,497 |
| Memoranda: | ||
| Average total assets | $68,906,000 | 5,423 |
| Average earning assets | $64,441,670 | 5,372 |
| Average equity | $7,016,000 | 5,488 |
| Average total loans | $31,409,000 | 5,612 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7835% | 4,556 |
| Cost of funding earning assets | 0.8238% | 657 |
| Net interest margin | 2.9597% | 5,629 |
| Noninterest income to average assets | 0.4449% | 3,823 |
| Noninterest expense to average assets | 3.1881% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0513% | 6,123 |
| Return on assets (ROA) | 0.4220% | 5,105 |
| Pretax return on assets | 0.3935% | 5,479 |
| Return on Equity (ROE) | 4.2295% | 4,915 |
| Retained earnings to average equity (ytd only) | 1.3717% | 5,065 |
| Net charge-offs to loans | 0.0508% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,210 |
| Efficiency ratio | 99.2895% | 491 |
| Assets per employee ($millions) | 2.8766% | 6,008 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,043 |
| Loan loss allowance to noncurrent loans | 51.9133% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 1.6747% | 2,108 |
| Noncurrent loans to loans | 2.5329% | 1,363 |
| Net loans and leases to total assets | 46.1685% | 5,316 |
| Net loans and leases to deposits | 53.5312% | 5,324 |
| Net loans and leases to core deposits | 56.6653% | 5,306 |
| Total domestic deposits to total assets | 86.2459% | 3,233 |
| Equity capital to assets | 10.5861% | 3,159 |
| Core capital (leverage) ratio | 10.2165% | 3,270 |
| Tier 1 risk-based capital ratio | 20.4413% | 1,603 |
| Total risk-based capital ratio | 21.6294% | 1,593 |
| Memoranda: | ||
| Average total assets | $70,136,000 | 5,441 |
| Average earning assets | $65,548,000 | 5,387 |
| Average equity | $6,998,500 | 5,519 |
| Average total loans | $31,499,000 | 5,653 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 3,168 |
| Cost of funding earning assets | 0.9153% | 682 |
| Net interest margin | 3.3300% | 4,548 |
| Noninterest income to average assets | 0.5029% | 3,736 |
| Noninterest expense to average assets | 3.2617% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3588% | 5,299 |
| Return on assets (ROA) | 0.3588% | 5,416 |
| Pretax return on assets | 0.2938% | 5,751 |
| Return on Equity (ROE) | 3.6167% | 5,273 |
| Retained earnings to average equity (ytd only) | 0.9113% | 5,427 |
| Net charge-offs to loans | 0.4338% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 4,570 |
| Efficiency ratio | 91.7362% | 891 |
| Assets per employee ($millions) | 3.3686% | 5,162 |
| Cash dividends to net income (ytd only)* | 74.8031% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,244 |
| Loan loss allowance to noncurrent loans | 42.3554% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 1.7002% | 2,166 |
| Noncurrent loans to loans | 3.0208% | 1,144 |
| Net loans and leases to total assets | 42.6865% | 5,779 |
| Net loans and leases to deposits | 48.6767% | 5,852 |
| Net loans and leases to core deposits | 51.3622% | 5,846 |
| Total domestic deposits to total assets | 87.6940% | 2,366 |
| Equity capital to assets | 9.4360% | 4,511 |
| Core capital (leverage) ratio | 9.7507% | 3,909 |
| Tier 1 risk-based capital ratio | 18.9585% | 1,935 |
| Total risk-based capital ratio | 20.0723% | 1,936 |
| Memoranda: | ||
| Average total assets | $70,791,800 | 5,447 |
| Average earning assets | $64,894,800 | 5,441 |
| Average equity | $7,023,000 | 5,563 |
| Average total loans | $32,967,400 | 5,622 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 2,653 |
| Cost of funding earning assets | 0.9492% | 649 |
| Net interest margin | 3.4308% | 4,161 |
| Noninterest income to average assets | 0.5298% | 3,591 |
| Noninterest expense to average assets | 3.3522% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3640% | 5,394 |
| Return on assets (ROA) | 0.3640% | 5,525 |
| Pretax return on assets | 0.3049% | 5,863 |
| Return on Equity (ROE) | 3.6222% | 5,378 |
| Retained earnings to average equity (ytd only) | 0.9672% | 5,592 |
| Net charge-offs to loans | 0.4538% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.4160% | 4,364 |
| Efficiency ratio | 91.6623% | 876 |
| Assets per employee ($millions) | 3.2070% | 5,481 |
| Cash dividends to net income (ytd only)* | 73.2977% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 4,038 |
| Loan loss allowance to noncurrent loans | 37.7358% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 1,958 |
| Noncurrent loans to loans | 3.6242% | 1,027 |
| Net loans and leases to total assets | 44.9763% | 5,630 |
| Net loans and leases to deposits | 51.7212% | 5,727 |
| Net loans and leases to core deposits | 54.5138% | 5,726 |
| Total domestic deposits to total assets | 86.9591% | 2,715 |
| Equity capital to assets | 9.9539% | 3,960 |
| Core capital (leverage) ratio | 10.1172% | 3,504 |
| Tier 1 risk-based capital ratio | 19.1081% | 1,957 |
| Total risk-based capital ratio | 20.3149% | 1,938 |
| Memoranda: | ||
| Average total assets | $69,962,250 | 5,533 |
| Average earning assets | $63,773,000 | 5,530 |
| Average equity | $7,030,500 | 5,623 |
| Average total loans | $33,198,000 | 5,671 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 2,612 |
| Cost of funding earning assets | 0.9751% | 616 |
| Net interest margin | 3.4127% | 4,148 |
| Noninterest income to average assets | 0.5275% | 3,649 |
| Noninterest expense to average assets | 3.3828% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3067% | 5,586 |
| Return on assets (ROA) | 0.3067% | 5,734 |
| Pretax return on assets | 0.2351% | 6,024 |
| Return on Equity (ROE) | 3.0428% | 5,606 |
| Retained earnings to average equity (ytd only) | 0.4834% | 5,705 |
| Net charge-offs to loans | 0.4890% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,194 |
| Efficiency ratio | 93.5024% | 784 |
| Assets per employee ($millions) | 3.1026% | 5,673 |
| Cash dividends to net income (ytd only)* | 84.1121% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 3,870 |
| Loan loss allowance to noncurrent loans | 42.3181% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 1.9631% | 2,196 |
| Noncurrent loans to loans | 3.3907% | 1,261 |
| Net loans and leases to total assets | 47.3996% | 5,383 |
| Net loans and leases to deposits | 54.7019% | 5,457 |
| Net loans and leases to core deposits | 57.8060% | 5,440 |
| Total domestic deposits to total assets | 86.6506% | 3,029 |
| Equity capital to assets | 10.2215% | 3,640 |
| Core capital (leverage) ratio | 9.9916% | 3,537 |
| Tier 1 risk-based capital ratio | 19.2599% | 1,921 |
| Total risk-based capital ratio | 20.5100% | 1,891 |
| Memoranda: | ||
| Average total assets | $69,764,670 | 5,576 |
| Average earning assets | $63,175,000 | 5,588 |
| Average equity | $7,033,000 | 5,674 |
| Average total loans | $33,539,670 | 5,684 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 2,546 |
| Cost of funding earning assets | 0.9747% | 689 |
| Net interest margin | 3.4179% | 4,052 |
| Noninterest income to average assets | 0.4481% | 4,128 |
| Noninterest expense to average assets | 3.3920% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2382% | 5,767 |
| Return on assets (ROA) | 0.2382% | 5,893 |
| Pretax return on assets | 0.1191% | 6,224 |
| Return on Equity (ROE) | 2.3793% | 5,822 |
| Retained earnings to average equity (ytd only) | -0.4532% | 5,868 |
| Net charge-offs to loans | 0.1416% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 3,251 |
| Efficiency ratio | 96.6074% | 699 |
| Assets per employee ($millions) | 2.9552% | 6,064 |
| Cash dividends to net income (ytd only)* | 119.0476% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 3,345 |
| Loan loss allowance to noncurrent loans | 90.1667% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2689% | 3,443 |
| Noncurrent loans to loans | 1.7884% | 2,880 |
| Net loans and leases to total assets | 46.5407% | 5,384 |
| Net loans and leases to deposits | 53.4481% | 5,478 |
| Net loans and leases to core deposits | 56.3399% | 5,496 |
| Total domestic deposits to total assets | 87.0765% | 2,920 |
| Equity capital to assets | 9.9373% | 4,227 |
| Core capital (leverage) ratio | 10.0544% | 3,312 |
| Tier 1 risk-based capital ratio | 18.6273% | 2,147 |
| Total risk-based capital ratio | 19.8786% | 2,120 |
| Memoranda: | ||
| Average total assets | $70,518,000 | 5,610 |
| Average earning assets | $63,196,000 | 5,642 |
| Average equity | $7,061,000 | 5,729 |
| Average total loans | $33,897,000 | 5,711 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 2,439 |
| Cost of funding earning assets | 1.1003% | 904 |
| Net interest margin | 3.6363% | 3,937 |
| Noninterest income to average assets | 0.5244% | 3,749 |
| Noninterest expense to average assets | 3.3345% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4822% | 4,757 |
| Return on assets (ROA) | 0.4822% | 5,007 |
| Pretax return on assets | 0.4734% | 5,359 |
| Return on Equity (ROE) | 4.7314% | 4,823 |
| Retained earnings to average equity (ytd only) | 1.8726% | 4,899 |
| Net charge-offs to loans | -0.0116% | 6,485 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5669% | 1,279 |
| Assets per employee ($millions) | 2.9213% | 6,127 |
| Cash dividends to net income (ytd only)* | 60.4230% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 3,243 |
| Loan loss allowance to noncurrent loans | 67.4390% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.5233% | 3,093 |
| Noncurrent loans to loans | 2.3946% | 2,235 |
| Net loans and leases to total assets | 48.0538% | 5,414 |
| Net loans and leases to deposits | 55.3718% | 5,503 |
| Net loans and leases to core deposits | 58.9199% | 5,460 |
| Total domestic deposits to total assets | 86.7838% | 2,947 |
| Equity capital to assets | 10.0897% | 4,047 |
| Core capital (leverage) ratio | 9.9942% | 3,407 |
| Tier 1 risk-based capital ratio | 18.8934% | 1,987 |
| Total risk-based capital ratio | 20.1175% | 1,964 |
| Memoranda: | ||
| Average total assets | $68,646,400 | 5,663 |
| Average earning assets | $61,985,400 | 5,669 |
| Average equity | $6,995,800 | 5,766 |
| Average total loans | $34,517,400 | 5,738 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 2,514 |
| Cost of funding earning assets | 1.1148% | 1,000 |
| Net interest margin | 3.6538% | 3,994 |
| Noninterest income to average assets | 0.5409% | 3,665 |
| Noninterest expense to average assets | 3.3723% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4882% | 4,887 |
| Return on assets (ROA) | 0.4882% | 5,154 |
| Pretax return on assets | 0.4647% | 5,553 |
| Return on Equity (ROE) | 4.7781% | 4,933 |
| Retained earnings to average equity (ytd only) | 1.9112% | 5,379 |
| Net charge-offs to loans | -0.0424% | 6,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8880% | 1,203 |
| Assets per employee ($millions) | 2.8472% | 6,295 |
| Cash dividends to net income (ytd only)* | 60.0006% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,512 |
| Loan loss allowance to noncurrent loans | 41.4508% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.3400% | 2,272 |
| Noncurrent loans to loans | 3.8631% | 1,348 |
| Net loans and leases to total assets | 50.3600% | 5,269 |
| Net loans and leases to deposits | 58.2583% | 5,402 |
| Net loans and leases to core deposits | 62.1043% | 5,348 |
| Total domestic deposits to total assets | 86.4427% | 3,019 |
| Equity capital to assets | 10.3261% | 4,046 |
| Core capital (leverage) ratio | 9.9935% | 3,554 |
| Tier 1 risk-based capital ratio | 19.0645% | 1,990 |
| Total risk-based capital ratio | 20.3190% | 1,963 |
| Memoranda: | ||
| Average total assets | $68,280,250 | 5,736 |
| Average earning assets | $61,596,750 | 5,750 |
| Average equity | $6,976,250 | 5,839 |
| Average total loans | $34,585,750 | 5,809 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 2,309 |
| Cost of funding earning assets | 1.1323% | 1,084 |
| Net interest margin | 3.7162% | 3,747 |
| Noninterest income to average assets | 0.5450% | 3,617 |
| Noninterest expense to average assets | 3.3576% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5274% | 4,688 |
| Return on assets (ROA) | 0.5274% | 4,965 |
| Pretax return on assets | 0.4951% | 5,446 |
| Return on Equity (ROE) | 5.1801% | 4,719 |
| Retained earnings to average equity (ytd only) | 2.3023% | 5,041 |
| Net charge-offs to loans | -0.0813% | 6,809 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1483% | 1,323 |
| Assets per employee ($millions) | 2.9138% | 6,213 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 3,488 |
| Loan loss allowance to noncurrent loans | 44.4006% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.1492% | 2,613 |
| Noncurrent loans to loans | 3.6781% | 1,550 |
| Net loans and leases to total assets | 48.4914% | 5,569 |
| Net loans and leases to deposits | 55.8353% | 5,668 |
| Net loans and leases to core deposits | 59.6615% | 5,625 |
| Total domestic deposits to total assets | 86.8472% | 2,863 |
| Equity capital to assets | 10.0240% | 4,295 |
| Core capital (leverage) ratio | 9.9340% | 3,508 |
| Tier 1 risk-based capital ratio | 19.0556% | 1,954 |
| Total risk-based capital ratio | 20.2826% | 1,941 |
| Memoranda: | ||
| Average total assets | $68,263,000 | 5,772 |
| Average earning assets | $60,760,670 | 5,810 |
| Average equity | $6,949,670 | 5,860 |
| Average total loans | $34,457,000 | 5,851 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 2,468 |
| Cost of funding earning assets | 1.1346% | 1,241 |
| Net interest margin | 3.7091% | 3,785 |
| Noninterest income to average assets | 0.5161% | 3,807 |
| Noninterest expense to average assets | 3.4051% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5576% | 4,552 |
| Return on assets (ROA) | 0.5576% | 4,770 |
| Pretax return on assets | 0.4271% | 5,648 |
| Return on Equity (ROE) | 5.4339% | 4,575 |
| Retained earnings to average equity (ytd only) | 2.5435% | 4,984 |
| Net charge-offs to loans | -0.2903% | 7,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8545% | 1,192 |
| Assets per employee ($millions) | 2.7486% | 6,578 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 3,437 |
| Loan loss allowance to noncurrent loans | 48.0737% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 2.0098% | 2,883 |
| Noncurrent loans to loans | 3.4887% | 1,791 |
| Net loans and leases to total assets | 48.9718% | 5,437 |
| Net loans and leases to deposits | 56.4188% | 5,556 |
| Net loans and leases to core deposits | 60.3952% | 5,494 |
| Total domestic deposits to total assets | 86.8006% | 3,067 |
| Equity capital to assets | 10.0880% | 4,016 |
| Core capital (leverage) ratio | 10.1103% | 3,227 |
| Tier 1 risk-based capital ratio | 19.2870% | 1,902 |
| Total risk-based capital ratio | 20.5412% | 1,869 |
| Memoranda: | ||
| Average total assets | $67,428,500 | 5,847 |
| Average earning assets | $60,284,000 | 5,866 |
| Average equity | $6,919,500 | 5,898 |
| Average total loans | $34,448,500 | 5,902 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 2,300 |
| Cost of funding earning assets | 1.2060% | 1,990 |
| Net interest margin | 3.9318% | 3,197 |
| Noninterest income to average assets | 0.5046% | 3,817 |
| Noninterest expense to average assets | 3.3376% | 2,396 |
| Loan and lease loss provision to assets | 0.1380% | 4,893 |
| Net operating income to assets | 0.5448% | 4,255 |
| Return on assets (ROA) | 0.5460% | 4,442 |
| Pretax return on assets | 0.6611% | 4,468 |
| Return on Equity (ROE) | 5.2730% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.3106% | 4,569 |
| Net charge-offs to loans | 0.5692% | 2,746 |
| Credit loss provision to net charge-offs | 45.6853% | 5,516 |
| Earnings coverage of net charge-offs (x) | 2.6396% | 3,895 |
| Efficiency ratio | 80.7122% | 2,200 |
| Assets per employee ($millions) | 2.8757% | 6,327 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,646 |
| Loan loss allowance to noncurrent loans | 53.7708% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 3,220 |
| Noncurrent loans to loans | 2.9447% | 2,210 |
| Net loans and leases to total assets | 51.5905% | 5,375 |
| Net loans and leases to deposits | 59.8418% | 5,502 |
| Net loans and leases to core deposits | 64.2509% | 5,438 |
| Total domestic deposits to total assets | 86.2115% | 3,192 |
| Equity capital to assets | 10.4427% | 3,593 |
| Core capital (leverage) ratio | 10.3753% | 2,872 |
| Tier 1 risk-based capital ratio | 19.4697% | 1,775 |
| Total risk-based capital ratio | 20.7093% | 1,742 |
| Memoranda: | ||
| Average total assets | $65,197,200 | 5,891 |
| Average earning assets | $60,201,400 | 5,858 |
| Average equity | $6,751,400 | 5,940 |
| Average total loans | $34,612,800 | 5,931 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 2,396 |
| Cost of funding earning assets | 1.2218% | 2,176 |
| Net interest margin | 3.9271% | 3,242 |
| Noninterest income to average assets | 0.5193% | 3,733 |
| Noninterest expense to average assets | 3.3640% | 2,295 |
| Loan and lease loss provision to assets | 0.1847% | 4,189 |
| Net operating income to assets | 0.5070% | 4,523 |
| Return on assets (ROA) | 0.5070% | 4,705 |
| Pretax return on assets | 0.6055% | 4,792 |
| Return on Equity (ROE) | 4.9062% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.9267% | 5,175 |
| Net charge-offs to loans | 0.7746% | 2,012 |
| Credit loss provision to net charge-offs | 44.7761% | 5,150 |
| Earnings coverage of net charge-offs (x) | 1.9154% | 4,222 |
| Efficiency ratio | 80.9783% | 2,109 |
| Assets per employee ($millions) | 2.9037% | 6,303 |
| Cash dividends to net income (ytd only)* | 60.7294% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 3,739 |
| Loan loss allowance to noncurrent loans | 59.6933% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.7474% | 3,477 |
| Noncurrent loans to loans | 2.6531% | 2,625 |
| Net loans and leases to total assets | 50.7097% | 5,614 |
| Net loans and leases to deposits | 58.7642% | 5,770 |
| Net loans and leases to core deposits | 62.4334% | 5,777 |
| Total domestic deposits to total assets | 86.2935% | 3,040 |
| Equity capital to assets | 10.2507% | 4,021 |
| Core capital (leverage) ratio | 10.2523% | 3,129 |
| Tier 1 risk-based capital ratio | 19.3620% | 1,846 |
| Total risk-based capital ratio | 20.6058% | 1,817 |
| Memoranda: | ||
| Average total assets | $64,961,000 | 5,940 |
| Average earning assets | $60,128,250 | 5,901 |
| Average equity | $6,712,500 | 5,996 |
| Average total loans | $34,598,000 | 5,988 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 2,251 |
| Cost of funding earning assets | 1.2444% | 2,290 |
| Net interest margin | 3.9574% | 3,053 |
| Noninterest income to average assets | 0.5283% | 3,641 |
| Noninterest expense to average assets | 3.4342% | 2,172 |
| Loan and lease loss provision to assets | 0.1865% | 4,050 |
| Net operating income to assets | 0.4879% | 4,553 |
| Return on assets (ROA) | 0.4879% | 4,697 |
| Pretax return on assets | 0.5843% | 4,796 |
| Return on Equity (ROE) | 4.7091% | 4,586 |
| Retained earnings to average equity (ytd only) | 1.7097% | 5,139 |
| Net charge-offs to loans | 0.0808% | 4,835 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,285 |
| Efficiency ratio | 81.6704% | 2,148 |
| Assets per employee ($millions) | 2.8173% | 6,440 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0819% | 2,159 |
| Loan loss allowance to noncurrent loans | 69.9900% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.8905% | 3,378 |
| Noncurrent loans to loans | 2.9745% | 2,441 |
| Net loans and leases to total assets | 50.9561% | 5,700 |
| Net loans and leases to deposits | 59.4437% | 5,782 |
| Net loans and leases to core deposits | 63.2844% | 5,792 |
| Total domestic deposits to total assets | 85.7216% | 3,484 |
| Equity capital to assets | 10.4480% | 3,577 |
| Core capital (leverage) ratio | 10.5305% | 2,683 |
| Tier 1 risk-based capital ratio | 19.8811% | 1,634 |
| Total risk-based capital ratio | 21.1032% | 1,608 |
| Memoranda: | ||
| Average total assets | $64,352,670 | 6,004 |
| Average earning assets | $59,786,000 | 5,964 |
| Average equity | $6,668,000 | 6,026 |
| Average total loans | $34,660,000 | 6,040 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 2,590 |
| Cost of funding earning assets | 1.2563% | 2,461 |
| Net interest margin | 3.8554% | 3,357 |
| Noninterest income to average assets | 0.4179% | 4,561 |
| Noninterest expense to average assets | 3.4555% | 2,128 |
| Loan and lease loss provision to assets | 0.1871% | 3,743 |
| Net operating income to assets | 0.3316% | 5,263 |
| Return on assets (ROA) | 0.4678% | 4,713 |
| Pretax return on assets | 0.5551% | 4,849 |
| Return on Equity (ROE) | 4.5338% | 4,633 |
| Retained earnings to average equity (ytd only) | 1.5113% | 5,207 |
| Net charge-offs to loans | -0.0342% | 6,753 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6260% | 1,756 |
| Assets per employee ($millions) | 2.7667% | 6,591 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 2,468 |
| Loan loss allowance to noncurrent loans | 45.8777% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.5458% | 2,683 |
| Noncurrent loans to loans | 4.3129% | 1,644 |
| Net loans and leases to total assets | 53.7174% | 5,344 |
| Net loans and leases to deposits | 62.5700% | 5,433 |
| Net loans and leases to core deposits | 66.6810% | 5,439 |
| Total domestic deposits to total assets | 85.8517% | 3,610 |
| Equity capital to assets | 10.4238% | 3,263 |
| Core capital (leverage) ratio | 10.3696% | 2,741 |
| Tier 1 risk-based capital ratio | 19.5211% | 1,689 |
| Total risk-based capital ratio | 20.7711% | 1,654 |
| Memoranda: | ||
| Average total assets | $64,130,500 | 6,058 |
| Average earning assets | $60,176,000 | 5,992 |
| Average equity | $6,617,000 | 6,055 |
| Average total loans | $35,130,000 | 6,074 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 2,616 |
| Cost of funding earning assets | 1.4347% | 3,047 |
| Net interest margin | 3.9770% | 3,117 |
| Noninterest income to average assets | 0.4976% | 4,190 |
| Noninterest expense to average assets | 3.4001% | 2,440 |
| Loan and lease loss provision to assets | 0.2159% | 5,095 |
| Net operating income to assets | 0.4913% | 4,143 |
| Return on assets (ROA) | 0.5132% | 4,190 |
| Pretax return on assets | 0.6572% | 4,137 |
| Return on Equity (ROE) | 4.9800% | 4,074 |
| Retained earnings to average equity (ytd only) | 2.0952% | 4,415 |
| Net charge-offs to loans | 0.0409% | 6,396 |
| Credit loss provision to net charge-offs | 920.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 632 |
| Efficiency ratio | 80.0958% | 2,402 |
| Assets per employee ($millions) | 2.6928% | 6,699 |
| Cash dividends to net income (ytd only)* | 57.9268% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 2,681 |
| Loan loss allowance to noncurrent loans | 51.4510% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 2.3906% | 2,878 |
| Noncurrent loans to loans | 3.6029% | 2,078 |
| Net loans and leases to total assets | 53.7414% | 5,666 |
| Net loans and leases to deposits | 62.4003% | 5,803 |
| Net loans and leases to core deposits | 67.0101% | 5,773 |
| Total domestic deposits to total assets | 86.1237% | 3,292 |
| Equity capital to assets | 10.2138% | 3,484 |
| Core capital (leverage) ratio | 10.2966% | 2,771 |
| Tier 1 risk-based capital ratio | 18.9914% | 1,725 |
| Total risk-based capital ratio | 20.2378% | 1,691 |
| Memoranda: | ||
| Average total assets | $63,910,400 | 6,063 |
| Average earning assets | $60,221,000 | 5,990 |
| Average equity | $6,586,400 | 6,172 |
| Average total loans | $36,682,600 | 6,085 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 2,724 |
| Cost of funding earning assets | 1.4629% | 3,200 |
| Net interest margin | 3.9719% | 3,231 |
| Noninterest income to average assets | 0.4770% | 4,354 |
| Noninterest expense to average assets | 3.4164% | 2,244 |
| Loan and lease loss provision to assets | 0.2343% | 4,731 |
| Net operating income to assets | 0.4554% | 4,519 |
| Return on assets (ROA) | 0.4686% | 4,642 |
| Pretax return on assets | 0.5921% | 4,625 |
| Return on Equity (ROE) | 4.5370% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.7014% | 5,108 |
| Net charge-offs to loans | 0.0324% | 6,234 |
| Credit loss provision to net charge-offs | 1,244.4444% | 241 |
| Earnings coverage of net charge-offs (x) | 42.9992% | 647 |
| Efficiency ratio | 80.8416% | 2,238 |
| Assets per employee ($millions) | 2.6832% | 6,800 |
| Cash dividends to net income (ytd only)* | 62.4992% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 2,971 |
| Loan loss allowance to noncurrent loans | 51.3317% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.3246% | 3,055 |
| Noncurrent loans to loans | 3.4140% | 2,328 |
| Net loans and leases to total assets | 55.3690% | 5,642 |
| Net loans and leases to deposits | 64.4996% | 5,851 |
| Net loans and leases to core deposits | 69.2686% | 5,826 |
| Total domestic deposits to total assets | 85.8441% | 3,160 |
| Equity capital to assets | 10.2909% | 3,781 |
| Core capital (leverage) ratio | 10.2203% | 3,019 |
| Tier 1 risk-based capital ratio | 18.4352% | 1,887 |
| Total risk-based capital ratio | 19.6887% | 1,851 |
| Memoranda: | ||
| Average total assets | $63,731,000 | 6,138 |
| Average earning assets | $60,155,000 | 6,059 |
| Average equity | $6,582,750 | 6,245 |
| Average total loans | $37,006,250 | 6,146 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 2,695 |
| Cost of funding earning assets | 1.4819% | 3,358 |
| Net interest margin | 3.9796% | 3,120 |
| Noninterest income to average assets | 0.4566% | 4,464 |
| Noninterest expense to average assets | 3.4861% | 2,062 |
| Loan and lease loss provision to assets | 0.2362% | 4,552 |
| Net operating income to assets | 0.4094% | 4,715 |
| Return on assets (ROA) | 0.4094% | 4,877 |
| Pretax return on assets | 0.4976% | 4,905 |
| Return on Equity (ROE) | 3.9586% | 4,793 |
| Retained earnings to average equity (ytd only) | 1.2180% | 5,263 |
| Net charge-offs to loans | 0.1235% | 4,953 |
| Credit loss provision to net charge-offs | 326.0870% | 1,121 |
| Earnings coverage of net charge-offs (x) | 10.1304% | 1,932 |
| Efficiency ratio | 82.6119% | 2,090 |
| Assets per employee ($millions) | 2.6835% | 6,801 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 3,485 |
| Loan loss allowance to noncurrent loans | 39.4737% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 2.3104% | 3,122 |
| Noncurrent loans to loans | 4.0334% | 1,870 |
| Net loans and leases to total assets | 56.1425% | 5,680 |
| Net loans and leases to deposits | 65.0593% | 5,912 |
| Net loans and leases to core deposits | 69.4238% | 5,927 |
| Total domestic deposits to total assets | 86.2943% | 2,929 |
| Equity capital to assets | 10.2183% | 3,744 |
| Core capital (leverage) ratio | 10.2839% | 2,849 |
| Tier 1 risk-based capital ratio | 18.3682% | 1,865 |
| Total risk-based capital ratio | 19.6085% | 1,838 |
| Memoranda: | ||
| Average total assets | $63,509,000 | 6,194 |
| Average earning assets | $60,056,670 | 6,099 |
| Average equity | $6,568,000 | 6,278 |
| Average total loans | $37,244,330 | 6,182 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4806% | 2,684 |
| Cost of funding earning assets | 1.5045% | 3,527 |
| Net interest margin | 3.9761% | 2,972 |
| Noninterest income to average assets | 0.4630% | 4,357 |
| Noninterest expense to average assets | 3.5521% | 1,840 |
| Loan and lease loss provision to assets | 0.2410% | 4,117 |
| Net operating income to assets | 0.3616% | 5,013 |
| Return on assets (ROA) | 0.3616% | 5,142 |
| Pretax return on assets | 0.4250% | 5,212 |
| Return on Equity (ROE) | 3.4748% | 5,127 |
| Retained earnings to average equity (ytd only) | 1.0363% | 5,399 |
| Net charge-offs to loans | 0.0640% | 4,770 |
| Credit loss provision to net charge-offs | 633.3333% | 687 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,280 |
| Efficiency ratio | 84.2105% | 2,003 |
| Assets per employee ($millions) | 2.6168% | 7,008 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,855 |
| Loan loss allowance to noncurrent loans | 59.4111% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.5939% | 4,104 |
| Noncurrent loans to loans | 2.5431% | 3,130 |
| Net loans and leases to total assets | 58.6453% | 5,328 |
| Net loans and leases to deposits | 68.5419% | 5,532 |
| Net loans and leases to core deposits | 73.0962% | 5,598 |
| Total domestic deposits to total assets | 85.5612% | 3,383 |
| Equity capital to assets | 10.4501% | 3,296 |
| Core capital (leverage) ratio | 10.3583% | 2,759 |
| Tier 1 risk-based capital ratio | 18.2635% | 1,883 |
| Total risk-based capital ratio | 19.5095% | 1,857 |
| Memoranda: | ||
| Average total assets | $63,061,500 | 6,268 |
| Average earning assets | $59,555,500 | 6,190 |
| Average equity | $6,561,500 | 6,328 |
| Average total loans | $37,495,000 | 6,236 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8138% | 2,598 |
| Cost of funding earning assets | 1.8015% | 3,989 |
| Net interest margin | 4.0123% | 2,817 |
| Noninterest income to average assets | 0.4965% | 4,446 |
| Noninterest expense to average assets | 3.6788% | 1,956 |
| Loan and lease loss provision to assets | 0.3490% | 4,710 |
| Net operating income to assets | 0.2602% | 4,683 |
| Return on assets (ROA) | 0.2602% | 4,771 |
| Pretax return on assets | 0.2633% | 4,864 |
| Return on Equity (ROE) | 2.4968% | 4,709 |
| Retained earnings to average equity (ytd only) | 0.8830% | 4,406 |
| Net charge-offs to loans | 0.3098% | 4,696 |
| Credit loss provision to net charge-offs | 180.3279% | 2,304 |
| Earnings coverage of net charge-offs (x) | 3.1639% | 3,478 |
| Efficiency ratio | 85.7301% | 2,144 |
| Assets per employee ($millions) | 2.6383% | 6,969 |
| Cash dividends to net income (ytd only)* | 64.6341% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 4,133 |
| Loan loss allowance to noncurrent loans | 46.4690% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 1.8904% | 3,545 |
| Noncurrent loans to loans | 3.0510% | 2,530 |
| Net loans and leases to total assets | 58.5297% | 5,570 |
| Net loans and leases to deposits | 68.3379% | 5,786 |
| Net loans and leases to core deposits | 78.7845% | 6,197 |
| Total domestic deposits to total assets | 85.6475% | 3,200 |
| Equity capital to assets | 10.3601% | 3,330 |
| Core capital (leverage) ratio | 10.3716% | 2,713 |
| Tier 1 risk-based capital ratio | 18.0546% | 1,880 |
| Total risk-based capital ratio | 19.2983% | 1,840 |
| Memoranda: | ||
| Average total assets | $63,036,400 | 6,238 |
| Average earning assets | $59,616,400 | 6,139 |
| Average equity | $6,568,400 | 6,403 |
| Average total loans | $39,384,200 | 6,143 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8530% | 2,657 |
| Cost of funding earning assets | 1.8511% | 4,146 |
| Net interest margin | 4.0019% | 2,813 |
| Noninterest income to average assets | 0.5463% | 4,109 |
| Noninterest expense to average assets | 3.6802% | 1,866 |
| Loan and lease loss provision to assets | 0.3811% | 4,042 |
| Net operating income to assets | 0.2626% | 4,940 |
| Return on assets (ROA) | 0.2626% | 5,035 |
| Pretax return on assets | 0.2753% | 5,123 |
| Return on Equity (ROE) | 2.5162% | 4,984 |
| Retained earnings to average equity (ytd only) | 1.1363% | 4,686 |
| Net charge-offs to loans | 0.4017% | 3,653 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | 2.5833% | 3,933 |
| Efficiency ratio | 84.8633% | 2,202 |
| Assets per employee ($millions) | 2.6173% | 7,019 |
| Cash dividends to net income (ytd only)* | 54.8358% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,426 |
| Loan loss allowance to noncurrent loans | 43.6123% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 2.0027% | 3,343 |
| Noncurrent loans to loans | 3.0069% | 2,513 |
| Net loans and leases to total assets | 59.3053% | 5,692 |
| Net loans and leases to deposits | 69.0299% | 6,026 |
| Net loans and leases to core deposits | 80.1929% | 6,338 |
| Total domestic deposits to total assets | 85.9124% | 2,739 |
| Equity capital to assets | 10.4626% | 3,555 |
| Core capital (leverage) ratio | 10.1245% | 3,144 |
| Tier 1 risk-based capital ratio | 18.2286% | 1,929 |
| Total risk-based capital ratio | 19.5071% | 1,863 |
| Memoranda: | ||
| Average total assets | $62,965,500 | 6,282 |
| Average earning assets | $59,637,250 | 6,183 |
| Average equity | $6,570,500 | 6,458 |
| Average total loans | $39,831,750 | 6,165 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8863% | 2,652 |
| Cost of funding earning assets | 1.8749% | 4,395 |
| Net interest margin | 4.0114% | 2,655 |
| Noninterest income to average assets | 0.5554% | 3,990 |
| Noninterest expense to average assets | 3.6467% | 1,953 |
| Loan and lease loss provision to assets | 0.3809% | 3,644 |
| Net operating income to assets | 0.2729% | 5,002 |
| Return on assets (ROA) | 0.2729% | 5,103 |
| Pretax return on assets | 0.3237% | 5,154 |
| Return on Equity (ROE) | 2.6180% | 5,050 |
| Retained earnings to average equity (ytd only) | 1.0959% | 4,723 |
| Net charge-offs to loans | 0.4688% | 2,956 |
| Credit loss provision to net charge-offs | 126.3158% | 3,676 |
| Earnings coverage of net charge-offs (x) | 2.3368% | 3,894 |
| Efficiency ratio | 83.8074% | 2,501 |
| Assets per employee ($millions) | 2.5496% | 7,146 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 5,029 |
| Loan loss allowance to noncurrent loans | 31.1021% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 2.5808% | 2,495 |
| Noncurrent loans to loans | 3.8199% | 1,790 |
| Net loans and leases to total assets | 60.0229% | 5,675 |
| Net loans and leases to deposits | 69.7324% | 6,015 |
| Net loans and leases to core deposits | 80.7080% | 6,342 |
| Total domestic deposits to total assets | 86.0760% | 2,744 |
| Equity capital to assets | 10.2967% | 3,621 |
| Core capital (leverage) ratio | 10.1241% | 3,165 |
| Tier 1 risk-based capital ratio | 17.7300% | 2,084 |
| Total risk-based capital ratio | 18.9938% | 2,032 |
| Memoranda: | ||
| Average total assets | $63,016,000 | 6,330 |
| Average earning assets | $59,629,670 | 6,245 |
| Average equity | $6,570,000 | 6,508 |
| Average total loans | $40,526,670 | 6,178 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9656% | 2,502 |
| Cost of funding earning assets | 1.9120% | 4,569 |
| Net interest margin | 4.0536% | 2,442 |
| Noninterest income to average assets | 0.6767% | 3,022 |
| Noninterest expense to average assets | 3.5113% | 2,072 |
| Loan and lease loss provision to assets | 0.3831% | 3,026 |
| Net operating income to assets | 0.4341% | 4,727 |
| Return on assets (ROA) | 0.4341% | 4,901 |
| Pretax return on assets | 0.6129% | 4,717 |
| Return on Equity (ROE) | 4.1378% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.1378% | 3,605 |
| Net charge-offs to loans | 0.4924% | 2,231 |
| Credit loss provision to net charge-offs | 117.6471% | 3,323 |
| Earnings coverage of net charge-offs (x) | 3.0588% | 3,290 |
| Efficiency ratio | 77.9037% | 3,181 |
| Assets per employee ($millions) | 2.5115% | 7,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 5,374 |
| Loan loss allowance to noncurrent loans | 36.4909% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 1.9335% | 3,001 |
| Noncurrent loans to loans | 3.0503% | 2,137 |
| Net loans and leases to total assets | 62.6834% | 5,210 |
| Net loans and leases to deposits | 73.1312% | 5,597 |
| Net loans and leases to core deposits | 85.1883% | 5,968 |
| Total domestic deposits to total assets | 85.7136% | 2,865 |
| Equity capital to assets | 10.5006% | 3,462 |
| Core capital (leverage) ratio | 10.3388% | 3,078 |
| Tier 1 risk-based capital ratio | 17.8603% | 2,094 |
| Total risk-based capital ratio | 19.0777% | 2,044 |
| Memoranda: | ||
| Average total assets | $62,654,500 | 6,373 |
| Average earning assets | $59,206,500 | 6,295 |
| Average equity | $6,573,500 | 6,561 |
| Average total loans | $41,431,000 | 6,167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5347% | 2,788 |
| Cost of funding earning assets | 2.3376% | 4,980 |
| Net interest margin | 4.1971% | 2,322 |
| Noninterest income to average assets | 0.4272% | 5,237 |
| Noninterest expense to average assets | 3.3677% | 2,771 |
| Loan and lease loss provision to assets | 0.2339% | 4,555 |
| Net operating income to assets | 0.5488% | 4,533 |
| Return on assets (ROA) | 0.5488% | 4,386 |
| Pretax return on assets | 0.7811% | 4,139 |
| Return on Equity (ROE) | 3.8626% | 4,871 |
| Retained earnings to average equity (ytd only) | -34.7526% | 7,985 |
| Net charge-offs to loans | 0.1973% | 4,220 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 7.2333% | 3,156 |
| Efficiency ratio | 76.8410% | 3,103 |
| Assets per employee ($millions) | 2.5009% | 7,203 |
| Cash dividends to net income (ytd only)* | 999.7159% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 5,935 |
| Loan loss allowance to noncurrent loans | 31.8448% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 2.1848% | 2,239 |
| Noncurrent loans to loans | 3.1722% | 1,663 |
| Net loans and leases to total assets | 68.1792% | 4,434 |
| Net loans and leases to deposits | 79.7646% | 5,086 |
| Net loans and leases to core deposits | 92.8187% | 5,560 |
| Total domestic deposits to total assets | 85.4755% | 2,640 |
| Equity capital to assets | 10.4827% | 3,523 |
| Core capital (leverage) ratio | 10.3789% | 3,094 |
| Tier 1 risk-based capital ratio | 16.9527% | 2,328 |
| Total risk-based capital ratio | 18.0994% | 2,302 |
| Memoranda: | ||
| Average total assets | $64,138,600 | 6,226 |
| Average earning assets | $60,447,000 | 6,155 |
| Average equity | $9,113,000 | 5,702 |
| Average total loans | $45,606,200 | 5,898 |