Home > The First National Bank of Northfield > Performance and Condition Ratios
The First National Bank of Northfield, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,761 |
| Cost of funding earning assets | 0.7160% | 2,865 |
| Net interest margin | 3.2918% | 3,609 |
| Noninterest income to average assets | 0.4584% | 2,750 |
| Noninterest expense to average assets | 3.3865% | 1,088 |
| Loan and lease loss provision to assets | 0.0822% | 2,669 |
| Net operating income to assets | -0.0624% | 4,781 |
| Return on assets (ROA) | -0.0624% | 4,769 |
| Pretax return on assets | -0.1019% | 4,774 |
| Return on Equity (ROE) | -0.4300% | 4,770 |
| Retained earnings to average equity (ytd only) | -0.4300% | 4,062 |
| Net charge-offs to loans | -0.0175% | 4,292 |
| Credit loss provision to net charge-offs | -714.2857% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6784% | 476 |
| Assets per employee ($millions) | 7.9922% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0800% | 5,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 66.6653% | 2,737 |
| Net loans and leases to deposits | 78.7393% | 2,807 |
| Net loans and leases to core deposits | 81.8831% | 3,031 |
| Total domestic deposits to total assets | 84.6658% | 2,537 |
| Equity capital to assets | 14.7845% | 811 |
| Core capital (leverage) ratio | 10.3052% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4153% | 2,107 |
| Memoranda: | ||
| Average total assets | $243,439,000 | 2,531 |
| Average earning assets | $215,081,000 | 2,616 |
| Average equity | $35,346,500 | 2,182 |
| Average total loans | $159,826,000 | 2,542 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4266% | 5,157 |
| Cost of funding earning assets | 0.2765% | 4,780 |
| Net interest margin | 1.1501% | 5,149 |
| Noninterest income to average assets | 0.1828% | 4,573 |
| Noninterest expense to average assets | 0.9428% | 5,126 |
| Loan and lease loss provision to assets | 0.0332% | 3,350 |
| Net operating income to assets | 0.1899% | 4,844 |
| Return on assets (ROA) | 0.1899% | 4,867 |
| Pretax return on assets | 0.2581% | 4,851 |
| Return on Equity (ROE) | 1.6629% | 4,839 |
| Retained earnings to average equity (ytd only) | 1.6629% | 4,138 |
| Net charge-offs to loans | 0.0044% | 3,522 |
| Credit loss provision to net charge-offs | 1,071.4286% | 322 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 712 |
| Efficiency ratio | 67.7188% | 2,501 |
| Assets per employee ($millions) | 7.2680% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0451% | 5,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.5907% | 3,122 |
| Net loans and leases to deposits | 77.3700% | 3,068 |
| Net loans and leases to core deposits | 80.3921% | 3,264 |
| Total domestic deposits to total assets | 83.4829% | 3,026 |
| Equity capital to assets | 14.2627% | 1,015 |
| Core capital (leverage) ratio | 9.9858% | 3,538 |
| Tier 1 risk-based capital ratio | 14.1154% | 3,209 |
| Total risk-based capital ratio | 14.1581% | 3,716 |
| Memoranda: | ||
| Average total assets | $225,916,600 | 2,614 |
| Average earning assets | $206,508,800 | 2,642 |
| Average equity | $25,798,400 | 2,652 |
| Average total loans | $160,542,600 | 2,505 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4821% | 5,251 |
| Cost of funding earning assets | 0.0897% | 5,193 |
| Net interest margin | 0.3924% | 5,250 |
| Noninterest income to average assets | 0.0635% | 5,084 |
| Noninterest expense to average assets | 0.2466% | 5,247 |
| Loan and lease loss provision to assets | 0.0151% | 3,603 |
| Net operating income to assets | 0.1197% | 5,004 |
| Return on assets (ROA) | 0.1197% | 5,019 |
| Pretax return on assets | 0.1638% | 5,004 |
| Return on Equity (ROE) | 1.1264% | 5,000 |
| Retained earnings to average equity (ytd only) | 1.1264% | 4,535 |
| Net charge-offs to loans | 0.0017% | 3,388 |
| Credit loss provision to net charge-offs | 1,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 147.8127% | 547 |
| Efficiency ratio | 57.9545% | 3,944 |
| Assets per employee ($millions) | 7.5028% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0160% | 5,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 65.8166% | 3,070 |
| Net loans and leases to deposits | 78.6022% | 3,044 |
| Net loans and leases to core deposits | 80.5184% | 3,352 |
| Total domestic deposits to total assets | 83.7339% | 2,920 |
| Equity capital to assets | 14.1316% | 1,098 |
| Core capital (leverage) ratio | 10.8423% | 2,798 |
| Tier 1 risk-based capital ratio | 14.6258% | 3,014 |
| Total risk-based capital ratio | 14.6421% | 3,537 |
| Memoranda: | ||
| Average total assets | $220,617,500 | 2,676 |
| Average earning assets | $203,532,250 | 2,693 |
| Average equity | $23,436,750 | 2,857 |
| Average total loans | $160,757,250 | 2,526 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 3,163 |
| Cost of funding earning assets | 0.6734% | 3,309 |
| Net interest margin | 3.7821% | 2,642 |
| Noninterest income to average assets | 0.5018% | 2,663 |
| Noninterest expense to average assets | 2.5536% | 3,321 |
| Loan and lease loss provision to assets | 0.1276% | 1,462 |
| Net operating income to assets | 1.3732% | 1,506 |
| Return on assets (ROA) | 1.3732% | 1,565 |
| Pretax return on assets | 1.3770% | 2,276 |
| Return on Equity (ROE) | 14.8371% | 794 |
| Retained earnings to average equity (ytd only) | 8.1997% | 1,312 |
| Net charge-offs to loans | 0.0437% | 2,024 |
| Credit loss provision to net charge-offs | 385.7143% | 742 |
| Earnings coverage of net charge-offs (x) | 45.4857% | 1,166 |
| Efficiency ratio | 62.9250% | 3,298 |
| Assets per employee ($millions) | 5.9942% | 1,550 |
| Cash dividends to net income (ytd only)* | 44.7350% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 1,995 |
| Loan loss allowance to noncurrent loans | 107,700.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,826 |
| Noncurrent loans to loans | 0.0012% | 4,736 |
| Net loans and leases to total assets | 73.4636% | 1,971 |
| Net loans and leases to deposits | 82.9690% | 2,620 |
| Net loans and leases to core deposits | 84.9378% | 3,035 |
| Total domestic deposits to total assets | 88.5435% | 862 |
| Equity capital to assets | 9.1439% | 4,703 |
| Core capital (leverage) ratio | 9.2576% | 4,399 |
| Tier 1 risk-based capital ratio | 12.6394% | 4,050 |
| Total risk-based capital ratio | 13.8904% | 3,942 |
| Memoranda: | ||
| Average total assets | $211,625,330 | 2,766 |
| Average earning assets | $198,991,670 | 2,750 |
| Average equity | $19,586,000 | 3,189 |
| Average total loans | $160,015,000 | 2,539 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 3,122 |
| Cost of funding earning assets | 0.6214% | 3,454 |
| Net interest margin | 3.8069% | 2,502 |
| Noninterest income to average assets | 0.4958% | 2,574 |
| Noninterest expense to average assets | 2.7016% | 2,902 |
| Loan and lease loss provision to assets | 0.1162% | 1,513 |
| Net operating income to assets | 1.2491% | 1,897 |
| Return on assets (ROA) | 1.2491% | 1,940 |
| Pretax return on assets | 1.2491% | 2,633 |
| Return on Equity (ROE) | 13.4103% | 1,107 |
| Retained earnings to average equity (ytd only) | 5.0938% | 2,867 |
| Net charge-offs to loans | 0.0889% | 1,219 |
| Credit loss provision to net charge-offs | 171.4286% | 1,146 |
| Earnings coverage of net charge-offs (x) | 20.1429% | 1,569 |
| Efficiency ratio | 66.4286% | 2,878 |
| Assets per employee ($millions) | 5.5564% | 1,934 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 1,983 |
| Loan loss allowance to noncurrent loans | 51,975.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,888 |
| Noncurrent loans to loans | 0.0025% | 4,799 |
| Net loans and leases to total assets | 75.3931% | 1,583 |
| Net loans and leases to deposits | 85.6612% | 2,174 |
| Net loans and leases to core deposits | 87.5615% | 2,734 |
| Total domestic deposits to total assets | 88.0132% | 1,331 |
| Equity capital to assets | 9.4861% | 4,273 |
| Core capital (leverage) ratio | 9.5724% | 4,054 |
| Tier 1 risk-based capital ratio | 12.7469% | 4,011 |
| Total risk-based capital ratio | 13.9982% | 3,907 |
| Memoranda: | ||
| Average total assets | $206,545,000 | 2,842 |
| Average earning assets | $193,755,500 | 2,817 |
| Average equity | $19,239,000 | 3,232 |
| Average total loans | $157,479,500 | 2,596 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 2,912 |
| Cost of funding earning assets | 0.5253% | 3,205 |
| Net interest margin | 3.8297% | 2,562 |
| Noninterest income to average assets | 0.5307% | 2,655 |
| Noninterest expense to average assets | 2.8447% | 2,536 |
| Loan and lease loss provision to assets | 0.1127% | 1,956 |
| Net operating income to assets | 1.1350% | 2,451 |
| Return on assets (ROA) | 1.1350% | 2,453 |
| Pretax return on assets | 1.1390% | 3,137 |
| Return on Equity (ROE) | 12.5177% | 1,542 |
| Retained earnings to average equity (ytd only) | 9.2017% | 803 |
| Net charge-offs to loans | 0.0020% | 3,677 |
| Credit loss provision to net charge-offs | 7,500.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 832.6667% | 126 |
| Efficiency ratio | 69.4434% | 2,299 |
| Assets per employee ($millions) | 5.4607% | 1,995 |
| Cash dividends to net income (ytd only)* | 26.4901% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,033 |
| Loan loss allowance to noncurrent loans | 51,350.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,923 |
| Noncurrent loans to loans | 0.0025% | 4,819 |
| Net loans and leases to total assets | 75.0965% | 1,757 |
| Net loans and leases to deposits | 84.9904% | 2,406 |
| Net loans and leases to core deposits | 86.9907% | 2,840 |
| Total domestic deposits to total assets | 88.3588% | 1,132 |
| Equity capital to assets | 9.1448% | 4,455 |
| Core capital (leverage) ratio | 9.3604% | 4,287 |
| Tier 1 risk-based capital ratio | 12.4921% | 4,144 |
| Total risk-based capital ratio | 13.7431% | 4,008 |
| Memoranda: | ||
| Average total assets | $199,563,200 | 2,876 |
| Average earning assets | $185,808,600 | 2,864 |
| Average equity | $18,094,400 | 3,288 |
| Average total loans | $152,653,000 | 2,617 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,978 |
| Cost of funding earning assets | 0.5007% | 3,194 |
| Net interest margin | 3.7965% | 2,662 |
| Noninterest income to average assets | 0.5358% | 2,642 |
| Noninterest expense to average assets | 2.8235% | 2,561 |
| Loan and lease loss provision to assets | 0.1012% | 1,976 |
| Net operating income to assets | 1.1364% | 2,504 |
| Return on assets (ROA) | 1.1364% | 2,520 |
| Pretax return on assets | 1.1418% | 3,232 |
| Return on Equity (ROE) | 12.5617% | 1,589 |
| Retained earnings to average equity (ytd only) | 10.3239% | 817 |
| Net charge-offs to loans | 0.0053% | 3,247 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 306.9925% | 304 |
| Efficiency ratio | 69.4325% | 2,280 |
| Assets per employee ($millions) | 5.8315% | 1,621 |
| Cash dividends to net income (ytd only)* | 17.8147% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,219 |
| Loan loss allowance to noncurrent loans | 21,955.5556% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 3,963 |
| Noncurrent loans to loans | 0.0058% | 4,908 |
| Net loans and leases to total assets | 74.9443% | 1,826 |
| Net loans and leases to deposits | 84.9110% | 2,487 |
| Net loans and leases to core deposits | 86.9413% | 2,923 |
| Total domestic deposits to total assets | 88.2622% | 1,136 |
| Equity capital to assets | 9.0808% | 4,476 |
| Core capital (leverage) ratio | 9.4580% | 4,224 |
| Tier 1 risk-based capital ratio | 12.5849% | 4,165 |
| Total risk-based capital ratio | 13.8354% | 4,045 |
| Memoranda: | ||
| Average total assets | $197,577,750 | 2,917 |
| Average earning assets | $183,744,500 | 2,906 |
| Average equity | $17,874,000 | 3,333 |
| Average total loans | $151,345,500 | 2,646 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,005 |
| Cost of funding earning assets | 0.4713% | 3,215 |
| Net interest margin | 3.7606% | 2,710 |
| Noninterest income to average assets | 0.4944% | 2,891 |
| Noninterest expense to average assets | 2.8884% | 2,386 |
| Loan and lease loss provision to assets | 0.0921% | 2,082 |
| Net operating income to assets | 1.0010% | 3,014 |
| Return on assets (ROA) | 1.0010% | 3,013 |
| Pretax return on assets | 1.0010% | 3,657 |
| Return on Equity (ROE) | 11.0796% | 2,078 |
| Retained earnings to average equity (ytd only) | 7.6810% | 1,764 |
| Net charge-offs to loans | -0.0067% | 4,178 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5450% | 1,910 |
| Assets per employee ($millions) | 5.1917% | 2,200 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,399 |
| Loan loss allowance to noncurrent loans | 14,823.0769% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 3,975 |
| Noncurrent loans to loans | 0.0085% | 4,919 |
| Net loans and leases to total assets | 76.8160% | 1,510 |
| Net loans and leases to deposits | 87.1324% | 2,202 |
| Net loans and leases to core deposits | 89.2886% | 2,624 |
| Total domestic deposits to total assets | 88.1602% | 1,299 |
| Equity capital to assets | 9.0885% | 4,491 |
| Core capital (leverage) ratio | 9.3436% | 4,310 |
| Tier 1 risk-based capital ratio | 12.3038% | 4,310 |
| Total risk-based capital ratio | 13.5547% | 4,188 |
| Memoranda: | ||
| Average total assets | $195,403,330 | 2,948 |
| Average earning assets | $181,194,000 | 2,950 |
| Average equity | $17,654,000 | 3,377 |
| Average total loans | $150,148,000 | 2,662 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,072 |
| Cost of funding earning assets | 0.4449% | 3,246 |
| Net interest margin | 3.7013% | 2,792 |
| Noninterest income to average assets | 0.5348% | 2,612 |
| Noninterest expense to average assets | 2.8653% | 2,483 |
| Loan and lease loss provision to assets | 0.1234% | 1,525 |
| Net operating income to assets | 0.9688% | 2,990 |
| Return on assets (ROA) | 0.9688% | 3,018 |
| Pretax return on assets | 0.9688% | 3,639 |
| Return on Equity (ROE) | 10.7559% | 2,066 |
| Retained earnings to average equity (ytd only) | 6.1886% | 2,631 |
| Net charge-offs to loans | -0.0269% | 4,691 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4012% | 2,136 |
| Assets per employee ($millions) | 5.3259% | 2,116 |
| Cash dividends to net income (ytd only)* | 42.4628% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,290 |
| Loan loss allowance to noncurrent loans | 10,566.6667% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 2,435 |
| Noncurrent loans to loans | 0.0122% | 4,951 |
| Net loans and leases to total assets | 73.8374% | 1,886 |
| Net loans and leases to deposits | 83.8775% | 2,400 |
| Net loans and leases to core deposits | 85.9556% | 2,809 |
| Total domestic deposits to total assets | 88.0300% | 1,601 |
| Equity capital to assets | 8.9095% | 4,648 |
| Core capital (leverage) ratio | 9.3153% | 4,303 |
| Tier 1 risk-based capital ratio | 12.3465% | 4,346 |
| Total risk-based capital ratio | 13.5972% | 4,239 |
| Memoranda: | ||
| Average total assets | $194,463,500 | 2,989 |
| Average earning assets | $179,829,500 | 2,994 |
| Average equity | $17,516,000 | 3,415 |
| Average total loans | $148,486,000 | 2,705 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 2,726 |
| Cost of funding earning assets | 0.4003% | 3,253 |
| Net interest margin | 3.7897% | 2,463 |
| Noninterest income to average assets | 0.6629% | 2,127 |
| Noninterest expense to average assets | 2.9848% | 2,204 |
| Loan and lease loss provision to assets | 0.0738% | 2,732 |
| Net operating income to assets | 1.1301% | 1,755 |
| Return on assets (ROA) | 1.1574% | 1,684 |
| Pretax return on assets | 1.1596% | 2,946 |
| Return on Equity (ROE) | 12.3350% | 1,119 |
| Retained earnings to average equity (ytd only) | 6.2199% | 1,427 |
| Net charge-offs to loans | 0.0372% | 3,047 |
| Credit loss provision to net charge-offs | 259.6154% | 1,071 |
| Earnings coverage of net charge-offs (x) | 42.4423% | 1,205 |
| Efficiency ratio | 71.2218% | 2,350 |
| Assets per employee ($millions) | 4.9197% | 2,574 |
| Cash dividends to net income (ytd only)* | 49.5751% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,634 |
| Loan loss allowance to noncurrent loans | 13,085.7143% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 2,400 |
| Noncurrent loans to loans | 0.0094% | 5,003 |
| Net loans and leases to total assets | 76.9981% | 1,429 |
| Net loans and leases to deposits | 87.7880% | 2,044 |
| Net loans and leases to core deposits | 89.8718% | 2,578 |
| Total domestic deposits to total assets | 87.7092% | 1,654 |
| Equity capital to assets | 9.1079% | 4,612 |
| Core capital (leverage) ratio | 9.3064% | 4,283 |
| Tier 1 risk-based capital ratio | 11.9749% | 4,545 |
| Total risk-based capital ratio | 13.2210% | 4,436 |
| Memoranda: | ||
| Average total assets | $182,992,400 | 3,080 |
| Average earning assets | $170,357,000 | 3,068 |
| Average equity | $17,170,600 | 3,467 |
| Average total loans | $139,832,000 | 2,784 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 2,818 |
| Cost of funding earning assets | 0.3894% | 3,294 |
| Net interest margin | 3.7552% | 2,559 |
| Noninterest income to average assets | 0.7494% | 1,788 |
| Noninterest expense to average assets | 2.9347% | 2,296 |
| Loan and lease loss provision to assets | 0.0664% | 2,739 |
| Net operating income to assets | 1.2450% | 1,531 |
| Return on assets (ROA) | 1.2752% | 1,445 |
| Pretax return on assets | 1.2782% | 2,594 |
| Return on Equity (ROE) | 13.4855% | 938 |
| Retained earnings to average equity (ytd only) | 7.8308% | 1,288 |
| Net charge-offs to loans | 0.0223% | 3,020 |
| Credit loss provision to net charge-offs | 391.3043% | 778 |
| Earnings coverage of net charge-offs (x) | 77.4679% | 829 |
| Efficiency ratio | 69.0679% | 2,699 |
| Assets per employee ($millions) | 4.7956% | 2,701 |
| Cash dividends to net income (ytd only)* | 41.9316% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,461 |
| Loan loss allowance to noncurrent loans | 334.4383% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 2,310 |
| Noncurrent loans to loans | 0.3828% | 3,577 |
| Net loans and leases to total assets | 74.8701% | 1,780 |
| Net loans and leases to deposits | 85.6519% | 2,346 |
| Net loans and leases to core deposits | 87.8844% | 2,783 |
| Total domestic deposits to total assets | 87.4120% | 1,662 |
| Equity capital to assets | 9.4071% | 4,537 |
| Core capital (leverage) ratio | 9.5574% | 4,084 |
| Tier 1 risk-based capital ratio | 12.5576% | 4,281 |
| Total risk-based capital ratio | 13.8082% | 4,188 |
| Memoranda: | ||
| Average total assets | $180,773,750 | 3,132 |
| Average earning assets | $168,475,250 | 3,117 |
| Average equity | $17,094,500 | 3,513 |
| Average total loans | $137,398,500 | 2,836 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 2,793 |
| Cost of funding earning assets | 0.3720% | 3,362 |
| Net interest margin | 3.7384% | 2,519 |
| Noninterest income to average assets | 0.7689% | 1,689 |
| Noninterest expense to average assets | 2.9728% | 2,188 |
| Loan and lease loss provision to assets | 0.0672% | 2,623 |
| Net operating income to assets | 1.2110% | 1,560 |
| Return on assets (ROA) | 1.2569% | 1,439 |
| Pretax return on assets | 1.2614% | 2,528 |
| Return on Equity (ROE) | 13.2680% | 965 |
| Retained earnings to average equity (ytd only) | 8.5421% | 986 |
| Net charge-offs to loans | 0.0397% | 2,410 |
| Credit loss provision to net charge-offs | 222.2222% | 1,171 |
| Earnings coverage of net charge-offs (x) | 42.4444% | 1,205 |
| Efficiency ratio | 69.8580% | 2,694 |
| Assets per employee ($millions) | 4.6872% | 2,811 |
| Cash dividends to net income (ytd only)* | 35.6189% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,592 |
| Loan loss allowance to noncurrent loans | 312.6316% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 2,298 |
| Noncurrent loans to loans | 0.4048% | 3,578 |
| Net loans and leases to total assets | 76.0621% | 1,544 |
| Net loans and leases to deposits | 87.1393% | 2,087 |
| Net loans and leases to core deposits | 89.5399% | 2,570 |
| Total domestic deposits to total assets | 87.2879% | 1,812 |
| Equity capital to assets | 9.4736% | 4,427 |
| Core capital (leverage) ratio | 9.7050% | 3,890 |
| Tier 1 risk-based capital ratio | 12.0355% | 4,610 |
| Total risk-based capital ratio | 13.2779% | 4,500 |
| Memoranda: | ||
| Average total assets | $178,689,000 | 3,171 |
| Average earning assets | $166,650,330 | 3,155 |
| Average equity | $16,928,000 | 3,539 |
| Average total loans | $135,916,670 | 2,857 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 2,791 |
| Cost of funding earning assets | 0.3565% | 3,461 |
| Net interest margin | 3.7055% | 2,469 |
| Noninterest income to average assets | 0.6409% | 2,224 |
| Noninterest expense to average assets | 3.0187% | 2,117 |
| Loan and lease loss provision to assets | 0.0679% | 2,455 |
| Net operating income to assets | 1.0145% | 2,247 |
| Return on assets (ROA) | 1.1074% | 1,876 |
| Pretax return on assets | 1.1074% | 2,951 |
| Return on Equity (ROE) | 11.6895% | 1,338 |
| Retained earnings to average equity (ytd only) | 11.6895% | 506 |
| Net charge-offs to loans | -0.0090% | 4,376 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6057% | 2,298 |
| Assets per employee ($millions) | 4.6936% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 2,412 |
| Loan loss allowance to noncurrent loans | 386.5510% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 4,176 |
| Noncurrent loans to loans | 0.3430% | 3,877 |
| Net loans and leases to total assets | 74.3572% | 1,682 |
| Net loans and leases to deposits | 84.8737% | 2,173 |
| Net loans and leases to core deposits | 87.2634% | 2,615 |
| Total domestic deposits to total assets | 87.6092% | 1,939 |
| Equity capital to assets | 9.5381% | 4,241 |
| Core capital (leverage) ratio | 9.7654% | 3,795 |
| Tier 1 risk-based capital ratio | 12.4157% | 4,435 |
| Total risk-based capital ratio | 13.6662% | 4,339 |
| Memoranda: | ||
| Average total assets | $176,632,500 | 3,225 |
| Average earning assets | $164,942,500 | 3,207 |
| Average equity | $16,733,000 | 3,579 |
| Average total loans | $133,462,500 | 2,911 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,706 |
| Cost of funding earning assets | 0.3098% | 3,959 |
| Net interest margin | 3.8281% | 2,219 |
| Noninterest income to average assets | 0.7232% | 2,064 |
| Noninterest expense to average assets | 3.0550% | 2,161 |
| Loan and lease loss provision to assets | 0.0791% | 2,784 |
| Net operating income to assets | 1.1478% | 1,708 |
| Return on assets (ROA) | 1.1835% | 1,653 |
| Pretax return on assets | 1.1847% | 2,743 |
| Return on Equity (ROE) | 12.4920% | 1,120 |
| Retained earnings to average equity (ytd only) | 6.6199% | 1,399 |
| Net charge-offs to loans | 0.0279% | 3,473 |
| Credit loss provision to net charge-offs | 385.7143% | 817 |
| Earnings coverage of net charge-offs (x) | 59.9143% | 890 |
| Efficiency ratio | 71.3290% | 2,688 |
| Assets per employee ($millions) | 4.7272% | 2,744 |
| Cash dividends to net income (ytd only)* | 47.0064% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,431 |
| Loan loss allowance to noncurrent loans | 127.2000% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 2,386 |
| Noncurrent loans to loans | 1.0376% | 2,004 |
| Net loans and leases to total assets | 74.7666% | 1,732 |
| Net loans and leases to deposits | 86.4283% | 2,111 |
| Net loans and leases to core deposits | 88.9418% | 2,591 |
| Total domestic deposits to total assets | 86.5071% | 2,368 |
| Equity capital to assets | 9.4073% | 4,366 |
| Core capital (leverage) ratio | 9.5747% | 3,998 |
| Tier 1 risk-based capital ratio | 12.1892% | 4,586 |
| Total risk-based capital ratio | 13.4399% | 4,467 |
| Memoranda: | ||
| Average total assets | $170,767,200 | 3,279 |
| Average earning assets | $158,800,600 | 3,258 |
| Average equity | $16,178,400 | 3,670 |
| Average total loans | $125,630,400 | 2,988 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,721 |
| Cost of funding earning assets | 0.3094% | 3,984 |
| Net interest margin | 3.8306% | 2,227 |
| Noninterest income to average assets | 0.7227% | 2,068 |
| Noninterest expense to average assets | 3.0306% | 2,227 |
| Loan and lease loss provision to assets | 0.0825% | 2,559 |
| Net operating income to assets | 1.1673% | 1,737 |
| Return on assets (ROA) | 1.2152% | 1,685 |
| Pretax return on assets | 1.2168% | 2,769 |
| Return on Equity (ROE) | 12.8037% | 1,110 |
| Retained earnings to average equity (ytd only) | 7.8379% | 1,235 |
| Net charge-offs to loans | 0.0430% | 2,782 |
| Credit loss provision to net charge-offs | 262.5000% | 1,158 |
| Earnings coverage of net charge-offs (x) | 39.8266% | 1,250 |
| Efficiency ratio | 70.7760% | 2,780 |
| Assets per employee ($millions) | 4.7857% | 2,631 |
| Cash dividends to net income (ytd only)* | 38.7847% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 2,708 |
| Loan loss allowance to noncurrent loans | 137.1200% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 2,745 |
| Noncurrent loans to loans | 0.9453% | 2,353 |
| Net loans and leases to total assets | 75.7548% | 1,561 |
| Net loans and leases to deposits | 87.8670% | 2,035 |
| Net loans and leases to core deposits | 90.4683% | 2,532 |
| Total domestic deposits to total assets | 86.2154% | 2,253 |
| Equity capital to assets | 9.6647% | 4,500 |
| Core capital (leverage) ratio | 9.5190% | 4,151 |
| Tier 1 risk-based capital ratio | 12.0615% | 4,752 |
| Total risk-based capital ratio | 13.3114% | 4,654 |
| Memoranda: | ||
| Average total assets | $169,732,250 | 3,301 |
| Average earning assets | $157,710,250 | 3,284 |
| Average equity | $16,109,500 | 3,708 |
| Average total loans | $123,907,750 | 3,016 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 2,831 |
| Cost of funding earning assets | 0.3077% | 4,042 |
| Net interest margin | 3.7988% | 2,321 |
| Noninterest income to average assets | 0.6182% | 2,515 |
| Noninterest expense to average assets | 3.0246% | 2,266 |
| Loan and lease loss provision to assets | 0.0711% | 2,715 |
| Net operating income to assets | 1.0433% | 2,214 |
| Return on assets (ROA) | 1.0587% | 2,258 |
| Pretax return on assets | 1.0611% | 3,358 |
| Return on Equity (ROE) | 11.2248% | 1,564 |
| Retained earnings to average equity (ytd only) | 6.2025% | 2,015 |
| Net charge-offs to loans | 0.0594% | 2,342 |
| Credit loss provision to net charge-offs | 166.6667% | 1,481 |
| Earnings coverage of net charge-offs (x) | 26.1944% | 1,494 |
| Efficiency ratio | 73.0340% | 2,511 |
| Assets per employee ($millions) | 4.6166% | 2,843 |
| Cash dividends to net income (ytd only)* | 44.7427% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 2,449 |
| Loan loss allowance to noncurrent loans | 132.8832% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 1,660 |
| Noncurrent loans to loans | 1.0295% | 2,225 |
| Net loans and leases to total assets | 70.6163% | 2,381 |
| Net loans and leases to deposits | 81.7989% | 2,732 |
| Net loans and leases to core deposits | 84.0908% | 3,073 |
| Total domestic deposits to total assets | 86.3291% | 2,248 |
| Equity capital to assets | 9.5278% | 4,740 |
| Core capital (leverage) ratio | 9.4660% | 4,245 |
| Tier 1 risk-based capital ratio | 12.6856% | 4,396 |
| Total risk-based capital ratio | 13.9364% | 4,303 |
| Memoranda: | ||
| Average total assets | $168,881,000 | 3,326 |
| Average earning assets | $156,629,670 | 3,318 |
| Average equity | $15,929,000 | 3,744 |
| Average total loans | $121,134,000 | 3,058 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 2,606 |
| Cost of funding earning assets | 0.3059% | 4,097 |
| Net interest margin | 3.8587% | 2,076 |
| Noninterest income to average assets | 0.5693% | 2,684 |
| Noninterest expense to average assets | 3.0540% | 2,230 |
| Loan and lease loss provision to assets | 0.0715% | 2,525 |
| Net operating income to assets | 1.0148% | 2,213 |
| Return on assets (ROA) | 1.0458% | 2,211 |
| Pretax return on assets | 1.0505% | 3,273 |
| Return on Equity (ROE) | 11.1450% | 1,550 |
| Retained earnings to average equity (ytd only) | 11.1450% | 627 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6782% | 2,531 |
| Assets per employee ($millions) | 4.5726% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 2,532 |
| Loan loss allowance to noncurrent loans | 1,262.4060% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 3,325 |
| Noncurrent loans to loans | 0.1090% | 5,041 |
| Net loans and leases to total assets | 71.1168% | 2,172 |
| Net loans and leases to deposits | 82.4007% | 2,496 |
| Net loans and leases to core deposits | 84.1397% | 2,926 |
| Total domestic deposits to total assets | 86.3061% | 2,534 |
| Equity capital to assets | 9.4997% | 4,669 |
| Core capital (leverage) ratio | 9.5777% | 4,064 |
| Tier 1 risk-based capital ratio | 12.5356% | 4,550 |
| Total risk-based capital ratio | 13.7862% | 4,468 |
| Memoranda: | ||
| Average total assets | $167,913,500 | 3,359 |
| Average earning assets | $155,598,000 | 3,347 |
| Average equity | $15,756,000 | 3,772 |
| Average total loans | $120,552,500 | 3,076 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 2,479 |
| Cost of funding earning assets | 0.3042% | 4,201 |
| Net interest margin | 3.9197% | 1,966 |
| Noninterest income to average assets | 0.6609% | 2,398 |
| Noninterest expense to average assets | 2.9860% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2920% | 1,288 |
| Return on assets (ROA) | 1.2901% | 1,339 |
| Pretax return on assets | 1.2901% | 2,324 |
| Return on Equity (ROE) | 13.7737% | 891 |
| Retained earnings to average equity (ytd only) | 7.1294% | 1,227 |
| Net charge-offs to loans | 0.0027% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 692.0000% | 94 |
| Efficiency ratio | 69.7992% | 3,254 |
| Assets per employee ($millions) | 4.7612% | 2,660 |
| Cash dividends to net income (ytd only)* | 48.2393% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,501 |
| Loan loss allowance to noncurrent loans | 1,161.2676% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 3,299 |
| Noncurrent loans to loans | 0.1192% | 5,017 |
| Net loans and leases to total assets | 70.4852% | 2,292 |
| Net loans and leases to deposits | 81.5409% | 2,648 |
| Net loans and leases to core deposits | 83.2262% | 3,028 |
| Total domestic deposits to total assets | 86.4416% | 2,412 |
| Equity capital to assets | 9.2654% | 4,826 |
| Core capital (leverage) ratio | 9.4973% | 4,170 |
| Tier 1 risk-based capital ratio | 12.4674% | 4,654 |
| Total risk-based capital ratio | 13.7183% | 4,541 |
| Memoranda: | ||
| Average total assets | $160,685,200 | 3,420 |
| Average earning assets | $148,276,800 | 3,429 |
| Average equity | $15,050,400 | 3,831 |
| Average total loans | $112,868,800 | 3,155 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 2,431 |
| Cost of funding earning assets | 0.3035% | 4,299 |
| Net interest margin | 3.9401% | 1,898 |
| Noninterest income to average assets | 0.6742% | 2,361 |
| Noninterest expense to average assets | 2.9012% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4045% | 1,100 |
| Return on assets (ROA) | 1.4020% | 1,148 |
| Pretax return on assets | 1.4020% | 2,004 |
| Return on Equity (ROE) | 14.9264% | 735 |
| Retained earnings to average equity (ytd only) | 10.6910% | 522 |
| Net charge-offs to loans | 0.0024% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 837.4307% | 89 |
| Efficiency ratio | 67.3799% | 3,652 |
| Assets per employee ($millions) | 4.7220% | 2,665 |
| Cash dividends to net income (ytd only)* | 28.3753% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 2,395 |
| Loan loss allowance to noncurrent loans | 1,107.3826% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 3,403 |
| Noncurrent loans to loans | 0.1303% | 5,110 |
| Net loans and leases to total assets | 70.1765% | 2,361 |
| Net loans and leases to deposits | 81.7933% | 2,665 |
| Net loans and leases to core deposits | 83.5623% | 3,090 |
| Total domestic deposits to total assets | 85.7974% | 2,645 |
| Equity capital to assets | 9.7933% | 4,403 |
| Core capital (leverage) ratio | 9.7216% | 4,007 |
| Tier 1 risk-based capital ratio | 12.9573% | 4,447 |
| Total risk-based capital ratio | 14.2084% | 4,375 |
| Memoranda: | ||
| Average total assets | $159,196,000 | 3,467 |
| Average earning assets | $146,728,750 | 3,479 |
| Average equity | $14,953,000 | 3,884 |
| Average total loans | $111,309,250 | 3,207 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,831 |
| Cost of funding earning assets | 0.2993% | 4,405 |
| Net interest margin | 3.8200% | 2,244 |
| Noninterest income to average assets | 0.6413% | 2,522 |
| Noninterest expense to average assets | 2.9015% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2611% | 1,421 |
| Return on assets (ROA) | 1.2611% | 1,477 |
| Pretax return on assets | 1.2611% | 2,506 |
| Return on Equity (ROE) | 13.6224% | 979 |
| Retained earnings to average equity (ytd only) | 7.1582% | 1,637 |
| Net charge-offs to loans | 0.0073% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 250.2500% | 276 |
| Efficiency ratio | 69.7034% | 3,379 |
| Assets per employee ($millions) | 4.6508% | 2,745 |
| Cash dividends to net income (ytd only)* | 47.4525% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 2,527 |
| Loan loss allowance to noncurrent loans | 819.9005% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 3,411 |
| Noncurrent loans to loans | 0.1764% | 5,067 |
| Net loans and leases to total assets | 71.0250% | 2,161 |
| Net loans and leases to deposits | 82.4425% | 2,499 |
| Net loans and leases to core deposits | 83.9932% | 2,982 |
| Total domestic deposits to total assets | 86.1509% | 2,609 |
| Equity capital to assets | 9.3773% | 4,813 |
| Core capital (leverage) ratio | 9.3166% | 4,529 |
| Tier 1 risk-based capital ratio | 12.7139% | 4,674 |
| Total risk-based capital ratio | 13.9655% | 4,596 |
| Memoranda: | ||
| Average total assets | $158,745,330 | 3,506 |
| Average earning assets | $146,335,670 | 3,515 |
| Average equity | $14,696,330 | 3,937 |
| Average total loans | $110,306,670 | 3,246 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 2,855 |
| Cost of funding earning assets | 0.2950% | 4,497 |
| Net interest margin | 3.7992% | 2,237 |
| Noninterest income to average assets | 0.5885% | 2,709 |
| Noninterest expense to average assets | 2.9197% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1669% | 1,645 |
| Return on assets (ROA) | 1.1669% | 1,749 |
| Pretax return on assets | 1.1669% | 2,800 |
| Return on Equity (ROE) | 12.6858% | 1,168 |
| Retained earnings to average equity (ytd only) | 12.6858% | 483 |
| Net charge-offs to loans | 0.0221% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 610 |
| Efficiency ratio | 71.4462% | 3,260 |
| Assets per employee ($millions) | 4.8500% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 2,362 |
| Loan loss allowance to noncurrent loans | 655.7769% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 3,428 |
| Noncurrent loans to loans | 0.2320% | 4,945 |
| Net loans and leases to total assets | 66.5738% | 2,675 |
| Net loans and leases to deposits | 77.1998% | 2,925 |
| Net loans and leases to core deposits | 78.7216% | 3,305 |
| Total domestic deposits to total assets | 86.2356% | 2,810 |
| Equity capital to assets | 9.3476% | 4,909 |
| Core capital (leverage) ratio | 9.3879% | 4,451 |
| Tier 1 risk-based capital ratio | 13.0375% | 4,584 |
| Total risk-based capital ratio | 14.2895% | 4,495 |
| Memoranda: | ||
| Average total assets | $159,055,000 | 3,522 |
| Average earning assets | $146,450,000 | 3,527 |
| Average equity | $14,630,500 | 3,973 |
| Average total loans | $108,481,500 | 3,288 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 3,200 |
| Cost of funding earning assets | 0.2909% | 4,880 |
| Net interest margin | 3.8408% | 2,464 |
| Noninterest income to average assets | 0.7095% | 2,261 |
| Noninterest expense to average assets | 2.9918% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2219% | 1,518 |
| Return on assets (ROA) | 1.2265% | 1,560 |
| Pretax return on assets | 1.2265% | 2,541 |
| Return on Equity (ROE) | 13.6829% | 998 |
| Retained earnings to average equity (ytd only) | 7.6366% | 1,146 |
| Net charge-offs to loans | -0.0420% | 5,873 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0009% | 3,375 |
| Assets per employee ($millions) | 4.7897% | 2,608 |
| Cash dividends to net income (ytd only)* | 44.1885% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 2,390 |
| Loan loss allowance to noncurrent loans | 628.1369% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 3,461 |
| Noncurrent loans to loans | 0.2418% | 4,964 |
| Net loans and leases to total assets | 67.7677% | 2,594 |
| Net loans and leases to deposits | 78.3826% | 2,928 |
| Net loans and leases to core deposits | 80.2898% | 3,261 |
| Total domestic deposits to total assets | 86.4576% | 2,596 |
| Equity capital to assets | 9.0473% | 5,236 |
| Core capital (leverage) ratio | 9.2265% | 4,640 |
| Tier 1 risk-based capital ratio | 13.1317% | 4,636 |
| Total risk-based capital ratio | 14.3815% | 4,558 |
| Memoranda: | ||
| Average total assets | $152,216,600 | 3,596 |
| Average earning assets | $138,878,000 | 3,619 |
| Average equity | $13,644,800 | 4,079 |
| Average total loans | $102,269,000 | 3,374 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1428% | 3,198 |
| Cost of funding earning assets | 0.2895% | 4,994 |
| Net interest margin | 3.8533% | 2,423 |
| Noninterest income to average assets | 0.7429% | 2,125 |
| Noninterest expense to average assets | 2.9442% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3063% | 1,352 |
| Return on assets (ROA) | 1.3125% | 1,394 |
| Pretax return on assets | 1.3125% | 2,328 |
| Return on Equity (ROE) | 14.6771% | 883 |
| Retained earnings to average equity (ytd only) | 10.7210% | 558 |
| Net charge-offs to loans | -0.0556% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2676% | 3,632 |
| Assets per employee ($millions) | 4.4726% | 3,018 |
| Cash dividends to net income (ytd only)* | 26.9541% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 2,368 |
| Loan loss allowance to noncurrent loans | 598.1884% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 3,591 |
| Noncurrent loans to loans | 0.2643% | 5,117 |
| Net loans and leases to total assets | 67.5827% | 2,601 |
| Net loans and leases to deposits | 78.6039% | 2,879 |
| Net loans and leases to core deposits | 80.8078% | 3,214 |
| Total domestic deposits to total assets | 85.9788% | 2,852 |
| Equity capital to assets | 9.3470% | 4,981 |
| Core capital (leverage) ratio | 9.6068% | 4,231 |
| Tier 1 risk-based capital ratio | 13.6460% | 4,449 |
| Total risk-based capital ratio | 14.8992% | 4,386 |
| Memoranda: | ||
| Average total assets | $150,756,000 | 3,648 |
| Average earning assets | $137,231,000 | 3,669 |
| Average equity | $13,481,000 | 4,136 |
| Average total loans | $100,645,000 | 3,435 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,236 |
| Cost of funding earning assets | 0.2869% | 5,110 |
| Net interest margin | 3.8409% | 2,408 |
| Noninterest income to average assets | 0.7611% | 2,004 |
| Noninterest expense to average assets | 2.9591% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2933% | 1,332 |
| Return on assets (ROA) | 1.2999% | 1,356 |
| Pretax return on assets | 1.2999% | 2,249 |
| Return on Equity (ROE) | 14.7620% | 831 |
| Retained earnings to average equity (ytd only) | 13.2511% | 318 |
| Net charge-offs to loans | -0.0543% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5870% | 3,724 |
| Assets per employee ($millions) | 4.3456% | 3,180 |
| Cash dividends to net income (ytd only)* | 10.2354% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 2,456 |
| Loan loss allowance to noncurrent loans | 592.7536% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.8345% | 3,476 |
| Noncurrent loans to loans | 0.2700% | 5,206 |
| Net loans and leases to total assets | 68.0740% | 2,402 |
| Net loans and leases to deposits | 78.1908% | 2,775 |
| Net loans and leases to core deposits | 80.4196% | 3,163 |
| Total domestic deposits to total assets | 87.0613% | 2,422 |
| Equity capital to assets | 9.4957% | 4,755 |
| Core capital (leverage) ratio | 9.5353% | 4,273 |
| Tier 1 risk-based capital ratio | 13.6730% | 4,473 |
| Total risk-based capital ratio | 14.9268% | 4,421 |
| Memoranda: | ||
| Average total assets | $150,318,000 | 3,673 |
| Average earning assets | $136,634,330 | 3,697 |
| Average equity | $13,236,670 | 4,179 |
| Average total loans | $99,385,330 | 3,465 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 3,481 |
| Cost of funding earning assets | 0.2850% | 5,218 |
| Net interest margin | 3.7638% | 2,622 |
| Noninterest income to average assets | 0.5251% | 3,228 |
| Noninterest expense to average assets | 2.8337% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1055% | 1,797 |
| Return on assets (ROA) | 1.1055% | 1,854 |
| Pretax return on assets | 1.1055% | 2,882 |
| Return on Equity (ROE) | 13.0530% | 1,147 |
| Retained earnings to average equity (ytd only) | 9.9377% | 981 |
| Net charge-offs to loans | -0.0898% | 6,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9357% | 3,496 |
| Assets per employee ($millions) | 4.4256% | 3,095 |
| Cash dividends to net income (ytd only)* | 23.8663% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 2,413 |
| Loan loss allowance to noncurrent loans | 322.9703% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 2,721 |
| Noncurrent loans to loans | 0.5207% | 4,613 |
| Net loans and leases to total assets | 63.3714% | 3,001 |
| Net loans and leases to deposits | 72.0830% | 3,329 |
| Net loans and leases to core deposits | 73.7910% | 3,669 |
| Total domestic deposits to total assets | 87.9145% | 2,280 |
| Equity capital to assets | 8.7213% | 5,430 |
| Core capital (leverage) ratio | 9.1014% | 4,868 |
| Tier 1 risk-based capital ratio | 14.2681% | 4,152 |
| Total risk-based capital ratio | 15.5235% | 4,098 |
| Memoranda: | ||
| Average total assets | $151,601,500 | 3,683 |
| Average earning assets | $137,522,000 | 3,707 |
| Average equity | $12,840,000 | 4,265 |
| Average total loans | $97,970,000 | 3,517 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 3,298 |
| Cost of funding earning assets | 0.3162% | 5,455 |
| Net interest margin | 3.8981% | 2,293 |
| Noninterest income to average assets | 0.7725% | 2,197 |
| Noninterest expense to average assets | 3.2542% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0530% | 2,103 |
| Return on assets (ROA) | 1.1137% | 1,957 |
| Pretax return on assets | 1.1137% | 2,906 |
| Return on Equity (ROE) | 12.7288% | 1,229 |
| Retained earnings to average equity (ytd only) | 8.5541% | 891 |
| Net charge-offs to loans | -0.1591% | 6,580 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5520% | 2,851 |
| Assets per employee ($millions) | 4.4921% | 2,914 |
| Cash dividends to net income (ytd only)* | 32.7970% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 2,661 |
| Loan loss allowance to noncurrent loans | 379.4811% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 3,159 |
| Noncurrent loans to loans | 0.4285% | 4,924 |
| Net loans and leases to total assets | 63.7354% | 3,086 |
| Net loans and leases to deposits | 72.0450% | 3,515 |
| Net loans and leases to core deposits | 73.8542% | 3,854 |
| Total domestic deposits to total assets | 88.4661% | 1,919 |
| Equity capital to assets | 8.2215% | 5,856 |
| Core capital (leverage) ratio | 8.9916% | 5,022 |
| Tier 1 risk-based capital ratio | 13.4027% | 4,719 |
| Total risk-based capital ratio | 14.6574% | 4,662 |
| Memoranda: | ||
| Average total assets | $145,104,000 | 3,784 |
| Average earning assets | $131,576,400 | 3,808 |
| Average equity | $12,695,600 | 4,314 |
| Average total loans | $93,043,400 | 3,618 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 3,227 |
| Cost of funding earning assets | 0.3272% | 5,491 |
| Net interest margin | 3.9148% | 2,219 |
| Noninterest income to average assets | 0.8538% | 1,920 |
| Noninterest expense to average assets | 3.2132% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1946% | 1,655 |
| Return on assets (ROA) | 1.2765% | 1,480 |
| Pretax return on assets | 1.2765% | 2,423 |
| Return on Equity (ROE) | 14.3591% | 915 |
| Retained earnings to average equity (ytd only) | 11.1647% | 551 |
| Net charge-offs to loans | -0.2417% | 6,686 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8982% | 3,241 |
| Assets per employee ($millions) | 4.4856% | 2,906 |
| Cash dividends to net income (ytd only)* | 22.2468% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 2,730 |
| Loan loss allowance to noncurrent loans | 369.5455% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.0958% | 3,465 |
| Noncurrent loans to loans | 0.4518% | 5,064 |
| Net loans and leases to total assets | 64.7003% | 2,873 |
| Net loans and leases to deposits | 73.5949% | 3,297 |
| Net loans and leases to core deposits | 74.7921% | 3,758 |
| Total domestic deposits to total assets | 87.9141% | 2,183 |
| Equity capital to assets | 8.6520% | 5,565 |
| Core capital (leverage) ratio | 9.2070% | 4,822 |
| Tier 1 risk-based capital ratio | 13.5903% | 4,696 |
| Total risk-based capital ratio | 14.8430% | 4,654 |
| Memoranda: | ||
| Average total assets | $143,196,750 | 3,863 |
| Average earning assets | $130,000,750 | 3,883 |
| Average equity | $12,730,250 | 4,360 |
| Average total loans | $91,565,750 | 3,676 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 3,398 |
| Cost of funding earning assets | 0.3364% | 5,511 |
| Net interest margin | 3.8567% | 2,352 |
| Noninterest income to average assets | 0.8278% | 2,075 |
| Noninterest expense to average assets | 3.2234% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1187% | 1,870 |
| Return on assets (ROA) | 1.2430% | 1,568 |
| Pretax return on assets | 1.2430% | 2,502 |
| Return on Equity (ROE) | 13.8532% | 1,046 |
| Retained earnings to average equity (ytd only) | 12.2002% | 460 |
| Net charge-offs to loans | -0.3883% | 6,794 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2355% | 3,083 |
| Assets per employee ($millions) | 4.2147% | 3,323 |
| Cash dividends to net income (ytd only)* | 11.9318% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 2,597 |
| Loan loss allowance to noncurrent loans | 347.1338% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1954% | 3,351 |
| Noncurrent loans to loans | 0.5042% | 5,007 |
| Net loans and leases to total assets | 64.0479% | 2,907 |
| Net loans and leases to deposits | 72.8777% | 3,324 |
| Net loans and leases to core deposits | 74.1004% | 3,800 |
| Total domestic deposits to total assets | 87.8841% | 2,326 |
| Equity capital to assets | 8.5814% | 5,685 |
| Core capital (leverage) ratio | 9.1691% | 4,733 |
| Tier 1 risk-based capital ratio | 13.6378% | 4,683 |
| Total risk-based capital ratio | 14.8592% | 4,666 |
| Memoranda: | ||
| Average total assets | $141,587,670 | 3,918 |
| Average earning assets | $129,022,330 | 3,920 |
| Average equity | $12,704,670 | 4,394 |
| Average total loans | $89,621,670 | 3,733 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,554 |
| Cost of funding earning assets | 0.3466% | 5,569 |
| Net interest margin | 3.7943% | 2,471 |
| Noninterest income to average assets | 1.0005% | 1,457 |
| Noninterest expense to average assets | 3.3624% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0914% | 1,893 |
| Return on assets (ROA) | 1.2534% | 1,497 |
| Pretax return on assets | 1.2534% | 2,400 |
| Return on Equity (ROE) | 13.6654% | 1,021 |
| Retained earnings to average equity (ytd only) | 13.6654% | 483 |
| Net charge-offs to loans | -0.1277% | 6,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4946% | 3,010 |
| Assets per employee ($millions) | 4.2116% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 2,981 |
| Loan loss allowance to noncurrent loans | 273.2110% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 1.3269% | 3,304 |
| Noncurrent loans to loans | 0.6246% | 4,882 |
| Net loans and leases to total assets | 59.8990% | 3,444 |
| Net loans and leases to deposits | 68.5559% | 3,700 |
| Net loans and leases to core deposits | 69.7109% | 4,120 |
| Total domestic deposits to total assets | 87.3726% | 2,709 |
| Equity capital to assets | 9.0973% | 5,367 |
| Core capital (leverage) ratio | 9.1801% | 4,598 |
| Tier 1 risk-based capital ratio | 13.9422% | 4,548 |
| Total risk-based capital ratio | 15.1665% | 4,524 |
| Memoranda: | ||
| Average total assets | $140,732,000 | 3,969 |
| Average earning assets | $128,088,500 | 3,981 |
| Average equity | $12,908,500 | 4,397 |
| Average total loans | $87,725,000 | 3,796 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 3,386 |
| Cost of funding earning assets | 0.5328% | 4,971 |
| Net interest margin | 3.9676% | 2,539 |
| Noninterest income to average assets | 0.8881% | 1,902 |
| Noninterest expense to average assets | 3.5532% | 1,712 |
| Loan and lease loss provision to assets | 0.2490% | 2,662 |
| Net operating income to assets | 0.6353% | 4,061 |
| Return on assets (ROA) | 0.7236% | 3,878 |
| Pretax return on assets | 0.7251% | 4,575 |
| Return on Equity (ROE) | 7.5815% | 3,301 |
| Retained earnings to average equity (ytd only) | 4.5774% | 3,002 |
| Net charge-offs to loans | 0.2189% | 3,637 |
| Credit loss provision to net charge-offs | 185.3933% | 1,417 |
| Earnings coverage of net charge-offs (x) | 6.5955% | 2,782 |
| Efficiency ratio | 80.0442% | 2,141 |
| Assets per employee ($millions) | 3.8408% | 4,288 |
| Cash dividends to net income (ytd only)* | 39.6246% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,096 |
| Loan loss allowance to noncurrent loans | 166.0227% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 2,969 |
| Noncurrent loans to loans | 0.9979% | 4,194 |
| Net loans and leases to total assets | 62.7238% | 3,114 |
| Net loans and leases to deposits | 69.1448% | 3,817 |
| Net loans and leases to core deposits | 70.4559% | 4,239 |
| Total domestic deposits to total assets | 90.7137% | 607 |
| Equity capital to assets | 9.2502% | 5,208 |
| Core capital (leverage) ratio | 9.0509% | 4,815 |
| Tier 1 risk-based capital ratio | 14.0041% | 4,382 |
| Total risk-based capital ratio | 15.2564% | 4,343 |
| Memoranda: | ||
| Average total assets | $132,527,800 | 4,096 |
| Average earning assets | $118,609,600 | 4,137 |
| Average equity | $12,649,200 | 4,431 |
| Average total loans | $81,304,200 | 3,998 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 3,346 |
| Cost of funding earning assets | 0.5722% | 4,895 |
| Net interest margin | 3.9951% | 2,519 |
| Noninterest income to average assets | 0.8177% | 2,164 |
| Noninterest expense to average assets | 3.4540% | 1,875 |
| Loan and lease loss provision to assets | 0.2848% | 2,288 |
| Net operating income to assets | 0.6418% | 4,185 |
| Return on assets (ROA) | 0.7608% | 3,893 |
| Pretax return on assets | 0.7628% | 4,622 |
| Return on Equity (ROE) | 7.9064% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.9064% | 1,650 |
| Net charge-offs to loans | 0.1726% | 3,721 |
| Credit loss provision to net charge-offs | 271.8447% | 1,000 |
| Earnings coverage of net charge-offs (x) | 8.8641% | 2,388 |
| Efficiency ratio | 78.8118% | 2,261 |
| Assets per employee ($millions) | 3.7808% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 2,775 |
| Loan loss allowance to noncurrent loans | 255.7659% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 1.9683% | 2,693 |
| Noncurrent loans to loans | 0.7064% | 5,028 |
| Net loans and leases to total assets | 59.3401% | 3,902 |
| Net loans and leases to deposits | 65.7072% | 4,502 |
| Net loans and leases to core deposits | 67.4033% | 4,789 |
| Total domestic deposits to total assets | 90.3098% | 675 |
| Equity capital to assets | 9.6329% | 5,016 |
| Core capital (leverage) ratio | 9.3768% | 4,469 |
| Tier 1 risk-based capital ratio | 15.0942% | 3,779 |
| Total risk-based capital ratio | 16.3529% | 3,727 |
| Memoranda: | ||
| Average total assets | $131,092,750 | 4,154 |
| Average earning assets | $116,974,000 | 4,228 |
| Average equity | $12,614,000 | 4,476 |
| Average total loans | $79,583,250 | 4,093 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 3,435 |
| Cost of funding earning assets | 0.5999% | 4,905 |
| Net interest margin | 3.9836% | 2,576 |
| Noninterest income to average assets | 0.8268% | 2,068 |
| Noninterest expense to average assets | 3.5311% | 1,720 |
| Loan and lease loss provision to assets | 0.3245% | 2,027 |
| Net operating income to assets | 0.5084% | 4,782 |
| Return on assets (ROA) | 0.6784% | 4,250 |
| Pretax return on assets | 0.6815% | 4,882 |
| Return on Equity (ROE) | 7.0532% | 3,752 |
| Retained earnings to average equity (ytd only) | 7.0532% | 2,075 |
| Net charge-offs to loans | 0.2592% | 3,022 |
| Credit loss provision to net charge-offs | 205.8824% | 1,378 |
| Earnings coverage of net charge-offs (x) | 5.3039% | 2,861 |
| Efficiency ratio | 80.8563% | 2,055 |
| Assets per employee ($millions) | 3.5396% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 2,943 |
| Loan loss allowance to noncurrent loans | 235.7737% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 3.1298% | 1,742 |
| Noncurrent loans to loans | 0.7527% | 5,005 |
| Net loans and leases to total assets | 59.8820% | 3,844 |
| Net loans and leases to deposits | 66.3225% | 4,468 |
| Net loans and leases to core deposits | 68.0974% | 4,773 |
| Total domestic deposits to total assets | 90.2891% | 771 |
| Equity capital to assets | 9.6514% | 4,831 |
| Core capital (leverage) ratio | 9.2262% | 4,563 |
| Tier 1 risk-based capital ratio | 14.6246% | 4,019 |
| Total risk-based capital ratio | 15.8800% | 3,977 |
| Memoranda: | ||
| Average total assets | $129,421,330 | 4,223 |
| Average earning assets | $115,023,000 | 4,290 |
| Average equity | $12,448,330 | 4,516 |
| Average total loans | $78,693,670 | 4,136 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 3,494 |
| Cost of funding earning assets | 0.6171% | 4,988 |
| Net interest margin | 3.9850% | 2,570 |
| Noninterest income to average assets | 0.8115% | 2,113 |
| Noninterest expense to average assets | 3.6285% | 1,501 |
| Loan and lease loss provision to assets | 0.3265% | 1,917 |
| Net operating income to assets | 0.4042% | 5,236 |
| Return on assets (ROA) | 0.4042% | 5,421 |
| Pretax return on assets | 0.4104% | 5,690 |
| Return on Equity (ROE) | 4.2097% | 5,194 |
| Retained earnings to average equity (ytd only) | 4.2097% | 4,066 |
| Net charge-offs to loans | -0.1331% | 6,883 |
| Credit loss provision to net charge-offs | -403.8462% | 5,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1197% | 1,785 |
| Assets per employee ($millions) | 3.5427% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 2,780 |
| Loan loss allowance to noncurrent loans | 70.7965% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 3.3728% | 1,709 |
| Noncurrent loans to loans | 2.6378% | 2,466 |
| Net loans and leases to total assets | 57.7278% | 4,079 |
| Net loans and leases to deposits | 63.8584% | 4,658 |
| Net loans and leases to core deposits | 65.5580% | 4,967 |
| Total domestic deposits to total assets | 90.3997% | 867 |
| Equity capital to assets | 9.5027% | 4,805 |
| Core capital (leverage) ratio | 9.2845% | 4,389 |
| Tier 1 risk-based capital ratio | 14.8034% | 3,889 |
| Total risk-based capital ratio | 16.0598% | 3,845 |
| Memoranda: | ||
| Average total assets | $128,649,000 | 4,263 |
| Average earning assets | $114,730,500 | 4,315 |
| Average equity | $12,352,500 | 4,542 |
| Average total loans | $78,119,500 | 4,178 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 3,377 |
| Cost of funding earning assets | 0.8026% | 4,846 |
| Net interest margin | 4.0939% | 2,452 |
| Noninterest income to average assets | 0.8970% | 1,679 |
| Noninterest expense to average assets | 3.4206% | 2,192 |
| Loan and lease loss provision to assets | 0.4782% | 2,212 |
| Net operating income to assets | 0.6813% | 3,573 |
| Return on assets (ROA) | 0.6860% | 3,739 |
| Pretax return on assets | 0.6876% | 4,373 |
| Return on Equity (ROE) | 7.6991% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.6991% | 1,192 |
| Net charge-offs to loans | 1.1674% | 1,452 |
| Credit loss provision to net charge-offs | 63.4172% | 5,071 |
| Earnings coverage of net charge-offs (x) | 1.5398% | 4,619 |
| Efficiency ratio | 74.6593% | 3,112 |
| Assets per employee ($millions) | 3.5061% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 3,360 |
| Loan loss allowance to noncurrent loans | 54.4283% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 3.3569% | 1,766 |
| Noncurrent loans to loans | 3.0393% | 2,134 |
| Net loans and leases to total assets | 61.6555% | 3,669 |
| Net loans and leases to deposits | 68.3558% | 4,389 |
| Net loans and leases to core deposits | 70.4090% | 4,730 |
| Total domestic deposits to total assets | 90.1980% | 883 |
| Equity capital to assets | 9.7046% | 4,586 |
| Core capital (leverage) ratio | 9.1891% | 4,481 |
| Tier 1 risk-based capital ratio | 14.5375% | 3,946 |
| Total risk-based capital ratio | 15.7912% | 3,915 |
| Memoranda: | ||
| Average total assets | $126,527,600 | 4,239 |
| Average earning assets | $113,876,800 | 4,284 |
| Average equity | $11,274,000 | 4,723 |
| Average total loans | $81,721,400 | 4,092 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 3,371 |
| Cost of funding earning assets | 0.8345% | 4,906 |
| Net interest margin | 4.1082% | 2,441 |
| Noninterest income to average assets | 0.8562% | 1,815 |
| Noninterest expense to average assets | 3.3742% | 2,267 |
| Loan and lease loss provision to assets | 0.4265% | 2,340 |
| Net operating income to assets | 0.7604% | 3,340 |
| Return on assets (ROA) | 0.7604% | 3,499 |
| Pretax return on assets | 0.7625% | 4,268 |
| Return on Equity (ROE) | 8.7273% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.7273% | 1,242 |
| Net charge-offs to loans | 0.4565% | 2,910 |
| Credit loss provision to net charge-offs | 143.6170% | 2,212 |
| Earnings coverage of net charge-offs (x) | 4.0036% | 3,219 |
| Efficiency ratio | 73.9441% | 3,193 |
| Assets per employee ($millions) | 3.6094% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 1,793 |
| Loan loss allowance to noncurrent loans | 51.7733% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 4.7699% | 1,229 |
| Noncurrent loans to loans | 4.3350% | 1,508 |
| Net loans and leases to total assets | 59.6991% | 4,190 |
| Net loans and leases to deposits | 65.9180% | 4,917 |
| Net loans and leases to core deposits | 67.9773% | 5,180 |
| Total domestic deposits to total assets | 90.5656% | 601 |
| Equity capital to assets | 9.3012% | 5,380 |
| Core capital (leverage) ratio | 8.9855% | 4,961 |
| Tier 1 risk-based capital ratio | 14.3226% | 4,111 |
| Total risk-based capital ratio | 15.5312% | 4,100 |
| Memoranda: | ||
| Average total assets | $126,604,750 | 4,258 |
| Average earning assets | $114,241,250 | 4,300 |
| Average equity | $11,030,250 | 4,795 |
| Average total loans | $82,369,250 | 4,111 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 3,214 |
| Cost of funding earning assets | 0.8694% | 4,909 |
| Net interest margin | 4.1186% | 2,342 |
| Noninterest income to average assets | 0.9403% | 1,495 |
| Noninterest expense to average assets | 3.5269% | 1,915 |
| Loan and lease loss provision to assets | 0.4303% | 2,274 |
| Net operating income to assets | 0.7172% | 3,457 |
| Return on assets (ROA) | 0.7172% | 3,568 |
| Pretax return on assets | 0.7204% | 4,316 |
| Return on Equity (ROE) | 8.4283% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.4283% | 1,291 |
| Net charge-offs to loans | 0.5109% | 2,569 |
| Credit loss provision to net charge-offs | 126.7606% | 2,413 |
| Earnings coverage of net charge-offs (x) | 3.3897% | 3,190 |
| Efficiency ratio | 75.4003% | 3,119 |
| Assets per employee ($millions) | 3.4741% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 2,052 |
| Loan loss allowance to noncurrent loans | 48.0661% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 5.0580% | 1,206 |
| Noncurrent loans to loans | 4.4365% | 1,505 |
| Net loans and leases to total assets | 62.9330% | 3,691 |
| Net loans and leases to deposits | 69.2617% | 4,528 |
| Net loans and leases to core deposits | 71.4964% | 4,887 |
| Total domestic deposits to total assets | 90.8626% | 560 |
| Equity capital to assets | 8.9895% | 5,592 |
| Core capital (leverage) ratio | 8.7327% | 5,171 |
| Tier 1 risk-based capital ratio | 13.3774% | 4,629 |
| Total risk-based capital ratio | 14.5847% | 4,643 |
| Memoranda: | ||
| Average total assets | $125,493,000 | 4,314 |
| Average earning assets | $113,874,670 | 4,334 |
| Average equity | $10,678,330 | 4,877 |
| Average total loans | $83,374,330 | 4,114 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 3,232 |
| Cost of funding earning assets | 0.9023% | 4,902 |
| Net interest margin | 4.0710% | 2,384 |
| Noninterest income to average assets | 1.1264% | 1,032 |
| Noninterest expense to average assets | 3.5830% | 1,808 |
| Loan and lease loss provision to assets | 0.3818% | 2,274 |
| Net operating income to assets | 0.8592% | 2,741 |
| Return on assets (ROA) | 0.8592% | 2,804 |
| Pretax return on assets | 0.8655% | 3,641 |
| Return on Equity (ROE) | 10.3886% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.3886% | 1,027 |
| Net charge-offs to loans | -0.0660% | 6,975 |
| Credit loss provision to net charge-offs | -857.1429% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1765% | 3,484 |
| Assets per employee ($millions) | 3.5079% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1641% | 2,044 |
| Loan loss allowance to noncurrent loans | 45.5864% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 4.1042% | 1,620 |
| Noncurrent loans to loans | 4.7473% | 1,448 |
| Net loans and leases to total assets | 64.1509% | 3,412 |
| Net loans and leases to deposits | 70.1557% | 4,325 |
| Net loans and leases to core deposits | 72.8980% | 4,662 |
| Total domestic deposits to total assets | 91.4408% | 431 |
| Equity capital to assets | 8.3731% | 6,081 |
| Core capital (leverage) ratio | 8.6492% | 5,171 |
| Tier 1 risk-based capital ratio | 13.2067% | 4,660 |
| Total risk-based capital ratio | 14.4686% | 4,633 |
| Memoranda: | ||
| Average total assets | $125,705,500 | 4,341 |
| Average earning assets | $114,369,500 | 4,345 |
| Average equity | $10,396,000 | 4,943 |
| Average total loans | $84,849,500 | 4,114 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2490% | 3,366 |
| Cost of funding earning assets | 1.1776% | 4,689 |
| Net interest margin | 4.0714% | 2,701 |
| Noninterest income to average assets | 0.6686% | 3,029 |
| Noninterest expense to average assets | 3.7374% | 1,611 |
| Loan and lease loss provision to assets | 0.8033% | 2,027 |
| Net operating income to assets | -0.2534% | 6,170 |
| Return on assets (ROA) | -0.1506% | 6,109 |
| Pretax return on assets | -0.1490% | 6,046 |
| Return on Equity (ROE) | -1.7727% | 6,145 |
| Retained earnings to average equity (ytd only) | -1.7727% | 5,928 |
| Net charge-offs to loans | 0.7567% | 2,749 |
| Credit loss provision to net charge-offs | 150.6726% | 2,398 |
| Earnings coverage of net charge-offs (x) | 1.0344% | 5,077 |
| Efficiency ratio | 87.1423% | 1,561 |
| Assets per employee ($millions) | 3.4757% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 2,542 |
| Loan loss allowance to noncurrent loans | 38.9476% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 4.5210% | 1,479 |
| Noncurrent loans to loans | 4.8991% | 1,399 |
| Net loans and leases to total assets | 68.1201% | 2,959 |
| Net loans and leases to deposits | 74.3374% | 4,138 |
| Net loans and leases to core deposits | 77.4317% | 4,529 |
| Total domestic deposits to total assets | 91.6364% | 360 |
| Equity capital to assets | 8.1662% | 6,302 |
| Core capital (leverage) ratio | 8.3432% | 5,620 |
| Tier 1 risk-based capital ratio | 12.3489% | 5,163 |
| Total risk-based capital ratio | 13.6166% | 5,113 |
| Memoranda: | ||
| Average total assets | $125,487,400 | 4,362 |
| Average earning assets | $111,583,600 | 4,430 |
| Average equity | $10,661,600 | 4,945 |
| Average total loans | $88,409,600 | 4,095 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3064% | 3,324 |
| Cost of funding earning assets | 1.2306% | 4,684 |
| Net interest margin | 4.0757% | 2,734 |
| Noninterest income to average assets | 0.6370% | 3,207 |
| Noninterest expense to average assets | 3.6396% | 1,696 |
| Loan and lease loss provision to assets | 0.6190% | 2,465 |
| Net operating income to assets | -0.0110% | 6,020 |
| Return on assets (ROA) | 0.0085% | 6,110 |
| Pretax return on assets | 0.0106% | 6,071 |
| Return on Equity (ROE) | 0.0990% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.0990% | 5,740 |
| Net charge-offs to loans | 0.3469% | 3,921 |
| Credit loss provision to net charge-offs | 252.3810% | 1,317 |
| Earnings coverage of net charge-offs (x) | 2.4675% | 3,935 |
| Efficiency ratio | 85.7429% | 1,659 |
| Assets per employee ($millions) | 3.3706% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 2,414 |
| Loan loss allowance to noncurrent loans | 63.9740% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 3.1304% | 2,306 |
| Noncurrent loans to loans | 3.0093% | 2,650 |
| Net loans and leases to total assets | 68.2570% | 3,149 |
| Net loans and leases to deposits | 75.0134% | 4,340 |
| Net loans and leases to core deposits | 78.1711% | 4,785 |
| Total domestic deposits to total assets | 90.9930% | 455 |
| Equity capital to assets | 8.7929% | 5,868 |
| Core capital (leverage) ratio | 8.6738% | 5,232 |
| Tier 1 risk-based capital ratio | 12.4846% | 4,998 |
| Total risk-based capital ratio | 13.7427% | 4,968 |
| Memoranda: | ||
| Average total assets | $125,577,750 | 4,427 |
| Average earning assets | $111,159,000 | 4,502 |
| Average equity | $10,772,500 | 4,979 |
| Average total loans | $88,788,500 | 4,151 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 3,132 |
| Cost of funding earning assets | 1.2813% | 4,643 |
| Net interest margin | 4.0833% | 2,637 |
| Noninterest income to average assets | 0.5927% | 3,392 |
| Noninterest expense to average assets | 3.6865% | 1,579 |
| Loan and lease loss provision to assets | 0.7834% | 1,836 |
| Net operating income to assets | -0.3003% | 6,472 |
| Return on assets (ROA) | -0.2638% | 6,476 |
| Pretax return on assets | -0.2606% | 6,383 |
| Return on Equity (ROE) | -3.1005% | 6,527 |
| Retained earnings to average equity (ytd only) | -3.1005% | 6,313 |
| Net charge-offs to loans | 0.0894% | 5,244 |
| Credit loss provision to net charge-offs | 1,232.5000% | 319 |
| Earnings coverage of net charge-offs (x) | 7.6500% | 2,263 |
| Efficiency ratio | 88.3473% | 1,479 |
| Assets per employee ($millions) | 3.4234% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 2,244 |
| Loan loss allowance to noncurrent loans | 46.2422% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 3.8306% | 1,812 |
| Noncurrent loans to loans | 4.2684% | 1,744 |
| Net loans and leases to total assets | 71.4063% | 2,565 |
| Net loans and leases to deposits | 78.3804% | 3,901 |
| Net loans and leases to core deposits | 81.3556% | 4,509 |
| Total domestic deposits to total assets | 91.1022% | 446 |
| Equity capital to assets | 8.6885% | 5,899 |
| Core capital (leverage) ratio | 8.5289% | 5,359 |
| Tier 1 risk-based capital ratio | 11.6875% | 5,596 |
| Total risk-based capital ratio | 12.9270% | 5,565 |
| Memoranda: | ||
| Average total assets | $125,865,670 | 4,449 |
| Average earning assets | $110,352,670 | 4,549 |
| Average equity | $10,708,000 | 5,001 |
| Average total loans | $89,452,330 | 4,160 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3567% | 3,260 |
| Cost of funding earning assets | 1.3365% | 4,584 |
| Net interest margin | 4.0202% | 2,789 |
| Noninterest income to average assets | 0.5819% | 3,403 |
| Noninterest expense to average assets | 3.7019% | 1,514 |
| Loan and lease loss provision to assets | 0.1981% | 4,524 |
| Net operating income to assets | 0.1667% | 5,798 |
| Return on assets (ROA) | 0.1667% | 5,924 |
| Pretax return on assets | 0.1730% | 5,963 |
| Return on Equity (ROE) | 1.9798% | 5,772 |
| Retained earnings to average equity (ytd only) | 1.9798% | 4,946 |
| Net charge-offs to loans | -0.0448% | 7,316 |
| Credit loss provision to net charge-offs | -630.0000% | 6,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8880% | 1,363 |
| Assets per employee ($millions) | 3.3711% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 3,613 |
| Loan loss allowance to noncurrent loans | 64.5042% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 2.4429% | 2,974 |
| Noncurrent loans to loans | 2.4210% | 3,252 |
| Net loans and leases to total assets | 70.3493% | 2,844 |
| Net loans and leases to deposits | 77.1841% | 4,189 |
| Net loans and leases to core deposits | 79.8809% | 4,773 |
| Total domestic deposits to total assets | 91.1448% | 486 |
| Equity capital to assets | 8.6307% | 5,831 |
| Core capital (leverage) ratio | 8.5867% | 5,228 |
| Tier 1 risk-based capital ratio | 11.7885% | 5,410 |
| Total risk-based capital ratio | 13.0000% | 5,391 |
| Memoranda: | ||
| Average total assets | $127,176,500 | 4,475 |
| Average earning assets | $110,441,500 | 4,600 |
| Average equity | $10,708,000 | 5,045 |
| Average total loans | $89,290,500 | 4,218 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8901% | 2,281 |
| Cost of funding earning assets | 1.5986% | 5,035 |
| Net interest margin | 4.2915% | 1,740 |
| Noninterest income to average assets | 0.9049% | 1,922 |
| Noninterest expense to average assets | 3.9509% | 1,438 |
| Loan and lease loss provision to assets | 1.4462% | 1,592 |
| Net operating income to assets | -0.6783% | 6,337 |
| Return on assets (ROA) | -0.4923% | 6,167 |
| Pretax return on assets | -0.4906% | 6,001 |
| Return on Equity (ROE) | -5.5061% | 6,265 |
| Retained earnings to average equity (ytd only) | -5.8218% | 6,125 |
| Net charge-offs to loans | 1.6594% | 1,524 |
| Credit loss provision to net charge-offs | 119.8074% | 4,475 |
| Earnings coverage of net charge-offs (x) | 0.6376% | 5,458 |
| Efficiency ratio | 83.6968% | 2,390 |
| Assets per employee ($millions) | 3.4112% | 5,230 |
| Cash dividends to net income (ytd only)* | -5.7336% | 7,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 3,861 |
| Loan loss allowance to noncurrent loans | 168.2398% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 2.1902% | 3,144 |
| Noncurrent loans to loans | 0.8765% | 5,548 |
| Net loans and leases to total assets | 67.9843% | 3,703 |
| Net loans and leases to deposits | 74.2628% | 4,996 |
| Net loans and leases to core deposits | 85.4105% | 5,583 |
| Total domestic deposits to total assets | 91.5455% | 369 |
| Equity capital to assets | 8.2168% | 6,324 |
| Core capital (leverage) ratio | 8.4452% | 5,365 |
| Tier 1 risk-based capital ratio | 11.2952% | 5,621 |
| Total risk-based capital ratio | 12.5461% | 5,570 |
| Memoranda: | ||
| Average total assets | $120,453,000 | 4,549 |
| Average earning assets | $107,095,400 | 4,653 |
| Average equity | $10,769,800 | 5,086 |
| Average total loans | $87,621,600 | 4,276 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8626% | 2,616 |
| Cost of funding earning assets | 1.6024% | 5,392 |
| Net interest margin | 4.2602% | 1,841 |
| Noninterest income to average assets | 1.0065% | 1,582 |
| Noninterest expense to average assets | 3.9245% | 1,395 |
| Loan and lease loss provision to assets | 0.7808% | 2,422 |
| Net operating income to assets | 0.1568% | 5,299 |
| Return on assets (ROA) | 0.1568% | 5,356 |
| Pretax return on assets | 0.1591% | 5,389 |
| Return on Equity (ROE) | 1.7161% | 5,258 |
| Retained earnings to average equity (ytd only) | 1.2964% | 4,598 |
| Net charge-offs to loans | 0.6577% | 2,712 |
| Credit loss provision to net charge-offs | 160.9302% | 2,941 |
| Earnings coverage of net charge-offs (x) | 1.9372% | 4,364 |
| Efficiency ratio | 80.6773% | 2,747 |
| Assets per employee ($millions) | 3.2818% | 5,447 |
| Cash dividends to net income (ytd only)* | 24.4591% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 3,846 |
| Loan loss allowance to noncurrent loans | 99.4615% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.9453% | 3,425 |
| Noncurrent loans to loans | 1.4262% | 4,536 |
| Net loans and leases to total assets | 72.0544% | 3,027 |
| Net loans and leases to deposits | 79.3632% | 4,497 |
| Net loans and leases to core deposits | 91.5509% | 5,275 |
| Total domestic deposits to total assets | 90.7906% | 486 |
| Equity capital to assets | 8.9127% | 5,616 |
| Core capital (leverage) ratio | 9.0594% | 4,557 |
| Tier 1 risk-based capital ratio | 11.1334% | 5,829 |
| Total risk-based capital ratio | 12.3848% | 5,772 |
| Memoranda: | ||
| Average total assets | $118,160,250 | 4,646 |
| Average earning assets | $107,004,000 | 4,683 |
| Average equity | $10,799,500 | 5,113 |
| Average total loans | $87,166,250 | 4,335 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9128% | 2,532 |
| Cost of funding earning assets | 1.6082% | 5,711 |
| Net interest margin | 4.3045% | 1,642 |
| Noninterest income to average assets | 1.0657% | 1,399 |
| Noninterest expense to average assets | 3.9577% | 1,386 |
| Loan and lease loss provision to assets | 0.8916% | 1,894 |
| Net operating income to assets | 0.1086% | 5,539 |
| Return on assets (ROA) | 0.1086% | 5,637 |
| Pretax return on assets | 0.1121% | 5,651 |
| Return on Equity (ROE) | 1.1782% | 5,581 |
| Retained earnings to average equity (ytd only) | 0.5423% | 4,981 |
| Net charge-offs to loans | 0.9786% | 1,791 |
| Credit loss provision to net charge-offs | 123.0952% | 3,779 |
| Earnings coverage of net charge-offs (x) | 1.3857% | 4,490 |
| Efficiency ratio | 79.7706% | 3,081 |
| Assets per employee ($millions) | 3.0647% | 5,964 |
| Cash dividends to net income (ytd only)* | 53.9683% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 4,428 |
| Loan loss allowance to noncurrent loans | 94.0000% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 2.7434% | 2,340 |
| Noncurrent loans to loans | 1.3562% | 4,498 |
| Net loans and leases to total assets | 73.0866% | 2,945 |
| Net loans and leases to deposits | 80.5162% | 4,470 |
| Net loans and leases to core deposits | 92.9438% | 5,241 |
| Total domestic deposits to total assets | 90.7726% | 530 |
| Equity capital to assets | 8.9162% | 5,429 |
| Core capital (leverage) ratio | 8.9610% | 4,696 |
| Tier 1 risk-based capital ratio | 10.9607% | 5,917 |
| Total risk-based capital ratio | 12.1477% | 5,930 |
| Memoranda: | ||
| Average total assets | $115,977,000 | 4,730 |
| Average earning assets | $104,959,330 | 4,757 |
| Average equity | $10,694,330 | 5,161 |
| Average total loans | $85,837,670 | 4,405 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0152% | 2,300 |
| Cost of funding earning assets | 1.5935% | 6,057 |
| Net interest margin | 4.4217% | 1,297 |
| Noninterest income to average assets | 0.9527% | 1,629 |
| Noninterest expense to average assets | 3.8318% | 1,414 |
| Loan and lease loss provision to assets | 0.6375% | 1,979 |
| Net operating income to assets | 0.4904% | 4,467 |
| Return on assets (ROA) | 0.4904% | 4,659 |
| Pretax return on assets | 0.4974% | 5,085 |
| Return on Equity (ROE) | 5.2273% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.2273% | 3,006 |
| Net charge-offs to loans | -0.0331% | 7,583 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1509% | 3,302 |
| Assets per employee ($millions) | 2.9247% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 3,214 |
| Loan loss allowance to noncurrent loans | 83.5044% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 2.4969% | 2,301 |
| Noncurrent loans to loans | 1.7399% | 3,653 |
| Net loans and leases to total assets | 72.5485% | 3,107 |
| Net loans and leases to deposits | 80.4087% | 4,547 |
| Net loans and leases to core deposits | 91.9762% | 5,347 |
| Total domestic deposits to total assets | 90.2247% | 705 |
| Equity capital to assets | 9.4685% | 4,711 |
| Core capital (leverage) ratio | 9.3037% | 4,241 |
| Tier 1 risk-based capital ratio | 12.0776% | 4,901 |
| Total risk-based capital ratio | 13.3294% | 4,788 |
| Memoranda: | ||
| Average total assets | $114,203,500 | 4,795 |
| Average earning assets | $103,671,500 | 4,815 |
| Average equity | $10,713,000 | 5,180 |
| Average total loans | $84,514,500 | 4,478 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3984% | 3,427 |
| Cost of funding earning assets | 2.1600% | 5,777 |
| Net interest margin | 4.2384% | 2,163 |
| Noninterest income to average assets | 0.6767% | 3,281 |
| Noninterest expense to average assets | 3.7184% | 1,918 |
| Loan and lease loss provision to assets | 0.3859% | 3,379 |
| Net operating income to assets | 0.4434% | 4,979 |
| Return on assets (ROA) | 0.4434% | 4,801 |
| Pretax return on assets | 0.4452% | 5,137 |
| Return on Equity (ROE) | 4.7893% | 4,475 |
| Retained earnings to average equity (ytd only) | 1.1925% | 4,516 |
| Net charge-offs to loans | 0.5415% | 2,200 |
| Credit loss provision to net charge-offs | 97.5057% | 5,460 |
| Earnings coverage of net charge-offs (x) | 2.0998% | 5,022 |
| Efficiency ratio | 81.7321% | 2,337 |
| Assets per employee ($millions) | 2.8586% | 6,416 |
| Cash dividends to net income (ytd only)* | 75.1012% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 4,439 |
| Loan loss allowance to noncurrent loans | 66.6451% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.5659% | 1,881 |
| Noncurrent loans to loans | 1.8188% | 3,034 |
| Net loans and leases to total assets | 73.4861% | 3,231 |
| Net loans and leases to deposits | 81.3821% | 4,812 |
| Net loans and leases to core deposits | 91.8780% | 5,651 |
| Total domestic deposits to total assets | 90.2977% | 550 |
| Equity capital to assets | 9.2930% | 4,940 |
| Core capital (leverage) ratio | 9.2293% | 4,392 |
| Tier 1 risk-based capital ratio | 11.6997% | 5,059 |
| Total risk-based capital ratio | 12.8610% | 5,033 |
| Memoranda: | ||
| Average total assets | $111,417,600 | 4,736 |
| Average earning assets | $101,806,600 | 4,755 |
| Average equity | $10,314,600 | 5,314 |
| Average total loans | $81,436,400 | 4,480 |