Home > The First National Bank of Odon > Performance and Condition Ratios
The First National Bank of Odon, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9938% | 5,358 |
| Cost of funding earning assets | 0.0662% | 5,586 |
| Net interest margin | 2.9276% | 5,007 |
| Noninterest income to average assets | 0.7295% | 1,845 |
| Noninterest expense to average assets | 2.6249% | 3,369 |
| Loan and lease loss provision to assets | 0.0248% | 3,799 |
| Net operating income to assets | 0.6508% | 3,820 |
| Return on assets (ROA) | 0.6500% | 3,858 |
| Pretax return on assets | 0.8478% | 4,101 |
| Return on Equity (ROE) | 8.5696% | 2,508 |
| Retained earnings to average equity (ytd only) | 6.6041% | 1,229 |
| Net charge-offs to loans | 0.0820% | 2,286 |
| Credit loss provision to net charge-offs | 86.2069% | 2,851 |
| Earnings coverage of net charge-offs (x) | 30.3103% | 1,538 |
| Efficiency ratio | 75.0284% | 1,761 |
| Assets per employee ($millions) | 4.8185% | 2,712 |
| Cash dividends to net income (ytd only)* | 22.9358% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 903 |
| Loan loss allowance to noncurrent loans | 2,338.4615% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,825 |
| Noncurrent loans to loans | 0.0736% | 4,668 |
| Net loans and leases to total assets | 32.7387% | 5,377 |
| Net loans and leases to deposits | 35.4426% | 5,439 |
| Net loans and leases to core deposits | 35.5336% | 5,466 |
| Total domestic deposits to total assets | 92.3712% | 57 |
| Equity capital to assets | 7.2515% | 5,567 |
| Core capital (leverage) ratio | 7.9836% | 5,448 |
| Tier 1 risk-based capital ratio | 17.2805% | 2,003 |
| Total risk-based capital ratio | 18.5320% | 1,953 |
| Memoranda: | ||
| Average total assets | $100,615,000 | 4,225 |
| Average earning assets | $95,164,600 | 4,175 |
| Average equity | $7,631,600 | 4,837 |
| Average total loans | $35,361,800 | 4,859 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0121% | 5,402 |
| Cost of funding earning assets | 0.0624% | 5,655 |
| Net interest margin | 2.9498% | 5,018 |
| Noninterest income to average assets | 0.7414% | 1,824 |
| Noninterest expense to average assets | 2.5023% | 3,725 |
| Loan and lease loss provision to assets | 0.0336% | 3,449 |
| Net operating income to assets | 0.7505% | 3,735 |
| Return on assets (ROA) | 0.7495% | 3,800 |
| Pretax return on assets | 0.9993% | 3,697 |
| Return on Equity (ROE) | 9.7664% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.7664% | 637 |
| Net charge-offs to loans | 0.0189% | 3,115 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 153.9190% | 527 |
| Efficiency ratio | 70.7558% | 2,407 |
| Assets per employee ($millions) | 4.6704% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7640% | 915 |
| Loan loss allowance to noncurrent loans | 1,190.5660% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 4,970 |
| Noncurrent loans to loans | 0.1482% | 4,460 |
| Net loans and leases to total assets | 34.1992% | 5,411 |
| Net loans and leases to deposits | 37.2215% | 5,475 |
| Net loans and leases to core deposits | 37.3204% | 5,504 |
| Total domestic deposits to total assets | 91.8801% | 68 |
| Equity capital to assets | 7.8775% | 5,550 |
| Core capital (leverage) ratio | 8.1127% | 5,470 |
| Tier 1 risk-based capital ratio | 17.5534% | 1,995 |
| Total risk-based capital ratio | 18.8057% | 1,933 |
| Memoranda: | ||
| Average total assets | $99,267,250 | 4,294 |
| Average earning assets | $94,061,250 | 4,234 |
| Average equity | $7,617,750 | 4,887 |
| Average total loans | $35,374,000 | 4,908 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0041% | 5,433 |
| Cost of funding earning assets | 0.0603% | 5,702 |
| Net interest margin | 2.9438% | 5,014 |
| Noninterest income to average assets | 0.7461% | 1,786 |
| Noninterest expense to average assets | 2.4626% | 3,884 |
| Loan and lease loss provision to assets | 0.0510% | 2,966 |
| Net operating income to assets | 0.7701% | 3,545 |
| Return on assets (ROA) | 0.7685% | 3,602 |
| Pretax return on assets | 1.0193% | 3,487 |
| Return on Equity (ROE) | 10.1086% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.1086% | 560 |
| Net charge-offs to loans | 0.0227% | 2,772 |
| Credit loss provision to net charge-offs | 625.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 131.5000% | 543 |
| Efficiency ratio | 69.6655% | 2,735 |
| Assets per employee ($millions) | 4.5104% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 953 |
| Loan loss allowance to noncurrent loans | 1,150.9091% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,996 |
| Noncurrent loans to loans | 0.1535% | 4,500 |
| Net loans and leases to total assets | 35.4829% | 5,399 |
| Net loans and leases to deposits | 38.6882% | 5,490 |
| Net loans and leases to core deposits | 38.7948% | 5,528 |
| Total domestic deposits to total assets | 91.7150% | 101 |
| Equity capital to assets | 8.0753% | 5,504 |
| Core capital (leverage) ratio | 8.2482% | 5,395 |
| Tier 1 risk-based capital ratio | 16.7200% | 2,227 |
| Total risk-based capital ratio | 17.9708% | 2,190 |
| Memoranda: | ||
| Average total assets | $98,107,000 | 4,343 |
| Average earning assets | $92,941,000 | 4,292 |
| Average equity | $7,459,000 | 4,933 |
| Average total loans | $35,242,000 | 4,947 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9818% | 5,478 |
| Cost of funding earning assets | 0.0562% | 5,772 |
| Net interest margin | 2.9256% | 5,035 |
| Noninterest income to average assets | 0.7709% | 1,662 |
| Noninterest expense to average assets | 2.4727% | 3,898 |
| Loan and lease loss provision to assets | 0.0615% | 2,577 |
| Net operating income to assets | 0.7740% | 3,341 |
| Return on assets (ROA) | 0.7709% | 3,415 |
| Pretax return on assets | 1.0087% | 3,327 |
| Return on Equity (ROE) | 10.4706% | 1,750 |
| Retained earnings to average equity (ytd only) | 10.4706% | 712 |
| Net charge-offs to loans | -0.0114% | 4,483 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7110% | 2,940 |
| Assets per employee ($millions) | 4.4765% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7659% | 1,022 |
| Loan loss allowance to noncurrent loans | 1,012.9032% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,028 |
| Noncurrent loans to loans | 0.1743% | 4,497 |
| Net loans and leases to total assets | 35.4735% | 5,425 |
| Net loans and leases to deposits | 38.6839% | 5,508 |
| Net loans and leases to core deposits | 38.7912% | 5,549 |
| Total domestic deposits to total assets | 91.7010% | 145 |
| Equity capital to assets | 7.5049% | 5,684 |
| Core capital (leverage) ratio | 8.1446% | 5,480 |
| Tier 1 risk-based capital ratio | 16.2060% | 2,473 |
| Total risk-based capital ratio | 17.4560% | 2,413 |
| Memoranda: | ||
| Average total assets | $97,546,500 | 4,396 |
| Average earning assets | $92,561,000 | 4,342 |
| Average equity | $7,182,000 | 5,031 |
| Average total loans | $34,942,000 | 5,001 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0086% | 5,496 |
| Cost of funding earning assets | 0.0521% | 5,832 |
| Net interest margin | 2.9565% | 5,038 |
| Noninterest income to average assets | 0.7975% | 1,750 |
| Noninterest expense to average assets | 2.6725% | 3,437 |
| Loan and lease loss provision to assets | 0.0644% | 3,085 |
| Net operating income to assets | 0.6399% | 4,044 |
| Return on assets (ROA) | 0.6740% | 4,009 |
| Pretax return on assets | 0.9102% | 3,813 |
| Return on Equity (ROE) | 8.4604% | 2,697 |
| Retained earnings to average equity (ytd only) | 7.6521% | 978 |
| Net charge-offs to loans | 0.0058% | 4,058 |
| Credit loss provision to net charge-offs | 3,000.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 432.5000% | 188 |
| Efficiency ratio | 74.2176% | 2,257 |
| Assets per employee ($millions) | 4.3914% | 3,291 |
| Cash dividends to net income (ytd only)* | 9.5541% | 4,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 975 |
| Loan loss allowance to noncurrent loans | 5,563.6364% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 5,359 |
| Noncurrent loans to loans | 0.0321% | 5,139 |
| Net loans and leases to total assets | 34.8915% | 5,522 |
| Net loans and leases to deposits | 37.7882% | 5,605 |
| Net loans and leases to core deposits | 37.8944% | 5,639 |
| Total domestic deposits to total assets | 92.3342% | 78 |
| Equity capital to assets | 7.2176% | 5,772 |
| Core capital (leverage) ratio | 8.0249% | 5,606 |
| Tier 1 risk-based capital ratio | 16.5042% | 2,354 |
| Total risk-based capital ratio | 17.7565% | 2,288 |
| Memoranda: | ||
| Average total assets | $93,171,200 | 4,487 |
| Average earning assets | $88,348,000 | 4,426 |
| Average equity | $7,422,800 | 5,022 |
| Average total loans | $34,604,600 | 5,050 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0107% | 5,561 |
| Cost of funding earning assets | 0.0503% | 5,901 |
| Net interest margin | 2.9604% | 5,078 |
| Noninterest income to average assets | 0.8045% | 1,746 |
| Noninterest expense to average assets | 2.7399% | 3,220 |
| Loan and lease loss provision to assets | 0.0650% | 2,929 |
| Net operating income to assets | 0.5994% | 4,297 |
| Return on assets (ROA) | 0.6471% | 4,220 |
| Pretax return on assets | 0.8681% | 4,083 |
| Return on Equity (ROE) | 7.9270% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.9270% | 1,202 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9104% | 1,984 |
| Assets per employee ($millions) | 4.1037% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 1,210 |
| Loan loss allowance to noncurrent loans | 297.0297% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 4,573 |
| Noncurrent loans to loans | 0.5744% | 3,280 |
| Net loans and leases to total assets | 36.6262% | 5,525 |
| Net loans and leases to deposits | 40.1393% | 5,629 |
| Net loans and leases to core deposits | 40.2562% | 5,672 |
| Total domestic deposits to total assets | 91.2476% | 150 |
| Equity capital to assets | 8.2756% | 5,632 |
| Core capital (leverage) ratio | 8.1479% | 5,614 |
| Tier 1 risk-based capital ratio | 16.6604% | 2,355 |
| Total risk-based capital ratio | 17.9118% | 2,302 |
| Memoranda: | ||
| Average total assets | $92,311,250 | 4,543 |
| Average earning assets | $87,462,500 | 4,481 |
| Average equity | $7,535,250 | 5,057 |
| Average total loans | $34,675,500 | 5,100 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0121% | 5,634 |
| Cost of funding earning assets | 0.0529% | 5,980 |
| Net interest margin | 2.9592% | 5,155 |
| Noninterest income to average assets | 0.7837% | 1,791 |
| Noninterest expense to average assets | 2.7156% | 3,338 |
| Loan and lease loss provision to assets | 0.0655% | 2,834 |
| Net operating income to assets | 0.6031% | 4,252 |
| Return on assets (ROA) | 0.6483% | 4,193 |
| Pretax return on assets | 0.8732% | 4,046 |
| Return on Equity (ROE) | 7.9803% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.9803% | 1,170 |
| Net charge-offs to loans | 0.0058% | 3,493 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 402.0000% | 173 |
| Efficiency ratio | 75.5772% | 2,139 |
| Assets per employee ($millions) | 4.2117% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 1,208 |
| Loan loss allowance to noncurrent loans | 1,123.0769% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 5,334 |
| Noncurrent loans to loans | 0.1541% | 4,822 |
| Net loans and leases to total assets | 35.7789% | 5,618 |
| Net loans and leases to deposits | 39.7802% | 5,701 |
| Net loans and leases to core deposits | 39.7802% | 5,752 |
| Total domestic deposits to total assets | 89.9415% | 512 |
| Equity capital to assets | 8.2950% | 5,698 |
| Core capital (leverage) ratio | 8.0547% | 5,697 |
| Tier 1 risk-based capital ratio | 16.6746% | 2,364 |
| Total risk-based capital ratio | 17.9253% | 2,315 |
| Memoranda: | ||
| Average total assets | $91,619,670 | 4,594 |
| Average earning assets | $86,983,670 | 4,524 |
| Average equity | $7,443,330 | 5,112 |
| Average total loans | $34,510,670 | 5,156 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1057% | 5,600 |
| Cost of funding earning assets | 0.0557% | 6,039 |
| Net interest margin | 3.0500% | 4,998 |
| Noninterest income to average assets | 0.8386% | 1,479 |
| Noninterest expense to average assets | 2.7486% | 3,244 |
| Loan and lease loss provision to assets | 0.0659% | 2,647 |
| Net operating income to assets | 0.6806% | 3,813 |
| Return on assets (ROA) | 0.7069% | 3,795 |
| Pretax return on assets | 0.9440% | 3,678 |
| Return on Equity (ROE) | 8.7954% | 2,521 |
| Retained earnings to average equity (ytd only) | 8.7954% | 1,175 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8208% | 2,510 |
| Assets per employee ($millions) | 3.8072% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 1,492 |
| Loan loss allowance to noncurrent loans | 133.2553% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 3,727 |
| Noncurrent loans to loans | 1.2349% | 1,956 |
| Net loans and leases to total assets | 37.2193% | 5,589 |
| Net loans and leases to deposits | 40.6833% | 5,690 |
| Net loans and leases to core deposits | 40.6833% | 5,756 |
| Total domestic deposits to total assets | 91.4854% | 159 |
| Equity capital to assets | 8.1951% | 5,747 |
| Core capital (leverage) ratio | 8.0762% | 5,738 |
| Tier 1 risk-based capital ratio | 17.1060% | 2,250 |
| Total risk-based capital ratio | 18.3568% | 2,217 |
| Memoranda: | ||
| Average total assets | $91,100,500 | 4,638 |
| Average earning assets | $86,163,500 | 4,573 |
| Average equity | $7,322,000 | 5,171 |
| Average total loans | $34,898,000 | 5,180 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0726% | 5,668 |
| Cost of funding earning assets | 0.0480% | 6,109 |
| Net interest margin | 3.0246% | 5,078 |
| Noninterest income to average assets | 0.8163% | 1,723 |
| Noninterest expense to average assets | 2.8433% | 3,060 |
| Loan and lease loss provision to assets | 0.0686% | 2,922 |
| Net operating income to assets | 0.5746% | 4,405 |
| Return on assets (ROA) | 0.6322% | 4,218 |
| Pretax return on assets | 0.8620% | 3,981 |
| Return on Equity (ROE) | 7.9018% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.3302% | 1,155 |
| Net charge-offs to loans | 0.0265% | 3,704 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 82.7778% | 682 |
| Efficiency ratio | 76.9493% | 2,122 |
| Assets per employee ($millions) | 3.7845% | 4,315 |
| Cash dividends to net income (ytd only)* | 7.2333% | 4,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,713 |
| Loan loss allowance to noncurrent loans | 100.9107% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 3,263 |
| Noncurrent loans to loans | 1.5588% | 1,476 |
| Net loans and leases to total assets | 38.1651% | 5,614 |
| Net loans and leases to deposits | 41.6092% | 5,720 |
| Net loans and leases to core deposits | 41.6092% | 5,774 |
| Total domestic deposits to total assets | 91.7229% | 142 |
| Equity capital to assets | 7.8785% | 5,895 |
| Core capital (leverage) ratio | 7.8289% | 5,898 |
| Tier 1 risk-based capital ratio | 15.9131% | 2,732 |
| Total risk-based capital ratio | 17.1633% | 2,667 |
| Memoranda: | ||
| Average total assets | $87,467,800 | 4,720 |
| Average earning assets | $83,251,200 | 4,653 |
| Average equity | $6,998,400 | 5,244 |
| Average total loans | $34,014,600 | 5,223 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0366% | 5,777 |
| Cost of funding earning assets | 0.0483% | 6,196 |
| Net interest margin | 2.9882% | 5,225 |
| Noninterest income to average assets | 0.8327% | 1,682 |
| Noninterest expense to average assets | 2.8381% | 3,043 |
| Loan and lease loss provision to assets | 0.0693% | 2,793 |
| Net operating income to assets | 0.5735% | 4,512 |
| Return on assets (ROA) | 0.6511% | 4,238 |
| Pretax return on assets | 0.8865% | 4,029 |
| Return on Equity (ROE) | 8.1045% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.1045% | 1,211 |
| Net charge-offs to loans | 0.0079% | 3,897 |
| Credit loss provision to net charge-offs | 2,250.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 275.6479% | 256 |
| Efficiency ratio | 76.9616% | 2,097 |
| Assets per employee ($millions) | 3.8600% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,836 |
| Loan loss allowance to noncurrent loans | 410.5263% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 5,163 |
| Noncurrent loans to loans | 0.3865% | 4,231 |
| Net loans and leases to total assets | 38.1410% | 5,693 |
| Net loans and leases to deposits | 42.2652% | 5,796 |
| Net loans and leases to core deposits | 42.2652% | 5,847 |
| Total domestic deposits to total assets | 90.2423% | 488 |
| Equity capital to assets | 8.0580% | 5,941 |
| Core capital (leverage) ratio | 8.0036% | 5,902 |
| Tier 1 risk-based capital ratio | 16.3759% | 2,636 |
| Total risk-based capital ratio | 17.6254% | 2,587 |
| Memoranda: | ||
| Average total assets | $86,627,500 | 4,793 |
| Average earning assets | $82,767,250 | 4,718 |
| Average equity | $6,959,000 | 5,316 |
| Average total loans | $33,713,500 | 5,294 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 5,850 |
| Cost of funding earning assets | 0.0489% | 6,273 |
| Net interest margin | 2.9591% | 5,317 |
| Noninterest income to average assets | 0.8008% | 1,775 |
| Noninterest expense to average assets | 2.7773% | 3,325 |
| Loan and lease loss provision to assets | 0.0698% | 2,712 |
| Net operating income to assets | 0.5712% | 4,466 |
| Return on assets (ROA) | 0.6728% | 4,125 |
| Pretax return on assets | 0.9103% | 3,915 |
| Return on Equity (ROE) | 8.3841% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.3841% | 1,122 |
| Net charge-offs to loans | 0.0358% | 2,959 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 60.3333% | 839 |
| Efficiency ratio | 76.7203% | 2,243 |
| Assets per employee ($millions) | 3.6918% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 2,004 |
| Loan loss allowance to noncurrent loans | 418.2540% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 5,277 |
| Noncurrent loans to loans | 0.3759% | 4,357 |
| Net loans and leases to total assets | 38.8536% | 5,693 |
| Net loans and leases to deposits | 42.6092% | 5,816 |
| Net loans and leases to core deposits | 42.6092% | 5,880 |
| Total domestic deposits to total assets | 91.1861% | 258 |
| Equity capital to assets | 8.0708% | 5,948 |
| Core capital (leverage) ratio | 7.9425% | 5,957 |
| Tier 1 risk-based capital ratio | 16.2824% | 2,718 |
| Total risk-based capital ratio | 17.5323% | 2,678 |
| Memoranda: | ||
| Average total assets | $85,909,670 | 4,858 |
| Average earning assets | $81,848,670 | 4,783 |
| Average equity | $6,894,000 | 5,380 |
| Average total loans | $33,482,000 | 5,344 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9692% | 5,927 |
| Cost of funding earning assets | 0.0486% | 6,349 |
| Net interest margin | 2.9206% | 5,407 |
| Noninterest income to average assets | 0.8147% | 1,659 |
| Noninterest expense to average assets | 2.5553% | 4,081 |
| Loan and lease loss provision to assets | 0.0694% | 2,554 |
| Net operating income to assets | 0.7115% | 3,741 |
| Return on assets (ROA) | 0.8703% | 3,020 |
| Pretax return on assets | 1.1897% | 2,714 |
| Return on Equity (ROE) | 10.8757% | 1,667 |
| Retained earnings to average equity (ytd only) | 10.8757% | 739 |
| Net charge-offs to loans | -0.0120% | 4,800 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0425% | 3,313 |
| Assets per employee ($millions) | 3.7889% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 2,071 |
| Loan loss allowance to noncurrent loans | 114.5695% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 3,945 |
| Noncurrent loans to loans | 1.3911% | 2,064 |
| Net loans and leases to total assets | 36.7709% | 5,791 |
| Net loans and leases to deposits | 40.4969% | 5,898 |
| Net loans and leases to core deposits | 40.4969% | 5,957 |
| Total domestic deposits to total assets | 90.7992% | 440 |
| Equity capital to assets | 8.0946% | 5,990 |
| Core capital (leverage) ratio | 7.8947% | 5,991 |
| Tier 1 risk-based capital ratio | 15.8074% | 3,012 |
| Total risk-based capital ratio | 17.0415% | 2,958 |
| Memoranda: | ||
| Average total assets | $86,409,000 | 4,892 |
| Average earning assets | $82,310,500 | 4,814 |
| Average equity | $6,914,500 | 5,420 |
| Average total loans | $33,464,000 | 5,388 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2373% | 5,784 |
| Cost of funding earning assets | 0.0570% | 6,427 |
| Net interest margin | 3.1804% | 4,986 |
| Noninterest income to average assets | 0.8763% | 1,583 |
| Noninterest expense to average assets | 2.9020% | 3,146 |
| Loan and lease loss provision to assets | 0.0722% | 3,040 |
| Net operating income to assets | 0.6617% | 4,081 |
| Return on assets (ROA) | 0.7318% | 3,832 |
| Pretax return on assets | 1.0243% | 3,409 |
| Return on Equity (ROE) | 9.3072% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.0825% | 991 |
| Net charge-offs to loans | 0.0030% | 4,905 |
| Credit loss provision to net charge-offs | 6,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 829.0000% | 52 |
| Efficiency ratio | 74.4136% | 2,764 |
| Assets per employee ($millions) | 3.7249% | 4,480 |
| Cash dividends to net income (ytd only)* | 13.1579% | 4,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 2,632 |
| Loan loss allowance to noncurrent loans | 160.7029% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 4,606 |
| Noncurrent loans to loans | 0.9108% | 3,037 |
| Net loans and leases to total assets | 39.5247% | 5,777 |
| Net loans and leases to deposits | 43.1908% | 5,917 |
| Net loans and leases to core deposits | 43.1908% | 5,986 |
| Total domestic deposits to total assets | 91.5119% | 225 |
| Equity capital to assets | 7.9080% | 6,103 |
| Core capital (leverage) ratio | 7.6850% | 6,136 |
| Tier 1 risk-based capital ratio | 15.1440% | 3,416 |
| Total risk-based capital ratio | 16.3414% | 3,388 |
| Memoranda: | ||
| Average total assets | $83,080,400 | 4,986 |
| Average earning assets | $78,984,400 | 4,906 |
| Average equity | $6,532,600 | 5,512 |
| Average total loans | $33,100,200 | 5,444 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 5,862 |
| Cost of funding earning assets | 0.0577% | 6,510 |
| Net interest margin | 3.1772% | 5,038 |
| Noninterest income to average assets | 0.9139% | 1,478 |
| Noninterest expense to average assets | 2.8904% | 3,156 |
| Loan and lease loss provision to assets | 0.0728% | 2,885 |
| Net operating income to assets | 0.7003% | 3,939 |
| Return on assets (ROA) | 0.7958% | 3,550 |
| Pretax return on assets | 1.1112% | 3,146 |
| Return on Equity (ROE) | 10.1357% | 2,152 |
| Retained earnings to average equity (ytd only) | 10.1357% | 670 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3279% | 2,931 |
| Assets per employee ($millions) | 3.6716% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 2,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 39.1453% | 5,872 |
| Net loans and leases to deposits | 42.8783% | 6,020 |
| Net loans and leases to core deposits | 42.8783% | 6,088 |
| Total domestic deposits to total assets | 91.2939% | 284 |
| Equity capital to assets | 8.0157% | 6,125 |
| Core capital (leverage) ratio | 7.9149% | 6,121 |
| Tier 1 risk-based capital ratio | 15.7936% | 3,162 |
| Total risk-based capital ratio | 17.0063% | 3,121 |
| Memoranda: | ||
| Average total assets | $82,432,250 | 5,055 |
| Average earning assets | $78,558,250 | 4,968 |
| Average equity | $6,472,000 | 5,587 |
| Average total loans | $32,784,000 | 5,504 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 5,846 |
| Cost of funding earning assets | 0.0617% | 6,564 |
| Net interest margin | 3.2040% | 4,935 |
| Noninterest income to average assets | 0.9075% | 1,475 |
| Noninterest expense to average assets | 2.9330% | 3,055 |
| Loan and lease loss provision to assets | 0.0734% | 2,801 |
| Net operating income to assets | 0.6985% | 3,848 |
| Return on assets (ROA) | 0.7510% | 3,667 |
| Pretax return on assets | 1.0201% | 3,395 |
| Return on Equity (ROE) | 9.6344% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.6344% | 809 |
| Net charge-offs to loans | 0.0061% | 4,168 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 167 |
| Efficiency ratio | 74.1497% | 2,952 |
| Assets per employee ($millions) | 3.4303% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 3,428 |
| Loan loss allowance to noncurrent loans | 198.3193% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 5,211 |
| Noncurrent loans to loans | 0.6984% | 3,963 |
| Net loans and leases to total assets | 40.8194% | 5,760 |
| Net loans and leases to deposits | 44.9987% | 5,937 |
| Net loans and leases to core deposits | 44.9987% | 6,032 |
| Total domestic deposits to total assets | 90.7125% | 503 |
| Equity capital to assets | 8.0278% | 6,141 |
| Core capital (leverage) ratio | 7.9438% | 6,136 |
| Tier 1 risk-based capital ratio | 14.7161% | 3,801 |
| Total risk-based capital ratio | 15.8420% | 3,827 |
| Memoranda: | ||
| Average total assets | $81,760,670 | 5,116 |
| Average earning assets | $77,777,330 | 5,023 |
| Average equity | $6,373,000 | 5,641 |
| Average total loans | $32,530,000 | 5,552 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 5,677 |
| Cost of funding earning assets | 0.0724% | 6,621 |
| Net interest margin | 3.3141% | 4,477 |
| Noninterest income to average assets | 0.8444% | 1,588 |
| Noninterest expense to average assets | 2.8130% | 3,515 |
| Loan and lease loss provision to assets | 0.0736% | 2,667 |
| Net operating income to assets | 0.7959% | 3,173 |
| Return on assets (ROA) | 0.8100% | 3,178 |
| Pretax return on assets | 1.1242% | 2,795 |
| Return on Equity (ROE) | 10.5516% | 1,845 |
| Retained earnings to average equity (ytd only) | 10.5516% | 827 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4797% | 3,746 |
| Assets per employee ($millions) | 3.3774% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 3,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.9395% | 5,948 |
| Net loans and leases to deposits | 41.7301% | 6,089 |
| Net loans and leases to core deposits | 41.7301% | 6,166 |
| Total domestic deposits to total assets | 90.9164% | 607 |
| Equity capital to assets | 7.8968% | 6,125 |
| Core capital (leverage) ratio | 7.8752% | 6,192 |
| Tier 1 risk-based capital ratio | 15.0581% | 3,682 |
| Total risk-based capital ratio | 16.2171% | 3,682 |
| Memoranda: | ||
| Average total assets | $81,478,000 | 5,174 |
| Average earning assets | $77,366,500 | 5,081 |
| Average equity | $6,255,000 | 5,699 |
| Average total loans | $31,756,500 | 5,639 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1561% | 6,186 |
| Cost of funding earning assets | 0.0781% | 6,712 |
| Net interest margin | 3.0780% | 5,383 |
| Noninterest income to average assets | 0.9710% | 1,458 |
| Noninterest expense to average assets | 3.1344% | 2,631 |
| Loan and lease loss provision to assets | 0.0751% | 3,607 |
| Net operating income to assets | 0.5230% | 4,628 |
| Return on assets (ROA) | 0.5230% | 4,754 |
| Pretax return on assets | 0.6719% | 4,629 |
| Return on Equity (ROE) | 6.6942% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.4130% | 2,343 |
| Net charge-offs to loans | 0.0359% | 4,728 |
| Credit loss provision to net charge-offs | 545.4545% | 427 |
| Earnings coverage of net charge-offs (x) | 54.2727% | 750 |
| Efficiency ratio | 80.7544% | 2,050 |
| Assets per employee ($millions) | 3.5608% | 4,780 |
| Cash dividends to net income (ytd only)* | 19.1388% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 3,789 |
| Loan loss allowance to noncurrent loans | 134.6505% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 5,048 |
| Noncurrent loans to loans | 1.0185% | 3,474 |
| Net loans and leases to total assets | 38.9008% | 6,033 |
| Net loans and leases to deposits | 42.2948% | 6,209 |
| Net loans and leases to core deposits | 42.2948% | 6,296 |
| Total domestic deposits to total assets | 91.9754% | 288 |
| Equity capital to assets | 7.4593% | 6,305 |
| Core capital (leverage) ratio | 7.5666% | 6,346 |
| Tier 1 risk-based capital ratio | 13.9259% | 4,345 |
| Total risk-based capital ratio | 14.9836% | 4,437 |
| Memoranda: | ||
| Average total assets | $79,920,200 | 5,238 |
| Average earning assets | $75,567,400 | 5,165 |
| Average equity | $6,244,200 | 5,755 |
| Average total loans | $30,649,000 | 5,730 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1167% | 6,302 |
| Cost of funding earning assets | 0.0745% | 6,807 |
| Net interest margin | 3.0423% | 5,483 |
| Noninterest income to average assets | 0.9602% | 1,580 |
| Noninterest expense to average assets | 3.0770% | 2,740 |
| Loan and lease loss provision to assets | 0.0755% | 3,548 |
| Net operating income to assets | 0.5355% | 4,637 |
| Return on assets (ROA) | 0.5355% | 4,788 |
| Pretax return on assets | 0.6883% | 4,726 |
| Return on Equity (ROE) | 6.7748% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.7748% | 1,983 |
| Net charge-offs to loans | 0.0265% | 4,595 |
| Credit loss provision to net charge-offs | 750.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 75.8313% | 624 |
| Efficiency ratio | 80.1136% | 2,076 |
| Assets per employee ($millions) | 3.3090% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 4,182 |
| Loan loss allowance to noncurrent loans | 101.1682% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 4,836 |
| Noncurrent loans to loans | 1.3271% | 3,201 |
| Net loans and leases to total assets | 40.0632% | 6,026 |
| Net loans and leases to deposits | 43.8027% | 6,212 |
| Net loans and leases to core deposits | 43.8027% | 6,312 |
| Total domestic deposits to total assets | 91.4628% | 380 |
| Equity capital to assets | 7.7465% | 6,289 |
| Core capital (leverage) ratio | 7.8651% | 6,293 |
| Tier 1 risk-based capital ratio | 14.3954% | 4,151 |
| Total risk-based capital ratio | 15.4451% | 4,234 |
| Memoranda: | ||
| Average total assets | $79,425,750 | 5,301 |
| Average earning assets | $75,205,500 | 5,219 |
| Average equity | $6,278,000 | 5,819 |
| Average total loans | $30,235,750 | 5,802 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2335% | 6,189 |
| Cost of funding earning assets | 0.0774% | 6,855 |
| Net interest margin | 3.1561% | 5,103 |
| Noninterest income to average assets | 0.8964% | 1,820 |
| Noninterest expense to average assets | 3.0946% | 2,674 |
| Loan and lease loss provision to assets | 0.0755% | 3,540 |
| Net operating income to assets | 0.5514% | 4,547 |
| Return on assets (ROA) | 0.5514% | 4,714 |
| Pretax return on assets | 0.7025% | 4,678 |
| Return on Equity (ROE) | 6.9304% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.9304% | 1,915 |
| Net charge-offs to loans | 0.0203% | 4,436 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 452 |
| Efficiency ratio | 79.9090% | 2,172 |
| Assets per employee ($millions) | 3.1006% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,442 |
| Loan loss allowance to noncurrent loans | 412.7451% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 6,089 |
| Noncurrent loans to loans | 0.3180% | 5,497 |
| Net loans and leases to total assets | 40.8334% | 5,984 |
| Net loans and leases to deposits | 44.5658% | 6,194 |
| Net loans and leases to core deposits | 44.5658% | 6,308 |
| Total domestic deposits to total assets | 91.6248% | 334 |
| Equity capital to assets | 7.9585% | 6,226 |
| Core capital (leverage) ratio | 7.6099% | 6,410 |
| Tier 1 risk-based capital ratio | 13.8471% | 4,529 |
| Total risk-based capital ratio | 14.8414% | 4,674 |
| Memoranda: | ||
| Average total assets | $79,428,670 | 5,336 |
| Average earning assets | $74,902,670 | 5,253 |
| Average equity | $6,320,000 | 5,844 |
| Average total loans | $29,564,330 | 5,864 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1730% | 6,327 |
| Cost of funding earning assets | 0.0848% | 6,927 |
| Net interest margin | 3.0882% | 5,305 |
| Noninterest income to average assets | 0.8559% | 1,911 |
| Noninterest expense to average assets | 2.9209% | 3,265 |
| Loan and lease loss provision to assets | 0.0896% | 3,169 |
| Net operating income to assets | 0.5772% | 4,326 |
| Return on assets (ROA) | 0.5772% | 4,477 |
| Pretax return on assets | 0.7464% | 4,389 |
| Return on Equity (ROE) | 7.2551% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.2551% | 2,044 |
| Net charge-offs to loans | 0.0424% | 3,439 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 622 |
| Efficiency ratio | 77.7483% | 2,654 |
| Assets per employee ($millions) | 3.2087% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 4,239 |
| Loan loss allowance to noncurrent loans | 355.6522% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 6,146 |
| Noncurrent loans to loans | 0.3933% | 5,434 |
| Net loans and leases to total assets | 35.9446% | 6,297 |
| Net loans and leases to deposits | 39.3762% | 6,447 |
| Net loans and leases to core deposits | 39.3762% | 6,508 |
| Total domestic deposits to total assets | 91.2850% | 416 |
| Equity capital to assets | 8.0481% | 6,352 |
| Core capital (leverage) ratio | 7.4233% | 6,496 |
| Tier 1 risk-based capital ratio | 14.2111% | 4,353 |
| Total risk-based capital ratio | 15.2417% | 4,475 |
| Memoranda: | ||
| Average total assets | $80,385,500 | 5,354 |
| Average earning assets | $75,513,000 | 5,281 |
| Average equity | $6,395,500 | 5,887 |
| Average total loans | $28,310,000 | 5,964 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 6,552 |
| Cost of funding earning assets | 0.1163% | 6,978 |
| Net interest margin | 3.2208% | 5,517 |
| Noninterest income to average assets | 0.7861% | 2,326 |
| Noninterest expense to average assets | 3.1341% | 2,831 |
| Loan and lease loss provision to assets | 0.0923% | 4,525 |
| Net operating income to assets | 0.5018% | 4,687 |
| Return on assets (ROA) | 0.5155% | 4,887 |
| Pretax return on assets | 0.6296% | 4,894 |
| Return on Equity (ROE) | 6.5393% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.5393% | 1,796 |
| Net charge-offs to loans | 0.0674% | 5,006 |
| Credit loss provision to net charge-offs | 423.5294% | 570 |
| Earnings coverage of net charge-offs (x) | 32.3529% | 955 |
| Efficiency ratio | 81.6299% | 1,924 |
| Assets per employee ($millions) | 3.0982% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 3,980 |
| Loan loss allowance to noncurrent loans | 339.6552% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 6,189 |
| Noncurrent loans to loans | 0.4237% | 5,430 |
| Net loans and leases to total assets | 33.4972% | 6,569 |
| Net loans and leases to deposits | 36.6273% | 6,667 |
| Net loans and leases to core deposits | 36.6273% | 6,712 |
| Total domestic deposits to total assets | 91.4541% | 350 |
| Equity capital to assets | 7.8644% | 6,474 |
| Core capital (leverage) ratio | 7.2356% | 6,622 |
| Tier 1 risk-based capital ratio | 13.8393% | 4,504 |
| Total risk-based capital ratio | 14.8229% | 4,649 |
| Memoranda: | ||
| Average total assets | $77,980,200 | 5,411 |
| Average earning assets | $73,926,800 | 5,314 |
| Average equity | $6,147,400 | 5,986 |
| Average total loans | $25,240,600 | 6,180 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 6,676 |
| Cost of funding earning assets | 0.1248% | 7,082 |
| Net interest margin | 3.2278% | 5,626 |
| Noninterest income to average assets | 0.7517% | 2,473 |
| Noninterest expense to average assets | 3.1411% | 2,754 |
| Loan and lease loss provision to assets | 0.0983% | 4,342 |
| Net operating income to assets | 0.5098% | 4,806 |
| Return on assets (ROA) | 0.5293% | 4,982 |
| Pretax return on assets | 0.6103% | 5,132 |
| Return on Equity (ROE) | 6.7096% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.7096% | 2,276 |
| Net charge-offs to loans | 0.0918% | 4,459 |
| Credit loss provision to net charge-offs | 335.2941% | 792 |
| Earnings coverage of net charge-offs (x) | 23.4076% | 1,316 |
| Efficiency ratio | 82.0721% | 1,800 |
| Assets per employee ($millions) | 3.3400% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 3,839 |
| Loan loss allowance to noncurrent loans | 332.4561% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 6,346 |
| Noncurrent loans to loans | 0.4588% | 5,530 |
| Net loans and leases to total assets | 30.5252% | 6,797 |
| Net loans and leases to deposits | 34.0746% | 6,866 |
| Net loans and leases to core deposits | 34.0746% | 6,899 |
| Total domestic deposits to total assets | 89.5833% | 1,082 |
| Equity capital to assets | 7.8780% | 6,647 |
| Core capital (leverage) ratio | 7.5311% | 6,610 |
| Tier 1 risk-based capital ratio | 14.8129% | 3,970 |
| Total risk-based capital ratio | 15.8391% | 4,094 |
| Memoranda: | ||
| Average total assets | $77,337,000 | 5,481 |
| Average earning assets | $73,691,000 | 5,386 |
| Average equity | $6,100,500 | 6,067 |
| Average total loans | $24,706,500 | 6,296 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 6,735 |
| Cost of funding earning assets | 0.1402% | 7,134 |
| Net interest margin | 3.2493% | 5,591 |
| Noninterest income to average assets | 0.7566% | 2,387 |
| Noninterest expense to average assets | 3.1468% | 2,759 |
| Loan and lease loss provision to assets | 0.1833% | 3,272 |
| Net operating income to assets | 0.4845% | 4,889 |
| Return on assets (ROA) | 0.4869% | 5,130 |
| Pretax return on assets | 0.5236% | 5,381 |
| Return on Equity (ROE) | 6.1702% | 4,229 |
| Retained earnings to average equity (ytd only) | 6.1702% | 2,590 |
| Net charge-offs to loans | 0.1054% | 4,121 |
| Credit loss provision to net charge-offs | 538.4615% | 567 |
| Earnings coverage of net charge-offs (x) | 20.6923% | 1,377 |
| Efficiency ratio | 81.7131% | 1,923 |
| Assets per employee ($millions) | 3.2076% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 3,854 |
| Loan loss allowance to noncurrent loans | 332.4561% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 6,201 |
| Noncurrent loans to loans | 0.4613% | 5,612 |
| Net loans and leases to total assets | 31.6109% | 6,824 |
| Net loans and leases to deposits | 34.9249% | 6,897 |
| Net loans and leases to core deposits | 34.9249% | 6,938 |
| Total domestic deposits to total assets | 90.5109% | 656 |
| Equity capital to assets | 8.0368% | 6,546 |
| Core capital (leverage) ratio | 7.4830% | 6,633 |
| Tier 1 risk-based capital ratio | 14.4675% | 4,124 |
| Total risk-based capital ratio | 15.4940% | 4,241 |
| Memoranda: | ||
| Average total assets | $76,396,000 | 5,536 |
| Average earning assets | $72,755,000 | 5,437 |
| Average equity | $6,029,000 | 6,111 |
| Average total loans | $24,659,330 | 6,336 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 6,792 |
| Cost of funding earning assets | 0.1485% | 7,193 |
| Net interest margin | 3.2662% | 5,591 |
| Noninterest income to average assets | 0.7411% | 2,445 |
| Noninterest expense to average assets | 2.8908% | 3,660 |
| Loan and lease loss provision to assets | 0.1577% | 3,409 |
| Net operating income to assets | 0.7201% | 3,783 |
| Return on assets (ROA) | 0.7201% | 4,005 |
| Pretax return on assets | 0.8147% | 4,359 |
| Return on Equity (ROE) | 9.2101% | 2,727 |
| Retained earnings to average equity (ytd only) | 9.2101% | 1,511 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8299% | 2,968 |
| Assets per employee ($millions) | 2.9667% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 4,266 |
| Loan loss allowance to noncurrent loans | 312.3894% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 6,316 |
| Noncurrent loans to loans | 0.4733% | 5,727 |
| Net loans and leases to total assets | 30.4933% | 6,887 |
| Net loans and leases to deposits | 33.5195% | 6,967 |
| Net loans and leases to core deposits | 33.5195% | 7,006 |
| Total domestic deposits to total assets | 90.9717% | 573 |
| Equity capital to assets | 7.7643% | 6,651 |
| Core capital (leverage) ratio | 7.5519% | 6,600 |
| Tier 1 risk-based capital ratio | 14.8133% | 3,881 |
| Total risk-based capital ratio | 15.7854% | 4,034 |
| Memoranda: | ||
| Average total assets | $76,102,500 | 5,592 |
| Average earning assets | $72,744,500 | 5,473 |
| Average equity | $5,950,000 | 6,160 |
| Average total loans | $24,632,000 | 6,392 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 6,698 |
| Cost of funding earning assets | 0.2539% | 7,173 |
| Net interest margin | 3.5740% | 4,833 |
| Noninterest income to average assets | 0.8882% | 1,714 |
| Noninterest expense to average assets | 3.4606% | 2,089 |
| Loan and lease loss provision to assets | 0.1455% | 4,791 |
| Net operating income to assets | 0.5570% | 4,201 |
| Return on assets (ROA) | 0.6211% | 4,078 |
| Pretax return on assets | 0.7889% | 4,020 |
| Return on Equity (ROE) | 7.9317% | 2,947 |
| Retained earnings to average equity (ytd only) | 7.2171% | 1,402 |
| Net charge-offs to loans | 0.2593% | 4,155 |
| Credit loss provision to net charge-offs | 157.5758% | 1,771 |
| Earnings coverage of net charge-offs (x) | 9.2424% | 2,009 |
| Efficiency ratio | 80.2205% | 2,277 |
| Assets per employee ($millions) | 2.8873% | 6,306 |
| Cash dividends to net income (ytd only)* | 9.0090% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 5,050 |
| Loan loss allowance to noncurrent loans | 88.9807% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 5,556 |
| Noncurrent loans to loans | 1.4297% | 4,017 |
| Net loans and leases to total assets | 33.3915% | 6,891 |
| Net loans and leases to deposits | 36.7131% | 6,981 |
| Net loans and leases to core deposits | 36.7131% | 7,024 |
| Total domestic deposits to total assets | 90.9524% | 527 |
| Equity capital to assets | 7.8740% | 6,649 |
| Core capital (leverage) ratio | 7.5117% | 6,643 |
| Tier 1 risk-based capital ratio | 14.1771% | 4,193 |
| Total risk-based capital ratio | 15.0657% | 4,422 |
| Memoranda: | ||
| Average total assets | $71,491,200 | 5,708 |
| Average earning assets | $68,521,800 | 5,592 |
| Average equity | $5,597,800 | 6,260 |
| Average total loans | $25,457,000 | 6,397 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 6,778 |
| Cost of funding earning assets | 0.2738% | 7,256 |
| Net interest margin | 3.5854% | 4,830 |
| Noninterest income to average assets | 0.8650% | 1,776 |
| Noninterest expense to average assets | 3.4108% | 2,162 |
| Loan and lease loss provision to assets | 0.1492% | 4,584 |
| Net operating income to assets | 0.5904% | 4,130 |
| Return on assets (ROA) | 0.6780% | 3,905 |
| Pretax return on assets | 0.8518% | 3,944 |
| Return on Equity (ROE) | 8.6720% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.6720% | 1,258 |
| Net charge-offs to loans | 0.3245% | 3,474 |
| Credit loss provision to net charge-offs | 127.4194% | 2,512 |
| Earnings coverage of net charge-offs (x) | 7.6134% | 2,331 |
| Efficiency ratio | 79.2801% | 2,367 |
| Assets per employee ($millions) | 2.6806% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 5,634 |
| Loan loss allowance to noncurrent loans | 53.6412% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 5,023 |
| Noncurrent loans to loans | 2.1641% | 3,159 |
| Net loans and leases to total assets | 35.5270% | 6,889 |
| Net loans and leases to deposits | 39.1495% | 7,005 |
| Net loans and leases to core deposits | 39.1495% | 7,057 |
| Total domestic deposits to total assets | 90.7469% | 535 |
| Equity capital to assets | 8.1919% | 6,571 |
| Core capital (leverage) ratio | 7.6415% | 6,677 |
| Tier 1 risk-based capital ratio | 14.2485% | 4,162 |
| Total risk-based capital ratio | 15.0800% | 4,447 |
| Memoranda: | ||
| Average total assets | $70,596,500 | 5,766 |
| Average earning assets | $67,679,500 | 5,660 |
| Average equity | $5,519,500 | 6,329 |
| Average total loans | $25,473,750 | 6,452 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 6,869 |
| Cost of funding earning assets | 0.2807% | 7,335 |
| Net interest margin | 3.5650% | 4,858 |
| Noninterest income to average assets | 0.8400% | 1,837 |
| Noninterest expense to average assets | 3.4456% | 2,133 |
| Loan and lease loss provision to assets | 0.1714% | 4,215 |
| Net operating income to assets | 0.5127% | 4,447 |
| Return on assets (ROA) | 0.6400% | 3,977 |
| Pretax return on assets | 0.7914% | 4,061 |
| Return on Equity (ROE) | 8.3225% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.3225% | 1,334 |
| Net charge-offs to loans | 0.4349% | 2,837 |
| Credit loss provision to net charge-offs | 109.0909% | 2,812 |
| Earnings coverage of net charge-offs (x) | 5.1273% | 2,686 |
| Efficiency ratio | 81.0484% | 2,236 |
| Assets per employee ($millions) | 2.6527% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,802 |
| Loan loss allowance to noncurrent loans | 57.4257% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 5,313 |
| Noncurrent loans to loans | 1.9810% | 3,511 |
| Net loans and leases to total assets | 35.1865% | 7,002 |
| Net loans and leases to deposits | 38.4077% | 7,108 |
| Net loans and leases to core deposits | 38.4077% | 7,157 |
| Total domestic deposits to total assets | 91.6131% | 323 |
| Equity capital to assets | 7.8772% | 6,755 |
| Core capital (leverage) ratio | 7.5658% | 6,700 |
| Tier 1 risk-based capital ratio | 13.6466% | 4,417 |
| Total risk-based capital ratio | 14.4035% | 4,780 |
| Memoranda: | ||
| Average total assets | $70,003,330 | 5,826 |
| Average earning assets | $66,984,670 | 5,728 |
| Average equity | $5,383,000 | 6,416 |
| Average total loans | $25,293,330 | 6,528 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 6,907 |
| Cost of funding earning assets | 0.2946% | 7,396 |
| Net interest margin | 3.5411% | 4,846 |
| Noninterest income to average assets | 0.7862% | 2,087 |
| Noninterest expense to average assets | 3.3125% | 2,521 |
| Loan and lease loss provision to assets | 0.1734% | 3,891 |
| Net operating income to assets | 0.5839% | 4,118 |
| Return on assets (ROA) | 0.5839% | 4,185 |
| Pretax return on assets | 0.7053% | 4,290 |
| Return on Equity (ROE) | 7.6901% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.6901% | 1,844 |
| Net charge-offs to loans | 0.8732% | 1,515 |
| Credit loss provision to net charge-offs | 54.5455% | 3,660 |
| Earnings coverage of net charge-offs (x) | 2.7636% | 2,974 |
| Efficiency ratio | 79.0345% | 2,688 |
| Assets per employee ($millions) | 2.7140% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 6,263 |
| Loan loss allowance to noncurrent loans | 92.5267% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 6,013 |
| Noncurrent loans to loans | 1.1207% | 4,831 |
| Net loans and leases to total assets | 35.1657% | 7,044 |
| Net loans and leases to deposits | 38.6138% | 7,150 |
| Net loans and leases to core deposits | 38.6138% | 7,204 |
| Total domestic deposits to total assets | 91.0704% | 593 |
| Equity capital to assets | 7.6329% | 6,795 |
| Core capital (leverage) ratio | 7.8478% | 6,422 |
| Tier 1 risk-based capital ratio | 13.9944% | 4,074 |
| Total risk-based capital ratio | 14.7070% | 4,432 |
| Memoranda: | ||
| Average total assets | $69,193,000 | 5,889 |
| Average earning assets | $66,533,500 | 5,786 |
| Average equity | $5,253,500 | 6,469 |
| Average total loans | $25,194,000 | 6,582 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 6,641 |
| Cost of funding earning assets | 0.3399% | 7,477 |
| Net interest margin | 4.0454% | 2,820 |
| Noninterest income to average assets | 0.9621% | 1,635 |
| Noninterest expense to average assets | 3.9922% | 1,172 |
| Loan and lease loss provision to assets | 0.1982% | 5,251 |
| Net operating income to assets | 0.4537% | 4,297 |
| Return on assets (ROA) | 0.4683% | 4,403 |
| Pretax return on assets | 0.5162% | 4,560 |
| Return on Equity (ROE) | 5.6922% | 3,736 |
| Retained earnings to average equity (ytd only) | 4.1380% | 2,954 |
| Net charge-offs to loans | 0.3282% | 4,366 |
| Credit loss provision to net charge-offs | 155.0000% | 2,282 |
| Earnings coverage of net charge-offs (x) | 5.4625% | 2,618 |
| Efficiency ratio | 85.1107% | 1,792 |
| Assets per employee ($millions) | 2.5120% | 6,994 |
| Cash dividends to net income (ytd only)* | 27.3038% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,845 |
| Loan loss allowance to noncurrent loans | 73.2648% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 5,674 |
| Noncurrent loans to loans | 1.5367% | 4,188 |
| Net loans and leases to total assets | 36.9034% | 7,118 |
| Net loans and leases to deposits | 40.2661% | 7,245 |
| Net loans and leases to core deposits | 40.2661% | 7,298 |
| Total domestic deposits to total assets | 91.6489% | 358 |
| Equity capital to assets | 7.5505% | 6,854 |
| Core capital (leverage) ratio | 7.7142% | 6,534 |
| Tier 1 risk-based capital ratio | 13.5022% | 4,198 |
| Total risk-based capital ratio | 14.2711% | 4,545 |
| Memoranda: | ||
| Average total assets | $62,571,400 | 6,109 |
| Average earning assets | $57,670,600 | 6,074 |
| Average equity | $5,147,400 | 6,623 |
| Average total loans | $24,378,400 | 6,709 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 6,647 |
| Cost of funding earning assets | 0.3558% | 7,602 |
| Net interest margin | 4.1268% | 2,502 |
| Noninterest income to average assets | 0.9490% | 1,622 |
| Noninterest expense to average assets | 3.9373% | 1,143 |
| Loan and lease loss provision to assets | 0.2046% | 5,008 |
| Net operating income to assets | 0.4947% | 4,338 |
| Return on assets (ROA) | 0.5137% | 4,435 |
| Pretax return on assets | 0.5898% | 4,633 |
| Return on Equity (ROE) | 6.1052% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.1052% | 2,305 |
| Net charge-offs to loans | 0.4915% | 3,310 |
| Credit loss provision to net charge-offs | 105.6180% | 4,054 |
| Earnings coverage of net charge-offs (x) | 3.9889% | 3,228 |
| Efficiency ratio | 83.5952% | 1,880 |
| Assets per employee ($millions) | 2.3103% | 7,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 6,354 |
| Loan loss allowance to noncurrent loans | 57.0766% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 5,638 |
| Noncurrent loans to loans | 1.7684% | 3,995 |
| Net loans and leases to total assets | 36.0115% | 7,266 |
| Net loans and leases to deposits | 39.8635% | 7,375 |
| Net loans and leases to core deposits | 39.8635% | 7,430 |
| Total domestic deposits to total assets | 90.3370% | 703 |
| Equity capital to assets | 8.0898% | 6,720 |
| Core capital (leverage) ratio | 8.1533% | 6,112 |
| Tier 1 risk-based capital ratio | 14.6491% | 3,426 |
| Total risk-based capital ratio | 15.3658% | 3,730 |
| Memoranda: | ||
| Average total assets | $61,258,500 | 6,221 |
| Average earning assets | $55,828,250 | 6,200 |
| Average equity | $5,154,000 | 6,701 |
| Average total loans | $24,144,500 | 6,812 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 6,201 |
| Cost of funding earning assets | 0.3772% | 7,672 |
| Net interest margin | 4.3043% | 1,759 |
| Noninterest income to average assets | 0.9706% | 1,456 |
| Noninterest expense to average assets | 4.1115% | 910 |
| Loan and lease loss provision to assets | 0.2157% | 4,734 |
| Net operating income to assets | 0.4370% | 4,593 |
| Return on assets (ROA) | 0.4550% | 4,689 |
| Pretax return on assets | 0.5089% | 4,880 |
| Return on Equity (ROE) | 5.3304% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.3304% | 2,707 |
| Net charge-offs to loans | 0.7146% | 2,432 |
| Credit loss provision to net charge-offs | 74.4186% | 4,848 |
| Earnings coverage of net charge-offs (x) | 2.4302% | 3,779 |
| Efficiency ratio | 85.3744% | 1,780 |
| Assets per employee ($millions) | 2.0275% | 7,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,781 |
| Loan loss allowance to noncurrent loans | 65.5689% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 6,085 |
| Noncurrent loans to loans | 1.3621% | 4,670 |
| Net loans and leases to total assets | 39.9540% | 7,166 |
| Net loans and leases to deposits | 43.8261% | 7,325 |
| Net loans and leases to core deposits | 43.8261% | 7,404 |
| Total domestic deposits to total assets | 91.1648% | 424 |
| Equity capital to assets | 8.5228% | 6,137 |
| Core capital (leverage) ratio | 8.4452% | 5,501 |
| Tier 1 risk-based capital ratio | 14.5627% | 3,407 |
| Total risk-based capital ratio | 15.2100% | 3,722 |
| Memoranda: | ||
| Average total assets | $59,345,330 | 6,335 |
| Average earning assets | $53,016,670 | 6,363 |
| Average equity | $5,065,330 | 6,756 |
| Average total loans | $24,068,330 | 6,860 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5393% | 6,702 |
| Cost of funding earning assets | 0.3941% | 7,776 |
| Net interest margin | 4.1453% | 2,252 |
| Noninterest income to average assets | 0.9282% | 1,519 |
| Noninterest expense to average assets | 4.0474% | 964 |
| Loan and lease loss provision to assets | 0.2321% | 4,186 |
| Net operating income to assets | 0.3822% | 4,916 |
| Return on assets (ROA) | 0.3822% | 5,052 |
| Pretax return on assets | 0.3822% | 5,351 |
| Return on Equity (ROE) | 4.4746% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.4746% | 3,474 |
| Net charge-offs to loans | 1.2751% | 1,338 |
| Credit loss provision to net charge-offs | 44.7368% | 4,561 |
| Earnings coverage of net charge-offs (x) | 1.1842% | 4,058 |
| Efficiency ratio | 86.8228% | 1,707 |
| Assets per employee ($millions) | 2.1102% | 7,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 7,008 |
| Loan loss allowance to noncurrent loans | 47.3810% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 5,668 |
| Noncurrent loans to loans | 1.7823% | 4,077 |
| Net loans and leases to total assets | 39.5464% | 7,279 |
| Net loans and leases to deposits | 43.5372% | 7,420 |
| Net loans and leases to core deposits | 43.5372% | 7,494 |
| Total domestic deposits to total assets | 90.8335% | 605 |
| Equity capital to assets | 8.6333% | 5,829 |
| Core capital (leverage) ratio | 8.4739% | 5,416 |
| Tier 1 risk-based capital ratio | 14.4669% | 3,402 |
| Total risk-based capital ratio | 15.0607% | 3,745 |
| Memoranda: | ||
| Average total assets | $58,605,500 | 6,444 |
| Average earning assets | $52,783,000 | 6,446 |
| Average equity | $5,006,000 | 6,843 |
| Average total loans | $23,842,000 | 6,956 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 6,598 |
| Cost of funding earning assets | 0.5559% | 7,797 |
| Net interest margin | 4.3895% | 1,465 |
| Noninterest income to average assets | 1.2244% | 1,016 |
| Noninterest expense to average assets | 4.4435% | 843 |
| Loan and lease loss provision to assets | 0.1957% | 5,776 |
| Net operating income to assets | 0.4098% | 4,088 |
| Return on assets (ROA) | 0.0916% | 5,271 |
| Pretax return on assets | -0.0700% | 5,558 |
| Return on Equity (ROE) | 1.0899% | 5,207 |
| Retained earnings to average equity (ytd only) | 0.2351% | 4,770 |
| Net charge-offs to loans | 0.3818% | 4,297 |
| Credit loss provision to net charge-offs | 121.1111% | 4,404 |
| Earnings coverage of net charge-offs (x) | 3.8556% | 3,169 |
| Efficiency ratio | 87.7038% | 1,912 |
| Assets per employee ($millions) | 2.1528% | 7,610 |
| Cash dividends to net income (ytd only)* | 78.4314% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 6,392 |
| Loan loss allowance to noncurrent loans | 48.3936% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 5,335 |
| Noncurrent loans to loans | 2.0648% | 3,568 |
| Net loans and leases to total assets | 41.0797% | 7,296 |
| Net loans and leases to deposits | 45.1133% | 7,477 |
| Net loans and leases to core deposits | 46.3515% | 7,659 |
| Total domestic deposits to total assets | 91.0591% | 515 |
| Equity capital to assets | 8.4489% | 5,973 |
| Core capital (leverage) ratio | 8.6217% | 5,063 |
| Tier 1 risk-based capital ratio | 14.6985% | 3,100 |
| Total risk-based capital ratio | 15.4377% | 3,346 |
| Memoranda: | ||
| Average total assets | $55,698,800 | 6,505 |
| Average earning assets | $48,753,000 | 6,570 |
| Average equity | $4,679,400 | 7,057 |
| Average total loans | $23,574,200 | 6,999 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 6,566 |
| Cost of funding earning assets | 0.5892% | 7,892 |
| Net interest margin | 4.4230% | 1,386 |
| Noninterest income to average assets | 1.2125% | 1,049 |
| Noninterest expense to average assets | 4.4240% | 809 |
| Loan and lease loss provision to assets | 0.2009% | 5,380 |
| Net operating income to assets | 0.4844% | 4,056 |
| Return on assets (ROA) | 0.1065% | 5,497 |
| Pretax return on assets | -0.0968% | 5,842 |
| Return on Equity (ROE) | 1.2695% | 5,412 |
| Retained earnings to average equity (ytd only) | 1.2695% | 4,612 |
| Net charge-offs to loans | 0.4096% | 3,625 |
| Credit loss provision to net charge-offs | 115.2778% | 4,406 |
| Earnings coverage of net charge-offs (x) | 3.9860% | 3,310 |
| Efficiency ratio | 86.4303% | 2,018 |
| Assets per employee ($millions) | 1.9053% | 7,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 6,416 |
| Loan loss allowance to noncurrent loans | 52.7149% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 5,413 |
| Noncurrent loans to loans | 1.8498% | 3,843 |
| Net loans and leases to total assets | 42.8240% | 7,318 |
| Net loans and leases to deposits | 47.5226% | 7,518 |
| Net loans and leases to core deposits | 48.9329% | 7,711 |
| Total domestic deposits to total assets | 90.1129% | 725 |
| Equity capital to assets | 8.8518% | 5,706 |
| Core capital (leverage) ratio | 9.2010% | 4,337 |
| Tier 1 risk-based capital ratio | 15.0327% | 3,024 |
| Total risk-based capital ratio | 15.7588% | 3,218 |
| Memoranda: | ||
| Average total assets | $55,092,000 | 6,573 |
| Average earning assets | $48,654,000 | 6,626 |
| Average equity | $4,621,500 | 7,137 |
| Average total loans | $23,438,000 | 7,067 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 6,939 |
| Cost of funding earning assets | 0.6133% | 7,981 |
| Net interest margin | 4.3299% | 1,576 |
| Noninterest income to average assets | 1.1519% | 1,178 |
| Noninterest expense to average assets | 4.4733% | 794 |
| Loan and lease loss provision to assets | 0.1853% | 5,176 |
| Net operating income to assets | 0.3978% | 4,522 |
| Return on assets (ROA) | 0.0908% | 5,690 |
| Pretax return on assets | -0.1381% | 6,048 |
| Return on Equity (ROE) | 1.1033% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.1033% | 4,719 |
| Net charge-offs to loans | 0.3951% | 3,225 |
| Credit loss provision to net charge-offs | 110.8696% | 4,176 |
| Earnings coverage of net charge-offs (x) | 3.1522% | 3,543 |
| Efficiency ratio | 89.4622% | 1,863 |
| Assets per employee ($millions) | 1.8265% | 7,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 6,483 |
| Loan loss allowance to noncurrent loans | 81.0036% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 6,057 |
| Noncurrent loans to loans | 1.1892% | 4,842 |
| Net loans and leases to total assets | 42.4046% | 7,423 |
| Net loans and leases to deposits | 47.2200% | 7,584 |
| Net loans and leases to core deposits | 48.6343% | 7,786 |
| Total domestic deposits to total assets | 89.8022% | 911 |
| Equity capital to assets | 8.5353% | 5,996 |
| Core capital (leverage) ratio | 9.1870% | 4,321 |
| Tier 1 risk-based capital ratio | 14.7473% | 3,125 |
| Total risk-based capital ratio | 15.4408% | 3,346 |
| Memoranda: | ||
| Average total assets | $55,038,000 | 6,635 |
| Average earning assets | $48,915,670 | 6,677 |
| Average equity | $4,531,670 | 7,232 |
| Average total loans | $23,285,670 | 7,128 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 7,390 |
| Cost of funding earning assets | 0.6315% | 8,033 |
| Net interest margin | 4.1535% | 2,081 |
| Noninterest income to average assets | 1.1023% | 1,228 |
| Noninterest expense to average assets | 4.3003% | 852 |
| Loan and lease loss provision to assets | 0.1523% | 4,981 |
| Net operating income to assets | 0.3219% | 5,203 |
| Return on assets (ROA) | 0.3408% | 5,291 |
| Pretax return on assets | 0.3916% | 5,422 |
| Return on Equity (ROE) | 4.2162% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.2162% | 3,562 |
| Net charge-offs to loans | 0.0862% | 4,304 |
| Credit loss provision to net charge-offs | 420.0000% | 1,257 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 1,670 |
| Efficiency ratio | 89.1729% | 1,791 |
| Assets per employee ($millions) | 1.7755% | 8,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 5,984 |
| Loan loss allowance to noncurrent loans | 75.7188% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 5,762 |
| Noncurrent loans to loans | 1.3542% | 4,283 |
| Net loans and leases to total assets | 41.5633% | 7,492 |
| Net loans and leases to deposits | 45.4556% | 7,682 |
| Net loans and leases to core deposits | 46.4969% | 7,857 |
| Total domestic deposits to total assets | 91.4370% | 288 |
| Equity capital to assets | 8.1360% | 6,615 |
| Core capital (leverage) ratio | 9.2907% | 4,258 |
| Tier 1 risk-based capital ratio | 14.4137% | 3,353 |
| Total risk-based capital ratio | 15.1214% | 3,582 |
| Memoranda: | ||
| Average total assets | $55,159,000 | 6,665 |
| Average earning assets | $49,404,000 | 6,691 |
| Average equity | $4,459,000 | 7,297 |
| Average total loans | $23,197,500 | 7,174 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4450% | 7,405 |
| Cost of funding earning assets | 0.7430% | 8,134 |
| Net interest margin | 4.7020% | 968 |
| Noninterest income to average assets | 1.2941% | 874 |
| Noninterest expense to average assets | 4.6156% | 806 |
| Loan and lease loss provision to assets | 0.1629% | 5,295 |
| Net operating income to assets | 0.6391% | 4,147 |
| Return on assets (ROA) | 0.6442% | 3,979 |
| Pretax return on assets | 0.7181% | 4,341 |
| Return on Equity (ROE) | 7.4213% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.6751% | 1,680 |
| Net charge-offs to loans | 0.1783% | 4,412 |
| Credit loss provision to net charge-offs | 209.7561% | 2,302 |
| Earnings coverage of net charge-offs (x) | 11.2683% | 2,389 |
| Efficiency ratio | 84.0580% | 2,049 |
| Assets per employee ($millions) | 1.8426% | 8,017 |
| Cash dividends to net income (ytd only)* | 23.5294% | 4,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 6,398 |
| Loan loss allowance to noncurrent loans | 78.9286% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 5,665 |
| Noncurrent loans to loans | 1.2026% | 4,107 |
| Net loans and leases to total assets | 41.7175% | 7,602 |
| Net loans and leases to deposits | 45.7179% | 7,791 |
| Net loans and leases to core deposits | 46.5869% | 7,955 |
| Total domestic deposits to total assets | 91.2498% | 262 |
| Equity capital to assets | 8.0320% | 6,802 |
| Core capital (leverage) ratio | 9.3305% | 4,257 |
| Tier 1 risk-based capital ratio | 14.9081% | 3,084 |
| Total risk-based capital ratio | 15.5974% | 3,286 |
| Memoranda: | ||
| Average total assets | $52,777,400 | 6,670 |
| Average earning assets | $47,107,400 | 6,706 |
| Average equity | $4,581,400 | 7,307 |
| Average total loans | $22,998,200 | 7,137 |