Home > The First National Bank of Pawnee > Performance and Condition Ratios
The First National Bank of Pawnee, Performance and Condition Ratios
| 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 | 4.0768% | 4,090 |
| Cost of funding earning assets | 0.3378% | 4,631 |
| Net interest margin | 3.7390% | 2,697 |
| Noninterest income to average assets | 0.6803% | 1,883 |
| Noninterest expense to average assets | 3.4049% | 1,109 |
| Loan and lease loss provision to assets | 0.3578% | 420 |
| Net operating income to assets | 0.4687% | 4,472 |
| Return on assets (ROA) | 0.4855% | 4,486 |
| Pretax return on assets | 0.4855% | 4,602 |
| Return on Equity (ROE) | 3.2755% | 4,613 |
| Retained earnings to average equity (ytd only) | -3.3888% | 4,925 |
| Net charge-offs to loans | 0.3176% | 650 |
| Credit loss provision to net charge-offs | 259.7561% | 1,064 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,022 |
| Efficiency ratio | 80.4684% | 904 |
| Assets per employee ($millions) | 3.5332% | 4,448 |
| Cash dividends to net income (ytd only)* | 203.4602% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3189% | 278 |
| Loan loss allowance to noncurrent loans | 21.8373% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 4.4070% | 78 |
| Noncurrent loans to loans | 10.6192% | 22 |
| Net loans and leases to total assets | 39.3430% | 4,758 |
| Net loans and leases to deposits | 46.2329% | 4,782 |
| Net loans and leases to core deposits | 46.5095% | 4,825 |
| Total domestic deposits to total assets | 85.0976% | 2,453 |
| Equity capital to assets | 14.8292% | 837 |
| Core capital (leverage) ratio | 14.6253% | 771 |
| Tier 1 risk-based capital ratio | 26.2056% | 660 |
| Total risk-based capital ratio | 27.4602% | 649 |
| Memoranda: | ||
| Average total assets | $59,532,000 | 4,600 |
| Average earning assets | $56,538,800 | 4,580 |
| Average equity | $8,823,200 | 4,403 |
| Average total loans | $25,819,000 | 4,731 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 3,539 |
| Cost of funding earning assets | 0.3161% | 4,762 |
| Net interest margin | 4.0267% | 1,845 |
| Noninterest income to average assets | 0.6936% | 1,815 |
| Noninterest expense to average assets | 3.4096% | 1,072 |
| Loan and lease loss provision to assets | 0.4579% | 271 |
| Net operating income to assets | 0.6577% | 4,142 |
| Return on assets (ROA) | 0.6779% | 4,147 |
| Pretax return on assets | 0.6779% | 4,393 |
| Return on Equity (ROE) | 4.5745% | 4,462 |
| Retained earnings to average equity (ytd only) | -2.6205% | 4,966 |
| Net charge-offs to loans | 0.6050% | 265 |
| Credit loss provision to net charge-offs | 171.4286% | 1,482 |
| Earnings coverage of net charge-offs (x) | 4.1765% | 3,037 |
| Efficiency ratio | 75.3472% | 1,409 |
| Assets per employee ($millions) | 3.0631% | 4,856 |
| Cash dividends to net income (ytd only)* | 157.2841% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0186% | 452 |
| Loan loss allowance to noncurrent loans | 74.6377% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 892 |
| Noncurrent loans to loans | 2.7045% | 399 |
| Net loans and leases to total assets | 42.9534% | 4,723 |
| Net loans and leases to deposits | 50.9052% | 4,749 |
| Net loans and leases to core deposits | 51.2202% | 4,809 |
| Total domestic deposits to total assets | 84.3792% | 2,685 |
| Equity capital to assets | 15.4902% | 730 |
| Core capital (leverage) ratio | 14.7903% | 790 |
| Tier 1 risk-based capital ratio | 26.8527% | 656 |
| Total risk-based capital ratio | 28.1043% | 642 |
| Memoranda: | ||
| Average total assets | $59,399,000 | 4,668 |
| Average earning assets | $56,521,500 | 4,645 |
| Average equity | $8,802,250 | 4,452 |
| Average total loans | $26,225,750 | 4,793 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 3,491 |
| Cost of funding earning assets | 0.2956% | 4,837 |
| Net interest margin | 4.0540% | 1,746 |
| Noninterest income to average assets | 0.7090% | 1,680 |
| Noninterest expense to average assets | 3.3144% | 1,259 |
| Loan and lease loss provision to assets | 0.0602% | 2,621 |
| Net operating income to assets | 1.1873% | 2,193 |
| Return on assets (ROA) | 1.2141% | 2,155 |
| Pretax return on assets | 1.2141% | 2,856 |
| Return on Equity (ROE) | 8.3149% | 3,153 |
| Retained earnings to average equity (ytd only) | -0.2749% | 4,727 |
| Net charge-offs to loans | 0.2192% | 763 |
| Credit loss provision to net charge-offs | 62.0690% | 2,389 |
| Earnings coverage of net charge-offs (x) | 12.8621% | 2,130 |
| Efficiency ratio | 72.6540% | 1,820 |
| Assets per employee ($millions) | 2.9482% | 4,936 |
| Cash dividends to net income (ytd only)* | 103.3058% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 1,056 |
| Loan loss allowance to noncurrent loans | 72.4913% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 1,192 |
| Noncurrent loans to loans | 2.1876% | 619 |
| Net loans and leases to total assets | 44.0998% | 4,722 |
| Net loans and leases to deposits | 52.1866% | 4,735 |
| Net loans and leases to core deposits | 52.5027% | 4,809 |
| Total domestic deposits to total assets | 84.5041% | 2,683 |
| Equity capital to assets | 15.3789% | 730 |
| Core capital (leverage) ratio | 14.6414% | 788 |
| Tier 1 risk-based capital ratio | 26.8809% | 629 |
| Total risk-based capital ratio | 28.1293% | 621 |
| Memoranda: | ||
| Average total assets | $59,799,330 | 4,698 |
| Average earning assets | $56,833,000 | 4,673 |
| Average equity | $8,731,330 | 4,479 |
| Average total loans | $26,463,330 | 4,821 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 3,692 |
| Cost of funding earning assets | 0.2655% | 4,939 |
| Net interest margin | 3.9897% | 1,876 |
| Noninterest income to average assets | 0.7573% | 1,411 |
| Noninterest expense to average assets | 3.3080% | 1,272 |
| Loan and lease loss provision to assets | 0.0598% | 2,458 |
| Net operating income to assets | 1.1824% | 2,120 |
| Return on assets (ROA) | 1.2222% | 2,021 |
| Pretax return on assets | 1.2222% | 2,723 |
| Return on Equity (ROE) | 8.5951% | 2,991 |
| Retained earnings to average equity (ytd only) | 1.5882% | 4,169 |
| Net charge-offs to loans | -0.1359% | 5,102 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7007% | 1,926 |
| Assets per employee ($millions) | 3.0158% | 4,968 |
| Cash dividends to net income (ytd only)* | 81.5217% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7106% | 841 |
| Loan loss allowance to noncurrent loans | 72.7273% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 1,109 |
| Noncurrent loans to loans | 2.3520% | 574 |
| Net loans and leases to total assets | 42.6786% | 4,807 |
| Net loans and leases to deposits | 49.9408% | 4,815 |
| Net loans and leases to core deposits | 49.9408% | 4,893 |
| Total domestic deposits to total assets | 85.4583% | 2,502 |
| Equity capital to assets | 14.4821% | 882 |
| Core capital (leverage) ratio | 14.6412% | 779 |
| Tier 1 risk-based capital ratio | 26.9519% | 621 |
| Total risk-based capital ratio | 28.2031% | 611 |
| Memoranda: | ||
| Average total assets | $60,217,000 | 4,744 |
| Average earning assets | $57,247,000 | 4,714 |
| Average equity | $8,563,000 | 4,529 |
| Average total loans | $26,484,000 | 4,873 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 3,859 |
| Cost of funding earning assets | 0.2914% | 4,610 |
| Net interest margin | 3.7725% | 2,768 |
| Noninterest income to average assets | 0.6658% | 1,984 |
| Noninterest expense to average assets | 3.2643% | 1,407 |
| Loan and lease loss provision to assets | 0.0582% | 2,999 |
| Net operating income to assets | 0.9421% | 3,281 |
| Return on assets (ROA) | 0.8435% | 3,628 |
| Pretax return on assets | 0.8435% | 4,057 |
| Return on Equity (ROE) | 6.2998% | 4,067 |
| Retained earnings to average equity (ytd only) | 1.7741% | 4,439 |
| Net charge-offs to loans | 0.1043% | 1,717 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 22.9259% | 1,873 |
| Efficiency ratio | 76.5441% | 1,288 |
| Assets per employee ($millions) | 3.1641% | 4,872 |
| Cash dividends to net income (ytd only)* | 71.8391% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,020 |
| Loan loss allowance to noncurrent loans | 64.1791% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2991% | 982 |
| Noncurrent loans to loans | 2.5021% | 483 |
| Net loans and leases to total assets | 43.8271% | 4,824 |
| Net loans and leases to deposits | 50.9632% | 4,855 |
| Net loans and leases to core deposits | 50.9632% | 4,916 |
| Total domestic deposits to total assets | 85.9975% | 2,228 |
| Equity capital to assets | 13.9576% | 985 |
| Core capital (leverage) ratio | 14.5548% | 785 |
| Tier 1 risk-based capital ratio | 26.4261% | 646 |
| Total risk-based capital ratio | 27.6756% | 636 |
| Memoranda: | ||
| Average total assets | $61,881,600 | 4,722 |
| Average earning assets | $59,032,000 | 4,690 |
| Average equity | $8,286,000 | 4,558 |
| Average total loans | $25,896,600 | 4,912 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,905 |
| Cost of funding earning assets | 0.2753% | 4,655 |
| Net interest margin | 3.7314% | 2,894 |
| Noninterest income to average assets | 0.6525% | 2,060 |
| Noninterest expense to average assets | 3.2647% | 1,383 |
| Loan and lease loss provision to assets | 0.0578% | 2,823 |
| Net operating income to assets | 0.8964% | 3,546 |
| Return on assets (ROA) | 0.8964% | 3,554 |
| Pretax return on assets | 0.8964% | 4,033 |
| Return on Equity (ROE) | 6.7635% | 4,012 |
| Retained earnings to average equity (ytd only) | 0.7103% | 4,913 |
| Net charge-offs to loans | 0.1039% | 1,448 |
| Credit loss provision to net charge-offs | 135.0000% | 1,842 |
| Earnings coverage of net charge-offs (x) | 22.2966% | 1,885 |
| Efficiency ratio | 77.3834% | 1,188 |
| Assets per employee ($millions) | 3.2085% | 4,881 |
| Cash dividends to net income (ytd only)* | 89.4997% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 1,025 |
| Loan loss allowance to noncurrent loans | 107.2682% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 1,770 |
| Noncurrent loans to loans | 1.5115% | 1,076 |
| Net loans and leases to total assets | 42.5994% | 4,929 |
| Net loans and leases to deposits | 52.1455% | 4,884 |
| Net loans and leases to core deposits | 52.1455% | 4,965 |
| Total domestic deposits to total assets | 81.6932% | 3,692 |
| Equity capital to assets | 13.2314% | 1,241 |
| Core capital (leverage) ratio | 14.1015% | 907 |
| Tier 1 risk-based capital ratio | 23.5626% | 882 |
| Total risk-based capital ratio | 24.7141% | 875 |
| Memoranda: | ||
| Average total assets | $62,322,500 | 4,766 |
| Average earning assets | $59,565,250 | 4,722 |
| Average equity | $8,259,750 | 4,611 |
| Average total loans | $25,676,250 | 4,978 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,884 |
| Cost of funding earning assets | 0.2568% | 4,716 |
| Net interest margin | 3.7090% | 2,890 |
| Noninterest income to average assets | 0.6531% | 2,079 |
| Noninterest expense to average assets | 3.1572% | 1,644 |
| Loan and lease loss provision to assets | 0.0573% | 2,761 |
| Net operating income to assets | 0.9813% | 3,101 |
| Return on assets (ROA) | 0.9813% | 3,107 |
| Pretax return on assets | 0.9813% | 3,721 |
| Return on Equity (ROE) | 7.4000% | 3,766 |
| Retained earnings to average equity (ytd only) | 1.0812% | 4,735 |
| Net charge-offs to loans | 0.1651% | 940 |
| Credit loss provision to net charge-offs | 85.7143% | 2,205 |
| Earnings coverage of net charge-offs (x) | 15.5238% | 2,039 |
| Efficiency ratio | 75.2468% | 1,525 |
| Assets per employee ($millions) | 3.2856% | 4,833 |
| Cash dividends to net income (ytd only)* | 85.3896% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 1,136 |
| Loan loss allowance to noncurrent loans | 70.1342% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 1,296 |
| Noncurrent loans to loans | 2.2708% | 602 |
| Net loans and leases to total assets | 41.3738% | 5,010 |
| Net loans and leases to deposits | 50.4808% | 4,967 |
| Net loans and leases to core deposits | 50.4808% | 5,033 |
| Total domestic deposits to total assets | 81.9594% | 3,734 |
| Equity capital to assets | 13.1067% | 1,255 |
| Core capital (leverage) ratio | 13.7164% | 988 |
| Tier 1 risk-based capital ratio | 25.0086% | 731 |
| Total risk-based capital ratio | 26.2019% | 721 |
| Memoranda: | ||
| Average total assets | $62,776,330 | 4,809 |
| Average earning assets | $59,962,000 | 4,766 |
| Average equity | $8,324,330 | 4,639 |
| Average total loans | $25,436,000 | 5,041 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,988 |
| Cost of funding earning assets | 0.2595% | 4,654 |
| Net interest margin | 3.6192% | 3,107 |
| Noninterest income to average assets | 0.6608% | 1,993 |
| Noninterest expense to average assets | 3.3423% | 1,264 |
| Loan and lease loss provision to assets | 0.0572% | 2,630 |
| Net operating income to assets | 0.7180% | 4,038 |
| Return on assets (ROA) | 0.7180% | 4,049 |
| Pretax return on assets | 0.7180% | 4,391 |
| Return on Equity (ROE) | 5.3838% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.8105% | 4,408 |
| Net charge-offs to loans | 0.1758% | 831 |
| Credit loss provision to net charge-offs | 81.8182% | 1,732 |
| Earnings coverage of net charge-offs (x) | 11.0909% | 1,867 |
| Efficiency ratio | 81.1728% | 1,029 |
| Assets per employee ($millions) | 3.3357% | 4,859 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 1,110 |
| Loan loss allowance to noncurrent loans | 90.8894% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 1,698 |
| Noncurrent loans to loans | 1.7841% | 947 |
| Net loans and leases to total assets | 40.1079% | 5,068 |
| Net loans and leases to deposits | 48.3261% | 5,030 |
| Net loans and leases to core deposits | 48.3261% | 5,091 |
| Total domestic deposits to total assets | 82.9944% | 3,669 |
| Equity capital to assets | 12.9822% | 1,256 |
| Core capital (leverage) ratio | 13.7801% | 925 |
| Tier 1 risk-based capital ratio | 23.5422% | 886 |
| Total risk-based capital ratio | 24.6692% | 878 |
| Memoranda: | ||
| Average total assets | $62,951,500 | 4,870 |
| Average earning assets | $60,123,000 | 4,823 |
| Average equity | $8,395,500 | 4,685 |
| Average total loans | $25,031,000 | 5,104 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 3,982 |
| Cost of funding earning assets | 0.1830% | 5,074 |
| Net interest margin | 3.6371% | 3,035 |
| Noninterest income to average assets | 0.6619% | 2,131 |
| Noninterest expense to average assets | 3.2542% | 1,483 |
| Loan and lease loss provision to assets | 0.0520% | 3,188 |
| Net operating income to assets | 0.8006% | 3,153 |
| Return on assets (ROA) | 0.8258% | 3,094 |
| Pretax return on assets | 0.8258% | 4,183 |
| Return on Equity (ROE) | 6.1410% | 3,700 |
| Retained earnings to average equity (ytd only) | 1.7462% | 4,269 |
| Net charge-offs to loans | 0.2049% | 1,263 |
| Credit loss provision to net charge-offs | 67.3469% | 3,126 |
| Earnings coverage of net charge-offs (x) | 11.0408% | 2,609 |
| Efficiency ratio | 79.2402% | 1,193 |
| Assets per employee ($millions) | 3.1262% | 5,105 |
| Cash dividends to net income (ytd only)* | 71.5649% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 878 |
| Loan loss allowance to noncurrent loans | 55.3947% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.3931% | 1,011 |
| Noncurrent loans to loans | 3.1375% | 344 |
| Net loans and leases to total assets | 38.0686% | 5,218 |
| Net loans and leases to deposits | 44.9739% | 5,218 |
| Net loans and leases to core deposits | 44.9739% | 5,265 |
| Total domestic deposits to total assets | 84.6459% | 2,974 |
| Equity capital to assets | 13.6955% | 989 |
| Core capital (leverage) ratio | 13.8406% | 872 |
| Tier 1 risk-based capital ratio | 24.4570% | 773 |
| Total risk-based capital ratio | 25.6384% | 763 |
| Memoranda: | ||
| Average total assets | $63,456,200 | 4,888 |
| Average earning assets | $60,102,200 | 4,851 |
| Average equity | $8,532,800 | 4,700 |
| Average total loans | $23,908,600 | 5,196 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 4,018 |
| Cost of funding earning assets | 0.1727% | 5,178 |
| Net interest margin | 3.6262% | 3,050 |
| Noninterest income to average assets | 0.6783% | 2,093 |
| Noninterest expense to average assets | 3.3035% | 1,338 |
| Loan and lease loss provision to assets | 0.0502% | 3,089 |
| Net operating income to assets | 0.7536% | 3,717 |
| Return on assets (ROA) | 0.7871% | 3,630 |
| Pretax return on assets | 0.7871% | 4,385 |
| Return on Equity (ROE) | 5.8804% | 4,176 |
| Retained earnings to average equity (ytd only) | 0.0156% | 5,205 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4281% | 1,056 |
| Assets per employee ($millions) | 3.1587% | 5,115 |
| Cash dividends to net income (ytd only)* | 99.7347% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 646 |
| Loan loss allowance to noncurrent loans | 67.8940% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.3803% | 1,138 |
| Noncurrent loans to loans | 2.8588% | 467 |
| Net loans and leases to total assets | 36.8664% | 5,314 |
| Net loans and leases to deposits | 42.7661% | 5,347 |
| Net loans and leases to core deposits | 42.7661% | 5,398 |
| Total domestic deposits to total assets | 86.2048% | 2,229 |
| Equity capital to assets | 13.6955% | 1,078 |
| Core capital (leverage) ratio | 13.4132% | 1,055 |
| Tier 1 risk-based capital ratio | 24.1712% | 833 |
| Total risk-based capital ratio | 25.4211% | 815 |
| Memoranda: | ||
| Average total assets | $63,689,250 | 4,940 |
| Average earning assets | $60,226,250 | 4,907 |
| Average equity | $8,525,250 | 4,742 |
| Average total loans | $23,830,000 | 5,251 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 3,984 |
| Cost of funding earning assets | 0.1721% | 5,190 |
| Net interest margin | 3.6016% | 3,035 |
| Noninterest income to average assets | 0.6608% | 2,163 |
| Noninterest expense to average assets | 3.2320% | 1,511 |
| Loan and lease loss provision to assets | 0.0564% | 2,845 |
| Net operating income to assets | 0.7798% | 3,487 |
| Return on assets (ROA) | 0.8205% | 3,351 |
| Pretax return on assets | 0.8205% | 4,199 |
| Return on Equity (ROE) | 6.1771% | 3,965 |
| Retained earnings to average equity (ytd only) | -0.8959% | 5,220 |
| Net charge-offs to loans | -0.0084% | 4,478 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4457% | 1,277 |
| Assets per employee ($millions) | 3.1995% | 5,098 |
| Cash dividends to net income (ytd only)* | 114.5038% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8793% | 749 |
| Loan loss allowance to noncurrent loans | 151.4950% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 2,277 |
| Noncurrent loans to loans | 1.2405% | 1,562 |
| Net loans and leases to total assets | 37.2058% | 5,328 |
| Net loans and leases to deposits | 43.0571% | 5,366 |
| Net loans and leases to core deposits | 43.0571% | 5,420 |
| Total domestic deposits to total assets | 86.4104% | 2,191 |
| Equity capital to assets | 13.4974% | 1,143 |
| Core capital (leverage) ratio | 13.2295% | 1,091 |
| Tier 1 risk-based capital ratio | 24.1607% | 837 |
| Total risk-based capital ratio | 25.4101% | 811 |
| Memoranda: | ||
| Average total assets | $63,861,000 | 4,975 |
| Average earning assets | $60,418,000 | 4,940 |
| Average equity | $8,483,000 | 4,770 |
| Average total loans | $23,856,330 | 5,289 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 4,123 |
| Cost of funding earning assets | 0.1657% | 5,261 |
| Net interest margin | 3.5329% | 3,152 |
| Noninterest income to average assets | 0.7148% | 1,900 |
| Noninterest expense to average assets | 3.2102% | 1,580 |
| Loan and lease loss provision to assets | 0.0564% | 2,678 |
| Net operating income to assets | 0.7900% | 3,268 |
| Return on assets (ROA) | 0.8778% | 2,919 |
| Pretax return on assets | 0.8778% | 3,841 |
| Return on Equity (ROE) | 6.6619% | 3,573 |
| Retained earnings to average equity (ytd only) | -0.4759% | 4,994 |
| Net charge-offs to loans | -0.0676% | 5,310 |
| Credit loss provision to net charge-offs | -225.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1345% | 1,472 |
| Assets per employee ($millions) | 3.1975% | 5,166 |
| Cash dividends to net income (ytd only)* | 107.1429% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 806 |
| Loan loss allowance to noncurrent loans | 126.0504% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 2,326 |
| Noncurrent loans to loans | 1.4954% | 1,339 |
| Net loans and leases to total assets | 36.6276% | 5,380 |
| Net loans and leases to deposits | 42.2264% | 5,410 |
| Net loans and leases to core deposits | 42.2264% | 5,458 |
| Total domestic deposits to total assets | 86.7410% | 2,337 |
| Equity capital to assets | 13.2074% | 1,182 |
| Core capital (leverage) ratio | 13.3679% | 1,011 |
| Tier 1 risk-based capital ratio | 24.2016% | 847 |
| Total risk-based capital ratio | 25.4519% | 829 |
| Memoranda: | ||
| Average total assets | $63,796,500 | 5,039 |
| Average earning assets | $60,346,500 | 4,991 |
| Average equity | $8,406,000 | 4,825 |
| Average total loans | $23,652,500 | 5,347 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,183 |
| Cost of funding earning assets | 0.1760% | 5,244 |
| Net interest margin | 3.5335% | 3,305 |
| Noninterest income to average assets | 0.7099% | 2,129 |
| Noninterest expense to average assets | 3.0591% | 2,147 |
| Loan and lease loss provision to assets | -0.4479% | 5,870 |
| Net operating income to assets | 1.4625% | 895 |
| Return on assets (ROA) | 1.4656% | 916 |
| Pretax return on assets | 1.4656% | 1,695 |
| Return on Equity (ROE) | 11.3661% | 1,444 |
| Retained earnings to average equity (ytd only) | 5.0096% | 2,340 |
| Net charge-offs to loans | 0.1543% | 1,722 |
| Credit loss provision to net charge-offs | -794.5946% | 5,263 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 2,003 |
| Efficiency ratio | 75.0935% | 2,127 |
| Assets per employee ($millions) | 3.1822% | 5,170 |
| Cash dividends to net income (ytd only)* | 55.9252% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 855 |
| Loan loss allowance to noncurrent loans | 78.1753% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.0480% | 1,805 |
| Noncurrent loans to loans | 2.3856% | 673 |
| Net loans and leases to total assets | 36.1307% | 5,479 |
| Net loans and leases to deposits | 41.6176% | 5,502 |
| Net loans and leases to core deposits | 41.8456% | 5,550 |
| Total domestic deposits to total assets | 86.8157% | 2,236 |
| Equity capital to assets | 13.1450% | 1,198 |
| Core capital (leverage) ratio | 13.4798% | 975 |
| Tier 1 risk-based capital ratio | 24.8434% | 783 |
| Total risk-based capital ratio | 26.0934% | 770 |
| Memoranda: | ||
| Average total assets | $65,640,200 | 5,018 |
| Average earning assets | $62,487,200 | 4,970 |
| Average equity | $8,463,800 | 4,849 |
| Average total loans | $23,976,200 | 5,396 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,201 |
| Cost of funding earning assets | 0.1734% | 5,318 |
| Net interest margin | 3.5422% | 3,306 |
| Noninterest income to average assets | 0.7297% | 2,047 |
| Noninterest expense to average assets | 3.0238% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0825% | 2,076 |
| Return on assets (ROA) | 1.0866% | 2,155 |
| Pretax return on assets | 1.0866% | 3,284 |
| Return on Equity (ROE) | 8.4664% | 2,775 |
| Retained earnings to average equity (ytd only) | 0.0157% | 5,340 |
| Net charge-offs to loans | 0.0719% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 41.3145% | 1,209 |
| Efficiency ratio | 73.6377% | 2,354 |
| Assets per employee ($millions) | 3.1939% | 5,188 |
| Cash dividends to net income (ytd only)* | 99.8149% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9515% | 781 |
| Loan loss allowance to noncurrent loans | 155.7432% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 3,013 |
| Noncurrent loans to loans | 1.2530% | 1,785 |
| Net loans and leases to total assets | 36.2603% | 5,541 |
| Net loans and leases to deposits | 42.1756% | 5,577 |
| Net loans and leases to core deposits | 42.4073% | 5,626 |
| Total domestic deposits to total assets | 85.9746% | 2,369 |
| Equity capital to assets | 13.9362% | 1,062 |
| Core capital (leverage) ratio | 12.9990% | 1,195 |
| Tier 1 risk-based capital ratio | 24.5583% | 854 |
| Total risk-based capital ratio | 25.8070% | 841 |
| Memoranda: | ||
| Average total assets | $66,139,250 | 5,049 |
| Average earning assets | $63,048,500 | 5,003 |
| Average equity | $8,488,250 | 4,892 |
| Average total loans | $24,112,250 | 5,443 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 4,250 |
| Cost of funding earning assets | 0.1760% | 5,361 |
| Net interest margin | 3.5391% | 3,335 |
| Noninterest income to average assets | 0.7744% | 1,829 |
| Noninterest expense to average assets | 2.9659% | 2,462 |
| Loan and lease loss provision to assets | 0.1794% | 1,218 |
| Net operating income to assets | 0.9956% | 2,415 |
| Return on assets (ROA) | 1.0016% | 2,525 |
| Pretax return on assets | 1.0016% | 3,578 |
| Return on Equity (ROE) | 8.0236% | 2,965 |
| Retained earnings to average equity (ytd only) | -3.0418% | 5,636 |
| Net charge-offs to loans | -1.2193% | 6,000 |
| Credit loss provision to net charge-offs | -40.5405% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6245% | 2,729 |
| Assets per employee ($millions) | 3.4047% | 4,919 |
| Cash dividends to net income (ytd only)* | 137.9104% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0135% | 77 |
| Loan loss allowance to noncurrent loans | 175.8559% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 2,228 |
| Noncurrent loans to loans | 2.2823% | 803 |
| Net loans and leases to total assets | 36.0829% | 5,603 |
| Net loans and leases to deposits | 41.6502% | 5,633 |
| Net loans and leases to core deposits | 41.8743% | 5,686 |
| Total domestic deposits to total assets | 86.6332% | 2,092 |
| Equity capital to assets | 13.1504% | 1,418 |
| Core capital (leverage) ratio | 12.0555% | 1,587 |
| Tier 1 risk-based capital ratio | 23.0369% | 1,011 |
| Total risk-based capital ratio | 24.3044% | 987 |
| Memoranda: | ||
| Average total assets | $66,893,330 | 5,084 |
| Average earning assets | $63,632,000 | 5,038 |
| Average equity | $8,350,330 | 4,959 |
| Average total loans | $24,275,330 | 5,491 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 4,080 |
| Cost of funding earning assets | 0.1740% | 5,434 |
| Net interest margin | 3.5914% | 3,118 |
| Noninterest income to average assets | 0.5942% | 2,570 |
| Noninterest expense to average assets | 2.8120% | 3,022 |
| Loan and lease loss provision to assets | 0.1765% | 1,155 |
| Net operating income to assets | 1.0060% | 2,250 |
| Return on assets (ROA) | 1.0060% | 2,364 |
| Pretax return on assets | 1.0060% | 3,460 |
| Return on Equity (ROE) | 8.2689% | 2,773 |
| Retained earnings to average equity (ytd only) | -6.8182% | 5,712 |
| Net charge-offs to loans | -1.4018% | 6,056 |
| Credit loss provision to net charge-offs | -35.2941% | 4,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3976% | 3,053 |
| Assets per employee ($millions) | 3.3452% | 5,058 |
| Cash dividends to net income (ytd only)* | 182.4561% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6094% | 119 |
| Loan loss allowance to noncurrent loans | 127.2334% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1360% | 1,945 |
| Noncurrent loans to loans | 2.8368% | 600 |
| Net loans and leases to total assets | 35.2466% | 5,667 |
| Net loans and leases to deposits | 40.2523% | 5,706 |
| Net loans and leases to core deposits | 40.6618% | 5,757 |
| Total domestic deposits to total assets | 87.5641% | 1,883 |
| Equity capital to assets | 12.4015% | 1,748 |
| Core capital (leverage) ratio | 11.7892% | 1,761 |
| Tier 1 risk-based capital ratio | 22.5234% | 1,089 |
| Total risk-based capital ratio | 23.7874% | 1,057 |
| Memoranda: | ||
| Average total assets | $67,995,000 | 5,117 |
| Average earning assets | $64,376,000 | 5,069 |
| Average equity | $8,272,000 | 5,002 |
| Average total loans | $24,254,000 | 5,544 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 4,641 |
| Cost of funding earning assets | 0.1787% | 5,472 |
| Net interest margin | 3.4316% | 3,788 |
| Noninterest income to average assets | 0.7016% | 2,193 |
| Noninterest expense to average assets | 2.9437% | 2,719 |
| Loan and lease loss provision to assets | 0.1462% | 1,620 |
| Net operating income to assets | 0.8682% | 3,033 |
| Return on assets (ROA) | 0.8931% | 2,991 |
| Pretax return on assets | 0.8931% | 3,867 |
| Return on Equity (ROE) | 7.6122% | 3,186 |
| Retained earnings to average equity (ytd only) | 3.9369% | 3,238 |
| Net charge-offs to loans | 0.5063% | 514 |
| Credit loss provision to net charge-offs | 83.3333% | 2,887 |
| Earnings coverage of net charge-offs (x) | 5.7833% | 3,328 |
| Efficiency ratio | 74.3722% | 2,521 |
| Assets per employee ($millions) | 3.2899% | 5,167 |
| Cash dividends to net income (ytd only)* | 48.2815% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1941% | 179 |
| Loan loss allowance to noncurrent loans | 101.0526% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 1,713 |
| Noncurrent loans to loans | 3.1609% | 488 |
| Net loans and leases to total assets | 33.6909% | 5,786 |
| Net loans and leases to deposits | 38.2735% | 5,829 |
| Net loans and leases to core deposits | 38.7069% | 5,858 |
| Total domestic deposits to total assets | 88.0267% | 1,610 |
| Equity capital to assets | 11.9371% | 2,005 |
| Core capital (leverage) ratio | 12.0207% | 1,607 |
| Tier 1 risk-based capital ratio | 22.5916% | 1,071 |
| Total risk-based capital ratio | 23.8513% | 1,051 |
| Memoranda: | ||
| Average total assets | $68,416,600 | 5,122 |
| Average earning assets | $64,926,000 | 5,064 |
| Average equity | $8,026,600 | 5,058 |
| Average total loans | $23,699,200 | 5,600 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6531% | 4,568 |
| Cost of funding earning assets | 0.1808% | 5,545 |
| Net interest margin | 3.4723% | 3,652 |
| Noninterest income to average assets | 0.6779% | 2,339 |
| Noninterest expense to average assets | 2.9011% | 2,849 |
| Loan and lease loss provision to assets | 0.1954% | 1,034 |
| Net operating income to assets | 0.8830% | 3,025 |
| Return on assets (ROA) | 0.9162% | 2,969 |
| Pretax return on assets | 0.9162% | 3,928 |
| Return on Equity (ROE) | 7.8444% | 3,166 |
| Retained earnings to average equity (ytd only) | 2.9102% | 4,377 |
| Net charge-offs to loans | -0.1186% | 5,850 |
| Credit loss provision to net charge-offs | -476.1905% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9013% | 2,736 |
| Assets per employee ($millions) | 3.1803% | 5,331 |
| Cash dividends to net income (ytd only)* | 62.8990% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8067% | 105 |
| Loan loss allowance to noncurrent loans | 181.8000% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 2,616 |
| Noncurrent loans to loans | 2.0939% | 1,083 |
| Net loans and leases to total assets | 34.3929% | 5,845 |
| Net loans and leases to deposits | 39.1886% | 5,893 |
| Net loans and leases to core deposits | 39.6492% | 5,926 |
| Total domestic deposits to total assets | 87.7626% | 1,676 |
| Equity capital to assets | 12.1401% | 2,006 |
| Core capital (leverage) ratio | 11.6380% | 1,929 |
| Tier 1 risk-based capital ratio | 22.7283% | 1,092 |
| Total risk-based capital ratio | 23.9927% | 1,072 |
| Memoranda: | ||
| Average total assets | $68,249,000 | 5,186 |
| Average earning assets | $64,893,500 | 5,124 |
| Average equity | $7,971,500 | 5,133 |
| Average total loans | $23,613,000 | 5,670 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6064% | 4,700 |
| Cost of funding earning assets | 0.1777% | 5,630 |
| Net interest margin | 3.4287% | 3,794 |
| Noninterest income to average assets | 0.6489% | 2,480 |
| Noninterest expense to average assets | 2.7816% | 3,307 |
| Loan and lease loss provision to assets | 0.2328% | 789 |
| Net operating income to assets | 0.8904% | 2,932 |
| Return on assets (ROA) | 0.9311% | 2,850 |
| Pretax return on assets | 0.9311% | 3,841 |
| Return on Equity (ROE) | 8.0747% | 3,008 |
| Retained earnings to average equity (ytd only) | 3.6588% | 3,697 |
| Net charge-offs to loans | -0.4166% | 6,177 |
| Credit loss provision to net charge-offs | -163.2653% | 4,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2370% | 3,121 |
| Assets per employee ($millions) | 3.0888% | 5,488 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6973% | 137 |
| Loan loss allowance to noncurrent loans | 428.5047% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 4,068 |
| Noncurrent loans to loans | 0.8628% | 2,970 |
| Net loans and leases to total assets | 35.1493% | 5,859 |
| Net loans and leases to deposits | 39.7990% | 5,909 |
| Net loans and leases to core deposits | 40.2552% | 5,949 |
| Total domestic deposits to total assets | 88.3169% | 1,487 |
| Equity capital to assets | 11.5859% | 2,343 |
| Core capital (leverage) ratio | 11.3231% | 2,144 |
| Tier 1 risk-based capital ratio | 22.1771% | 1,179 |
| Total risk-based capital ratio | 23.4432% | 1,162 |
| Memoranda: | ||
| Average total assets | $68,736,330 | 5,239 |
| Average earning assets | $65,272,670 | 5,170 |
| Average equity | $7,926,000 | 5,184 |
| Average total loans | $23,524,330 | 5,726 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 4,755 |
| Cost of funding earning assets | 0.1777% | 5,695 |
| Net interest margin | 3.4004% | 3,838 |
| Noninterest income to average assets | 0.6423% | 2,441 |
| Noninterest expense to average assets | 2.9568% | 2,716 |
| Loan and lease loss provision to assets | 0.2604% | 618 |
| Net operating income to assets | 0.6365% | 4,104 |
| Return on assets (ROA) | 0.6365% | 4,229 |
| Pretax return on assets | 0.6365% | 4,805 |
| Return on Equity (ROE) | 5.5329% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.5329% | 2,757 |
| Net charge-offs to loans | -0.5418% | 6,251 |
| Credit loss provision to net charge-offs | -145.1613% | 4,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7267% | 2,392 |
| Assets per employee ($millions) | 3.1452% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7862% | 146 |
| Loan loss allowance to noncurrent loans | 403.7383% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,873 |
| Noncurrent loans to loans | 0.9378% | 2,904 |
| Net loans and leases to total assets | 31.7306% | 6,007 |
| Net loans and leases to deposits | 35.9757% | 6,058 |
| Net loans and leases to core deposits | 36.5683% | 6,085 |
| Total domestic deposits to total assets | 88.2000% | 1,707 |
| Equity capital to assets | 11.7205% | 2,269 |
| Core capital (leverage) ratio | 11.3599% | 2,112 |
| Tier 1 risk-based capital ratio | 22.9256% | 1,115 |
| Total risk-based capital ratio | 24.1881% | 1,098 |
| Memoranda: | ||
| Average total assets | $69,128,000 | 5,278 |
| Average earning assets | $65,287,000 | 5,223 |
| Average equity | $7,952,500 | 5,223 |
| Average total loans | $22,885,500 | 5,794 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 5,161 |
| Cost of funding earning assets | 0.1954% | 5,783 |
| Net interest margin | 3.3764% | 4,295 |
| Noninterest income to average assets | 0.8426% | 1,706 |
| Noninterest expense to average assets | 2.9972% | 2,845 |
| Loan and lease loss provision to assets | 0.2656% | 827 |
| Net operating income to assets | 0.7674% | 3,530 |
| Return on assets (ROA) | 0.7659% | 3,640 |
| Pretax return on assets | 0.7659% | 4,383 |
| Return on Equity (ROE) | 7.0549% | 3,591 |
| Retained earnings to average equity (ytd only) | 3.4935% | 3,727 |
| Net charge-offs to loans | 0.1244% | 2,785 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,589 |
| Efficiency ratio | 74.3684% | 2,771 |
| Assets per employee ($millions) | 3.2886% | 5,275 |
| Cash dividends to net income (ytd only)* | 50.4817% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4334% | 195 |
| Loan loss allowance to noncurrent loans | 354.9550% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 3,947 |
| Noncurrent loans to loans | 0.9673% | 2,904 |
| Net loans and leases to total assets | 32.0919% | 6,113 |
| Net loans and leases to deposits | 36.1957% | 6,165 |
| Net loans and leases to core deposits | 36.7899% | 6,187 |
| Total domestic deposits to total assets | 88.6622% | 1,436 |
| Equity capital to assets | 11.2871% | 2,611 |
| Core capital (leverage) ratio | 11.3158% | 2,118 |
| Tier 1 risk-based capital ratio | 22.7550% | 1,113 |
| Total risk-based capital ratio | 24.0171% | 1,095 |
| Memoranda: | ||
| Average total assets | $67,763,400 | 5,354 |
| Average earning assets | $63,974,400 | 5,278 |
| Average equity | $7,356,600 | 5,335 |
| Average total loans | $24,117,800 | 5,819 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5356% | 5,305 |
| Cost of funding earning assets | 0.1984% | 5,844 |
| Net interest margin | 3.3372% | 4,482 |
| Noninterest income to average assets | 0.8699% | 1,625 |
| Noninterest expense to average assets | 2.9774% | 2,877 |
| Loan and lease loss provision to assets | 0.3559% | 491 |
| Net operating income to assets | 0.6959% | 3,958 |
| Return on assets (ROA) | 0.6939% | 4,061 |
| Pretax return on assets | 0.6939% | 4,720 |
| Return on Equity (ROE) | 6.4577% | 3,997 |
| Retained earnings to average equity (ytd only) | 4.3971% | 3,520 |
| Net charge-offs to loans | 0.2240% | 1,699 |
| Credit loss provision to net charge-offs | 439.0244% | 644 |
| Earnings coverage of net charge-offs (x) | 12.9746% | 2,268 |
| Efficiency ratio | 73.8960% | 2,833 |
| Assets per employee ($millions) | 3.4289% | 5,000 |
| Cash dividends to net income (ytd only)* | 31.9088% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3836% | 252 |
| Loan loss allowance to noncurrent loans | 323.7500% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 3,611 |
| Noncurrent loans to loans | 1.0451% | 2,983 |
| Net loans and leases to total assets | 32.3529% | 6,170 |
| Net loans and leases to deposits | 36.3966% | 6,232 |
| Net loans and leases to core deposits | 36.9962% | 6,262 |
| Total domestic deposits to total assets | 88.8900% | 1,305 |
| Equity capital to assets | 10.9627% | 2,993 |
| Core capital (leverage) ratio | 11.2211% | 2,292 |
| Tier 1 risk-based capital ratio | 22.6961% | 1,159 |
| Total risk-based capital ratio | 23.9578% | 1,140 |
| Memoranda: | ||
| Average total assets | $67,439,000 | 5,418 |
| Average earning assets | $63,844,250 | 5,342 |
| Average equity | $7,247,000 | 5,400 |
| Average total loans | $24,409,500 | 5,865 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 5,350 |
| Cost of funding earning assets | 0.2082% | 5,847 |
| Net interest margin | 3.3190% | 4,510 |
| Noninterest income to average assets | 0.8440% | 1,687 |
| Noninterest expense to average assets | 3.0361% | 2,707 |
| Loan and lease loss provision to assets | 0.3579% | 491 |
| Net operating income to assets | 0.5875% | 4,421 |
| Return on assets (ROA) | 0.5786% | 4,560 |
| Pretax return on assets | 0.5786% | 5,024 |
| Return on Equity (ROE) | 5.4215% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.2916% | 4,742 |
| Net charge-offs to loans | 0.0402% | 3,427 |
| Credit loss provision to net charge-offs | 2,400.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 776 |
| Efficiency ratio | 76.2547% | 2,577 |
| Assets per employee ($millions) | 3.2105% | 5,408 |
| Cash dividends to net income (ytd only)* | 57.7320% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2067% | 302 |
| Loan loss allowance to noncurrent loans | 86.6513% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.6894% | 1,929 |
| Noncurrent loans to loans | 3.7007% | 686 |
| Net loans and leases to total assets | 33.7125% | 6,166 |
| Net loans and leases to deposits | 37.9741% | 6,229 |
| Net loans and leases to core deposits | 38.6114% | 6,257 |
| Total domestic deposits to total assets | 88.7778% | 1,490 |
| Equity capital to assets | 11.0472% | 2,827 |
| Core capital (leverage) ratio | 11.2228% | 2,225 |
| Tier 1 risk-based capital ratio | 22.5342% | 1,182 |
| Total risk-based capital ratio | 23.7951% | 1,164 |
| Memoranda: | ||
| Average total assets | $67,059,330 | 5,472 |
| Average earning assets | $63,392,670 | 5,408 |
| Average equity | $7,156,670 | 5,447 |
| Average total loans | $24,891,330 | 5,889 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 5,358 |
| Cost of funding earning assets | 0.2224% | 5,827 |
| Net interest margin | 3.3042% | 4,519 |
| Noninterest income to average assets | 0.7955% | 1,767 |
| Noninterest expense to average assets | 3.0563% | 2,672 |
| Loan and lease loss provision to assets | 0.3589% | 489 |
| Net operating income to assets | 0.4904% | 4,737 |
| Return on assets (ROA) | 0.4904% | 4,816 |
| Pretax return on assets | 0.4904% | 5,200 |
| Return on Equity (ROE) | 4.6784% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.6784% | 3,311 |
| Net charge-offs to loans | 0.4845% | 759 |
| Credit loss provision to net charge-offs | 193.5484% | 1,072 |
| Earnings coverage of net charge-offs (x) | 4.5806% | 2,504 |
| Efficiency ratio | 78.2542% | 2,441 |
| Assets per employee ($millions) | 3.3220% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6587% | 670 |
| Loan loss allowance to noncurrent loans | 86.6234% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5653% | 2,255 |
| Noncurrent loans to loans | 3.0693% | 1,027 |
| Net loans and leases to total assets | 36.7550% | 6,033 |
| Net loans and leases to deposits | 41.2409% | 6,120 |
| Net loans and leases to core deposits | 41.9393% | 6,160 |
| Total domestic deposits to total assets | 89.1225% | 1,572 |
| Equity capital to assets | 10.7526% | 2,983 |
| Core capital (leverage) ratio | 11.2027% | 2,218 |
| Tier 1 risk-based capital ratio | 21.4442% | 1,383 |
| Total risk-based capital ratio | 22.7028% | 1,360 |
| Memoranda: | ||
| Average total assets | $66,879,000 | 5,537 |
| Average earning assets | $62,950,500 | 5,472 |
| Average equity | $7,011,000 | 5,513 |
| Average total loans | $25,596,000 | 5,907 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 4,926 |
| Cost of funding earning assets | 0.3487% | 5,149 |
| Net interest margin | 3.4162% | 4,217 |
| Noninterest income to average assets | 0.8630% | 1,815 |
| Noninterest expense to average assets | 3.0517% | 2,893 |
| Loan and lease loss provision to assets | 0.3547% | 885 |
| Net operating income to assets | 0.6562% | 4,004 |
| Return on assets (ROA) | 0.6576% | 4,099 |
| Pretax return on assets | 0.6576% | 4,674 |
| Return on Equity (ROE) | 6.0792% | 4,045 |
| Retained earnings to average equity (ytd only) | 1.9809% | 4,824 |
| Net charge-offs to loans | 0.4429% | 1,499 |
| Credit loss provision to net charge-offs | 195.1220% | 1,179 |
| Earnings coverage of net charge-offs (x) | 5.5610% | 3,268 |
| Efficiency ratio | 75.1182% | 2,931 |
| Assets per employee ($millions) | 3.2056% | 5,477 |
| Cash dividends to net income (ytd only)* | 67.4157% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4440% | 885 |
| Loan loss allowance to noncurrent loans | 92.4638% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 2,884 |
| Noncurrent loans to loans | 2.6432% | 1,402 |
| Net loans and leases to total assets | 37.8309% | 6,108 |
| Net loans and leases to deposits | 42.2072% | 6,214 |
| Net loans and leases to core deposits | 42.9077% | 6,271 |
| Total domestic deposits to total assets | 89.6313% | 1,255 |
| Equity capital to assets | 10.2172% | 3,490 |
| Core capital (leverage) ratio | 11.3518% | 2,072 |
| Tier 1 risk-based capital ratio | 20.4276% | 1,554 |
| Total risk-based capital ratio | 21.6827% | 1,524 |
| Memoranda: | ||
| Average total assets | $67,667,000 | 5,548 |
| Average earning assets | $63,375,000 | 5,490 |
| Average equity | $7,320,000 | 5,494 |
| Average total loans | $27,772,400 | 5,859 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,935 |
| Cost of funding earning assets | 0.3828% | 4,967 |
| Net interest margin | 3.3950% | 4,311 |
| Noninterest income to average assets | 0.8403% | 1,976 |
| Noninterest expense to average assets | 2.9852% | 3,042 |
| Loan and lease loss provision to assets | 0.3542% | 900 |
| Net operating income to assets | 0.6769% | 3,970 |
| Return on assets (ROA) | 0.6789% | 4,103 |
| Pretax return on assets | 0.6789% | 4,751 |
| Return on Equity (ROE) | 6.1906% | 4,084 |
| Retained earnings to average equity (ytd only) | 2.1533% | 5,021 |
| Net charge-offs to loans | 0.2885% | 2,093 |
| Credit loss provision to net charge-offs | 295.0820% | 865 |
| Earnings coverage of net charge-offs (x) | 8.5903% | 2,602 |
| Efficiency ratio | 74.3263% | 3,007 |
| Assets per employee ($millions) | 2.9017% | 6,009 |
| Cash dividends to net income (ytd only)* | 65.2166% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3681% | 1,084 |
| Loan loss allowance to noncurrent loans | 103.0547% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2362% | 3,170 |
| Noncurrent loans to loans | 2.2979% | 1,909 |
| Net loans and leases to total assets | 39.5975% | 6,058 |
| Net loans and leases to deposits | 44.2152% | 6,192 |
| Net loans and leases to core deposits | 44.9553% | 6,252 |
| Total domestic deposits to total assets | 89.5563% | 1,259 |
| Equity capital to assets | 10.3268% | 3,472 |
| Core capital (leverage) ratio | 11.2164% | 2,288 |
| Tier 1 risk-based capital ratio | 20.2280% | 1,674 |
| Total risk-based capital ratio | 21.4832% | 1,653 |
| Memoranda: | ||
| Average total assets | $67,754,250 | 5,600 |
| Average earning assets | $63,385,500 | 5,550 |
| Average equity | $7,430,500 | 5,531 |
| Average total loans | $28,189,250 | 5,894 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 4,984 |
| Cost of funding earning assets | 0.3970% | 4,973 |
| Net interest margin | 3.3543% | 4,361 |
| Noninterest income to average assets | 0.7754% | 2,298 |
| Noninterest expense to average assets | 2.9607% | 3,121 |
| Loan and lease loss provision to assets | 0.3525% | 940 |
| Net operating income to assets | 0.6139% | 4,226 |
| Return on assets (ROA) | 0.6168% | 4,374 |
| Pretax return on assets | 0.6168% | 4,962 |
| Return on Equity (ROE) | 5.5191% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.5769% | 5,241 |
| Net charge-offs to loans | 0.4831% | 1,365 |
| Credit loss provision to net charge-offs | 173.9130% | 1,358 |
| Earnings coverage of net charge-offs (x) | 4.7681% | 3,040 |
| Efficiency ratio | 75.3927% | 2,880 |
| Assets per employee ($millions) | 2.9256% | 5,980 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 1,769 |
| Loan loss allowance to noncurrent loans | 73.7113% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.4059% | 2,999 |
| Noncurrent loans to loans | 2.7662% | 1,642 |
| Net loans and leases to total assets | 40.8403% | 5,982 |
| Net loans and leases to deposits | 45.8422% | 6,114 |
| Net loans and leases to core deposits | 47.0509% | 6,175 |
| Total domestic deposits to total assets | 89.0889% | 1,576 |
| Equity capital to assets | 10.7982% | 2,945 |
| Core capital (leverage) ratio | 10.7740% | 2,594 |
| Tier 1 risk-based capital ratio | 19.6259% | 1,820 |
| Total risk-based capital ratio | 20.8798% | 1,793 |
| Memoranda: | ||
| Average total assets | $68,092,670 | 5,635 |
| Average earning assets | $63,978,330 | 5,559 |
| Average equity | $7,610,000 | 5,534 |
| Average total loans | $28,563,000 | 5,909 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,991 |
| Cost of funding earning assets | 0.3924% | 5,181 |
| Net interest margin | 3.3576% | 4,283 |
| Noninterest income to average assets | 0.8351% | 1,982 |
| Noninterest expense to average assets | 2.9024% | 3,330 |
| Loan and lease loss provision to assets | 0.3504% | 929 |
| Net operating income to assets | 0.7300% | 3,538 |
| Return on assets (ROA) | 0.7300% | 3,676 |
| Pretax return on assets | 0.7300% | 4,443 |
| Return on Equity (ROE) | 6.4251% | 3,807 |
| Retained earnings to average equity (ytd only) | 2.5700% | 4,736 |
| Net charge-offs to loans | 0.2221% | 2,103 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 11.5625% | 1,657 |
| Efficiency ratio | 72.8739% | 3,461 |
| Assets per employee ($millions) | 3.1201% | 5,787 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9897% | 2,071 |
| Loan loss allowance to noncurrent loans | 104.6296% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 3,862 |
| Noncurrent loans to loans | 1.9017% | 2,735 |
| Net loans and leases to total assets | 40.5451% | 5,953 |
| Net loans and leases to deposits | 45.7589% | 6,070 |
| Net loans and leases to core deposits | 46.9460% | 6,155 |
| Total domestic deposits to total assets | 88.6061% | 1,930 |
| Equity capital to assets | 11.3254% | 2,606 |
| Core capital (leverage) ratio | 10.8888% | 2,363 |
| Tier 1 risk-based capital ratio | 19.3086% | 1,954 |
| Total risk-based capital ratio | 20.5617% | 1,926 |
| Memoranda: | ||
| Average total assets | $68,494,500 | 5,675 |
| Average earning assets | $64,213,000 | 5,608 |
| Average equity | $7,782,000 | 5,551 |
| Average total loans | $28,818,000 | 5,942 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 4,490 |
| Cost of funding earning assets | 0.5215% | 5,063 |
| Net interest margin | 3.7049% | 3,623 |
| Noninterest income to average assets | 0.8077% | 2,233 |
| Noninterest expense to average assets | 3.1918% | 2,644 |
| Loan and lease loss provision to assets | 0.4158% | 1,544 |
| Net operating income to assets | 0.6746% | 3,862 |
| Return on assets (ROA) | 0.6820% | 4,090 |
| Pretax return on assets | 0.6820% | 4,723 |
| Return on Equity (ROE) | 5.9129% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.0228% | 4,803 |
| Net charge-offs to loans | 0.5613% | 2,054 |
| Credit loss provision to net charge-offs | 154.4444% | 1,751 |
| Earnings coverage of net charge-offs (x) | 4.0500% | 3,496 |
| Efficiency ratio | 74.5372% | 2,982 |
| Assets per employee ($millions) | 3.1067% | 5,830 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 2,649 |
| Loan loss allowance to noncurrent loans | 94.8998% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 3,928 |
| Noncurrent loans to loans | 1.8776% | 2,828 |
| Net loans and leases to total assets | 42.0194% | 6,003 |
| Net loans and leases to deposits | 47.4859% | 6,144 |
| Net loans and leases to core deposits | 48.4072% | 6,244 |
| Total domestic deposits to total assets | 88.4882% | 1,909 |
| Equity capital to assets | 11.3977% | 2,540 |
| Core capital (leverage) ratio | 11.0129% | 2,244 |
| Tier 1 risk-based capital ratio | 18.8363% | 2,001 |
| Total risk-based capital ratio | 20.0873% | 1,971 |
| Memoranda: | ||
| Average total assets | $66,857,800 | 5,716 |
| Average earning assets | $62,700,800 | 5,647 |
| Average equity | $7,712,000 | 5,580 |
| Average total loans | $32,070,400 | 5,850 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 4,407 |
| Cost of funding earning assets | 0.5569% | 5,027 |
| Net interest margin | 3.7566% | 3,518 |
| Noninterest income to average assets | 0.8342% | 2,100 |
| Noninterest expense to average assets | 3.1926% | 2,587 |
| Loan and lease loss provision to assets | 0.5174% | 1,172 |
| Net operating income to assets | 0.6417% | 4,186 |
| Return on assets (ROA) | 0.6478% | 4,413 |
| Pretax return on assets | 0.6478% | 5,019 |
| Return on Equity (ROE) | 5.5984% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.6985% | 5,479 |
| Net charge-offs to loans | 0.4108% | 2,454 |
| Credit loss provision to net charge-offs | 255.4455% | 1,074 |
| Earnings coverage of net charge-offs (x) | 5.7229% | 2,946 |
| Efficiency ratio | 73.3641% | 3,090 |
| Assets per employee ($millions) | 2.9776% | 6,087 |
| Cash dividends to net income (ytd only)* | 69.6582% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 2,303 |
| Loan loss allowance to noncurrent loans | 99.4854% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1495% | 3,992 |
| Noncurrent loans to loans | 1.9665% | 2,875 |
| Net loans and leases to total assets | 44.3702% | 5,937 |
| Net loans and leases to deposits | 50.4408% | 6,081 |
| Net loans and leases to core deposits | 51.4233% | 6,218 |
| Total domestic deposits to total assets | 87.9648% | 2,062 |
| Equity capital to assets | 11.9451% | 2,306 |
| Core capital (leverage) ratio | 11.1042% | 2,296 |
| Tier 1 risk-based capital ratio | 18.9970% | 2,014 |
| Total risk-based capital ratio | 20.2507% | 1,980 |
| Memoranda: | ||
| Average total assets | $66,485,500 | 5,794 |
| Average earning assets | $62,253,250 | 5,732 |
| Average equity | $7,692,500 | 5,648 |
| Average total loans | $32,778,000 | 5,888 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 4,382 |
| Cost of funding earning assets | 0.6080% | 4,835 |
| Net interest margin | 3.7408% | 3,635 |
| Noninterest income to average assets | 0.8472% | 1,978 |
| Noninterest expense to average assets | 3.1701% | 2,686 |
| Loan and lease loss provision to assets | 0.5927% | 1,013 |
| Net operating income to assets | 0.5837% | 4,436 |
| Return on assets (ROA) | 0.5837% | 4,699 |
| Pretax return on assets | 0.5837% | 5,196 |
| Return on Equity (ROE) | 5.0992% | 4,761 |
| Retained earnings to average equity (ytd only) | 1.1767% | 5,604 |
| Net charge-offs to loans | 0.3016% | 2,822 |
| Credit loss provision to net charge-offs | 388.2353% | 763 |
| Earnings coverage of net charge-offs (x) | 7.7059% | 2,433 |
| Efficiency ratio | 72.9339% | 3,251 |
| Assets per employee ($millions) | 3.0022% | 6,067 |
| Cash dividends to net income (ytd only)* | 76.9231% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 3,010 |
| Loan loss allowance to noncurrent loans | 78.8382% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 3,758 |
| Noncurrent loans to loans | 2.2250% | 2,695 |
| Net loans and leases to total assets | 48.3361% | 5,584 |
| Net loans and leases to deposits | 54.8059% | 5,789 |
| Net loans and leases to core deposits | 55.8598% | 5,958 |
| Total domestic deposits to total assets | 88.1949% | 2,019 |
| Equity capital to assets | 11.7036% | 2,412 |
| Core capital (leverage) ratio | 10.8318% | 2,454 |
| Tier 1 risk-based capital ratio | 17.6512% | 2,411 |
| Total risk-based capital ratio | 18.9016% | 2,384 |
| Memoranda: | ||
| Average total assets | $66,811,330 | 5,815 |
| Average earning assets | $62,500,330 | 5,751 |
| Average equity | $7,648,330 | 5,673 |
| Average total loans | $33,822,000 | 5,879 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 4,299 |
| Cost of funding earning assets | 0.6805% | 4,459 |
| Net interest margin | 3.7271% | 3,706 |
| Noninterest income to average assets | 0.9942% | 1,442 |
| Noninterest expense to average assets | 3.1253% | 2,832 |
| Loan and lease loss provision to assets | 0.8215% | 589 |
| Net operating income to assets | 0.5358% | 4,666 |
| Return on assets (ROA) | 0.5358% | 4,875 |
| Pretax return on assets | 0.5358% | 5,322 |
| Return on Equity (ROE) | 4.7322% | 4,921 |
| Retained earnings to average equity (ytd only) | 4.7322% | 3,723 |
| Net charge-offs to loans | 0.1276% | 3,345 |
| Credit loss provision to net charge-offs | 1,254.5455% | 276 |
| Earnings coverage of net charge-offs (x) | 20.7273% | 1,180 |
| Efficiency ratio | 69.7211% | 3,863 |
| Assets per employee ($millions) | 2.7290% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 3,528 |
| Loan loss allowance to noncurrent loans | 76.2829% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.3763% | 3,815 |
| Noncurrent loans to loans | 2.1680% | 2,951 |
| Net loans and leases to total assets | 47.9392% | 5,560 |
| Net loans and leases to deposits | 54.0129% | 5,808 |
| Net loans and leases to core deposits | 55.2707% | 5,968 |
| Total domestic deposits to total assets | 88.7550% | 1,847 |
| Equity capital to assets | 11.1688% | 2,739 |
| Core capital (leverage) ratio | 10.8242% | 2,417 |
| Tier 1 risk-based capital ratio | 17.4185% | 2,511 |
| Total risk-based capital ratio | 18.6688% | 2,478 |
| Memoranda: | ||
| Average total assets | $67,193,000 | 5,853 |
| Average earning assets | $62,890,500 | 5,781 |
| Average equity | $7,607,500 | 5,707 |
| Average total loans | $34,485,500 | 5,897 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 2,960 |
| Cost of funding earning assets | 0.7557% | 5,168 |
| Net interest margin | 4.2256% | 1,974 |
| Noninterest income to average assets | 0.9511% | 1,505 |
| Noninterest expense to average assets | 3.5670% | 1,812 |
| Loan and lease loss provision to assets | 0.4637% | 2,290 |
| Net operating income to assets | 0.8403% | 2,873 |
| Return on assets (ROA) | 0.8498% | 2,973 |
| Pretax return on assets | 0.8498% | 3,773 |
| Return on Equity (ROE) | 7.2052% | 3,301 |
| Retained earnings to average equity (ytd only) | 1.8382% | 4,907 |
| Net charge-offs to loans | 0.5440% | 2,836 |
| Credit loss provision to net charge-offs | 147.9798% | 1,922 |
| Earnings coverage of net charge-offs (x) | 4.1616% | 3,240 |
| Efficiency ratio | 73.2294% | 3,353 |
| Assets per employee ($millions) | 3.0073% | 6,066 |
| Cash dividends to net income (ytd only)* | 74.4879% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 5,469 |
| Loan loss allowance to noncurrent loans | 46.4835% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 3,315 |
| Noncurrent loans to loans | 2.5480% | 2,577 |
| Net loans and leases to total assets | 53.3419% | 5,121 |
| Net loans and leases to deposits | 60.3141% | 5,450 |
| Net loans and leases to core deposits | 61.4954% | 5,705 |
| Total domestic deposits to total assets | 88.4401% | 1,885 |
| Equity capital to assets | 11.4797% | 2,518 |
| Core capital (leverage) ratio | 11.0674% | 2,217 |
| Tier 1 risk-based capital ratio | 16.7154% | 2,727 |
| Total risk-based capital ratio | 17.6885% | 2,811 |
| Memoranda: | ||
| Average total assets | $63,190,800 | 5,948 |
| Average earning assets | $58,619,200 | 5,911 |
| Average equity | $7,453,000 | 5,733 |
| Average total loans | $36,395,200 | 5,853 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 2,813 |
| Cost of funding earning assets | 0.7677% | 5,350 |
| Net interest margin | 4.2904% | 1,755 |
| Noninterest income to average assets | 0.9074% | 1,619 |
| Noninterest expense to average assets | 3.5847% | 1,739 |
| Loan and lease loss provision to assets | 0.3437% | 2,819 |
| Net operating income to assets | 0.9522% | 2,520 |
| Return on assets (ROA) | 0.9522% | 2,687 |
| Pretax return on assets | 0.9522% | 3,581 |
| Return on Equity (ROE) | 8.0169% | 3,032 |
| Retained earnings to average equity (ytd only) | 2.4446% | 4,899 |
| Net charge-offs to loans | 0.4813% | 2,810 |
| Credit loss provision to net charge-offs | 121.9697% | 2,655 |
| Earnings coverage of net charge-offs (x) | 4.5984% | 3,010 |
| Efficiency ratio | 73.4471% | 3,287 |
| Assets per employee ($millions) | 2.7546% | 6,568 |
| Cash dividends to net income (ytd only)* | 69.5064% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 5,265 |
| Loan loss allowance to noncurrent loans | 64.5714% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 3,444 |
| Noncurrent loans to loans | 1.9305% | 3,463 |
| Net loans and leases to total assets | 56.5196% | 4,759 |
| Net loans and leases to deposits | 64.2896% | 5,129 |
| Net loans and leases to core deposits | 65.3097% | 5,491 |
| Total domestic deposits to total assets | 87.9141% | 2,085 |
| Equity capital to assets | 12.0322% | 2,221 |
| Core capital (leverage) ratio | 11.3278% | 2,138 |
| Tier 1 risk-based capital ratio | 16.6411% | 2,794 |
| Total risk-based capital ratio | 17.6763% | 2,867 |
| Memoranda: | ||
| Average total assets | $62,448,500 | 6,020 |
| Average earning assets | $57,833,500 | 5,983 |
| Average equity | $7,417,500 | 5,776 |
| Average total loans | $36,565,500 | 5,891 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 2,822 |
| Cost of funding earning assets | 0.7796% | 5,513 |
| Net interest margin | 4.2915% | 1,699 |
| Noninterest income to average assets | 0.8046% | 1,997 |
| Noninterest expense to average assets | 3.5497% | 1,857 |
| Loan and lease loss provision to assets | 0.3958% | 2,436 |
| Net operating income to assets | 0.8271% | 2,956 |
| Return on assets (ROA) | 0.8271% | 3,065 |
| Pretax return on assets | 0.8271% | 3,921 |
| Return on Equity (ROE) | 6.9941% | 3,451 |
| Retained earnings to average equity (ytd only) | 1.0069% | 5,463 |
| Net charge-offs to loans | 0.2127% | 3,861 |
| Credit loss provision to net charge-offs | 315.3846% | 967 |
| Earnings coverage of net charge-offs (x) | 9.7436% | 1,884 |
| Efficiency ratio | 74.3763% | 3,298 |
| Assets per employee ($millions) | 2.5834% | 6,816 |
| Cash dividends to net income (ytd only)* | 85.6031% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,622 |
| Loan loss allowance to noncurrent loans | 61.1580% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 3,557 |
| Noncurrent loans to loans | 2.2743% | 3,132 |
| Net loans and leases to total assets | 57.9723% | 4,632 |
| Net loans and leases to deposits | 66.0250% | 4,995 |
| Net loans and leases to core deposits | 67.0948% | 5,380 |
| Total domestic deposits to total assets | 87.8036% | 2,277 |
| Equity capital to assets | 12.0948% | 2,033 |
| Core capital (leverage) ratio | 11.2957% | 2,050 |
| Tier 1 risk-based capital ratio | 16.5934% | 2,697 |
| Total risk-based capital ratio | 17.7672% | 2,688 |
| Memoranda: | ||
| Average total assets | $62,146,330 | 6,077 |
| Average earning assets | $57,462,000 | 6,046 |
| Average equity | $7,349,000 | 5,821 |
| Average total loans | $36,667,330 | 5,948 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1029% | 2,634 |
| Cost of funding earning assets | 0.7910% | 5,612 |
| Net interest margin | 4.3119% | 1,525 |
| Noninterest income to average assets | 0.7715% | 2,147 |
| Noninterest expense to average assets | 3.5102% | 1,979 |
| Loan and lease loss provision to assets | 0.2443% | 3,224 |
| Net operating income to assets | 0.9772% | 2,255 |
| Return on assets (ROA) | 0.9772% | 2,315 |
| Pretax return on assets | 0.9772% | 3,212 |
| Return on Equity (ROE) | 8.3585% | 2,755 |
| Retained earnings to average equity (ytd only) | 0.1100% | 5,751 |
| Net charge-offs to loans | -0.1196% | 7,133 |
| Credit loss provision to net charge-offs | -345.4545% | 5,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1848% | 3,482 |
| Assets per employee ($millions) | 2.7031% | 6,688 |
| Cash dividends to net income (ytd only)* | 98.6842% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 5,227 |
| Loan loss allowance to noncurrent loans | 139.2330% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 4,886 |
| Noncurrent loans to loans | 0.9198% | 5,196 |
| Net loans and leases to total assets | 58.5209% | 4,549 |
| Net loans and leases to deposits | 66.3754% | 4,917 |
| Net loans and leases to core deposits | 67.8661% | 5,303 |
| Total domestic deposits to total assets | 88.1665% | 2,282 |
| Equity capital to assets | 11.7450% | 2,080 |
| Core capital (leverage) ratio | 11.2995% | 1,958 |
| Tier 1 risk-based capital ratio | 16.5211% | 2,651 |
| Total risk-based capital ratio | 17.6146% | 2,693 |
| Memoranda: | ||
| Average total assets | $62,218,500 | 6,115 |
| Average earning assets | $57,144,500 | 6,096 |
| Average equity | $7,274,000 | 5,852 |
| Average total loans | $36,775,500 | 5,999 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5247% | 2,185 |
| Cost of funding earning assets | 1.0633% | 5,347 |
| Net interest margin | 4.4614% | 1,319 |
| Noninterest income to average assets | 0.8759% | 1,945 |
| Noninterest expense to average assets | 3.8252% | 1,441 |
| Loan and lease loss provision to assets | 0.2474% | 4,817 |
| Net operating income to assets | 0.9072% | 2,352 |
| Return on assets (ROA) | 0.9072% | 2,492 |
| Pretax return on assets | 0.9072% | 3,255 |
| Return on Equity (ROE) | 7.4952% | 2,897 |
| Retained earnings to average equity (ytd only) | 1.3628% | 4,863 |
| Net charge-offs to loans | 0.6996% | 2,910 |
| Credit loss provision to net charge-offs | 57.6923% | 6,121 |
| Earnings coverage of net charge-offs (x) | 2.6923% | 3,741 |
| Efficiency ratio | 76.8135% | 2,898 |
| Assets per employee ($millions) | 2.7072% | 6,672 |
| Cash dividends to net income (ytd only)* | 81.8182% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,723 |
| Loan loss allowance to noncurrent loans | 136.8932% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 4,575 |
| Noncurrent loans to loans | 0.8421% | 5,371 |
| Net loans and leases to total assets | 58.2549% | 4,986 |
| Net loans and leases to deposits | 66.0001% | 5,399 |
| Net loans and leases to core deposits | 67.0518% | 5,767 |
| Total domestic deposits to total assets | 88.2649% | 2,087 |
| Equity capital to assets | 11.6372% | 2,166 |
| Core capital (leverage) ratio | 11.6489% | 1,758 |
| Tier 1 risk-based capital ratio | 16.4794% | 2,527 |
| Total risk-based capital ratio | 17.4572% | 2,612 |
| Memoranda: | ||
| Average total assets | $60,623,800 | 6,170 |
| Average earning assets | $55,767,400 | 6,139 |
| Average equity | $7,338,000 | 5,921 |
| Average total loans | $37,166,600 | 6,057 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5542% | 2,237 |
| Cost of funding earning assets | 1.1238% | 5,293 |
| Net interest margin | 4.4304% | 1,424 |
| Noninterest income to average assets | 0.8813% | 1,869 |
| Noninterest expense to average assets | 3.7222% | 1,525 |
| Loan and lease loss provision to assets | 0.2502% | 4,587 |
| Net operating income to assets | 1.0031% | 2,226 |
| Return on assets (ROA) | 1.0031% | 2,343 |
| Pretax return on assets | 1.0031% | 3,172 |
| Return on Equity (ROE) | 8.2051% | 2,824 |
| Retained earnings to average equity (ytd only) | 1.6846% | 5,117 |
| Net charge-offs to loans | 0.7581% | 2,527 |
| Credit loss provision to net charge-offs | 53.3019% | 5,838 |
| Earnings coverage of net charge-offs (x) | 2.6698% | 3,813 |
| Efficiency ratio | 74.8109% | 3,182 |
| Assets per employee ($millions) | 2.5730% | 6,986 |
| Cash dividends to net income (ytd only)* | 79.4712% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,613 |
| Loan loss allowance to noncurrent loans | 638.2353% | 515 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 4,777 |
| Noncurrent loans to loans | 0.1841% | 6,813 |
| Net loans and leases to total assets | 61.6661% | 4,596 |
| Net loans and leases to deposits | 70.8044% | 5,034 |
| Net loans and leases to core deposits | 72.0044% | 5,512 |
| Total domestic deposits to total assets | 87.0936% | 2,473 |
| Equity capital to assets | 12.7526% | 1,714 |
| Core capital (leverage) ratio | 11.8261% | 1,753 |
| Tier 1 risk-based capital ratio | 16.5995% | 2,514 |
| Total risk-based capital ratio | 17.6109% | 2,562 |
| Memoranda: | ||
| Average total assets | $60,213,250 | 6,262 |
| Average earning assets | $55,644,250 | 6,209 |
| Average equity | $7,361,000 | 5,997 |
| Average total loans | $37,284,250 | 6,127 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5866% | 2,186 |
| Cost of funding earning assets | 1.1575% | 5,354 |
| Net interest margin | 4.4292% | 1,370 |
| Noninterest income to average assets | 0.8554% | 1,860 |
| Noninterest expense to average assets | 3.6725% | 1,616 |
| Loan and lease loss provision to assets | 0.2477% | 4,447 |
| Net operating income to assets | 1.0172% | 2,129 |
| Return on assets (ROA) | 1.0172% | 2,200 |
| Pretax return on assets | 1.0172% | 3,054 |
| Return on Equity (ROE) | 8.4395% | 2,692 |
| Retained earnings to average equity (ytd only) | 1.8633% | 4,938 |
| Net charge-offs to loans | 0.3850% | 3,437 |
| Credit loss provision to net charge-offs | 104.1667% | 3,912 |
| Earnings coverage of net charge-offs (x) | 5.3194% | 2,699 |
| Efficiency ratio | 74.3813% | 3,398 |
| Assets per employee ($millions) | 2.5894% | 6,969 |
| Cash dividends to net income (ytd only)* | 77.9221% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 4,220 |
| Loan loss allowance to noncurrent loans | 439.3443% | 717 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 4,506 |
| Noncurrent loans to loans | 0.3282% | 6,571 |
| Net loans and leases to total assets | 61.5135% | 4,778 |
| Net loans and leases to deposits | 70.4059% | 5,221 |
| Net loans and leases to core deposits | 71.5821% | 5,719 |
| Total domestic deposits to total assets | 87.3699% | 2,342 |
| Equity capital to assets | 12.4689% | 1,819 |
| Core capital (leverage) ratio | 11.5599% | 1,875 |
| Tier 1 risk-based capital ratio | 16.2519% | 2,572 |
| Total risk-based capital ratio | 17.4791% | 2,535 |
| Memoranda: | ||
| Average total assets | $60,557,670 | 6,282 |
| Average earning assets | $55,812,000 | 6,248 |
| Average equity | $7,299,000 | 6,033 |
| Average total loans | $37,403,000 | 6,172 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5503% | 2,359 |
| Cost of funding earning assets | 1.1726% | 5,542 |
| Net interest margin | 4.3777% | 1,451 |
| Noninterest income to average assets | 0.8451% | 1,829 |
| Noninterest expense to average assets | 3.6555% | 1,606 |
| Loan and lease loss provision to assets | 0.2489% | 4,057 |
| Net operating income to assets | 0.9761% | 2,278 |
| Return on assets (ROA) | 0.9761% | 2,340 |
| Pretax return on assets | 0.9761% | 3,183 |
| Return on Equity (ROE) | 8.2372% | 2,759 |
| Retained earnings to average equity (ytd only) | 1.6032% | 5,143 |
| Net charge-offs to loans | -0.0640% | 7,419 |
| Credit loss provision to net charge-offs | -633.3333% | 6,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8993% | 3,422 |
| Assets per employee ($millions) | 2.6683% | 6,920 |
| Cash dividends to net income (ytd only)* | 80.5369% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 3,685 |
| Loan loss allowance to noncurrent loans | 236.4754% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 4,616 |
| Noncurrent loans to loans | 0.6525% | 6,018 |
| Net loans and leases to total assets | 59.9951% | 5,121 |
| Net loans and leases to deposits | 68.6755% | 5,509 |
| Net loans and leases to core deposits | 69.7832% | 5,939 |
| Total domestic deposits to total assets | 87.3603% | 2,431 |
| Equity capital to assets | 11.8348% | 2,142 |
| Core capital (leverage) ratio | 11.3808% | 1,979 |
| Tier 1 risk-based capital ratio | 16.0464% | 2,639 |
| Total risk-based capital ratio | 17.2968% | 2,591 |
| Memoranda: | ||
| Average total assets | $61,058,500 | 6,346 |
| Average earning assets | $56,285,000 | 6,311 |
| Average equity | $7,235,500 | 6,102 |
| Average total loans | $37,519,000 | 6,234 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6780% | 3,219 |
| Cost of funding earning assets | 1.4159% | 5,863 |
| Net interest margin | 4.2621% | 1,847 |
| Noninterest income to average assets | 1.0388% | 1,442 |
| Noninterest expense to average assets | 3.7092% | 1,891 |
| Loan and lease loss provision to assets | 0.2534% | 5,369 |
| Net operating income to assets | 1.0472% | 1,677 |
| Return on assets (ROA) | 1.0506% | 1,707 |
| Pretax return on assets | 1.0506% | 2,410 |
| Return on Equity (ROE) | 8.6957% | 2,123 |
| Retained earnings to average equity (ytd only) | 1.3561% | 4,104 |
| Net charge-offs to loans | 0.2919% | 4,809 |
| Credit loss provision to net charge-offs | 145.6311% | 3,254 |
| Earnings coverage of net charge-offs (x) | 7.4757% | 2,136 |
| Efficiency ratio | 74.0391% | 3,888 |
| Assets per employee ($millions) | 2.6412% | 6,964 |
| Cash dividends to net income (ytd only)* | 84.4051% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 4,141 |
| Loan loss allowance to noncurrent loans | 141.0053% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2099% | 4,680 |
| Noncurrent loans to loans | 1.0042% | 5,310 |
| Net loans and leases to total assets | 61.0878% | 5,177 |
| Net loans and leases to deposits | 70.9338% | 5,480 |
| Net loans and leases to core deposits | 82.6131% | 5,862 |
| Total domestic deposits to total assets | 86.1195% | 2,950 |
| Equity capital to assets | 11.8656% | 2,101 |
| Core capital (leverage) ratio | 11.7230% | 1,800 |
| Tier 1 risk-based capital ratio | 16.0758% | 2,486 |
| Total risk-based capital ratio | 17.2948% | 2,432 |
| Memoranda: | ||
| Average total assets | $59,204,200 | 6,380 |
| Average earning assets | $55,160,400 | 6,328 |
| Average equity | $7,153,000 | 6,220 |
| Average total loans | $35,280,400 | 6,343 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7598% | 3,063 |
| Cost of funding earning assets | 1.4825% | 5,897 |
| Net interest margin | 4.2774% | 1,789 |
| Noninterest income to average assets | 1.0473% | 1,451 |
| Noninterest expense to average assets | 3.6246% | 1,972 |
| Loan and lease loss provision to assets | 0.2561% | 4,901 |
| Net operating income to assets | 1.1561% | 1,569 |
| Return on assets (ROA) | 1.1606% | 1,622 |
| Pretax return on assets | 1.1606% | 2,378 |
| Return on Equity (ROE) | 9.5619% | 2,077 |
| Retained earnings to average equity (ytd only) | 1.9982% | 4,206 |
| Net charge-offs to loans | -0.0922% | 7,919 |
| Credit loss provision to net charge-offs | -470.8333% | 7,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9622% | 4,248 |
| Assets per employee ($millions) | 2.3370% | 7,461 |
| Cash dividends to net income (ytd only)* | 79.1020% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 2,202 |
| Loan loss allowance to noncurrent loans | 178.5100% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3607% | 4,366 |
| Noncurrent loans to loans | 1.0230% | 5,262 |
| Net loans and leases to total assets | 57.3258% | 5,989 |
| Net loans and leases to deposits | 65.7015% | 6,336 |
| Net loans and leases to core deposits | 76.8906% | 6,565 |
| Total domestic deposits to total assets | 87.2518% | 2,048 |
| Equity capital to assets | 12.4589% | 1,978 |
| Core capital (leverage) ratio | 11.8738% | 1,850 |
| Tier 1 risk-based capital ratio | 17.4107% | 2,145 |
| Total risk-based capital ratio | 18.6645% | 2,101 |
| Memoranda: | ||
| Average total assets | $58,818,500 | 6,432 |
| Average earning assets | $54,861,250 | 6,383 |
| Average equity | $7,139,250 | 6,279 |
| Average total loans | $34,690,000 | 6,412 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8385% | 2,855 |
| Cost of funding earning assets | 1.5332% | 6,004 |
| Net interest margin | 4.3053% | 1,641 |
| Noninterest income to average assets | 1.0008% | 1,595 |
| Noninterest expense to average assets | 3.6539% | 1,939 |
| Loan and lease loss provision to assets | 0.2545% | 4,537 |
| Net operating income to assets | 1.1128% | 1,728 |
| Return on assets (ROA) | 1.1128% | 1,807 |
| Pretax return on assets | 1.1128% | 2,588 |
| Return on Equity (ROE) | 9.2490% | 2,271 |
| Retained earnings to average equity (ytd only) | 1.2125% | 4,670 |
| Net charge-offs to loans | -0.1949% | 8,024 |
| Credit loss provision to net charge-offs | -220.5882% | 6,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7703% | 4,255 |
| Assets per employee ($millions) | 2.3349% | 7,505 |
| Cash dividends to net income (ytd only)* | 86.8902% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 2,490 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 5,668 |
| Noncurrent loans to loans | 0.6637% | 5,928 |
| Net loans and leases to total assets | 60.4160% | 5,610 |
| Net loans and leases to deposits | 68.9152% | 6,101 |
| Net loans and leases to core deposits | 81.4608% | 6,289 |
| Total domestic deposits to total assets | 87.6670% | 1,943 |
| Equity capital to assets | 12.0246% | 2,190 |
| Core capital (leverage) ratio | 11.5745% | 2,048 |
| Tier 1 risk-based capital ratio | 17.1031% | 2,272 |
| Total risk-based capital ratio | 18.3561% | 2,216 |
| Memoranda: | ||
| Average total assets | $58,950,000 | 6,481 |
| Average earning assets | $55,048,670 | 6,425 |
| Average equity | $7,092,670 | 6,338 |
| Average total loans | $34,881,670 | 6,464 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9238% | 2,678 |
| Cost of funding earning assets | 1.5965% | 6,042 |
| Net interest margin | 4.3273% | 1,525 |
| Noninterest income to average assets | 0.9723% | 1,564 |
| Noninterest expense to average assets | 3.6935% | 1,671 |
| Loan and lease loss provision to assets | 0.2566% | 3,910 |
| Net operating income to assets | 1.0669% | 2,077 |
| Return on assets (ROA) | 1.0669% | 2,210 |
| Pretax return on assets | 1.0669% | 3,118 |
| Return on Equity (ROE) | 8.8646% | 2,777 |
| Retained earnings to average equity (ytd only) | 0.4488% | 5,477 |
| Net charge-offs to loans | -0.5234% | 8,109 |
| Credit loss provision to net charge-offs | -84.4444% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6205% | 3,891 |
| Assets per employee ($millions) | 2.5030% | 7,275 |
| Cash dividends to net income (ytd only)* | 94.9367% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 2,330 |
| Loan loss allowance to noncurrent loans | 389.7260% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 5,910 |
| Noncurrent loans to loans | 0.4219% | 6,366 |
| Net loans and leases to total assets | 56.6627% | 6,146 |
| Net loans and leases to deposits | 65.0456% | 6,456 |
| Net loans and leases to core deposits | 76.9556% | 6,611 |
| Total domestic deposits to total assets | 87.1123% | 2,162 |
| Equity capital to assets | 11.8090% | 2,376 |
| Core capital (leverage) ratio | 11.4248% | 2,193 |
| Tier 1 risk-based capital ratio | 17.3900% | 2,216 |
| Total risk-based capital ratio | 18.6429% | 2,159 |
| Memoranda: | ||
| Average total assets | $59,239,000 | 6,498 |
| Average earning assets | $55,370,000 | 6,444 |
| Average equity | $7,129,500 | 6,362 |
| Average total loans | $34,392,000 | 6,525 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6035% | 2,477 |
| Cost of funding earning assets | 2.1424% | 5,867 |
| Net interest margin | 4.4610% | 1,511 |
| Noninterest income to average assets | 1.1420% | 1,187 |
| Noninterest expense to average assets | 3.7469% | 1,862 |
| Loan and lease loss provision to assets | 0.2368% | 4,533 |
| Net operating income to assets | 1.3332% | 1,388 |
| Return on assets (ROA) | 1.3595% | 1,282 |
| Pretax return on assets | 1.3595% | 2,096 |
| Return on Equity (ROE) | 10.9808% | 1,912 |
| Retained earnings to average equity (ytd only) | 1.8419% | 4,085 |
| Net charge-offs to loans | 0.6169% | 1,991 |
| Credit loss provision to net charge-offs | 65.5340% | 6,151 |
| Earnings coverage of net charge-offs (x) | 4.3447% | 4,010 |
| Efficiency ratio | 70.4718% | 4,254 |
| Assets per employee ($millions) | 2.4335% | 7,341 |
| Cash dividends to net income (ytd only)* | 83.2258% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 3,075 |
| Loan loss allowance to noncurrent loans | 276.1364% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 5,420 |
| Noncurrent loans to loans | 0.5150% | 5,806 |
| Net loans and leases to total assets | 57.6834% | 6,250 |
| Net loans and leases to deposits | 65.9592% | 6,647 |
| Net loans and leases to core deposits | 77.6267% | 6,762 |
| Total domestic deposits to total assets | 87.4531% | 1,726 |
| Equity capital to assets | 12.2678% | 2,128 |
| Core capital (leverage) ratio | 11.6984% | 2,127 |
| Tier 1 risk-based capital ratio | 17.8265% | 2,085 |
| Total risk-based capital ratio | 19.0763% | 2,022 |
| Memoranda: | ||
| Average total assets | $57,006,600 | 6,489 |
| Average earning assets | $53,350,800 | 6,447 |
| Average equity | $7,057,800 | 6,438 |
| Average total loans | $33,392,600 | 6,515 |