Home > The First National Bank of Rembrandt > Performance and Condition Ratios
The First National Bank of Rembrandt, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 4,702 |
| Cost of funding earning assets | 0.6266% | 2,291 |
| Net interest margin | 3.0432% | 4,790 |
| Noninterest income to average assets | 0.0274% | 5,385 |
| Noninterest expense to average assets | 1.3415% | 5,354 |
| Loan and lease loss provision to assets | 0.0498% | 2,995 |
| Net operating income to assets | 1.1424% | 2,473 |
| Return on assets (ROA) | 1.1424% | 2,485 |
| Pretax return on assets | 1.5008% | 1,892 |
| Return on Equity (ROE) | 5.5850% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.5850% | 2,899 |
| Net charge-offs to loans | -0.0831% | 5,106 |
| Credit loss provision to net charge-offs | -100.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3855% | 5,130 |
| Assets per employee ($millions) | 10.2946% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 299 |
| Loan loss allowance to noncurrent loans | 65.2778% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.1370% | 483 |
| Noncurrent loans to loans | 3.5370% | 267 |
| Net loans and leases to total assets | 57.9508% | 4,048 |
| Net loans and leases to deposits | 74.4887% | 3,551 |
| Net loans and leases to core deposits | 76.1585% | 3,790 |
| Total domestic deposits to total assets | 77.7981% | 4,510 |
| Equity capital to assets | 21.7143% | 173 |
| Core capital (leverage) ratio | 21.2923% | 187 |
| Tier 1 risk-based capital ratio | 36.6641% | 285 |
| Total risk-based capital ratio | 37.9257% | 277 |
| Memoranda: | ||
| Average total assets | $53,571,500 | 4,936 |
| Average earning assets | $50,427,750 | 4,900 |
| Average equity | $10,957,500 | 4,198 |
| Average total loans | $32,103,000 | 4,823 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 4,659 |
| Cost of funding earning assets | 0.6003% | 2,223 |
| Net interest margin | 3.0645% | 4,790 |
| Noninterest income to average assets | 0.0221% | 5,456 |
| Noninterest expense to average assets | 1.1940% | 5,458 |
| Loan and lease loss provision to assets | 0.0737% | 2,413 |
| Net operating income to assets | 1.2419% | 2,019 |
| Return on assets (ROA) | 1.2419% | 2,014 |
| Pretax return on assets | 1.6325% | 1,394 |
| Return on Equity (ROE) | 6.1924% | 4,164 |
| Retained earnings to average equity (ytd only) | 6.1924% | 2,460 |
| Net charge-offs to loans | -0.1900% | 5,319 |
| Credit loss provision to net charge-offs | -64.5161% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1690% | 5,373 |
| Assets per employee ($millions) | 8.8442% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3468% | 294 |
| Loan loss allowance to noncurrent loans | 61.9584% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.2124% | 439 |
| Noncurrent loans to loans | 3.7877% | 243 |
| Net loans and leases to total assets | 56.0671% | 4,161 |
| Net loans and leases to deposits | 71.2469% | 3,764 |
| Net loans and leases to core deposits | 72.2469% | 3,991 |
| Total domestic deposits to total assets | 78.6941% | 4,477 |
| Equity capital to assets | 20.8386% | 193 |
| Core capital (leverage) ratio | 20.6935% | 198 |
| Tier 1 risk-based capital ratio | 36.0804% | 302 |
| Total risk-based capital ratio | 37.3423% | 292 |
| Memoranda: | ||
| Average total assets | $54,271,000 | 4,975 |
| Average earning assets | $50,970,670 | 4,949 |
| Average equity | $10,884,330 | 4,248 |
| Average total loans | $32,626,000 | 4,849 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 5,012 |
| Cost of funding earning assets | 0.5662% | 2,275 |
| Net interest margin | 2.8385% | 5,115 |
| Noninterest income to average assets | 0.1458% | 5,135 |
| Noninterest expense to average assets | 1.1955% | 5,519 |
| Loan and lease loss provision to assets | 0.1458% | 1,277 |
| Net operating income to assets | 1.1226% | 2,324 |
| Return on assets (ROA) | 1.1226% | 2,342 |
| Pretax return on assets | 1.4725% | 1,754 |
| Return on Equity (ROE) | 5.7050% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.7050% | 2,852 |
| Net charge-offs to loans | 0.4866% | 315 |
| Credit loss provision to net charge-offs | 48.7805% | 1,962 |
| Earnings coverage of net charge-offs (x) | 5.4146% | 2,242 |
| Efficiency ratio | 42.4870% | 5,387 |
| Assets per employee ($millions) | 9.0783% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 495 |
| Loan loss allowance to noncurrent loans | 47.0416% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.5500% | 358 |
| Noncurrent loans to loans | 4.3420% | 211 |
| Net loans and leases to total assets | 56.7009% | 4,058 |
| Net loans and leases to deposits | 71.1800% | 3,685 |
| Net loans and leases to core deposits | 72.1376% | 3,943 |
| Total domestic deposits to total assets | 79.6585% | 4,469 |
| Equity capital to assets | 19.9578% | 217 |
| Core capital (leverage) ratio | 19.7188% | 224 |
| Tier 1 risk-based capital ratio | 34.2800% | 341 |
| Total risk-based capital ratio | 35.5397% | 335 |
| Memoranda: | ||
| Average total assets | $54,874,000 | 5,024 |
| Average earning assets | $51,576,000 | 4,997 |
| Average equity | $10,797,500 | 4,309 |
| Average total loans | $33,705,500 | 4,872 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4284% | 4,903 |
| Cost of funding earning assets | 0.5392% | 2,041 |
| Net interest margin | 2.8892% | 5,059 |
| Noninterest income to average assets | 0.0977% | 5,420 |
| Noninterest expense to average assets | 1.4606% | 5,494 |
| Loan and lease loss provision to assets | 0.6877% | 179 |
| Net operating income to assets | 0.4706% | 4,455 |
| Return on assets (ROA) | 0.4706% | 4,489 |
| Pretax return on assets | 0.6841% | 4,548 |
| Return on Equity (ROE) | 2.4329% | 4,965 |
| Retained earnings to average equity (ytd only) | 2.4329% | 3,874 |
| Net charge-offs to loans | 0.6224% | 365 |
| Credit loss provision to net charge-offs | 173.5160% | 1,561 |
| Earnings coverage of net charge-offs (x) | 3.4612% | 3,606 |
| Efficiency ratio | 51.5655% | 5,133 |
| Assets per employee ($millions) | 9.2130% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 708 |
| Loan loss allowance to noncurrent loans | 26.7526% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 4.5769% | 114 |
| Noncurrent loans to loans | 6.9171% | 64 |
| Net loans and leases to total assets | 63.7107% | 3,398 |
| Net loans and leases to deposits | 79.5240% | 2,964 |
| Net loans and leases to core deposits | 80.5720% | 3,374 |
| Total domestic deposits to total assets | 80.1151% | 4,317 |
| Equity capital to assets | 19.4001% | 232 |
| Core capital (leverage) ratio | 19.8059% | 205 |
| Tier 1 risk-based capital ratio | 28.8686% | 503 |
| Total risk-based capital ratio | 30.1245% | 496 |
| Memoranda: | ||
| Average total assets | $55,253,000 | 5,058 |
| Average earning assets | $52,297,800 | 5,026 |
| Average equity | $10,686,800 | 4,350 |
| Average total loans | $35,183,600 | 4,863 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,735 |
| Cost of funding earning assets | 0.5280% | 2,048 |
| Net interest margin | 3.0055% | 4,903 |
| Noninterest income to average assets | 0.1134% | 5,430 |
| Noninterest expense to average assets | 1.2574% | 5,637 |
| Loan and lease loss provision to assets | 0.5068% | 230 |
| Net operating income to assets | 0.7988% | 3,528 |
| Return on assets (ROA) | 0.7988% | 3,577 |
| Pretax return on assets | 1.2067% | 2,879 |
| Return on Equity (ROE) | 4.1332% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.1332% | 3,450 |
| Net charge-offs to loans | 0.8112% | 226 |
| Credit loss provision to net charge-offs | 98.5915% | 2,334 |
| Earnings coverage of net charge-offs (x) | 3.3334% | 3,355 |
| Efficiency ratio | 42.3233% | 5,529 |
| Assets per employee ($millions) | 8.9373% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,820 |
| Loan loss allowance to noncurrent loans | 55.3097% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.7753% | 790 |
| Noncurrent loans to loans | 2.5650% | 578 |
| Net loans and leases to total assets | 64.7919% | 3,284 |
| Net loans and leases to deposits | 81.7891% | 2,797 |
| Net loans and leases to core deposits | 82.3708% | 3,255 |
| Total domestic deposits to total assets | 79.2183% | 4,493 |
| Equity capital to assets | 20.1850% | 224 |
| Core capital (leverage) ratio | 20.0667% | 207 |
| Tier 1 risk-based capital ratio | 30.2991% | 467 |
| Total risk-based capital ratio | 31.5499% | 462 |
| Memoranda: | ||
| Average total assets | $55,246,750 | 5,115 |
| Average earning assets | $52,524,000 | 5,077 |
| Average equity | $10,677,500 | 4,390 |
| Average total loans | $35,009,000 | 4,917 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5199% | 4,717 |
| Cost of funding earning assets | 0.5131% | 2,070 |
| Net interest margin | 3.0068% | 4,901 |
| Noninterest income to average assets | 0.1506% | 5,311 |
| Noninterest expense to average assets | 1.1185% | 5,715 |
| Loan and lease loss provision to assets | 0.2151% | 830 |
| Net operating income to assets | 1.0970% | 1,994 |
| Return on assets (ROA) | 1.0970% | 2,050 |
| Pretax return on assets | 1.6742% | 1,119 |
| Return on Equity (ROE) | 5.7580% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.7580% | 2,256 |
| Net charge-offs to loans | 0.1660% | 1,169 |
| Credit loss provision to net charge-offs | 206.8966% | 1,240 |
| Earnings coverage of net charge-offs (x) | 18.1724% | 1,896 |
| Efficiency ratio | 37.1871% | 5,676 |
| Assets per employee ($millions) | 9.1443% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,467 |
| Loan loss allowance to noncurrent loans | 153.0086% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 2,397 |
| Noncurrent loans to loans | 1.0009% | 1,961 |
| Net loans and leases to total assets | 62.5761% | 3,562 |
| Net loans and leases to deposits | 78.4916% | 3,068 |
| Net loans and leases to core deposits | 79.5832% | 3,450 |
| Total domestic deposits to total assets | 79.7233% | 4,475 |
| Equity capital to assets | 19.6770% | 233 |
| Core capital (leverage) ratio | 19.4982% | 219 |
| Tier 1 risk-based capital ratio | 30.3737% | 450 |
| Total risk-based capital ratio | 31.6276% | 450 |
| Memoranda: | ||
| Average total assets | $55,787,670 | 5,141 |
| Average earning assets | $53,012,330 | 5,103 |
| Average equity | $10,628,670 | 4,418 |
| Average total loans | $34,930,670 | 4,957 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4481% | 4,831 |
| Cost of funding earning assets | 0.4947% | 2,130 |
| Net interest margin | 2.9534% | 4,989 |
| Noninterest income to average assets | 0.2489% | 4,756 |
| Noninterest expense to average assets | 1.2374% | 5,758 |
| Loan and lease loss provision to assets | 0.1422% | 1,322 |
| Net operating income to assets | 1.0951% | 1,894 |
| Return on assets (ROA) | 1.0951% | 1,933 |
| Pretax return on assets | 1.6712% | 1,069 |
| Return on Equity (ROE) | 5.8416% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.8416% | 2,414 |
| Net charge-offs to loans | 0.2746% | 662 |
| Credit loss provision to net charge-offs | 83.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,928 |
| Efficiency ratio | 40.5594% | 5,681 |
| Assets per employee ($millions) | 9.3157% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,767 |
| Loan loss allowance to noncurrent loans | 207.9167% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 3,166 |
| Noncurrent loans to loans | 0.7120% | 2,714 |
| Net loans and leases to total assets | 59.4142% | 3,844 |
| Net loans and leases to deposits | 74.0248% | 3,399 |
| Net loans and leases to core deposits | 75.0282% | 3,741 |
| Total domestic deposits to total assets | 80.2626% | 4,569 |
| Equity capital to assets | 19.0181% | 245 |
| Core capital (leverage) ratio | 18.9385% | 234 |
| Tier 1 risk-based capital ratio | 31.0308% | 447 |
| Total risk-based capital ratio | 32.2835% | 442 |
| Memoranda: | ||
| Average total assets | $56,248,500 | 5,189 |
| Average earning assets | $53,362,000 | 5,152 |
| Average equity | $10,545,000 | 4,457 |
| Average total loans | $34,962,500 | 5,000 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4563% | 4,877 |
| Cost of funding earning assets | 0.5015% | 2,079 |
| Net interest margin | 2.9547% | 5,043 |
| Noninterest income to average assets | 0.0913% | 5,666 |
| Noninterest expense to average assets | 1.2934% | 5,808 |
| Loan and lease loss provision to assets | 0.1378% | 1,811 |
| Net operating income to assets | 0.9645% | 2,516 |
| Return on assets (ROA) | 0.9645% | 2,619 |
| Pretax return on assets | 1.4605% | 1,711 |
| Return on Equity (ROE) | 5.4667% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.4667% | 2,032 |
| Net charge-offs to loans | 0.1707% | 1,595 |
| Credit loss provision to net charge-offs | 131.1475% | 2,051 |
| Earnings coverage of net charge-offs (x) | 15.2131% | 2,224 |
| Efficiency ratio | 44.7290% | 5,674 |
| Assets per employee ($millions) | 9.4338% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 2,128 |
| Loan loss allowance to noncurrent loans | 441.2281% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,854 |
| Noncurrent loans to loans | 0.3148% | 4,017 |
| Net loans and leases to total assets | 63.0956% | 3,472 |
| Net loans and leases to deposits | 78.0208% | 3,101 |
| Net loans and leases to core deposits | 79.0570% | 3,472 |
| Total domestic deposits to total assets | 80.8703% | 4,364 |
| Equity capital to assets | 18.4796% | 278 |
| Core capital (leverage) ratio | 18.2738% | 271 |
| Tier 1 risk-based capital ratio | 28.2314% | 555 |
| Total risk-based capital ratio | 29.4820% | 548 |
| Memoranda: | ||
| Average total assets | $58,062,000 | 5,190 |
| Average earning assets | $55,030,200 | 5,148 |
| Average equity | $10,243,800 | 4,529 |
| Average total loans | $35,729,800 | 5,023 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 4,948 |
| Cost of funding earning assets | 0.4980% | 2,119 |
| Net interest margin | 2.9374% | 5,116 |
| Noninterest income to average assets | 0.1073% | 5,684 |
| Noninterest expense to average assets | 1.0999% | 5,909 |
| Loan and lease loss provision to assets | 0.1826% | 1,208 |
| Net operating income to assets | 1.0588% | 2,162 |
| Return on assets (ROA) | 1.0588% | 2,279 |
| Pretax return on assets | 1.6111% | 1,355 |
| Return on Equity (ROE) | 6.0713% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.0713% | 2,144 |
| Net charge-offs to loans | 0.1872% | 1,243 |
| Credit loss provision to net charge-offs | 160.0000% | 1,704 |
| Earnings coverage of net charge-offs (x) | 15.7188% | 2,162 |
| Efficiency ratio | 38.0126% | 5,863 |
| Assets per employee ($millions) | 9.5818% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,950 |
| Loan loss allowance to noncurrent loans | 634.5679% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 4,247 |
| Noncurrent loans to loans | 0.2295% | 4,449 |
| Net loans and leases to total assets | 60.5051% | 3,815 |
| Net loans and leases to deposits | 74.5627% | 3,543 |
| Net loans and leases to core deposits | 75.5342% | 3,882 |
| Total domestic deposits to total assets | 81.1466% | 4,212 |
| Equity capital to assets | 18.1107% | 337 |
| Core capital (leverage) ratio | 17.6804% | 321 |
| Tier 1 risk-based capital ratio | 28.6214% | 544 |
| Total risk-based capital ratio | 29.8734% | 533 |
| Memoranda: | ||
| Average total assets | $58,426,750 | 5,222 |
| Average earning assets | $55,422,250 | 5,183 |
| Average equity | $10,189,750 | 4,584 |
| Average total loans | $35,608,000 | 5,076 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 5,119 |
| Cost of funding earning assets | 0.4944% | 2,149 |
| Net interest margin | 2.8877% | 5,289 |
| Noninterest income to average assets | 0.1362% | 5,627 |
| Noninterest expense to average assets | 1.0351% | 5,998 |
| Loan and lease loss provision to assets | 0.1362% | 1,669 |
| Net operating income to assets | 1.1202% | 1,886 |
| Return on assets (ROA) | 1.1202% | 1,998 |
| Pretax return on assets | 1.7093% | 1,065 |
| Return on Equity (ROE) | 6.5048% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.5048% | 1,873 |
| Net charge-offs to loans | 0.2408% | 981 |
| Credit loss provision to net charge-offs | 93.0233% | 2,207 |
| Earnings coverage of net charge-offs (x) | 12.6047% | 2,175 |
| Efficiency ratio | 35.9338% | 5,966 |
| Assets per employee ($millions) | 9.7417% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 2,443 |
| Loan loss allowance to noncurrent loans | 291.5152% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 3,777 |
| Noncurrent loans to loans | 0.4695% | 3,681 |
| Net loans and leases to total assets | 59.3054% | 3,976 |
| Net loans and leases to deposits | 72.6252% | 3,734 |
| Net loans and leases to core deposits | 73.5498% | 4,024 |
| Total domestic deposits to total assets | 81.6595% | 4,101 |
| Equity capital to assets | 17.6065% | 370 |
| Core capital (leverage) ratio | 17.4035% | 336 |
| Tier 1 risk-based capital ratio | 28.1403% | 583 |
| Total risk-based capital ratio | 29.3902% | 573 |
| Memoranda: | ||
| Average total assets | $58,738,670 | 5,269 |
| Average earning assets | $55,823,670 | 5,224 |
| Average equity | $10,115,670 | 4,624 |
| Average total loans | $35,711,000 | 5,117 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3737% | 5,180 |
| Cost of funding earning assets | 0.4860% | 2,219 |
| Net interest margin | 2.8876% | 5,344 |
| Noninterest income to average assets | 0.1494% | 5,592 |
| Noninterest expense to average assets | 1.1141% | 6,052 |
| Loan and lease loss provision to assets | 0.1359% | 1,543 |
| Net operating income to assets | 1.0801% | 1,985 |
| Return on assets (ROA) | 1.0801% | 2,089 |
| Pretax return on assets | 1.6439% | 1,199 |
| Return on Equity (ROE) | 6.3422% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.3422% | 2,211 |
| Net charge-offs to loans | 0.1222% | 1,376 |
| Credit loss provision to net charge-offs | 181.8182% | 1,144 |
| Earnings coverage of net charge-offs (x) | 23.8182% | 1,350 |
| Efficiency ratio | 38.4977% | 5,994 |
| Assets per employee ($millions) | 9.7107% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,433 |
| Loan loss allowance to noncurrent loans | 159.0323% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 3,149 |
| Noncurrent loans to loans | 0.8789% | 2,653 |
| Net loans and leases to total assets | 59.6904% | 3,821 |
| Net loans and leases to deposits | 72.9282% | 3,561 |
| Net loans and leases to core deposits | 73.8575% | 3,910 |
| Total domestic deposits to total assets | 81.8481% | 4,271 |
| Equity capital to assets | 17.3641% | 390 |
| Core capital (leverage) ratio | 17.2390% | 353 |
| Tier 1 risk-based capital ratio | 27.4833% | 641 |
| Total risk-based capital ratio | 28.7355% | 629 |
| Memoranda: | ||
| Average total assets | $58,883,000 | 5,313 |
| Average earning assets | $55,962,500 | 5,267 |
| Average equity | $10,028,000 | 4,655 |
| Average total loans | $35,994,000 | 5,146 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3270% | 5,302 |
| Cost of funding earning assets | 0.5080% | 2,091 |
| Net interest margin | 2.8191% | 5,478 |
| Noninterest income to average assets | 0.0765% | 5,930 |
| Noninterest expense to average assets | 1.3520% | 6,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9257% | 2,724 |
| Return on assets (ROA) | 0.9304% | 2,790 |
| Pretax return on assets | 1.4072% | 1,877 |
| Return on Equity (ROE) | 5.3896% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.3896% | 2,143 |
| Net charge-offs to loans | 0.0497% | 3,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 46.2941% | 1,056 |
| Efficiency ratio | 49.1273% | 5,793 |
| Assets per employee ($millions) | 7.4378% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,804 |
| Loan loss allowance to noncurrent loans | 186.8726% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 3,631 |
| Noncurrent loans to loans | 0.7054% | 3,077 |
| Net loans and leases to total assets | 60.8938% | 3,712 |
| Net loans and leases to deposits | 73.8409% | 3,512 |
| Net loans and leases to core deposits | 74.7550% | 3,873 |
| Total domestic deposits to total assets | 82.4661% | 4,028 |
| Equity capital to assets | 16.7036% | 440 |
| Core capital (leverage) ratio | 17.7215% | 297 |
| Tier 1 risk-based capital ratio | 26.0260% | 740 |
| Total risk-based capital ratio | 27.2753% | 720 |
| Memoranda: | ||
| Average total assets | $56,212,200 | 5,403 |
| Average earning assets | $53,350,800 | 5,354 |
| Average equity | $9,703,800 | 4,707 |
| Average total loans | $34,174,000 | 5,217 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2650% | 5,475 |
| Cost of funding earning assets | 0.5099% | 2,121 |
| Net interest margin | 2.7551% | 5,654 |
| Noninterest income to average assets | 0.0867% | 6,002 |
| Noninterest expense to average assets | 1.2012% | 6,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9878% | 2,528 |
| Return on assets (ROA) | 0.9941% | 2,585 |
| Pretax return on assets | 1.5093% | 1,659 |
| Return on Equity (ROE) | 5.7092% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.7092% | 2,435 |
| Net charge-offs to loans | 0.0954% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.9578% | 1,636 |
| Efficiency ratio | 44.4742% | 6,022 |
| Assets per employee ($millions) | 7.8546% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,593 |
| Loan loss allowance to noncurrent loans | 120.1511% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 2,786 |
| Noncurrent loans to loans | 1.1658% | 2,190 |
| Net loans and leases to total assets | 61.0691% | 3,724 |
| Net loans and leases to deposits | 75.1718% | 3,408 |
| Net loans and leases to core deposits | 76.1953% | 3,782 |
| Total domestic deposits to total assets | 81.2393% | 4,413 |
| Equity capital to assets | 17.8949% | 346 |
| Core capital (leverage) ratio | 17.7878% | 311 |
| Tier 1 risk-based capital ratio | 27.7539% | 637 |
| Total risk-based capital ratio | 29.0052% | 619 |
| Memoranda: | ||
| Average total assets | $55,389,750 | 5,491 |
| Average earning assets | $52,555,750 | 5,441 |
| Average equity | $9,645,000 | 4,781 |
| Average total loans | $33,538,250 | 5,302 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2447% | 5,546 |
| Cost of funding earning assets | 0.5059% | 2,199 |
| Net interest margin | 2.7388% | 5,724 |
| Noninterest income to average assets | 0.1297% | 5,902 |
| Noninterest expense to average assets | 1.1094% | 6,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0603% | 2,098 |
| Return on assets (ROA) | 1.0698% | 2,159 |
| Pretax return on assets | 1.6281% | 1,255 |
| Return on Equity (ROE) | 6.2002% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.2002% | 2,112 |
| Net charge-offs to loans | 0.1199% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,644 |
| Efficiency ratio | 40.7407% | 6,189 |
| Assets per employee ($millions) | 8.0394% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 2,332 |
| Loan loss allowance to noncurrent loans | 121.1587% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 2,933 |
| Noncurrent loans to loans | 1.2309% | 2,195 |
| Net loans and leases to total assets | 56.4592% | 4,290 |
| Net loans and leases to deposits | 68.9249% | 4,041 |
| Net loans and leases to core deposits | 69.8338% | 4,339 |
| Total domestic deposits to total assets | 81.9141% | 4,316 |
| Equity capital to assets | 17.2773% | 396 |
| Core capital (leverage) ratio | 17.3633% | 341 |
| Tier 1 risk-based capital ratio | 28.7968% | 600 |
| Total risk-based capital ratio | 30.0480% | 591 |
| Memoranda: | ||
| Average total assets | $55,525,670 | 5,549 |
| Average earning assets | $52,577,330 | 5,496 |
| Average equity | $9,580,330 | 4,825 |
| Average total loans | $33,366,330 | 5,350 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2643% | 5,526 |
| Cost of funding earning assets | 0.4992% | 2,287 |
| Net interest margin | 2.7651% | 5,712 |
| Noninterest income to average assets | 0.2031% | 5,499 |
| Noninterest expense to average assets | 1.1387% | 6,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1050% | 1,855 |
| Return on assets (ROA) | 1.1242% | 1,884 |
| Pretax return on assets | 1.7044% | 1,040 |
| Return on Equity (ROE) | 6.5201% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.5201% | 2,231 |
| Net charge-offs to loans | 0.0590% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 46.2000% | 892 |
| Efficiency ratio | 40.4639% | 6,259 |
| Assets per employee ($millions) | 6.9905% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 2,349 |
| Loan loss allowance to noncurrent loans | 126.2087% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 3,059 |
| Noncurrent loans to loans | 1.2083% | 2,356 |
| Net loans and leases to total assets | 57.2724% | 4,055 |
| Net loans and leases to deposits | 69.8302% | 3,764 |
| Net loans and leases to core deposits | 70.7557% | 4,083 |
| Total domestic deposits to total assets | 82.0167% | 4,503 |
| Equity capital to assets | 17.1590% | 410 |
| Core capital (leverage) ratio | 17.4461% | 326 |
| Tier 1 risk-based capital ratio | 28.2413% | 639 |
| Total risk-based capital ratio | 29.4927% | 625 |
| Memoranda: | ||
| Average total assets | $55,150,500 | 5,614 |
| Average earning assets | $52,078,500 | 5,557 |
| Average equity | $9,509,000 | 4,877 |
| Average total loans | $33,922,500 | 5,378 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2377% | 5,783 |
| Cost of funding earning assets | 0.5326% | 2,357 |
| Net interest margin | 2.7051% | 5,930 |
| Noninterest income to average assets | 0.1052% | 6,133 |
| Noninterest expense to average assets | 1.5505% | 6,271 |
| Loan and lease loss provision to assets | 0.1088% | 2,340 |
| Net operating income to assets | 0.7072% | 3,850 |
| Return on assets (ROA) | 0.7072% | 3,970 |
| Pretax return on assets | 1.0246% | 3,407 |
| Return on Equity (ROE) | 4.2238% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.2238% | 3,186 |
| Net charge-offs to loans | -0.0468% | 5,910 |
| Credit loss provision to net charge-offs | -400.0000% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7703% | 5,485 |
| Assets per employee ($millions) | 6.0419% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 2,859 |
| Loan loss allowance to noncurrent loans | 108.6768% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9636% | 2,832 |
| Noncurrent loans to loans | 1.3052% | 2,264 |
| Net loans and leases to total assets | 64.0326% | 3,221 |
| Net loans and leases to deposits | 78.1975% | 2,953 |
| Net loans and leases to core deposits | 79.2656% | 3,381 |
| Total domestic deposits to total assets | 81.8857% | 4,460 |
| Equity capital to assets | 17.3272% | 389 |
| Core capital (leverage) ratio | 17.0568% | 363 |
| Tier 1 risk-based capital ratio | 25.5143% | 796 |
| Total risk-based capital ratio | 26.7664% | 786 |
| Memoranda: | ||
| Average total assets | $55,144,200 | 5,670 |
| Average earning assets | $52,568,000 | 5,609 |
| Average equity | $9,233,400 | 4,914 |
| Average total loans | $32,059,800 | 5,484 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 5,940 |
| Cost of funding earning assets | 0.5336% | 2,429 |
| Net interest margin | 2.6328% | 6,096 |
| Noninterest income to average assets | 0.1181% | 6,172 |
| Noninterest expense to average assets | 1.3975% | 6,410 |
| Loan and lease loss provision to assets | 0.1446% | 1,733 |
| Net operating income to assets | 0.7518% | 3,663 |
| Return on assets (ROA) | 0.7518% | 3,758 |
| Pretax return on assets | 1.0963% | 3,200 |
| Return on Equity (ROE) | 4.5284% | 4,951 |
| Retained earnings to average equity (ytd only) | 4.5284% | 3,424 |
| Net charge-offs to loans | -0.0341% | 5,787 |
| Credit loss provision to net charge-offs | -750.0000% | 5,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9680% | 5,921 |
| Assets per employee ($millions) | 6.1864% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 2,447 |
| Loan loss allowance to noncurrent loans | 95.3668% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 2,877 |
| Noncurrent loans to loans | 1.6382% | 1,990 |
| Net loans and leases to total assets | 55.9054% | 4,342 |
| Net loans and leases to deposits | 67.8060% | 4,153 |
| Net loans and leases to core deposits | 68.7039% | 4,443 |
| Total domestic deposits to total assets | 82.4491% | 4,317 |
| Equity capital to assets | 16.7858% | 457 |
| Core capital (leverage) ratio | 16.7627% | 396 |
| Tier 1 risk-based capital ratio | 28.1235% | 639 |
| Total risk-based capital ratio | 29.3765% | 619 |
| Memoranda: | ||
| Average total assets | $55,336,000 | 5,728 |
| Average earning assets | $52,971,750 | 5,659 |
| Average equity | $9,186,250 | 4,963 |
| Average total loans | $31,244,750 | 5,573 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1448% | 6,011 |
| Cost of funding earning assets | 0.5305% | 2,532 |
| Net interest margin | 2.6144% | 6,156 |
| Noninterest income to average assets | 0.1485% | 6,072 |
| Noninterest expense to average assets | 1.2930% | 6,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9163% | 2,723 |
| Return on assets (ROA) | 0.9163% | 2,825 |
| Pretax return on assets | 1.3545% | 2,065 |
| Return on Equity (ROE) | 5.5403% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.5403% | 2,616 |
| Net charge-offs to loans | -0.0835% | 6,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8372% | 6,237 |
| Assets per employee ($millions) | 6.1411% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 3,298 |
| Loan loss allowance to noncurrent loans | 78.3929% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1290% | 2,821 |
| Noncurrent loans to loans | 1.7987% | 1,906 |
| Net loans and leases to total assets | 55.5365% | 4,343 |
| Net loans and leases to deposits | 67.4630% | 4,114 |
| Net loans and leases to core deposits | 68.3646% | 4,429 |
| Total domestic deposits to total assets | 82.3213% | 4,538 |
| Equity capital to assets | 16.8102% | 441 |
| Core capital (leverage) ratio | 16.4498% | 415 |
| Tier 1 risk-based capital ratio | 28.2384% | 629 |
| Total risk-based capital ratio | 29.4893% | 616 |
| Memoranda: | ||
| Average total assets | $55,222,000 | 5,784 |
| Average earning assets | $52,785,330 | 5,712 |
| Average equity | $9,133,000 | 4,998 |
| Average total loans | $31,119,330 | 5,625 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1013% | 6,121 |
| Cost of funding earning assets | 0.5258% | 2,651 |
| Net interest margin | 2.5755% | 6,268 |
| Noninterest income to average assets | 0.2319% | 5,494 |
| Noninterest expense to average assets | 1.3261% | 6,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9421% | 2,444 |
| Return on assets (ROA) | 0.9421% | 2,516 |
| Pretax return on assets | 1.3551% | 1,896 |
| Return on Equity (ROE) | 5.7433% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.7433% | 2,671 |
| Net charge-offs to loans | -0.0129% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4595% | 6,290 |
| Assets per employee ($millions) | 6.2406% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 3,483 |
| Loan loss allowance to noncurrent loans | 104.6569% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 3,624 |
| Noncurrent loans to loans | 1.3623% | 2,756 |
| Net loans and leases to total assets | 52.5630% | 4,600 |
| Net loans and leases to deposits | 63.3044% | 4,400 |
| Net loans and leases to core deposits | 64.1295% | 4,682 |
| Total domestic deposits to total assets | 83.0321% | 4,594 |
| Equity capital to assets | 16.2681% | 492 |
| Core capital (leverage) ratio | 16.4625% | 424 |
| Tier 1 risk-based capital ratio | 28.9821% | 576 |
| Total risk-based capital ratio | 30.2327% | 563 |
| Memoranda: | ||
| Average total assets | $55,198,000 | 5,836 |
| Average earning assets | $52,494,500 | 5,775 |
| Average equity | $9,054,000 | 5,036 |
| Average total loans | $31,112,000 | 5,670 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0938% | 6,248 |
| Cost of funding earning assets | 0.5553% | 3,068 |
| Net interest margin | 2.5386% | 6,337 |
| Noninterest income to average assets | 0.1066% | 6,368 |
| Noninterest expense to average assets | 1.5471% | 6,545 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6615% | 3,978 |
| Return on assets (ROA) | 0.6615% | 4,081 |
| Pretax return on assets | 0.9536% | 3,545 |
| Return on Equity (ROE) | 4.0637% | 5,081 |
| Retained earnings to average equity (ytd only) | 4.0637% | 3,294 |
| Net charge-offs to loans | 0.0138% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 129.7500% | 358 |
| Efficiency ratio | 61.8663% | 5,238 |
| Assets per employee ($millions) | 6.0257% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,043 |
| Loan loss allowance to noncurrent loans | 96.5986% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 3,574 |
| Noncurrent loans to loans | 1.3664% | 2,854 |
| Net loans and leases to total assets | 58.7284% | 3,917 |
| Net loans and leases to deposits | 71.0249% | 3,650 |
| Net loans and leases to core deposits | 71.9882% | 4,068 |
| Total domestic deposits to total assets | 82.6870% | 4,642 |
| Equity capital to assets | 16.5422% | 444 |
| Core capital (leverage) ratio | 16.3505% | 431 |
| Tier 1 risk-based capital ratio | 26.3150% | 749 |
| Total risk-based capital ratio | 27.5571% | 725 |
| Memoranda: | ||
| Average total assets | $54,425,800 | 5,906 |
| Average earning assets | $51,328,200 | 5,850 |
| Average equity | $8,859,000 | 5,122 |
| Average total loans | $28,936,200 | 5,810 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0350% | 6,391 |
| Cost of funding earning assets | 0.5556% | 3,209 |
| Net interest margin | 2.4794% | 6,442 |
| Noninterest income to average assets | 0.1224% | 6,408 |
| Noninterest expense to average assets | 1.3780% | 6,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7416% | 3,642 |
| Return on assets (ROA) | 0.7416% | 3,767 |
| Pretax return on assets | 1.0818% | 3,184 |
| Return on Equity (ROE) | 4.5747% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.5747% | 3,419 |
| Net charge-offs to loans | -0.0522% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0199% | 5,901 |
| Assets per employee ($millions) | 6.0284% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 3,098 |
| Loan loss allowance to noncurrent loans | 87.6740% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 3,658 |
| Noncurrent loans to loans | 1.8020% | 2,496 |
| Net loans and leases to total assets | 50.6359% | 5,056 |
| Net loans and leases to deposits | 61.1476% | 4,854 |
| Net loans and leases to core deposits | 61.9752% | 5,116 |
| Total domestic deposits to total assets | 82.8093% | 4,649 |
| Equity capital to assets | 16.4332% | 477 |
| Core capital (leverage) ratio | 16.5727% | 423 |
| Tier 1 risk-based capital ratio | 29.9900% | 515 |
| Total risk-based capital ratio | 31.2441% | 512 |
| Memoranda: | ||
| Average total assets | $54,474,500 | 5,974 |
| Average earning assets | $51,355,500 | 5,916 |
| Average equity | $8,831,000 | 5,184 |
| Average total loans | $28,101,500 | 5,900 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0052% | 6,446 |
| Cost of funding earning assets | 0.5542% | 3,369 |
| Net interest margin | 2.4510% | 6,497 |
| Noninterest income to average assets | 0.1503% | 6,299 |
| Noninterest expense to average assets | 1.2650% | 6,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8030% | 3,284 |
| Return on assets (ROA) | 0.8030% | 3,434 |
| Pretax return on assets | 1.1880% | 2,726 |
| Return on Equity (ROE) | 4.9758% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.9758% | 3,072 |
| Net charge-offs to loans | -0.1207% | 6,552 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5695% | 6,309 |
| Assets per employee ($millions) | 6.0642% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 3,245 |
| Loan loss allowance to noncurrent loans | 124.1667% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 4,382 |
| Noncurrent loans to loans | 1.2681% | 3,434 |
| Net loans and leases to total assets | 51.1983% | 4,971 |
| Net loans and leases to deposits | 61.6190% | 4,788 |
| Net loans and leases to core deposits | 62.4452% | 5,058 |
| Total domestic deposits to total assets | 83.0884% | 4,669 |
| Equity capital to assets | 16.1567% | 508 |
| Core capital (leverage) ratio | 16.1662% | 447 |
| Tier 1 risk-based capital ratio | 29.3939% | 553 |
| Total risk-based capital ratio | 30.6478% | 545 |
| Memoranda: | ||
| Average total assets | $54,547,330 | 6,008 |
| Average earning assets | $51,244,670 | 5,961 |
| Average equity | $8,802,670 | 5,223 |
| Average total loans | $28,164,000 | 5,930 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9664% | 6,548 |
| Cost of funding earning assets | 0.5528% | 3,545 |
| Net interest margin | 2.4136% | 6,582 |
| Noninterest income to average assets | 0.2347% | 5,777 |
| Noninterest expense to average assets | 1.3350% | 6,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7922% | 3,210 |
| Return on assets (ROA) | 0.7922% | 3,342 |
| Pretax return on assets | 1.1736% | 2,673 |
| Return on Equity (ROE) | 4.9119% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.9119% | 3,291 |
| Net charge-offs to loans | 0.3565% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,223 |
| Efficiency ratio | 53.2164% | 6,280 |
| Assets per employee ($millions) | 6.9373% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 3,568 |
| Loan loss allowance to noncurrent loans | 104.1131% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 4,443 |
| Noncurrent loans to loans | 1.4994% | 3,306 |
| Net loans and leases to total assets | 46.0179% | 5,437 |
| Net loans and leases to deposits | 55.3403% | 5,317 |
| Net loans and leases to core deposits | 56.0693% | 5,514 |
| Total domestic deposits to total assets | 83.1543% | 4,807 |
| Equity capital to assets | 15.9339% | 569 |
| Core capital (leverage) ratio | 16.0105% | 457 |
| Tier 1 risk-based capital ratio | 31.9621% | 452 |
| Total risk-based capital ratio | 33.2155% | 446 |
| Memoranda: | ||
| Average total assets | $54,532,000 | 6,062 |
| Average earning assets | $51,375,500 | 6,011 |
| Average equity | $8,795,000 | 5,278 |
| Average total loans | $28,051,000 | 5,984 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4622% | 6,395 |
| Cost of funding earning assets | 0.6908% | 3,567 |
| Net interest margin | 2.7714% | 6,419 |
| Noninterest income to average assets | 0.0984% | 6,514 |
| Noninterest expense to average assets | 1.5605% | 6,830 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7680% | 3,428 |
| Return on assets (ROA) | 0.7680% | 3,675 |
| Pretax return on assets | 1.1406% | 3,017 |
| Return on Equity (ROE) | 4.7225% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.7225% | 2,900 |
| Net charge-offs to loans | -0.0440% | 6,683 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7731% | 5,864 |
| Assets per employee ($millions) | 6.6958% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 4,035 |
| Loan loss allowance to noncurrent loans | 160.4478% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 5,046 |
| Noncurrent loans to loans | 0.8887% | 4,396 |
| Net loans and leases to total assets | 55.4979% | 4,381 |
| Net loans and leases to deposits | 67.1273% | 4,115 |
| Net loans and leases to core deposits | 68.0493% | 4,526 |
| Total domestic deposits to total assets | 82.6756% | 4,860 |
| Equity capital to assets | 16.3294% | 497 |
| Core capital (leverage) ratio | 16.0704% | 446 |
| Tier 1 risk-based capital ratio | 27.5683% | 654 |
| Total risk-based capital ratio | 28.8187% | 639 |
| Memoranda: | ||
| Average total assets | $52,868,000 | 6,119 |
| Average earning assets | $49,650,600 | 6,068 |
| Average equity | $8,597,200 | 5,337 |
| Average total loans | $29,538,600 | 5,975 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 6,486 |
| Cost of funding earning assets | 0.7153% | 3,634 |
| Net interest margin | 2.8072% | 6,491 |
| Noninterest income to average assets | 0.1113% | 6,577 |
| Noninterest expense to average assets | 1.3638% | 7,010 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9185% | 2,890 |
| Return on assets (ROA) | 0.9185% | 3,116 |
| Pretax return on assets | 1.3790% | 2,308 |
| Return on Equity (ROE) | 5.6543% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.6543% | 2,921 |
| Net charge-offs to loans | -0.0772% | 6,801 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7232% | 6,610 |
| Assets per employee ($millions) | 6.6441% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 3,868 |
| Loan loss allowance to noncurrent loans | 98.1900% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 4,444 |
| Noncurrent loans to loans | 1.5478% | 3,467 |
| Net loans and leases to total assets | 52.9095% | 4,928 |
| Net loans and leases to deposits | 64.1433% | 4,695 |
| Net loans and leases to core deposits | 65.0333% | 5,050 |
| Total domestic deposits to total assets | 82.4864% | 4,839 |
| Equity capital to assets | 16.4243% | 542 |
| Core capital (leverage) ratio | 16.5397% | 422 |
| Tier 1 risk-based capital ratio | 28.9218% | 590 |
| Total risk-based capital ratio | 30.1731% | 583 |
| Memoranda: | ||
| Average total assets | $52,693,500 | 6,200 |
| Average earning assets | $49,394,750 | 6,142 |
| Average equity | $8,559,750 | 5,395 |
| Average total loans | $29,383,750 | 6,050 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 6,546 |
| Cost of funding earning assets | 0.7269% | 3,792 |
| Net interest margin | 2.8229% | 6,539 |
| Noninterest income to average assets | 0.1865% | 6,234 |
| Noninterest expense to average assets | 1.2752% | 7,115 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0430% | 2,282 |
| Return on assets (ROA) | 1.0430% | 2,510 |
| Pretax return on assets | 1.5721% | 1,631 |
| Return on Equity (ROE) | 6.4448% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.4448% | 2,412 |
| Net charge-offs to loans | -0.1214% | 6,896 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7861% | 6,926 |
| Assets per employee ($millions) | 6.4924% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 3,986 |
| Loan loss allowance to noncurrent loans | 91.7722% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 4,245 |
| Noncurrent loans to loans | 1.6391% | 3,452 |
| Net loans and leases to total assets | 54.8393% | 4,657 |
| Net loans and leases to deposits | 66.6721% | 4,423 |
| Net loans and leases to core deposits | 67.6219% | 4,834 |
| Total domestic deposits to total assets | 82.2523% | 5,035 |
| Equity capital to assets | 16.6291% | 494 |
| Core capital (leverage) ratio | 16.1371% | 442 |
| Tier 1 risk-based capital ratio | 28.8657% | 582 |
| Total risk-based capital ratio | 30.1174% | 566 |
| Memoranda: | ||
| Average total assets | $52,540,330 | 6,249 |
| Average earning assets | $49,523,000 | 6,172 |
| Average equity | $8,503,000 | 5,413 |
| Average total loans | $29,659,330 | 6,079 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6005% | 6,574 |
| Cost of funding earning assets | 0.7474% | 3,882 |
| Net interest margin | 2.8531% | 6,551 |
| Noninterest income to average assets | 0.2725% | 5,691 |
| Noninterest expense to average assets | 1.2793% | 7,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1128% | 2,021 |
| Return on assets (ROA) | 1.1128% | 2,205 |
| Pretax return on assets | 1.6805% | 1,357 |
| Return on Equity (ROE) | 6.9701% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.9701% | 2,449 |
| Net charge-offs to loans | -0.1732% | 6,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2225% | 7,018 |
| Assets per employee ($millions) | 6.6319% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 4,247 |
| Loan loss allowance to noncurrent loans | 95.7684% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 4,520 |
| Noncurrent loans to loans | 1.5476% | 3,791 |
| Net loans and leases to total assets | 53.8743% | 4,744 |
| Net loans and leases to deposits | 64.9939% | 4,491 |
| Net loans and leases to core deposits | 65.8928% | 4,925 |
| Total domestic deposits to total assets | 82.8913% | 4,976 |
| Equity capital to assets | 16.0305% | 573 |
| Core capital (leverage) ratio | 15.8619% | 485 |
| Tier 1 risk-based capital ratio | 28.5094% | 603 |
| Total risk-based capital ratio | 29.7609% | 594 |
| Memoranda: | ||
| Average total assets | $52,841,000 | 6,272 |
| Average earning assets | $49,771,000 | 6,202 |
| Average equity | $8,436,000 | 5,456 |
| Average total loans | $30,030,000 | 6,110 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 6,485 |
| Cost of funding earning assets | 0.9735% | 3,551 |
| Net interest margin | 3.0097% | 6,516 |
| Noninterest income to average assets | 0.1620% | 6,334 |
| Noninterest expense to average assets | 1.6033% | 7,118 |
| Loan and lease loss provision to assets | 0.0410% | 6,063 |
| Net operating income to assets | 0.9185% | 2,529 |
| Return on assets (ROA) | 0.9185% | 2,646 |
| Pretax return on assets | 1.3572% | 1,921 |
| Return on Equity (ROE) | 5.5090% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.5090% | 2,294 |
| Net charge-offs to loans | 0.1919% | 4,605 |
| Credit loss provision to net charge-offs | 35.7143% | 5,700 |
| Earnings coverage of net charge-offs (x) | 12.1786% | 1,646 |
| Efficiency ratio | 53.4153% | 6,569 |
| Assets per employee ($millions) | 6.5784% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 4,693 |
| Loan loss allowance to noncurrent loans | 75.8182% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 4,356 |
| Noncurrent loans to loans | 1.7715% | 3,503 |
| Net loans and leases to total assets | 58.2021% | 4,334 |
| Net loans and leases to deposits | 70.1622% | 4,067 |
| Net loans and leases to core deposits | 71.1399% | 4,633 |
| Total domestic deposits to total assets | 82.9536% | 4,768 |
| Equity capital to assets | 15.8987% | 593 |
| Core capital (leverage) ratio | 15.8318% | 479 |
| Tier 1 risk-based capital ratio | 26.0612% | 771 |
| Total risk-based capital ratio | 27.3109% | 761 |
| Memoranda: | ||
| Average total assets | $48,775,200 | 6,399 |
| Average earning assets | $46,018,400 | 6,332 |
| Average equity | $8,132,200 | 5,531 |
| Average total loans | $29,178,400 | 6,193 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 6,554 |
| Cost of funding earning assets | 1.0149% | 3,573 |
| Net interest margin | 3.0032% | 6,577 |
| Noninterest income to average assets | 0.1896% | 6,237 |
| Noninterest expense to average assets | 1.4166% | 7,269 |
| Loan and lease loss provision to assets | 0.0558% | 5,745 |
| Net operating income to assets | 1.0485% | 2,145 |
| Return on assets (ROA) | 1.0485% | 2,291 |
| Pretax return on assets | 1.5560% | 1,496 |
| Return on Equity (ROE) | 6.2095% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.2095% | 2,424 |
| Net charge-offs to loans | 0.1161% | 4,858 |
| Credit loss provision to net charge-offs | 80.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | 23.1218% | 1,128 |
| Efficiency ratio | 46.7772% | 7,023 |
| Assets per employee ($millions) | 6.1909% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 3,850 |
| Loan loss allowance to noncurrent loans | 74.7913% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.2942% | 4,221 |
| Noncurrent loans to loans | 2.0846% | 3,262 |
| Net loans and leases to total assets | 57.1123% | 4,663 |
| Net loans and leases to deposits | 69.5808% | 4,367 |
| Net loans and leases to core deposits | 70.6232% | 4,872 |
| Total domestic deposits to total assets | 82.0805% | 5,062 |
| Equity capital to assets | 16.7424% | 510 |
| Core capital (leverage) ratio | 16.7218% | 421 |
| Tier 1 risk-based capital ratio | 28.2325% | 637 |
| Total risk-based capital ratio | 29.4844% | 627 |
| Memoranda: | ||
| Average total assets | $47,812,250 | 6,483 |
| Average earning assets | $45,194,750 | 6,415 |
| Average equity | $8,073,500 | 5,571 |
| Average total loans | $28,711,250 | 6,274 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 6,623 |
| Cost of funding earning assets | 1.0412% | 3,662 |
| Net interest margin | 2.9850% | 6,635 |
| Noninterest income to average assets | 0.2371% | 5,957 |
| Noninterest expense to average assets | 1.2913% | 7,396 |
| Loan and lease loss provision to assets | 0.0847% | 5,252 |
| Net operating income to assets | 1.1304% | 1,787 |
| Return on assets (ROA) | 1.1304% | 1,864 |
| Pretax return on assets | 1.6892% | 1,078 |
| Return on Equity (ROE) | 6.6744% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.6744% | 2,036 |
| Net charge-offs to loans | 0.0557% | 5,091 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 52.3750% | 608 |
| Efficiency ratio | 42.1271% | 7,297 |
| Assets per employee ($millions) | 6.7917% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 3,475 |
| Loan loss allowance to noncurrent loans | 71.3190% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.4598% | 4,032 |
| Noncurrent loans to loans | 2.3204% | 3,070 |
| Net loans and leases to total assets | 58.1233% | 4,602 |
| Net loans and leases to deposits | 71.2338% | 4,253 |
| Net loans and leases to core deposits | 72.3528% | 4,775 |
| Total domestic deposits to total assets | 81.5952% | 5,319 |
| Equity capital to assets | 17.1743% | 470 |
| Core capital (leverage) ratio | 16.7098% | 430 |
| Tier 1 risk-based capital ratio | 28.3822% | 632 |
| Total risk-based capital ratio | 29.6367% | 614 |
| Memoranda: | ||
| Average total assets | $47,240,670 | 6,556 |
| Average earning assets | $44,757,000 | 6,482 |
| Average equity | $8,000,670 | 5,607 |
| Average total loans | $28,703,670 | 6,335 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 6,731 |
| Cost of funding earning assets | 1.0349% | 3,955 |
| Net interest margin | 2.9442% | 6,686 |
| Noninterest income to average assets | 0.0934% | 6,953 |
| Noninterest expense to average assets | 1.4186% | 7,408 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0023% | 2,176 |
| Return on assets (ROA) | 1.0023% | 2,225 |
| Pretax return on assets | 1.4780% | 1,509 |
| Return on Equity (ROE) | 5.9607% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.9607% | 2,664 |
| Net charge-offs to loans | 0.0965% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 24.8571% | 978 |
| Efficiency ratio | 48.9736% | 7,065 |
| Assets per employee ($millions) | 6.8363% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 3,702 |
| Loan loss allowance to noncurrent loans | 73.5974% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 4,263 |
| Noncurrent loans to loans | 2.1813% | 3,343 |
| Net loans and leases to total assets | 57.1217% | 4,780 |
| Net loans and leases to deposits | 69.5830% | 4,414 |
| Net loans and leases to core deposits | 70.6623% | 4,968 |
| Total domestic deposits to total assets | 82.0914% | 5,274 |
| Equity capital to assets | 16.6799% | 481 |
| Core capital (leverage) ratio | 16.5363% | 434 |
| Tier 1 risk-based capital ratio | 27.5977% | 661 |
| Total risk-based capital ratio | 28.8509% | 642 |
| Memoranda: | ||
| Average total assets | $47,090,000 | 6,611 |
| Average earning assets | $44,834,000 | 6,529 |
| Average equity | $7,918,500 | 5,637 |
| Average total loans | $29,006,500 | 6,371 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 6,161 |
| Cost of funding earning assets | 1.3151% | 3,787 |
| Net interest margin | 3.2674% | 6,080 |
| Noninterest income to average assets | 0.1961% | 6,372 |
| Noninterest expense to average assets | 1.7197% | 7,338 |
| Loan and lease loss provision to assets | 0.0456% | 6,711 |
| Net operating income to assets | 1.0400% | 1,910 |
| Return on assets (ROA) | 1.0400% | 2,011 |
| Pretax return on assets | 1.5418% | 1,269 |
| Return on Equity (ROE) | 5.9420% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.9420% | 1,847 |
| Net charge-offs to loans | 0.0327% | 6,476 |
| Credit loss provision to net charge-offs | 222.2222% | 1,343 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 313 |
| Efficiency ratio | 52.0000% | 6,988 |
| Assets per employee ($millions) | 5.7908% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 4,021 |
| Loan loss allowance to noncurrent loans | 74.3842% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.4053% | 4,237 |
| Noncurrent loans to loans | 2.0144% | 3,541 |
| Net loans and leases to total assets | 64.2814% | 3,812 |
| Net loans and leases to deposits | 78.6369% | 3,403 |
| Net loans and leases to core deposits | 78.6369% | 4,382 |
| Total domestic deposits to total assets | 81.7446% | 5,267 |
| Equity capital to assets | 16.9559% | 466 |
| Core capital (leverage) ratio | 16.7780% | 413 |
| Tier 1 risk-based capital ratio | 25.1505% | 830 |
| Total risk-based capital ratio | 26.4032% | 812 |
| Memoranda: | ||
| Average total assets | $43,845,600 | 6,742 |
| Average earning assets | $41,745,400 | 6,647 |
| Average equity | $7,674,200 | 5,816 |
| Average total loans | $27,500,600 | 6,528 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 6,155 |
| Cost of funding earning assets | 1.3681% | 3,789 |
| Net interest margin | 3.2905% | 6,047 |
| Noninterest income to average assets | 0.2313% | 6,241 |
| Noninterest expense to average assets | 1.5268% | 7,537 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2246% | 1,529 |
| Return on assets (ROA) | 1.2246% | 1,603 |
| Pretax return on assets | 1.8353% | 862 |
| Return on Equity (ROE) | 6.9383% | 3,373 |
| Retained earnings to average equity (ytd only) | 6.9383% | 1,888 |
| Net charge-offs to loans | 0.0298% | 6,264 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 99.1638% | 311 |
| Efficiency ratio | 45.4128% | 7,408 |
| Assets per employee ($millions) | 6.3470% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 3,558 |
| Loan loss allowance to noncurrent loans | 62.5538% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.6633% | 3,948 |
| Noncurrent loans to loans | 2.5440% | 3,080 |
| Net loans and leases to total assets | 60.6856% | 4,781 |
| Net loans and leases to deposits | 75.0654% | 4,336 |
| Net loans and leases to core deposits | 75.0654% | 5,172 |
| Total domestic deposits to total assets | 80.8436% | 5,433 |
| Equity capital to assets | 17.6776% | 445 |
| Core capital (leverage) ratio | 17.3926% | 395 |
| Tier 1 risk-based capital ratio | 27.5748% | 655 |
| Total risk-based capital ratio | 28.8271% | 646 |
| Memoranda: | ||
| Average total assets | $43,225,500 | 6,846 |
| Average earning assets | $41,127,000 | 6,756 |
| Average equity | $7,629,000 | 5,906 |
| Average total loans | $26,817,750 | 6,655 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 6,199 |
| Cost of funding earning assets | 1.3827% | 3,991 |
| Net interest margin | 3.2998% | 6,020 |
| Noninterest income to average assets | 0.3129% | 5,662 |
| Noninterest expense to average assets | 1.4431% | 7,643 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3357% | 1,226 |
| Return on assets (ROA) | 1.3357% | 1,300 |
| Pretax return on assets | 2.0129% | 588 |
| Return on Equity (ROE) | 7.5721% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.5721% | 1,608 |
| Net charge-offs to loans | 0.0075% | 6,255 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 431.0000% | 78 |
| Efficiency ratio | 41.7568% | 7,601 |
| Assets per employee ($millions) | 5.3223% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 3,256 |
| Loan loss allowance to noncurrent loans | 63.9130% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.7380% | 3,839 |
| Noncurrent loans to loans | 2.5790% | 3,060 |
| Net loans and leases to total assets | 61.8019% | 4,721 |
| Net loans and leases to deposits | 76.9055% | 4,173 |
| Net loans and leases to core deposits | 76.9055% | 5,092 |
| Total domestic deposits to total assets | 80.3607% | 5,610 |
| Equity capital to assets | 18.1103% | 408 |
| Core capital (leverage) ratio | 17.8303% | 371 |
| Tier 1 risk-based capital ratio | 27.6677% | 651 |
| Total risk-based capital ratio | 28.9206% | 635 |
| Memoranda: | ||
| Average total assets | $42,824,330 | 6,909 |
| Average earning assets | $40,790,330 | 6,820 |
| Average equity | $7,554,000 | 5,945 |
| Average total loans | $26,624,330 | 6,714 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 6,913 |
| Cost of funding earning assets | 1.3830% | 4,285 |
| Net interest margin | 3.0603% | 6,690 |
| Noninterest income to average assets | 0.5309% | 3,808 |
| Noninterest expense to average assets | 1.5368% | 7,697 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2667% | 1,371 |
| Return on assets (ROA) | 1.2667% | 1,443 |
| Pretax return on assets | 1.9000% | 731 |
| Return on Equity (ROE) | 7.2771% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.2771% | 2,021 |
| Net charge-offs to loans | 0.0452% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 446 |
| Efficiency ratio | 44.7154% | 7,599 |
| Assets per employee ($millions) | 5.3328% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,093 |
| Loan loss allowance to noncurrent loans | 48.5619% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 2.2643% | 3,194 |
| Noncurrent loans to loans | 3.4856% | 2,286 |
| Net loans and leases to total assets | 59.7628% | 5,158 |
| Net loans and leases to deposits | 74.0216% | 4,735 |
| Net loans and leases to core deposits | 74.0216% | 5,496 |
| Total domestic deposits to total assets | 80.7370% | 5,538 |
| Equity capital to assets | 17.6715% | 453 |
| Core capital (leverage) ratio | 17.4615% | 409 |
| Tier 1 risk-based capital ratio | 27.6809% | 659 |
| Total risk-based capital ratio | 28.9373% | 650 |
| Memoranda: | ||
| Average total assets | $42,947,500 | 6,984 |
| Average earning assets | $40,780,000 | 6,905 |
| Average equity | $7,475,500 | 6,027 |
| Average total loans | $26,559,000 | 6,806 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 6,720 |
| Cost of funding earning assets | 1.6792% | 4,617 |
| Net interest margin | 3.2153% | 6,037 |
| Noninterest income to average assets | 0.2627% | 6,237 |
| Noninterest expense to average assets | 1.8697% | 7,546 |
| Loan and lease loss provision to assets | 0.0473% | 7,091 |
| Net operating income to assets | 0.9206% | 2,102 |
| Return on assets (ROA) | 0.9206% | 2,172 |
| Pretax return on assets | 1.3774% | 1,487 |
| Return on Equity (ROE) | 5.3440% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.3440% | 1,651 |
| Net charge-offs to loans | 0.2189% | 5,252 |
| Credit loss provision to net charge-offs | 36.3636% | 6,859 |
| Earnings coverage of net charge-offs (x) | 10.9455% | 1,639 |
| Efficiency ratio | 56.7529% | 6,922 |
| Assets per employee ($millions) | 5.4041% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 3,175 |
| Loan loss allowance to noncurrent loans | 50.0566% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 3,148 |
| Noncurrent loans to loans | 3.2484% | 2,349 |
| Net loans and leases to total assets | 61.8532% | 5,019 |
| Net loans and leases to deposits | 76.2047% | 4,706 |
| Net loans and leases to core deposits | 83.4691% | 5,772 |
| Total domestic deposits to total assets | 81.1672% | 5,282 |
| Equity capital to assets | 17.1443% | 536 |
| Core capital (leverage) ratio | 17.1513% | 477 |
| Tier 1 risk-based capital ratio | 26.1307% | 752 |
| Total risk-based capital ratio | 27.3848% | 737 |
| Memoranda: | ||
| Average total assets | $42,253,600 | 7,020 |
| Average earning assets | $39,841,000 | 6,947 |
| Average equity | $7,279,200 | 6,182 |
| Average total loans | $25,127,400 | 6,906 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 6,766 |
| Cost of funding earning assets | 1.7159% | 4,821 |
| Net interest margin | 3.2328% | 5,905 |
| Noninterest income to average assets | 0.3110% | 5,999 |
| Noninterest expense to average assets | 1.6441% | 7,803 |
| Loan and lease loss provision to assets | 0.0635% | 6,724 |
| Net operating income to assets | 1.0918% | 1,762 |
| Return on assets (ROA) | 1.0918% | 1,820 |
| Pretax return on assets | 1.6473% | 1,077 |
| Return on Equity (ROE) | 6.3298% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.3298% | 1,803 |
| Net charge-offs to loans | 0.3358% | 3,959 |
| Credit loss provision to net charge-offs | 32.2581% | 6,488 |
| Earnings coverage of net charge-offs (x) | 8.6940% | 2,212 |
| Efficiency ratio | 49.0066% | 7,622 |
| Assets per employee ($millions) | 5.2001% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 2,503 |
| Loan loss allowance to noncurrent loans | 87.8788% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 4,413 |
| Noncurrent loans to loans | 1.9736% | 3,677 |
| Net loans and leases to total assets | 59.2438% | 5,704 |
| Net loans and leases to deposits | 73.7220% | 5,400 |
| Net loans and leases to core deposits | 81.8586% | 6,203 |
| Total domestic deposits to total assets | 80.3610% | 5,307 |
| Equity capital to assets | 17.7808% | 530 |
| Core capital (leverage) ratio | 17.3199% | 511 |
| Tier 1 risk-based capital ratio | 27.9642% | 687 |
| Total risk-based capital ratio | 29.2191% | 674 |
| Memoranda: | ||
| Average total assets | $42,008,750 | 7,079 |
| Average earning assets | $39,551,750 | 7,015 |
| Average equity | $7,246,000 | 6,246 |
| Average total loans | $24,613,500 | 7,001 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 6,680 |
| Cost of funding earning assets | 1.7571% | 4,961 |
| Net interest margin | 3.2704% | 5,661 |
| Noninterest income to average assets | 0.4081% | 5,213 |
| Noninterest expense to average assets | 1.5660% | 7,933 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2481% | 1,364 |
| Return on assets (ROA) | 1.2481% | 1,438 |
| Pretax return on assets | 1.8982% | 696 |
| Return on Equity (ROE) | 7.3100% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.3100% | 1,464 |
| Net charge-offs to loans | 0.4906% | 2,864 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,575 |
| Efficiency ratio | 45.2055% | 7,878 |
| Assets per employee ($millions) | 5.3516% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 2,113 |
| Loan loss allowance to noncurrent loans | 117.4648% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 5,030 |
| Noncurrent loans to loans | 1.5123% | 4,226 |
| Net loans and leases to total assets | 53.8551% | 6,471 |
| Net loans and leases to deposits | 66.3988% | 6,353 |
| Net loans and leases to core deposits | 73.9125% | 6,796 |
| Total domestic deposits to total assets | 81.1085% | 5,035 |
| Equity capital to assets | 17.0345% | 660 |
| Core capital (leverage) ratio | 17.1198% | 601 |
| Tier 1 risk-based capital ratio | 29.0461% | 664 |
| Total risk-based capital ratio | 30.3038% | 639 |
| Memoranda: | ||
| Average total assets | $42,144,670 | 7,128 |
| Average earning assets | $39,384,000 | 7,076 |
| Average equity | $7,195,670 | 6,303 |
| Average total loans | $24,457,670 | 7,058 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 6,734 |
| Cost of funding earning assets | 1.8239% | 5,005 |
| Net interest margin | 3.2482% | 5,694 |
| Noninterest income to average assets | 0.7175% | 2,779 |
| Noninterest expense to average assets | 1.5211% | 7,973 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4542% | 1,032 |
| Return on assets (ROA) | 1.4542% | 1,106 |
| Pretax return on assets | 2.2291% | 416 |
| Return on Equity (ROE) | 8.5071% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.5071% | 1,629 |
| Net charge-offs to loans | -0.0481% | 7,684 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5612% | 8,037 |
| Assets per employee ($millions) | 5.1574% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0105% | 1,393 |
| Loan loss allowance to noncurrent loans | 188.2353% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 5,252 |
| Noncurrent loans to loans | 1.0681% | 4,845 |
| Net loans and leases to total assets | 56.7028% | 6,140 |
| Net loans and leases to deposits | 70.3990% | 5,942 |
| Net loans and leases to core deposits | 78.4698% | 6,502 |
| Total domestic deposits to total assets | 80.5449% | 5,155 |
| Equity capital to assets | 17.4459% | 678 |
| Core capital (leverage) ratio | 16.7707% | 682 |
| Tier 1 risk-based capital ratio | 28.4027% | 724 |
| Total risk-based capital ratio | 29.6596% | 711 |
| Memoranda: | ||
| Average total assets | $41,810,500 | 7,176 |
| Average earning assets | $39,036,500 | 7,124 |
| Average equity | $7,147,000 | 6,356 |
| Average total loans | $24,949,500 | 7,069 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 5,732 |
| Cost of funding earning assets | 2.3524% | 4,921 |
| Net interest margin | 3.6121% | 4,827 |
| Noninterest income to average assets | 0.2156% | 6,890 |
| Noninterest expense to average assets | 1.9556% | 7,527 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0752% | 2,236 |
| Return on assets (ROA) | 1.0752% | 2,152 |
| Pretax return on assets | 1.6336% | 1,299 |
| Return on Equity (ROE) | 6.0567% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.0567% | 1,506 |
| Net charge-offs to loans | -0.0662% | 8,052 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4863% | 7,216 |
| Assets per employee ($millions) | 5.2953% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 1,564 |
| Loan loss allowance to noncurrent loans | 275.7225% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 5,527 |
| Noncurrent loans to loans | 0.6648% | 5,375 |
| Net loans and leases to total assets | 60.3064% | 5,868 |
| Net loans and leases to deposits | 74.2948% | 5,812 |
| Net loans and leases to core deposits | 82.4070% | 6,424 |
| Total domestic deposits to total assets | 81.1718% | 4,572 |
| Equity capital to assets | 16.7509% | 804 |
| Core capital (leverage) ratio | 17.0093% | 698 |
| Tier 1 risk-based capital ratio | 25.2318% | 965 |
| Total risk-based capital ratio | 26.4887% | 946 |
| Memoranda: | ||
| Average total assets | $38,504,400 | 7,280 |
| Average earning assets | $35,962,800 | 7,240 |
| Average equity | $6,835,400 | 6,511 |
| Average total loans | $24,173,200 | 7,069 |