Home > The Lyons State Bank > Performance and Condition Ratios
The Lyons State Bank, Performance and Condition Ratios
| 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 | 4.3041% | 3,624 |
| Cost of funding earning assets | 0.7707% | 2,798 |
| Net interest margin | 3.5335% | 3,491 |
| Noninterest income to average assets | 0.7041% | 1,694 |
| Noninterest expense to average assets | 2.9734% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1125% | 2,474 |
| Return on assets (ROA) | 1.1894% | 2,249 |
| Pretax return on assets | 1.2080% | 2,881 |
| Return on Equity (ROE) | 9.5050% | 2,630 |
| Retained earnings to average equity (ytd only) | 2.9208% | 3,755 |
| Net charge-offs to loans | 0.0146% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 136.7500% | 535 |
| Efficiency ratio | 72.4711% | 1,849 |
| Assets per employee ($millions) | 4.8330% | 2,696 |
| Cash dividends to net income (ytd only)* | 69.2708% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8106% | 666 |
| Loan loss allowance to noncurrent loans | 3,174.1935% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 4,120 |
| Noncurrent loans to loans | 0.0570% | 4,425 |
| Net loans and leases to total assets | 55.2069% | 4,124 |
| Net loans and leases to deposits | 66.3934% | 4,073 |
| Net loans and leases to core deposits | 75.4898% | 3,769 |
| Total domestic deposits to total assets | 83.1513% | 3,157 |
| Equity capital to assets | 13.0478% | 1,563 |
| Core capital (leverage) ratio | 12.8739% | 1,367 |
| Tier 1 risk-based capital ratio | 19.9191% | 1,364 |
| Total risk-based capital ratio | 21.1717% | 1,337 |
| Memoranda: | ||
| Average total assets | $96,857,330 | 4,118 |
| Average earning assets | $93,166,000 | 4,055 |
| Average equity | $12,120,000 | 4,029 |
| Average total loans | $54,634,000 | 4,156 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 3,648 |
| Cost of funding earning assets | 0.7511% | 2,786 |
| Net interest margin | 3.5193% | 3,542 |
| Noninterest income to average assets | 0.5693% | 2,187 |
| Noninterest expense to average assets | 2.9745% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9984% | 2,847 |
| Return on assets (ROA) | 0.9984% | 2,885 |
| Pretax return on assets | 0.9778% | 3,517 |
| Return on Equity (ROE) | 8.1523% | 3,192 |
| Retained earnings to average equity (ytd only) | -2.1223% | 4,753 |
| Net charge-offs to loans | 0.0803% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 21.5455% | 1,529 |
| Efficiency ratio | 75.2610% | 1,578 |
| Assets per employee ($millions) | 4.8651% | 2,684 |
| Cash dividends to net income (ytd only)* | 126.0331% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 676 |
| Loan loss allowance to noncurrent loans | 1,268.8312% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 3,952 |
| Noncurrent loans to loans | 0.1436% | 4,096 |
| Net loans and leases to total assets | 54.0858% | 4,205 |
| Net loans and leases to deposits | 63.8293% | 4,189 |
| Net loans and leases to core deposits | 71.8101% | 3,955 |
| Total domestic deposits to total assets | 84.7350% | 2,774 |
| Equity capital to assets | 12.3873% | 1,806 |
| Core capital (leverage) ratio | 12.6019% | 1,455 |
| Tier 1 risk-based capital ratio | 19.6934% | 1,402 |
| Total risk-based capital ratio | 20.9467% | 1,376 |
| Memoranda: | ||
| Average total assets | $96,956,000 | 4,151 |
| Average earning assets | $93,201,000 | 4,092 |
| Average equity | $11,874,000 | 4,075 |
| Average total loans | $54,777,500 | 4,195 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,999 |
| Cost of funding earning assets | 0.7835% | 1,618 |
| Net interest margin | 3.8633% | 2,454 |
| Noninterest income to average assets | 0.4761% | 2,966 |
| Noninterest expense to average assets | 2.9014% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2309% | 2,046 |
| Return on assets (ROA) | 1.2289% | 2,046 |
| Pretax return on assets | 1.2842% | 2,562 |
| Return on Equity (ROE) | 10.3133% | 2,387 |
| Retained earnings to average equity (ytd only) | 4.3900% | 3,128 |
| Net charge-offs to loans | 0.2750% | 704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.9484% | 2,935 |
| Efficiency ratio | 69.2845% | 2,328 |
| Assets per employee ($millions) | 4.8306% | 2,695 |
| Cash dividends to net income (ytd only)* | 57.4342% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 729 |
| Loan loss allowance to noncurrent loans | 978.2178% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 3,670 |
| Noncurrent loans to loans | 0.1805% | 3,943 |
| Net loans and leases to total assets | 56.8921% | 4,058 |
| Net loans and leases to deposits | 66.9321% | 4,051 |
| Net loans and leases to core deposits | 74.5446% | 3,816 |
| Total domestic deposits to total assets | 84.9996% | 2,649 |
| Equity capital to assets | 12.1052% | 1,819 |
| Core capital (leverage) ratio | 12.9196% | 1,281 |
| Tier 1 risk-based capital ratio | 20.2477% | 1,264 |
| Total risk-based capital ratio | 21.5014% | 1,242 |
| Memoranda: | ||
| Average total assets | $95,779,800 | 4,171 |
| Average earning assets | $92,019,800 | 4,107 |
| Average equity | $11,412,400 | 4,098 |
| Average total loans | $56,355,600 | 4,178 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 2,115 |
| Cost of funding earning assets | 0.6037% | 2,447 |
| Net interest margin | 3.9501% | 2,130 |
| Noninterest income to average assets | 0.5525% | 2,556 |
| Noninterest expense to average assets | 2.9450% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3433% | 1,690 |
| Return on assets (ROA) | 1.3407% | 1,709 |
| Pretax return on assets | 1.4021% | 2,224 |
| Return on Equity (ROE) | 11.2972% | 2,055 |
| Retained earnings to average equity (ytd only) | 3.3504% | 4,077 |
| Net charge-offs to loans | -0.0142% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7037% | 2,591 |
| Assets per employee ($millions) | 4.7056% | 2,843 |
| Cash dividends to net income (ytd only)* | 70.3434% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 422 |
| Loan loss allowance to noncurrent loans | 1,173.4694% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 3,847 |
| Noncurrent loans to loans | 0.1770% | 4,094 |
| Net loans and leases to total assets | 57.6107% | 4,078 |
| Net loans and leases to deposits | 67.7539% | 4,077 |
| Net loans and leases to core deposits | 76.1906% | 3,787 |
| Total domestic deposits to total assets | 85.0294% | 2,596 |
| Equity capital to assets | 11.8923% | 1,977 |
| Core capital (leverage) ratio | 12.7143% | 1,409 |
| Tier 1 risk-based capital ratio | 20.4966% | 1,247 |
| Total risk-based capital ratio | 21.7543% | 1,221 |
| Memoranda: | ||
| Average total assets | $95,572,000 | 4,218 |
| Average earning assets | $91,876,250 | 4,147 |
| Average equity | $11,341,750 | 4,149 |
| Average total loans | $56,456,500 | 4,220 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,474 |
| Cost of funding earning assets | 0.5700% | 2,435 |
| Net interest margin | 4.1419% | 1,439 |
| Noninterest income to average assets | 0.3144% | 4,074 |
| Noninterest expense to average assets | 2.6754% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5489% | 1,037 |
| Return on assets (ROA) | 1.5449% | 1,048 |
| Pretax return on assets | 1.6136% | 1,458 |
| Return on Equity (ROE) | 13.0271% | 1,364 |
| Retained earnings to average equity (ytd only) | 4.2838% | 3,464 |
| Net charge-offs to loans | -0.3907% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3181% | 3,585 |
| Assets per employee ($millions) | 4.7550% | 2,741 |
| Cash dividends to net income (ytd only)* | 67.1159% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2538% | 339 |
| Loan loss allowance to noncurrent loans | 617.7340% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 3,455 |
| Noncurrent loans to loans | 0.3649% | 3,386 |
| Net loans and leases to total assets | 57.1872% | 4,069 |
| Net loans and leases to deposits | 69.2494% | 3,920 |
| Net loans and leases to core deposits | 77.3371% | 3,635 |
| Total domestic deposits to total assets | 82.5815% | 3,537 |
| Equity capital to assets | 11.8770% | 1,940 |
| Core capital (leverage) ratio | 12.3910% | 1,492 |
| Tier 1 risk-based capital ratio | 19.1039% | 1,528 |
| Total risk-based capital ratio | 20.3634% | 1,490 |
| Memoranda: | ||
| Average total assets | $96,059,000 | 4,244 |
| Average earning assets | $92,276,670 | 4,174 |
| Average equity | $11,391,670 | 4,170 |
| Average total loans | $56,819,330 | 4,250 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1220% | 561 |
| Cost of funding earning assets | 0.5428% | 2,459 |
| Net interest margin | 4.5792% | 525 |
| Noninterest income to average assets | 0.9488% | 1,025 |
| Noninterest expense to average assets | 3.2153% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0469% | 330 |
| Return on assets (ROA) | 2.0469% | 333 |
| Pretax return on assets | 2.1380% | 429 |
| Return on Equity (ROE) | 17.2727% | 487 |
| Retained earnings to average equity (ytd only) | 9.8252% | 1,217 |
| Net charge-offs to loans | -0.8431% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0619% | 4,059 |
| Assets per employee ($millions) | 4.5920% | 3,010 |
| Cash dividends to net income (ytd only)* | 43.1174% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2099% | 381 |
| Loan loss allowance to noncurrent loans | 359.0909% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 2,806 |
| Noncurrent loans to loans | 0.6154% | 2,697 |
| Net loans and leases to total assets | 58.0030% | 3,940 |
| Net loans and leases to deposits | 67.9768% | 3,949 |
| Net loans and leases to core deposits | 75.1246% | 3,733 |
| Total domestic deposits to total assets | 85.3276% | 2,814 |
| Equity capital to assets | 11.8206% | 1,903 |
| Core capital (leverage) ratio | 12.4397% | 1,417 |
| Tier 1 risk-based capital ratio | 18.7998% | 1,604 |
| Total risk-based capital ratio | 20.0575% | 1,563 |
| Memoranda: | ||
| Average total assets | $96,538,500 | 4,279 |
| Average earning assets | $92,854,500 | 4,212 |
| Average equity | $11,440,000 | 4,199 |
| Average total loans | $57,409,500 | 4,267 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 2,657 |
| Cost of funding earning assets | 0.5547% | 1,911 |
| Net interest margin | 3.6544% | 2,971 |
| Noninterest income to average assets | 0.4899% | 3,059 |
| Noninterest expense to average assets | 2.8247% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1444% | 1,699 |
| Return on assets (ROA) | 1.1664% | 1,658 |
| Pretax return on assets | 1.2004% | 2,769 |
| Return on Equity (ROE) | 10.0097% | 1,882 |
| Retained earnings to average equity (ytd only) | 6.1244% | 1,468 |
| Net charge-offs to loans | -0.0448% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5746% | 2,460 |
| Assets per employee ($millions) | 4.6021% | 3,024 |
| Cash dividends to net income (ytd only)* | 38.8152% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 555 |
| Loan loss allowance to noncurrent loans | 324.7159% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 3,262 |
| Noncurrent loans to loans | 0.6109% | 2,708 |
| Net loans and leases to total assets | 58.4392% | 3,971 |
| Net loans and leases to deposits | 69.0086% | 3,950 |
| Net loans and leases to core deposits | 76.6313% | 3,691 |
| Total domestic deposits to total assets | 84.6840% | 2,956 |
| Equity capital to assets | 11.8797% | 1,924 |
| Core capital (leverage) ratio | 12.1093% | 1,550 |
| Tier 1 risk-based capital ratio | 17.7395% | 1,878 |
| Total risk-based capital ratio | 18.9943% | 1,823 |
| Memoranda: | ||
| Average total assets | $96,966,000 | 4,293 |
| Average earning assets | $93,201,800 | 4,218 |
| Average equity | $11,299,000 | 4,259 |
| Average total loans | $60,272,800 | 4,200 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 2,845 |
| Cost of funding earning assets | 0.5463% | 1,923 |
| Net interest margin | 3.5915% | 3,186 |
| Noninterest income to average assets | 0.5413% | 2,770 |
| Noninterest expense to average assets | 2.7835% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1876% | 1,747 |
| Return on assets (ROA) | 1.2173% | 1,651 |
| Pretax return on assets | 1.2475% | 2,724 |
| Return on Equity (ROE) | 10.4972% | 1,905 |
| Retained earnings to average equity (ytd only) | 5.2960% | 2,689 |
| Net charge-offs to loans | -0.0678% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5742% | 2,606 |
| Assets per employee ($millions) | 4.5540% | 3,043 |
| Cash dividends to net income (ytd only)* | 49.5488% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 624 |
| Loan loss allowance to noncurrent loans | 246.1373% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 2,904 |
| Noncurrent loans to loans | 0.7929% | 2,375 |
| Net loans and leases to total assets | 60.2510% | 3,832 |
| Net loans and leases to deposits | 73.0119% | 3,665 |
| Net loans and leases to core deposits | 81.8573% | 3,300 |
| Total domestic deposits to total assets | 82.5221% | 3,620 |
| Equity capital to assets | 12.0887% | 1,909 |
| Core capital (leverage) ratio | 11.9691% | 1,705 |
| Tier 1 risk-based capital ratio | 17.1662% | 2,114 |
| Total risk-based capital ratio | 18.4214% | 2,063 |
| Memoranda: | ||
| Average total assets | $97,046,500 | 4,325 |
| Average earning assets | $93,478,500 | 4,249 |
| Average equity | $11,253,500 | 4,307 |
| Average total loans | $60,935,750 | 4,220 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,255 |
| Cost of funding earning assets | 0.7263% | 778 |
| Net interest margin | 3.5314% | 3,293 |
| Noninterest income to average assets | 0.3794% | 3,838 |
| Noninterest expense to average assets | 2.4468% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3089% | 1,275 |
| Return on assets (ROA) | 1.3269% | 1,252 |
| Pretax return on assets | 1.3516% | 2,206 |
| Return on Equity (ROE) | 11.6043% | 1,424 |
| Retained earnings to average equity (ytd only) | 6.4209% | 1,893 |
| Net charge-offs to loans | -0.0487% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7314% | 3,552 |
| Assets per employee ($millions) | 4.6171% | 2,916 |
| Cash dividends to net income (ytd only)* | 44.6677% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9147% | 705 |
| Loan loss allowance to noncurrent loans | 246.9432% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 2,915 |
| Noncurrent loans to loans | 0.7754% | 2,466 |
| Net loans and leases to total assets | 59.7541% | 3,867 |
| Net loans and leases to deposits | 71.2474% | 3,804 |
| Net loans and leases to core deposits | 80.1630% | 3,411 |
| Total domestic deposits to total assets | 83.8684% | 3,250 |
| Equity capital to assets | 11.9112% | 1,990 |
| Core capital (leverage) ratio | 11.6385% | 1,873 |
| Tier 1 risk-based capital ratio | 16.8569% | 2,189 |
| Total risk-based capital ratio | 18.1110% | 2,150 |
| Memoranda: | ||
| Average total assets | $97,517,000 | 4,352 |
| Average earning assets | $93,901,670 | 4,268 |
| Average equity | $11,151,000 | 4,338 |
| Average total loans | $61,658,330 | 4,213 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 2,200 |
| Cost of funding earning assets | 0.7159% | 776 |
| Net interest margin | 3.5069% | 3,249 |
| Noninterest income to average assets | 0.8139% | 1,505 |
| Noninterest expense to average assets | 2.8999% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2925% | 1,259 |
| Return on assets (ROA) | 1.3129% | 1,241 |
| Pretax return on assets | 1.3007% | 2,232 |
| Return on Equity (ROE) | 11.7239% | 1,330 |
| Retained earnings to average equity (ytd only) | 5.5515% | 2,567 |
| Net charge-offs to loans | -0.0826% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3738% | 2,987 |
| Assets per employee ($millions) | 4.7250% | 2,802 |
| Cash dividends to net income (ytd only)* | 52.6480% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 903 |
| Loan loss allowance to noncurrent loans | 239.7028% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 3,015 |
| Noncurrent loans to loans | 0.7655% | 2,567 |
| Net loans and leases to total assets | 60.8711% | 3,688 |
| Net loans and leases to deposits | 73.2512% | 3,478 |
| Net loans and leases to core deposits | 82.3651% | 3,057 |
| Total domestic deposits to total assets | 83.0992% | 3,800 |
| Equity capital to assets | 11.1725% | 2,459 |
| Core capital (leverage) ratio | 11.4116% | 2,016 |
| Tier 1 risk-based capital ratio | 15.9226% | 2,582 |
| Total risk-based capital ratio | 17.1777% | 2,524 |
| Memoranda: | ||
| Average total assets | $97,796,000 | 4,390 |
| Average earning assets | $93,871,000 | 4,312 |
| Average equity | $10,952,000 | 4,395 |
| Average total loans | $62,953,500 | 4,209 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 1,911 |
| Cost of funding earning assets | 0.5222% | 1,925 |
| Net interest margin | 3.8488% | 2,144 |
| Noninterest income to average assets | 0.3507% | 4,223 |
| Noninterest expense to average assets | 2.9920% | 2,376 |
| Loan and lease loss provision to assets | 0.3538% | 478 |
| Net operating income to assets | 0.6575% | 3,965 |
| Return on assets (ROA) | 0.6813% | 3,982 |
| Pretax return on assets | 0.6944% | 4,509 |
| Return on Equity (ROE) | 6.0460% | 3,959 |
| Retained earnings to average equity (ytd only) | -0.5562% | 5,388 |
| Net charge-offs to loans | 0.8130% | 249 |
| Credit loss provision to net charge-offs | 64.1026% | 3,191 |
| Earnings coverage of net charge-offs (x) | 1.8553% | 3,929 |
| Efficiency ratio | 74.5029% | 2,223 |
| Assets per employee ($millions) | 4.5889% | 2,981 |
| Cash dividends to net income (ytd only)* | 109.1988% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 1,072 |
| Loan loss allowance to noncurrent loans | 660.3550% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 2,545 |
| Noncurrent loans to loans | 0.2625% | 4,210 |
| Net loans and leases to total assets | 65.6476% | 3,124 |
| Net loans and leases to deposits | 78.5512% | 3,038 |
| Net loans and leases to core deposits | 87.6909% | 2,705 |
| Total domestic deposits to total assets | 83.5730% | 3,578 |
| Equity capital to assets | 11.2260% | 2,390 |
| Core capital (leverage) ratio | 11.2623% | 2,114 |
| Tier 1 risk-based capital ratio | 14.6938% | 3,106 |
| Total risk-based capital ratio | 15.9458% | 3,047 |
| Memoranda: | ||
| Average total assets | $98,931,000 | 4,368 |
| Average earning assets | $94,212,200 | 4,302 |
| Average equity | $11,147,800 | 4,407 |
| Average total loans | $67,154,800 | 4,111 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 1,767 |
| Cost of funding earning assets | 0.5217% | 1,928 |
| Net interest margin | 3.9053% | 1,958 |
| Noninterest income to average assets | 0.6133% | 2,595 |
| Noninterest expense to average assets | 3.2873% | 1,594 |
| Loan and lease loss provision to assets | 0.1339% | 1,754 |
| Net operating income to assets | 0.8884% | 2,964 |
| Return on assets (ROA) | 0.9199% | 2,929 |
| Pretax return on assets | 0.9427% | 3,838 |
| Return on Equity (ROE) | 8.1564% | 2,929 |
| Retained earnings to average equity (ytd only) | -0.5817% | 5,446 |
| Net charge-offs to loans | 0.3065% | 752 |
| Credit loss provision to net charge-offs | 64.1026% | 2,867 |
| Earnings coverage of net charge-offs (x) | 5.0001% | 3,188 |
| Efficiency ratio | 75.8887% | 1,989 |
| Assets per employee ($millions) | 4.6555% | 2,829 |
| Cash dividends to net income (ytd only)* | 107.1323% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 875 |
| Loan loss allowance to noncurrent loans | 373.5119% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9247% | 2,247 |
| Noncurrent loans to loans | 0.5043% | 3,485 |
| Net loans and leases to total assets | 66.8596% | 2,975 |
| Net loans and leases to deposits | 84.6984% | 2,402 |
| Net loans and leases to core deposits | 94.7388% | 2,126 |
| Total domestic deposits to total assets | 78.9385% | 4,736 |
| Equity capital to assets | 11.6155% | 2,423 |
| Core capital (leverage) ratio | 11.1147% | 2,344 |
| Tier 1 risk-based capital ratio | 14.8539% | 3,119 |
| Total risk-based capital ratio | 16.1098% | 3,050 |
| Memoranda: | ||
| Average total assets | $99,572,250 | 4,386 |
| Average earning assets | $94,807,750 | 4,332 |
| Average equity | $11,230,250 | 4,427 |
| Average total loans | $67,849,000 | 4,125 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 1,869 |
| Cost of funding earning assets | 0.5177% | 1,953 |
| Net interest margin | 3.8673% | 2,094 |
| Noninterest income to average assets | 0.7207% | 2,045 |
| Noninterest expense to average assets | 3.4001% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9703% | 2,521 |
| Return on assets (ROA) | 0.9703% | 2,661 |
| Pretax return on assets | 1.0042% | 3,567 |
| Return on Equity (ROE) | 8.6876% | 2,643 |
| Retained earnings to average equity (ytd only) | -2.5920% | 5,587 |
| Net charge-offs to loans | -0.0527% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1985% | 1,897 |
| Assets per employee ($millions) | 4.5533% | 2,932 |
| Cash dividends to net income (ytd only)* | 129.8354% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 855 |
| Loan loss allowance to noncurrent loans | 261.1002% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 2,130 |
| Noncurrent loans to loans | 0.7376% | 2,892 |
| Net loans and leases to total assets | 67.5608% | 2,853 |
| Net loans and leases to deposits | 82.6923% | 2,626 |
| Net loans and leases to core deposits | 95.9182% | 1,981 |
| Total domestic deposits to total assets | 81.7015% | 4,090 |
| Equity capital to assets | 11.2836% | 2,758 |
| Core capital (leverage) ratio | 10.9956% | 2,433 |
| Tier 1 risk-based capital ratio | 14.8492% | 3,139 |
| Total risk-based capital ratio | 16.1049% | 3,077 |
| Memoranda: | ||
| Average total assets | $100,174,330 | 4,422 |
| Average earning assets | $95,414,670 | 4,355 |
| Average equity | $11,188,330 | 4,459 |
| Average total loans | $68,258,330 | 4,138 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 2,387 |
| Cost of funding earning assets | 0.5162% | 1,976 |
| Net interest margin | 3.7101% | 2,627 |
| Noninterest income to average assets | 0.7866% | 1,673 |
| Noninterest expense to average assets | 3.5338% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7467% | 3,502 |
| Return on assets (ROA) | 0.7467% | 3,606 |
| Pretax return on assets | 0.7826% | 4,265 |
| Return on Equity (ROE) | 6.7200% | 3,604 |
| Retained earnings to average equity (ytd only) | -6.9715% | 5,718 |
| Net charge-offs to loans | -0.0943% | 5,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8686% | 1,379 |
| Assets per employee ($millions) | 4.2419% | 3,510 |
| Cash dividends to net income (ytd only)* | 203.7433% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 826 |
| Loan loss allowance to noncurrent loans | 271.5746% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 2,181 |
| Noncurrent loans to loans | 0.7344% | 2,997 |
| Net loans and leases to total assets | 66.8881% | 2,829 |
| Net loans and leases to deposits | 78.2029% | 2,986 |
| Net loans and leases to core deposits | 90.8001% | 2,295 |
| Total domestic deposits to total assets | 85.5314% | 2,899 |
| Equity capital to assets | 11.4029% | 2,529 |
| Core capital (leverage) ratio | 10.9578% | 2,442 |
| Tier 1 risk-based capital ratio | 15.0533% | 3,131 |
| Total risk-based capital ratio | 16.3098% | 3,067 |
| Memoranda: | ||
| Average total assets | $100,175,500 | 4,463 |
| Average earning assets | $95,308,000 | 4,394 |
| Average equity | $11,131,000 | 4,478 |
| Average total loans | $67,884,500 | 4,164 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 2,149 |
| Cost of funding earning assets | 0.5234% | 1,971 |
| Net interest margin | 3.7965% | 2,388 |
| Noninterest income to average assets | 0.4616% | 3,584 |
| Noninterest expense to average assets | 2.8515% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1706% | 1,668 |
| Return on assets (ROA) | 1.1901% | 1,663 |
| Pretax return on assets | 1.2478% | 2,475 |
| Return on Equity (ROE) | 11.5048% | 1,436 |
| Retained earnings to average equity (ytd only) | 9.3116% | 587 |
| Net charge-offs to loans | 0.5123% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.6696% | 3,682 |
| Efficiency ratio | 69.9113% | 3,240 |
| Assets per employee ($millions) | 4.4690% | 3,092 |
| Cash dividends to net income (ytd only)* | 19.0633% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 963 |
| Loan loss allowance to noncurrent loans | 328.8221% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 2,486 |
| Noncurrent loans to loans | 0.5767% | 3,443 |
| Net loans and leases to total assets | 66.0301% | 2,971 |
| Net loans and leases to deposits | 85.2062% | 2,214 |
| Net loans and leases to core deposits | 97.9111% | 1,680 |
| Total domestic deposits to total assets | 77.4945% | 5,240 |
| Equity capital to assets | 10.8349% | 2,992 |
| Core capital (leverage) ratio | 11.0323% | 2,370 |
| Tier 1 risk-based capital ratio | 13.6817% | 3,901 |
| Total risk-based capital ratio | 14.9362% | 3,826 |
| Memoranda: | ||
| Average total assets | $102,262,000 | 4,420 |
| Average earning assets | $97,433,000 | 4,353 |
| Average equity | $10,578,200 | 4,556 |
| Average total loans | $66,757,200 | 4,176 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,172 |
| Cost of funding earning assets | 0.5388% | 1,897 |
| Net interest margin | 3.7787% | 2,466 |
| Noninterest income to average assets | 0.3120% | 4,713 |
| Noninterest expense to average assets | 2.6593% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2009% | 1,647 |
| Return on assets (ROA) | 1.2232% | 1,638 |
| Pretax return on assets | 1.2833% | 2,461 |
| Return on Equity (ROE) | 11.9682% | 1,386 |
| Retained earnings to average equity (ytd only) | 9.0049% | 905 |
| Net charge-offs to loans | 0.5785% | 391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.3623% | 3,507 |
| Efficiency ratio | 67.8548% | 3,573 |
| Assets per employee ($millions) | 4.4918% | 3,024 |
| Cash dividends to net income (ytd only)* | 24.7603% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 767 |
| Loan loss allowance to noncurrent loans | 1,103.2258% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 3,374 |
| Noncurrent loans to loans | 0.1910% | 4,879 |
| Net loans and leases to total assets | 64.3206% | 3,254 |
| Net loans and leases to deposits | 78.4646% | 3,056 |
| Net loans and leases to core deposits | 89.1834% | 2,537 |
| Total domestic deposits to total assets | 81.9741% | 4,171 |
| Equity capital to assets | 11.0201% | 3,004 |
| Core capital (leverage) ratio | 10.7014% | 2,821 |
| Tier 1 risk-based capital ratio | 14.5714% | 3,516 |
| Total risk-based capital ratio | 15.8286% | 3,435 |
| Memoranda: | ||
| Average total assets | $102,130,500 | 4,465 |
| Average earning assets | $97,492,250 | 4,393 |
| Average equity | $10,438,500 | 4,632 |
| Average total loans | $66,150,750 | 4,236 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 2,425 |
| Cost of funding earning assets | 0.5647% | 1,688 |
| Net interest margin | 3.6666% | 2,847 |
| Noninterest income to average assets | 0.1317% | 5,896 |
| Noninterest expense to average assets | 2.4430% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1269% | 1,847 |
| Return on assets (ROA) | 1.1508% | 1,846 |
| Pretax return on assets | 1.2108% | 2,729 |
| Return on Equity (ROE) | 11.5474% | 1,511 |
| Retained earnings to average equity (ytd only) | 8.5925% | 1,044 |
| Net charge-offs to loans | -0.0240% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3251% | 3,786 |
| Assets per employee ($millions) | 4.4753% | 3,022 |
| Cash dividends to net income (ytd only)* | 25.5892% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4824% | 497 |
| Loan loss allowance to noncurrent loans | 1,249.6241% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 3,575 |
| Noncurrent loans to loans | 0.1987% | 4,981 |
| Net loans and leases to total assets | 63.4293% | 3,353 |
| Net loans and leases to deposits | 78.3509% | 2,986 |
| Net loans and leases to core deposits | 88.1141% | 2,542 |
| Total domestic deposits to total assets | 80.9554% | 4,627 |
| Equity capital to assets | 10.1795% | 3,827 |
| Core capital (leverage) ratio | 10.2003% | 3,336 |
| Tier 1 risk-based capital ratio | 14.7213% | 3,520 |
| Total risk-based capital ratio | 15.9840% | 3,436 |
| Memoranda: | ||
| Average total assets | $103,234,330 | 4,484 |
| Average earning assets | $98,455,000 | 4,410 |
| Average equity | $10,288,000 | 4,687 |
| Average total loans | $66,558,000 | 4,252 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 2,373 |
| Cost of funding earning assets | 0.6346% | 1,206 |
| Net interest margin | 3.5892% | 3,053 |
| Noninterest income to average assets | 0.1509% | 5,835 |
| Noninterest expense to average assets | 2.6155% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9053% | 2,720 |
| Return on assets (ROA) | 0.9053% | 2,841 |
| Pretax return on assets | 0.9711% | 3,600 |
| Return on Equity (ROE) | 9.1828% | 2,365 |
| Retained earnings to average equity (ytd only) | 3.2179% | 4,058 |
| Net charge-offs to loans | -0.1025% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9234% | 3,003 |
| Assets per employee ($millions) | 4.2485% | 3,468 |
| Cash dividends to net income (ytd only)* | 64.9573% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5800% | 473 |
| Loan loss allowance to noncurrent loans | 1,228.6765% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 3,618 |
| Noncurrent loans to loans | 0.2100% | 5,029 |
| Net loans and leases to total assets | 61.8816% | 3,385 |
| Net loans and leases to deposits | 71.5751% | 3,581 |
| Net loans and leases to core deposits | 81.7414% | 2,985 |
| Total domestic deposits to total assets | 86.4570% | 2,690 |
| Equity capital to assets | 10.1016% | 4,012 |
| Core capital (leverage) ratio | 10.0418% | 3,546 |
| Tier 1 risk-based capital ratio | 14.4298% | 3,759 |
| Total risk-based capital ratio | 15.6928% | 3,679 |
| Memoranda: | ||
| Average total assets | $103,385,500 | 4,513 |
| Average earning assets | $98,964,500 | 4,434 |
| Average equity | $10,193,000 | 4,737 |
| Average total loans | $66,361,500 | 4,293 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 3,260 |
| Cost of funding earning assets | 0.5819% | 1,933 |
| Net interest margin | 3.5354% | 3,661 |
| Noninterest income to average assets | 0.4499% | 3,829 |
| Noninterest expense to average assets | 2.7317% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6440% | 4,176 |
| Return on assets (ROA) | 0.6472% | 4,258 |
| Pretax return on assets | 1.0615% | 3,251 |
| Return on Equity (ROE) | 6.9241% | 3,678 |
| Retained earnings to average equity (ytd only) | 2.6176% | 4,380 |
| Net charge-offs to loans | -0.0323% | 5,808 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1094% | 3,190 |
| Assets per employee ($millions) | 4.1923% | 3,560 |
| Cash dividends to net income (ytd only)* | 62.1951% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4340% | 600 |
| Loan loss allowance to noncurrent loans | 453.1507% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 3,128 |
| Noncurrent loans to loans | 0.5371% | 4,051 |
| Net loans and leases to total assets | 63.2601% | 3,327 |
| Net loans and leases to deposits | 72.5998% | 3,611 |
| Net loans and leases to core deposits | 81.1826% | 3,181 |
| Total domestic deposits to total assets | 87.1354% | 2,204 |
| Equity capital to assets | 9.6234% | 4,560 |
| Core capital (leverage) ratio | 10.0144% | 3,552 |
| Tier 1 risk-based capital ratio | 13.4942% | 4,416 |
| Total risk-based capital ratio | 14.7560% | 4,350 |
| Memoranda: | ||
| Average total assets | $101,364,600 | 4,570 |
| Average earning assets | $95,718,000 | 4,513 |
| Average equity | $9,474,200 | 4,869 |
| Average total loans | $61,926,800 | 4,428 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 3,361 |
| Cost of funding earning assets | 0.6132% | 1,734 |
| Net interest margin | 3.4894% | 3,874 |
| Noninterest income to average assets | 0.3569% | 4,585 |
| Noninterest expense to average assets | 2.5551% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5542% | 4,661 |
| Return on assets (ROA) | 0.5558% | 4,730 |
| Pretax return on assets | 1.0958% | 3,203 |
| Return on Equity (ROE) | 5.9933% | 4,238 |
| Retained earnings to average equity (ytd only) | 0.1574% | 5,757 |
| Net charge-offs to loans | -0.0530% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0364% | 3,499 |
| Assets per employee ($millions) | 4.1425% | 3,577 |
| Cash dividends to net income (ytd only)* | 97.3758% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6622% | 515 |
| Loan loss allowance to noncurrent loans | 314.6110% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 2,889 |
| Noncurrent loans to loans | 0.8462% | 3,457 |
| Net loans and leases to total assets | 60.9747% | 3,634 |
| Net loans and leases to deposits | 70.3938% | 3,876 |
| Net loans and leases to core deposits | 80.0510% | 3,303 |
| Total domestic deposits to total assets | 86.6194% | 2,513 |
| Equity capital to assets | 9.7425% | 4,495 |
| Core capital (leverage) ratio | 9.7479% | 4,000 |
| Tier 1 risk-based capital ratio | 14.1012% | 4,144 |
| Total risk-based capital ratio | 15.3641% | 4,070 |
| Memoranda: | ||
| Average total assets | $100,504,000 | 4,633 |
| Average earning assets | $94,799,750 | 4,578 |
| Average equity | $9,321,250 | 4,941 |
| Average total loans | $60,419,750 | 4,515 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 3,839 |
| Cost of funding earning assets | 0.6422% | 1,570 |
| Net interest margin | 3.3332% | 4,459 |
| Noninterest income to average assets | 0.3708% | 4,472 |
| Noninterest expense to average assets | 2.6986% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0688% | 6,102 |
| Return on assets (ROA) | 0.0714% | 6,115 |
| Pretax return on assets | 0.8149% | 4,212 |
| Return on Equity (ROE) | 0.7826% | 6,093 |
| Retained earnings to average equity (ytd only) | -6.3698% | 6,316 |
| Net charge-offs to loans | -0.0334% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8927% | 2,472 |
| Assets per employee ($millions) | 4.2058% | 3,447 |
| Cash dividends to net income (ytd only)* | 913.8889% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6051% | 605 |
| Loan loss allowance to noncurrent loans | 336.1963% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9838% | 3,097 |
| Noncurrent loans to loans | 0.7749% | 3,762 |
| Net loans and leases to total assets | 60.8928% | 3,583 |
| Net loans and leases to deposits | 73.9799% | 3,317 |
| Net loans and leases to core deposits | 83.4859% | 2,793 |
| Total domestic deposits to total assets | 82.3099% | 4,543 |
| Equity capital to assets | 9.2453% | 5,045 |
| Core capital (leverage) ratio | 9.6239% | 4,143 |
| Tier 1 risk-based capital ratio | 13.8534% | 4,348 |
| Total risk-based capital ratio | 15.1162% | 4,294 |
| Memoranda: | ||
| Average total assets | $100,865,330 | 4,664 |
| Average earning assets | $94,985,000 | 4,614 |
| Average equity | $9,199,670 | 4,982 |
| Average total loans | $59,800,000 | 4,555 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 3,236 |
| Cost of funding earning assets | 0.7225% | 1,112 |
| Net interest margin | 3.3886% | 4,176 |
| Noninterest income to average assets | 0.2420% | 5,419 |
| Noninterest expense to average assets | 2.6421% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7974% | 6,539 |
| Return on assets (ROA) | -0.7974% | 6,540 |
| Pretax return on assets | 0.7815% | 4,175 |
| Return on Equity (ROE) | -8.8028% | 6,546 |
| Retained earnings to average equity (ytd only) | -23.2113% | 6,566 |
| Net charge-offs to loans | -0.1238% | 6,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1727% | 2,619 |
| Assets per employee ($millions) | 4.3226% | 3,302 |
| Cash dividends to net income (ytd only)* | -163.6816% | 6,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9342% | 465 |
| Loan loss allowance to noncurrent loans | 497.5904% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 3,713 |
| Noncurrent loans to loans | 0.5897% | 4,393 |
| Net loans and leases to total assets | 54.9688% | 4,285 |
| Net loans and leases to deposits | 63.6257% | 4,363 |
| Net loans and leases to core deposits | 70.9326% | 3,990 |
| Total domestic deposits to total assets | 86.3941% | 3,161 |
| Equity capital to assets | 9.0445% | 5,068 |
| Core capital (leverage) ratio | 9.3868% | 4,442 |
| Tier 1 risk-based capital ratio | 14.6884% | 3,891 |
| Total risk-based capital ratio | 15.9556% | 3,838 |
| Memoranda: | ||
| Average total assets | $100,829,000 | 4,716 |
| Average earning assets | $94,671,000 | 4,666 |
| Average equity | $9,133,500 | 5,016 |
| Average total loans | $58,146,000 | 4,649 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 2,350 |
| Cost of funding earning assets | 0.6397% | 2,298 |
| Net interest margin | 3.8238% | 2,557 |
| Noninterest income to average assets | 0.3773% | 4,611 |
| Noninterest expense to average assets | 2.7867% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9147% | 2,707 |
| Return on assets (ROA) | 0.9147% | 2,797 |
| Pretax return on assets | 1.1756% | 2,669 |
| Return on Equity (ROE) | 9.5669% | 2,297 |
| Retained earnings to average equity (ytd only) | 8.7080% | 844 |
| Net charge-offs to loans | -0.0503% | 6,338 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3305% | 3,784 |
| Assets per employee ($millions) | 4.4451% | 3,000 |
| Cash dividends to net income (ytd only)* | 8.9773% | 4,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7238% | 647 |
| Loan loss allowance to noncurrent loans | 411.5869% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.9214% | 3,597 |
| Noncurrent loans to loans | 0.6618% | 4,316 |
| Net loans and leases to total assets | 57.0786% | 4,184 |
| Net loans and leases to deposits | 66.0936% | 4,287 |
| Net loans and leases to core deposits | 76.5044% | 3,556 |
| Total domestic deposits to total assets | 86.3603% | 3,074 |
| Equity capital to assets | 9.0720% | 4,949 |
| Core capital (leverage) ratio | 10.1168% | 3,406 |
| Tier 1 risk-based capital ratio | 14.5669% | 3,924 |
| Total risk-based capital ratio | 15.8299% | 3,850 |
| Memoranda: | ||
| Average total assets | $96,208,600 | 4,834 |
| Average earning assets | $90,198,400 | 4,770 |
| Average equity | $9,198,400 | 5,039 |
| Average total loans | $59,615,000 | 4,624 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 2,126 |
| Cost of funding earning assets | 0.6543% | 2,326 |
| Net interest margin | 3.8736% | 2,369 |
| Noninterest income to average assets | 0.1563% | 6,252 |
| Noninterest expense to average assets | 2.4934% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9926% | 2,405 |
| Return on assets (ROA) | 0.9926% | 2,497 |
| Pretax return on assets | 1.2967% | 2,345 |
| Return on Equity (ROE) | 10.2403% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.0928% | 1,032 |
| Net charge-offs to loans | -0.0672% | 6,395 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7875% | 4,523 |
| Assets per employee ($millions) | 4.3060% | 3,214 |
| Cash dividends to net income (ytd only)* | 11.2056% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8248% | 661 |
| Loan loss allowance to noncurrent loans | 410.5528% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 3,665 |
| Noncurrent loans to loans | 0.6881% | 4,476 |
| Net loans and leases to total assets | 59.3352% | 3,800 |
| Net loans and leases to deposits | 69.3651% | 3,874 |
| Net loans and leases to core deposits | 83.7168% | 2,677 |
| Total domestic deposits to total assets | 85.5404% | 3,474 |
| Equity capital to assets | 9.5521% | 4,484 |
| Core capital (leverage) ratio | 10.2092% | 3,389 |
| Tier 1 risk-based capital ratio | 14.7376% | 3,924 |
| Total risk-based capital ratio | 16.0034% | 3,875 |
| Memoranda: | ||
| Average total assets | $94,701,250 | 4,917 |
| Average earning assets | $88,839,500 | 4,850 |
| Average equity | $9,179,250 | 5,095 |
| Average total loans | $59,521,250 | 4,665 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 2,153 |
| Cost of funding earning assets | 0.6579% | 2,430 |
| Net interest margin | 3.8554% | 2,360 |
| Noninterest income to average assets | -0.1077% | 6,852 |
| Noninterest expense to average assets | 2.2579% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9674% | 2,479 |
| Return on assets (ROA) | 0.9674% | 2,627 |
| Pretax return on assets | 1.2609% | 2,441 |
| Return on Equity (ROE) | 9.9320% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.9320% | 859 |
| Net charge-offs to loans | -0.0632% | 6,348 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1657% | 4,846 |
| Assets per employee ($millions) | 4.1750% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6271% | 853 |
| Loan loss allowance to noncurrent loans | 468.7861% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 4,050 |
| Noncurrent loans to loans | 0.5604% | 4,858 |
| Net loans and leases to total assets | 62.6066% | 3,179 |
| Net loans and leases to deposits | 78.4687% | 2,516 |
| Net loans and leases to core deposits | 89.9849% | 1,907 |
| Total domestic deposits to total assets | 79.7855% | 5,653 |
| Equity capital to assets | 9.5350% | 4,541 |
| Core capital (leverage) ratio | 9.8968% | 3,655 |
| Tier 1 risk-based capital ratio | 13.9980% | 4,430 |
| Total risk-based capital ratio | 15.2599% | 4,383 |
| Memoranda: | ||
| Average total assets | $94,690,670 | 4,940 |
| Average earning assets | $89,071,000 | 4,870 |
| Average equity | $9,222,670 | 5,121 |
| Average total loans | $60,080,330 | 4,671 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 2,225 |
| Cost of funding earning assets | 0.6761% | 2,426 |
| Net interest margin | 3.8071% | 2,421 |
| Noninterest income to average assets | 0.2000% | 6,044 |
| Noninterest expense to average assets | 2.4334% | 5,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0380% | 2,083 |
| Return on assets (ROA) | 1.0380% | 2,190 |
| Pretax return on assets | 1.3358% | 2,095 |
| Return on Equity (ROE) | 10.5445% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.5445% | 975 |
| Net charge-offs to loans | -0.1148% | 6,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5598% | 4,910 |
| Assets per employee ($millions) | 4.0902% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7295% | 880 |
| Loan loss allowance to noncurrent loans | 334.9174% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 3,855 |
| Noncurrent loans to loans | 0.8150% | 4,489 |
| Net loans and leases to total assets | 61.4053% | 3,189 |
| Net loans and leases to deposits | 72.6583% | 3,099 |
| Net loans and leases to core deposits | 81.9344% | 2,580 |
| Total domestic deposits to total assets | 84.5124% | 4,258 |
| Equity capital to assets | 9.9506% | 4,211 |
| Core capital (leverage) ratio | 9.8080% | 3,652 |
| Tier 1 risk-based capital ratio | 14.2903% | 4,296 |
| Total risk-based capital ratio | 15.5561% | 4,252 |
| Memoranda: | ||
| Average total assets | $94,023,500 | 4,999 |
| Average earning assets | $88,151,000 | 4,928 |
| Average equity | $9,256,000 | 5,169 |
| Average total loans | $59,250,500 | 4,729 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 2,438 |
| Cost of funding earning assets | 0.9098% | 1,885 |
| Net interest margin | 3.8269% | 3,116 |
| Noninterest income to average assets | 0.3024% | 5,292 |
| Noninterest expense to average assets | 2.8864% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7850% | 3,348 |
| Return on assets (ROA) | 1.3604% | 1,302 |
| Pretax return on assets | 1.5987% | 1,396 |
| Return on Equity (ROE) | 13.4303% | 1,121 |
| Retained earnings to average equity (ytd only) | 2.9224% | 4,172 |
| Net charge-offs to loans | -0.2941% | 6,976 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0406% | 3,063 |
| Assets per employee ($millions) | 4.0857% | 3,777 |
| Cash dividends to net income (ytd only)* | 78.2404% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7134% | 910 |
| Loan loss allowance to noncurrent loans | 323.3871% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 3,884 |
| Noncurrent loans to loans | 0.8391% | 4,513 |
| Net loans and leases to total assets | 61.1980% | 3,393 |
| Net loans and leases to deposits | 72.5226% | 3,320 |
| Net loans and leases to core deposits | 83.3645% | 2,626 |
| Total domestic deposits to total assets | 84.3847% | 4,135 |
| Equity capital to assets | 9.7380% | 4,544 |
| Core capital (leverage) ratio | 9.7084% | 3,793 |
| Tier 1 risk-based capital ratio | 13.2184% | 4,950 |
| Total risk-based capital ratio | 14.4824% | 4,884 |
| Memoranda: | ||
| Average total assets | $93,577,800 | 4,993 |
| Average earning assets | $87,930,400 | 4,917 |
| Average equity | $9,478,600 | 5,111 |
| Average total loans | $60,186,400 | 4,705 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 2,702 |
| Cost of funding earning assets | 0.9378% | 1,935 |
| Net interest margin | 3.7843% | 3,406 |
| Noninterest income to average assets | 0.3637% | 4,916 |
| Noninterest expense to average assets | 2.7841% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8808% | 3,077 |
| Return on assets (ROA) | 1.6203% | 894 |
| Pretax return on assets | 1.9013% | 870 |
| Return on Equity (ROE) | 15.8426% | 764 |
| Retained earnings to average equity (ytd only) | 13.7228% | 324 |
| Net charge-offs to loans | 0.0992% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 17.9773% | 1,595 |
| Efficiency ratio | 70.6990% | 3,554 |
| Assets per employee ($millions) | 3.6300% | 4,701 |
| Cash dividends to net income (ytd only)* | 13.3802% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3296% | 1,464 |
| Loan loss allowance to noncurrent loans | 121.7813% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2926% | 3,710 |
| Noncurrent loans to loans | 1.9130% | 2,945 |
| Net loans and leases to total assets | 61.3467% | 3,506 |
| Net loans and leases to deposits | 73.6619% | 3,346 |
| Net loans and leases to core deposits | 81.3828% | 3,037 |
| Total domestic deposits to total assets | 83.2814% | 4,525 |
| Equity capital to assets | 10.4567% | 3,894 |
| Core capital (leverage) ratio | 10.4438% | 2,985 |
| Tier 1 risk-based capital ratio | 15.0569% | 3,809 |
| Total risk-based capital ratio | 16.3179% | 3,753 |
| Memoranda: | ||
| Average total assets | $93,479,250 | 5,049 |
| Average earning assets | $88,292,250 | 4,963 |
| Average equity | $9,560,500 | 5,137 |
| Average total loans | $60,454,750 | 4,746 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 2,776 |
| Cost of funding earning assets | 1.0160% | 1,671 |
| Net interest margin | 3.7184% | 3,734 |
| Noninterest income to average assets | 0.3069% | 5,356 |
| Noninterest expense to average assets | 2.6379% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9086% | 2,870 |
| Return on assets (ROA) | 2.0219% | 434 |
| Pretax return on assets | 2.3052% | 407 |
| Return on Equity (ROE) | 19.9203% | 363 |
| Retained earnings to average equity (ytd only) | 19.9203% | 107 |
| Net charge-offs to loans | -0.0723% | 6,774 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0838% | 3,924 |
| Assets per employee ($millions) | 3.6295% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3440% | 1,513 |
| Loan loss allowance to noncurrent loans | 91.3565% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.7241% | 3,139 |
| Noncurrent loans to loans | 2.5657% | 2,348 |
| Net loans and leases to total assets | 63.9298% | 3,050 |
| Net loans and leases to deposits | 75.4138% | 3,061 |
| Net loans and leases to core deposits | 81.1624% | 3,063 |
| Total domestic deposits to total assets | 84.7721% | 3,963 |
| Equity capital to assets | 10.4338% | 3,765 |
| Core capital (leverage) ratio | 10.5919% | 2,721 |
| Tier 1 risk-based capital ratio | 14.6841% | 3,977 |
| Total risk-based capital ratio | 15.9450% | 3,931 |
| Memoranda: | ||
| Average total assets | $93,179,000 | 5,091 |
| Average earning assets | $87,993,670 | 4,991 |
| Average equity | $9,457,670 | 5,164 |
| Average total loans | $60,846,330 | 4,751 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 2,851 |
| Cost of funding earning assets | 1.0332% | 1,787 |
| Net interest margin | 3.7149% | 3,765 |
| Noninterest income to average assets | 0.2895% | 5,555 |
| Noninterest expense to average assets | 2.3589% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0335% | 2,353 |
| Return on assets (ROA) | 3.2705% | 98 |
| Pretax return on assets | 3.6896% | 106 |
| Return on Equity (ROE) | 32.6874% | 83 |
| Retained earnings to average equity (ytd only) | 32.6874% | 47 |
| Net charge-offs to loans | -0.1457% | 6,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3288% | 5,211 |
| Assets per employee ($millions) | 3.4566% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 1,457 |
| Loan loss allowance to noncurrent loans | 89.9938% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.8649% | 3,097 |
| Noncurrent loans to loans | 2.7044% | 2,412 |
| Net loans and leases to total assets | 64.5885% | 2,744 |
| Net loans and leases to deposits | 77.3630% | 2,615 |
| Net loans and leases to core deposits | 81.1506% | 2,933 |
| Total domestic deposits to total assets | 83.4876% | 4,717 |
| Equity capital to assets | 10.6908% | 3,281 |
| Core capital (leverage) ratio | 10.3568% | 2,921 |
| Tier 1 risk-based capital ratio | 14.4371% | 4,160 |
| Total risk-based capital ratio | 15.6993% | 4,111 |
| Memoranda: | ||
| Average total assets | $92,585,500 | 5,139 |
| Average earning assets | $87,108,000 | 5,052 |
| Average equity | $9,263,500 | 5,227 |
| Average total loans | $60,381,500 | 4,799 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 3,302 |
| Cost of funding earning assets | 1.0857% | 2,763 |
| Net interest margin | 3.8255% | 3,694 |
| Noninterest income to average assets | 2.3895% | 287 |
| Noninterest expense to average assets | 3.1031% | 3,183 |
| Loan and lease loss provision to assets | 0.3426% | 2,954 |
| Net operating income to assets | 1.7732% | 483 |
| Return on assets (ROA) | 2.1555% | 258 |
| Pretax return on assets | 3.0943% | 116 |
| Return on Equity (ROE) | 24.7182% | 113 |
| Retained earnings to average equity (ytd only) | 10.1253% | 533 |
| Net charge-offs to loans | 0.4125% | 3,359 |
| Credit loss provision to net charge-offs | 128.6765% | 2,394 |
| Earnings coverage of net charge-offs (x) | 10.8566% | 1,784 |
| Efficiency ratio | 51.7720% | 6,718 |
| Assets per employee ($millions) | 3.8120% | 4,301 |
| Cash dividends to net income (ytd only)* | 59.0372% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3275% | 1,581 |
| Loan loss allowance to noncurrent loans | 88.0247% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.7261% | 3,361 |
| Noncurrent loans to loans | 2.6441% | 2,460 |
| Net loans and leases to total assets | 62.7939% | 3,450 |
| Net loans and leases to deposits | 74.1032% | 3,487 |
| Net loans and leases to core deposits | 76.8881% | 3,842 |
| Total domestic deposits to total assets | 84.7386% | 3,986 |
| Equity capital to assets | 9.3590% | 5,076 |
| Core capital (leverage) ratio | 9.7392% | 3,691 |
| Tier 1 risk-based capital ratio | 12.8253% | 5,220 |
| Total risk-based capital ratio | 14.0863% | 5,186 |
| Memoranda: | ||
| Average total assets | $102,156,600 | 4,844 |
| Average earning assets | $96,248,800 | 4,739 |
| Average equity | $8,908,400 | 5,304 |
| Average total loans | $65,936,400 | 4,634 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 3,197 |
| Cost of funding earning assets | 1.1248% | 2,797 |
| Net interest margin | 3.8537% | 3,594 |
| Noninterest income to average assets | 3.0640% | 213 |
| Noninterest expense to average assets | 3.0165% | 3,498 |
| Loan and lease loss provision to assets | 0.1284% | 4,827 |
| Net operating income to assets | 2.4696% | 164 |
| Return on assets (ROA) | 2.9639% | 99 |
| Pretax return on assets | 4.2680% | 74 |
| Return on Equity (ROE) | 34.5686% | 32 |
| Retained earnings to average equity (ytd only) | 34.5686% | 18 |
| Net charge-offs to loans | 0.5583% | 2,562 |
| Credit loss provision to net charge-offs | 35.5872% | 5,331 |
| Earnings coverage of net charge-offs (x) | 10.2028% | 1,957 |
| Efficiency ratio | 45.0450% | 7,099 |
| Assets per employee ($millions) | 3.5412% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 2,614 |
| Loan loss allowance to noncurrent loans | 70.5562% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.8965% | 3,274 |
| Noncurrent loans to loans | 2.6909% | 2,596 |
| Net loans and leases to total assets | 68.1117% | 2,467 |
| Net loans and leases to deposits | 83.0773% | 2,160 |
| Net loans and leases to core deposits | 86.9252% | 2,650 |
| Total domestic deposits to total assets | 81.9860% | 5,096 |
| Equity capital to assets | 11.7066% | 2,485 |
| Core capital (leverage) ratio | 10.1888% | 3,205 |
| Tier 1 risk-based capital ratio | 15.3577% | 3,457 |
| Total risk-based capital ratio | 16.6142% | 3,423 |
| Memoranda: | ||
| Average total assets | $103,871,000 | 4,817 |
| Average earning assets | $97,912,750 | 4,722 |
| Average equity | $8,905,750 | 5,334 |
| Average total loans | $67,103,500 | 4,627 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 3,894 |
| Cost of funding earning assets | 1.0927% | 3,298 |
| Net interest margin | 3.7505% | 4,028 |
| Noninterest income to average assets | 0.3211% | 5,328 |
| Noninterest expense to average assets | 2.9435% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6692% | 3,694 |
| Return on assets (ROA) | 1.4167% | 1,113 |
| Pretax return on assets | 1.9416% | 651 |
| Return on Equity (ROE) | 18.3380% | 436 |
| Retained earnings to average equity (ytd only) | 18.3380% | 128 |
| Net charge-offs to loans | 0.1711% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.4746% | 2,049 |
| Efficiency ratio | 76.2357% | 2,972 |
| Assets per employee ($millions) | 3.1293% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 2,962 |
| Loan loss allowance to noncurrent loans | 77.7443% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5138% | 3,930 |
| Noncurrent loans to loans | 2.3263% | 3,064 |
| Net loans and leases to total assets | 63.8983% | 3,486 |
| Net loans and leases to deposits | 73.9078% | 3,818 |
| Net loans and leases to core deposits | 81.7637% | 3,545 |
| Total domestic deposits to total assets | 86.4568% | 3,067 |
| Equity capital to assets | 8.0503% | 6,645 |
| Core capital (leverage) ratio | 7.8631% | 6,448 |
| Tier 1 risk-based capital ratio | 11.3528% | 6,282 |
| Total risk-based capital ratio | 12.6085% | 6,268 |
| Memoranda: | ||
| Average total assets | $108,984,330 | 4,729 |
| Average earning assets | $102,865,000 | 4,630 |
| Average equity | $8,419,670 | 5,484 |
| Average total loans | $68,982,330 | 4,615 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 4,116 |
| Cost of funding earning assets | 1.1009% | 3,512 |
| Net interest margin | 3.6853% | 4,179 |
| Noninterest income to average assets | 0.3459% | 5,144 |
| Noninterest expense to average assets | 2.8441% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7947% | 3,058 |
| Return on assets (ROA) | 0.7947% | 3,128 |
| Pretax return on assets | 0.9750% | 3,225 |
| Return on Equity (ROE) | 10.5097% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.5097% | 991 |
| Net charge-offs to loans | -0.2300% | 7,288 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4701% | 3,431 |
| Assets per employee ($millions) | 3.0788% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 2,414 |
| Loan loss allowance to noncurrent loans | 73.6982% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.7465% | 3,643 |
| Noncurrent loans to loans | 2.7159% | 2,779 |
| Net loans and leases to total assets | 63.0199% | 3,647 |
| Net loans and leases to deposits | 70.3028% | 4,304 |
| Net loans and leases to core deposits | 77.5908% | 4,079 |
| Total domestic deposits to total assets | 89.6407% | 1,396 |
| Equity capital to assets | 7.7396% | 6,721 |
| Core capital (leverage) ratio | 7.3341% | 6,836 |
| Tier 1 risk-based capital ratio | 10.3551% | 6,882 |
| Total risk-based capital ratio | 11.6117% | 6,865 |
| Memoranda: | ||
| Average total assets | $108,714,500 | 4,770 |
| Average earning assets | $102,460,000 | 4,672 |
| Average equity | $8,221,000 | 5,548 |
| Average total loans | $67,837,000 | 4,693 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0194% | 4,456 |
| Cost of funding earning assets | 1.2157% | 4,451 |
| Net interest margin | 3.8037% | 3,928 |
| Noninterest income to average assets | 0.2975% | 5,665 |
| Noninterest expense to average assets | 3.2645% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4172% | 4,475 |
| Return on assets (ROA) | 0.4172% | 4,605 |
| Pretax return on assets | 0.5959% | 4,340 |
| Return on Equity (ROE) | 5.4653% | 3,856 |
| Retained earnings to average equity (ytd only) | 5.4653% | 2,137 |
| Net charge-offs to loans | -0.2746% | 7,562 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5634% | 1,854 |
| Assets per employee ($millions) | 3.1335% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0308% | 2,222 |
| Loan loss allowance to noncurrent loans | 77.0726% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.5948% | 3,915 |
| Noncurrent loans to loans | 2.6349% | 2,887 |
| Net loans and leases to total assets | 59.2955% | 4,788 |
| Net loans and leases to deposits | 65.8645% | 5,417 |
| Net loans and leases to core deposits | 72.1738% | 5,188 |
| Total domestic deposits to total assets | 90.0265% | 1,083 |
| Equity capital to assets | 7.3876% | 6,947 |
| Core capital (leverage) ratio | 7.3885% | 6,797 |
| Tier 1 risk-based capital ratio | 10.4289% | 6,740 |
| Total risk-based capital ratio | 11.6854% | 6,718 |
| Memoranda: | ||
| Average total assets | $103,539,400 | 4,887 |
| Average earning assets | $96,983,800 | 4,806 |
| Average equity | $7,904,400 | 5,746 |
| Average total loans | $61,911,000 | 4,990 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 4,561 |
| Cost of funding earning assets | 1.2467% | 4,590 |
| Net interest margin | 3.8100% | 3,934 |
| Noninterest income to average assets | 0.3621% | 5,262 |
| Noninterest expense to average assets | 3.2402% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5150% | 4,241 |
| Return on assets (ROA) | 0.5150% | 4,432 |
| Pretax return on assets | 0.6810% | 4,300 |
| Return on Equity (ROE) | 6.6877% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.6877% | 1,990 |
| Net charge-offs to loans | -0.4737% | 7,681 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6333% | 1,992 |
| Assets per employee ($millions) | 2.8941% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2249% | 1,750 |
| Loan loss allowance to noncurrent loans | 138.4310% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 1.2123% | 4,722 |
| Noncurrent loans to loans | 1.6072% | 4,231 |
| Net loans and leases to total assets | 60.4768% | 4,822 |
| Net loans and leases to deposits | 68.6425% | 5,330 |
| Net loans and leases to core deposits | 75.4554% | 5,122 |
| Total domestic deposits to total assets | 88.1041% | 1,900 |
| Equity capital to assets | 8.0320% | 6,776 |
| Core capital (leverage) ratio | 7.5987% | 6,767 |
| Tier 1 risk-based capital ratio | 10.2413% | 6,937 |
| Total risk-based capital ratio | 11.4983% | 6,919 |
| Memoranda: | ||
| Average total assets | $102,006,500 | 4,991 |
| Average earning assets | $95,291,500 | 4,919 |
| Average equity | $7,855,000 | 5,841 |
| Average total loans | $60,794,250 | 5,110 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 4,987 |
| Cost of funding earning assets | 1.2656% | 4,742 |
| Net interest margin | 3.7235% | 4,255 |
| Noninterest income to average assets | 0.3423% | 5,413 |
| Noninterest expense to average assets | 3.2921% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3638% | 4,914 |
| Return on assets (ROA) | 0.3638% | 5,073 |
| Pretax return on assets | 0.5203% | 4,843 |
| Return on Equity (ROE) | 4.7930% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.7930% | 3,016 |
| Net charge-offs to loans | -0.0897% | 7,538 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3520% | 1,667 |
| Assets per employee ($millions) | 2.8052% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9773% | 2,238 |
| Loan loss allowance to noncurrent loans | 83.1608% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.6090% | 4,028 |
| Noncurrent loans to loans | 2.3777% | 3,279 |
| Net loans and leases to total assets | 57.5551% | 5,482 |
| Net loans and leases to deposits | 65.7817% | 5,832 |
| Net loans and leases to core deposits | 72.9487% | 5,563 |
| Total domestic deposits to total assets | 87.4941% | 2,257 |
| Equity capital to assets | 7.6230% | 7,040 |
| Core capital (leverage) ratio | 7.2350% | 7,046 |
| Tier 1 risk-based capital ratio | 10.4862% | 6,701 |
| Total risk-based capital ratio | 11.7410% | 6,676 |
| Memoranda: | ||
| Average total assets | $102,243,670 | 5,012 |
| Average earning assets | $95,287,670 | 4,951 |
| Average equity | $7,761,330 | 5,881 |
| Average total loans | $60,174,330 | 5,167 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 5,071 |
| Cost of funding earning assets | 1.2724% | 4,983 |
| Net interest margin | 3.7153% | 4,164 |
| Noninterest income to average assets | 0.3587% | 5,269 |
| Noninterest expense to average assets | 3.1655% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5913% | 3,929 |
| Return on assets (ROA) | 0.5913% | 4,076 |
| Pretax return on assets | 0.6465% | 4,429 |
| Return on Equity (ROE) | 7.8064% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.8064% | 1,789 |
| Net charge-offs to loans | -0.1539% | 7,621 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0403% | 2,137 |
| Assets per employee ($millions) | 2.7923% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 2,189 |
| Loan loss allowance to noncurrent loans | 73.9077% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.5729% | 4,140 |
| Noncurrent loans to loans | 2.7070% | 2,959 |
| Net loans and leases to total assets | 56.9404% | 5,617 |
| Net loans and leases to deposits | 63.5923% | 6,094 |
| Net loans and leases to core deposits | 70.7782% | 5,849 |
| Total domestic deposits to total assets | 89.5398% | 1,217 |
| Equity capital to assets | 7.5507% | 7,032 |
| Core capital (leverage) ratio | 7.4953% | 6,856 |
| Tier 1 risk-based capital ratio | 10.5748% | 6,562 |
| Total risk-based capital ratio | 11.8294% | 6,551 |
| Memoranda: | ||
| Average total assets | $101,470,000 | 5,104 |
| Average earning assets | $94,313,500 | 5,037 |
| Average equity | $7,686,000 | 5,946 |
| Average total loans | $59,790,500 | 5,260 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4608% | 4,384 |
| Cost of funding earning assets | 1.4827% | 5,582 |
| Net interest margin | 3.9781% | 2,952 |
| Noninterest income to average assets | 0.7706% | 2,554 |
| Noninterest expense to average assets | 3.7926% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6258% | 3,232 |
| Return on assets (ROA) | 0.6714% | 3,108 |
| Pretax return on assets | 0.7226% | 3,498 |
| Return on Equity (ROE) | 8.6946% | 2,124 |
| Retained earnings to average equity (ytd only) | 8.6946% | 542 |
| Net charge-offs to loans | 0.6360% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1.6371% | 4,516 |
| Efficiency ratio | 84.9193% | 2,243 |
| Assets per employee ($millions) | 2.6926% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 2,081 |
| Loan loss allowance to noncurrent loans | 77.0942% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6141% | 3,950 |
| Noncurrent loans to loans | 2.5658% | 2,995 |
| Net loans and leases to total assets | 58.5937% | 5,556 |
| Net loans and leases to deposits | 65.3955% | 6,122 |
| Net loans and leases to core deposits | 80.9951% | 5,998 |
| Total domestic deposits to total assets | 89.5990% | 1,159 |
| Equity capital to assets | 7.5995% | 6,949 |
| Core capital (leverage) ratio | 7.3959% | 6,892 |
| Tier 1 risk-based capital ratio | 10.3888% | 6,506 |
| Total risk-based capital ratio | 11.6435% | 6,475 |
| Memoranda: | ||
| Average total assets | $95,766,200 | 5,215 |
| Average earning assets | $88,962,000 | 5,155 |
| Average equity | $7,395,400 | 6,132 |
| Average total loans | $61,952,400 | 5,172 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 4,528 |
| Cost of funding earning assets | 1.5110% | 5,773 |
| Net interest margin | 3.9673% | 2,952 |
| Noninterest income to average assets | 0.9296% | 1,864 |
| Noninterest expense to average assets | 3.7636% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7561% | 3,003 |
| Return on assets (ROA) | 0.8143% | 2,810 |
| Pretax return on assets | 0.9212% | 3,163 |
| Return on Equity (ROE) | 10.5010% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.5010% | 546 |
| Net charge-offs to loans | 0.2558% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 5.0666% | 2,936 |
| Efficiency ratio | 81.4860% | 2,648 |
| Assets per employee ($millions) | 2.6083% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3984% | 1,168 |
| Loan loss allowance to noncurrent loans | 78.3172% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.9833% | 3,370 |
| Noncurrent loans to loans | 3.0624% | 2,473 |
| Net loans and leases to total assets | 61.2273% | 5,374 |
| Net loans and leases to deposits | 69.6981% | 5,955 |
| Net loans and leases to core deposits | 87.5559% | 5,682 |
| Total domestic deposits to total assets | 87.8464% | 1,724 |
| Equity capital to assets | 7.8037% | 7,037 |
| Core capital (leverage) ratio | 7.5736% | 6,890 |
| Tier 1 risk-based capital ratio | 10.3486% | 6,623 |
| Total risk-based capital ratio | 11.6080% | 6,557 |
| Memoranda: | ||
| Average total assets | $94,801,500 | 5,275 |
| Average earning assets | $88,151,750 | 5,229 |
| Average equity | $7,351,500 | 6,207 |
| Average total loans | $62,552,500 | 5,188 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 4,283 |
| Cost of funding earning assets | 1.5377% | 5,987 |
| Net interest margin | 4.0228% | 2,606 |
| Noninterest income to average assets | 1.2352% | 1,011 |
| Noninterest expense to average assets | 3.7142% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0761% | 1,854 |
| Return on assets (ROA) | 1.0761% | 1,929 |
| Pretax return on assets | 1.2522% | 2,156 |
| Return on Equity (ROE) | 13.9063% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.9063% | 263 |
| Net charge-offs to loans | -0.1044% | 7,955 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7863% | 3,909 |
| Assets per employee ($millions) | 2.5755% | 7,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6223% | 804 |
| Loan loss allowance to noncurrent loans | 113.5881% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 4,015 |
| Noncurrent loans to loans | 2.3086% | 3,126 |
| Net loans and leases to total assets | 62.5446% | 5,260 |
| Net loans and leases to deposits | 70.4725% | 5,931 |
| Net loans and leases to core deposits | 86.7124% | 5,835 |
| Total domestic deposits to total assets | 88.7504% | 1,401 |
| Equity capital to assets | 7.7750% | 7,006 |
| Core capital (leverage) ratio | 7.7108% | 6,738 |
| Tier 1 risk-based capital ratio | 10.3641% | 6,516 |
| Total risk-based capital ratio | 11.6263% | 6,440 |
| Memoranda: | ||
| Average total assets | $94,233,330 | 5,332 |
| Average earning assets | $87,402,330 | 5,285 |
| Average equity | $7,291,670 | 6,271 |
| Average total loans | $63,223,330 | 5,198 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4429% | 5,217 |
| Cost of funding earning assets | 1.5979% | 6,036 |
| Net interest margin | 3.8450% | 3,272 |
| Noninterest income to average assets | 2.1685% | 316 |
| Noninterest expense to average assets | 3.4150% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0746% | 303 |
| Return on assets (ROA) | 2.0746% | 347 |
| Pretax return on assets | 2.3179% | 351 |
| Return on Equity (ROE) | 26.8768% | 146 |
| Retained earnings to average equity (ytd only) | 26.8768% | 68 |
| Net charge-offs to loans | -0.2242% | 8,026 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5681% | 6,464 |
| Assets per employee ($millions) | 2.5577% | 7,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5362% | 738 |
| Loan loss allowance to noncurrent loans | 88.3516% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.9232% | 3,024 |
| Noncurrent loans to loans | 2.8705% | 2,275 |
| Net loans and leases to total assets | 65.2983% | 4,749 |
| Net loans and leases to deposits | 73.7314% | 5,517 |
| Net loans and leases to core deposits | 91.6011% | 5,388 |
| Total domestic deposits to total assets | 88.5624% | 1,449 |
| Equity capital to assets | 7.8861% | 6,966 |
| Core capital (leverage) ratio | 7.6266% | 6,990 |
| Tier 1 risk-based capital ratio | 10.1741% | 6,743 |
| Total risk-based capital ratio | 11.4364% | 6,643 |
| Memoranda: | ||
| Average total assets | $93,704,000 | 5,381 |
| Average earning assets | $86,865,500 | 5,323 |
| Average equity | $7,233,000 | 6,326 |
| Average total loans | $64,232,500 | 5,193 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5686% | 2,631 |
| Cost of funding earning assets | 2.0810% | 6,128 |
| Net interest margin | 4.4876% | 1,455 |
| Noninterest income to average assets | 0.3396% | 6,023 |
| Noninterest expense to average assets | 3.6483% | 2,045 |
| Loan and lease loss provision to assets | 2.1696% | 534 |
| Net operating income to assets | -0.7683% | 7,117 |
| Return on assets (ROA) | -0.7301% | 6,990 |
| Pretax return on assets | -1.2920% | 7,162 |
| Return on Equity (ROE) | -8.6075% | 7,169 |
| Retained earnings to average equity (ytd only) | -11.3317% | 7,191 |
| Net charge-offs to loans | 2.4806% | 390 |
| Credit loss provision to net charge-offs | 122.3242% | 4,394 |
| Earnings coverage of net charge-offs (x) | 0.4612% | 5,958 |
| Efficiency ratio | 81.6857% | 2,344 |
| Assets per employee ($millions) | 2.5074% | 7,193 |
| Cash dividends to net income (ytd only)* | -31.6493% | 8,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4162% | 753 |
| Loan loss allowance to noncurrent loans | 137.5328% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 3,759 |
| Noncurrent loans to loans | 1.7568% | 3,129 |
| Net loans and leases to total assets | 68.4359% | 4,384 |
| Net loans and leases to deposits | 76.7585% | 5,502 |
| Net loans and leases to core deposits | 97.9436% | 5,048 |
| Total domestic deposits to total assets | 89.1574% | 981 |
| Equity capital to assets | 7.5485% | 7,343 |
| Core capital (leverage) ratio | 7.4623% | 7,247 |
| Tier 1 risk-based capital ratio | 9.1943% | 7,621 |
| Total risk-based capital ratio | 10.4553% | 7,563 |
| Memoranda: | ||
| Average total assets | $92,180,800 | 5,287 |
| Average earning assets | $84,767,000 | 5,278 |
| Average equity | $7,818,800 | 6,165 |
| Average total loans | $65,911,800 | 5,021 |