Home > The Midland National Bank of Newton > Performance and Condition Ratios
The Midland National Bank of Newton, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 3,842 |
| Cost of funding earning assets | 0.3492% | 4,594 |
| Net interest margin | 3.8364% | 2,382 |
| Noninterest income to average assets | 0.8622% | 1,266 |
| Noninterest expense to average assets | 5.0308% | 212 |
| Loan and lease loss provision to assets | 0.2751% | 645 |
| Net operating income to assets | -1.1482% | 5,103 |
| Return on assets (ROA) | -1.0005% | 5,103 |
| Pretax return on assets | -0.6769% | 5,074 |
| Return on Equity (ROE) | -9.0094% | 5,111 |
| Retained earnings to average equity (ytd only) | -12.6666% | 5,095 |
| Net charge-offs to loans | 0.2496% | 827 |
| Credit loss provision to net charge-offs | 185.3659% | 1,427 |
| Earnings coverage of net charge-offs (x) | -3.7024% | 3,674 |
| Efficiency ratio | 112.2617% | 96 |
| Assets per employee ($millions) | 3.3264% | 4,623 |
| Cash dividends to net income (ytd only)* | -40.5933% | 5,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,603 |
| Loan loss allowance to noncurrent loans | 571.5686% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 3,883 |
| Noncurrent loans to loans | 0.2409% | 3,583 |
| Net loans and leases to total assets | 61.2418% | 3,475 |
| Net loans and leases to deposits | 70.2555% | 3,647 |
| Net loans and leases to core deposits | 71.9290% | 3,860 |
| Total domestic deposits to total assets | 87.1700% | 1,532 |
| Equity capital to assets | 10.2160% | 3,718 |
| Core capital (leverage) ratio | 9.7160% | 3,827 |
| Tier 1 risk-based capital ratio | 12.4573% | 4,101 |
| Total risk-based capital ratio | 13.5435% | 4,057 |
| Memoranda: | ||
| Average total assets | $138,129,600 | 3,464 |
| Average earning assets | $130,305,600 | 3,418 |
| Average equity | $15,339,600 | 3,607 |
| Average total loans | $82,128,600 | 3,558 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 4,014 |
| Cost of funding earning assets | 0.3427% | 4,683 |
| Net interest margin | 3.8175% | 2,537 |
| Noninterest income to average assets | 0.8083% | 1,394 |
| Noninterest expense to average assets | 3.4207% | 1,050 |
| Loan and lease loss provision to assets | 0.1491% | 1,271 |
| Net operating income to assets | 0.8113% | 3,639 |
| Return on assets (ROA) | 1.0017% | 3,053 |
| Pretax return on assets | 1.0363% | 3,482 |
| Return on Equity (ROE) | 8.8455% | 2,941 |
| Retained earnings to average equity (ytd only) | 4.0786% | 3,360 |
| Net charge-offs to loans | 0.0065% | 3,147 |
| Credit loss provision to net charge-offs | 3,875.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 257.1538% | 360 |
| Efficiency ratio | 77.5693% | 1,146 |
| Assets per employee ($millions) | 3.4123% | 4,589 |
| Cash dividends to net income (ytd only)* | 53.8902% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 1,868 |
| Loan loss allowance to noncurrent loans | 279.9020% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 3,387 |
| Noncurrent loans to loans | 0.4730% | 2,879 |
| Net loans and leases to total assets | 60.8436% | 3,611 |
| Net loans and leases to deposits | 69.4414% | 3,806 |
| Net loans and leases to core deposits | 70.7158% | 4,018 |
| Total domestic deposits to total assets | 87.6186% | 1,208 |
| Equity capital to assets | 11.7195% | 2,487 |
| Core capital (leverage) ratio | 11.5601% | 2,178 |
| Tier 1 risk-based capital ratio | 14.7170% | 2,985 |
| Total risk-based capital ratio | 15.7809% | 2,986 |
| Memoranda: | ||
| Average total assets | $138,566,000 | 3,490 |
| Average earning assets | $130,727,750 | 3,448 |
| Average equity | $15,691,250 | 3,611 |
| Average total loans | $81,488,250 | 3,614 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 4,120 |
| Cost of funding earning assets | 0.3284% | 4,743 |
| Net interest margin | 3.7872% | 2,621 |
| Noninterest income to average assets | 0.7269% | 1,614 |
| Noninterest expense to average assets | 3.4912% | 972 |
| Loan and lease loss provision to assets | 0.0652% | 2,514 |
| Net operating income to assets | 0.7259% | 3,914 |
| Return on assets (ROA) | 0.7501% | 3,894 |
| Pretax return on assets | 0.7689% | 4,169 |
| Return on Equity (ROE) | 6.7028% | 3,790 |
| Retained earnings to average equity (ytd only) | 1.8504% | 4,158 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1785% | 866 |
| Assets per employee ($millions) | 3.3186% | 4,688 |
| Cash dividends to net income (ytd only)* | 72.3938% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,338 |
| Loan loss allowance to noncurrent loans | 245.4976% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,297 |
| Noncurrent loans to loans | 0.5027% | 2,774 |
| Net loans and leases to total assets | 60.9382% | 3,659 |
| Net loans and leases to deposits | 69.6449% | 3,869 |
| Net loans and leases to core deposits | 71.1112% | 4,054 |
| Total domestic deposits to total assets | 87.4985% | 1,341 |
| Equity capital to assets | 11.8334% | 2,320 |
| Core capital (leverage) ratio | 11.4454% | 2,210 |
| Tier 1 risk-based capital ratio | 14.7456% | 2,940 |
| Total risk-based capital ratio | 15.7338% | 2,996 |
| Memoranda: | ||
| Average total assets | $138,120,330 | 3,513 |
| Average earning assets | $130,333,670 | 3,473 |
| Average equity | $15,456,330 | 3,638 |
| Average total loans | $79,896,330 | 3,661 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 4,279 |
| Cost of funding earning assets | 0.3136% | 4,808 |
| Net interest margin | 3.7291% | 2,785 |
| Noninterest income to average assets | 0.6928% | 1,639 |
| Noninterest expense to average assets | 3.3834% | 1,141 |
| Loan and lease loss provision to assets | 0.0604% | 2,449 |
| Net operating income to assets | 0.7594% | 3,747 |
| Return on assets (ROA) | 0.8078% | 3,628 |
| Pretax return on assets | 0.8193% | 3,997 |
| Return on Equity (ROE) | 7.4270% | 3,487 |
| Retained earnings to average equity (ytd only) | 2.4580% | 3,937 |
| Net charge-offs to loans | 0.0051% | 2,523 |
| Credit loss provision to net charge-offs | 2,100.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 282 |
| Efficiency ratio | 80.2865% | 1,034 |
| Assets per employee ($millions) | 3.3614% | 4,689 |
| Cash dividends to net income (ytd only)* | 66.9039% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,115 |
| Loan loss allowance to noncurrent loans | 245.3883% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 3,314 |
| Noncurrent loans to loans | 0.5275% | 2,736 |
| Net loans and leases to total assets | 55.9430% | 4,064 |
| Net loans and leases to deposits | 63.4586% | 4,215 |
| Net loans and leases to core deposits | 64.7640% | 4,341 |
| Total domestic deposits to total assets | 88.1568% | 1,254 |
| Equity capital to assets | 11.1931% | 2,662 |
| Core capital (leverage) ratio | 11.1337% | 2,442 |
| Tier 1 risk-based capital ratio | 15.2194% | 2,784 |
| Total risk-based capital ratio | 16.2179% | 2,828 |
| Memoranda: | ||
| Average total assets | $139,148,500 | 3,543 |
| Average earning assets | $131,398,000 | 3,495 |
| Average equity | $15,134,000 | 3,687 |
| Average total loans | $77,869,000 | 3,736 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 4,355 |
| Cost of funding earning assets | 0.1965% | 5,019 |
| Net interest margin | 3.6682% | 3,165 |
| Noninterest income to average assets | 0.7708% | 1,567 |
| Noninterest expense to average assets | 3.3068% | 1,305 |
| Loan and lease loss provision to assets | 0.0643% | 2,870 |
| Net operating income to assets | 0.8404% | 3,645 |
| Return on assets (ROA) | 0.8979% | 3,435 |
| Pretax return on assets | 0.9258% | 3,829 |
| Return on Equity (ROE) | 8.5517% | 3,199 |
| Retained earnings to average equity (ytd only) | 3.8370% | 3,470 |
| Net charge-offs to loans | 0.0235% | 2,938 |
| Credit loss provision to net charge-offs | 529.4118% | 659 |
| Earnings coverage of net charge-offs (x) | 76.6471% | 884 |
| Efficiency ratio | 78.0344% | 1,128 |
| Assets per employee ($millions) | 3.4263% | 4,632 |
| Cash dividends to net income (ytd only)* | 55.1313% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,159 |
| Loan loss allowance to noncurrent loans | 258.0729% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 3,399 |
| Noncurrent loans to loans | 0.4947% | 2,789 |
| Net loans and leases to total assets | 54.5537% | 4,242 |
| Net loans and leases to deposits | 62.4685% | 4,349 |
| Net loans and leases to core deposits | 63.7378% | 4,455 |
| Total domestic deposits to total assets | 87.3299% | 1,628 |
| Equity capital to assets | 10.5652% | 3,111 |
| Core capital (leverage) ratio | 11.1349% | 2,409 |
| Tier 1 risk-based capital ratio | 15.1137% | 2,777 |
| Total risk-based capital ratio | 16.0917% | 2,838 |
| Memoranda: | ||
| Average total assets | $139,985,600 | 3,505 |
| Average earning assets | $132,300,200 | 3,461 |
| Average equity | $14,698,800 | 3,671 |
| Average total loans | $72,271,600 | 3,825 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 4,341 |
| Cost of funding earning assets | 0.1745% | 5,122 |
| Net interest margin | 3.6653% | 3,146 |
| Noninterest income to average assets | 0.7598% | 1,634 |
| Noninterest expense to average assets | 3.2231% | 1,474 |
| Loan and lease loss provision to assets | 0.0629% | 2,717 |
| Net operating income to assets | 0.9118% | 3,472 |
| Return on assets (ROA) | 0.9886% | 3,146 |
| Pretax return on assets | 1.0172% | 3,670 |
| Return on Equity (ROE) | 9.4294% | 2,886 |
| Retained earnings to average equity (ytd only) | 4.8102% | 3,339 |
| Net charge-offs to loans | 0.0207% | 2,720 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 95.4308% | 783 |
| Efficiency ratio | 76.3033% | 1,315 |
| Assets per employee ($millions) | 3.1826% | 4,900 |
| Cash dividends to net income (ytd only)* | 48.9878% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 1,974 |
| Loan loss allowance to noncurrent loans | 177.2313% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 2,998 |
| Noncurrent loans to loans | 0.7490% | 2,216 |
| Net loans and leases to total assets | 52.8513% | 4,437 |
| Net loans and leases to deposits | 60.4776% | 4,522 |
| Net loans and leases to core deposits | 61.7377% | 4,626 |
| Total domestic deposits to total assets | 87.3898% | 1,551 |
| Equity capital to assets | 10.5320% | 3,113 |
| Core capital (leverage) ratio | 11.2595% | 2,370 |
| Tier 1 risk-based capital ratio | 15.7590% | 2,544 |
| Total risk-based capital ratio | 16.7624% | 2,578 |
| Memoranda: | ||
| Average total assets | $139,862,000 | 3,545 |
| Average earning assets | $132,190,000 | 3,501 |
| Average equity | $14,663,000 | 3,702 |
| Average total loans | $70,932,500 | 3,886 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 4,298 |
| Cost of funding earning assets | 0.1531% | 5,229 |
| Net interest margin | 3.6678% | 3,053 |
| Noninterest income to average assets | 0.7241% | 1,769 |
| Noninterest expense to average assets | 3.2073% | 1,521 |
| Loan and lease loss provision to assets | 0.0596% | 2,712 |
| Net operating income to assets | 0.9041% | 3,438 |
| Return on assets (ROA) | 1.0265% | 2,915 |
| Pretax return on assets | 1.0506% | 3,513 |
| Return on Equity (ROE) | 9.8058% | 2,654 |
| Retained earnings to average equity (ytd only) | 5.4251% | 2,860 |
| Net charge-offs to loans | -0.0200% | 4,568 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4985% | 1,365 |
| Assets per employee ($millions) | 3.4360% | 4,676 |
| Cash dividends to net income (ytd only)* | 44.6750% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 1,876 |
| Loan loss allowance to noncurrent loans | 657.8231% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 4,458 |
| Noncurrent loans to loans | 0.2075% | 3,980 |
| Net loans and leases to total assets | 50.8338% | 4,558 |
| Net loans and leases to deposits | 57.2504% | 4,683 |
| Net loans and leases to core deposits | 58.5620% | 4,764 |
| Total domestic deposits to total assets | 88.7920% | 1,019 |
| Equity capital to assets | 10.6048% | 3,023 |
| Core capital (leverage) ratio | 10.8435% | 2,666 |
| Tier 1 risk-based capital ratio | 16.1956% | 2,370 |
| Total risk-based capital ratio | 17.2293% | 2,384 |
| Memoranda: | ||
| Average total assets | $140,866,000 | 3,558 |
| Average earning assets | $133,213,670 | 3,513 |
| Average equity | $14,746,330 | 3,712 |
| Average total loans | $70,143,330 | 3,933 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,499 |
| Cost of funding earning assets | 0.1394% | 5,314 |
| Net interest margin | 3.5466% | 3,357 |
| Noninterest income to average assets | 0.6761% | 1,931 |
| Noninterest expense to average assets | 3.0663% | 1,908 |
| Loan and lease loss provision to assets | 0.0589% | 2,592 |
| Net operating income to assets | 0.9018% | 3,283 |
| Return on assets (ROA) | 1.0240% | 2,776 |
| Pretax return on assets | 1.0296% | 3,429 |
| Return on Equity (ROE) | 9.8436% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.5556% | 2,925 |
| Net charge-offs to loans | -0.0516% | 4,980 |
| Credit loss provision to net charge-offs | -233.3333% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0612% | 1,589 |
| Assets per employee ($millions) | 3.4357% | 4,750 |
| Cash dividends to net income (ytd only)* | 43.5616% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 1,949 |
| Loan loss allowance to noncurrent loans | 929.4118% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 4,727 |
| Noncurrent loans to loans | 0.1475% | 4,310 |
| Net loans and leases to total assets | 48.4102% | 4,666 |
| Net loans and leases to deposits | 54.3228% | 4,779 |
| Net loans and leases to core deposits | 55.1795% | 4,866 |
| Total domestic deposits to total assets | 89.1158% | 1,045 |
| Equity capital to assets | 10.3006% | 3,284 |
| Core capital (leverage) ratio | 10.5427% | 2,899 |
| Tier 1 risk-based capital ratio | 16.0464% | 2,449 |
| Total risk-based capital ratio | 17.0634% | 2,498 |
| Memoranda: | ||
| Average total assets | $142,580,000 | 3,570 |
| Average earning assets | $134,891,000 | 3,525 |
| Average equity | $14,832,000 | 3,731 |
| Average total loans | $69,799,000 | 3,972 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 4,742 |
| Cost of funding earning assets | 0.1352% | 5,345 |
| Net interest margin | 3.3928% | 3,872 |
| Noninterest income to average assets | 0.7921% | 1,595 |
| Noninterest expense to average assets | 3.2082% | 1,591 |
| Loan and lease loss provision to assets | 0.0210% | 3,881 |
| Net operating income to assets | 0.7554% | 3,363 |
| Return on assets (ROA) | 0.7690% | 3,346 |
| Pretax return on assets | 0.7900% | 4,274 |
| Return on Equity (ROE) | 7.4554% | 3,057 |
| Retained earnings to average equity (ytd only) | 3.6768% | 3,036 |
| Net charge-offs to loans | 0.0404% | 2,982 |
| Credit loss provision to net charge-offs | 115.3846% | 2,270 |
| Earnings coverage of net charge-offs (x) | 43.8077% | 1,192 |
| Efficiency ratio | 80.1013% | 1,093 |
| Assets per employee ($millions) | 3.4356% | 4,784 |
| Cash dividends to net income (ytd only)* | 50.6824% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 2,204 |
| Loan loss allowance to noncurrent loans | 798.2609% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,718 |
| Noncurrent loans to loans | 0.1632% | 4,278 |
| Net loans and leases to total assets | 48.1922% | 4,752 |
| Net loans and leases to deposits | 55.5517% | 4,822 |
| Net loans and leases to core deposits | 56.5427% | 4,913 |
| Total domestic deposits to total assets | 86.7521% | 2,113 |
| Equity capital to assets | 10.5021% | 3,168 |
| Core capital (leverage) ratio | 10.3040% | 3,064 |
| Tier 1 risk-based capital ratio | 15.7133% | 2,546 |
| Total risk-based capital ratio | 16.6912% | 2,587 |
| Memoranda: | ||
| Average total assets | $142,914,000 | 3,565 |
| Average earning assets | $135,345,800 | 3,518 |
| Average equity | $14,741,000 | 3,747 |
| Average total loans | $64,427,800 | 4,090 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 4,873 |
| Cost of funding earning assets | 0.1343% | 5,407 |
| Net interest margin | 3.3308% | 4,076 |
| Noninterest income to average assets | 0.7753% | 1,682 |
| Noninterest expense to average assets | 3.2115% | 1,532 |
| Loan and lease loss provision to assets | 0.0140% | 3,869 |
| Net operating income to assets | 0.6915% | 4,021 |
| Return on assets (ROA) | 0.7098% | 3,991 |
| Pretax return on assets | 0.7238% | 4,548 |
| Return on Equity (ROE) | 6.9134% | 3,709 |
| Retained earnings to average equity (ytd only) | 3.2700% | 3,977 |
| Net charge-offs to loans | -0.0127% | 4,711 |
| Credit loss provision to net charge-offs | -250.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7035% | 945 |
| Assets per employee ($millions) | 3.4523% | 4,796 |
| Cash dividends to net income (ytd only)* | 52.7012% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,939 |
| Loan loss allowance to noncurrent loans | 2,597.2222% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 5,122 |
| Noncurrent loans to loans | 0.0535% | 4,871 |
| Net loans and leases to total assets | 45.7740% | 4,951 |
| Net loans and leases to deposits | 51.5619% | 5,069 |
| Net loans and leases to core deposits | 52.2549% | 5,132 |
| Total domestic deposits to total assets | 88.7748% | 987 |
| Equity capital to assets | 10.5893% | 3,269 |
| Core capital (leverage) ratio | 10.2848% | 3,220 |
| Tier 1 risk-based capital ratio | 16.0004% | 2,505 |
| Total risk-based capital ratio | 17.0273% | 2,538 |
| Memoranda: | ||
| Average total assets | $142,568,750 | 3,609 |
| Average earning assets | $135,061,000 | 3,554 |
| Average equity | $14,637,750 | 3,798 |
| Average total loans | $62,920,500 | 4,156 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4187% | 4,942 |
| Cost of funding earning assets | 0.1355% | 5,416 |
| Net interest margin | 3.2832% | 4,156 |
| Noninterest income to average assets | 0.7760% | 1,658 |
| Noninterest expense to average assets | 3.2252% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6563% | 4,049 |
| Return on assets (ROA) | 0.6786% | 4,007 |
| Pretax return on assets | 0.6843% | 4,596 |
| Return on Equity (ROE) | 6.6810% | 3,732 |
| Retained earnings to average equity (ytd only) | 3.0280% | 3,915 |
| Net charge-offs to loans | -0.0358% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9764% | 920 |
| Assets per employee ($millions) | 3.4195% | 4,834 |
| Cash dividends to net income (ytd only)* | 54.6778% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,804 |
| Loan loss allowance to noncurrent loans | 75.4486% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 2,073 |
| Noncurrent loans to loans | 1.8988% | 916 |
| Net loans and leases to total assets | 44.3135% | 5,026 |
| Net loans and leases to deposits | 49.8406% | 5,144 |
| Net loans and leases to core deposits | 50.5151% | 5,205 |
| Total domestic deposits to total assets | 88.9103% | 1,002 |
| Equity capital to assets | 10.6998% | 3,132 |
| Core capital (leverage) ratio | 10.1826% | 3,300 |
| Tier 1 risk-based capital ratio | 16.0402% | 2,486 |
| Total risk-based capital ratio | 17.0686% | 2,512 |
| Memoranda: | ||
| Average total assets | $141,760,000 | 3,637 |
| Average earning assets | $134,321,000 | 3,586 |
| Average equity | $14,399,000 | 3,837 |
| Average total loans | $61,459,000 | 4,226 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 4,950 |
| Cost of funding earning assets | 0.1349% | 5,462 |
| Net interest margin | 3.2529% | 4,162 |
| Noninterest income to average assets | 0.7385% | 1,788 |
| Noninterest expense to average assets | 3.2124% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6022% | 4,155 |
| Return on assets (ROA) | 0.6050% | 4,192 |
| Pretax return on assets | 0.6107% | 4,704 |
| Return on Equity (ROE) | 6.1229% | 3,849 |
| Retained earnings to average equity (ytd only) | 2.5296% | 4,128 |
| Net charge-offs to loans | -0.0601% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0892% | 964 |
| Assets per employee ($millions) | 3.1749% | 5,192 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 1,662 |
| Loan loss allowance to noncurrent loans | 74.2558% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 2,129 |
| Noncurrent loans to loans | 2.0335% | 872 |
| Net loans and leases to total assets | 42.1379% | 5,153 |
| Net loans and leases to deposits | 46.9345% | 5,263 |
| Net loans and leases to core deposits | 47.5477% | 5,318 |
| Total domestic deposits to total assets | 89.7801% | 761 |
| Equity capital to assets | 9.8363% | 3,942 |
| Core capital (leverage) ratio | 10.0982% | 3,378 |
| Tier 1 risk-based capital ratio | 16.3808% | 2,402 |
| Total risk-based capital ratio | 17.4383% | 2,422 |
| Memoranda: | ||
| Average total assets | $140,830,000 | 3,681 |
| Average earning assets | $133,418,000 | 3,637 |
| Average equity | $13,915,000 | 3,936 |
| Average total loans | $59,904,500 | 4,303 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 5,024 |
| Cost of funding earning assets | 0.1445% | 5,458 |
| Net interest margin | 3.2346% | 4,348 |
| Noninterest income to average assets | 0.8619% | 1,531 |
| Noninterest expense to average assets | 3.3484% | 1,471 |
| Loan and lease loss provision to assets | 0.0217% | 3,935 |
| Net operating income to assets | 0.5159% | 4,568 |
| Return on assets (ROA) | 0.5288% | 4,608 |
| Pretax return on assets | 0.5628% | 4,892 |
| Return on Equity (ROE) | 4.9302% | 4,466 |
| Retained earnings to average equity (ytd only) | 2.0071% | 4,403 |
| Net charge-offs to loans | 0.0351% | 3,323 |
| Credit loss provision to net charge-offs | 142.8571% | 1,921 |
| Earnings coverage of net charge-offs (x) | 37.6190% | 1,229 |
| Efficiency ratio | 85.4378% | 863 |
| Assets per employee ($millions) | 3.0172% | 5,345 |
| Cash dividends to net income (ytd only)* | 59.2896% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,477 |
| Loan loss allowance to noncurrent loans | 72.2530% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 2,083 |
| Noncurrent loans to loans | 2.1556% | 797 |
| Net loans and leases to total assets | 41.6237% | 5,248 |
| Net loans and leases to deposits | 46.3945% | 5,355 |
| Net loans and leases to core deposits | 47.1257% | 5,397 |
| Total domestic deposits to total assets | 89.7169% | 764 |
| Equity capital to assets | 9.9264% | 3,795 |
| Core capital (leverage) ratio | 10.2073% | 3,215 |
| Tier 1 risk-based capital ratio | 15.5199% | 2,743 |
| Total risk-based capital ratio | 16.5181% | 2,785 |
| Memoranda: | ||
| Average total assets | $138,422,800 | 3,698 |
| Average earning assets | $130,836,000 | 3,638 |
| Average equity | $14,847,200 | 3,828 |
| Average total loans | $59,848,200 | 4,302 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3743% | 5,072 |
| Cost of funding earning assets | 0.1459% | 5,505 |
| Net interest margin | 3.2284% | 4,406 |
| Noninterest income to average assets | 0.8270% | 1,660 |
| Noninterest expense to average assets | 3.3609% | 1,427 |
| Loan and lease loss provision to assets | 0.0289% | 3,659 |
| Net operating income to assets | 0.4562% | 4,847 |
| Return on assets (ROA) | 0.4761% | 4,866 |
| Pretax return on assets | 0.5089% | 5,104 |
| Return on Equity (ROE) | 4.3577% | 4,777 |
| Retained earnings to average equity (ytd only) | 1.6319% | 4,858 |
| Net charge-offs to loans | 0.0089% | 3,618 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 134.0807% | 509 |
| Efficiency ratio | 86.6766% | 766 |
| Assets per employee ($millions) | 3.0886% | 5,300 |
| Cash dividends to net income (ytd only)* | 62.5507% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,673 |
| Loan loss allowance to noncurrent loans | 70.1583% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 2,169 |
| Noncurrent loans to loans | 2.1748% | 868 |
| Net loans and leases to total assets | 43.2300% | 5,243 |
| Net loans and leases to deposits | 48.9603% | 5,350 |
| Net loans and leases to core deposits | 49.7594% | 5,395 |
| Total domestic deposits to total assets | 88.2962% | 1,240 |
| Equity capital to assets | 11.2203% | 2,775 |
| Core capital (leverage) ratio | 10.1874% | 3,347 |
| Tier 1 risk-based capital ratio | 13.5582% | 3,828 |
| Total risk-based capital ratio | 14.4536% | 3,942 |
| Memoranda: | ||
| Average total assets | $138,330,750 | 3,723 |
| Average earning assets | $130,710,000 | 3,661 |
| Average equity | $15,114,750 | 3,824 |
| Average total loans | $60,139,250 | 4,321 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 5,104 |
| Cost of funding earning assets | 0.1473% | 5,562 |
| Net interest margin | 3.2419% | 4,404 |
| Noninterest income to average assets | 0.7545% | 1,911 |
| Noninterest expense to average assets | 3.3784% | 1,414 |
| Loan and lease loss provision to assets | 0.0434% | 3,277 |
| Net operating income to assets | 0.3656% | 5,136 |
| Return on assets (ROA) | 0.3939% | 5,132 |
| Pretax return on assets | 0.4228% | 5,298 |
| Return on Equity (ROE) | 3.6377% | 5,043 |
| Retained earnings to average equity (ytd only) | 1.1769% | 4,910 |
| Net charge-offs to loans | -0.0134% | 4,791 |
| Credit loss provision to net charge-offs | -750.0000% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5725% | 680 |
| Assets per employee ($millions) | 3.1390% | 5,280 |
| Cash dividends to net income (ytd only)* | 67.6471% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,797 |
| Loan loss allowance to noncurrent loans | 71.1903% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 1,807 |
| Noncurrent loans to loans | 2.1301% | 908 |
| Net loans and leases to total assets | 44.1545% | 5,221 |
| Net loans and leases to deposits | 50.0135% | 5,338 |
| Net loans and leases to core deposits | 50.8683% | 5,405 |
| Total domestic deposits to total assets | 88.2851% | 1,283 |
| Equity capital to assets | 11.3058% | 2,737 |
| Core capital (leverage) ratio | 10.1578% | 3,379 |
| Tier 1 risk-based capital ratio | 13.4961% | 3,908 |
| Total risk-based capital ratio | 14.4012% | 4,031 |
| Memoranda: | ||
| Average total assets | $138,111,330 | 3,747 |
| Average earning assets | $130,353,670 | 3,685 |
| Average equity | $14,954,670 | 3,862 |
| Average total loans | $59,847,000 | 4,359 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3218% | 5,277 |
| Cost of funding earning assets | 0.1474% | 5,632 |
| Net interest margin | 3.1744% | 4,658 |
| Noninterest income to average assets | 0.7299% | 1,904 |
| Noninterest expense to average assets | 3.3712% | 1,443 |
| Loan and lease loss provision to assets | 0.0434% | 3,050 |
| Net operating income to assets | 0.2864% | 5,340 |
| Return on assets (ROA) | 0.3157% | 5,343 |
| Pretax return on assets | 0.3418% | 5,419 |
| Return on Equity (ROE) | 2.9813% | 5,247 |
| Retained earnings to average equity (ytd only) | 0.7658% | 4,911 |
| Net charge-offs to loans | 0.0068% | 2,887 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 465 |
| Efficiency ratio | 90.5132% | 641 |
| Assets per employee ($millions) | 3.1750% | 5,309 |
| Cash dividends to net income (ytd only)* | 74.3119% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,847 |
| Loan loss allowance to noncurrent loans | 67.6730% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1804% | 1,864 |
| Noncurrent loans to loans | 2.2692% | 889 |
| Net loans and leases to total assets | 42.1791% | 5,343 |
| Net loans and leases to deposits | 47.3971% | 5,446 |
| Net loans and leases to core deposits | 48.2083% | 5,506 |
| Total domestic deposits to total assets | 88.9909% | 1,103 |
| Equity capital to assets | 10.6219% | 3,342 |
| Core capital (leverage) ratio | 10.0903% | 3,431 |
| Tier 1 risk-based capital ratio | 13.7636% | 3,828 |
| Total risk-based capital ratio | 14.6709% | 3,952 |
| Memoranda: | ||
| Average total assets | $138,109,500 | 3,779 |
| Average earning assets | $130,291,500 | 3,707 |
| Average equity | $14,624,500 | 3,911 |
| Average total loans | $58,809,000 | 4,419 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3642% | 5,237 |
| Cost of funding earning assets | 0.1576% | 5,638 |
| Net interest margin | 3.2066% | 4,609 |
| Noninterest income to average assets | 1.0479% | 1,073 |
| Noninterest expense to average assets | 3.6999% | 978 |
| Loan and lease loss provision to assets | -0.2192% | 6,002 |
| Net operating income to assets | 0.5599% | 4,463 |
| Return on assets (ROA) | 0.6175% | 4,284 |
| Pretax return on assets | 0.6467% | 4,682 |
| Return on Equity (ROE) | 6.0070% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.5734% | 4,239 |
| Net charge-offs to loans | 0.0839% | 2,637 |
| Credit loss provision to net charge-offs | -638.2979% | 5,491 |
| Earnings coverage of net charge-offs (x) | 10.6809% | 2,663 |
| Efficiency ratio | 90.9793% | 636 |
| Assets per employee ($millions) | 3.0337% | 5,493 |
| Cash dividends to net income (ytd only)* | 57.1598% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 1,733 |
| Loan loss allowance to noncurrent loans | 66.1066% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 1,142 |
| Noncurrent loans to loans | 2.3696% | 800 |
| Net loans and leases to total assets | 41.6571% | 5,430 |
| Net loans and leases to deposits | 46.7377% | 5,530 |
| Net loans and leases to core deposits | 47.6102% | 5,580 |
| Total domestic deposits to total assets | 89.1296% | 1,053 |
| Equity capital to assets | 10.5555% | 3,297 |
| Core capital (leverage) ratio | 10.0266% | 3,473 |
| Tier 1 risk-based capital ratio | 13.5881% | 3,958 |
| Total risk-based capital ratio | 14.4720% | 4,089 |
| Memoranda: | ||
| Average total assets | $136,840,400 | 3,768 |
| Average earning assets | $128,827,400 | 3,726 |
| Average equity | $14,067,000 | 3,960 |
| Average total loans | $56,019,600 | 4,505 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 5,312 |
| Cost of funding earning assets | 0.1593% | 5,715 |
| Net interest margin | 3.1924% | 4,694 |
| Noninterest income to average assets | 0.9582% | 1,294 |
| Noninterest expense to average assets | 3.5903% | 1,135 |
| Loan and lease loss provision to assets | -0.2921% | 6,154 |
| Net operating income to assets | 0.6391% | 4,187 |
| Return on assets (ROA) | 0.7167% | 3,936 |
| Pretax return on assets | 0.7469% | 4,508 |
| Return on Equity (ROE) | 7.0188% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.3690% | 2,664 |
| Net charge-offs to loans | 0.0864% | 2,312 |
| Credit loss provision to net charge-offs | -833.3333% | 5,457 |
| Earnings coverage of net charge-offs (x) | 10.6665% | 2,576 |
| Efficiency ratio | 90.5674% | 666 |
| Assets per employee ($millions) | 2.9901% | 5,558 |
| Cash dividends to net income (ytd only)* | 23.5053% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 1,542 |
| Loan loss allowance to noncurrent loans | 66.2328% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.7647% | 1,226 |
| Noncurrent loans to loans | 2.5262% | 811 |
| Net loans and leases to total assets | 38.3034% | 5,682 |
| Net loans and leases to deposits | 42.9010% | 5,765 |
| Net loans and leases to core deposits | 43.6854% | 5,798 |
| Total domestic deposits to total assets | 89.2832% | 878 |
| Equity capital to assets | 10.3290% | 3,779 |
| Core capital (leverage) ratio | 10.3393% | 3,210 |
| Tier 1 risk-based capital ratio | 14.0131% | 3,839 |
| Total risk-based capital ratio | 14.9226% | 3,969 |
| Memoranda: | ||
| Average total assets | $136,921,250 | 3,807 |
| Average earning assets | $128,929,750 | 3,755 |
| Average equity | $13,981,250 | 4,024 |
| Average total loans | $55,581,000 | 4,552 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,207 |
| Cost of funding earning assets | 0.1629% | 5,755 |
| Net interest margin | 3.2477% | 4,510 |
| Noninterest income to average assets | 0.8503% | 1,602 |
| Noninterest expense to average assets | 3.6164% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2686% | 5,532 |
| Return on assets (ROA) | 0.3404% | 5,431 |
| Pretax return on assets | 0.3684% | 5,543 |
| Return on Equity (ROE) | 3.3471% | 5,294 |
| Retained earnings to average equity (ytd only) | 1.4924% | 4,953 |
| Net charge-offs to loans | 0.1146% | 1,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.1563% | 2,816 |
| Efficiency ratio | 92.5688% | 610 |
| Assets per employee ($millions) | 2.8028% | 5,808 |
| Cash dividends to net income (ytd only)* | 55.4113% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1413% | 801 |
| Loan loss allowance to noncurrent loans | 86.4635% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.9192% | 1,171 |
| Noncurrent loans to loans | 2.4766% | 904 |
| Net loans and leases to total assets | 41.4420% | 5,537 |
| Net loans and leases to deposits | 46.3813% | 5,656 |
| Net loans and leases to core deposits | 47.1417% | 5,719 |
| Total domestic deposits to total assets | 89.3507% | 978 |
| Equity capital to assets | 10.2583% | 3,741 |
| Core capital (leverage) ratio | 10.2552% | 3,276 |
| Tier 1 risk-based capital ratio | 13.7856% | 4,040 |
| Total risk-based capital ratio | 15.0175% | 3,992 |
| Memoranda: | ||
| Average total assets | $135,716,330 | 3,862 |
| Average earning assets | $127,720,670 | 3,811 |
| Average equity | $13,803,000 | 4,082 |
| Average total loans | $55,859,330 | 4,589 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 5,282 |
| Cost of funding earning assets | 0.1621% | 5,829 |
| Net interest margin | 3.2083% | 4,583 |
| Noninterest income to average assets | 0.7865% | 1,758 |
| Noninterest expense to average assets | 3.4657% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3166% | 5,352 |
| Return on assets (ROA) | 0.4284% | 5,080 |
| Pretax return on assets | 0.4607% | 5,283 |
| Return on Equity (ROE) | 4.2307% | 4,878 |
| Retained earnings to average equity (ytd only) | 1.8256% | 4,737 |
| Net charge-offs to loans | 0.1374% | 1,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.1053% | 2,326 |
| Efficiency ratio | 91.0563% | 777 |
| Assets per employee ($millions) | 2.8769% | 5,806 |
| Cash dividends to net income (ytd only)* | 56.8493% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2048% | 802 |
| Loan loss allowance to noncurrent loans | 83.4800% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.9732% | 1,209 |
| Noncurrent loans to loans | 2.6411% | 901 |
| Net loans and leases to total assets | 40.4483% | 5,573 |
| Net loans and leases to deposits | 45.3262% | 5,691 |
| Net loans and leases to core deposits | 45.9457% | 5,756 |
| Total domestic deposits to total assets | 89.2384% | 1,123 |
| Equity capital to assets | 10.3940% | 3,656 |
| Core capital (leverage) ratio | 10.0025% | 3,595 |
| Tier 1 risk-based capital ratio | 13.9215% | 4,074 |
| Total risk-based capital ratio | 15.1711% | 3,997 |
| Memoranda: | ||
| Average total assets | $136,307,000 | 3,873 |
| Average earning assets | $128,293,500 | 3,824 |
| Average equity | $13,804,000 | 4,102 |
| Average total loans | $55,302,000 | 4,632 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2665% | 5,749 |
| Cost of funding earning assets | 0.1829% | 5,890 |
| Net interest margin | 3.0836% | 5,244 |
| Noninterest income to average assets | 0.8890% | 1,542 |
| Noninterest expense to average assets | 3.4209% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3544% | 5,367 |
| Return on assets (ROA) | 0.3955% | 5,303 |
| Pretax return on assets | 0.4065% | 5,467 |
| Return on Equity (ROE) | 4.1861% | 5,030 |
| Retained earnings to average equity (ytd only) | 2.7933% | 4,256 |
| Net charge-offs to loans | 0.1849% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.2421% | 3,474 |
| Efficiency ratio | 90.3805% | 817 |
| Assets per employee ($millions) | 2.9234% | 5,797 |
| Cash dividends to net income (ytd only)* | 33.2717% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2897% | 731 |
| Loan loss allowance to noncurrent loans | 82.1522% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.9760% | 1,298 |
| Noncurrent loans to loans | 2.7871% | 851 |
| Net loans and leases to total assets | 38.8844% | 5,803 |
| Net loans and leases to deposits | 44.2402% | 5,870 |
| Net loans and leases to core deposits | 44.8436% | 5,933 |
| Total domestic deposits to total assets | 87.8939% | 1,827 |
| Equity capital to assets | 9.8645% | 4,275 |
| Core capital (leverage) ratio | 9.7813% | 3,858 |
| Tier 1 risk-based capital ratio | 13.8292% | 4,220 |
| Total risk-based capital ratio | 15.0795% | 4,152 |
| Memoranda: | ||
| Average total assets | $136,775,800 | 3,861 |
| Average earning assets | $128,455,400 | 3,800 |
| Average equity | $12,923,800 | 4,208 |
| Average total loans | $51,379,600 | 4,771 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2561% | 5,834 |
| Cost of funding earning assets | 0.1882% | 5,935 |
| Net interest margin | 3.0680% | 5,340 |
| Noninterest income to average assets | 0.8832% | 1,578 |
| Noninterest expense to average assets | 3.3845% | 1,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3691% | 5,371 |
| Return on assets (ROA) | 0.4245% | 5,238 |
| Pretax return on assets | 0.4353% | 5,513 |
| Return on Equity (ROE) | 4.5432% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.1332% | 4,394 |
| Net charge-offs to loans | 0.2453% | 1,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.1719% | 3,523 |
| Efficiency ratio | 89.9378% | 846 |
| Assets per employee ($millions) | 2.9314% | 5,806 |
| Cash dividends to net income (ytd only)* | 31.0350% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 694 |
| Loan loss allowance to noncurrent loans | 83.2669% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.1085% | 1,332 |
| Noncurrent loans to loans | 2.9297% | 920 |
| Net loans and leases to total assets | 36.4001% | 6,015 |
| Net loans and leases to deposits | 40.5323% | 6,100 |
| Net loans and leases to core deposits | 41.0707% | 6,148 |
| Total domestic deposits to total assets | 89.8053% | 816 |
| Equity capital to assets | 9.5059% | 4,789 |
| Core capital (leverage) ratio | 9.8730% | 3,847 |
| Tier 1 risk-based capital ratio | 14.4209% | 3,926 |
| Total risk-based capital ratio | 15.6717% | 3,876 |
| Memoranda: | ||
| Average total assets | $136,619,250 | 3,886 |
| Average earning assets | $128,247,500 | 3,831 |
| Average equity | $12,766,250 | 4,264 |
| Average total loans | $50,554,500 | 4,847 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 5,859 |
| Cost of funding earning assets | 0.1939% | 5,965 |
| Net interest margin | 3.0648% | 5,359 |
| Noninterest income to average assets | 0.8823% | 1,552 |
| Noninterest expense to average assets | 3.4382% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3187% | 5,501 |
| Return on assets (ROA) | 0.3318% | 5,531 |
| Pretax return on assets | 0.3347% | 5,716 |
| Return on Equity (ROE) | 3.5714% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.1492% | 4,822 |
| Net charge-offs to loans | 0.4575% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.9043% | 3,690 |
| Efficiency ratio | 91.4487% | 804 |
| Assets per employee ($millions) | 2.8366% | 5,979 |
| Cash dividends to net income (ytd only)* | 39.8230% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4249% | 788 |
| Loan loss allowance to noncurrent loans | 69.2913% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.2063% | 1,377 |
| Noncurrent loans to loans | 3.4995% | 760 |
| Net loans and leases to total assets | 36.4102% | 6,032 |
| Net loans and leases to deposits | 40.5674% | 6,131 |
| Net loans and leases to core deposits | 41.1124% | 6,188 |
| Total domestic deposits to total assets | 89.7523% | 933 |
| Equity capital to assets | 9.5324% | 4,712 |
| Core capital (leverage) ratio | 9.7982% | 3,889 |
| Tier 1 risk-based capital ratio | 14.2848% | 4,072 |
| Total risk-based capital ratio | 15.5358% | 4,007 |
| Memoranda: | ||
| Average total assets | $136,233,330 | 3,918 |
| Average earning assets | $127,905,330 | 3,854 |
| Average equity | $12,656,000 | 4,293 |
| Average total loans | $50,271,000 | 4,887 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2956% | 5,853 |
| Cost of funding earning assets | 0.2005% | 5,992 |
| Net interest margin | 3.0952% | 5,270 |
| Noninterest income to average assets | 0.7015% | 2,159 |
| Noninterest expense to average assets | 3.4578% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1585% | 5,913 |
| Return on assets (ROA) | 0.1585% | 5,950 |
| Pretax return on assets | 0.1438% | 6,018 |
| Return on Equity (ROE) | 1.7288% | 5,862 |
| Retained earnings to average equity (ytd only) | 0.2881% | 5,462 |
| Net charge-offs to loans | 0.2080% | 1,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.8846% | 3,002 |
| Efficiency ratio | 96.0065% | 640 |
| Assets per employee ($millions) | 2.8705% | 6,015 |
| Cash dividends to net income (ytd only)* | 83.3333% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5817% | 730 |
| Loan loss allowance to noncurrent loans | 59.5850% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.4989% | 1,275 |
| Noncurrent loans to loans | 4.3329% | 584 |
| Net loans and leases to total assets | 36.1772% | 6,062 |
| Net loans and leases to deposits | 40.1534% | 6,166 |
| Net loans and leases to core deposits | 40.6836% | 6,213 |
| Total domestic deposits to total assets | 90.0975% | 1,015 |
| Equity capital to assets | 9.2442% | 4,824 |
| Core capital (leverage) ratio | 9.6165% | 4,109 |
| Tier 1 risk-based capital ratio | 14.2186% | 4,182 |
| Total risk-based capital ratio | 15.4704% | 4,128 |
| Memoranda: | ||
| Average total assets | $136,271,500 | 3,949 |
| Average earning assets | $127,683,500 | 3,898 |
| Average equity | $12,494,500 | 4,347 |
| Average total loans | $50,003,000 | 4,934 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4209% | 5,799 |
| Cost of funding earning assets | 0.2464% | 5,991 |
| Net interest margin | 3.1745% | 5,081 |
| Noninterest income to average assets | 0.8303% | 1,934 |
| Noninterest expense to average assets | 3.6145% | 1,420 |
| Loan and lease loss provision to assets | 0.0452% | 4,215 |
| Net operating income to assets | 0.1370% | 5,966 |
| Return on assets (ROA) | 0.2230% | 5,826 |
| Pretax return on assets | 0.2313% | 5,885 |
| Return on Equity (ROE) | 2.2522% | 5,753 |
| Retained earnings to average equity (ytd only) | -0.1826% | 5,911 |
| Net charge-offs to loans | 0.5955% | 1,108 |
| Credit loss provision to net charge-offs | 18.9873% | 4,464 |
| Earnings coverage of net charge-offs (x) | 0.7848% | 4,826 |
| Efficiency ratio | 95.0842% | 695 |
| Assets per employee ($millions) | 2.9296% | 5,942 |
| Cash dividends to net income (ytd only)* | 108.1081% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7580% | 635 |
| Loan loss allowance to noncurrent loans | 50.8686% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 2.8747% | 1,122 |
| Noncurrent loans to loans | 5.4219% | 427 |
| Net loans and leases to total assets | 35.2419% | 6,236 |
| Net loans and leases to deposits | 39.0277% | 6,337 |
| Net loans and leases to core deposits | 39.5526% | 6,379 |
| Total domestic deposits to total assets | 90.2998% | 917 |
| Equity capital to assets | 9.0917% | 4,932 |
| Core capital (leverage) ratio | 9.8391% | 3,792 |
| Tier 1 risk-based capital ratio | 14.8566% | 3,746 |
| Total risk-based capital ratio | 16.1102% | 3,694 |
| Memoranda: | ||
| Average total assets | $132,716,600 | 4,019 |
| Average earning assets | $124,208,400 | 3,966 |
| Average equity | $13,142,600 | 4,235 |
| Average total loans | $53,063,000 | 4,839 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 5,767 |
| Cost of funding earning assets | 0.2544% | 6,053 |
| Net interest margin | 3.2058% | 4,980 |
| Noninterest income to average assets | 0.8260% | 2,029 |
| Noninterest expense to average assets | 3.6094% | 1,380 |
| Loan and lease loss provision to assets | 0.0504% | 4,007 |
| Net operating income to assets | 0.1597% | 6,018 |
| Return on assets (ROA) | 0.1714% | 6,055 |
| Pretax return on assets | 0.1775% | 6,078 |
| Return on Equity (ROE) | 1.6959% | 6,026 |
| Retained earnings to average equity (ytd only) | -0.6983% | 6,083 |
| Net charge-offs to loans | 0.7613% | 786 |
| Credit loss provision to net charge-offs | 16.1812% | 4,130 |
| Earnings coverage of net charge-offs (x) | 0.6926% | 4,618 |
| Efficiency ratio | 94.3580% | 715 |
| Assets per employee ($millions) | 2.8194% | 6,126 |
| Cash dividends to net income (ytd only)* | 141.1762% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6847% | 755 |
| Loan loss allowance to noncurrent loans | 38.7991% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 3.5392% | 957 |
| Noncurrent loans to loans | 6.9194% | 304 |
| Net loans and leases to total assets | 36.7644% | 6,240 |
| Net loans and leases to deposits | 40.7798% | 6,362 |
| Net loans and leases to core deposits | 41.4367% | 6,402 |
| Total domestic deposits to total assets | 90.1535% | 915 |
| Equity capital to assets | 9.1870% | 4,956 |
| Core capital (leverage) ratio | 9.9668% | 3,721 |
| Tier 1 risk-based capital ratio | 14.7628% | 3,906 |
| Total risk-based capital ratio | 16.0163% | 3,863 |
| Memoranda: | ||
| Average total assets | $132,205,750 | 4,070 |
| Average earning assets | $123,687,750 | 4,011 |
| Average equity | $13,365,250 | 4,238 |
| Average total loans | $54,119,000 | 4,853 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4673% | 5,750 |
| Cost of funding earning assets | 0.2637% | 6,086 |
| Net interest margin | 3.2036% | 4,931 |
| Noninterest income to average assets | 0.8297% | 2,066 |
| Noninterest expense to average assets | 3.6320% | 1,364 |
| Loan and lease loss provision to assets | 0.0454% | 4,061 |
| Net operating income to assets | 0.1499% | 6,027 |
| Return on assets (ROA) | 0.1681% | 6,097 |
| Pretax return on assets | 0.1681% | 6,131 |
| Return on Equity (ROE) | 1.6131% | 6,068 |
| Retained earnings to average equity (ytd only) | -0.7121% | 5,996 |
| Net charge-offs to loans | 0.8329% | 751 |
| Credit loss provision to net charge-offs | 12.9870% | 3,856 |
| Earnings coverage of net charge-offs (x) | 0.5584% | 4,352 |
| Efficiency ratio | 94.8972% | 715 |
| Assets per employee ($millions) | 2.8128% | 6,148 |
| Cash dividends to net income (ytd only)* | 144.1441% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6169% | 866 |
| Loan loss allowance to noncurrent loans | 39.5264% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 3.6233% | 1,037 |
| Noncurrent loans to loans | 6.6207% | 387 |
| Net loans and leases to total assets | 39.4644% | 6,077 |
| Net loans and leases to deposits | 43.9910% | 6,227 |
| Net loans and leases to core deposits | 44.7042% | 6,298 |
| Total domestic deposits to total assets | 89.7103% | 1,199 |
| Equity capital to assets | 9.5870% | 4,468 |
| Core capital (leverage) ratio | 9.9417% | 3,598 |
| Tier 1 risk-based capital ratio | 15.3938% | 3,530 |
| Total risk-based capital ratio | 16.6485% | 3,495 |
| Memoranda: | ||
| Average total assets | $132,103,000 | 4,098 |
| Average earning assets | $123,611,670 | 4,040 |
| Average equity | $13,762,330 | 4,198 |
| Average total loans | $55,471,330 | 4,832 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 5,672 |
| Cost of funding earning assets | 0.2753% | 6,129 |
| Net interest margin | 3.2359% | 4,773 |
| Noninterest income to average assets | 0.7512% | 2,333 |
| Noninterest expense to average assets | 3.6773% | 1,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1000% | 6,150 |
| Return on assets (ROA) | 0.1363% | 6,174 |
| Pretax return on assets | 0.1363% | 6,197 |
| Return on Equity (ROE) | 1.2582% | 6,157 |
| Retained earnings to average equity (ytd only) | -0.9786% | 5,949 |
| Net charge-offs to loans | 0.0993% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.3571% | 3,061 |
| Efficiency ratio | 97.3536% | 667 |
| Assets per employee ($millions) | 2.7811% | 6,302 |
| Cash dividends to net income (ytd only)* | 177.7778% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8927% | 736 |
| Loan loss allowance to noncurrent loans | 47.8039% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 3.4212% | 1,257 |
| Noncurrent loans to loans | 6.0512% | 546 |
| Net loans and leases to total assets | 39.9592% | 5,997 |
| Net loans and leases to deposits | 45.0432% | 6,117 |
| Net loans and leases to core deposits | 45.7616% | 6,224 |
| Total domestic deposits to total assets | 88.7131% | 1,863 |
| Equity capital to assets | 10.5940% | 3,440 |
| Core capital (leverage) ratio | 9.9677% | 3,427 |
| Tier 1 risk-based capital ratio | 15.4199% | 3,580 |
| Total risk-based capital ratio | 16.6778% | 3,531 |
| Memoranda: | ||
| Average total assets | $132,054,500 | 4,137 |
| Average earning assets | $123,490,000 | 4,078 |
| Average equity | $14,306,500 | 4,135 |
| Average total loans | $56,420,000 | 4,844 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 5,138 |
| Cost of funding earning assets | 0.4015% | 5,912 |
| Net interest margin | 3.6510% | 3,870 |
| Noninterest income to average assets | 0.9426% | 1,730 |
| Noninterest expense to average assets | 3.6134% | 1,578 |
| Loan and lease loss provision to assets | 0.3321% | 2,044 |
| Net operating income to assets | 0.3515% | 5,286 |
| Return on assets (ROA) | 0.3936% | 5,366 |
| Pretax return on assets | 0.3981% | 5,583 |
| Return on Equity (ROE) | 3.5910% | 5,306 |
| Retained earnings to average equity (ytd only) | 2.8853% | 4,206 |
| Net charge-offs to loans | 1.2053% | 835 |
| Credit loss provision to net charge-offs | 60.4972% | 4,429 |
| Earnings coverage of net charge-offs (x) | 1.2528% | 4,837 |
| Efficiency ratio | 84.0092% | 1,635 |
| Assets per employee ($millions) | 2.8395% | 6,258 |
| Cash dividends to net income (ytd only)* | 19.6532% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7681% | 854 |
| Loan loss allowance to noncurrent loans | 60.5820% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.7799% | 1,729 |
| Noncurrent loans to loans | 4.5692% | 928 |
| Net loans and leases to total assets | 43.1074% | 5,895 |
| Net loans and leases to deposits | 48.8823% | 6,044 |
| Net loans and leases to core deposits | 49.7948% | 6,160 |
| Total domestic deposits to total assets | 88.1862% | 2,101 |
| Equity capital to assets | 11.0789% | 2,861 |
| Core capital (leverage) ratio | 10.0194% | 3,371 |
| Tier 1 risk-based capital ratio | 13.9200% | 4,430 |
| Total risk-based capital ratio | 15.1758% | 4,399 |
| Memoranda: | ||
| Average total assets | $131,871,600 | 4,107 |
| Average earning assets | $121,308,000 | 4,083 |
| Average equity | $14,452,600 | 4,073 |
| Average total loans | $60,067,800 | 4,710 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 5,200 |
| Cost of funding earning assets | 0.4349% | 5,903 |
| Net interest margin | 3.6617% | 3,961 |
| Noninterest income to average assets | 0.9088% | 1,800 |
| Noninterest expense to average assets | 3.6110% | 1,539 |
| Loan and lease loss provision to assets | 0.3893% | 1,655 |
| Net operating income to assets | 0.2580% | 5,761 |
| Return on assets (ROA) | 0.2945% | 5,832 |
| Pretax return on assets | 0.3006% | 5,956 |
| Return on Equity (ROE) | 2.6946% | 5,801 |
| Retained earnings to average equity (ytd only) | 2.6946% | 4,941 |
| Net charge-offs to loans | 1.6147% | 518 |
| Credit loss provision to net charge-offs | 52.5886% | 4,334 |
| Earnings coverage of net charge-offs (x) | 0.8815% | 4,891 |
| Efficiency ratio | 84.6936% | 1,510 |
| Assets per employee ($millions) | 2.7954% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6629% | 1,015 |
| Loan loss allowance to noncurrent loans | 58.5042% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7469% | 1,920 |
| Noncurrent loans to loans | 4.5517% | 1,031 |
| Net loans and leases to total assets | 42.8731% | 6,051 |
| Net loans and leases to deposits | 48.6257% | 6,219 |
| Net loans and leases to core deposits | 49.5270% | 6,308 |
| Total domestic deposits to total assets | 88.1697% | 1,943 |
| Equity capital to assets | 11.1392% | 3,111 |
| Core capital (leverage) ratio | 9.9539% | 3,606 |
| Tier 1 risk-based capital ratio | 14.4740% | 4,202 |
| Total risk-based capital ratio | 15.7291% | 4,172 |
| Memoranda: | ||
| Average total assets | $132,185,000 | 4,131 |
| Average earning assets | $121,108,000 | 4,128 |
| Average equity | $14,448,000 | 4,117 |
| Average total loans | $60,607,500 | 4,740 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 4,933 |
| Cost of funding earning assets | 0.4612% | 5,898 |
| Net interest margin | 3.7442% | 3,616 |
| Noninterest income to average assets | 0.8924% | 1,813 |
| Noninterest expense to average assets | 3.6375% | 1,495 |
| Loan and lease loss provision to assets | 0.2431% | 2,633 |
| Net operating income to assets | 0.4360% | 5,091 |
| Return on assets (ROA) | 0.4907% | 5,111 |
| Pretax return on assets | 0.4998% | 5,434 |
| Return on Equity (ROE) | 4.5184% | 5,028 |
| Retained earnings to average equity (ytd only) | 4.5184% | 3,596 |
| Net charge-offs to loans | 1.0598% | 1,039 |
| Credit loss provision to net charge-offs | 49.3865% | 4,050 |
| Earnings coverage of net charge-offs (x) | 1.3957% | 4,309 |
| Efficiency ratio | 84.1131% | 1,618 |
| Assets per employee ($millions) | 2.7459% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9704% | 806 |
| Loan loss allowance to noncurrent loans | 56.5246% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 3.0235% | 1,822 |
| Noncurrent loans to loans | 5.2550% | 909 |
| Net loans and leases to total assets | 42.7277% | 6,126 |
| Net loans and leases to deposits | 48.8460% | 6,260 |
| Net loans and leases to core deposits | 49.7535% | 6,350 |
| Total domestic deposits to total assets | 87.4744% | 2,485 |
| Equity capital to assets | 11.0666% | 3,047 |
| Core capital (leverage) ratio | 10.0406% | 3,365 |
| Tier 1 risk-based capital ratio | 14.8727% | 3,853 |
| Total risk-based capital ratio | 16.1319% | 3,799 |
| Memoranda: | ||
| Average total assets | $132,452,330 | 4,149 |
| Average earning assets | $121,413,330 | 4,140 |
| Average equity | $14,385,670 | 4,114 |
| Average total loans | $61,520,330 | 4,726 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 4,870 |
| Cost of funding earning assets | 0.4794% | 5,946 |
| Net interest margin | 3.7859% | 3,456 |
| Noninterest income to average assets | 0.8526% | 1,938 |
| Noninterest expense to average assets | 3.6211% | 1,522 |
| Loan and lease loss provision to assets | 0.1838% | 3,138 |
| Net operating income to assets | 0.5091% | 4,789 |
| Return on assets (ROA) | 0.5091% | 5,001 |
| Pretax return on assets | 0.5212% | 5,358 |
| Return on Equity (ROE) | 4.7321% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.7321% | 3,724 |
| Net charge-offs to loans | 0.0190% | 4,425 |
| Credit loss provision to net charge-offs | 2,033.3333% | 155 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 428 |
| Efficiency ratio | 83.7047% | 1,715 |
| Assets per employee ($millions) | 2.7789% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1344% | 727 |
| Loan loss allowance to noncurrent loans | 58.0674% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 3.2147% | 1,800 |
| Noncurrent loans to loans | 5.3979% | 1,001 |
| Net loans and leases to total assets | 45.1093% | 5,886 |
| Net loans and leases to deposits | 51.3729% | 6,040 |
| Net loans and leases to core deposits | 52.3104% | 6,180 |
| Total domestic deposits to total assets | 87.8077% | 2,451 |
| Equity capital to assets | 10.7237% | 3,233 |
| Core capital (leverage) ratio | 9.8818% | 3,524 |
| Tier 1 risk-based capital ratio | 16.6534% | 2,838 |
| Total risk-based capital ratio | 17.9186% | 2,782 |
| Memoranda: | ||
| Average total assets | $132,777,500 | 4,168 |
| Average earning assets | $121,821,000 | 4,156 |
| Average equity | $14,285,500 | 4,139 |
| Average total loans | $63,260,500 | 4,685 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1019% | 2,450 |
| Cost of funding earning assets | 0.7226% | 5,390 |
| Net interest margin | 4.3793% | 1,447 |
| Noninterest income to average assets | 0.7998% | 2,065 |
| Noninterest expense to average assets | 3.7709% | 1,400 |
| Loan and lease loss provision to assets | 0.5876% | 1,760 |
| Net operating income to assets | 0.2365% | 5,475 |
| Return on assets (ROA) | 0.2365% | 5,614 |
| Pretax return on assets | 0.2365% | 5,701 |
| Return on Equity (ROE) | 2.2020% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.2020% | 4,646 |
| Net charge-offs to loans | 0.8140% | 2,120 |
| Credit loss provision to net charge-offs | 135.0174% | 2,225 |
| Earnings coverage of net charge-offs (x) | 1.8937% | 4,356 |
| Efficiency ratio | 82.0657% | 2,010 |
| Assets per employee ($millions) | 2.7535% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9330% | 869 |
| Loan loss allowance to noncurrent loans | 46.2650% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 3.7967% | 1,523 |
| Noncurrent loans to loans | 6.3397% | 763 |
| Net loans and leases to total assets | 47.2996% | 5,898 |
| Net loans and leases to deposits | 53.8074% | 6,089 |
| Net loans and leases to core deposits | 54.7945% | 6,247 |
| Total domestic deposits to total assets | 87.9055% | 2,218 |
| Equity capital to assets | 10.7946% | 3,201 |
| Core capital (leverage) ratio | 9.8372% | 3,534 |
| Tier 1 risk-based capital ratio | 16.1484% | 2,981 |
| Total risk-based capital ratio | 17.4129% | 2,938 |
| Memoranda: | ||
| Average total assets | $131,903,400 | 4,132 |
| Average earning assets | $114,311,000 | 4,277 |
| Average equity | $14,169,000 | 4,077 |
| Average total loans | $70,515,600 | 4,472 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 1,939 |
| Cost of funding earning assets | 0.7762% | 5,303 |
| Net interest margin | 4.5047% | 1,138 |
| Noninterest income to average assets | 0.7929% | 2,087 |
| Noninterest expense to average assets | 3.7004% | 1,497 |
| Loan and lease loss provision to assets | 0.6321% | 1,546 |
| Net operating income to assets | 0.2973% | 5,401 |
| Return on assets (ROA) | 0.2973% | 5,577 |
| Pretax return on assets | 0.3105% | 5,683 |
| Return on Equity (ROE) | 2.7713% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.7713% | 4,707 |
| Net charge-offs to loans | 0.7699% | 2,025 |
| Credit loss provision to net charge-offs | 150.2404% | 2,082 |
| Earnings coverage of net charge-offs (x) | 2.2404% | 4,008 |
| Efficiency ratio | 79.6994% | 2,297 |
| Assets per employee ($millions) | 2.7247% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7213% | 1,106 |
| Loan loss allowance to noncurrent loans | 35.9962% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 4.9623% | 1,167 |
| Noncurrent loans to loans | 7.5600% | 616 |
| Net loans and leases to total assets | 51.8500% | 5,466 |
| Net loans and leases to deposits | 59.2296% | 5,726 |
| Net loans and leases to core deposits | 60.4638% | 5,949 |
| Total domestic deposits to total assets | 87.5406% | 2,333 |
| Equity capital to assets | 11.1022% | 3,047 |
| Core capital (leverage) ratio | 9.8078% | 3,697 |
| Tier 1 risk-based capital ratio | 15.2312% | 3,530 |
| Total risk-based capital ratio | 16.4934% | 3,485 |
| Memoranda: | ||
| Average total assets | $131,837,250 | 4,154 |
| Average earning assets | $112,679,250 | 4,341 |
| Average equity | $14,144,500 | 4,099 |
| Average total loans | $72,043,500 | 4,458 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 1,720 |
| Cost of funding earning assets | 0.8150% | 5,273 |
| Net interest margin | 4.5350% | 1,044 |
| Noninterest income to average assets | 0.7913% | 2,068 |
| Noninterest expense to average assets | 3.7734% | 1,388 |
| Loan and lease loss provision to assets | 0.4917% | 2,002 |
| Net operating income to assets | 0.3707% | 5,082 |
| Return on assets (ROA) | 0.3707% | 5,224 |
| Pretax return on assets | 0.3904% | 5,419 |
| Return on Equity (ROE) | 3.4952% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.4952% | 4,026 |
| Net charge-offs to loans | 0.0247% | 5,484 |
| Credit loss provision to net charge-offs | 3,611.1111% | 89 |
| Earnings coverage of net charge-offs (x) | 64.7778% | 506 |
| Efficiency ratio | 81.0530% | 2,233 |
| Assets per employee ($millions) | 2.7100% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8539% | 1,029 |
| Loan loss allowance to noncurrent loans | 38.5756% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 4.8370% | 1,280 |
| Noncurrent loans to loans | 7.3983% | 656 |
| Net loans and leases to total assets | 51.3706% | 5,648 |
| Net loans and leases to deposits | 58.9978% | 5,821 |
| Net loans and leases to core deposits | 60.2117% | 6,073 |
| Total domestic deposits to total assets | 87.0721% | 2,700 |
| Equity capital to assets | 10.7772% | 3,199 |
| Core capital (leverage) ratio | 9.7211% | 3,638 |
| Tier 1 risk-based capital ratio | 15.0352% | 3,475 |
| Total risk-based capital ratio | 16.2990% | 3,438 |
| Memoranda: | ||
| Average total assets | $132,188,000 | 4,177 |
| Average earning assets | $112,635,670 | 4,366 |
| Average equity | $14,019,330 | 4,118 |
| Average total loans | $72,821,670 | 4,474 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5421% | 1,196 |
| Cost of funding earning assets | 0.8453% | 5,301 |
| Net interest margin | 4.6968% | 710 |
| Noninterest income to average assets | 0.8704% | 1,768 |
| Noninterest expense to average assets | 3.7426% | 1,453 |
| Loan and lease loss provision to assets | 0.5308% | 1,636 |
| Net operating income to assets | 0.5975% | 4,043 |
| Return on assets (ROA) | 0.5975% | 4,111 |
| Pretax return on assets | 0.6248% | 4,586 |
| Return on Equity (ROE) | 5.6799% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.6799% | 2,809 |
| Net charge-offs to loans | -0.0594% | 6,942 |
| Credit loss provision to net charge-offs | -1,590.9091% | 6,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4087% | 3,089 |
| Assets per employee ($millions) | 2.7004% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5855% | 1,334 |
| Loan loss allowance to noncurrent loans | 63.9590% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 3.1222% | 2,211 |
| Noncurrent loans to loans | 4.0424% | 1,793 |
| Net loans and leases to total assets | 54.4735% | 5,234 |
| Net loans and leases to deposits | 63.3227% | 5,345 |
| Net loans and leases to core deposits | 64.6706% | 5,660 |
| Total domestic deposits to total assets | 86.0252% | 3,518 |
| Equity capital to assets | 10.7785% | 2,895 |
| Core capital (leverage) ratio | 9.6299% | 3,624 |
| Tier 1 risk-based capital ratio | 14.6310% | 3,654 |
| Total risk-based capital ratio | 15.8920% | 3,603 |
| Memoranda: | ||
| Average total assets | $131,887,000 | 4,216 |
| Average earning assets | $113,098,500 | 4,377 |
| Average equity | $13,873,500 | 4,134 |
| Average total loans | $74,123,000 | 4,457 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5942% | 1,912 |
| Cost of funding earning assets | 1.0548% | 5,398 |
| Net interest margin | 4.5394% | 1,152 |
| Noninterest income to average assets | 0.8431% | 2,089 |
| Noninterest expense to average assets | 3.3133% | 2,693 |
| Loan and lease loss provision to assets | 1.9617% | 675 |
| Net operating income to assets | -0.3383% | 6,254 |
| Return on assets (ROA) | -0.2954% | 6,253 |
| Pretax return on assets | -0.2954% | 6,159 |
| Return on Equity (ROE) | -2.7104% | 6,250 |
| Retained earnings to average equity (ytd only) | -2.7104% | 6,067 |
| Net charge-offs to loans | 2.5647% | 727 |
| Credit loss provision to net charge-offs | 133.6359% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.1059% | 5,007 |
| Efficiency ratio | 67.1165% | 4,742 |
| Assets per employee ($millions) | 2.7379% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2280% | 1,825 |
| Loan loss allowance to noncurrent loans | 65.6299% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.7438% | 2,544 |
| Noncurrent loans to loans | 3.3948% | 2,241 |
| Net loans and leases to total assets | 55.2167% | 5,454 |
| Net loans and leases to deposits | 63.0343% | 5,739 |
| Net loans and leases to core deposits | 64.8799% | 5,989 |
| Total domestic deposits to total assets | 87.5979% | 2,484 |
| Equity capital to assets | 10.2687% | 3,424 |
| Core capital (leverage) ratio | 9.1453% | 4,271 |
| Tier 1 risk-based capital ratio | 13.6811% | 4,077 |
| Total risk-based capital ratio | 14.9380% | 4,046 |
| Memoranda: | ||
| Average total assets | $135,090,200 | 4,154 |
| Average earning assets | $121,821,800 | 4,191 |
| Average equity | $14,721,200 | 3,991 |
| Average total loans | $77,318,400 | 4,412 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6602% | 1,850 |
| Cost of funding earning assets | 1.0855% | 5,518 |
| Net interest margin | 4.5746% | 1,097 |
| Noninterest income to average assets | 0.7636% | 2,426 |
| Noninterest expense to average assets | 3.3203% | 2,513 |
| Loan and lease loss provision to assets | 1.8227% | 685 |
| Net operating income to assets | -0.2394% | 6,370 |
| Return on assets (ROA) | -0.2394% | 6,420 |
| Pretax return on assets | -0.2108% | 6,328 |
| Return on Equity (ROE) | -2.1661% | 6,416 |
| Retained earnings to average equity (ytd only) | -2.1661% | 6,226 |
| Net charge-offs to loans | 1.9886% | 951 |
| Credit loss provision to net charge-offs | 159.6204% | 2,375 |
| Earnings coverage of net charge-offs (x) | 1.4116% | 4,669 |
| Efficiency ratio | 67.3192% | 4,604 |
| Assets per employee ($millions) | 2.7544% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2388% | 1,725 |
| Loan loss allowance to noncurrent loans | 52.9048% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.4198% | 2,957 |
| Noncurrent loans to loans | 4.2317% | 1,722 |
| Net loans and leases to total assets | 55.3894% | 5,636 |
| Net loans and leases to deposits | 63.8406% | 5,935 |
| Net loans and leases to core deposits | 65.4962% | 6,161 |
| Total domestic deposits to total assets | 86.7620% | 2,659 |
| Equity capital to assets | 11.0071% | 2,954 |
| Core capital (leverage) ratio | 9.3063% | 4,201 |
| Tier 1 risk-based capital ratio | 13.7856% | 3,994 |
| Total risk-based capital ratio | 15.0430% | 3,943 |
| Memoranda: | ||
| Average total assets | $135,324,000 | 4,202 |
| Average earning assets | $123,314,500 | 4,217 |
| Average equity | $14,957,500 | 3,996 |
| Average total loans | $77,707,000 | 4,477 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 1,822 |
| Cost of funding earning assets | 1.1155% | 5,596 |
| Net interest margin | 4.5687% | 1,065 |
| Noninterest income to average assets | 0.7117% | 2,638 |
| Noninterest expense to average assets | 3.2663% | 2,671 |
| Loan and lease loss provision to assets | 1.3290% | 1,023 |
| Net operating income to assets | 0.2510% | 5,372 |
| Return on assets (ROA) | 0.2510% | 5,509 |
| Pretax return on assets | 0.2894% | 5,527 |
| Return on Equity (ROE) | 2.2680% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.2680% | 4,711 |
| Net charge-offs to loans | 0.8193% | 2,201 |
| Credit loss provision to net charge-offs | 281.2500% | 1,315 |
| Earnings coverage of net charge-offs (x) | 3.4250% | 3,328 |
| Efficiency ratio | 66.8682% | 4,799 |
| Assets per employee ($millions) | 2.7702% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 2,021 |
| Loan loss allowance to noncurrent loans | 42.6706% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 2.7641% | 2,618 |
| Noncurrent loans to loans | 4.8641% | 1,443 |
| Net loans and leases to total assets | 55.6472% | 5,762 |
| Net loans and leases to deposits | 64.7699% | 5,937 |
| Net loans and leases to core deposits | 66.3872% | 6,212 |
| Total domestic deposits to total assets | 85.9151% | 3,139 |
| Equity capital to assets | 11.1227% | 2,753 |
| Core capital (leverage) ratio | 9.7804% | 3,433 |
| Tier 1 risk-based capital ratio | 14.2346% | 3,585 |
| Total risk-based capital ratio | 15.4908% | 3,548 |
| Memoranda: | ||
| Average total assets | $135,442,670 | 4,227 |
| Average earning assets | $123,712,000 | 4,238 |
| Average equity | $14,991,330 | 3,993 |
| Average total loans | $78,119,330 | 4,502 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8031% | 1,442 |
| Cost of funding earning assets | 1.1535% | 5,645 |
| Net interest margin | 4.6496% | 869 |
| Noninterest income to average assets | 0.6948% | 2,636 |
| Noninterest expense to average assets | 3.2699% | 2,634 |
| Loan and lease loss provision to assets | 1.6261% | 709 |
| Net operating income to assets | 0.0621% | 6,124 |
| Return on assets (ROA) | 0.0621% | 6,232 |
| Pretax return on assets | 0.0650% | 6,221 |
| Return on Equity (ROE) | 0.5623% | 6,248 |
| Retained earnings to average equity (ytd only) | 0.5623% | 5,603 |
| Net charge-offs to loans | 1.3739% | 1,252 |
| Credit loss provision to net charge-offs | 203.7037% | 1,828 |
| Earnings coverage of net charge-offs (x) | 2.1185% | 3,479 |
| Efficiency ratio | 65.9118% | 5,134 |
| Assets per employee ($millions) | 2.7803% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 3,159 |
| Loan loss allowance to noncurrent loans | 35.3245% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 2.8340% | 2,556 |
| Noncurrent loans to loans | 4.7392% | 1,557 |
| Net loans and leases to total assets | 57.2580% | 5,558 |
| Net loans and leases to deposits | 66.7243% | 5,743 |
| Net loans and leases to core deposits | 68.1848% | 6,080 |
| Total domestic deposits to total assets | 85.8129% | 3,254 |
| Equity capital to assets | 11.1793% | 2,607 |
| Core capital (leverage) ratio | 9.6293% | 3,602 |
| Tier 1 risk-based capital ratio | 13.9881% | 3,660 |
| Total risk-based capital ratio | 15.2400% | 3,626 |
| Memoranda: | ||
| Average total assets | $135,293,500 | 4,295 |
| Average earning assets | $124,141,000 | 4,281 |
| Average equity | $14,938,000 | 4,033 |
| Average total loans | $78,610,500 | 4,557 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0856% | 1,559 |
| Cost of funding earning assets | 1.4055% | 5,911 |
| Net interest margin | 4.6801% | 869 |
| Noninterest income to average assets | 0.6750% | 3,116 |
| Noninterest expense to average assets | 3.2324% | 3,267 |
| Loan and lease loss provision to assets | 0.5532% | 3,602 |
| Net operating income to assets | 1.2319% | 1,170 |
| Return on assets (ROA) | 1.2341% | 1,222 |
| Pretax return on assets | 1.2562% | 1,816 |
| Return on Equity (ROE) | 11.5795% | 1,270 |
| Retained earnings to average equity (ytd only) | 2.8239% | 3,192 |
| Net charge-offs to loans | 0.4715% | 3,896 |
| Credit loss provision to net charge-offs | 202.1563% | 1,923 |
| Earnings coverage of net charge-offs (x) | 6.6038% | 2,327 |
| Efficiency ratio | 64.1393% | 5,752 |
| Assets per employee ($millions) | 2.8570% | 6,549 |
| Cash dividends to net income (ytd only)* | 75.6127% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 4,848 |
| Loan loss allowance to noncurrent loans | 137.9730% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 5,922 |
| Noncurrent loans to loans | 0.9307% | 5,452 |
| Net loans and leases to total assets | 57.2334% | 5,783 |
| Net loans and leases to deposits | 66.4851% | 6,000 |
| Net loans and leases to core deposits | 75.1108% | 6,462 |
| Total domestic deposits to total assets | 86.0845% | 2,974 |
| Equity capital to assets | 10.9068% | 2,772 |
| Core capital (leverage) ratio | 9.5626% | 3,649 |
| Tier 1 risk-based capital ratio | 13.8358% | 3,608 |
| Total risk-based capital ratio | 14.9322% | 3,635 |
| Memoranda: | ||
| Average total assets | $135,564,400 | 4,226 |
| Average earning assets | $126,429,000 | 4,166 |
| Average equity | $14,448,000 | 4,160 |
| Average total loans | $78,683,600 | 4,564 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0997% | 1,657 |
| Cost of funding earning assets | 1.4446% | 6,058 |
| Net interest margin | 4.6552% | 904 |
| Noninterest income to average assets | 0.6411% | 3,412 |
| Noninterest expense to average assets | 3.1899% | 3,334 |
| Loan and lease loss provision to assets | 0.4685% | 3,562 |
| Net operating income to assets | 1.3228% | 1,171 |
| Return on assets (ROA) | 1.3257% | 1,231 |
| Pretax return on assets | 1.3434% | 1,836 |
| Return on Equity (ROE) | 12.5130% | 1,234 |
| Retained earnings to average equity (ytd only) | 4.6924% | 2,658 |
| Net charge-offs to loans | 0.3262% | 4,008 |
| Credit loss provision to net charge-offs | 247.3958% | 1,747 |
| Earnings coverage of net charge-offs (x) | 9.5522% | 2,091 |
| Efficiency ratio | 63.8122% | 5,791 |
| Assets per employee ($millions) | 2.7371% | 6,764 |
| Cash dividends to net income (ytd only)* | 62.4997% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,383 |
| Loan loss allowance to noncurrent loans | 114.7643% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 5,944 |
| Noncurrent loans to loans | 1.0072% | 5,292 |
| Net loans and leases to total assets | 58.9779% | 5,742 |
| Net loans and leases to deposits | 68.9577% | 6,032 |
| Net loans and leases to core deposits | 79.6424% | 6,384 |
| Total domestic deposits to total assets | 85.5277% | 2,954 |
| Equity capital to assets | 11.1678% | 2,857 |
| Core capital (leverage) ratio | 9.7080% | 3,635 |
| Tier 1 risk-based capital ratio | 13.7974% | 3,667 |
| Total risk-based capital ratio | 14.7806% | 3,763 |
| Memoranda: | ||
| Average total assets | $135,171,750 | 4,247 |
| Average earning assets | $126,537,500 | 4,194 |
| Average equity | $14,320,750 | 4,224 |
| Average total loans | $78,477,500 | 4,606 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0826% | 1,847 |
| Cost of funding earning assets | 1.4860% | 6,195 |
| Net interest margin | 4.5966% | 959 |
| Noninterest income to average assets | 0.6213% | 3,532 |
| Noninterest expense to average assets | 3.1301% | 3,579 |
| Loan and lease loss provision to assets | 0.4427% | 3,334 |
| Net operating income to assets | 1.3267% | 1,171 |
| Return on assets (ROA) | 1.3267% | 1,243 |
| Pretax return on assets | 1.3533% | 1,861 |
| Return on Equity (ROE) | 12.7503% | 1,231 |
| Retained earnings to average equity (ytd only) | 5.4462% | 2,273 |
| Net charge-offs to loans | 0.1565% | 4,629 |
| Credit loss provision to net charge-offs | 491.8033% | 943 |
| Earnings coverage of net charge-offs (x) | 19.9508% | 1,336 |
| Efficiency ratio | 63.5410% | 5,997 |
| Assets per employee ($millions) | 2.8072% | 6,606 |
| Cash dividends to net income (ytd only)* | 57.2859% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 5,472 |
| Loan loss allowance to noncurrent loans | 117.7807% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 6,032 |
| Noncurrent loans to loans | 0.9489% | 5,325 |
| Net loans and leases to total assets | 57.8467% | 5,986 |
| Net loans and leases to deposits | 68.5387% | 6,132 |
| Net loans and leases to core deposits | 79.1601% | 6,474 |
| Total domestic deposits to total assets | 84.4000% | 3,559 |
| Equity capital to assets | 10.7010% | 3,207 |
| Core capital (leverage) ratio | 9.4216% | 4,001 |
| Tier 1 risk-based capital ratio | 13.7397% | 3,666 |
| Total risk-based capital ratio | 14.6808% | 3,797 |
| Memoranda: | ||
| Average total assets | $135,523,000 | 4,270 |
| Average earning assets | $126,919,330 | 4,206 |
| Average equity | $14,101,670 | 4,286 |
| Average total loans | $77,961,670 | 4,659 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0947% | 1,965 |
| Cost of funding earning assets | 1.5402% | 6,278 |
| Net interest margin | 4.5545% | 1,030 |
| Noninterest income to average assets | 0.5533% | 3,892 |
| Noninterest expense to average assets | 3.1579% | 3,160 |
| Loan and lease loss provision to assets | 0.4415% | 2,717 |
| Net operating income to assets | 1.1655% | 1,757 |
| Return on assets (ROA) | 1.1655% | 1,873 |
| Pretax return on assets | 1.2184% | 2,555 |
| Return on Equity (ROE) | 11.3605% | 1,856 |
| Retained earnings to average equity (ytd only) | 5.1926% | 3,018 |
| Net charge-offs to loans | 0.0052% | 5,625 |
| Credit loss provision to net charge-offs | 15,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 564.0000% | 40 |
| Efficiency ratio | 65.5467% | 5,420 |
| Assets per employee ($millions) | 2.8249% | 6,585 |
| Cash dividends to net income (ytd only)* | 54.2929% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 6,118 |
| Loan loss allowance to noncurrent loans | 308.9844% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 6,969 |
| Noncurrent loans to loans | 0.3265% | 6,620 |
| Net loans and leases to total assets | 57.2474% | 6,061 |
| Net loans and leases to deposits | 67.1331% | 6,257 |
| Net loans and leases to core deposits | 79.8395% | 6,399 |
| Total domestic deposits to total assets | 85.2744% | 3,077 |
| Equity capital to assets | 10.5609% | 3,399 |
| Core capital (leverage) ratio | 9.2903% | 4,260 |
| Tier 1 risk-based capital ratio | 13.5104% | 3,855 |
| Total risk-based capital ratio | 14.3546% | 4,025 |
| Memoranda: | ||
| Average total assets | $135,912,500 | 4,288 |
| Average earning assets | $127,258,500 | 4,212 |
| Average equity | $13,943,000 | 4,349 |
| Average total loans | $77,529,500 | 4,697 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3834% | 3,506 |
| Cost of funding earning assets | 2.2000% | 5,598 |
| Net interest margin | 4.1834% | 2,376 |
| Noninterest income to average assets | 0.6542% | 3,442 |
| Noninterest expense to average assets | 3.1384% | 3,557 |
| Loan and lease loss provision to assets | 0.1658% | 5,263 |
| Net operating income to assets | 1.1890% | 1,806 |
| Return on assets (ROA) | 1.2707% | 1,514 |
| Pretax return on assets | 1.3220% | 2,233 |
| Return on Equity (ROE) | 13.4122% | 1,235 |
| Retained earnings to average equity (ytd only) | 7.1198% | 1,114 |
| Net charge-offs to loans | 0.3040% | 3,364 |
| Credit loss provision to net charge-offs | 94.8276% | 5,548 |
| Earnings coverage of net charge-offs (x) | 8.0216% | 2,961 |
| Efficiency ratio | 69.1120% | 4,507 |
| Assets per employee ($millions) | 2.8985% | 6,315 |
| Cash dividends to net income (ytd only)* | 46.9158% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 6,948 |
| Loan loss allowance to noncurrent loans | 214.7157% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 6,611 |
| Noncurrent loans to loans | 0.3901% | 6,172 |
| Net loans and leases to total assets | 55.7891% | 6,461 |
| Net loans and leases to deposits | 67.1342% | 6,541 |
| Net loans and leases to core deposits | 81.2057% | 6,522 |
| Total domestic deposits to total assets | 83.1008% | 3,725 |
| Equity capital to assets | 9.9581% | 4,086 |
| Core capital (leverage) ratio | 9.2731% | 4,337 |
| Tier 1 risk-based capital ratio | 13.4568% | 3,849 |
| Total risk-based capital ratio | 14.1492% | 4,090 |
| Memoranda: | ||
| Average total assets | $132,680,400 | 4,221 |
| Average earning assets | $123,272,400 | 4,186 |
| Average equity | $12,570,600 | 4,683 |
| Average total loans | $76,310,800 | 4,641 |