Home > The Milton Banking Company > Performance and Condition Ratios
The Milton Banking Company, Performance and Condition Ratios
| 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 | 5.3847% | 305 |
| Cost of funding earning assets | 0.4644% | 2,430 |
| Net interest margin | 4.9203% | 307 |
| Noninterest income to average assets | 0.5738% | 2,769 |
| Noninterest expense to average assets | 3.4717% | 1,218 |
| Loan and lease loss provision to assets | 0.1311% | 1,740 |
| Net operating income to assets | 1.0864% | 2,005 |
| Return on assets (ROA) | 1.0864% | 2,143 |
| Pretax return on assets | 1.3835% | 2,086 |
| Return on Equity (ROE) | 9.8649% | 2,106 |
| Retained earnings to average equity (ytd only) | 8.0929% | 1,145 |
| Net charge-offs to loans | 0.0181% | 3,142 |
| Credit loss provision to net charge-offs | 900.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 553 |
| Efficiency ratio | 69.1589% | 3,123 |
| Assets per employee ($millions) | 3.2084% | 5,194 |
| Cash dividends to net income (ytd only)* | 17.9625% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,283 |
| Loan loss allowance to noncurrent loans | 63.1693% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.1655% | 722 |
| Noncurrent loans to loans | 1.6467% | 1,295 |
| Net loans and leases to total assets | 82.4581% | 579 |
| Net loans and leases to deposits | 93.2368% | 1,373 |
| Net loans and leases to core deposits | 100.7608% | 1,580 |
| Total domestic deposits to total assets | 88.4395% | 1,204 |
| Equity capital to assets | 11.4885% | 2,563 |
| Core capital (leverage) ratio | 11.2232% | 2,211 |
| Tier 1 risk-based capital ratio | 15.6918% | 2,788 |
| Total risk-based capital ratio | 16.9051% | 2,734 |
| Memoranda: | ||
| Average total assets | $137,337,670 | 3,767 |
| Average earning assets | $123,162,670 | 3,820 |
| Average equity | $15,124,330 | 3,842 |
| Average total loans | $110,622,330 | 3,228 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 402 |
| Cost of funding earning assets | 0.4578% | 2,495 |
| Net interest margin | 4.7586% | 390 |
| Noninterest income to average assets | 0.5396% | 2,870 |
| Noninterest expense to average assets | 3.7596% | 828 |
| Loan and lease loss provision to assets | 0.1298% | 1,627 |
| Net operating income to assets | 0.6521% | 3,967 |
| Return on assets (ROA) | 0.6521% | 4,087 |
| Pretax return on assets | 0.9089% | 3,811 |
| Return on Equity (ROE) | 6.0484% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.0484% | 2,350 |
| Net charge-offs to loans | 0.0583% | 1,929 |
| Credit loss provision to net charge-offs | 281.2500% | 887 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,398 |
| Efficiency ratio | 77.8112% | 1,919 |
| Assets per employee ($millions) | 3.1701% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,497 |
| Loan loss allowance to noncurrent loans | 76.5068% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.8780% | 962 |
| Noncurrent loans to loans | 1.3318% | 1,791 |
| Net loans and leases to total assets | 79.6039% | 872 |
| Net loans and leases to deposits | 89.5498% | 1,636 |
| Net loans and leases to core deposits | 96.6475% | 1,732 |
| Total domestic deposits to total assets | 88.8934% | 1,159 |
| Equity capital to assets | 11.0560% | 2,879 |
| Core capital (leverage) ratio | 10.9238% | 2,471 |
| Tier 1 risk-based capital ratio | 15.4678% | 2,941 |
| Total risk-based capital ratio | 16.6411% | 2,915 |
| Memoranda: | ||
| Average total assets | $138,630,500 | 3,770 |
| Average earning assets | $124,069,000 | 3,830 |
| Average equity | $14,946,000 | 3,874 |
| Average total loans | $109,792,500 | 3,244 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4395% | 295 |
| Cost of funding earning assets | 0.5024% | 2,135 |
| Net interest margin | 4.9371% | 285 |
| Noninterest income to average assets | 0.6340% | 2,540 |
| Noninterest expense to average assets | 3.6876% | 997 |
| Loan and lease loss provision to assets | 0.0875% | 2,547 |
| Net operating income to assets | 0.9904% | 2,417 |
| Return on assets (ROA) | 0.9904% | 2,507 |
| Pretax return on assets | 1.3067% | 2,252 |
| Return on Equity (ROE) | 9.4462% | 2,247 |
| Retained earnings to average equity (ytd only) | 6.7909% | 1,382 |
| Net charge-offs to loans | 0.1564% | 1,815 |
| Credit loss provision to net charge-offs | 68.9655% | 3,140 |
| Earnings coverage of net charge-offs (x) | 10.9943% | 2,637 |
| Efficiency ratio | 72.0493% | 2,904 |
| Assets per employee ($millions) | 3.2033% | 5,291 |
| Cash dividends to net income (ytd only)* | 28.1089% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,675 |
| Loan loss allowance to noncurrent loans | 70.6035% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.9163% | 947 |
| Noncurrent loans to loans | 1.4015% | 1,665 |
| Net loans and leases to total assets | 77.2409% | 1,221 |
| Net loans and leases to deposits | 86.3394% | 2,083 |
| Net loans and leases to core deposits | 93.4915% | 2,090 |
| Total domestic deposits to total assets | 89.4619% | 879 |
| Equity capital to assets | 10.5154% | 3,345 |
| Core capital (leverage) ratio | 10.5842% | 2,838 |
| Tier 1 risk-based capital ratio | 15.2958% | 3,040 |
| Total risk-based capital ratio | 16.4415% | 3,019 |
| Memoranda: | ||
| Average total assets | $137,215,000 | 3,765 |
| Average earning assets | $123,614,400 | 3,806 |
| Average equity | $14,386,800 | 3,925 |
| Average total loans | $111,248,600 | 3,175 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 278 |
| Cost of funding earning assets | 0.5129% | 2,094 |
| Net interest margin | 4.9586% | 277 |
| Noninterest income to average assets | 0.6242% | 2,612 |
| Noninterest expense to average assets | 3.7676% | 892 |
| Loan and lease loss provision to assets | 0.1174% | 1,936 |
| Net operating income to assets | 0.9617% | 2,662 |
| Return on assets (ROA) | 0.9617% | 2,748 |
| Pretax return on assets | 1.2317% | 2,689 |
| Return on Equity (ROE) | 9.1792% | 2,481 |
| Retained earnings to average equity (ytd only) | 7.7879% | 1,336 |
| Net charge-offs to loans | 0.1565% | 1,574 |
| Credit loss provision to net charge-offs | 91.6031% | 2,448 |
| Earnings coverage of net charge-offs (x) | 10.5269% | 2,588 |
| Efficiency ratio | 73.0975% | 2,699 |
| Assets per employee ($millions) | 2.9369% | 5,613 |
| Cash dividends to net income (ytd only)* | 15.1576% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 4,571 |
| Loan loss allowance to noncurrent loans | 85.2298% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7950% | 1,198 |
| Noncurrent loans to loans | 1.2106% | 2,114 |
| Net loans and leases to total assets | 80.2982% | 781 |
| Net loans and leases to deposits | 91.7481% | 1,440 |
| Net loans and leases to core deposits | 100.2199% | 1,491 |
| Total domestic deposits to total assets | 87.5203% | 1,799 |
| Equity capital to assets | 10.8846% | 3,145 |
| Core capital (leverage) ratio | 10.6059% | 2,918 |
| Tier 1 risk-based capital ratio | 15.2213% | 3,180 |
| Total risk-based capital ratio | 16.4186% | 3,140 |
| Memoranda: | ||
| Average total assets | $136,282,250 | 3,819 |
| Average earning assets | $123,473,500 | 3,853 |
| Average equity | $14,278,250 | 3,982 |
| Average total loans | $111,571,750 | 3,203 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4575% | 284 |
| Cost of funding earning assets | 0.5170% | 2,095 |
| Net interest margin | 4.9405% | 280 |
| Noninterest income to average assets | 0.6146% | 2,657 |
| Noninterest expense to average assets | 3.7139% | 971 |
| Loan and lease loss provision to assets | 0.1317% | 1,670 |
| Net operating income to assets | 1.0170% | 2,308 |
| Return on assets (ROA) | 1.0170% | 2,413 |
| Pretax return on assets | 1.2438% | 2,577 |
| Return on Equity (ROE) | 9.8331% | 2,144 |
| Retained earnings to average equity (ytd only) | 7.7391% | 1,370 |
| Net charge-offs to loans | 0.1657% | 1,476 |
| Credit loss provision to net charge-offs | 96.7742% | 2,114 |
| Earnings coverage of net charge-offs (x) | 10.1075% | 2,394 |
| Efficiency ratio | 72.4267% | 2,946 |
| Assets per employee ($millions) | 2.9176% | 5,696 |
| Cash dividends to net income (ytd only)* | 21.2950% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 4,756 |
| Loan loss allowance to noncurrent loans | 86.0922% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.6977% | 1,403 |
| Noncurrent loans to loans | 1.1878% | 2,277 |
| Net loans and leases to total assets | 80.3996% | 754 |
| Net loans and leases to deposits | 91.3965% | 1,438 |
| Net loans and leases to core deposits | 99.6592% | 1,518 |
| Total domestic deposits to total assets | 87.9679% | 1,667 |
| Equity capital to assets | 10.5043% | 3,436 |
| Core capital (leverage) ratio | 10.2667% | 3,259 |
| Tier 1 risk-based capital ratio | 14.6302% | 3,565 |
| Total risk-based capital ratio | 15.8130% | 3,527 |
| Memoranda: | ||
| Average total assets | $136,676,670 | 3,840 |
| Average earning assets | $123,793,670 | 3,885 |
| Average equity | $14,136,000 | 4,025 |
| Average total loans | $112,224,670 | 3,202 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 292 |
| Cost of funding earning assets | 0.5265% | 2,041 |
| Net interest margin | 4.8932% | 305 |
| Noninterest income to average assets | 0.5482% | 2,959 |
| Noninterest expense to average assets | 3.7112% | 999 |
| Loan and lease loss provision to assets | 0.1319% | 1,570 |
| Net operating income to assets | 0.8208% | 3,152 |
| Return on assets (ROA) | 0.8208% | 3,281 |
| Pretax return on assets | 1.1462% | 2,881 |
| Return on Equity (ROE) | 7.9989% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.6846% | 1,691 |
| Net charge-offs to loans | -0.1527% | 5,985 |
| Credit loss provision to net charge-offs | -104.6512% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7955% | 2,848 |
| Assets per employee ($millions) | 2.9833% | 5,691 |
| Cash dividends to net income (ytd only)* | 3.9286% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 4,525 |
| Loan loss allowance to noncurrent loans | 71.3043% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.9675% | 1,218 |
| Noncurrent loans to loans | 1.5425% | 1,820 |
| Net loans and leases to total assets | 80.5927% | 622 |
| Net loans and leases to deposits | 91.4102% | 1,243 |
| Net loans and leases to core deposits | 99.6441% | 1,344 |
| Total domestic deposits to total assets | 88.1660% | 1,725 |
| Equity capital to assets | 10.3132% | 3,761 |
| Core capital (leverage) ratio | 9.7843% | 3,908 |
| Tier 1 risk-based capital ratio | 14.8950% | 3,486 |
| Total risk-based capital ratio | 16.1465% | 3,427 |
| Memoranda: | ||
| Average total assets | $136,452,500 | 3,871 |
| Average earning assets | $123,846,000 | 3,907 |
| Average equity | $14,002,000 | 4,074 |
| Average total loans | $112,643,500 | 3,219 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 213 |
| Cost of funding earning assets | 0.5346% | 2,338 |
| Net interest margin | 5.2143% | 207 |
| Noninterest income to average assets | 0.6758% | 2,427 |
| Noninterest expense to average assets | 3.7152% | 1,121 |
| Loan and lease loss provision to assets | 0.1331% | 1,966 |
| Net operating income to assets | 1.0469% | 2,177 |
| Return on assets (ROA) | 1.0469% | 2,249 |
| Pretax return on assets | 1.5223% | 1,466 |
| Return on Equity (ROE) | 10.5898% | 1,862 |
| Retained earnings to average equity (ytd only) | 7.4936% | 1,192 |
| Net charge-offs to loans | 0.2209% | 1,901 |
| Credit loss provision to net charge-offs | 72.5806% | 3,006 |
| Earnings coverage of net charge-offs (x) | 9.0282% | 2,803 |
| Efficiency ratio | 68.5848% | 3,794 |
| Assets per employee ($millions) | 2.9494% | 5,762 |
| Cash dividends to net income (ytd only)* | 29.2373% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 5,007 |
| Loan loss allowance to noncurrent loans | 89.1491% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.6746% | 1,610 |
| Noncurrent loans to loans | 1.1291% | 2,580 |
| Net loans and leases to total assets | 82.7843% | 452 |
| Net loans and leases to deposits | 93.7780% | 1,095 |
| Net loans and leases to core deposits | 102.1380% | 1,238 |
| Total domestic deposits to total assets | 88.2770% | 1,624 |
| Equity capital to assets | 10.2091% | 3,842 |
| Core capital (leverage) ratio | 9.9616% | 3,632 |
| Tier 1 risk-based capital ratio | 12.9052% | 4,792 |
| Total risk-based capital ratio | 14.0034% | 4,791 |
| Memoranda: | ||
| Average total assets | $135,256,600 | 3,882 |
| Average earning assets | $121,779,800 | 3,923 |
| Average equity | $13,371,400 | 4,125 |
| Average total loans | $112,251,600 | 3,174 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7902% | 197 |
| Cost of funding earning assets | 0.5373% | 2,397 |
| Net interest margin | 5.2529% | 187 |
| Noninterest income to average assets | 0.6777% | 2,439 |
| Noninterest expense to average assets | 3.7833% | 994 |
| Loan and lease loss provision to assets | 0.1332% | 1,879 |
| Net operating income to assets | 1.0112% | 2,403 |
| Return on assets (ROA) | 1.0112% | 2,458 |
| Pretax return on assets | 1.4778% | 1,719 |
| Return on Equity (ROE) | 10.3130% | 2,063 |
| Retained earnings to average equity (ytd only) | 8.7133% | 1,089 |
| Net charge-offs to loans | 0.0476% | 3,546 |
| Credit loss provision to net charge-offs | 337.5000% | 829 |
| Earnings coverage of net charge-offs (x) | 40.8266% | 1,114 |
| Efficiency ratio | 69.5318% | 3,587 |
| Assets per employee ($millions) | 2.9284% | 5,813 |
| Cash dividends to net income (ytd only)* | 15.5119% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 4,478 |
| Loan loss allowance to noncurrent loans | 97.7528% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.8113% | 1,635 |
| Noncurrent loans to loans | 1.1806% | 2,700 |
| Net loans and leases to total assets | 82.9743% | 412 |
| Net loans and leases to deposits | 94.0842% | 1,036 |
| Net loans and leases to core deposits | 102.5450% | 1,183 |
| Total domestic deposits to total assets | 88.1915% | 1,663 |
| Equity capital to assets | 10.1820% | 3,953 |
| Core capital (leverage) ratio | 9.9211% | 3,777 |
| Tier 1 risk-based capital ratio | 12.7396% | 5,019 |
| Total risk-based capital ratio | 13.9900% | 4,925 |
| Memoranda: | ||
| Average total assets | $135,152,500 | 3,917 |
| Average earning assets | $121,352,250 | 3,963 |
| Average equity | $13,251,500 | 4,170 |
| Average total loans | $111,950,000 | 3,194 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7719% | 193 |
| Cost of funding earning assets | 0.5436% | 2,400 |
| Net interest margin | 5.2283% | 190 |
| Noninterest income to average assets | 0.6755% | 2,400 |
| Noninterest expense to average assets | 3.7797% | 997 |
| Loan and lease loss provision to assets | 0.1330% | 1,863 |
| Net operating income to assets | 0.9889% | 2,368 |
| Return on assets (ROA) | 0.9889% | 2,448 |
| Pretax return on assets | 1.4545% | 1,698 |
| Return on Equity (ROE) | 10.2163% | 2,050 |
| Retained earnings to average equity (ytd only) | 8.0173% | 1,326 |
| Net charge-offs to loans | 0.0466% | 3,315 |
| Credit loss provision to net charge-offs | 346.1538% | 770 |
| Earnings coverage of net charge-offs (x) | 41.3077% | 1,031 |
| Efficiency ratio | 69.8155% | 3,688 |
| Assets per employee ($millions) | 2.8349% | 5,981 |
| Cash dividends to net income (ytd only)* | 21.5247% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 4,775 |
| Loan loss allowance to noncurrent loans | 184.6377% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.3967% | 2,342 |
| Noncurrent loans to loans | 0.6111% | 4,194 |
| Net loans and leases to total assets | 83.7874% | 315 |
| Net loans and leases to deposits | 94.8320% | 897 |
| Net loans and leases to core deposits | 103.4432% | 1,055 |
| Total domestic deposits to total assets | 88.3535% | 1,709 |
| Equity capital to assets | 10.0404% | 4,048 |
| Core capital (leverage) ratio | 9.7087% | 4,028 |
| Tier 1 risk-based capital ratio | 12.4953% | 5,231 |
| Total risk-based capital ratio | 13.7271% | 5,165 |
| Memoranda: | ||
| Average total assets | $135,300,670 | 3,935 |
| Average earning assets | $121,415,670 | 3,978 |
| Average equity | $13,096,670 | 4,202 |
| Average total loans | $111,574,000 | 3,208 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6119% | 254 |
| Cost of funding earning assets | 0.5426% | 2,478 |
| Net interest margin | 5.0694% | 234 |
| Noninterest income to average assets | 0.6338% | 2,550 |
| Noninterest expense to average assets | 3.8055% | 974 |
| Loan and lease loss provision to assets | 0.1320% | 1,839 |
| Net operating income to assets | 0.8890% | 2,706 |
| Return on assets (ROA) | 0.8890% | 2,771 |
| Pretax return on assets | 1.2470% | 2,292 |
| Return on Equity (ROE) | 9.3547% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.3547% | 1,147 |
| Net charge-offs to loans | -0.0036% | 4,768 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7221% | 3,358 |
| Assets per employee ($millions) | 3.0360% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,009 |
| Loan loss allowance to noncurrent loans | 154.4895% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.4259% | 2,488 |
| Noncurrent loans to loans | 0.7283% | 4,039 |
| Net loans and leases to total assets | 80.7851% | 474 |
| Net loans and leases to deposits | 90.9283% | 1,044 |
| Net loans and leases to core deposits | 98.7386% | 1,188 |
| Total domestic deposits to total assets | 88.8448% | 1,755 |
| Equity capital to assets | 9.6042% | 4,349 |
| Core capital (leverage) ratio | 9.5544% | 4,204 |
| Tier 1 risk-based capital ratio | 12.3249% | 5,423 |
| Total risk-based capital ratio | 13.5448% | 5,381 |
| Memoranda: | ||
| Average total assets | $136,330,000 | 3,948 |
| Average earning assets | $122,382,000 | 3,992 |
| Average equity | $12,956,000 | 4,245 |
| Average total loans | $110,904,000 | 3,244 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9784% | 181 |
| Cost of funding earning assets | 0.6313% | 2,372 |
| Net interest margin | 5.3471% | 172 |
| Noninterest income to average assets | 0.6708% | 2,700 |
| Noninterest expense to average assets | 3.7093% | 1,275 |
| Loan and lease loss provision to assets | 0.1815% | 2,030 |
| Net operating income to assets | 1.0882% | 1,969 |
| Return on assets (ROA) | 1.0882% | 2,044 |
| Pretax return on assets | 1.5775% | 1,229 |
| Return on Equity (ROE) | 11.6176% | 1,550 |
| Retained earnings to average equity (ytd only) | 8.6547% | 861 |
| Net charge-offs to loans | 0.1919% | 2,930 |
| Credit loss provision to net charge-offs | 114.2857% | 2,115 |
| Earnings coverage of net charge-offs (x) | 11.0762% | 2,278 |
| Efficiency ratio | 67.1276% | 4,349 |
| Assets per employee ($millions) | 2.9574% | 5,899 |
| Cash dividends to net income (ytd only)* | 25.5038% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,161 |
| Loan loss allowance to noncurrent loans | 145.0839% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.5341% | 2,424 |
| Noncurrent loans to loans | 0.7569% | 4,077 |
| Net loans and leases to total assets | 80.1039% | 586 |
| Net loans and leases to deposits | 89.9438% | 1,244 |
| Net loans and leases to core deposits | 97.6802% | 1,331 |
| Total domestic deposits to total assets | 89.0600% | 1,578 |
| Equity capital to assets | 9.4022% | 4,542 |
| Core capital (leverage) ratio | 9.2726% | 4,598 |
| Tier 1 risk-based capital ratio | 12.0392% | 5,594 |
| Total risk-based capital ratio | 13.2164% | 5,571 |
| Memoranda: | ||
| Average total assets | $132,234,400 | 4,029 |
| Average earning assets | $118,643,400 | 4,071 |
| Average equity | $12,386,400 | 4,377 |
| Average total loans | $109,457,400 | 3,256 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0137% | 176 |
| Cost of funding earning assets | 0.6388% | 2,465 |
| Net interest margin | 5.3749% | 172 |
| Noninterest income to average assets | 0.6723% | 2,768 |
| Noninterest expense to average assets | 3.7425% | 1,178 |
| Loan and lease loss provision to assets | 0.1980% | 1,836 |
| Net operating income to assets | 1.0704% | 2,115 |
| Return on assets (ROA) | 1.0704% | 2,200 |
| Pretax return on assets | 1.5600% | 1,443 |
| Return on Equity (ROE) | 11.4389% | 1,669 |
| Retained earnings to average equity (ytd only) | 9.9955% | 791 |
| Net charge-offs to loans | 0.0976% | 3,583 |
| Credit loss provision to net charge-offs | 243.7500% | 1,014 |
| Earnings coverage of net charge-offs (x) | 21.6383% | 1,537 |
| Efficiency ratio | 67.3191% | 4,229 |
| Assets per employee ($millions) | 3.1160% | 5,646 |
| Cash dividends to net income (ytd only)* | 12.6187% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,012 |
| Loan loss allowance to noncurrent loans | 99.1577% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.8629% | 2,182 |
| Noncurrent loans to loans | 1.1812% | 3,454 |
| Net loans and leases to total assets | 81.5506% | 404 |
| Net loans and leases to deposits | 91.7440% | 999 |
| Net loans and leases to core deposits | 100.4283% | 1,084 |
| Total domestic deposits to total assets | 88.8893% | 1,618 |
| Equity capital to assets | 9.4695% | 4,590 |
| Core capital (leverage) ratio | 9.3105% | 4,678 |
| Tier 1 risk-based capital ratio | 11.9167% | 5,827 |
| Total risk-based capital ratio | 13.1667% | 5,772 |
| Memoranda: | ||
| Average total assets | $131,282,500 | 4,083 |
| Average earning assets | $117,928,500 | 4,127 |
| Average equity | $12,285,250 | 4,436 |
| Average total loans | $109,275,500 | 3,284 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0159% | 179 |
| Cost of funding earning assets | 0.6406% | 2,584 |
| Net interest margin | 5.3753% | 162 |
| Noninterest income to average assets | 0.7271% | 2,520 |
| Noninterest expense to average assets | 3.6785% | 1,283 |
| Loan and lease loss provision to assets | 0.2301% | 1,627 |
| Net operating income to assets | 1.1336% | 1,802 |
| Return on assets (ROA) | 1.1336% | 1,915 |
| Pretax return on assets | 1.6582% | 1,218 |
| Return on Equity (ROE) | 12.1636% | 1,439 |
| Retained earnings to average equity (ytd only) | 9.9745% | 846 |
| Net charge-offs to loans | 0.0955% | 3,407 |
| Credit loss provision to net charge-offs | 288.4615% | 894 |
| Earnings coverage of net charge-offs (x) | 23.6731% | 1,322 |
| Efficiency ratio | 65.3348% | 4,662 |
| Assets per employee ($millions) | 2.9148% | 5,993 |
| Cash dividends to net income (ytd only)* | 17.9973% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,185 |
| Loan loss allowance to noncurrent loans | 119.8874% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.8358% | 2,364 |
| Noncurrent loans to loans | 0.9694% | 4,000 |
| Net loans and leases to total assets | 82.8660% | 298 |
| Net loans and leases to deposits | 93.3259% | 855 |
| Net loans and leases to core deposits | 102.3774% | 922 |
| Total domestic deposits to total assets | 88.7921% | 1,737 |
| Equity capital to assets | 9.4140% | 4,700 |
| Core capital (leverage) ratio | 9.1230% | 4,799 |
| Tier 1 risk-based capital ratio | 11.7641% | 5,946 |
| Total risk-based capital ratio | 13.0142% | 5,901 |
| Memoranda: | ||
| Average total assets | $130,380,670 | 4,133 |
| Average earning assets | $117,389,330 | 4,170 |
| Average equity | $12,151,000 | 4,496 |
| Average total loans | $108,846,330 | 3,302 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9762% | 176 |
| Cost of funding earning assets | 0.6356% | 2,783 |
| Net interest margin | 5.3407% | 158 |
| Noninterest income to average assets | 0.6308% | 2,975 |
| Noninterest expense to average assets | 3.6711% | 1,293 |
| Loan and lease loss provision to assets | 0.1385% | 2,512 |
| Net operating income to assets | 1.1263% | 1,758 |
| Return on assets (ROA) | 1.1263% | 1,876 |
| Pretax return on assets | 1.6309% | 1,233 |
| Return on Equity (ROE) | 12.1469% | 1,381 |
| Retained earnings to average equity (ytd only) | 12.1469% | 683 |
| Net charge-offs to loans | -0.0554% | 6,177 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6290% | 4,550 |
| Assets per employee ($millions) | 3.0384% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 5,424 |
| Loan loss allowance to noncurrent loans | 103.9396% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 2.0926% | 2,242 |
| Noncurrent loans to loans | 1.1033% | 3,939 |
| Net loans and leases to total assets | 81.8164% | 290 |
| Net loans and leases to deposits | 92.0381% | 798 |
| Net loans and leases to core deposits | 101.7815% | 837 |
| Total domestic deposits to total assets | 88.8941% | 1,741 |
| Equity capital to assets | 9.3601% | 5,044 |
| Core capital (leverage) ratio | 8.9255% | 5,016 |
| Tier 1 risk-based capital ratio | 11.7830% | 6,040 |
| Total risk-based capital ratio | 13.0329% | 6,018 |
| Memoranda: | ||
| Average total assets | $129,988,000 | 4,181 |
| Average earning assets | $117,063,500 | 4,218 |
| Average equity | $12,052,500 | 4,562 |
| Average total loans | $108,284,500 | 3,328 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3764% | 150 |
| Cost of funding earning assets | 0.7597% | 3,017 |
| Net interest margin | 5.6167% | 146 |
| Noninterest income to average assets | 0.6135% | 3,212 |
| Noninterest expense to average assets | 3.5524% | 1,714 |
| Loan and lease loss provision to assets | 0.6489% | 823 |
| Net operating income to assets | 0.9088% | 2,775 |
| Return on assets (ROA) | 0.9088% | 3,013 |
| Pretax return on assets | 1.3671% | 2,154 |
| Return on Equity (ROE) | 10.0215% | 2,158 |
| Retained earnings to average equity (ytd only) | 6.8171% | 1,662 |
| Net charge-offs to loans | 0.4967% | 2,251 |
| Credit loss provision to net charge-offs | 161.2524% | 1,666 |
| Earnings coverage of net charge-offs (x) | 5.0098% | 3,179 |
| Efficiency ratio | 62.9331% | 5,090 |
| Assets per employee ($millions) | 2.9392% | 6,094 |
| Cash dividends to net income (ytd only)* | 31.9757% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,600 |
| Loan loss allowance to noncurrent loans | 71.6889% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.1852% | 2,244 |
| Noncurrent loans to loans | 1.5180% | 3,331 |
| Net loans and leases to total assets | 82.9345% | 275 |
| Net loans and leases to deposits | 93.1534% | 816 |
| Net loans and leases to core deposits | 102.1554% | 885 |
| Total domestic deposits to total assets | 89.0300% | 1,546 |
| Equity capital to assets | 9.1831% | 5,287 |
| Core capital (leverage) ratio | 8.8984% | 5,044 |
| Tier 1 risk-based capital ratio | 11.2238% | 6,261 |
| Total risk-based capital ratio | 12.4008% | 6,259 |
| Memoranda: | ||
| Average total assets | $126,985,600 | 4,212 |
| Average earning assets | $112,023,000 | 4,291 |
| Average equity | $11,515,200 | 4,667 |
| Average total loans | $102,872,000 | 3,460 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3713% | 159 |
| Cost of funding earning assets | 0.7858% | 3,069 |
| Net interest margin | 5.5855% | 158 |
| Noninterest income to average assets | 0.6097% | 3,213 |
| Noninterest expense to average assets | 3.5231% | 1,705 |
| Loan and lease loss provision to assets | 0.5601% | 1,026 |
| Net operating income to assets | 1.0105% | 2,449 |
| Return on assets (ROA) | 1.0105% | 2,678 |
| Pretax return on assets | 1.4377% | 2,124 |
| Return on Equity (ROE) | 11.1799% | 1,897 |
| Retained earnings to average equity (ytd only) | 8.4257% | 1,436 |
| Net charge-offs to loans | 0.4704% | 2,216 |
| Credit loss provision to net charge-offs | 148.3240% | 1,913 |
| Earnings coverage of net charge-offs (x) | 5.2905% | 3,056 |
| Efficiency ratio | 62.9156% | 4,992 |
| Assets per employee ($millions) | 2.9399% | 6,152 |
| Cash dividends to net income (ytd only)* | 24.6348% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 6,159 |
| Loan loss allowance to noncurrent loans | 65.9480% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.2576% | 2,363 |
| Noncurrent loans to loans | 1.4854% | 3,560 |
| Net loans and leases to total assets | 83.1589% | 271 |
| Net loans and leases to deposits | 92.3674% | 933 |
| Net loans and leases to core deposits | 101.6506% | 1,008 |
| Total domestic deposits to total assets | 90.0306% | 833 |
| Equity capital to assets | 9.3587% | 5,396 |
| Core capital (leverage) ratio | 9.0197% | 5,034 |
| Tier 1 risk-based capital ratio | 11.3054% | 6,356 |
| Total risk-based capital ratio | 12.3575% | 6,413 |
| Memoranda: | ||
| Average total assets | $126,400,750 | 4,264 |
| Average earning assets | $111,142,000 | 4,360 |
| Average equity | $11,425,000 | 4,725 |
| Average total loans | $101,481,250 | 3,525 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4340% | 161 |
| Cost of funding earning assets | 0.8038% | 3,161 |
| Net interest margin | 5.6302% | 151 |
| Noninterest income to average assets | 0.6171% | 3,152 |
| Noninterest expense to average assets | 3.5967% | 1,581 |
| Loan and lease loss provision to assets | 0.7706% | 669 |
| Net operating income to assets | 0.8181% | 3,310 |
| Return on assets (ROA) | 0.8181% | 3,571 |
| Pretax return on assets | 1.1820% | 3,010 |
| Return on Equity (ROE) | 9.1588% | 2,734 |
| Retained earnings to average equity (ytd only) | 5.7043% | 2,877 |
| Net charge-offs to loans | 0.5785% | 1,873 |
| Credit loss provision to net charge-offs | 168.5121% | 1,659 |
| Earnings coverage of net charge-offs (x) | 4.2699% | 3,129 |
| Efficiency ratio | 63.9008% | 4,915 |
| Assets per employee ($millions) | 2.8152% | 6,379 |
| Cash dividends to net income (ytd only)* | 37.7176% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 5,972 |
| Loan loss allowance to noncurrent loans | 220.9544% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 1.4386% | 3,554 |
| Noncurrent loans to loans | 0.4742% | 5,583 |
| Net loans and leases to total assets | 81.1960% | 387 |
| Net loans and leases to deposits | 89.7094% | 1,169 |
| Net loans and leases to core deposits | 98.3888% | 1,233 |
| Total domestic deposits to total assets | 90.5100% | 657 |
| Equity capital to assets | 9.2147% | 5,444 |
| Core capital (leverage) ratio | 8.5380% | 5,597 |
| Tier 1 risk-based capital ratio | 11.3600% | 6,305 |
| Total risk-based capital ratio | 12.4844% | 6,355 |
| Memoranda: | ||
| Average total assets | $126,395,330 | 4,283 |
| Average earning assets | $110,724,670 | 4,394 |
| Average equity | $11,289,670 | 4,754 |
| Average total loans | $99,919,330 | 3,574 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4228% | 178 |
| Cost of funding earning assets | 0.7983% | 3,489 |
| Net interest margin | 5.6244% | 155 |
| Noninterest income to average assets | 0.6549% | 2,900 |
| Noninterest expense to average assets | 3.6503% | 1,465 |
| Loan and lease loss provision to assets | 0.2914% | 2,137 |
| Net operating income to assets | 1.0998% | 2,084 |
| Return on assets (ROA) | 1.0998% | 2,275 |
| Pretax return on assets | 1.5917% | 1,599 |
| Return on Equity (ROE) | 12.5050% | 1,530 |
| Retained earnings to average equity (ytd only) | 12.0775% | 816 |
| Net charge-offs to loans | 0.7995% | 1,288 |
| Credit loss provision to net charge-offs | 46.9697% | 3,329 |
| Earnings coverage of net charge-offs (x) | 3.0354% | 2,978 |
| Efficiency ratio | 64.9490% | 4,745 |
| Assets per employee ($millions) | 2.9478% | 6,253 |
| Cash dividends to net income (ytd only)* | 3.4188% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 6,771 |
| Loan loss allowance to noncurrent loans | 128.2828% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 3,453 |
| Noncurrent loans to loans | 0.6097% | 5,443 |
| Net loans and leases to total assets | 74.5204% | 985 |
| Net loans and leases to deposits | 81.9417% | 1,942 |
| Net loans and leases to core deposits | 89.4358% | 1,909 |
| Total domestic deposits to total assets | 90.9432% | 584 |
| Equity capital to assets | 8.7892% | 5,759 |
| Core capital (leverage) ratio | 8.6990% | 5,296 |
| Tier 1 risk-based capital ratio | 10.9997% | 6,535 |
| Total risk-based capital ratio | 11.7785% | 6,718 |
| Memoranda: | ||
| Average total assets | $127,659,500 | 4,289 |
| Average earning assets | $110,731,000 | 4,420 |
| Average equity | $11,227,500 | 4,778 |
| Average total loans | $99,059,000 | 3,624 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4214% | 205 |
| Cost of funding earning assets | 1.2534% | 1,713 |
| Net interest margin | 5.1679% | 302 |
| Noninterest income to average assets | 0.6727% | 2,769 |
| Noninterest expense to average assets | 3.5888% | 1,766 |
| Loan and lease loss provision to assets | 0.2621% | 3,598 |
| Net operating income to assets | 0.9956% | 2,215 |
| Return on assets (ROA) | 0.9979% | 2,349 |
| Pretax return on assets | 1.4333% | 1,676 |
| Return on Equity (ROE) | 11.6283% | 1,522 |
| Retained earnings to average equity (ytd only) | 6.8616% | 1,570 |
| Net charge-offs to loans | 0.1728% | 4,764 |
| Credit loss provision to net charge-offs | 194.0828% | 1,310 |
| Earnings coverage of net charge-offs (x) | 12.5325% | 1,615 |
| Efficiency ratio | 66.8381% | 4,603 |
| Assets per employee ($millions) | 2.8549% | 6,367 |
| Cash dividends to net income (ytd only)* | 40.9928% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 6,624 |
| Loan loss allowance to noncurrent loans | 65.8314% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.1574% | 2,780 |
| Noncurrent loans to loans | 1.3078% | 4,190 |
| Net loans and leases to total assets | 79.4754% | 545 |
| Net loans and leases to deposits | 87.3529% | 1,469 |
| Net loans and leases to core deposits | 95.2024% | 1,569 |
| Total domestic deposits to total assets | 90.9820% | 515 |
| Equity capital to assets | 8.8007% | 5,796 |
| Core capital (leverage) ratio | 8.2543% | 5,921 |
| Tier 1 risk-based capital ratio | 10.8634% | 6,529 |
| Total risk-based capital ratio | 11.7684% | 6,658 |
| Memoranda: | ||
| Average total assets | $125,166,400 | 4,270 |
| Average earning assets | $111,612,000 | 4,352 |
| Average equity | $10,741,000 | 4,847 |
| Average total loans | $97,794,400 | 3,675 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4021% | 227 |
| Cost of funding earning assets | 1.3370% | 1,517 |
| Net interest margin | 5.0651% | 369 |
| Noninterest income to average assets | 0.7037% | 2,584 |
| Noninterest expense to average assets | 3.6591% | 1,583 |
| Loan and lease loss provision to assets | 0.2570% | 3,448 |
| Net operating income to assets | 0.9097% | 2,703 |
| Return on assets (ROA) | 0.9126% | 2,824 |
| Pretax return on assets | 1.3157% | 2,241 |
| Return on Equity (ROE) | 10.7039% | 1,957 |
| Retained earnings to average equity (ytd only) | 8.4031% | 1,354 |
| Net charge-offs to loans | 0.1483% | 4,585 |
| Credit loss provision to net charge-offs | 223.1481% | 1,280 |
| Earnings coverage of net charge-offs (x) | 13.6200% | 1,601 |
| Efficiency ratio | 68.8558% | 4,148 |
| Assets per employee ($millions) | 2.7733% | 6,535 |
| Cash dividends to net income (ytd only)* | 21.4957% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 6,724 |
| Loan loss allowance to noncurrent loans | 51.1246% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 2.3438% | 2,737 |
| Noncurrent loans to loans | 1.6614% | 3,806 |
| Net loans and leases to total assets | 78.6662% | 645 |
| Net loans and leases to deposits | 86.5258% | 1,619 |
| Net loans and leases to core deposits | 94.5398% | 1,742 |
| Total domestic deposits to total assets | 90.9164% | 460 |
| Equity capital to assets | 8.8223% | 5,955 |
| Core capital (leverage) ratio | 8.1941% | 6,139 |
| Tier 1 risk-based capital ratio | 10.9470% | 6,574 |
| Total risk-based capital ratio | 11.8387% | 6,725 |
| Memoranda: | ||
| Average total assets | $125,054,250 | 4,297 |
| Average earning assets | $111,689,500 | 4,367 |
| Average equity | $10,662,500 | 4,878 |
| Average total loans | $97,068,000 | 3,722 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3525% | 257 |
| Cost of funding earning assets | 1.3909% | 1,459 |
| Net interest margin | 4.9615% | 420 |
| Noninterest income to average assets | 0.6840% | 2,633 |
| Noninterest expense to average assets | 3.6679% | 1,588 |
| Loan and lease loss provision to assets | 0.1902% | 4,016 |
| Net operating income to assets | 0.8662% | 2,791 |
| Return on assets (ROA) | 0.8662% | 2,880 |
| Pretax return on assets | 1.2498% | 2,310 |
| Return on Equity (ROE) | 10.2781% | 2,020 |
| Retained earnings to average equity (ytd only) | 7.7370% | 1,564 |
| Net charge-offs to loans | 0.2074% | 3,910 |
| Credit loss provision to net charge-offs | 119.0000% | 2,576 |
| Earnings coverage of net charge-offs (x) | 9.0100% | 1,980 |
| Efficiency ratio | 70.5882% | 4,012 |
| Assets per employee ($millions) | 2.8207% | 6,432 |
| Cash dividends to net income (ytd only)* | 24.7232% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 6,958 |
| Loan loss allowance to noncurrent loans | 49.7945% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.0723% | 3,150 |
| Noncurrent loans to loans | 1.4981% | 4,172 |
| Net loans and leases to total assets | 77.9401% | 788 |
| Net loans and leases to deposits | 85.5635% | 1,851 |
| Net loans and leases to core deposits | 93.5142% | 1,959 |
| Total domestic deposits to total assets | 91.0903% | 470 |
| Equity capital to assets | 8.6599% | 5,990 |
| Core capital (leverage) ratio | 8.0438% | 6,248 |
| Tier 1 risk-based capital ratio | 10.7873% | 6,674 |
| Total risk-based capital ratio | 11.5682% | 6,857 |
| Memoranda: | ||
| Average total assets | $125,140,000 | 4,317 |
| Average earning assets | $111,578,670 | 4,398 |
| Average equity | $10,546,670 | 4,913 |
| Average total loans | $96,419,330 | 3,788 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2557% | 304 |
| Cost of funding earning assets | 1.4196% | 1,514 |
| Net interest margin | 4.8361% | 529 |
| Noninterest income to average assets | 0.6621% | 2,772 |
| Noninterest expense to average assets | 3.4889% | 2,032 |
| Loan and lease loss provision to assets | 0.1337% | 4,333 |
| Net operating income to assets | 0.9709% | 2,277 |
| Return on assets (ROA) | 0.9709% | 2,343 |
| Pretax return on assets | 1.3338% | 1,930 |
| Return on Equity (ROE) | 11.6791% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.6791% | 782 |
| Net charge-offs to loans | 0.1502% | 3,587 |
| Credit loss provision to net charge-offs | 116.6667% | 2,321 |
| Earnings coverage of net charge-offs (x) | 12.8056% | 1,479 |
| Efficiency ratio | 69.0430% | 4,469 |
| Assets per employee ($millions) | 2.9204% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 7,013 |
| Loan loss allowance to noncurrent loans | 49.8603% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.9486% | 3,375 |
| Noncurrent loans to loans | 1.4957% | 4,226 |
| Net loans and leases to total assets | 75.6703% | 1,076 |
| Net loans and leases to deposits | 82.8250% | 2,210 |
| Net loans and leases to core deposits | 90.3014% | 2,314 |
| Total domestic deposits to total assets | 91.3616% | 461 |
| Equity capital to assets | 8.4433% | 5,993 |
| Core capital (leverage) ratio | 7.9814% | 6,277 |
| Tier 1 risk-based capital ratio | 10.6198% | 6,739 |
| Total risk-based capital ratio | 11.3840% | 6,958 |
| Memoranda: | ||
| Average total assets | $125,654,000 | 4,345 |
| Average earning assets | $111,578,500 | 4,415 |
| Average equity | $10,446,000 | 4,932 |
| Average total loans | $95,899,000 | 3,836 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7393% | 222 |
| Cost of funding earning assets | 1.7456% | 1,397 |
| Net interest margin | 4.9937% | 434 |
| Noninterest income to average assets | 0.8383% | 2,106 |
| Noninterest expense to average assets | 3.7423% | 1,602 |
| Loan and lease loss provision to assets | 0.3062% | 4,354 |
| Net operating income to assets | 0.8620% | 2,544 |
| Return on assets (ROA) | 0.8626% | 2,684 |
| Pretax return on assets | 1.2399% | 2,105 |
| Return on Equity (ROE) | 10.3431% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.6645% | 1,096 |
| Net charge-offs to loans | 0.4102% | 3,987 |
| Credit loss provision to net charge-offs | 92.8934% | 4,995 |
| Earnings coverage of net charge-offs (x) | 4.6878% | 2,844 |
| Efficiency ratio | 69.3354% | 4,308 |
| Assets per employee ($millions) | 2.9239% | 6,262 |
| Cash dividends to net income (ytd only)* | 25.8972% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7371% | 7,074 |
| Loan loss allowance to noncurrent loans | 44.3609% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 2.0234% | 3,323 |
| Noncurrent loans to loans | 1.6615% | 4,010 |
| Net loans and leases to total assets | 75.8377% | 1,310 |
| Net loans and leases to deposits | 82.7519% | 2,671 |
| Net loans and leases to core deposits | 90.6188% | 2,678 |
| Total domestic deposits to total assets | 91.6447% | 359 |
| Equity capital to assets | 8.1835% | 6,278 |
| Core capital (leverage) ratio | 7.8316% | 6,402 |
| Tier 1 risk-based capital ratio | 10.1646% | 6,897 |
| Total risk-based capital ratio | 10.9146% | 7,093 |
| Memoranda: | ||
| Average total assets | $119,526,600 | 4,491 |
| Average earning assets | $106,494,200 | 4,548 |
| Average equity | $9,968,000 | 5,146 |
| Average total loans | $96,044,200 | 3,897 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8009% | 202 |
| Cost of funding earning assets | 1.7853% | 1,479 |
| Net interest margin | 5.0156% | 428 |
| Noninterest income to average assets | 0.8906% | 1,830 |
| Noninterest expense to average assets | 3.7329% | 1,505 |
| Loan and lease loss provision to assets | 0.3051% | 4,135 |
| Net operating income to assets | 0.9327% | 2,489 |
| Return on assets (ROA) | 0.9335% | 2,614 |
| Pretax return on assets | 1.3336% | 2,080 |
| Return on Equity (ROE) | 11.1381% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.3311% | 950 |
| Net charge-offs to loans | 0.4581% | 3,459 |
| Credit loss provision to net charge-offs | 81.8182% | 5,080 |
| Earnings coverage of net charge-offs (x) | 4.3909% | 3,070 |
| Efficiency ratio | 68.0345% | 4,459 |
| Assets per employee ($millions) | 2.8086% | 6,568 |
| Cash dividends to net income (ytd only)* | 16.2225% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 7,186 |
| Loan loss allowance to noncurrent loans | 49.9630% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 2.2166% | 3,176 |
| Noncurrent loans to loans | 1.4176% | 4,490 |
| Net loans and leases to total assets | 78.4678% | 960 |
| Net loans and leases to deposits | 86.0013% | 2,343 |
| Net loans and leases to core deposits | 93.8165% | 2,547 |
| Total domestic deposits to total assets | 91.2402% | 370 |
| Equity capital to assets | 8.4931% | 6,282 |
| Core capital (leverage) ratio | 8.1102% | 6,182 |
| Tier 1 risk-based capital ratio | 10.5625% | 6,736 |
| Total risk-based capital ratio | 11.3139% | 7,010 |
| Memoranda: | ||
| Average total assets | $117,976,000 | 4,582 |
| Average earning assets | $105,375,250 | 4,629 |
| Average equity | $9,887,750 | 5,229 |
| Average total loans | $96,040,750 | 3,967 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8755% | 185 |
| Cost of funding earning assets | 1.8466% | 1,448 |
| Net interest margin | 5.0289% | 397 |
| Noninterest income to average assets | 0.8219% | 2,008 |
| Noninterest expense to average assets | 3.8618% | 1,243 |
| Loan and lease loss provision to assets | 0.2102% | 4,776 |
| Net operating income to assets | 0.8634% | 2,678 |
| Return on assets (ROA) | 0.8646% | 2,812 |
| Pretax return on assets | 1.2423% | 2,282 |
| Return on Equity (ROE) | 10.3639% | 1,977 |
| Retained earnings to average equity (ytd only) | 7.6193% | 1,589 |
| Net charge-offs to loans | 0.4302% | 3,274 |
| Credit loss provision to net charge-offs | 59.4203% | 5,217 |
| Earnings coverage of net charge-offs (x) | 4.1014% | 3,052 |
| Efficiency ratio | 71.1483% | 3,963 |
| Assets per employee ($millions) | 2.6546% | 6,853 |
| Cash dividends to net income (ytd only)* | 26.4822% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 7,285 |
| Loan loss allowance to noncurrent loans | 45.5307% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.3125% | 3,118 |
| Noncurrent loans to loans | 1.4961% | 4,458 |
| Net loans and leases to total assets | 81.3880% | 617 |
| Net loans and leases to deposits | 89.1789% | 1,978 |
| Net loans and leases to core deposits | 95.7302% | 2,474 |
| Total domestic deposits to total assets | 91.2638% | 395 |
| Equity capital to assets | 8.5128% | 6,150 |
| Core capital (leverage) ratio | 7.8827% | 6,404 |
| Tier 1 risk-based capital ratio | 10.2030% | 6,913 |
| Total risk-based capital ratio | 10.9292% | 7,183 |
| Memoranda: | ||
| Average total assets | $117,045,330 | 4,637 |
| Average earning assets | $104,515,330 | 4,680 |
| Average equity | $9,764,670 | 5,266 |
| Average total loans | $96,241,000 | 4,011 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7855% | 226 |
| Cost of funding earning assets | 1.8610% | 1,610 |
| Net interest margin | 4.9246% | 492 |
| Noninterest income to average assets | 0.7647% | 2,208 |
| Noninterest expense to average assets | 3.6939% | 1,532 |
| Loan and lease loss provision to assets | 0.1570% | 4,963 |
| Net operating income to assets | 0.9286% | 2,432 |
| Return on assets (ROA) | 0.9286% | 2,498 |
| Pretax return on assets | 1.3314% | 1,963 |
| Return on Equity (ROE) | 11.2449% | 1,706 |
| Retained earnings to average equity (ytd only) | 11.2449% | 871 |
| Net charge-offs to loans | 0.0746% | 4,668 |
| Credit loss provision to net charge-offs | 255.5556% | 1,517 |
| Earnings coverage of net charge-offs (x) | 24.2222% | 1,028 |
| Efficiency ratio | 69.4993% | 4,410 |
| Assets per employee ($millions) | 2.6375% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 7,133 |
| Loan loss allowance to noncurrent loans | 46.3311% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.5489% | 2,847 |
| Noncurrent loans to loans | 1.7220% | 4,160 |
| Net loans and leases to total assets | 81.8570% | 610 |
| Net loans and leases to deposits | 89.6391% | 1,960 |
| Net loans and leases to core deposits | 95.6204% | 2,627 |
| Total domestic deposits to total assets | 91.3184% | 435 |
| Equity capital to assets | 8.4627% | 6,057 |
| Core capital (leverage) ratio | 7.8094% | 6,489 |
| Tier 1 risk-based capital ratio | 10.2346% | 6,863 |
| Total risk-based capital ratio | 11.0994% | 7,121 |
| Memoranda: | ||
| Average total assets | $117,167,500 | 4,688 |
| Average earning assets | $105,106,000 | 4,734 |
| Average equity | $9,675,500 | 5,327 |
| Average total loans | $96,504,500 | 4,062 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9779% | 292 |
| Cost of funding earning assets | 2.2108% | 1,983 |
| Net interest margin | 4.7672% | 744 |
| Noninterest income to average assets | 0.9138% | 1,891 |
| Noninterest expense to average assets | 3.8955% | 1,514 |
| Loan and lease loss provision to assets | 0.2608% | 5,320 |
| Net operating income to assets | 0.7245% | 2,833 |
| Return on assets (ROA) | 0.7213% | 2,921 |
| Pretax return on assets | 0.9865% | 2,637 |
| Return on Equity (ROE) | 8.7221% | 2,112 |
| Retained earnings to average equity (ytd only) | 5.8576% | 1,407 |
| Net charge-offs to loans | 0.6478% | 3,247 |
| Credit loss provision to net charge-offs | 49.8305% | 6,748 |
| Earnings coverage of net charge-offs (x) | 2.3915% | 3,941 |
| Efficiency ratio | 74.1124% | 3,874 |
| Assets per employee ($millions) | 2.7508% | 6,755 |
| Cash dividends to net income (ytd only)* | 32.8413% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 7,242 |
| Loan loss allowance to noncurrent loans | 35.7803% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 2.6808% | 2,618 |
| Noncurrent loans to loans | 2.1152% | 3,496 |
| Net loans and leases to total assets | 81.5945% | 748 |
| Net loans and leases to deposits | 90.6294% | 2,119 |
| Net loans and leases to core deposits | 111.2117% | 2,770 |
| Total domestic deposits to total assets | 90.0309% | 942 |
| Equity capital to assets | 8.0568% | 6,518 |
| Core capital (leverage) ratio | 7.6348% | 6,639 |
| Tier 1 risk-based capital ratio | 9.6505% | 7,126 |
| Total risk-based capital ratio | 10.4627% | 7,369 |
| Memoranda: | ||
| Average total assets | $112,720,800 | 4,764 |
| Average earning assets | $100,101,200 | 4,843 |
| Average equity | $9,321,200 | 5,498 |
| Average total loans | $91,081,000 | 4,186 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0285% | 288 |
| Cost of funding earning assets | 2.2879% | 2,028 |
| Net interest margin | 4.7406% | 774 |
| Noninterest income to average assets | 0.8898% | 2,027 |
| Noninterest expense to average assets | 3.8851% | 1,450 |
| Loan and lease loss provision to assets | 0.1293% | 6,058 |
| Net operating income to assets | 0.7671% | 2,952 |
| Return on assets (ROA) | 0.7629% | 3,034 |
| Pretax return on assets | 1.0731% | 2,661 |
| Return on Equity (ROE) | 9.1629% | 2,203 |
| Retained earnings to average equity (ytd only) | 7.2354% | 1,421 |
| Net charge-offs to loans | 0.2100% | 4,723 |
| Credit loss provision to net charge-offs | 76.5957% | 5,849 |
| Earnings coverage of net charge-offs (x) | 7.1559% | 2,462 |
| Efficiency ratio | 74.9589% | 3,698 |
| Assets per employee ($millions) | 2.7062% | 6,838 |
| Cash dividends to net income (ytd only)* | 21.0359% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 6,058 |
| Loan loss allowance to noncurrent loans | 46.0369% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 2.6341% | 2,640 |
| Noncurrent loans to loans | 2.2613% | 3,313 |
| Net loans and leases to total assets | 83.5511% | 601 |
| Net loans and leases to deposits | 93.7528% | 1,921 |
| Net loans and leases to core deposits | 115.1105% | 2,713 |
| Total domestic deposits to total assets | 89.1185% | 1,144 |
| Equity capital to assets | 8.3731% | 6,414 |
| Core capital (leverage) ratio | 7.7250% | 6,698 |
| Tier 1 risk-based capital ratio | 9.7572% | 7,181 |
| Total risk-based capital ratio | 10.8818% | 7,246 |
| Memoranda: | ||
| Average total assets | $111,329,750 | 4,818 |
| Average earning assets | $98,720,000 | 4,899 |
| Average equity | $9,269,000 | 5,567 |
| Average total loans | $89,538,750 | 4,264 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9376% | 356 |
| Cost of funding earning assets | 2.3487% | 2,163 |
| Net interest margin | 4.5890% | 982 |
| Noninterest income to average assets | 0.8738% | 2,085 |
| Noninterest expense to average assets | 3.9022% | 1,480 |
| Loan and lease loss provision to assets | 0.1303% | 5,795 |
| Net operating income to assets | 0.6487% | 3,471 |
| Return on assets (ROA) | 0.6422% | 3,598 |
| Pretax return on assets | 0.8937% | 3,363 |
| Return on Equity (ROE) | 7.7289% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.7289% | 1,303 |
| Net charge-offs to loans | 0.2746% | 3,821 |
| Credit loss provision to net charge-offs | 60.0000% | 5,589 |
| Earnings coverage of net charge-offs (x) | 4.7583% | 3,013 |
| Efficiency ratio | 77.6760% | 3,395 |
| Assets per employee ($millions) | 2.7895% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 5,759 |
| Loan loss allowance to noncurrent loans | 65.6438% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.9359% | 3,294 |
| Noncurrent loans to loans | 1.6351% | 4,044 |
| Net loans and leases to total assets | 77.4107% | 1,875 |
| Net loans and leases to deposits | 84.4071% | 3,809 |
| Net loans and leases to core deposits | 103.6208% | 4,103 |
| Total domestic deposits to total assets | 91.7111% | 269 |
| Equity capital to assets | 7.9825% | 6,774 |
| Core capital (leverage) ratio | 7.5777% | 6,927 |
| Tier 1 risk-based capital ratio | 9.5338% | 7,359 |
| Total risk-based capital ratio | 10.6373% | 7,455 |
| Memoranda: | ||
| Average total assets | $110,552,670 | 4,871 |
| Average earning assets | $97,843,330 | 4,955 |
| Average equity | $9,186,330 | 5,615 |
| Average total loans | $87,397,000 | 4,346 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0127% | 326 |
| Cost of funding earning assets | 2.4223% | 2,197 |
| Net interest margin | 4.5904% | 953 |
| Noninterest income to average assets | 0.8354% | 2,150 |
| Noninterest expense to average assets | 3.8489% | 1,384 |
| Loan and lease loss provision to assets | 0.1343% | 5,240 |
| Net operating income to assets | 0.7056% | 3,525 |
| Return on assets (ROA) | 0.6862% | 3,809 |
| Pretax return on assets | 0.9324% | 3,597 |
| Return on Equity (ROE) | 8.0848% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.0848% | 1,778 |
| Net charge-offs to loans | 0.1595% | 3,689 |
| Credit loss provision to net charge-offs | 105.8824% | 3,593 |
| Earnings coverage of net charge-offs (x) | 8.6176% | 2,163 |
| Efficiency ratio | 77.0566% | 3,323 |
| Assets per employee ($millions) | 2.6469% | 6,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 4,852 |
| Loan loss allowance to noncurrent loans | 79.2337% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.8737% | 3,104 |
| Noncurrent loans to loans | 1.5064% | 4,028 |
| Net loans and leases to total assets | 76.9961% | 2,042 |
| Net loans and leases to deposits | 84.1717% | 3,956 |
| Net loans and leases to core deposits | 103.5745% | 4,181 |
| Total domestic deposits to total assets | 91.4751% | 281 |
| Equity capital to assets | 8.2659% | 6,434 |
| Core capital (leverage) ratio | 8.1046% | 6,281 |
| Tier 1 risk-based capital ratio | 10.2262% | 6,685 |
| Total risk-based capital ratio | 11.4762% | 6,601 |
| Memoranda: | ||
| Average total assets | $107,250,500 | 4,976 |
| Average earning assets | $95,940,000 | 5,026 |
| Average equity | $9,103,500 | 5,668 |
| Average total loans | $85,257,500 | 4,449 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3767% | 518 |
| Cost of funding earning assets | 2.5794% | 3,800 |
| Net interest margin | 4.7973% | 784 |
| Noninterest income to average assets | 1.1440% | 1,182 |
| Noninterest expense to average assets | 4.1377% | 1,218 |
| Loan and lease loss provision to assets | 0.1461% | 5,489 |
| Net operating income to assets | 0.8297% | 3,309 |
| Return on assets (ROA) | 0.8392% | 3,109 |
| Pretax return on assets | 1.1952% | 2,659 |
| Return on Equity (ROE) | 9.8188% | 2,325 |
| Retained earnings to average equity (ytd only) | 0.7572% | 4,774 |
| Net charge-offs to loans | 0.3297% | 3,198 |
| Credit loss provision to net charge-offs | 55.3360% | 6,285 |
| Earnings coverage of net charge-offs (x) | 5.0277% | 3,778 |
| Efficiency ratio | 73.3384% | 3,684 |
| Assets per employee ($millions) | 2.4031% | 7,395 |
| Cash dividends to net income (ytd only)* | 92.2886% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 4,309 |
| Loan loss allowance to noncurrent loans | 68.8459% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.1416% | 2,294 |
| Noncurrent loans to loans | 1.7869% | 3,081 |
| Net loans and leases to total assets | 80.1815% | 1,616 |
| Net loans and leases to deposits | 88.0929% | 3,792 |
| Net loans and leases to core deposits | 105.5048% | 4,242 |
| Total domestic deposits to total assets | 91.0193% | 323 |
| Equity capital to assets | 8.7271% | 5,768 |
| Core capital (leverage) ratio | 7.9224% | 6,615 |
| Tier 1 risk-based capital ratio | 10.4750% | 6,230 |
| Total risk-based capital ratio | 11.7263% | 6,112 |
| Memoranda: | ||
| Average total assets | $95,803,000 | 5,177 |
| Average earning assets | $86,298,200 | 5,220 |
| Average equity | $8,188,400 | 6,005 |
| Average total loans | $76,728,400 | 4,624 |