Home > The Vernon Bank > Performance and Condition Ratios
The Vernon Bank, Performance and Condition Ratios
| 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 | 5.0856% | 525 |
| Cost of funding earning assets | 0.2198% | 5,256 |
| Net interest margin | 4.8658% | 320 |
| Noninterest income to average assets | 0.8691% | 1,544 |
| Noninterest expense to average assets | 3.8800% | 787 |
| Loan and lease loss provision to assets | 0.2018% | 967 |
| Net operating income to assets | 1.2545% | 1,447 |
| Return on assets (ROA) | 1.2545% | 1,504 |
| Pretax return on assets | 1.2545% | 2,529 |
| Return on Equity (ROE) | 12.4850% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.0494% | 2,217 |
| Net charge-offs to loans | 0.8381% | 247 |
| Credit loss provision to net charge-offs | 32.7731% | 2,898 |
| Earnings coverage of net charge-offs (x) | 2.3655% | 3,355 |
| Efficiency ratio | 72.7096% | 2,896 |
| Assets per employee ($millions) | 3.5604% | 4,699 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 5,423 |
| Loan loss allowance to noncurrent loans | 1,160.9756% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 4,044 |
| Noncurrent loans to loans | 0.0743% | 5,433 |
| Net loans and leases to total assets | 73.1316% | 1,798 |
| Net loans and leases to deposits | 81.7043% | 2,597 |
| Net loans and leases to core deposits | 88.5791% | 2,501 |
| Total domestic deposits to total assets | 89.5075% | 899 |
| Equity capital to assets | 10.3975% | 3,564 |
| Core capital (leverage) ratio | 9.8941% | 3,746 |
| Tier 1 risk-based capital ratio | 16.2499% | 2,735 |
| Total risk-based capital ratio | 17.2621% | 2,813 |
| Memoranda: | ||
| Average total assets | $77,319,000 | 5,030 |
| Average earning assets | $70,985,330 | 5,022 |
| Average equity | $7,769,330 | 5,205 |
| Average total loans | $56,798,330 | 4,548 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 529 |
| Cost of funding earning assets | 0.2144% | 5,368 |
| Net interest margin | 4.8331% | 328 |
| Noninterest income to average assets | 0.9008% | 1,383 |
| Noninterest expense to average assets | 3.7458% | 938 |
| Loan and lease loss provision to assets | 0.2392% | 711 |
| Net operating income to assets | 1.3894% | 1,048 |
| Return on assets (ROA) | 1.3894% | 1,102 |
| Pretax return on assets | 1.3894% | 1,927 |
| Return on Equity (ROE) | 14.0595% | 868 |
| Retained earnings to average equity (ytd only) | 14.0595% | 358 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6970% | 3,542 |
| Assets per employee ($millions) | 3.5735% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 3,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 4,440 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.2759% | 1,933 |
| Net loans and leases to deposits | 79.4597% | 2,624 |
| Net loans and leases to core deposits | 86.4431% | 2,502 |
| Total domestic deposits to total assets | 89.7007% | 903 |
| Equity capital to assets | 10.0843% | 4,043 |
| Core capital (leverage) ratio | 9.6015% | 4,149 |
| Tier 1 risk-based capital ratio | 15.3415% | 3,237 |
| Total risk-based capital ratio | 16.5923% | 3,165 |
| Memoranda: | ||
| Average total assets | $78,594,500 | 5,054 |
| Average earning assets | $72,748,000 | 5,035 |
| Average equity | $7,767,000 | 5,251 |
| Average total loans | $57,620,000 | 4,558 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2182% | 503 |
| Cost of funding earning assets | 0.2279% | 5,538 |
| Net interest margin | 4.9902% | 308 |
| Noninterest income to average assets | 0.9918% | 1,232 |
| Noninterest expense to average assets | 3.8113% | 975 |
| Loan and lease loss provision to assets | 0.3440% | 563 |
| Net operating income to assets | 1.4409% | 998 |
| Return on assets (ROA) | 1.4422% | 1,027 |
| Pretax return on assets | 1.4422% | 1,744 |
| Return on Equity (ROE) | 15.3546% | 719 |
| Retained earnings to average equity (ytd only) | 7.0623% | 1,379 |
| Net charge-offs to loans | 0.2852% | 1,523 |
| Credit loss provision to net charge-offs | 169.8718% | 1,434 |
| Earnings coverage of net charge-offs (x) | 8.8141% | 2,827 |
| Efficiency ratio | 68.1048% | 3,885 |
| Assets per employee ($millions) | 3.5715% | 4,774 |
| Cash dividends to net income (ytd only)* | 54.0054% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 4,503 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.6726% | 1,644 |
| Net loans and leases to deposits | 81.6457% | 2,523 |
| Net loans and leases to core deposits | 89.4559% | 2,336 |
| Total domestic deposits to total assets | 90.2344% | 639 |
| Equity capital to assets | 9.6803% | 4,493 |
| Core capital (leverage) ratio | 9.3550% | 4,458 |
| Tier 1 risk-based capital ratio | 14.4691% | 3,795 |
| Total risk-based capital ratio | 15.7114% | 3,737 |
| Memoranda: | ||
| Average total assets | $77,033,200 | 5,128 |
| Average earning assets | $71,078,800 | 5,099 |
| Average equity | $7,235,600 | 5,368 |
| Average total loans | $54,701,400 | 4,663 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 513 |
| Cost of funding earning assets | 0.2284% | 5,604 |
| Net interest margin | 4.9782% | 312 |
| Noninterest income to average assets | 1.0141% | 1,190 |
| Noninterest expense to average assets | 3.8426% | 916 |
| Loan and lease loss provision to assets | 0.3305% | 552 |
| Net operating income to assets | 1.4281% | 1,075 |
| Return on assets (ROA) | 1.4299% | 1,108 |
| Pretax return on assets | 1.4299% | 1,887 |
| Return on Equity (ROE) | 15.3433% | 764 |
| Retained earnings to average equity (ytd only) | 10.2103% | 655 |
| Net charge-offs to loans | 0.2878% | 1,368 |
| Credit loss provision to net charge-offs | 163.7931% | 1,490 |
| Earnings coverage of net charge-offs (x) | 8.7157% | 2,759 |
| Efficiency ratio | 68.6025% | 3,746 |
| Assets per employee ($millions) | 3.5970% | 4,683 |
| Cash dividends to net income (ytd only)* | 33.4553% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 4,954 |
| Loan loss allowance to noncurrent loans | 60,100.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 4,599 |
| Noncurrent loans to loans | 0.0018% | 6,051 |
| Net loans and leases to total assets | 71.0782% | 2,013 |
| Net loans and leases to deposits | 79.0474% | 2,833 |
| Net loans and leases to core deposits | 86.5778% | 2,604 |
| Total domestic deposits to total assets | 89.9184% | 777 |
| Equity capital to assets | 9.5926% | 4,679 |
| Core capital (leverage) ratio | 9.4607% | 4,426 |
| Tier 1 risk-based capital ratio | 14.6576% | 3,782 |
| Total risk-based capital ratio | 15.8412% | 3,761 |
| Memoranda: | ||
| Average total assets | $76,648,500 | 5,194 |
| Average earning assets | $70,626,750 | 5,163 |
| Average equity | $7,143,000 | 5,434 |
| Average total loans | $53,746,250 | 4,739 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 506 |
| Cost of funding earning assets | 0.2289% | 5,671 |
| Net interest margin | 4.9749% | 296 |
| Noninterest income to average assets | 1.0604% | 1,058 |
| Noninterest expense to average assets | 3.8671% | 886 |
| Loan and lease loss provision to assets | 0.3139% | 611 |
| Net operating income to assets | 1.4666% | 935 |
| Return on assets (ROA) | 1.4693% | 966 |
| Pretax return on assets | 1.4693% | 1,638 |
| Return on Equity (ROE) | 15.9287% | 664 |
| Retained earnings to average equity (ytd only) | 8.0644% | 1,304 |
| Net charge-offs to loans | 0.4060% | 1,001 |
| Credit loss provision to net charge-offs | 111.2150% | 1,800 |
| Earnings coverage of net charge-offs (x) | 6.3084% | 2,792 |
| Efficiency ratio | 68.4727% | 3,921 |
| Assets per employee ($millions) | 3.3356% | 5,186 |
| Cash dividends to net income (ytd only)* | 49.3716% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 5,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 4,651 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 71.1610% | 1,893 |
| Net loans and leases to deposits | 78.9079% | 2,674 |
| Net loans and leases to core deposits | 86.6558% | 2,455 |
| Total domestic deposits to total assets | 90.1824% | 716 |
| Equity capital to assets | 9.4514% | 4,788 |
| Core capital (leverage) ratio | 9.1653% | 4,796 |
| Tier 1 risk-based capital ratio | 14.4624% | 3,953 |
| Total risk-based capital ratio | 15.5484% | 4,000 |
| Memoranda: | ||
| Average total assets | $75,820,000 | 5,258 |
| Average earning assets | $69,911,330 | 5,224 |
| Average equity | $6,993,670 | 5,492 |
| Average total loans | $52,712,330 | 4,803 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 514 |
| Cost of funding earning assets | 0.2254% | 5,792 |
| Net interest margin | 4.9480% | 301 |
| Noninterest income to average assets | 1.0243% | 1,072 |
| Noninterest expense to average assets | 3.8795% | 884 |
| Loan and lease loss provision to assets | 0.2654% | 787 |
| Net operating income to assets | 1.4223% | 947 |
| Return on assets (ROA) | 1.4223% | 989 |
| Pretax return on assets | 1.4223% | 1,672 |
| Return on Equity (ROE) | 15.6154% | 689 |
| Retained earnings to average equity (ytd only) | 6.8755% | 2,100 |
| Net charge-offs to loans | 0.1864% | 1,608 |
| Credit loss provision to net charge-offs | 208.3333% | 1,003 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,674 |
| Efficiency ratio | 69.6854% | 3,881 |
| Assets per employee ($millions) | 3.3303% | 5,291 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 5,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 4,136 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 67.7912% | 2,259 |
| Net loans and leases to deposits | 74.7632% | 2,977 |
| Net loans and leases to core deposits | 82.0718% | 2,729 |
| Total domestic deposits to total assets | 90.6746% | 696 |
| Equity capital to assets | 9.1165% | 4,982 |
| Core capital (leverage) ratio | 9.1244% | 4,829 |
| Tier 1 risk-based capital ratio | 14.6638% | 3,910 |
| Total risk-based capital ratio | 15.8200% | 3,917 |
| Memoranda: | ||
| Average total assets | $75,370,500 | 5,314 |
| Average earning assets | $69,199,000 | 5,288 |
| Average equity | $6,865,000 | 5,552 |
| Average total loans | $51,502,000 | 4,882 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 773 |
| Cost of funding earning assets | 0.2901% | 5,674 |
| Net interest margin | 4.8006% | 430 |
| Noninterest income to average assets | 0.9814% | 1,437 |
| Noninterest expense to average assets | 3.7644% | 1,194 |
| Loan and lease loss provision to assets | 0.3170% | 1,044 |
| Net operating income to assets | 1.3367% | 1,164 |
| Return on assets (ROA) | 1.3367% | 1,205 |
| Pretax return on assets | 1.3367% | 2,023 |
| Return on Equity (ROE) | 14.4617% | 856 |
| Retained earnings to average equity (ytd only) | 3.0295% | 4,081 |
| Net charge-offs to loans | 0.5892% | 1,121 |
| Credit loss provision to net charge-offs | 82.7586% | 2,963 |
| Earnings coverage of net charge-offs (x) | 4.3172% | 3,602 |
| Efficiency ratio | 69.4783% | 3,922 |
| Assets per employee ($millions) | 3.3702% | 5,158 |
| Cash dividends to net income (ytd only)* | 79.0514% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 5,364 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 4,088 |
| Noncurrent loans to loans | 0.3701% | 5,077 |
| Net loans and leases to total assets | 67.4336% | 2,449 |
| Net loans and leases to deposits | 74.2736% | 3,222 |
| Net loans and leases to core deposits | 83.8597% | 2,691 |
| Total domestic deposits to total assets | 90.7909% | 664 |
| Equity capital to assets | 9.0999% | 4,925 |
| Core capital (leverage) ratio | 9.1335% | 4,806 |
| Tier 1 risk-based capital ratio | 14.8731% | 3,738 |
| Total risk-based capital ratio | 16.0098% | 3,751 |
| Memoranda: | ||
| Average total assets | $75,709,600 | 5,333 |
| Average earning assets | $69,970,400 | 5,314 |
| Average equity | $6,997,800 | 5,568 |
| Average total loans | $49,219,600 | 4,997 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0649% | 825 |
| Cost of funding earning assets | 0.3124% | 5,619 |
| Net interest margin | 4.7524% | 467 |
| Noninterest income to average assets | 0.9548% | 1,596 |
| Noninterest expense to average assets | 3.8492% | 1,027 |
| Loan and lease loss provision to assets | 0.2576% | 1,382 |
| Net operating income to assets | 1.2457% | 1,495 |
| Return on assets (ROA) | 1.2457% | 1,566 |
| Pretax return on assets | 1.2457% | 2,526 |
| Return on Equity (ROE) | 13.4265% | 1,132 |
| Retained earnings to average equity (ytd only) | 8.7055% | 1,158 |
| Net charge-offs to loans | 0.1527% | 3,018 |
| Credit loss provision to net charge-offs | 262.5000% | 956 |
| Earnings coverage of net charge-offs (x) | 15.3224% | 1,874 |
| Efficiency ratio | 71.9149% | 3,418 |
| Assets per employee ($millions) | 3.3684% | 5,133 |
| Cash dividends to net income (ytd only)* | 35.1621% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 4,131 |
| Loan loss allowance to noncurrent loans | 125.5639% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 3,224 |
| Noncurrent loans to loans | 1.0755% | 3,648 |
| Net loans and leases to total assets | 65.8471% | 2,668 |
| Net loans and leases to deposits | 73.1081% | 3,378 |
| Net loans and leases to core deposits | 83.0203% | 2,760 |
| Total domestic deposits to total assets | 90.0681% | 955 |
| Equity capital to assets | 9.4299% | 4,636 |
| Core capital (leverage) ratio | 9.3785% | 4,564 |
| Tier 1 risk-based capital ratio | 15.4624% | 3,489 |
| Total risk-based capital ratio | 16.7154% | 3,442 |
| Memoranda: | ||
| Average total assets | $76,101,000 | 5,383 |
| Average earning assets | $70,418,250 | 5,357 |
| Average equity | $7,060,500 | 5,618 |
| Average total loans | $48,893,250 | 5,050 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 896 |
| Cost of funding earning assets | 0.3522% | 5,387 |
| Net interest margin | 4.6572% | 549 |
| Noninterest income to average assets | 0.9431% | 1,682 |
| Noninterest expense to average assets | 3.8845% | 998 |
| Loan and lease loss provision to assets | 0.2579% | 1,436 |
| Net operating income to assets | 1.1073% | 1,904 |
| Return on assets (ROA) | 1.1073% | 2,020 |
| Pretax return on assets | 1.1073% | 3,067 |
| Return on Equity (ROE) | 11.9977% | 1,490 |
| Retained earnings to average equity (ytd only) | 9.1747% | 1,066 |
| Net charge-offs to loans | 0.0041% | 4,832 |
| Credit loss provision to net charge-offs | 9,900.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 524.0000% | 83 |
| Efficiency ratio | 73.9950% | 3,132 |
| Assets per employee ($millions) | 3.2835% | 5,303 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 4,220 |
| Loan loss allowance to noncurrent loans | 6,136.3636% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 5,694 |
| Noncurrent loans to loans | 0.0221% | 6,350 |
| Net loans and leases to total assets | 64.9033% | 2,771 |
| Net loans and leases to deposits | 71.8821% | 3,465 |
| Net loans and leases to core deposits | 81.3851% | 2,873 |
| Total domestic deposits to total assets | 90.2913% | 866 |
| Equity capital to assets | 9.3644% | 4,764 |
| Core capital (leverage) ratio | 8.9577% | 5,069 |
| Tier 1 risk-based capital ratio | 15.1155% | 3,699 |
| Total risk-based capital ratio | 16.3687% | 3,665 |
| Memoranda: | ||
| Average total assets | $76,766,330 | 5,396 |
| Average earning assets | $70,986,330 | 5,365 |
| Average equity | $7,084,670 | 5,665 |
| Average total loans | $48,703,000 | 5,077 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 997 |
| Cost of funding earning assets | 0.3857% | 5,234 |
| Net interest margin | 4.5507% | 624 |
| Noninterest income to average assets | 0.9459% | 1,626 |
| Noninterest expense to average assets | 3.7111% | 1,232 |
| Loan and lease loss provision to assets | 0.2533% | 1,413 |
| Net operating income to assets | 1.1888% | 1,559 |
| Return on assets (ROA) | 1.1888% | 1,670 |
| Pretax return on assets | 1.1888% | 2,617 |
| Return on Equity (ROE) | 12.9742% | 1,180 |
| Retained earnings to average equity (ytd only) | 12.9742% | 566 |
| Net charge-offs to loans | 0.0166% | 3,825 |
| Credit loss provision to net charge-offs | 2,450.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 281 |
| Efficiency ratio | 72.0160% | 3,610 |
| Assets per employee ($millions) | 3.2806% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,727 |
| Loan loss allowance to noncurrent loans | 3,120.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 5,763 |
| Noncurrent loans to loans | 0.0415% | 6,359 |
| Net loans and leases to total assets | 60.4166% | 3,360 |
| Net loans and leases to deposits | 69.5565% | 3,562 |
| Net loans and leases to core deposits | 78.7201% | 2,968 |
| Total domestic deposits to total assets | 86.8597% | 3,041 |
| Equity capital to assets | 9.1255% | 5,342 |
| Core capital (leverage) ratio | 8.9204% | 5,027 |
| Tier 1 risk-based capital ratio | 15.0304% | 3,820 |
| Total risk-based capital ratio | 16.2826% | 3,772 |
| Memoranda: | ||
| Average total assets | $77,389,500 | 5,430 |
| Average earning assets | $71,549,500 | 5,394 |
| Average equity | $7,091,000 | 5,719 |
| Average total loans | $48,209,500 | 5,123 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2437% | 1,031 |
| Cost of funding earning assets | 0.4522% | 5,570 |
| Net interest margin | 4.7915% | 547 |
| Noninterest income to average assets | 1.0077% | 1,514 |
| Noninterest expense to average assets | 3.7381% | 1,344 |
| Loan and lease loss provision to assets | 0.3225% | 2,112 |
| Net operating income to assets | 1.3611% | 1,172 |
| Return on assets (ROA) | 1.3611% | 1,299 |
| Pretax return on assets | 1.3611% | 2,172 |
| Return on Equity (ROE) | 15.1974% | 779 |
| Retained earnings to average equity (ytd only) | 8.4464% | 985 |
| Net charge-offs to loans | 0.5583% | 2,068 |
| Credit loss provision to net charge-offs | 88.2353% | 3,540 |
| Earnings coverage of net charge-offs (x) | 4.6066% | 3,308 |
| Efficiency ratio | 68.9467% | 3,984 |
| Assets per employee ($millions) | 3.1685% | 5,698 |
| Cash dividends to net income (ytd only)* | 44.4225% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,130 |
| Loan loss allowance to noncurrent loans | 5,245.4545% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 5,890 |
| Noncurrent loans to loans | 0.0228% | 6,471 |
| Net loans and leases to total assets | 62.6598% | 3,136 |
| Net loans and leases to deposits | 72.2677% | 3,366 |
| Net loans and leases to core deposits | 80.7473% | 2,912 |
| Total domestic deposits to total assets | 86.7051% | 2,990 |
| Equity capital to assets | 9.2013% | 5,265 |
| Core capital (leverage) ratio | 8.7903% | 5,195 |
| Tier 1 risk-based capital ratio | 15.2427% | 3,586 |
| Total risk-based capital ratio | 16.4926% | 3,531 |
| Memoranda: | ||
| Average total assets | $74,423,400 | 5,497 |
| Average earning assets | $68,559,000 | 5,479 |
| Average equity | $6,665,600 | 5,858 |
| Average total loans | $48,721,000 | 5,153 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3119% | 991 |
| Cost of funding earning assets | 0.4637% | 5,692 |
| Net interest margin | 4.8482% | 524 |
| Noninterest income to average assets | 1.0087% | 1,482 |
| Noninterest expense to average assets | 3.7882% | 1,231 |
| Loan and lease loss provision to assets | 0.3116% | 2,119 |
| Net operating income to assets | 1.3726% | 1,283 |
| Return on assets (ROA) | 1.3726% | 1,420 |
| Pretax return on assets | 1.3726% | 2,331 |
| Return on Equity (ROE) | 15.4338% | 828 |
| Retained earnings to average equity (ytd only) | 8.3448% | 1,467 |
| Net charge-offs to loans | 0.2347% | 3,314 |
| Credit loss provision to net charge-offs | 201.1628% | 1,370 |
| Earnings coverage of net charge-offs (x) | 10.8725% | 2,136 |
| Efficiency ratio | 69.2232% | 3,833 |
| Assets per employee ($millions) | 3.1478% | 5,738 |
| Cash dividends to net income (ytd only)* | 45.9325% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 4,349 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 5,921 |
| Noncurrent loans to loans | 0.0485% | 6,495 |
| Net loans and leases to total assets | 64.6022% | 2,909 |
| Net loans and leases to deposits | 74.8222% | 3,168 |
| Net loans and leases to core deposits | 84.0770% | 2,686 |
| Total domestic deposits to total assets | 86.3410% | 3,063 |
| Equity capital to assets | 9.1546% | 5,645 |
| Core capital (leverage) ratio | 8.8426% | 5,276 |
| Tier 1 risk-based capital ratio | 14.5648% | 4,144 |
| Total risk-based capital ratio | 15.8181% | 4,107 |
| Memoranda: | ||
| Average total assets | $74,018,250 | 5,569 |
| Average earning assets | $68,147,500 | 5,548 |
| Average equity | $6,582,750 | 5,939 |
| Average total loans | $48,844,750 | 5,208 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3374% | 980 |
| Cost of funding earning assets | 0.4790% | 5,763 |
| Net interest margin | 4.8584% | 508 |
| Noninterest income to average assets | 1.0393% | 1,352 |
| Noninterest expense to average assets | 3.8172% | 1,189 |
| Loan and lease loss provision to assets | 0.3292% | 1,998 |
| Net operating income to assets | 1.3631% | 1,274 |
| Return on assets (ROA) | 1.3631% | 1,433 |
| Pretax return on assets | 1.3631% | 2,339 |
| Return on Equity (ROE) | 15.4829% | 857 |
| Retained earnings to average equity (ytd only) | 7.7569% | 1,736 |
| Net charge-offs to loans | 0.1522% | 3,697 |
| Credit loss provision to net charge-offs | 327.0270% | 909 |
| Earnings coverage of net charge-offs (x) | 16.8108% | 1,566 |
| Efficiency ratio | 69.2840% | 3,882 |
| Assets per employee ($millions) | 3.2021% | 5,642 |
| Cash dividends to net income (ytd only)* | 49.9002% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 4,520 |
| Loan loss allowance to noncurrent loans | 247.5000% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 5,779 |
| Noncurrent loans to loans | 0.5592% | 5,393 |
| Net loans and leases to total assets | 67.0410% | 2,454 |
| Net loans and leases to deposits | 77.5849% | 2,737 |
| Net loans and leases to core deposits | 87.4405% | 2,263 |
| Total domestic deposits to total assets | 86.4099% | 3,136 |
| Equity capital to assets | 9.1108% | 5,572 |
| Core capital (leverage) ratio | 8.5665% | 5,565 |
| Tier 1 risk-based capital ratio | 14.0513% | 4,410 |
| Total risk-based capital ratio | 15.3040% | 4,375 |
| Memoranda: | ||
| Average total assets | $73,508,670 | 5,616 |
| Average earning assets | $67,635,670 | 5,600 |
| Average equity | $6,471,670 | 5,991 |
| Average total loans | $48,626,000 | 5,252 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 963 |
| Cost of funding earning assets | 0.5102% | 5,748 |
| Net interest margin | 4.8585% | 497 |
| Noninterest income to average assets | 1.0785% | 1,239 |
| Noninterest expense to average assets | 3.8127% | 1,200 |
| Loan and lease loss provision to assets | 0.3813% | 1,653 |
| Net operating income to assets | 1.3453% | 1,334 |
| Return on assets (ROA) | 1.3453% | 1,493 |
| Pretax return on assets | 1.3453% | 2,374 |
| Return on Equity (ROE) | 15.5529% | 874 |
| Retained earnings to average equity (ytd only) | -0.1889% | 6,026 |
| Net charge-offs to loans | 0.0918% | 3,602 |
| Credit loss provision to net charge-offs | 636.3636% | 538 |
| Earnings coverage of net charge-offs (x) | 28.8182% | 954 |
| Efficiency ratio | 68.8299% | 4,011 |
| Assets per employee ($millions) | 3.0484% | 6,065 |
| Cash dividends to net income (ytd only)* | 101.2146% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,696 |
| Loan loss allowance to noncurrent loans | 4,771.4286% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 6,865 |
| Noncurrent loans to loans | 0.0289% | 6,699 |
| Net loans and leases to total assets | 62.7432% | 3,112 |
| Net loans and leases to deposits | 71.8638% | 3,450 |
| Net loans and leases to core deposits | 80.5471% | 3,005 |
| Total domestic deposits to total assets | 87.3086% | 2,766 |
| Equity capital to assets | 8.3074% | 6,265 |
| Core capital (leverage) ratio | 8.4613% | 5,654 |
| Tier 1 risk-based capital ratio | 13.6580% | 4,710 |
| Total risk-based capital ratio | 14.9106% | 4,692 |
| Memoranda: | ||
| Average total assets | $73,438,500 | 5,668 |
| Average earning assets | $67,428,000 | 5,644 |
| Average equity | $6,352,500 | 6,059 |
| Average total loans | $47,905,000 | 5,305 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 925 |
| Cost of funding earning assets | 0.6292% | 5,928 |
| Net interest margin | 4.9855% | 419 |
| Noninterest income to average assets | 1.1161% | 1,065 |
| Noninterest expense to average assets | 3.9165% | 1,159 |
| Loan and lease loss provision to assets | 0.7206% | 1,420 |
| Net operating income to assets | 1.0715% | 1,917 |
| Return on assets (ROA) | 1.0715% | 2,055 |
| Pretax return on assets | 1.0715% | 2,948 |
| Return on Equity (ROE) | 12.3820% | 1,301 |
| Retained earnings to average equity (ytd only) | 7.3960% | 1,318 |
| Net charge-offs to loans | 0.8391% | 2,066 |
| Credit loss provision to net charge-offs | 129.1237% | 2,376 |
| Earnings coverage of net charge-offs (x) | 3.2113% | 3,615 |
| Efficiency ratio | 68.6067% | 4,232 |
| Assets per employee ($millions) | 2.8267% | 6,418 |
| Cash dividends to net income (ytd only)* | 40.2685% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 4,982 |
| Loan loss allowance to noncurrent loans | 1,602.6316% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 6,641 |
| Noncurrent loans to loans | 0.0803% | 6,610 |
| Net loans and leases to total assets | 66.1077% | 2,762 |
| Net loans and leases to deposits | 76.9726% | 3,010 |
| Net loans and leases to core deposits | 85.3497% | 2,714 |
| Total domestic deposits to total assets | 85.8847% | 3,376 |
| Equity capital to assets | 9.0196% | 5,529 |
| Core capital (leverage) ratio | 8.5547% | 5,474 |
| Tier 1 risk-based capital ratio | 13.7324% | 4,534 |
| Total risk-based capital ratio | 14.9845% | 4,496 |
| Memoranda: | ||
| Average total assets | $69,525,600 | 5,755 |
| Average earning assets | $64,045,800 | 5,732 |
| Average equity | $6,016,800 | 6,154 |
| Average total loans | $46,239,800 | 5,416 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6101% | 1,013 |
| Cost of funding earning assets | 0.6472% | 6,048 |
| Net interest margin | 4.9628% | 448 |
| Noninterest income to average assets | 1.1342% | 1,026 |
| Noninterest expense to average assets | 4.1035% | 896 |
| Loan and lease loss provision to assets | 0.6528% | 1,497 |
| Net operating income to assets | 0.9551% | 2,508 |
| Return on assets (ROA) | 0.9551% | 2,672 |
| Pretax return on assets | 0.9551% | 3,569 |
| Return on Equity (ROE) | 11.1568% | 1,805 |
| Retained earnings to average equity (ytd only) | 8.9075% | 1,177 |
| Net charge-offs to loans | 0.9021% | 1,773 |
| Credit loss provision to net charge-offs | 109.0032% | 3,030 |
| Earnings coverage of net charge-offs (x) | 2.6849% | 3,778 |
| Efficiency ratio | 71.8476% | 3,580 |
| Assets per employee ($millions) | 2.9542% | 6,225 |
| Cash dividends to net income (ytd only)* | 20.1612% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,903 |
| Loan loss allowance to noncurrent loans | 639.0244% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 6,725 |
| Noncurrent loans to loans | 0.1717% | 6,524 |
| Net loans and leases to total assets | 66.6361% | 2,761 |
| Net loans and leases to deposits | 77.8682% | 3,022 |
| Net loans and leases to core deposits | 86.3301% | 2,734 |
| Total domestic deposits to total assets | 85.5755% | 3,455 |
| Equity capital to assets | 8.9154% | 5,845 |
| Core capital (leverage) ratio | 8.6276% | 5,511 |
| Tier 1 risk-based capital ratio | 13.4693% | 4,758 |
| Total risk-based capital ratio | 14.6318% | 4,790 |
| Memoranda: | ||
| Average total assets | $69,240,000 | 5,803 |
| Average earning assets | $63,860,000 | 5,777 |
| Average equity | $5,927,500 | 6,216 |
| Average total loans | $45,968,250 | 5,469 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5999% | 1,070 |
| Cost of funding earning assets | 0.6889% | 6,023 |
| Net interest margin | 4.9109% | 477 |
| Noninterest income to average assets | 1.1909% | 911 |
| Noninterest expense to average assets | 4.2075% | 826 |
| Loan and lease loss provision to assets | 0.7076% | 1,335 |
| Net operating income to assets | 0.8007% | 3,071 |
| Return on assets (ROA) | 0.8007% | 3,195 |
| Pretax return on assets | 0.8007% | 4,025 |
| Return on Equity (ROE) | 9.4888% | 2,313 |
| Retained earnings to average equity (ytd only) | 7.7635% | 1,546 |
| Net charge-offs to loans | 0.4893% | 2,635 |
| Credit loss provision to net charge-offs | 218.9189% | 1,366 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,807 |
| Efficiency ratio | 73.6118% | 3,438 |
| Assets per employee ($millions) | 2.9674% | 6,148 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 4,896 |
| Loan loss allowance to noncurrent loans | 208.6379% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 5,783 |
| Noncurrent loans to loans | 0.6398% | 5,645 |
| Net loans and leases to total assets | 68.0093% | 2,612 |
| Net loans and leases to deposits | 80.1329% | 2,765 |
| Net loans and leases to core deposits | 87.4934% | 2,704 |
| Total domestic deposits to total assets | 84.8706% | 3,935 |
| Equity capital to assets | 8.8189% | 5,797 |
| Core capital (leverage) ratio | 8.4086% | 5,694 |
| Tier 1 risk-based capital ratio | 13.2742% | 4,709 |
| Total risk-based capital ratio | 14.5252% | 4,685 |
| Memoranda: | ||
| Average total assets | $68,686,670 | 5,863 |
| Average earning assets | $63,287,330 | 5,846 |
| Average equity | $5,796,330 | 6,292 |
| Average total loans | $45,368,000 | 5,544 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 1,235 |
| Cost of funding earning assets | 0.7243% | 6,007 |
| Net interest margin | 4.7995% | 573 |
| Noninterest income to average assets | 1.1959% | 896 |
| Noninterest expense to average assets | 4.2552% | 762 |
| Loan and lease loss provision to assets | 0.6095% | 1,409 |
| Net operating income to assets | 0.7547% | 3,248 |
| Return on assets (ROA) | 0.7547% | 3,313 |
| Pretax return on assets | 0.7547% | 4,081 |
| Return on Equity (ROE) | 9.1469% | 2,409 |
| Retained earnings to average equity (ytd only) | 5.6288% | 2,838 |
| Net charge-offs to loans | 1.0240% | 1,330 |
| Credit loss provision to net charge-offs | 92.1053% | 2,900 |
| Earnings coverage of net charge-offs (x) | 2.0614% | 3,264 |
| Efficiency ratio | 75.7231% | 3,201 |
| Assets per employee ($millions) | 2.8117% | 6,513 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 6,097 |
| Loan loss allowance to noncurrent loans | 306.2893% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 6,166 |
| Noncurrent loans to loans | 0.3547% | 6,280 |
| Net loans and leases to total assets | 63.0859% | 3,631 |
| Net loans and leases to deposits | 73.5919% | 3,827 |
| Net loans and leases to core deposits | 80.4342% | 3,679 |
| Total domestic deposits to total assets | 85.7240% | 3,682 |
| Equity capital to assets | 8.2071% | 6,272 |
| Core capital (leverage) ratio | 8.3059% | 5,799 |
| Tier 1 risk-based capital ratio | 13.2648% | 4,606 |
| Total risk-based capital ratio | 14.3871% | 4,701 |
| Memoranda: | ||
| Average total assets | $68,904,500 | 5,901 |
| Average earning assets | $63,506,500 | 5,878 |
| Average equity | $5,685,000 | 6,340 |
| Average total loans | $44,529,500 | 5,633 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6085% | 1,861 |
| Cost of funding earning assets | 0.9177% | 6,093 |
| Net interest margin | 4.6908% | 834 |
| Noninterest income to average assets | 1.3339% | 825 |
| Noninterest expense to average assets | 4.4152% | 707 |
| Loan and lease loss provision to assets | 0.5840% | 2,802 |
| Net operating income to assets | 0.6232% | 3,572 |
| Return on assets (ROA) | 0.6700% | 3,488 |
| Pretax return on assets | 0.6700% | 4,095 |
| Return on Equity (ROE) | 8.1298% | 2,653 |
| Retained earnings to average equity (ytd only) | 6.2988% | 1,664 |
| Net charge-offs to loans | 0.7005% | 2,908 |
| Credit loss provision to net charge-offs | 132.0819% | 2,980 |
| Earnings coverage of net charge-offs (x) | 2.7304% | 3,713 |
| Efficiency ratio | 78.5293% | 2,610 |
| Assets per employee ($millions) | 2.5968% | 6,863 |
| Cash dividends to net income (ytd only)* | 22.5225% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,869 |
| Loan loss allowance to noncurrent loans | 244.3350% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 5,767 |
| Noncurrent loans to loans | 0.4590% | 6,131 |
| Net loans and leases to total assets | 64.7713% | 3,716 |
| Net loans and leases to deposits | 76.9627% | 3,687 |
| Net loans and leases to core deposits | 83.3877% | 3,687 |
| Total domestic deposits to total assets | 84.1593% | 4,292 |
| Equity capital to assets | 8.2958% | 6,151 |
| Core capital (leverage) ratio | 8.3178% | 5,663 |
| Tier 1 risk-based capital ratio | 13.4766% | 4,224 |
| Total risk-based capital ratio | 14.6545% | 4,244 |
| Memoranda: | ||
| Average total assets | $66,270,400 | 5,989 |
| Average earning assets | $60,586,400 | 5,977 |
| Average equity | $5,461,400 | 6,517 |
| Average total loans | $41,825,000 | 5,844 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5950% | 2,082 |
| Cost of funding earning assets | 0.9440% | 6,206 |
| Net interest margin | 4.6511% | 939 |
| Noninterest income to average assets | 1.3543% | 735 |
| Noninterest expense to average assets | 4.3662% | 690 |
| Loan and lease loss provision to assets | 0.6206% | 2,456 |
| Net operating income to assets | 0.6105% | 3,834 |
| Return on assets (ROA) | 0.6731% | 3,693 |
| Pretax return on assets | 0.6731% | 4,333 |
| Return on Equity (ROE) | 8.1819% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.1819% | 1,359 |
| Net charge-offs to loans | 0.6921% | 2,687 |
| Credit loss provision to net charge-offs | 143.4579% | 2,739 |
| Earnings coverage of net charge-offs (x) | 2.8458% | 3,712 |
| Efficiency ratio | 78.0065% | 2,621 |
| Assets per employee ($millions) | 2.6041% | 6,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 5,722 |
| Loan loss allowance to noncurrent loans | 165.0000% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 5,240 |
| Noncurrent loans to loans | 0.6950% | 5,821 |
| Net loans and leases to total assets | 63.0195% | 4,320 |
| Net loans and leases to deposits | 75.2960% | 4,298 |
| Net loans and leases to core deposits | 81.5816% | 4,302 |
| Total domestic deposits to total assets | 83.6957% | 4,274 |
| Equity capital to assets | 8.4350% | 6,351 |
| Core capital (leverage) ratio | 8.3729% | 5,749 |
| Tier 1 risk-based capital ratio | 13.3967% | 4,274 |
| Total risk-based capital ratio | 14.5675% | 4,306 |
| Memoranda: | ||
| Average total assets | $65,959,000 | 6,070 |
| Average earning assets | $60,171,000 | 6,056 |
| Average equity | $5,426,500 | 6,610 |
| Average total loans | $41,224,500 | 5,957 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 2,137 |
| Cost of funding earning assets | 0.9814% | 6,234 |
| Net interest margin | 4.6188% | 957 |
| Noninterest income to average assets | 1.4011% | 647 |
| Noninterest expense to average assets | 4.4083% | 644 |
| Loan and lease loss provision to assets | 0.6730% | 2,147 |
| Net operating income to assets | 0.5384% | 4,149 |
| Return on assets (ROA) | 0.6333% | 3,853 |
| Pretax return on assets | 0.6333% | 4,460 |
| Return on Equity (ROE) | 7.7649% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.7649% | 1,526 |
| Net charge-offs to loans | 0.5865% | 2,771 |
| Credit loss provision to net charge-offs | 184.8739% | 2,131 |
| Earnings coverage of net charge-offs (x) | 3.3277% | 3,365 |
| Efficiency ratio | 78.4431% | 2,656 |
| Assets per employee ($millions) | 2.4223% | 7,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,504 |
| Loan loss allowance to noncurrent loans | 175.2613% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8935% | 5,331 |
| Noncurrent loans to loans | 0.6796% | 5,891 |
| Net loans and leases to total assets | 61.5225% | 4,773 |
| Net loans and leases to deposits | 73.7031% | 4,723 |
| Net loans and leases to core deposits | 77.2322% | 5,058 |
| Total domestic deposits to total assets | 83.4734% | 4,356 |
| Equity capital to assets | 8.0267% | 6,730 |
| Core capital (leverage) ratio | 8.1266% | 6,071 |
| Tier 1 risk-based capital ratio | 13.1066% | 4,357 |
| Total risk-based capital ratio | 14.3302% | 4,327 |
| Memoranda: | ||
| Average total assets | $65,376,670 | 6,127 |
| Average earning assets | $59,712,330 | 6,110 |
| Average equity | $5,331,670 | 6,677 |
| Average total loans | $40,578,330 | 6,022 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6083% | 2,113 |
| Cost of funding earning assets | 1.0203% | 6,279 |
| Net interest margin | 4.5880% | 976 |
| Noninterest income to average assets | 1.4341% | 586 |
| Noninterest expense to average assets | 4.4332% | 620 |
| Loan and lease loss provision to assets | 0.7482% | 1,700 |
| Net operating income to assets | 0.4302% | 4,709 |
| Return on assets (ROA) | 0.6235% | 3,920 |
| Pretax return on assets | 0.6235% | 4,510 |
| Return on Equity (ROE) | 7.5822% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.5822% | 1,886 |
| Net charge-offs to loans | 1.0062% | 1,634 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | 1.8900% | 3,598 |
| Efficiency ratio | 79.0000% | 2,724 |
| Assets per employee ($millions) | 2.2420% | 7,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 6,177 |
| Loan loss allowance to noncurrent loans | 139.7351% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 5,172 |
| Noncurrent loans to loans | 0.7595% | 5,804 |
| Net loans and leases to total assets | 60.5088% | 5,035 |
| Net loans and leases to deposits | 72.8146% | 4,943 |
| Net loans and leases to core deposits | 79.1761% | 4,872 |
| Total domestic deposits to total assets | 83.0998% | 4,571 |
| Equity capital to assets | 8.1302% | 6,507 |
| Core capital (leverage) ratio | 8.2474% | 5,837 |
| Tier 1 risk-based capital ratio | 13.3800% | 4,060 |
| Total risk-based capital ratio | 14.4493% | 4,162 |
| Memoranda: | ||
| Average total assets | $64,153,000 | 6,239 |
| Average earning assets | $58,413,500 | 6,230 |
| Average equity | $5,275,500 | 6,748 |
| Average total loans | $39,752,500 | 6,131 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9979% | 1,876 |
| Cost of funding earning assets | 1.2117% | 6,619 |
| Net interest margin | 4.7863% | 711 |
| Noninterest income to average assets | 1.3995% | 748 |
| Noninterest expense to average assets | 4.2018% | 1,096 |
| Loan and lease loss provision to assets | 0.6824% | 3,097 |
| Net operating income to assets | 0.9705% | 1,942 |
| Return on assets (ROA) | 0.9705% | 1,999 |
| Pretax return on assets | 0.9705% | 2,686 |
| Return on Equity (ROE) | 11.6673% | 1,244 |
| Retained earnings to average equity (ytd only) | 8.6808% | 544 |
| Net charge-offs to loans | 1.0384% | 2,334 |
| Credit loss provision to net charge-offs | 102.4876% | 5,389 |
| Earnings coverage of net charge-offs (x) | 2.4826% | 3,882 |
| Efficiency ratio | 71.7680% | 4,304 |
| Assets per employee ($millions) | 2.2603% | 7,518 |
| Cash dividends to net income (ytd only)* | 25.5973% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 6,318 |
| Loan loss allowance to noncurrent loans | 262.7451% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7869% | 5,531 |
| Noncurrent loans to loans | 0.3850% | 6,506 |
| Net loans and leases to total assets | 62.1593% | 4,957 |
| Net loans and leases to deposits | 76.5385% | 4,650 |
| Net loans and leases to core deposits | 90.8818% | 5,037 |
| Total domestic deposits to total assets | 81.2132% | 5,262 |
| Equity capital to assets | 8.3190% | 6,173 |
| Core capital (leverage) ratio | 8.2131% | 5,787 |
| Tier 1 risk-based capital ratio | 13.4458% | 3,855 |
| Total risk-based capital ratio | 14.4893% | 3,933 |
| Memoranda: | ||
| Average total assets | $60,379,200 | 6,336 |
| Average earning assets | $56,202,600 | 6,283 |
| Average equity | $5,022,600 | 6,935 |
| Average total loans | $38,714,400 | 6,167 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0028% | 2,028 |
| Cost of funding earning assets | 1.2340% | 6,785 |
| Net interest margin | 4.7689% | 724 |
| Noninterest income to average assets | 1.3970% | 780 |
| Noninterest expense to average assets | 4.2691% | 949 |
| Loan and lease loss provision to assets | 0.5431% | 3,221 |
| Net operating income to assets | 1.0505% | 1,898 |
| Return on assets (ROA) | 1.0505% | 1,962 |
| Pretax return on assets | 1.0505% | 2,734 |
| Return on Equity (ROE) | 12.6290% | 1,195 |
| Retained earnings to average equity (ytd only) | 9.2703% | 776 |
| Net charge-offs to loans | 0.7072% | 2,580 |
| Credit loss provision to net charge-offs | 119.1176% | 4,255 |
| Earnings coverage of net charge-offs (x) | 3.4951% | 3,509 |
| Efficiency ratio | 72.8174% | 4,082 |
| Assets per employee ($millions) | 2.4823% | 7,255 |
| Cash dividends to net income (ytd only)* | 26.5954% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,763 |
| Loan loss allowance to noncurrent loans | 110.5128% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 5,615 |
| Noncurrent loans to loans | 0.9903% | 5,324 |
| Net loans and leases to total assets | 62.7649% | 5,111 |
| Net loans and leases to deposits | 77.9093% | 4,748 |
| Net loans and leases to core deposits | 93.1618% | 5,114 |
| Total domestic deposits to total assets | 80.5614% | 5,223 |
| Equity capital to assets | 8.3311% | 6,465 |
| Core capital (leverage) ratio | 8.3282% | 5,789 |
| Tier 1 risk-based capital ratio | 13.5544% | 3,809 |
| Total risk-based capital ratio | 14.7024% | 3,828 |
| Memoranda: | ||
| Average total assets | $59,651,750 | 6,403 |
| Average earning assets | $55,861,000 | 6,342 |
| Average equity | $4,962,000 | 7,012 |
| Average total loans | $38,457,500 | 6,227 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0307% | 2,054 |
| Cost of funding earning assets | 1.2814% | 6,868 |
| Net interest margin | 4.7493% | 732 |
| Noninterest income to average assets | 1.3798% | 802 |
| Noninterest expense to average assets | 4.1971% | 1,077 |
| Loan and lease loss provision to assets | 0.5200% | 2,945 |
| Net operating income to assets | 1.1215% | 1,695 |
| Return on assets (ROA) | 1.1215% | 1,779 |
| Pretax return on assets | 1.1215% | 2,557 |
| Return on Equity (ROE) | 13.4896% | 1,075 |
| Retained earnings to average equity (ytd only) | 10.4238% | 647 |
| Net charge-offs to loans | 0.7549% | 2,173 |
| Credit loss provision to net charge-offs | 106.2500% | 4,335 |
| Earnings coverage of net charge-offs (x) | 3.3542% | 3,464 |
| Efficiency ratio | 71.8859% | 4,437 |
| Assets per employee ($millions) | 2.6025% | 7,050 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,997 |
| Loan loss allowance to noncurrent loans | 126.8987% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 5,627 |
| Noncurrent loans to loans | 0.8143% | 5,595 |
| Net loans and leases to total assets | 64.1646% | 4,949 |
| Net loans and leases to deposits | 79.9646% | 4,553 |
| Net loans and leases to core deposits | 96.0800% | 4,896 |
| Total domestic deposits to total assets | 80.2412% | 5,375 |
| Equity capital to assets | 8.3649% | 6,246 |
| Core capital (leverage) ratio | 8.1974% | 5,986 |
| Tier 1 risk-based capital ratio | 13.8393% | 3,606 |
| Total risk-based capital ratio | 14.9492% | 3,617 |
| Memoranda: | ||
| Average total assets | $58,850,000 | 6,485 |
| Average earning assets | $55,250,670 | 6,417 |
| Average equity | $4,892,670 | 7,103 |
| Average total loans | $38,149,670 | 6,289 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9865% | 2,414 |
| Cost of funding earning assets | 1.3255% | 6,946 |
| Net interest margin | 4.6610% | 842 |
| Noninterest income to average assets | 1.3368% | 799 |
| Noninterest expense to average assets | 4.1202% | 1,040 |
| Loan and lease loss provision to assets | 0.4867% | 2,535 |
| Net operating income to assets | 1.1175% | 1,904 |
| Return on assets (ROA) | 1.1175% | 2,027 |
| Pretax return on assets | 1.1175% | 2,922 |
| Return on Equity (ROE) | 13.4836% | 1,275 |
| Retained earnings to average equity (ytd only) | 7.2795% | 2,105 |
| Net charge-offs to loans | 0.9624% | 1,388 |
| Credit loss provision to net charge-offs | 78.0220% | 4,221 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,468 |
| Efficiency ratio | 71.9760% | 4,197 |
| Assets per employee ($millions) | 2.6990% | 6,889 |
| Cash dividends to net income (ytd only)* | 46.0123% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 6,298 |
| Loan loss allowance to noncurrent loans | 79.4872% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 4,762 |
| Noncurrent loans to loans | 1.2346% | 4,503 |
| Net loans and leases to total assets | 63.2147% | 5,120 |
| Net loans and leases to deposits | 78.5530% | 4,839 |
| Net loans and leases to core deposits | 91.0006% | 5,455 |
| Total domestic deposits to total assets | 80.4739% | 5,180 |
| Equity capital to assets | 8.2271% | 6,502 |
| Core capital (leverage) ratio | 8.2439% | 6,012 |
| Tier 1 risk-based capital ratio | 13.6339% | 3,783 |
| Total risk-based capital ratio | 14.6836% | 3,826 |
| Memoranda: | ||
| Average total assets | $58,346,500 | 6,531 |
| Average earning assets | $54,924,000 | 6,462 |
| Average equity | $4,835,500 | 7,173 |
| Average total loans | $37,820,500 | 6,340 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7031% | 2,015 |
| Cost of funding earning assets | 1.5704% | 7,498 |
| Net interest margin | 5.1327% | 378 |
| Noninterest income to average assets | 1.5975% | 548 |
| Noninterest expense to average assets | 4.3119% | 1,032 |
| Loan and lease loss provision to assets | 0.7882% | 1,890 |
| Net operating income to assets | 1.2976% | 1,490 |
| Return on assets (ROA) | 1.2976% | 1,443 |
| Pretax return on assets | 1.2976% | 2,320 |
| Return on Equity (ROE) | 16.0371% | 769 |
| Retained earnings to average equity (ytd only) | 13.6612% | 137 |
| Net charge-offs to loans | 0.9290% | 1,332 |
| Credit loss provision to net charge-offs | 122.0238% | 4,403 |
| Earnings coverage of net charge-offs (x) | 3.2292% | 4,474 |
| Efficiency ratio | 67.3978% | 4,839 |
| Assets per employee ($millions) | 2.3882% | 7,421 |
| Cash dividends to net income (ytd only)* | 14.8148% | 4,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,721 |
| Loan loss allowance to noncurrent loans | 72.0588% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9980% | 4,341 |
| Noncurrent loans to loans | 1.4417% | 3,641 |
| Net loans and leases to total assets | 65.1511% | 5,021 |
| Net loans and leases to deposits | 83.2152% | 4,543 |
| Net loans and leases to core deposits | 95.4355% | 5,304 |
| Total domestic deposits to total assets | 78.2923% | 5,617 |
| Equity capital to assets | 8.3502% | 6,345 |
| Core capital (leverage) ratio | 8.5919% | 5,394 |
| Tier 1 risk-based capital ratio | 13.4418% | 3,856 |
| Total risk-based capital ratio | 14.5525% | 3,838 |
| Memoranda: | ||
| Average total assets | $52,018,800 | 6,692 |
| Average earning assets | $48,649,200 | 6,650 |
| Average equity | $4,209,000 | 7,428 |
| Average total loans | $36,169,400 | 6,357 |