Home > Union Bank of Sparta > Performance and Condition Ratios
Union Bank of Sparta, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 3,016 |
| Cost of funding earning assets | 1.0413% | 1,550 |
| Net interest margin | 3.4368% | 3,633 |
| Noninterest income to average assets | 0.2864% | 3,969 |
| Noninterest expense to average assets | 1.6134% | 4,943 |
| Loan and lease loss provision to assets | 0.2521% | 718 |
| Net operating income to assets | 1.2887% | 1,735 |
| Return on assets (ROA) | 1.2887% | 1,812 |
| Pretax return on assets | 1.5888% | 1,518 |
| Return on Equity (ROE) | 7.2252% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.2252% | 1,292 |
| Net charge-offs to loans | 0.1724% | 1,169 |
| Credit loss provision to net charge-offs | 194.7090% | 1,357 |
| Earnings coverage of net charge-offs (x) | 14.2169% | 2,298 |
| Efficiency ratio | 44.7640% | 4,951 |
| Assets per employee ($millions) | 8.0067% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 4,613 |
| Loan loss allowance to noncurrent loans | 398.9796% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 3,549 |
| Noncurrent loans to loans | 0.1697% | 3,852 |
| Net loans and leases to total assets | 71.6361% | 2,142 |
| Net loans and leases to deposits | 91.6055% | 1,418 |
| Net loans and leases to core deposits | 114.9682% | 636 |
| Total domestic deposits to total assets | 78.2006% | 4,326 |
| Equity capital to assets | 16.9728% | 470 |
| Core capital (leverage) ratio | 15.6878% | 562 |
| Tier 1 risk-based capital ratio | 19.4538% | 1,422 |
| Total risk-based capital ratio | 20.1350% | 1,510 |
| Memoranda: | ||
| Average total assets | $145,960,600 | 3,347 |
| Average earning assets | $134,545,400 | 3,359 |
| Average equity | $26,034,000 | 2,630 |
| Average total loans | $109,652,400 | 3,096 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 3,077 |
| Cost of funding earning assets | 1.0467% | 1,554 |
| Net interest margin | 3.4473% | 3,740 |
| Noninterest income to average assets | 0.2968% | 3,963 |
| Noninterest expense to average assets | 1.8583% | 4,751 |
| Loan and lease loss provision to assets | 0.2088% | 842 |
| Net operating income to assets | 1.0944% | 2,592 |
| Return on assets (ROA) | 1.0944% | 2,687 |
| Pretax return on assets | 1.4118% | 2,262 |
| Return on Equity (ROE) | 6.0535% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.0535% | 2,348 |
| Net charge-offs to loans | 0.1023% | 1,449 |
| Credit loss provision to net charge-offs | 268.6747% | 1,032 |
| Earnings coverage of net charge-offs (x) | 20.8561% | 1,939 |
| Efficiency ratio | 51.4532% | 4,644 |
| Assets per employee ($millions) | 5.7314% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6599% | 4,712 |
| Loan loss allowance to noncurrent loans | 219.1740% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 3,624 |
| Noncurrent loans to loans | 0.3011% | 3,460 |
| Net loans and leases to total assets | 78.0633% | 1,132 |
| Net loans and leases to deposits | 102.8429% | 457 |
| Net loans and leases to core deposits | 131.2274% | 279 |
| Total domestic deposits to total assets | 75.9054% | 4,657 |
| Equity capital to assets | 18.4444% | 353 |
| Core capital (leverage) ratio | 15.6073% | 621 |
| Tier 1 risk-based capital ratio | 19.9008% | 1,375 |
| Total risk-based capital ratio | 20.5856% | 1,465 |
| Memoranda: | ||
| Average total assets | $142,417,500 | 3,438 |
| Average earning assets | $131,461,000 | 3,436 |
| Average equity | $25,747,750 | 2,661 |
| Average total loans | $108,191,750 | 3,150 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 3,122 |
| Cost of funding earning assets | 1.0054% | 1,671 |
| Net interest margin | 3.4611% | 3,711 |
| Noninterest income to average assets | 0.2913% | 3,995 |
| Noninterest expense to average assets | 1.8110% | 4,863 |
| Loan and lease loss provision to assets | 0.1928% | 908 |
| Net operating income to assets | 1.1497% | 2,329 |
| Return on assets (ROA) | 1.1497% | 2,407 |
| Pretax return on assets | 1.4846% | 1,908 |
| Return on Equity (ROE) | 6.4026% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.4026% | 2,102 |
| Net charge-offs to loans | 0.0056% | 2,950 |
| Credit loss provision to net charge-offs | 4,566.6667% | 82 |
| Earnings coverage of net charge-offs (x) | 397.3333% | 199 |
| Efficiency ratio | 49.9395% | 4,785 |
| Assets per employee ($millions) | 6.7395% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 4,750 |
| Loan loss allowance to noncurrent loans | 80.0217% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 2,090 |
| Noncurrent loans to loans | 0.8419% | 1,914 |
| Net loans and leases to total assets | 76.7701% | 1,424 |
| Net loans and leases to deposits | 97.4676% | 894 |
| Net loans and leases to core deposits | 128.9623% | 340 |
| Total domestic deposits to total assets | 78.7648% | 4,264 |
| Equity capital to assets | 18.4019% | 342 |
| Core capital (leverage) ratio | 15.4637% | 626 |
| Tier 1 risk-based capital ratio | 18.8609% | 1,585 |
| Total risk-based capital ratio | 19.5161% | 1,694 |
| Memoranda: | ||
| Average total assets | $142,128,330 | 3,461 |
| Average earning assets | $131,287,670 | 3,458 |
| Average equity | $25,521,000 | 2,672 |
| Average total loans | $106,723,670 | 3,188 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 3,389 |
| Cost of funding earning assets | 0.9480% | 1,806 |
| Net interest margin | 3.4075% | 3,869 |
| Noninterest income to average assets | 0.2837% | 3,981 |
| Noninterest expense to average assets | 1.7384% | 4,982 |
| Loan and lease loss provision to assets | 0.1882% | 874 |
| Net operating income to assets | 1.1739% | 2,159 |
| Return on assets (ROA) | 1.1739% | 2,210 |
| Pretax return on assets | 1.5166% | 1,710 |
| Return on Equity (ROE) | 6.6193% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.6193% | 2,191 |
| Net charge-offs to loans | 0.0190% | 2,085 |
| Credit loss provision to net charge-offs | 1,340.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 121.4000% | 583 |
| Efficiency ratio | 48.5318% | 4,920 |
| Assets per employee ($millions) | 6.4097% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6127% | 4,910 |
| Loan loss allowance to noncurrent loans | 66.3673% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 1,978 |
| Noncurrent loans to loans | 0.9233% | 1,811 |
| Net loans and leases to total assets | 76.4917% | 1,395 |
| Net loans and leases to deposits | 94.1460% | 1,160 |
| Net loans and leases to core deposits | 126.0609% | 382 |
| Total domestic deposits to total assets | 81.2480% | 3,918 |
| Equity capital to assets | 18.1145% | 344 |
| Core capital (leverage) ratio | 15.2974% | 639 |
| Tier 1 risk-based capital ratio | 19.2373% | 1,494 |
| Total risk-based capital ratio | 19.8525% | 1,594 |
| Memoranda: | ||
| Average total assets | $142,428,000 | 3,499 |
| Average earning assets | $132,061,000 | 3,487 |
| Average equity | $25,259,500 | 2,690 |
| Average total loans | $105,391,000 | 3,232 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 2,914 |
| Cost of funding earning assets | 0.8228% | 1,425 |
| Net interest margin | 3.5314% | 3,597 |
| Noninterest income to average assets | 0.3194% | 3,976 |
| Noninterest expense to average assets | 1.9322% | 4,846 |
| Loan and lease loss provision to assets | 0.2086% | 896 |
| Net operating income to assets | 1.1044% | 2,574 |
| Return on assets (ROA) | 1.1044% | 2,574 |
| Pretax return on assets | 1.4267% | 2,054 |
| Return on Equity (ROE) | 6.3202% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.3202% | 2,021 |
| Net charge-offs to loans | 0.0734% | 2,070 |
| Credit loss provision to net charge-offs | 389.1892% | 844 |
| Earnings coverage of net charge-offs (x) | 30.5135% | 1,577 |
| Efficiency ratio | 52.1721% | 4,781 |
| Assets per employee ($millions) | 6.2540% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 4,987 |
| Loan loss allowance to noncurrent loans | 335.0000% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 4,195 |
| Noncurrent loans to loans | 0.1760% | 3,962 |
| Net loans and leases to total assets | 70.6678% | 2,468 |
| Net loans and leases to deposits | 86.0180% | 2,268 |
| Net loans and leases to core deposits | 112.1915% | 872 |
| Total domestic deposits to total assets | 82.1547% | 3,603 |
| Equity capital to assets | 17.3628% | 386 |
| Core capital (leverage) ratio | 15.1538% | 663 |
| Tier 1 risk-based capital ratio | 19.7418% | 1,349 |
| Total risk-based capital ratio | 20.3267% | 1,466 |
| Memoranda: | ||
| Average total assets | $138,079,600 | 3,535 |
| Average earning assets | $127,003,600 | 3,543 |
| Average equity | $24,128,800 | 2,714 |
| Average total loans | $100,873,000 | 3,276 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 2,603 |
| Cost of funding earning assets | 0.8131% | 1,272 |
| Net interest margin | 3.5946% | 3,385 |
| Noninterest income to average assets | 0.3376% | 3,899 |
| Noninterest expense to average assets | 1.9682% | 4,797 |
| Loan and lease loss provision to assets | 0.2117% | 795 |
| Net operating income to assets | 1.1309% | 2,526 |
| Return on assets (ROA) | 1.1309% | 2,540 |
| Pretax return on assets | 1.4578% | 2,036 |
| Return on Equity (ROE) | 6.4610% | 4,122 |
| Retained earnings to average equity (ytd only) | 6.4610% | 2,405 |
| Net charge-offs to loans | -0.0053% | 4,237 |
| Credit loss provision to net charge-offs | -5,425.0000% | 4,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1459% | 4,797 |
| Assets per employee ($millions) | 6.3325% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 5,024 |
| Loan loss allowance to noncurrent loans | 327.9570% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 4,287 |
| Noncurrent loans to loans | 0.1861% | 4,049 |
| Net loans and leases to total assets | 71.3223% | 2,440 |
| Net loans and leases to deposits | 87.1834% | 2,244 |
| Net loans and leases to core deposits | 100.1593% | 1,779 |
| Total domestic deposits to total assets | 81.8073% | 3,666 |
| Equity capital to assets | 17.5029% | 376 |
| Core capital (leverage) ratio | 15.0321% | 695 |
| Tier 1 risk-based capital ratio | 18.8318% | 1,579 |
| Total risk-based capital ratio | 19.4080% | 1,704 |
| Memoranda: | ||
| Average total assets | $136,639,000 | 3,592 |
| Average earning assets | $125,444,750 | 3,606 |
| Average equity | $23,917,250 | 2,744 |
| Average total loans | $100,528,000 | 3,316 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,439 |
| Cost of funding earning assets | 0.7996% | 1,131 |
| Net interest margin | 3.5940% | 3,337 |
| Noninterest income to average assets | 0.3271% | 4,005 |
| Noninterest expense to average assets | 2.0921% | 4,628 |
| Loan and lease loss provision to assets | 0.2136% | 778 |
| Net operating income to assets | 1.0269% | 2,908 |
| Return on assets (ROA) | 1.0269% | 2,914 |
| Pretax return on assets | 1.3127% | 2,456 |
| Return on Equity (ROE) | 5.8666% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.8666% | 2,628 |
| Net charge-offs to loans | -0.0040% | 4,050 |
| Credit loss provision to net charge-offs | -7,250.0000% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8225% | 4,498 |
| Assets per employee ($millions) | 5.9103% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5231% | 5,227 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,250 |
| Noncurrent loans to loans | 0.1962% | 4,021 |
| Net loans and leases to total assets | 74.9803% | 1,795 |
| Net loans and leases to deposits | 91.7219% | 1,618 |
| Net loans and leases to core deposits | 105.5200% | 1,275 |
| Total domestic deposits to total assets | 81.7474% | 3,794 |
| Equity capital to assets | 17.7237% | 350 |
| Core capital (leverage) ratio | 14.8725% | 699 |
| Tier 1 risk-based capital ratio | 17.7365% | 1,879 |
| Total risk-based capital ratio | 18.2253% | 2,053 |
| Memoranda: | ||
| Average total assets | $135,747,330 | 3,626 |
| Average earning assets | $124,318,670 | 3,642 |
| Average equity | $23,761,670 | 2,772 |
| Average total loans | $100,713,330 | 3,326 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 2,046 |
| Cost of funding earning assets | 0.7645% | 1,126 |
| Net interest margin | 3.6773% | 2,894 |
| Noninterest income to average assets | 0.3362% | 3,911 |
| Noninterest expense to average assets | 2.2381% | 4,331 |
| Loan and lease loss provision to assets | 0.2123% | 760 |
| Net operating income to assets | 0.8994% | 3,291 |
| Return on assets (ROA) | 0.8994% | 3,297 |
| Pretax return on assets | 1.2473% | 2,566 |
| Return on Equity (ROE) | 5.1704% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.1704% | 3,089 |
| Net charge-offs to loans | -0.0040% | 3,935 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6124% | 4,274 |
| Assets per employee ($millions) | 5.8685% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4614% | 5,378 |
| Loan loss allowance to noncurrent loans | 214.8837% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,287 |
| Noncurrent loans to loans | 0.2147% | 4,011 |
| Net loans and leases to total assets | 73.8485% | 1,881 |
| Net loans and leases to deposits | 89.7579% | 1,717 |
| Net loans and leases to core deposits | 103.4638% | 1,419 |
| Total domestic deposits to total assets | 82.2752% | 3,879 |
| Equity capital to assets | 17.5418% | 352 |
| Core capital (leverage) ratio | 14.5341% | 752 |
| Tier 1 risk-based capital ratio | 18.2273% | 1,765 |
| Total risk-based capital ratio | 18.6697% | 1,952 |
| Memoranda: | ||
| Average total assets | $135,652,500 | 3,664 |
| Average earning assets | $124,003,000 | 3,682 |
| Average equity | $23,596,000 | 2,813 |
| Average total loans | $99,839,000 | 3,363 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,509 |
| Cost of funding earning assets | 0.6041% | 1,571 |
| Net interest margin | 3.6430% | 3,010 |
| Noninterest income to average assets | 0.3615% | 3,880 |
| Noninterest expense to average assets | 2.1633% | 4,617 |
| Loan and lease loss provision to assets | 0.2453% | 774 |
| Net operating income to assets | 1.0013% | 2,236 |
| Return on assets (ROA) | 0.9922% | 2,316 |
| Pretax return on assets | 1.2278% | 2,651 |
| Return on Equity (ROE) | 5.8404% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.8404% | 1,631 |
| Net charge-offs to loans | 0.0043% | 3,942 |
| Credit loss provision to net charge-offs | 8,225.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 497.7500% | 174 |
| Efficiency ratio | 59.3092% | 4,370 |
| Assets per employee ($millions) | 5.9274% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3908% | 5,496 |
| Loan loss allowance to noncurrent loans | 90.4651% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 3,614 |
| Noncurrent loans to loans | 0.4320% | 3,239 |
| Net loans and leases to total assets | 72.7279% | 2,129 |
| Net loans and leases to deposits | 88.0926% | 2,009 |
| Net loans and leases to core deposits | 101.1941% | 1,617 |
| Total domestic deposits to total assets | 82.5585% | 3,709 |
| Equity capital to assets | 17.2486% | 376 |
| Core capital (leverage) ratio | 14.7266% | 674 |
| Tier 1 risk-based capital ratio | 18.3498% | 1,694 |
| Total risk-based capital ratio | 18.7264% | 1,901 |
| Memoranda: | ||
| Average total assets | $134,144,800 | 3,689 |
| Average earning assets | $121,000,200 | 3,727 |
| Average equity | $22,789,600 | 2,879 |
| Average total loans | $93,600,000 | 3,458 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 2,470 |
| Cost of funding earning assets | 0.5578% | 1,831 |
| Net interest margin | 3.6829% | 2,814 |
| Noninterest income to average assets | 0.3772% | 3,830 |
| Noninterest expense to average assets | 2.1417% | 4,650 |
| Loan and lease loss provision to assets | 0.2555% | 671 |
| Net operating income to assets | 0.9128% | 2,957 |
| Return on assets (ROA) | 0.9022% | 3,072 |
| Pretax return on assets | 1.2794% | 2,585 |
| Return on Equity (ROE) | 5.3312% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.3312% | 2,662 |
| Net charge-offs to loans | 0.0058% | 3,525 |
| Credit loss provision to net charge-offs | 6,400.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 388.4822% | 244 |
| Efficiency ratio | 58.0157% | 4,501 |
| Assets per employee ($millions) | 5.9045% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3303% | 5,604 |
| Loan loss allowance to noncurrent loans | 69.2982% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,634 |
| Noncurrent loans to loans | 0.4766% | 3,256 |
| Net loans and leases to total assets | 73.4065% | 2,023 |
| Net loans and leases to deposits | 90.9494% | 1,697 |
| Net loans and leases to core deposits | 105.4101% | 1,309 |
| Total domestic deposits to total assets | 80.7113% | 4,132 |
| Equity capital to assets | 17.8430% | 346 |
| Core capital (leverage) ratio | 14.6987% | 721 |
| Tier 1 risk-based capital ratio | 20.2838% | 1,310 |
| Total risk-based capital ratio | 20.6301% | 1,460 |
| Memoranda: | ||
| Average total assets | $133,598,500 | 3,729 |
| Average earning assets | $120,227,500 | 3,787 |
| Average equity | $22,608,250 | 2,916 |
| Average total loans | $92,115,250 | 3,523 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 2,646 |
| Cost of funding earning assets | 0.5140% | 2,063 |
| Net interest margin | 3.6410% | 2,871 |
| Noninterest income to average assets | 0.3768% | 3,860 |
| Noninterest expense to average assets | 2.0707% | 4,828 |
| Loan and lease loss provision to assets | 0.2729% | 581 |
| Net operating income to assets | 0.8752% | 3,047 |
| Return on assets (ROA) | 0.8603% | 3,165 |
| Pretax return on assets | 1.2786% | 2,464 |
| Return on Equity (ROE) | 5.1743% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.1743% | 2,593 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8173% | 4,730 |
| Assets per employee ($millions) | 5.8112% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2602% | 5,685 |
| Loan loss allowance to noncurrent loans | 67.7596% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 4,026 |
| Noncurrent loans to loans | 0.3840% | 3,648 |
| Net loans and leases to total assets | 71.1171% | 2,351 |
| Net loans and leases to deposits | 86.0341% | 2,214 |
| Net loans and leases to core deposits | 96.5682% | 1,922 |
| Total domestic deposits to total assets | 82.6616% | 3,664 |
| Equity capital to assets | 17.1012% | 396 |
| Core capital (leverage) ratio | 14.1848% | 806 |
| Tier 1 risk-based capital ratio | 19.7192% | 1,429 |
| Total risk-based capital ratio | 19.9885% | 1,619 |
| Memoranda: | ||
| Average total assets | $134,831,330 | 3,745 |
| Average earning assets | $121,011,330 | 3,787 |
| Average equity | $22,418,330 | 2,934 |
| Average total loans | $90,930,000 | 3,557 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 2,689 |
| Cost of funding earning assets | 0.4410% | 2,604 |
| Net interest margin | 3.6487% | 2,699 |
| Noninterest income to average assets | 0.5051% | 2,950 |
| Noninterest expense to average assets | 2.2774% | 4,468 |
| Loan and lease loss provision to assets | 0.3279% | 377 |
| Net operating income to assets | 0.8182% | 3,137 |
| Return on assets (ROA) | 0.8182% | 3,192 |
| Pretax return on assets | 1.1254% | 2,884 |
| Return on Equity (ROE) | 4.9912% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.9912% | 2,901 |
| Net charge-offs to loans | -0.0090% | 4,378 |
| Credit loss provision to net charge-offs | -5,550.0000% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0451% | 4,313 |
| Assets per employee ($millions) | 6.6579% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1891% | 5,777 |
| Loan loss allowance to noncurrent loans | 45.7364% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 3,485 |
| Noncurrent loans to loans | 0.4135% | 3,607 |
| Net loans and leases to total assets | 66.8183% | 2,846 |
| Net loans and leases to deposits | 80.0463% | 2,750 |
| Net loans and leases to core deposits | 89.2453% | 2,428 |
| Total domestic deposits to total assets | 83.4746% | 3,664 |
| Equity capital to assets | 16.0212% | 495 |
| Core capital (leverage) ratio | 13.8182% | 885 |
| Tier 1 risk-based capital ratio | 16.8120% | 2,245 |
| Total risk-based capital ratio | 16.9812% | 2,595 |
| Memoranda: | ||
| Average total assets | $135,418,500 | 3,766 |
| Average earning assets | $119,715,000 | 3,839 |
| Average equity | $22,199,000 | 2,969 |
| Average total loans | $88,744,500 | 3,627 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5425% | 5,900 |
| Cost of funding earning assets | 0.0852% | 5,759 |
| Net interest margin | 0.4573% | 5,900 |
| Noninterest income to average assets | 0.0652% | 5,738 |
| Noninterest expense to average assets | 0.2536% | 5,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2251% | 5,370 |
| Return on assets (ROA) | 0.2251% | 5,435 |
| Pretax return on assets | 0.2316% | 5,455 |
| Return on Equity (ROE) | 1.3922% | 5,506 |
| Retained earnings to average equity (ytd only) | 1.3922% | 4,716 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2689% | 5,361 |
| Assets per employee ($millions) | 5.9555% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0763% | 5,850 |
| Loan loss allowance to noncurrent loans | 10.4918% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 3,394 |
| Noncurrent loans to loans | 0.7271% | 2,715 |
| Net loans and leases to total assets | 63.9786% | 3,360 |
| Net loans and leases to deposits | 77.0403% | 3,200 |
| Net loans and leases to core deposits | 86.8798% | 2,776 |
| Total domestic deposits to total assets | 83.0456% | 3,752 |
| Equity capital to assets | 16.7895% | 412 |
| Core capital (leverage) ratio | 15.6898% | 503 |
| Tier 1 risk-based capital ratio | 16.8101% | 2,226 |
| Total risk-based capital ratio | 16.8720% | 2,628 |
| Memoranda: | ||
| Average total assets | $122,621,600 | 3,947 |
| Average earning assets | $112,625,000 | 3,958 |
| Average equity | $19,825,200 | 3,187 |
| Average total loans | $84,736,400 | 3,694 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 2,777 |
| Cost of funding earning assets | 0.6564% | 1,021 |
| Net interest margin | 3.4701% | 3,586 |
| Noninterest income to average assets | 0.4314% | 3,684 |
| Noninterest expense to average assets | 2.2181% | 4,725 |
| Loan and lease loss provision to assets | 0.0553% | 3,148 |
| Net operating income to assets | 1.0355% | 2,265 |
| Return on assets (ROA) | 1.0355% | 2,387 |
| Pretax return on assets | 1.3806% | 2,123 |
| Return on Equity (ROE) | 6.4722% | 3,848 |
| Retained earnings to average equity (ytd only) | 5.0063% | 2,823 |
| Net charge-offs to loans | 0.0596% | 2,495 |
| Credit loss provision to net charge-offs | 131.5789% | 1,958 |
| Earnings coverage of net charge-offs (x) | 34.1547% | 1,367 |
| Efficiency ratio | 60.7024% | 4,441 |
| Assets per employee ($millions) | 5.6325% | 1,732 |
| Cash dividends to net income (ytd only)* | 22.6496% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 5,194 |
| Loan loss allowance to noncurrent loans | 78.3469% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 2,653 |
| Noncurrent loans to loans | 1.0184% | 2,208 |
| Net loans and leases to total assets | 70.7420% | 2,382 |
| Net loans and leases to deposits | 85.1143% | 2,353 |
| Net loans and leases to core deposits | 96.4776% | 1,947 |
| Total domestic deposits to total assets | 83.1141% | 3,539 |
| Equity capital to assets | 16.6238% | 468 |
| Core capital (leverage) ratio | 16.5647% | 406 |
| Tier 1 risk-based capital ratio | 19.2871% | 1,604 |
| Total risk-based capital ratio | 19.9613% | 1,702 |
| Memoranda: | ||
| Average total assets | $120,521,500 | 4,004 |
| Average earning assets | $111,923,250 | 3,997 |
| Average equity | $19,282,000 | 3,257 |
| Average total loans | $84,948,000 | 3,705 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 2,764 |
| Cost of funding earning assets | 0.6575% | 1,016 |
| Net interest margin | 3.4673% | 3,623 |
| Noninterest income to average assets | 0.3991% | 3,874 |
| Noninterest expense to average assets | 2.1523% | 4,946 |
| Loan and lease loss provision to assets | 0.0825% | 2,487 |
| Net operating income to assets | 1.0027% | 2,385 |
| Return on assets (ROA) | 1.0027% | 2,518 |
| Pretax return on assets | 1.3738% | 2,122 |
| Return on Equity (ROE) | 6.3482% | 3,878 |
| Retained earnings to average equity (ytd only) | 4.6045% | 2,977 |
| Net charge-offs to loans | 0.0728% | 2,142 |
| Credit loss provision to net charge-offs | 161.2903% | 1,521 |
| Earnings coverage of net charge-offs (x) | 28.4839% | 1,428 |
| Efficiency ratio | 59.6435% | 4,687 |
| Assets per employee ($millions) | 5.4134% | 1,875 |
| Cash dividends to net income (ytd only)* | 27.4671% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 5,212 |
| Loan loss allowance to noncurrent loans | 99.5608% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 3,176 |
| Noncurrent loans to loans | 0.8290% | 2,670 |
| Net loans and leases to total assets | 68.6088% | 2,692 |
| Net loans and leases to deposits | 82.1675% | 2,689 |
| Net loans and leases to core deposits | 93.1358% | 2,246 |
| Total domestic deposits to total assets | 83.4987% | 3,465 |
| Equity capital to assets | 16.2720% | 503 |
| Core capital (leverage) ratio | 16.1378% | 451 |
| Tier 1 risk-based capital ratio | 19.5460% | 1,553 |
| Total risk-based capital ratio | 20.2467% | 1,666 |
| Memoranda: | ||
| Average total assets | $121,268,000 | 4,021 |
| Average earning assets | $112,249,330 | 4,014 |
| Average equity | $19,155,000 | 3,280 |
| Average total loans | $85,148,000 | 3,716 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 2,635 |
| Cost of funding earning assets | 0.6557% | 1,024 |
| Net interest margin | 3.4980% | 3,485 |
| Noninterest income to average assets | 0.3956% | 3,862 |
| Noninterest expense to average assets | 2.0105% | 5,307 |
| Loan and lease loss provision to assets | 0.1635% | 1,266 |
| Net operating income to assets | 1.0984% | 1,905 |
| Return on assets (ROA) | 1.0984% | 2,003 |
| Pretax return on assets | 1.4482% | 1,756 |
| Return on Equity (ROE) | 7.0577% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.0577% | 1,856 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5054% | 5,236 |
| Assets per employee ($millions) | 5.5472% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 5,288 |
| Loan loss allowance to noncurrent loans | 74.3455% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 1,476 |
| Noncurrent loans to loans | 1.1131% | 2,173 |
| Net loans and leases to total assets | 69.7203% | 2,389 |
| Net loans and leases to deposits | 82.9355% | 2,437 |
| Net loans and leases to core deposits | 92.9577% | 2,092 |
| Total domestic deposits to total assets | 84.0657% | 3,492 |
| Equity capital to assets | 15.7532% | 561 |
| Core capital (leverage) ratio | 15.9318% | 479 |
| Tier 1 risk-based capital ratio | 18.6691% | 1,807 |
| Total risk-based capital ratio | 19.3721% | 1,918 |
| Memoranda: | ||
| Average total assets | $122,355,000 | 4,037 |
| Average earning assets | $112,863,000 | 4,021 |
| Average equity | $19,043,000 | 3,296 |
| Average total loans | $86,527,500 | 3,693 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,087 |
| Cost of funding earning assets | 0.6841% | 890 |
| Net interest margin | 3.6582% | 2,907 |
| Noninterest income to average assets | 0.4493% | 3,673 |
| Noninterest expense to average assets | 2.3707% | 4,586 |
| Loan and lease loss provision to assets | 0.1741% | 1,306 |
| Net operating income to assets | 0.9656% | 2,550 |
| Return on assets (ROA) | 0.9777% | 2,557 |
| Pretax return on assets | 1.3047% | 2,268 |
| Return on Equity (ROE) | 6.1631% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.4711% | 2,810 |
| Net charge-offs to loans | 0.2163% | 1,364 |
| Credit loss provision to net charge-offs | 114.5251% | 2,225 |
| Earnings coverage of net charge-offs (x) | 9.6201% | 2,801 |
| Efficiency ratio | 61.8436% | 4,634 |
| Assets per employee ($millions) | 5.5760% | 1,714 |
| Cash dividends to net income (ytd only)* | 27.4544% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 5,518 |
| Loan loss allowance to noncurrent loans | 148.7585% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 2,238 |
| Noncurrent loans to loans | 0.5077% | 3,664 |
| Net loans and leases to total assets | 70.5953% | 2,278 |
| Net loans and leases to deposits | 83.5415% | 2,413 |
| Net loans and leases to core deposits | 93.5347% | 2,088 |
| Total domestic deposits to total assets | 84.5033% | 3,285 |
| Equity capital to assets | 15.3753% | 619 |
| Core capital (leverage) ratio | 15.9436% | 471 |
| Tier 1 risk-based capital ratio | 18.4638% | 1,841 |
| Total risk-based capital ratio | 19.1205% | 1,953 |
| Memoranda: | ||
| Average total assets | $117,726,600 | 4,103 |
| Average earning assets | $108,906,400 | 4,083 |
| Average equity | $18,675,600 | 3,297 |
| Average total loans | $82,752,000 | 3,752 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 2,088 |
| Cost of funding earning assets | 0.6876% | 895 |
| Net interest margin | 3.6590% | 2,927 |
| Noninterest income to average assets | 0.3869% | 4,175 |
| Noninterest expense to average assets | 2.2067% | 5,036 |
| Loan and lease loss provision to assets | 0.1511% | 1,444 |
| Net operating income to assets | 1.0370% | 2,289 |
| Return on assets (ROA) | 1.0370% | 2,386 |
| Pretax return on assets | 1.4215% | 1,926 |
| Return on Equity (ROE) | 6.4843% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.3391% | 2,688 |
| Net charge-offs to loans | 0.0539% | 2,833 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 41.6352% | 1,202 |
| Efficiency ratio | 58.3889% | 5,073 |
| Assets per employee ($millions) | 4.9107% | 2,405 |
| Cash dividends to net income (ytd only)* | 17.6602% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 5,295 |
| Loan loss allowance to noncurrent loans | 115.4331% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 1,994 |
| Noncurrent loans to loans | 0.7550% | 3,076 |
| Net loans and leases to total assets | 70.7434% | 2,274 |
| Net loans and leases to deposits | 84.3648% | 2,364 |
| Net loans and leases to core deposits | 95.2705% | 1,950 |
| Total domestic deposits to total assets | 83.8542% | 3,486 |
| Equity capital to assets | 15.9184% | 569 |
| Core capital (leverage) ratio | 16.3044% | 453 |
| Tier 1 risk-based capital ratio | 18.7847% | 1,827 |
| Total risk-based capital ratio | 19.5314% | 1,922 |
| Memoranda: | ||
| Average total assets | $116,490,500 | 4,171 |
| Average earning assets | $108,005,750 | 4,143 |
| Average equity | $18,629,250 | 3,328 |
| Average total loans | $81,625,250 | 3,814 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 2,162 |
| Cost of funding earning assets | 0.6760% | 960 |
| Net interest margin | 3.6258% | 2,994 |
| Noninterest income to average assets | 0.3775% | 4,248 |
| Noninterest expense to average assets | 2.1821% | 5,165 |
| Loan and lease loss provision to assets | 0.1207% | 1,834 |
| Net operating income to assets | 1.0824% | 2,004 |
| Return on assets (ROA) | 1.0824% | 2,108 |
| Pretax return on assets | 1.4306% | 1,860 |
| Return on Equity (ROE) | 6.7580% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.0362% | 2,840 |
| Net charge-offs to loans | 0.0569% | 2,587 |
| Credit loss provision to net charge-offs | 304.3478% | 925 |
| Earnings coverage of net charge-offs (x) | 39.1304% | 1,145 |
| Efficiency ratio | 58.4488% | 5,169 |
| Assets per employee ($millions) | 4.8245% | 2,510 |
| Cash dividends to net income (ytd only)* | 25.4777% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 5,567 |
| Loan loss allowance to noncurrent loans | 106.2402% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.2108% | 2,091 |
| Noncurrent loans to loans | 0.7663% | 3,195 |
| Net loans and leases to total assets | 71.6523% | 2,053 |
| Net loans and leases to deposits | 85.6067% | 2,092 |
| Net loans and leases to core deposits | 97.4912% | 1,690 |
| Total domestic deposits to total assets | 83.6994% | 3,693 |
| Equity capital to assets | 16.1659% | 508 |
| Core capital (leverage) ratio | 16.5217% | 410 |
| Tier 1 risk-based capital ratio | 19.2625% | 1,728 |
| Total risk-based capital ratio | 19.9737% | 1,833 |
| Memoranda: | ||
| Average total assets | $116,035,000 | 4,220 |
| Average earning assets | $107,398,330 | 4,194 |
| Average equity | $18,585,330 | 3,349 |
| Average total loans | $80,797,330 | 3,852 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 2,417 |
| Cost of funding earning assets | 0.6649% | 1,020 |
| Net interest margin | 3.5439% | 3,242 |
| Noninterest income to average assets | 0.3512% | 4,388 |
| Noninterest expense to average assets | 2.0799% | 5,429 |
| Loan and lease loss provision to assets | 0.2410% | 700 |
| Net operating income to assets | 0.9849% | 2,331 |
| Return on assets (ROA) | 0.9849% | 2,456 |
| Pretax return on assets | 1.3154% | 2,215 |
| Return on Equity (ROE) | 6.1774% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.1774% | 2,386 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1970% | 5,420 |
| Assets per employee ($millions) | 5.0701% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 5,576 |
| Loan loss allowance to noncurrent loans | 102.7697% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.2409% | 2,158 |
| Noncurrent loans to loans | 0.8258% | 3,178 |
| Net loans and leases to total assets | 70.6334% | 2,052 |
| Net loans and leases to deposits | 84.2310% | 2,037 |
| Net loans and leases to core deposits | 95.9038% | 1,623 |
| Total domestic deposits to total assets | 83.8567% | 3,868 |
| Equity capital to assets | 16.0301% | 538 |
| Core capital (leverage) ratio | 16.4512% | 418 |
| Tier 1 risk-based capital ratio | 19.2380% | 1,800 |
| Total risk-based capital ratio | 19.9806% | 1,894 |
| Memoranda: | ||
| Average total assets | $116,159,000 | 4,253 |
| Average earning assets | $107,677,500 | 4,221 |
| Average equity | $18,519,000 | 3,381 |
| Average total loans | $79,373,500 | 3,918 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,596 |
| Cost of funding earning assets | 0.6779% | 1,215 |
| Net interest margin | 3.6250% | 3,316 |
| Noninterest income to average assets | 0.3680% | 4,446 |
| Noninterest expense to average assets | 2.2780% | 5,164 |
| Loan and lease loss provision to assets | 0.0699% | 3,086 |
| Net operating income to assets | 1.0149% | 2,316 |
| Return on assets (ROA) | 1.0149% | 2,395 |
| Pretax return on assets | 1.3855% | 1,929 |
| Return on Equity (ROE) | 6.4745% | 3,916 |
| Retained earnings to average equity (ytd only) | 4.6844% | 2,836 |
| Net charge-offs to loans | 0.1233% | 2,795 |
| Credit loss provision to net charge-offs | 85.1064% | 2,757 |
| Earnings coverage of net charge-offs (x) | 17.7128% | 1,897 |
| Efficiency ratio | 61.0162% | 5,067 |
| Assets per employee ($millions) | 5.0307% | 2,281 |
| Cash dividends to net income (ytd only)* | 27.6486% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 5,666 |
| Loan loss allowance to noncurrent loans | 92.5547% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 2,257 |
| Noncurrent loans to loans | 0.9052% | 3,056 |
| Net loans and leases to total assets | 64.8549% | 3,078 |
| Net loans and leases to deposits | 77.1392% | 3,066 |
| Net loans and leases to core deposits | 88.0319% | 2,496 |
| Total domestic deposits to total assets | 84.0752% | 3,683 |
| Equity capital to assets | 15.8548% | 558 |
| Core capital (leverage) ratio | 16.3420% | 435 |
| Tier 1 risk-based capital ratio | 20.3911% | 1,524 |
| Total risk-based capital ratio | 21.1102% | 1,597 |
| Memoranda: | ||
| Average total assets | $114,400,200 | 4,289 |
| Average earning assets | $106,205,800 | 4,261 |
| Average equity | $17,931,800 | 3,406 |
| Average total loans | $76,242,400 | 3,989 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 2,764 |
| Cost of funding earning assets | 0.6764% | 1,283 |
| Net interest margin | 3.5871% | 3,483 |
| Noninterest income to average assets | 0.3506% | 4,639 |
| Noninterest expense to average assets | 2.2184% | 5,315 |
| Loan and lease loss provision to assets | 0.0935% | 2,490 |
| Net operating income to assets | 1.0122% | 2,396 |
| Return on assets (ROA) | 1.0122% | 2,456 |
| Pretax return on assets | 1.3733% | 2,103 |
| Return on Equity (ROE) | 6.4764% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.2723% | 2,904 |
| Net charge-offs to loans | 0.1658% | 2,135 |
| Credit loss provision to net charge-offs | 84.2105% | 2,520 |
| Earnings coverage of net charge-offs (x) | 13.2109% | 2,249 |
| Efficiency ratio | 60.1966% | 5,148 |
| Assets per employee ($millions) | 4.9464% | 2,307 |
| Cash dividends to net income (ytd only)* | 18.5911% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 5,787 |
| Loan loss allowance to noncurrent loans | 35.1667% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 2.2511% | 1,218 |
| Noncurrent loans to loans | 2.3651% | 1,260 |
| Net loans and leases to total assets | 66.3417% | 2,799 |
| Net loans and leases to deposits | 79.2322% | 2,819 |
| Net loans and leases to core deposits | 90.8254% | 2,140 |
| Total domestic deposits to total assets | 83.7308% | 3,866 |
| Equity capital to assets | 16.0187% | 565 |
| Core capital (leverage) ratio | 16.3054% | 438 |
| Tier 1 risk-based capital ratio | 20.1976% | 1,621 |
| Total risk-based capital ratio | 20.9142% | 1,711 |
| Memoranda: | ||
| Average total assets | $114,073,750 | 4,330 |
| Average earning assets | $106,043,750 | 4,303 |
| Average equity | $17,828,500 | 3,438 |
| Average total loans | $76,384,250 | 4,017 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 2,755 |
| Cost of funding earning assets | 0.6655% | 1,406 |
| Net interest margin | 3.5898% | 3,400 |
| Noninterest income to average assets | 0.3556% | 4,578 |
| Noninterest expense to average assets | 2.2229% | 5,356 |
| Loan and lease loss provision to assets | 0.1401% | 1,769 |
| Net operating income to assets | 1.0160% | 2,267 |
| Return on assets (ROA) | 1.0160% | 2,332 |
| Pretax return on assets | 1.3278% | 2,159 |
| Return on Equity (ROE) | 6.5549% | 3,857 |
| Retained earnings to average equity (ytd only) | 4.7354% | 3,122 |
| Net charge-offs to loans | 0.2511% | 1,551 |
| Credit loss provision to net charge-offs | 83.3333% | 2,290 |
| Earnings coverage of net charge-offs (x) | 8.7292% | 2,452 |
| Efficiency ratio | 60.2278% | 5,263 |
| Assets per employee ($millions) | 4.8314% | 2,431 |
| Cash dividends to net income (ytd only)* | 27.7586% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 5,949 |
| Loan loss allowance to noncurrent loans | 35.0916% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 2.3056% | 1,288 |
| Noncurrent loans to loans | 2.3074% | 1,403 |
| Net loans and leases to total assets | 69.6730% | 2,133 |
| Net loans and leases to deposits | 83.3059% | 2,113 |
| Net loans and leases to core deposits | 93.7097% | 1,801 |
| Total domestic deposits to total assets | 83.6351% | 4,061 |
| Equity capital to assets | 16.1426% | 526 |
| Core capital (leverage) ratio | 16.0578% | 471 |
| Tier 1 risk-based capital ratio | 19.6957% | 1,765 |
| Total risk-based capital ratio | 20.4048% | 1,847 |
| Memoranda: | ||
| Average total assets | $114,176,000 | 4,361 |
| Average earning assets | $106,078,670 | 4,322 |
| Average equity | $17,696,670 | 3,452 |
| Average total loans | $76,476,330 | 4,026 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 2,869 |
| Cost of funding earning assets | 0.6730% | 1,419 |
| Net interest margin | 3.5286% | 3,575 |
| Noninterest income to average assets | 0.3215% | 4,795 |
| Noninterest expense to average assets | 2.2610% | 5,300 |
| Loan and lease loss provision to assets | 0.2766% | 745 |
| Net operating income to assets | 0.8608% | 2,848 |
| Return on assets (ROA) | 0.8608% | 2,915 |
| Pretax return on assets | 1.0648% | 3,063 |
| Return on Equity (ROE) | 5.6668% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.6668% | 2,708 |
| Net charge-offs to loans | 0.6078% | 612 |
| Credit loss provision to net charge-offs | 69.5652% | 2,010 |
| Earnings coverage of net charge-offs (x) | 3.3739% | 2,694 |
| Efficiency ratio | 62.7639% | 5,026 |
| Assets per employee ($millions) | 4.9890% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 6,062 |
| Loan loss allowance to noncurrent loans | 32.0292% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 2.3339% | 1,401 |
| Noncurrent loans to loans | 2.5529% | 1,353 |
| Net loans and leases to total assets | 64.9060% | 2,742 |
| Net loans and leases to deposits | 76.9033% | 2,698 |
| Net loans and leases to core deposits | 86.1623% | 2,303 |
| Total domestic deposits to total assets | 84.3995% | 4,123 |
| Equity capital to assets | 15.4646% | 605 |
| Core capital (leverage) ratio | 15.5489% | 532 |
| Tier 1 risk-based capital ratio | 19.8749% | 1,753 |
| Total risk-based capital ratio | 20.5768% | 1,847 |
| Memoranda: | ||
| Average total assets | $115,703,000 | 4,373 |
| Average earning assets | $107,578,500 | 4,328 |
| Average equity | $17,576,000 | 3,471 |
| Average total loans | $75,687,500 | 4,078 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 1,623 |
| Cost of funding earning assets | 0.6827% | 1,937 |
| Net interest margin | 3.9972% | 1,953 |
| Noninterest income to average assets | 0.4425% | 4,136 |
| Noninterest expense to average assets | 2.1310% | 5,766 |
| Loan and lease loss provision to assets | 0.1508% | 2,395 |
| Net operating income to assets | 1.3559% | 1,120 |
| Return on assets (ROA) | 1.3559% | 1,164 |
| Pretax return on assets | 1.8472% | 682 |
| Return on Equity (ROE) | 8.9517% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.0724% | 1,409 |
| Net charge-offs to loans | 0.3285% | 2,033 |
| Credit loss provision to net charge-offs | 66.4063% | 3,393 |
| Earnings coverage of net charge-offs (x) | 8.8008% | 2,604 |
| Efficiency ratio | 51.6108% | 6,327 |
| Assets per employee ($millions) | 4.8608% | 2,362 |
| Cash dividends to net income (ytd only)* | 20.9941% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 6,061 |
| Loan loss allowance to noncurrent loans | 254.1176% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 3,473 |
| Noncurrent loans to loans | 0.3343% | 5,186 |
| Net loans and leases to total assets | 64.8346% | 2,902 |
| Net loans and leases to deposits | 76.2836% | 2,935 |
| Net loans and leases to core deposits | 85.2256% | 2,541 |
| Total domestic deposits to total assets | 84.9914% | 3,758 |
| Equity capital to assets | 14.9211% | 682 |
| Core capital (leverage) ratio | 16.0761% | 463 |
| Tier 1 risk-based capital ratio | 19.3625% | 1,825 |
| Total risk-based capital ratio | 20.0947% | 1,930 |
| Memoranda: | ||
| Average total assets | $112,764,400 | 4,442 |
| Average earning assets | $103,998,800 | 4,406 |
| Average equity | $17,080,600 | 3,552 |
| Average total loans | $77,936,000 | 4,001 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 1,390 |
| Cost of funding earning assets | 0.6840% | 2,069 |
| Net interest margin | 4.0987% | 1,637 |
| Noninterest income to average assets | 0.4353% | 4,263 |
| Noninterest expense to average assets | 2.1516% | 5,719 |
| Loan and lease loss provision to assets | 0.2028% | 1,790 |
| Net operating income to assets | 1.3418% | 1,238 |
| Return on assets (ROA) | 1.3418% | 1,289 |
| Pretax return on assets | 1.8546% | 790 |
| Return on Equity (ROE) | 8.8238% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.5689% | 1,607 |
| Net charge-offs to loans | 0.4459% | 1,439 |
| Credit loss provision to net charge-offs | 64.8855% | 3,182 |
| Earnings coverage of net charge-offs (x) | 6.5840% | 2,945 |
| Efficiency ratio | 51.1193% | 6,320 |
| Assets per employee ($millions) | 5.0650% | 2,091 |
| Cash dividends to net income (ytd only)* | 14.2224% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 6,232 |
| Loan loss allowance to noncurrent loans | 243.5606% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0276% | 3,591 |
| Noncurrent loans to loans | 0.3377% | 5,377 |
| Net loans and leases to total assets | 69.5851% | 2,034 |
| Net loans and leases to deposits | 82.5004% | 2,074 |
| Net loans and leases to core deposits | 92.9411% | 1,679 |
| Total domestic deposits to total assets | 84.3452% | 4,047 |
| Equity capital to assets | 15.4646% | 632 |
| Core capital (leverage) ratio | 15.7972% | 521 |
| Tier 1 risk-based capital ratio | 18.9877% | 1,995 |
| Total risk-based capital ratio | 19.7105% | 2,126 |
| Memoranda: | ||
| Average total assets | $111,790,500 | 4,510 |
| Average earning assets | $102,925,250 | 4,478 |
| Average equity | $16,999,000 | 3,603 |
| Average total loans | $78,349,000 | 4,017 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 1,330 |
| Cost of funding earning assets | 0.6685% | 2,332 |
| Net interest margin | 4.1295% | 1,466 |
| Noninterest income to average assets | 0.5040% | 3,803 |
| Noninterest expense to average assets | 2.1589% | 5,727 |
| Loan and lease loss provision to assets | 0.3038% | 1,183 |
| Net operating income to assets | 1.3689% | 1,144 |
| Return on assets (ROA) | 1.3689% | 1,227 |
| Pretax return on assets | 1.8390% | 844 |
| Return on Equity (ROE) | 9.0537% | 2,585 |
| Retained earnings to average equity (ytd only) | 7.1626% | 1,814 |
| Net charge-offs to loans | 0.3699% | 1,724 |
| Credit loss provision to net charge-offs | 117.2414% | 1,891 |
| Earnings coverage of net charge-offs (x) | 8.2690% | 2,429 |
| Efficiency ratio | 50.1870% | 6,415 |
| Assets per employee ($millions) | 5.0529% | 2,051 |
| Cash dividends to net income (ytd only)* | 20.8877% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 5,904 |
| Loan loss allowance to noncurrent loans | 97.4359% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4942% | 2,863 |
| Noncurrent loans to loans | 1.0035% | 3,928 |
| Net loans and leases to total assets | 69.2416% | 2,026 |
| Net loans and leases to deposits | 82.0263% | 2,060 |
| Net loans and leases to core deposits | 94.6706% | 1,464 |
| Total domestic deposits to total assets | 84.4139% | 4,162 |
| Equity capital to assets | 15.3135% | 652 |
| Core capital (leverage) ratio | 15.4482% | 532 |
| Tier 1 risk-based capital ratio | 18.6925% | 2,088 |
| Total risk-based capital ratio | 19.5517% | 2,174 |
| Memoranda: | ||
| Average total assets | $111,911,000 | 4,540 |
| Average earning assets | $102,917,330 | 4,499 |
| Average equity | $16,921,330 | 3,634 |
| Average total loans | $78,405,000 | 4,029 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 1,356 |
| Cost of funding earning assets | 0.6730% | 2,461 |
| Net interest margin | 4.0958% | 1,475 |
| Noninterest income to average assets | 0.3954% | 4,495 |
| Noninterest expense to average assets | 2.2443% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5461% | 770 |
| Return on assets (ROA) | 1.5461% | 846 |
| Pretax return on assets | 1.9451% | 669 |
| Return on Equity (ROE) | 10.2902% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.2902% | 1,037 |
| Net charge-offs to loans | 0.7417% | 820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.7397% | 2,689 |
| Efficiency ratio | 53.5714% | 6,259 |
| Assets per employee ($millions) | 5.0774% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 6,522 |
| Loan loss allowance to noncurrent loans | 76.4935% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.4780% | 3,044 |
| Noncurrent loans to loans | 0.9905% | 4,148 |
| Net loans and leases to total assets | 69.0695% | 1,834 |
| Net loans and leases to deposits | 81.8624% | 1,849 |
| Net loans and leases to core deposits | 89.5741% | 1,742 |
| Total domestic deposits to total assets | 84.3727% | 4,324 |
| Equity capital to assets | 15.3023% | 682 |
| Core capital (leverage) ratio | 15.1598% | 569 |
| Tier 1 risk-based capital ratio | 18.6138% | 2,152 |
| Total risk-based capital ratio | 19.2838% | 2,310 |
| Memoranda: | ||
| Average total assets | $112,285,000 | 4,571 |
| Average earning assets | $104,008,000 | 4,517 |
| Average equity | $16,870,500 | 3,688 |
| Average total loans | $78,742,000 | 4,044 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 1,961 |
| Cost of funding earning assets | 0.7177% | 3,346 |
| Net interest margin | 4.1491% | 1,823 |
| Noninterest income to average assets | 0.4910% | 3,957 |
| Noninterest expense to average assets | 2.3281% | 5,614 |
| Loan and lease loss provision to assets | 0.3370% | 1,994 |
| Net operating income to assets | 1.2488% | 1,452 |
| Return on assets (ROA) | 1.3190% | 1,388 |
| Pretax return on assets | 1.8072% | 908 |
| Return on Equity (ROE) | 8.4690% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.6639% | 1,739 |
| Net charge-offs to loans | 0.0226% | 5,589 |
| Credit loss provision to net charge-offs | 2,187.5000% | 108 |
| Earnings coverage of net charge-offs (x) | 132.9375% | 308 |
| Efficiency ratio | 53.2013% | 6,357 |
| Assets per employee ($millions) | 5.1304% | 2,064 |
| Cash dividends to net income (ytd only)* | 21.3139% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 6,217 |
| Loan loss allowance to noncurrent loans | 39.7512% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 1.6382% | 2,948 |
| Noncurrent loans to loans | 2.3187% | 2,327 |
| Net loans and leases to total assets | 70.0004% | 1,840 |
| Net loans and leases to deposits | 82.6867% | 1,912 |
| Net loans and leases to core deposits | 91.4233% | 1,683 |
| Total domestic deposits to total assets | 84.6573% | 4,011 |
| Equity capital to assets | 14.7500% | 807 |
| Core capital (leverage) ratio | 15.2806% | 529 |
| Tier 1 risk-based capital ratio | 18.0088% | 2,259 |
| Total risk-based capital ratio | 18.8398% | 2,388 |
| Memoranda: | ||
| Average total assets | $103,863,000 | 4,738 |
| Average earning assets | $97,250,800 | 4,659 |
| Average equity | $16,176,600 | 3,750 |
| Average total loans | $70,729,400 | 4,337 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 2,344 |
| Cost of funding earning assets | 0.7269% | 3,543 |
| Net interest margin | 4.0868% | 2,139 |
| Noninterest income to average assets | 0.3818% | 4,767 |
| Noninterest expense to average assets | 2.2818% | 5,734 |
| Loan and lease loss provision to assets | 0.4593% | 1,354 |
| Net operating income to assets | 1.1567% | 1,879 |
| Return on assets (ROA) | 1.2570% | 1,715 |
| Pretax return on assets | 1.6126% | 1,533 |
| Return on Equity (ROE) | 7.9539% | 3,302 |
| Retained earnings to average equity (ytd only) | 6.7417% | 2,255 |
| Net charge-offs to loans | 0.0662% | 4,759 |
| Credit loss provision to net charge-offs | 1,029.4118% | 272 |
| Earnings coverage of net charge-offs (x) | 43.5610% | 825 |
| Efficiency ratio | 54.0062% | 6,246 |
| Assets per employee ($millions) | 4.8836% | 2,339 |
| Cash dividends to net income (ytd only)* | 15.2400% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 6,262 |
| Loan loss allowance to noncurrent loans | 29.9374% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 2.2292% | 2,393 |
| Noncurrent loans to loans | 3.1569% | 1,753 |
| Net loans and leases to total assets | 69.9442% | 1,909 |
| Net loans and leases to deposits | 83.0870% | 1,990 |
| Net loans and leases to core deposits | 92.5400% | 1,729 |
| Total domestic deposits to total assets | 84.1819% | 4,133 |
| Equity capital to assets | 15.2764% | 759 |
| Core capital (leverage) ratio | 15.1854% | 580 |
| Tier 1 risk-based capital ratio | 18.6043% | 2,131 |
| Total risk-based capital ratio | 19.4560% | 2,242 |
| Memoranda: | ||
| Average total assets | $101,611,750 | 4,835 |
| Average earning assets | $95,557,000 | 4,750 |
| Average equity | $16,058,750 | 3,807 |
| Average total loans | $68,476,000 | 4,448 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 2,452 |
| Cost of funding earning assets | 0.7215% | 3,835 |
| Net interest margin | 4.0905% | 2,128 |
| Noninterest income to average assets | 0.3371% | 5,131 |
| Noninterest expense to average assets | 2.3117% | 5,700 |
| Loan and lease loss provision to assets | 0.7023% | 779 |
| Net operating income to assets | 0.9193% | 2,812 |
| Return on assets (ROA) | 1.0695% | 2,389 |
| Pretax return on assets | 1.3725% | 2,315 |
| Return on Equity (ROE) | 6.6873% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.8555% | 3,365 |
| Net charge-offs to loans | 0.0697% | 4,455 |
| Credit loss provision to net charge-offs | 1,521.7391% | 215 |
| Earnings coverage of net charge-offs (x) | 40.7826% | 858 |
| Efficiency ratio | 55.1196% | 6,214 |
| Assets per employee ($millions) | 4.6072% | 2,709 |
| Cash dividends to net income (ytd only)* | 27.3921% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 6,025 |
| Loan loss allowance to noncurrent loans | 41.3636% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.7364% | 3,123 |
| Noncurrent loans to loans | 2.4949% | 2,415 |
| Net loans and leases to total assets | 68.8806% | 2,124 |
| Net loans and leases to deposits | 82.2768% | 2,080 |
| Net loans and leases to core deposits | 95.7026% | 1,453 |
| Total domestic deposits to total assets | 83.7181% | 4,431 |
| Equity capital to assets | 15.8004% | 620 |
| Core capital (leverage) ratio | 15.4104% | 535 |
| Tier 1 risk-based capital ratio | 19.7346% | 1,776 |
| Total risk-based capital ratio | 20.6772% | 1,838 |
| Memoranda: | ||
| Average total assets | $99,669,000 | 4,906 |
| Average earning assets | $93,973,670 | 4,818 |
| Average equity | $15,940,670 | 3,812 |
| Average total loans | $66,013,000 | 4,562 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 2,595 |
| Cost of funding earning assets | 0.7394% | 3,948 |
| Net interest margin | 4.0708% | 2,213 |
| Noninterest income to average assets | 0.4533% | 4,272 |
| Noninterest expense to average assets | 2.4164% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4531% | 1,113 |
| Return on assets (ROA) | 1.4531% | 1,244 |
| Pretax return on assets | 1.8700% | 935 |
| Return on Equity (ROE) | 9.0295% | 2,813 |
| Retained earnings to average equity (ytd only) | 9.0295% | 1,583 |
| Net charge-offs to loans | 0.1443% | 3,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 20.0870% | 1,200 |
| Efficiency ratio | 56.3739% | 6,085 |
| Assets per employee ($millions) | 4.6614% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 7,017 |
| Loan loss allowance to noncurrent loans | 37.6869% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 4,444 |
| Noncurrent loans to loans | 1.4956% | 3,878 |
| Net loans and leases to total assets | 68.1234% | 2,091 |
| Net loans and leases to deposits | 82.4964% | 1,863 |
| Net loans and leases to core deposits | 92.7663% | 1,574 |
| Total domestic deposits to total assets | 82.5774% | 5,089 |
| Equity capital to assets | 16.3357% | 523 |
| Core capital (leverage) ratio | 15.2708% | 562 |
| Tier 1 risk-based capital ratio | 20.2726% | 1,644 |
| Total risk-based capital ratio | 20.7763% | 1,804 |
| Memoranda: | ||
| Average total assets | $98,824,500 | 4,958 |
| Average earning assets | $93,054,000 | 4,877 |
| Average equity | $15,903,500 | 3,829 |
| Average total loans | $63,747,500 | 4,671 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 2,816 |
| Cost of funding earning assets | 0.8786% | 4,263 |
| Net interest margin | 4.1357% | 2,282 |
| Noninterest income to average assets | 0.5251% | 3,679 |
| Noninterest expense to average assets | 2.4381% | 5,669 |
| Loan and lease loss provision to assets | 0.1588% | 4,641 |
| Net operating income to assets | 1.2736% | 1,309 |
| Return on assets (ROA) | 1.2736% | 1,413 |
| Pretax return on assets | 1.7203% | 947 |
| Return on Equity (ROE) | 7.9631% | 2,925 |
| Retained earnings to average equity (ytd only) | 6.3083% | 1,849 |
| Net charge-offs to loans | 0.1398% | 5,029 |
| Credit loss provision to net charge-offs | 182.9268% | 1,407 |
| Earnings coverage of net charge-offs (x) | 21.6463% | 1,083 |
| Efficiency ratio | 56.4738% | 6,252 |
| Assets per employee ($millions) | 4.7504% | 2,515 |
| Cash dividends to net income (ytd only)* | 20.7814% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 6,949 |
| Loan loss allowance to noncurrent loans | 44.6051% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9012% | 4,812 |
| Noncurrent loans to loans | 1.4876% | 3,917 |
| Net loans and leases to total assets | 60.1750% | 3,961 |
| Net loans and leases to deposits | 71.8982% | 3,812 |
| Net loans and leases to core deposits | 80.5221% | 3,384 |
| Total domestic deposits to total assets | 83.6947% | 4,452 |
| Equity capital to assets | 15.8542% | 600 |
| Core capital (leverage) ratio | 15.6912% | 499 |
| Tier 1 risk-based capital ratio | 20.9985% | 1,409 |
| Total risk-based capital ratio | 21.5654% | 1,540 |
| Memoranda: | ||
| Average total assets | $94,458,800 | 5,065 |
| Average earning assets | $86,611,200 | 5,042 |
| Average equity | $15,107,200 | 3,885 |
| Average total loans | $58,670,800 | 4,915 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 2,732 |
| Cost of funding earning assets | 0.9192% | 4,280 |
| Net interest margin | 4.1560% | 2,256 |
| Noninterest income to average assets | 0.5011% | 3,864 |
| Noninterest expense to average assets | 2.4079% | 5,746 |
| Loan and lease loss provision to assets | 0.2147% | 3,874 |
| Net operating income to assets | 1.2741% | 1,444 |
| Return on assets (ROA) | 1.2741% | 1,551 |
| Pretax return on assets | 1.6649% | 1,218 |
| Return on Equity (ROE) | 7.9480% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.8942% | 2,031 |
| Net charge-offs to loans | 0.1878% | 4,297 |
| Credit loss provision to net charge-offs | 182.9268% | 1,619 |
| Earnings coverage of net charge-offs (x) | 16.0123% | 1,424 |
| Efficiency ratio | 56.1603% | 6,262 |
| Assets per employee ($millions) | 4.3196% | 3,239 |
| Cash dividends to net income (ytd only)* | 13.2584% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 6,966 |
| Loan loss allowance to noncurrent loans | 40.7520% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 4,688 |
| Noncurrent loans to loans | 1.7125% | 3,743 |
| Net loans and leases to total assets | 60.0425% | 4,119 |
| Net loans and leases to deposits | 72.1964% | 3,953 |
| Net loans and leases to core deposits | 78.5958% | 3,816 |
| Total domestic deposits to total assets | 83.1655% | 4,619 |
| Equity capital to assets | 16.3883% | 569 |
| Core capital (leverage) ratio | 15.8176% | 529 |
| Tier 1 risk-based capital ratio | 21.8202% | 1,321 |
| Total risk-based capital ratio | 22.4146% | 1,404 |
| Memoranda: | ||
| Average total assets | $93,133,750 | 5,134 |
| Average earning assets | $84,854,750 | 5,127 |
| Average equity | $14,930,000 | 3,932 |
| Average total loans | $58,230,750 | 4,985 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 2,647 |
| Cost of funding earning assets | 0.9361% | 4,418 |
| Net interest margin | 4.1711% | 2,156 |
| Noninterest income to average assets | 0.4757% | 4,059 |
| Noninterest expense to average assets | 2.4324% | 5,747 |
| Loan and lease loss provision to assets | 0.3243% | 2,845 |
| Net operating income to assets | 1.1978% | 1,578 |
| Return on assets (ROA) | 1.1978% | 1,660 |
| Pretax return on assets | 1.5438% | 1,392 |
| Return on Equity (ROE) | 7.5296% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.9258% | 2,478 |
| Net charge-offs to loans | 0.1436% | 4,333 |
| Credit loss provision to net charge-offs | 357.1429% | 857 |
| Earnings coverage of net charge-offs (x) | 20.5714% | 1,185 |
| Efficiency ratio | 56.5611% | 6,352 |
| Assets per employee ($millions) | 4.1616% | 3,425 |
| Cash dividends to net income (ytd only)* | 21.2996% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 6,942 |
| Loan loss allowance to noncurrent loans | 46.1860% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0453% | 4,792 |
| Noncurrent loans to loans | 1.6441% | 3,944 |
| Net loans and leases to total assets | 63.0936% | 3,660 |
| Net loans and leases to deposits | 75.7607% | 3,523 |
| Net loans and leases to core deposits | 82.7321% | 3,398 |
| Total domestic deposits to total assets | 83.2802% | 4,646 |
| Equity capital to assets | 16.4315% | 552 |
| Core capital (leverage) ratio | 15.7961% | 529 |
| Tier 1 risk-based capital ratio | 21.5112% | 1,325 |
| Total risk-based capital ratio | 22.1722% | 1,416 |
| Memoranda: | ||
| Average total assets | $92,501,330 | 5,190 |
| Average earning assets | $84,822,330 | 5,168 |
| Average equity | $14,715,330 | 3,956 |
| Average total loans | $58,487,670 | 5,033 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 2,554 |
| Cost of funding earning assets | 0.9512% | 4,555 |
| Net interest margin | 4.1692% | 2,002 |
| Noninterest income to average assets | 0.4474% | 4,312 |
| Noninterest expense to average assets | 2.5297% | 5,450 |
| Loan and lease loss provision to assets | 0.5163% | 1,683 |
| Net operating income to assets | 0.8260% | 2,902 |
| Return on assets (ROA) | 0.8260% | 2,964 |
| Pretax return on assets | 1.1917% | 2,407 |
| Return on Equity (ROE) | 5.2780% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.2780% | 3,021 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6954% | 6,028 |
| Assets per employee ($millions) | 4.0610% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 6,960 |
| Loan loss allowance to noncurrent loans | 49.4553% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 4,941 |
| Noncurrent loans to loans | 1.5720% | 4,119 |
| Net loans and leases to total assets | 62.0372% | 3,850 |
| Net loans and leases to deposits | 74.8118% | 3,631 |
| Net loans and leases to core deposits | 77.2401% | 4,123 |
| Total domestic deposits to total assets | 82.9243% | 4,961 |
| Equity capital to assets | 15.7224% | 620 |
| Core capital (leverage) ratio | 15.8712% | 526 |
| Tier 1 risk-based capital ratio | 21.1346% | 1,368 |
| Total risk-based capital ratio | 21.8101% | 1,447 |
| Memoranda: | ||
| Average total assets | $92,974,000 | 5,208 |
| Average earning assets | $84,524,000 | 5,209 |
| Average equity | $14,551,000 | 3,983 |
| Average total loans | $58,627,500 | 5,062 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2355% | 3,432 |
| Cost of funding earning assets | 1.1662% | 4,761 |
| Net interest margin | 4.0693% | 2,710 |
| Noninterest income to average assets | 0.5506% | 3,822 |
| Noninterest expense to average assets | 3.1735% | 3,178 |
| Loan and lease loss provision to assets | 0.1159% | 5,998 |
| Net operating income to assets | 0.8473% | 2,601 |
| Return on assets (ROA) | 0.8473% | 2,739 |
| Pretax return on assets | 1.0629% | 2,722 |
| Return on Equity (ROE) | 5.1097% | 4,024 |
| Retained earnings to average equity (ytd only) | 3.8515% | 3,165 |
| Net charge-offs to loans | 0.2028% | 5,073 |
| Credit loss provision to net charge-offs | 92.5926% | 5,013 |
| Earnings coverage of net charge-offs (x) | 9.4167% | 1,825 |
| Efficiency ratio | 72.9161% | 3,613 |
| Assets per employee ($millions) | 4.4070% | 3,012 |
| Cash dividends to net income (ytd only)* | 24.6238% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5675% | 7,300 |
| Loan loss allowance to noncurrent loans | 102.7692% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 6,380 |
| Noncurrent loans to loans | 0.5522% | 5,946 |
| Net loans and leases to total assets | 63.2367% | 4,024 |
| Net loans and leases to deposits | 77.0516% | 3,673 |
| Net loans and leases to core deposits | 83.5565% | 3,655 |
| Total domestic deposits to total assets | 82.0705% | 5,165 |
| Equity capital to assets | 15.5782% | 665 |
| Core capital (leverage) ratio | 15.5096% | 582 |
| Tier 1 risk-based capital ratio | 21.0900% | 1,305 |
| Total risk-based capital ratio | 21.5927% | 1,405 |
| Memoranda: | ||
| Average total assets | $86,276,800 | 5,401 |
| Average earning assets | $80,603,200 | 5,324 |
| Average equity | $14,306,000 | 4,068 |
| Average total loans | $53,255,800 | 5,344 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 3,845 |
| Cost of funding earning assets | 1.2080% | 4,822 |
| Net interest margin | 3.9891% | 3,152 |
| Noninterest income to average assets | 0.5226% | 4,007 |
| Noninterest expense to average assets | 3.3384% | 2,459 |
| Loan and lease loss provision to assets | 0.1181% | 5,846 |
| Net operating income to assets | 0.6925% | 3,450 |
| Return on assets (ROA) | 0.6925% | 3,609 |
| Pretax return on assets | 0.8137% | 3,852 |
| Return on Equity (ROE) | 4.1087% | 4,721 |
| Retained earnings to average equity (ytd only) | 3.4083% | 4,050 |
| Net charge-offs to loans | 0.3214% | 4,054 |
| Credit loss provision to net charge-offs | 60.0000% | 5,688 |
| Earnings coverage of net charge-offs (x) | 4.7360% | 2,941 |
| Efficiency ratio | 78.1791% | 2,603 |
| Assets per employee ($millions) | 4.4885% | 2,927 |
| Cash dividends to net income (ytd only)* | 17.0459% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4988% | 7,458 |
| Loan loss allowance to noncurrent loans | 96.3696% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 6,540 |
| Noncurrent loans to loans | 0.5176% | 6,162 |
| Net loans and leases to total assets | 64.8858% | 3,931 |
| Net loans and leases to deposits | 77.8228% | 3,859 |
| Net loans and leases to core deposits | 84.3147% | 3,894 |
| Total domestic deposits to total assets | 83.3764% | 4,424 |
| Equity capital to assets | 16.3707% | 607 |
| Core capital (leverage) ratio | 16.2285% | 526 |
| Tier 1 risk-based capital ratio | 21.4747% | 1,289 |
| Total risk-based capital ratio | 21.9228% | 1,394 |
| Memoranda: | ||
| Average total assets | $84,709,500 | 5,514 |
| Average earning assets | $79,581,000 | 5,424 |
| Average equity | $14,278,250 | 4,140 |
| Average total loans | $51,855,500 | 5,488 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 3,901 |
| Cost of funding earning assets | 1.2640% | 4,752 |
| Net interest margin | 3.9460% | 3,252 |
| Noninterest income to average assets | 0.4842% | 4,246 |
| Noninterest expense to average assets | 3.6520% | 1,663 |
| Loan and lease loss provision to assets | 0.1204% | 5,699 |
| Net operating income to assets | 0.1277% | 5,789 |
| Return on assets (ROA) | 0.1277% | 5,894 |
| Pretax return on assets | 0.4119% | 5,189 |
| Return on Equity (ROE) | 0.7497% | 6,017 |
| Retained earnings to average equity (ytd only) | -0.3112% | 5,795 |
| Net charge-offs to loans | 0.5320% | 2,939 |
| Credit loss provision to net charge-offs | 37.8788% | 5,636 |
| Earnings coverage of net charge-offs (x) | 1.6742% | 4,254 |
| Efficiency ratio | 87.2769% | 1,582 |
| Assets per employee ($millions) | 3.9793% | 3,810 |
| Cash dividends to net income (ytd only)* | 141.5094% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5082% | 7,497 |
| Loan loss allowance to noncurrent loans | 76.2463% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 6,424 |
| Noncurrent loans to loans | 0.6665% | 5,920 |
| Net loans and leases to total assets | 60.9099% | 4,883 |
| Net loans and leases to deposits | 74.3641% | 4,617 |
| Net loans and leases to core deposits | 77.4074% | 5,036 |
| Total domestic deposits to total assets | 81.9077% | 5,025 |
| Equity capital to assets | 16.8717% | 547 |
| Core capital (leverage) ratio | 16.2282% | 538 |
| Tier 1 risk-based capital ratio | 23.5783% | 988 |
| Total risk-based capital ratio | 24.0288% | 1,074 |
| Memoranda: | ||
| Average total assets | $83,022,670 | 5,595 |
| Average earning assets | $77,851,000 | 5,513 |
| Average equity | $14,139,000 | 4,171 |
| Average total loans | $49,627,330 | 5,624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 4,361 |
| Cost of funding earning assets | 1.2726% | 4,982 |
| Net interest margin | 3.8642% | 3,489 |
| Noninterest income to average assets | 0.4834% | 4,175 |
| Noninterest expense to average assets | 3.4900% | 2,012 |
| Loan and lease loss provision to assets | 0.1208% | 5,374 |
| Net operating income to assets | 0.2030% | 5,676 |
| Return on assets (ROA) | 0.2030% | 5,794 |
| Pretax return on assets | 0.4979% | 4,969 |
| Return on Equity (ROE) | 1.1865% | 6,067 |
| Retained earnings to average equity (ytd only) | 1.1865% | 5,342 |
| Net charge-offs to loans | 0.4093% | 2,817 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 2.5600% | 3,260 |
| Efficiency ratio | 84.9412% | 1,915 |
| Assets per employee ($millions) | 3.9239% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6434% | 7,438 |
| Loan loss allowance to noncurrent loans | 26.2063% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 4,314 |
| Noncurrent loans to loans | 2.4550% | 3,217 |
| Net loans and leases to total assets | 59.0350% | 5,282 |
| Net loans and leases to deposits | 71.5645% | 5,115 |
| Net loans and leases to core deposits | 73.4667% | 5,553 |
| Total domestic deposits to total assets | 82.4919% | 4,856 |
| Equity capital to assets | 17.1901% | 510 |
| Core capital (leverage) ratio | 16.4822% | 511 |
| Tier 1 risk-based capital ratio | 24.2884% | 936 |
| Total risk-based capital ratio | 24.8498% | 976 |
| Memoranda: | ||
| Average total assets | $82,751,000 | 5,671 |
| Average earning assets | $77,636,000 | 5,583 |
| Average equity | $14,159,000 | 4,210 |
| Average total loans | $48,861,000 | 5,717 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2431% | 5,443 |
| Cost of funding earning assets | 1.5374% | 5,350 |
| Net interest margin | 3.7057% | 4,119 |
| Noninterest income to average assets | 0.6313% | 3,416 |
| Noninterest expense to average assets | 2.9601% | 4,303 |
| Loan and lease loss provision to assets | 0.3706% | 4,564 |
| Net operating income to assets | 0.7116% | 2,888 |
| Return on assets (ROA) | 0.7116% | 2,951 |
| Pretax return on assets | 0.8055% | 3,227 |
| Return on Equity (ROE) | 4.1341% | 4,031 |
| Retained earnings to average equity (ytd only) | 2.6125% | 3,317 |
| Net charge-offs to loans | 1.8859% | 1,319 |
| Credit loss provision to net charge-offs | 31.6790% | 6,886 |
| Earnings coverage of net charge-offs (x) | 1.0053% | 5,109 |
| Efficiency ratio | 71.5651% | 4,342 |
| Assets per employee ($millions) | 3.9571% | 3,903 |
| Cash dividends to net income (ytd only)* | 36.8056% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 7,381 |
| Loan loss allowance to noncurrent loans | 19.0929% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 2.2623% | 3,049 |
| Noncurrent loans to loans | 3.6628% | 2,053 |
| Net loans and leases to total assets | 58.2671% | 5,618 |
| Net loans and leases to deposits | 70.5996% | 5,524 |
| Net loans and leases to core deposits | 74.8285% | 6,483 |
| Total domestic deposits to total assets | 82.5319% | 4,733 |
| Equity capital to assets | 17.0313% | 554 |
| Core capital (leverage) ratio | 16.5854% | 543 |
| Tier 1 risk-based capital ratio | 24.5152% | 898 |
| Total risk-based capital ratio | 25.7841% | 872 |
| Memoranda: | ||
| Average total assets | $80,943,400 | 5,701 |
| Average earning assets | $76,557,800 | 5,578 |
| Average equity | $13,932,800 | 4,270 |
| Average total loans | $50,215,400 | 5,661 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2934% | 5,457 |
| Cost of funding earning assets | 1.5858% | 5,466 |
| Net interest margin | 3.7077% | 4,035 |
| Noninterest income to average assets | 0.6749% | 3,183 |
| Noninterest expense to average assets | 2.7096% | 5,279 |
| Loan and lease loss provision to assets | 0.4975% | 3,410 |
| Net operating income to assets | 0.7777% | 2,903 |
| Return on assets (ROA) | 0.7777% | 2,966 |
| Pretax return on assets | 0.9883% | 2,942 |
| Return on Equity (ROE) | 4.5059% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.4779% | 3,348 |
| Net charge-offs to loans | 2.2433% | 853 |
| Credit loss provision to net charge-offs | 35.2526% | 6,468 |
| Earnings coverage of net charge-offs (x) | 1.0529% | 5,001 |
| Efficiency ratio | 64.5850% | 5,640 |
| Assets per employee ($millions) | 3.9517% | 3,826 |
| Cash dividends to net income (ytd only)* | 22.8139% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 6,647 |
| Loan loss allowance to noncurrent loans | 32.0147% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 3,893 |
| Noncurrent loans to loans | 2.8943% | 2,631 |
| Net loans and leases to total assets | 56.3054% | 6,110 |
| Net loans and leases to deposits | 68.4375% | 6,095 |
| Net loans and leases to core deposits | 72.4598% | 6,819 |
| Total domestic deposits to total assets | 82.2727% | 4,556 |
| Equity capital to assets | 17.0778% | 622 |
| Core capital (leverage) ratio | 16.8519% | 572 |
| Tier 1 risk-based capital ratio | 25.5640% | 851 |
| Total risk-based capital ratio | 27.2780% | 801 |
| Memoranda: | ||
| Average total assets | $80,404,250 | 5,748 |
| Average earning assets | $76,344,750 | 5,620 |
| Average equity | $13,877,750 | 4,317 |
| Average total loans | $50,579,000 | 5,687 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5586% | 4,292 |
| Cost of funding earning assets | 1.6109% | 5,704 |
| Net interest margin | 3.9477% | 2,898 |
| Noninterest income to average assets | 0.7744% | 2,558 |
| Noninterest expense to average assets | 2.7658% | 5,110 |
| Loan and lease loss provision to assets | 0.7543% | 2,177 |
| Net operating income to assets | 0.3344% | 4,742 |
| Return on assets (ROA) | 0.3344% | 4,854 |
| Pretax return on assets | 1.0007% | 3,008 |
| Return on Equity (ROE) | 1.9304% | 5,327 |
| Retained earnings to average equity (ytd only) | 0.3774% | 5,065 |
| Net charge-offs to loans | 2.1656% | 851 |
| Credit loss provision to net charge-offs | 53.5714% | 5,711 |
| Earnings coverage of net charge-offs (x) | 1.2464% | 4,601 |
| Efficiency ratio | 61.1791% | 6,370 |
| Assets per employee ($millions) | 3.7520% | 4,214 |
| Cash dividends to net income (ytd only)* | 80.4511% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 3,293 |
| Loan loss allowance to noncurrent loans | 47.9263% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 3,305 |
| Noncurrent loans to loans | 3.0927% | 2,320 |
| Net loans and leases to total assets | 61.4123% | 5,453 |
| Net loans and leases to deposits | 74.5739% | 5,367 |
| Net loans and leases to core deposits | 79.2986% | 6,466 |
| Total domestic deposits to total assets | 82.3510% | 4,543 |
| Equity capital to assets | 17.3190% | 623 |
| Core capital (leverage) ratio | 16.8907% | 627 |
| Tier 1 risk-based capital ratio | 23.9496% | 1,040 |
| Total risk-based capital ratio | 25.1995% | 1,018 |
| Memoranda: | ||
| Average total assets | $79,544,000 | 5,813 |
| Average earning assets | $75,487,000 | 5,693 |
| Average equity | $13,779,670 | 4,361 |
| Average total loans | $51,718,000 | 5,688 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 4,269 |
| Cost of funding earning assets | 1.6129% | 5,978 |
| Net interest margin | 4.0007% | 2,640 |
| Noninterest income to average assets | 0.7407% | 2,650 |
| Noninterest expense to average assets | 2.4324% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4515% | 1,042 |
| Return on assets (ROA) | 1.4515% | 1,115 |
| Pretax return on assets | 2.1071% | 533 |
| Return on Equity (ROE) | 8.3776% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.3776% | 1,672 |
| Net charge-offs to loans | 0.0528% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 60.1429% | 648 |
| Efficiency ratio | 53.5832% | 7,261 |
| Assets per employee ($millions) | 3.7753% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 1,671 |
| Loan loss allowance to noncurrent loans | 48.9765% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.5265% | 2,270 |
| Noncurrent loans to loans | 3.8354% | 1,601 |
| Net loans and leases to total assets | 64.6347% | 4,877 |
| Net loans and leases to deposits | 79.1777% | 4,744 |
| Net loans and leases to core deposits | 83.7345% | 6,077 |
| Total domestic deposits to total assets | 81.6324% | 4,705 |
| Equity capital to assets | 17.6839% | 645 |
| Core capital (leverage) ratio | 17.2460% | 629 |
| Tier 1 risk-based capital ratio | 23.7755% | 1,109 |
| Total risk-based capital ratio | 25.0308% | 1,082 |
| Memoranda: | ||
| Average total assets | $79,920,000 | 5,827 |
| Average earning assets | $75,887,500 | 5,702 |
| Average equity | $13,846,500 | 4,371 |
| Average total loans | $53,019,000 | 5,670 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0310% | 5,408 |
| Cost of funding earning assets | 1.9648% | 6,524 |
| Net interest margin | 4.0662% | 2,845 |
| Noninterest income to average assets | 0.5010% | 4,606 |
| Noninterest expense to average assets | 2.7240% | 5,159 |
| Loan and lease loss provision to assets | 0.5539% | 2,601 |
| Net operating income to assets | 0.8580% | 3,189 |
| Return on assets (ROA) | 0.8580% | 3,034 |
| Pretax return on assets | 1.0672% | 3,150 |
| Return on Equity (ROE) | 5.1965% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.2283% | 3,140 |
| Net charge-offs to loans | -0.0739% | 8,060 |
| Credit loss provision to net charge-offs | -1,153.8462% | 7,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6912% | 5,829 |
| Assets per employee ($millions) | 3.6618% | 4,260 |
| Cash dividends to net income (ytd only)* | 37.8766% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 1,556 |
| Loan loss allowance to noncurrent loans | 46.8691% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.6167% | 1,830 |
| Noncurrent loans to loans | 3.9172% | 1,258 |
| Net loans and leases to total assets | 65.5743% | 4,939 |
| Net loans and leases to deposits | 79.2457% | 5,164 |
| Net loans and leases to core deposits | 83.7989% | 6,305 |
| Total domestic deposits to total assets | 82.7480% | 3,878 |
| Equity capital to assets | 16.9727% | 783 |
| Core capital (leverage) ratio | 17.1073% | 688 |
| Tier 1 risk-based capital ratio | 22.8515% | 1,213 |
| Total risk-based capital ratio | 24.3440% | 1,156 |
| Memoranda: | ||
| Average total assets | $81,240,000 | 5,652 |
| Average earning assets | $76,803,200 | 5,555 |
| Average equity | $13,412,800 | 4,470 |
| Average total loans | $52,806,000 | 5,593 |