Home > Walcott Trust and Savings Bank > Performance and Condition Ratios
Walcott Trust and Savings Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 2,665 |
| Cost of funding earning assets | 0.5844% | 3,512 |
| Net interest margin | 3.8021% | 1,968 |
| Noninterest income to average assets | 0.2312% | 4,164 |
| Noninterest expense to average assets | 2.1100% | 4,200 |
| Loan and lease loss provision to assets | 0.0849% | 2,631 |
| Net operating income to assets | 1.1560% | 1,670 |
| Return on assets (ROA) | 1.1560% | 1,778 |
| Pretax return on assets | 1.5013% | 1,301 |
| Return on Equity (ROE) | 8.9435% | 2,133 |
| Retained earnings to average equity (ytd only) | 8.9435% | 991 |
| Net charge-offs to loans | 0.0399% | 1,640 |
| Credit loss provision to net charge-offs | 322.2222% | 1,125 |
| Earnings coverage of net charge-offs (x) | 60.2222% | 802 |
| Efficiency ratio | 54.3943% | 4,368 |
| Assets per employee ($millions) | 5.3419% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0231% | 5,063 |
| Loan loss allowance to noncurrent loans | 3.1104% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 2,562 |
| Noncurrent loans to loans | 0.7414% | 2,149 |
| Net loans and leases to total assets | 64.9277% | 2,949 |
| Net loans and leases to deposits | 78.8378% | 2,792 |
| Net loans and leases to core deposits | 86.7941% | 2,613 |
| Total domestic deposits to total assets | 82.3560% | 3,316 |
| Equity capital to assets | 14.2669% | 979 |
| Core capital (leverage) ratio | 9.3176% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4362% | 2,514 |
| Memoranda: | ||
| Average total assets | $136,680,000 | 3,492 |
| Average earning assets | $124,563,500 | 3,514 |
| Average equity | $17,666,500 | 3,406 |
| Average total loans | $90,218,000 | 3,391 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3796% | 5,174 |
| Cost of funding earning assets | 0.0802% | 5,124 |
| Net interest margin | 0.2994% | 5,171 |
| Noninterest income to average assets | 0.0123% | 5,108 |
| Noninterest expense to average assets | 0.2014% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0725% | 4,942 |
| Return on assets (ROA) | 0.0725% | 4,958 |
| Pretax return on assets | 0.0934% | 4,946 |
| Return on Equity (ROE) | 0.5210% | 4,960 |
| Retained earnings to average equity (ytd only) | 0.5210% | 4,540 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3246% | 2,413 |
| Assets per employee ($millions) | 5.1783% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 2,827 |
| Noncurrent loans to loans | 0.5869% | 2,423 |
| Net loans and leases to total assets | 67.0231% | 2,825 |
| Net loans and leases to deposits | 78.7957% | 2,930 |
| Net loans and leases to core deposits | 89.2006% | 2,495 |
| Total domestic deposits to total assets | 85.0593% | 2,470 |
| Equity capital to assets | 11.6441% | 2,391 |
| Core capital (leverage) ratio | 7.0407% | 5,138 |
| Tier 1 risk-based capital ratio | 9.3602% | 5,161 |
| Total risk-based capital ratio | 9.3602% | 5,167 |
| Memoranda: | ||
| Average total assets | $129,616,400 | 3,570 |
| Average earning assets | $122,247,000 | 3,532 |
| Average equity | $18,042,400 | 3,336 |
| Average total loans | $91,583,800 | 3,365 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 2,739 |
| Cost of funding earning assets | 1.0053% | 1,741 |
| Net interest margin | 3.5907% | 3,275 |
| Noninterest income to average assets | 0.3190% | 3,838 |
| Noninterest expense to average assets | 2.9034% | 2,257 |
| Loan and lease loss provision to assets | 0.0157% | 3,596 |
| Net operating income to assets | 0.6518% | 4,157 |
| Return on assets (ROA) | 0.4260% | 4,704 |
| Pretax return on assets | 0.5320% | 4,651 |
| Return on Equity (ROE) | 2.9287% | 4,776 |
| Retained earnings to average equity (ytd only) | -18.7122% | 5,206 |
| Net charge-offs to loans | 0.0381% | 2,330 |
| Credit loss provision to net charge-offs | 57.6923% | 2,728 |
| Earnings coverage of net charge-offs (x) | 30.4194% | 1,611 |
| Efficiency ratio | 77.7684% | 1,126 |
| Assets per employee ($millions) | 4.6031% | 3,049 |
| Cash dividends to net income (ytd only)* | 738.9160% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,865 |
| Loan loss allowance to noncurrent loans | 176.1017% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 2,628 |
| Noncurrent loans to loans | 0.6425% | 2,357 |
| Net loans and leases to total assets | 73.0553% | 1,988 |
| Net loans and leases to deposits | 88.9128% | 1,824 |
| Net loans and leases to core deposits | 102.3261% | 1,471 |
| Total domestic deposits to total assets | 82.1650% | 3,428 |
| Equity capital to assets | 14.2263% | 1,066 |
| Core capital (leverage) ratio | 13.6771% | 1,086 |
| Tier 1 risk-based capital ratio | 18.4147% | 1,707 |
| Total risk-based capital ratio | 19.5123% | 1,712 |
| Memoranda: | ||
| Average total assets | $127,067,250 | 3,640 |
| Average earning assets | $120,829,000 | 3,593 |
| Average equity | $18,483,000 | 3,303 |
| Average total loans | $91,053,000 | 3,416 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 2,878 |
| Cost of funding earning assets | 1.0094% | 1,651 |
| Net interest margin | 3.5329% | 3,493 |
| Noninterest income to average assets | 0.3141% | 3,829 |
| Noninterest expense to average assets | 2.8267% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6547% | 4,150 |
| Return on assets (ROA) | 0.6547% | 4,199 |
| Pretax return on assets | 0.8344% | 4,010 |
| Return on Equity (ROE) | 4.4693% | 4,475 |
| Retained earnings to average equity (ytd only) | -27.5302% | 5,267 |
| Net charge-offs to loans | 0.0374% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 31.4118% | 1,428 |
| Efficiency ratio | 77.2087% | 1,246 |
| Assets per employee ($millions) | 4.6470% | 2,942 |
| Cash dividends to net income (ytd only)* | 715.9905% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 2,983 |
| Loan loss allowance to noncurrent loans | 166.3446% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 1,972 |
| Noncurrent loans to loans | 0.6718% | 2,286 |
| Net loans and leases to total assets | 70.2458% | 2,496 |
| Net loans and leases to deposits | 84.5679% | 2,427 |
| Net loans and leases to core deposits | 100.6253% | 1,666 |
| Total domestic deposits to total assets | 83.0643% | 3,175 |
| Equity capital to assets | 13.4626% | 1,341 |
| Core capital (leverage) ratio | 13.3728% | 1,161 |
| Tier 1 risk-based capital ratio | 18.2774% | 1,733 |
| Total risk-based capital ratio | 19.3598% | 1,732 |
| Memoranda: | ||
| Average total assets | $127,995,000 | 3,647 |
| Average earning assets | $121,261,000 | 3,605 |
| Average equity | $18,750,330 | 3,274 |
| Average total loans | $90,792,330 | 3,441 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 3,059 |
| Cost of funding earning assets | 1.0094% | 1,534 |
| Net interest margin | 3.4366% | 3,790 |
| Noninterest income to average assets | 0.3025% | 3,858 |
| Noninterest expense to average assets | 3.0756% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3939% | 4,748 |
| Return on assets (ROA) | 0.3939% | 4,760 |
| Pretax return on assets | 0.4884% | 4,713 |
| Return on Equity (ROE) | 2.5817% | 4,876 |
| Retained earnings to average equity (ytd only) | -18.0720% | 5,241 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2953% | 563 |
| Assets per employee ($millions) | 4.4840% | 3,216 |
| Cash dividends to net income (ytd only)* | 800.0000% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,763 |
| Loan loss allowance to noncurrent loans | 113.6364% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 1,979 |
| Noncurrent loans to loans | 1.0260% | 1,629 |
| Net loans and leases to total assets | 68.4490% | 2,700 |
| Net loans and leases to deposits | 83.4621% | 2,446 |
| Net loans and leases to core deposits | 100.0495% | 1,618 |
| Total domestic deposits to total assets | 82.0120% | 3,724 |
| Equity capital to assets | 14.6166% | 852 |
| Core capital (leverage) ratio | 14.9467% | 709 |
| Tier 1 risk-based capital ratio | 20.3185% | 1,280 |
| Total risk-based capital ratio | 21.4326% | 1,275 |
| Memoranda: | ||
| Average total assets | $126,934,500 | 3,695 |
| Average earning assets | $120,469,500 | 3,651 |
| Average equity | $19,367,000 | 3,217 |
| Average total loans | $89,971,500 | 3,491 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 3,417 |
| Cost of funding earning assets | 0.7092% | 2,035 |
| Net interest margin | 3.4996% | 3,705 |
| Noninterest income to average assets | 0.3075% | 4,060 |
| Noninterest expense to average assets | 2.7077% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7905% | 3,838 |
| Return on assets (ROA) | 0.6861% | 4,181 |
| Pretax return on assets | 0.7971% | 4,176 |
| Return on Equity (ROE) | 4.1925% | 4,661 |
| Retained earnings to average equity (ytd only) | -3.3725% | 5,193 |
| Net charge-offs to loans | 0.1720% | 1,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.9310% | 2,940 |
| Efficiency ratio | 74.6696% | 1,541 |
| Assets per employee ($millions) | 4.2701% | 3,509 |
| Cash dividends to net income (ytd only)* | 180.4424% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,734 |
| Loan loss allowance to noncurrent loans | 111.3468% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 1,837 |
| Noncurrent loans to loans | 1.0491% | 1,555 |
| Net loans and leases to total assets | 71.7375% | 2,307 |
| Net loans and leases to deposits | 94.6331% | 1,211 |
| Net loans and leases to core deposits | 105.8644% | 1,280 |
| Total domestic deposits to total assets | 75.8059% | 4,775 |
| Equity capital to assets | 15.9305% | 542 |
| Core capital (leverage) ratio | 15.8801% | 530 |
| Tier 1 risk-based capital ratio | 21.6999% | 1,066 |
| Total risk-based capital ratio | 22.8378% | 1,061 |
| Memoranda: | ||
| Average total assets | $125,199,400 | 3,712 |
| Average earning assets | $118,727,600 | 3,666 |
| Average equity | $20,489,000 | 3,048 |
| Average total loans | $84,284,200 | 3,587 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 3,576 |
| Cost of funding earning assets | 0.6279% | 2,284 |
| Net interest margin | 3.4888% | 3,729 |
| Noninterest income to average assets | 0.3176% | 4,024 |
| Noninterest expense to average assets | 2.5096% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8951% | 3,555 |
| Return on assets (ROA) | 0.8857% | 3,599 |
| Pretax return on assets | 1.1066% | 3,372 |
| Return on Equity (ROE) | 5.3772% | 4,452 |
| Retained earnings to average equity (ytd only) | 2.9916% | 4,241 |
| Net charge-offs to loans | -0.0402% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1745% | 2,329 |
| Assets per employee ($millions) | 4.3393% | 3,375 |
| Cash dividends to net income (ytd only)* | 44.3645% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 1,590 |
| Loan loss allowance to noncurrent loans | 1,140.1869% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 1,504 |
| Noncurrent loans to loans | 0.1255% | 4,322 |
| Net loans and leases to total assets | 66.8028% | 3,091 |
| Net loans and leases to deposits | 88.5947% | 2,076 |
| Net loans and leases to core deposits | 98.0407% | 1,927 |
| Total domestic deposits to total assets | 75.4027% | 4,847 |
| Equity capital to assets | 16.4067% | 471 |
| Core capital (leverage) ratio | 16.7141% | 439 |
| Tier 1 risk-based capital ratio | 23.3976% | 905 |
| Total risk-based capital ratio | 24.6482% | 883 |
| Memoranda: | ||
| Average total assets | $125,541,250 | 3,741 |
| Average earning assets | $119,120,500 | 3,695 |
| Average equity | $20,679,500 | 3,049 |
| Average total loans | $82,884,250 | 3,640 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 3,717 |
| Cost of funding earning assets | 0.5871% | 2,317 |
| Net interest margin | 3.4371% | 3,841 |
| Noninterest income to average assets | 0.3141% | 4,075 |
| Noninterest expense to average assets | 2.4984% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8702% | 3,582 |
| Return on assets (ROA) | 0.8562% | 3,646 |
| Pretax return on assets | 1.0650% | 3,454 |
| Return on Equity (ROE) | 5.1907% | 4,497 |
| Retained earnings to average equity (ytd only) | 1.6143% | 4,605 |
| Net charge-offs to loans | -0.0609% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7685% | 2,355 |
| Assets per employee ($millions) | 4.5169% | 3,106 |
| Cash dividends to net income (ytd only)* | 68.9013% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 1,445 |
| Loan loss allowance to noncurrent loans | 107.9646% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 1,544 |
| Noncurrent loans to loans | 1.3757% | 1,238 |
| Net loans and leases to total assets | 63.9820% | 3,402 |
| Net loans and leases to deposits | 80.3631% | 2,910 |
| Net loans and leases to core deposits | 86.6326% | 2,859 |
| Total domestic deposits to total assets | 79.6162% | 4,327 |
| Equity capital to assets | 16.2430% | 469 |
| Core capital (leverage) ratio | 16.5301% | 443 |
| Tier 1 risk-based capital ratio | 24.7320% | 758 |
| Total risk-based capital ratio | 25.9839% | 736 |
| Memoranda: | ||
| Average total assets | $125,442,000 | 3,767 |
| Average earning assets | $119,227,670 | 3,724 |
| Average equity | $20,690,670 | 3,065 |
| Average total loans | $82,084,330 | 3,676 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,544 |
| Cost of funding earning assets | 0.5594% | 2,325 |
| Net interest margin | 3.4573% | 3,681 |
| Noninterest income to average assets | 0.3106% | 4,083 |
| Noninterest expense to average assets | 2.5007% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8898% | 3,337 |
| Return on assets (ROA) | 0.8613% | 3,465 |
| Pretax return on assets | 1.0598% | 3,313 |
| Return on Equity (ROE) | 5.1819% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.1819% | 3,083 |
| Net charge-offs to loans | -0.1219% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5459% | 2,565 |
| Assets per employee ($millions) | 4.2417% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 1,528 |
| Loan loss allowance to noncurrent loans | 1,109.0909% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 4,214 |
| Noncurrent loans to loans | 0.1336% | 4,370 |
| Net loans and leases to total assets | 65.9532% | 3,038 |
| Net loans and leases to deposits | 83.6226% | 2,434 |
| Net loans and leases to core deposits | 89.1743% | 2,523 |
| Total domestic deposits to total assets | 78.8700% | 4,598 |
| Equity capital to assets | 16.8791% | 408 |
| Core capital (leverage) ratio | 16.7975% | 406 |
| Tier 1 risk-based capital ratio | 24.7885% | 765 |
| Total risk-based capital ratio | 26.0407% | 752 |
| Memoranda: | ||
| Average total assets | $124,926,500 | 3,818 |
| Average earning assets | $118,705,500 | 3,770 |
| Average equity | $20,764,500 | 3,076 |
| Average total loans | $82,056,500 | 3,712 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 3,764 |
| Cost of funding earning assets | 0.5600% | 1,884 |
| Net interest margin | 3.3292% | 4,071 |
| Noninterest income to average assets | 0.4058% | 3,601 |
| Noninterest expense to average assets | 2.5152% | 3,731 |
| Loan and lease loss provision to assets | 0.0272% | 3,745 |
| Net operating income to assets | 0.7509% | 3,388 |
| Return on assets (ROA) | 0.7532% | 3,417 |
| Pretax return on assets | 1.0384% | 3,421 |
| Return on Equity (ROE) | 4.6092% | 4,315 |
| Retained earnings to average equity (ytd only) | 2.5563% | 3,793 |
| Net charge-offs to loans | -0.3207% | 5,574 |
| Credit loss provision to net charge-offs | -13.6546% | 4,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3059% | 2,501 |
| Assets per employee ($millions) | 4.2281% | 3,614 |
| Cash dividends to net income (ytd only)* | 44.5387% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 1,539 |
| Loan loss allowance to noncurrent loans | 1,076.5766% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 4,288 |
| Noncurrent loans to loans | 0.1358% | 4,382 |
| Net loans and leases to total assets | 63.5187% | 3,419 |
| Net loans and leases to deposits | 79.9415% | 2,928 |
| Net loans and leases to core deposits | 84.9149% | 2,991 |
| Total domestic deposits to total assets | 79.4565% | 4,458 |
| Equity capital to assets | 16.3714% | 471 |
| Core capital (leverage) ratio | 16.4746% | 422 |
| Tier 1 risk-based capital ratio | 24.3008% | 794 |
| Total risk-based capital ratio | 25.5525% | 773 |
| Memoranda: | ||
| Average total assets | $125,198,400 | 3,816 |
| Average earning assets | $119,276,600 | 3,757 |
| Average equity | $20,459,000 | 3,090 |
| Average total loans | $77,652,800 | 3,796 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 3,871 |
| Cost of funding earning assets | 0.5641% | 1,783 |
| Net interest margin | 3.2748% | 4,242 |
| Noninterest income to average assets | 0.3686% | 3,890 |
| Noninterest expense to average assets | 2.3506% | 4,154 |
| Loan and lease loss provision to assets | 0.0363% | 3,384 |
| Net operating income to assets | 0.7929% | 3,546 |
| Return on assets (ROA) | 0.7960% | 3,585 |
| Pretax return on assets | 1.1059% | 3,279 |
| Return on Equity (ROE) | 4.8734% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.8268% | 3,639 |
| Net charge-offs to loans | -0.4298% | 5,645 |
| Credit loss provision to net charge-offs | -13.7652% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3813% | 2,985 |
| Assets per employee ($millions) | 4.1995% | 3,647 |
| Cash dividends to net income (ytd only)* | 21.4767% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,428 |
| Loan loss allowance to noncurrent loans | 1,074.7748% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,421 |
| Noncurrent loans to loans | 0.1425% | 4,486 |
| Net loans and leases to total assets | 60.8938% | 3,778 |
| Net loans and leases to deposits | 76.8738% | 3,288 |
| Net loans and leases to core deposits | 78.9359% | 3,542 |
| Total domestic deposits to total assets | 79.2126% | 4,495 |
| Equity capital to assets | 16.5353% | 481 |
| Core capital (leverage) ratio | 16.3684% | 452 |
| Tier 1 risk-based capital ratio | 25.4723% | 707 |
| Total risk-based capital ratio | 26.7252% | 700 |
| Memoranda: | ||
| Average total assets | $124,787,250 | 3,866 |
| Average earning assets | $118,885,000 | 3,805 |
| Average equity | $20,382,250 | 3,121 |
| Average total loans | $76,625,000 | 3,850 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 3,890 |
| Cost of funding earning assets | 0.5590% | 1,717 |
| Net interest margin | 3.2423% | 4,287 |
| Noninterest income to average assets | 0.3650% | 3,942 |
| Noninterest expense to average assets | 2.3893% | 4,077 |
| Loan and lease loss provision to assets | 0.0466% | 3,060 |
| Net operating income to assets | 0.7235% | 3,742 |
| Return on assets (ROA) | 0.7235% | 3,811 |
| Pretax return on assets | 1.0065% | 3,547 |
| Return on Equity (ROE) | 4.4483% | 4,679 |
| Retained earnings to average equity (ytd only) | 2.8667% | 4,005 |
| Net charge-offs to loans | -0.6614% | 5,712 |
| Credit loss provision to net charge-offs | -11.5079% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4068% | 2,784 |
| Assets per employee ($millions) | 4.4230% | 3,232 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,384 |
| Loan loss allowance to noncurrent loans | 226.8061% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 2,886 |
| Noncurrent loans to loans | 0.6853% | 2,699 |
| Net loans and leases to total assets | 61.0134% | 3,745 |
| Net loans and leases to deposits | 81.7983% | 2,718 |
| Net loans and leases to core deposits | 84.1701% | 3,048 |
| Total domestic deposits to total assets | 74.5900% | 5,242 |
| Equity capital to assets | 16.6474% | 444 |
| Core capital (leverage) ratio | 16.4337% | 426 |
| Tier 1 risk-based capital ratio | 26.9584% | 608 |
| Total risk-based capital ratio | 28.2127% | 598 |
| Memoranda: | ||
| Average total assets | $124,388,000 | 3,889 |
| Average earning assets | $118,064,670 | 3,837 |
| Average equity | $20,232,330 | 3,135 |
| Average total loans | $76,196,670 | 3,879 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 4,242 |
| Cost of funding earning assets | 0.5290% | 1,866 |
| Net interest margin | 3.1303% | 4,566 |
| Noninterest income to average assets | 0.3530% | 4,017 |
| Noninterest expense to average assets | 2.4226% | 4,048 |
| Loan and lease loss provision to assets | 0.0193% | 3,323 |
| Net operating income to assets | 0.6514% | 3,933 |
| Return on assets (ROA) | 0.6514% | 3,967 |
| Pretax return on assets | 0.8920% | 3,801 |
| Return on Equity (ROE) | 4.0519% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.0519% | 3,434 |
| Net charge-offs to loans | -0.0053% | 4,203 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6660% | 2,460 |
| Assets per employee ($millions) | 4.3418% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 3,080 |
| Loan loss allowance to noncurrent loans | 158.1756% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 2,850 |
| Noncurrent loans to loans | 0.7642% | 2,571 |
| Net loans and leases to total assets | 59.6491% | 3,821 |
| Net loans and leases to deposits | 80.1515% | 2,732 |
| Net loans and leases to core deposits | 81.9612% | 3,102 |
| Total domestic deposits to total assets | 74.4204% | 5,384 |
| Equity capital to assets | 16.0222% | 494 |
| Core capital (leverage) ratio | 16.4614% | 410 |
| Tier 1 risk-based capital ratio | 26.6187% | 651 |
| Total risk-based capital ratio | 27.8182% | 643 |
| Memoranda: | ||
| Average total assets | $124,659,500 | 3,923 |
| Average earning assets | $118,710,000 | 3,855 |
| Average equity | $20,040,000 | 3,172 |
| Average total loans | $75,917,500 | 3,911 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 3,950 |
| Cost of funding earning assets | 0.5458% | 1,732 |
| Net interest margin | 3.2421% | 4,322 |
| Noninterest income to average assets | 0.3637% | 4,141 |
| Noninterest expense to average assets | 2.6879% | 3,381 |
| Loan and lease loss provision to assets | 0.0042% | 4,273 |
| Net operating income to assets | 0.5414% | 4,470 |
| Return on assets (ROA) | 0.5614% | 4,482 |
| Pretax return on assets | 0.7508% | 4,338 |
| Return on Equity (ROE) | 3.3466% | 5,061 |
| Retained earnings to average equity (ytd only) | 1.6062% | 4,617 |
| Net charge-offs to loans | 0.2414% | 1,155 |
| Credit loss provision to net charge-offs | 2.7933% | 3,773 |
| Earnings coverage of net charge-offs (x) | 4.8771% | 3,429 |
| Efficiency ratio | 78.6813% | 1,593 |
| Assets per employee ($millions) | 4.4074% | 3,265 |
| Cash dividends to net income (ytd only)* | 52.0059% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,106 |
| Loan loss allowance to noncurrent loans | 154.0541% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 2,871 |
| Noncurrent loans to loans | 0.7809% | 2,568 |
| Net loans and leases to total assets | 60.6923% | 3,774 |
| Net loans and leases to deposits | 80.8738% | 2,790 |
| Net loans and leases to core deposits | 82.7191% | 3,152 |
| Total domestic deposits to total assets | 75.0458% | 5,351 |
| Equity capital to assets | 16.1305% | 482 |
| Core capital (leverage) ratio | 16.2269% | 435 |
| Tier 1 risk-based capital ratio | 26.9439% | 618 |
| Total risk-based capital ratio | 28.1608% | 612 |
| Memoranda: | ||
| Average total assets | $119,870,600 | 4,002 |
| Average earning assets | $112,858,400 | 3,951 |
| Average equity | $20,110,000 | 3,158 |
| Average total loans | $74,153,000 | 3,939 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 4,091 |
| Cost of funding earning assets | 0.5509% | 1,681 |
| Net interest margin | 3.1955% | 4,501 |
| Noninterest income to average assets | 0.3272% | 4,439 |
| Noninterest expense to average assets | 2.6927% | 3,372 |
| Loan and lease loss provision to assets | 0.0034% | 4,154 |
| Net operating income to assets | 0.4770% | 4,777 |
| Return on assets (ROA) | 0.5042% | 4,784 |
| Pretax return on assets | 0.6634% | 4,704 |
| Return on Equity (ROE) | 2.9760% | 5,222 |
| Retained earnings to average equity (ytd only) | 1.9840% | 4,693 |
| Net charge-offs to loans | 0.3291% | 699 |
| Credit loss provision to net charge-offs | 1.6484% | 3,407 |
| Earnings coverage of net charge-offs (x) | 3.0934% | 3,468 |
| Efficiency ratio | 81.0182% | 1,297 |
| Assets per employee ($millions) | 4.2555% | 3,496 |
| Cash dividends to net income (ytd only)* | 33.3339% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 3,190 |
| Loan loss allowance to noncurrent loans | 166.1172% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 3,116 |
| Noncurrent loans to loans | 0.7269% | 2,856 |
| Net loans and leases to total assets | 60.1285% | 3,856 |
| Net loans and leases to deposits | 80.4222% | 2,914 |
| Net loans and leases to core deposits | 82.2579% | 3,259 |
| Total domestic deposits to total assets | 74.7660% | 5,363 |
| Equity capital to assets | 16.4761% | 490 |
| Core capital (leverage) ratio | 16.2743% | 438 |
| Tier 1 risk-based capital ratio | 27.1972% | 626 |
| Total risk-based capital ratio | 28.4202% | 616 |
| Memoranda: | ||
| Average total assets | $118,986,750 | 4,038 |
| Average earning assets | $111,569,000 | 4,003 |
| Average equity | $20,161,000 | 3,177 |
| Average total loans | $73,738,750 | 3,979 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 4,117 |
| Cost of funding earning assets | 0.5445% | 1,741 |
| Net interest margin | 3.2089% | 4,514 |
| Noninterest income to average assets | 0.3387% | 4,353 |
| Noninterest expense to average assets | 2.7520% | 3,188 |
| Loan and lease loss provision to assets | 0.0034% | 3,972 |
| Net operating income to assets | 0.4437% | 4,889 |
| Return on assets (ROA) | 0.4851% | 4,843 |
| Pretax return on assets | 0.6365% | 4,800 |
| Return on Equity (ROE) | 2.8353% | 5,290 |
| Retained earnings to average equity (ytd only) | 1.3430% | 4,845 |
| Net charge-offs to loans | 0.5131% | 422 |
| Credit loss provision to net charge-offs | 1.0638% | 3,043 |
| Earnings coverage of net charge-offs (x) | 1.8298% | 3,361 |
| Efficiency ratio | 82.4579% | 1,216 |
| Assets per employee ($millions) | 3.9912% | 3,920 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 3,325 |
| Loan loss allowance to noncurrent loans | 156.2500% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 3,151 |
| Noncurrent loans to loans | 0.7717% | 2,818 |
| Net loans and leases to total assets | 59.6002% | 3,939 |
| Net loans and leases to deposits | 79.7062% | 2,968 |
| Net loans and leases to core deposits | 81.7491% | 3,292 |
| Total domestic deposits to total assets | 74.7749% | 5,437 |
| Equity capital to assets | 16.4008% | 493 |
| Core capital (leverage) ratio | 16.8249% | 383 |
| Tier 1 risk-based capital ratio | 26.7376% | 670 |
| Total risk-based capital ratio | 27.9405% | 657 |
| Memoranda: | ||
| Average total assets | $117,512,670 | 4,097 |
| Average earning assets | $109,818,670 | 4,060 |
| Average equity | $20,103,670 | 3,189 |
| Average total loans | $73,281,330 | 4,011 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 3,933 |
| Cost of funding earning assets | 0.5468% | 1,741 |
| Net interest margin | 3.2549% | 4,382 |
| Noninterest income to average assets | 0.3391% | 4,306 |
| Noninterest expense to average assets | 2.8705% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4021% | 4,992 |
| Return on assets (ROA) | 0.4021% | 5,068 |
| Pretax return on assets | 0.5070% | 5,070 |
| Return on Equity (ROE) | 2.2989% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.2989% | 4,337 |
| Net charge-offs to loans | 1.0578% | 174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.7552% | 2,896 |
| Efficiency ratio | 84.9896% | 1,064 |
| Assets per employee ($millions) | 3.8052% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 3,394 |
| Loan loss allowance to noncurrent loans | 147.5248% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 2,968 |
| Noncurrent loans to loans | 0.8234% | 2,779 |
| Net loans and leases to total assets | 63.6842% | 3,284 |
| Net loans and leases to deposits | 81.8878% | 2,557 |
| Net loans and leases to core deposits | 84.0715% | 2,934 |
| Total domestic deposits to total assets | 77.7701% | 5,184 |
| Equity capital to assets | 17.6108% | 364 |
| Core capital (leverage) ratio | 17.7358% | 312 |
| Tier 1 risk-based capital ratio | 27.2781% | 658 |
| Total risk-based capital ratio | 28.4983% | 642 |
| Memoranda: | ||
| Average total assets | $114,406,000 | 4,174 |
| Average earning assets | $106,793,500 | 4,149 |
| Average equity | $20,009,500 | 3,198 |
| Average total loans | $72,601,500 | 4,055 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 3,230 |
| Cost of funding earning assets | 0.4828% | 2,331 |
| Net interest margin | 3.5390% | 3,382 |
| Noninterest income to average assets | 0.4905% | 3,388 |
| Noninterest expense to average assets | 2.7735% | 3,337 |
| Loan and lease loss provision to assets | 0.4932% | 229 |
| Net operating income to assets | 0.4117% | 5,016 |
| Return on assets (ROA) | 0.4234% | 5,059 |
| Pretax return on assets | 0.5558% | 4,973 |
| Return on Equity (ROE) | 2.3562% | 5,484 |
| Retained earnings to average equity (ytd only) | 0.8426% | 5,186 |
| Net charge-offs to loans | 0.5522% | 446 |
| Credit loss provision to net charge-offs | 132.0388% | 1,984 |
| Earnings coverage of net charge-offs (x) | 2.7670% | 3,831 |
| Efficiency ratio | 72.8507% | 2,762 |
| Assets per employee ($millions) | 3.8218% | 4,251 |
| Cash dividends to net income (ytd only)* | 64.2398% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,924 |
| Loan loss allowance to noncurrent loans | 169.9531% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 3,426 |
| Noncurrent loans to loans | 0.8923% | 2,565 |
| Net loans and leases to total assets | 61.5089% | 3,626 |
| Net loans and leases to deposits | 81.5512% | 2,647 |
| Net loans and leases to core deposits | 84.0831% | 2,957 |
| Total domestic deposits to total assets | 75.4237% | 5,505 |
| Equity capital to assets | 17.3695% | 372 |
| Core capital (leverage) ratio | 17.5466% | 312 |
| Tier 1 risk-based capital ratio | 27.8627% | 604 |
| Total risk-based capital ratio | 29.1163% | 598 |
| Memoranda: | ||
| Average total assets | $110,294,600 | 4,254 |
| Average earning assets | $103,362,800 | 4,201 |
| Average equity | $19,820,000 | 3,191 |
| Average total loans | $74,606,600 | 3,980 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 2,953 |
| Cost of funding earning assets | 0.4609% | 2,571 |
| Net interest margin | 3.6362% | 3,011 |
| Noninterest income to average assets | 0.4652% | 3,597 |
| Noninterest expense to average assets | 2.7153% | 3,508 |
| Loan and lease loss provision to assets | 0.6642% | 125 |
| Net operating income to assets | 0.3796% | 5,237 |
| Return on assets (ROA) | 0.3956% | 5,271 |
| Pretax return on assets | 0.5165% | 5,179 |
| Return on Equity (ROE) | 2.1822% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.1719% | 5,247 |
| Net charge-offs to loans | -0.0053% | 4,842 |
| Credit loss provision to net charge-offs | -18,133.3333% | 5,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0693% | 3,201 |
| Assets per employee ($millions) | 3.9833% | 3,906 |
| Cash dividends to net income (ytd only)* | 46.2974% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0186% | 891 |
| Loan loss allowance to noncurrent loans | 208.1831% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 3,319 |
| Noncurrent loans to loans | 0.9696% | 2,564 |
| Net loans and leases to total assets | 65.3244% | 3,106 |
| Net loans and leases to deposits | 87.3564% | 1,984 |
| Net loans and leases to core deposits | 89.8859% | 2,478 |
| Total domestic deposits to total assets | 74.7792% | 5,640 |
| Equity capital to assets | 17.8085% | 356 |
| Core capital (leverage) ratio | 17.7982% | 309 |
| Tier 1 risk-based capital ratio | 27.0709% | 681 |
| Total risk-based capital ratio | 28.3307% | 659 |
| Memoranda: | ||
| Average total assets | $109,204,500 | 4,319 |
| Average earning assets | $102,410,750 | 4,270 |
| Average equity | $19,796,250 | 3,222 |
| Average total loans | $75,356,000 | 3,998 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 2,564 |
| Cost of funding earning assets | 0.4409% | 2,829 |
| Net interest margin | 3.7505% | 2,514 |
| Noninterest income to average assets | 0.4626% | 3,613 |
| Noninterest expense to average assets | 2.7425% | 3,439 |
| Loan and lease loss provision to assets | 0.1935% | 1,029 |
| Net operating income to assets | 0.7317% | 3,727 |
| Return on assets (ROA) | 0.7317% | 3,840 |
| Pretax return on assets | 1.0542% | 3,362 |
| Return on Equity (ROE) | 3.9978% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.4873% | 4,475 |
| Net charge-offs to loans | -0.0079% | 4,863 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7298% | 3,549 |
| Assets per employee ($millions) | 4.2180% | 3,437 |
| Cash dividends to net income (ytd only)* | 37.7834% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 2,908 |
| Loan loss allowance to noncurrent loans | 143.5135% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 3,377 |
| Noncurrent loans to loans | 0.9514% | 2,743 |
| Net loans and leases to total assets | 69.9545% | 2,321 |
| Net loans and leases to deposits | 92.1039% | 1,362 |
| Net loans and leases to core deposits | 94.7697% | 1,890 |
| Total domestic deposits to total assets | 75.9517% | 5,602 |
| Equity capital to assets | 18.1121% | 329 |
| Core capital (leverage) ratio | 18.0672% | 282 |
| Tier 1 risk-based capital ratio | 26.0945% | 773 |
| Total risk-based capital ratio | 27.3462% | 756 |
| Memoranda: | ||
| Average total assets | $108,515,670 | 4,369 |
| Average earning assets | $102,066,670 | 4,318 |
| Average equity | $19,861,000 | 3,228 |
| Average total loans | $75,688,670 | 4,007 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 3,353 |
| Cost of funding earning assets | 0.4294% | 2,982 |
| Net interest margin | 3.5375% | 3,273 |
| Noninterest income to average assets | 0.4817% | 3,407 |
| Noninterest expense to average assets | 2.6200% | 3,861 |
| Loan and lease loss provision to assets | 0.1705% | 1,162 |
| Net operating income to assets | 0.7189% | 3,706 |
| Return on assets (ROA) | 0.7189% | 3,837 |
| Pretax return on assets | 1.0191% | 3,425 |
| Return on Equity (ROE) | 3.9074% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.9074% | 3,654 |
| Net charge-offs to loans | 0.0214% | 2,719 |
| Credit loss provision to net charge-offs | 1,150.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 80.2500% | 592 |
| Efficiency ratio | 68.7743% | 3,701 |
| Assets per employee ($millions) | 3.6113% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 3,554 |
| Loan loss allowance to noncurrent loans | 188.2798% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 4,072 |
| Noncurrent loans to loans | 0.6769% | 3,591 |
| Net loans and leases to total assets | 71.2128% | 1,943 |
| Net loans and leases to deposits | 92.6617% | 1,116 |
| Net loans and leases to core deposits | 95.3388% | 1,666 |
| Total domestic deposits to total assets | 76.8525% | 5,636 |
| Equity capital to assets | 18.4456% | 296 |
| Core capital (leverage) ratio | 18.6242% | 255 |
| Tier 1 risk-based capital ratio | 24.7238% | 912 |
| Total risk-based capital ratio | 25.9615% | 897 |
| Memoranda: | ||
| Average total assets | $107,940,000 | 4,416 |
| Average earning assets | $101,539,500 | 4,353 |
| Average equity | $19,860,000 | 3,249 |
| Average total loans | $74,643,500 | 4,060 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,345 |
| Cost of funding earning assets | 0.4425% | 3,245 |
| Net interest margin | 3.6543% | 3,203 |
| Noninterest income to average assets | 1.0818% | 1,042 |
| Noninterest expense to average assets | 2.7866% | 3,536 |
| Loan and lease loss provision to assets | 0.1702% | 1,528 |
| Net operating income to assets | 1.0452% | 2,188 |
| Return on assets (ROA) | 1.0433% | 2,269 |
| Pretax return on assets | 1.5529% | 1,375 |
| Return on Equity (ROE) | 5.6112% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.0080% | 3,357 |
| Net charge-offs to loans | 0.0258% | 4,308 |
| Credit loss provision to net charge-offs | 983.3333% | 281 |
| Earnings coverage of net charge-offs (x) | 99.7222% | 525 |
| Efficiency ratio | 61.7515% | 4,947 |
| Assets per employee ($millions) | 3.7083% | 4,508 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 3,228 |
| Loan loss allowance to noncurrent loans | 181.7143% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 4,174 |
| Noncurrent loans to loans | 0.7380% | 3,475 |
| Net loans and leases to total assets | 65.2641% | 3,005 |
| Net loans and leases to deposits | 83.0159% | 2,334 |
| Net loans and leases to core deposits | 84.8588% | 2,797 |
| Total domestic deposits to total assets | 78.6163% | 5,328 |
| Equity capital to assets | 18.3522% | 298 |
| Core capital (leverage) ratio | 18.8783% | 250 |
| Tier 1 risk-based capital ratio | 27.0822% | 679 |
| Total risk-based capital ratio | 28.3330% | 658 |
| Memoranda: | ||
| Average total assets | $103,996,000 | 4,502 |
| Average earning assets | $97,638,000 | 4,460 |
| Average equity | $19,336,400 | 3,244 |
| Average total loans | $69,835,800 | 4,188 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,210 |
| Cost of funding earning assets | 0.4475% | 3,283 |
| Net interest margin | 3.6923% | 3,057 |
| Noninterest income to average assets | 1.1470% | 910 |
| Noninterest expense to average assets | 2.5047% | 4,514 |
| Loan and lease loss provision to assets | 0.1681% | 1,470 |
| Net operating income to assets | 1.3111% | 1,341 |
| Return on assets (ROA) | 1.3267% | 1,357 |
| Pretax return on assets | 1.9758% | 602 |
| Return on Equity (ROE) | 7.1113% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.0716% | 2,365 |
| Net charge-offs to loans | 0.0077% | 4,448 |
| Credit loss provision to net charge-offs | 3,250.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 410.2458% | 177 |
| Efficiency ratio | 54.1515% | 5,806 |
| Assets per employee ($millions) | 3.4042% | 5,038 |
| Cash dividends to net income (ytd only)* | 14.6202% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 3,394 |
| Loan loss allowance to noncurrent loans | 130.0847% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 3,740 |
| Noncurrent loans to loans | 1.0384% | 2,998 |
| Net loans and leases to total assets | 65.8628% | 2,892 |
| Net loans and leases to deposits | 82.0130% | 2,423 |
| Net loans and leases to core deposits | 83.0992% | 2,988 |
| Total domestic deposits to total assets | 80.3077% | 5,012 |
| Equity capital to assets | 19.4152% | 254 |
| Core capital (leverage) ratio | 19.1452% | 245 |
| Tier 1 risk-based capital ratio | 28.2666% | 629 |
| Total risk-based capital ratio | 29.5170% | 610 |
| Memoranda: | ||
| Average total assets | $103,110,000 | 4,570 |
| Average earning assets | $97,137,500 | 4,520 |
| Average equity | $19,236,500 | 3,263 |
| Average total loans | $69,510,000 | 4,235 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 3,256 |
| Cost of funding earning assets | 0.4472% | 3,362 |
| Net interest margin | 3.6743% | 3,051 |
| Noninterest income to average assets | 1.2626% | 736 |
| Noninterest expense to average assets | 2.4111% | 4,848 |
| Loan and lease loss provision to assets | 0.1450% | 1,704 |
| Net operating income to assets | 1.4388% | 984 |
| Return on assets (ROA) | 1.4617% | 988 |
| Pretax return on assets | 2.2042% | 360 |
| Return on Equity (ROE) | 7.9415% | 3,130 |
| Retained earnings to average equity (ytd only) | 6.3658% | 2,111 |
| Net charge-offs to loans | 0.0029% | 4,291 |
| Credit loss provision to net charge-offs | 7,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,197.0000% | 45 |
| Efficiency ratio | 51.0229% | 6,123 |
| Assets per employee ($millions) | 4.2782% | 3,314 |
| Cash dividends to net income (ytd only)* | 19.8413% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 4,186 |
| Loan loss allowance to noncurrent loans | 113.8925% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 3,737 |
| Noncurrent loans to loans | 1.0949% | 3,042 |
| Net loans and leases to total assets | 67.0247% | 2,572 |
| Net loans and leases to deposits | 82.9135% | 2,148 |
| Net loans and leases to core deposits | 83.9963% | 2,735 |
| Total domestic deposits to total assets | 80.8370% | 5,033 |
| Equity capital to assets | 18.8942% | 267 |
| Core capital (leverage) ratio | 18.3958% | 277 |
| Tier 1 risk-based capital ratio | 28.3387% | 620 |
| Total risk-based capital ratio | 29.5893% | 607 |
| Memoranda: | ||
| Average total assets | $103,438,000 | 4,596 |
| Average earning assets | $97,487,670 | 4,543 |
| Average equity | $19,039,330 | 3,282 |
| Average total loans | $69,952,000 | 4,234 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 3,204 |
| Cost of funding earning assets | 0.4451% | 3,481 |
| Net interest margin | 3.6755% | 2,965 |
| Noninterest income to average assets | 1.9727% | 343 |
| Noninterest expense to average assets | 2.5390% | 4,483 |
| Loan and lease loss provision to assets | 0.1156% | 2,031 |
| Net operating income to assets | 1.8197% | 466 |
| Return on assets (ROA) | 1.8648% | 452 |
| Pretax return on assets | 2.8550% | 156 |
| Return on Equity (ROE) | 10.2657% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.2657% | 906 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6714% | 6,404 |
| Assets per employee ($millions) | 4.5627% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 4,742 |
| Loan loss allowance to noncurrent loans | 105.7692% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 3,894 |
| Noncurrent loans to loans | 1.1138% | 3,195 |
| Net loans and leases to total assets | 65.9485% | 2,573 |
| Net loans and leases to deposits | 80.9808% | 2,167 |
| Net loans and leases to core deposits | 85.0292% | 2,416 |
| Total domestic deposits to total assets | 81.4372% | 5,113 |
| Equity capital to assets | 18.2760% | 308 |
| Core capital (leverage) ratio | 18.5395% | 275 |
| Tier 1 risk-based capital ratio | 27.9066% | 647 |
| Total risk-based capital ratio | 29.0927% | 642 |
| Memoranda: | ||
| Average total assets | $103,818,500 | 4,635 |
| Average earning assets | $97,945,500 | 4,568 |
| Average equity | $18,859,000 | 3,299 |
| Average total loans | $70,084,000 | 4,260 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 3,732 |
| Cost of funding earning assets | 0.6191% | 2,489 |
| Net interest margin | 3.4823% | 3,977 |
| Noninterest income to average assets | 0.7193% | 2,435 |
| Noninterest expense to average assets | 2.4827% | 4,823 |
| Loan and lease loss provision to assets | 0.1130% | 2,926 |
| Net operating income to assets | 0.9386% | 2,609 |
| Return on assets (ROA) | 0.9556% | 2,612 |
| Pretax return on assets | 1.4273% | 1,693 |
| Return on Equity (ROE) | 5.4673% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.5516% | 2,922 |
| Net charge-offs to loans | 0.0029% | 5,420 |
| Credit loss provision to net charge-offs | 6,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 804.5000% | 46 |
| Efficiency ratio | 62.1055% | 5,192 |
| Assets per employee ($millions) | 4.1078% | 3,631 |
| Cash dividends to net income (ytd only)* | 16.7488% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 4,980 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 3,953 |
| Noncurrent loans to loans | 1.1335% | 3,277 |
| Net loans and leases to total assets | 67.5206% | 2,433 |
| Net loans and leases to deposits | 83.7695% | 1,968 |
| Net loans and leases to core deposits | 84.8634% | 2,575 |
| Total domestic deposits to total assets | 80.6029% | 5,292 |
| Equity capital to assets | 18.0523% | 317 |
| Core capital (leverage) ratio | 17.7987% | 308 |
| Tier 1 risk-based capital ratio | 27.0990% | 668 |
| Total risk-based capital ratio | 28.2372% | 667 |
| Memoranda: | ||
| Average total assets | $106,216,400 | 4,584 |
| Average earning assets | $99,991,200 | 4,521 |
| Average equity | $18,564,800 | 3,331 |
| Average total loans | $69,685,800 | 4,276 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 3,850 |
| Cost of funding earning assets | 0.6466% | 2,387 |
| Net interest margin | 3.4294% | 4,168 |
| Noninterest income to average assets | 0.8304% | 2,007 |
| Noninterest expense to average assets | 2.2235% | 5,549 |
| Loan and lease loss provision to assets | 0.1120% | 2,894 |
| Net operating income to assets | 1.1331% | 1,873 |
| Return on assets (ROA) | 1.1553% | 1,863 |
| Pretax return on assets | 1.7442% | 1,007 |
| Return on Equity (ROE) | 6.6624% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.5907% | 2,084 |
| Net charge-offs to loans | 0.0038% | 5,125 |
| Credit loss provision to net charge-offs | 4,500.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 731.0674% | 71 |
| Efficiency ratio | 54.9538% | 6,021 |
| Assets per employee ($millions) | 4.2168% | 3,391 |
| Cash dividends to net income (ytd only)* | 1.0773% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 5,302 |
| Loan loss allowance to noncurrent loans | 94.4444% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 3,887 |
| Noncurrent loans to loans | 1.1705% | 3,482 |
| Net loans and leases to total assets | 64.9159% | 2,821 |
| Net loans and leases to deposits | 81.4334% | 2,208 |
| Net loans and leases to core deposits | 82.4796% | 2,827 |
| Total domestic deposits to total assets | 79.7166% | 5,577 |
| Equity capital to assets | 17.7175% | 352 |
| Core capital (leverage) ratio | 17.7816% | 320 |
| Tier 1 risk-based capital ratio | 26.4642% | 748 |
| Total risk-based capital ratio | 27.5298% | 756 |
| Memoranda: | ||
| Average total assets | $107,096,500 | 4,612 |
| Average earning assets | $100,423,250 | 4,548 |
| Average equity | $18,571,250 | 3,368 |
| Average total loans | $69,573,250 | 4,314 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 3,905 |
| Cost of funding earning assets | 0.6956% | 2,096 |
| Net interest margin | 3.3593% | 4,344 |
| Noninterest income to average assets | 0.6595% | 2,858 |
| Noninterest expense to average assets | 2.1439% | 5,767 |
| Loan and lease loss provision to assets | 0.1115% | 2,948 |
| Net operating income to assets | 1.0314% | 2,195 |
| Return on assets (ROA) | 1.0645% | 2,177 |
| Pretax return on assets | 1.6033% | 1,371 |
| Return on Equity (ROE) | 6.1827% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.0748% | 2,387 |
| Net charge-offs to loans | 0.0057% | 4,781 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 105 |
| Efficiency ratio | 56.2927% | 5,932 |
| Assets per employee ($millions) | 4.5393% | 2,761 |
| Cash dividends to net income (ytd only)* | 1.7452% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 5,607 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 3,802 |
| Noncurrent loans to loans | 1.0551% | 3,822 |
| Net loans and leases to total assets | 66.0170% | 2,590 |
| Net loans and leases to deposits | 82.9233% | 1,936 |
| Net loans and leases to core deposits | 83.7434% | 2,593 |
| Total domestic deposits to total assets | 79.6121% | 5,688 |
| Equity capital to assets | 17.7779% | 340 |
| Core capital (leverage) ratio | 17.7876% | 298 |
| Tier 1 risk-based capital ratio | 25.9568% | 776 |
| Total risk-based capital ratio | 26.9800% | 781 |
| Memoranda: | ||
| Average total assets | $107,655,000 | 4,620 |
| Average earning assets | $100,913,000 | 4,558 |
| Average equity | $18,535,670 | 3,394 |
| Average total loans | $69,697,670 | 4,319 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 4,236 |
| Cost of funding earning assets | 0.6383% | 2,758 |
| Net interest margin | 3.3324% | 4,392 |
| Noninterest income to average assets | 0.8712% | 1,862 |
| Noninterest expense to average assets | 2.0864% | 5,941 |
| Loan and lease loss provision to assets | 0.1098% | 2,866 |
| Net operating income to assets | 1.1823% | 1,580 |
| Return on assets (ROA) | 1.1823% | 1,690 |
| Pretax return on assets | 1.7899% | 899 |
| Return on Equity (ROE) | 6.9751% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.9751% | 2,157 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3416% | 6,360 |
| Assets per employee ($millions) | 4.9288% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 5,922 |
| Loan loss allowance to noncurrent loans | 137.0155% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 4,410 |
| Noncurrent loans to loans | 0.7438% | 4,641 |
| Net loans and leases to total assets | 63.3224% | 2,828 |
| Net loans and leases to deposits | 79.0356% | 2,207 |
| Net loans and leases to core deposits | 82.6120% | 2,498 |
| Total domestic deposits to total assets | 80.1188% | 5,729 |
| Equity capital to assets | 17.2105% | 408 |
| Core capital (leverage) ratio | 17.1322% | 340 |
| Tier 1 risk-based capital ratio | 25.8167% | 805 |
| Total risk-based capital ratio | 26.8084% | 818 |
| Memoranda: | ||
| Average total assets | $109,280,000 | 4,625 |
| Average earning assets | $102,148,500 | 4,565 |
| Average equity | $18,523,000 | 3,445 |
| Average total loans | $69,716,500 | 4,354 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 4,801 |
| Cost of funding earning assets | 0.8183% | 2,521 |
| Net interest margin | 3.3230% | 5,170 |
| Noninterest income to average assets | 0.7446% | 2,523 |
| Noninterest expense to average assets | 2.3932% | 5,423 |
| Loan and lease loss provision to assets | 0.1260% | 4,038 |
| Net operating income to assets | 0.9039% | 2,794 |
| Return on assets (ROA) | 0.9308% | 2,889 |
| Pretax return on assets | 1.3899% | 2,076 |
| Return on Equity (ROE) | 5.3947% | 4,481 |
| Retained earnings to average equity (ytd only) | 3.0708% | 4,071 |
| Net charge-offs to loans | 0.3149% | 3,065 |
| Credit loss provision to net charge-offs | 64.3902% | 4,333 |
| Earnings coverage of net charge-offs (x) | 7.5415% | 2,573 |
| Efficiency ratio | 61.8554% | 5,258 |
| Assets per employee ($millions) | 4.7881% | 2,510 |
| Cash dividends to net income (ytd only)* | 43.0769% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 6,075 |
| Loan loss allowance to noncurrent loans | 133.0059% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 4,545 |
| Noncurrent loans to loans | 0.7265% | 4,729 |
| Net loans and leases to total assets | 63.0060% | 3,055 |
| Net loans and leases to deposits | 77.9548% | 2,543 |
| Net loans and leases to core deposits | 81.3912% | 2,837 |
| Total domestic deposits to total assets | 80.8238% | 5,449 |
| Equity capital to assets | 16.6936% | 454 |
| Core capital (leverage) ratio | 17.0875% | 345 |
| Tier 1 risk-based capital ratio | 24.8181% | 873 |
| Total risk-based capital ratio | 25.7473% | 890 |
| Memoranda: | ||
| Average total assets | $104,753,600 | 4,714 |
| Average earning assets | $98,494,600 | 4,626 |
| Average equity | $18,073,200 | 3,452 |
| Average total loans | $65,110,000 | 4,538 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 5,116 |
| Cost of funding earning assets | 0.8597% | 2,463 |
| Net interest margin | 3.2601% | 5,514 |
| Noninterest income to average assets | 0.5750% | 3,442 |
| Noninterest expense to average assets | 2.2305% | 5,881 |
| Loan and lease loss provision to assets | 0.1160% | 4,114 |
| Net operating income to assets | 0.8787% | 3,085 |
| Return on assets (ROA) | 0.9141% | 3,140 |
| Pretax return on assets | 1.3615% | 2,369 |
| Return on Equity (ROE) | 5.2530% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.2899% | 3,869 |
| Net charge-offs to loans | 0.2756% | 3,071 |
| Credit loss provision to net charge-offs | 68.1818% | 3,952 |
| Earnings coverage of net charge-offs (x) | 8.3710% | 2,456 |
| Efficiency ratio | 61.0229% | 5,309 |
| Assets per employee ($millions) | 4.2236% | 3,417 |
| Cash dividends to net income (ytd only)* | 18.3358% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,843 |
| Loan loss allowance to noncurrent loans | 108.4227% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 4,064 |
| Noncurrent loans to loans | 0.9815% | 4,480 |
| Net loans and leases to total assets | 64.9363% | 2,853 |
| Net loans and leases to deposits | 82.1055% | 2,106 |
| Net loans and leases to core deposits | 86.1379% | 2,445 |
| Total domestic deposits to total assets | 79.0889% | 5,848 |
| Equity capital to assets | 18.1085% | 353 |
| Core capital (leverage) ratio | 16.5993% | 416 |
| Tier 1 risk-based capital ratio | 25.7173% | 847 |
| Total risk-based capital ratio | 26.7230% | 853 |
| Memoranda: | ||
| Average total assets | $103,410,500 | 4,792 |
| Average earning assets | $97,704,250 | 4,697 |
| Average equity | $17,995,500 | 3,504 |
| Average total loans | $63,871,750 | 4,625 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 5,441 |
| Cost of funding earning assets | 0.9068% | 2,346 |
| Net interest margin | 3.1574% | 5,851 |
| Noninterest income to average assets | 0.3747% | 4,838 |
| Noninterest expense to average assets | 2.2096% | 5,977 |
| Loan and lease loss provision to assets | 0.1153% | 4,083 |
| Net operating income to assets | 0.7013% | 3,861 |
| Return on assets (ROA) | 0.7013% | 4,129 |
| Pretax return on assets | 1.0203% | 3,632 |
| Return on Equity (ROE) | 4.0838% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.6293% | 4,866 |
| Net charge-offs to loans | 0.4191% | 2,355 |
| Credit loss provision to net charge-offs | 45.4545% | 4,137 |
| Earnings coverage of net charge-offs (x) | 4.4773% | 3,068 |
| Efficiency ratio | 66.0540% | 4,522 |
| Assets per employee ($millions) | 4.8525% | 2,357 |
| Cash dividends to net income (ytd only)* | 35.6164% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 5,858 |
| Loan loss allowance to noncurrent loans | 413.4146% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 5,153 |
| Noncurrent loans to loans | 0.2615% | 6,057 |
| Net loans and leases to total assets | 58.1031% | 4,140 |
| Net loans and leases to deposits | 72.1029% | 3,595 |
| Net loans and leases to core deposits | 75.1609% | 3,861 |
| Total domestic deposits to total assets | 80.5836% | 5,591 |
| Equity capital to assets | 16.8657% | 460 |
| Core capital (leverage) ratio | 16.7312% | 387 |
| Tier 1 risk-based capital ratio | 27.1987% | 709 |
| Total risk-based capital ratio | 28.2369% | 714 |
| Memoranda: | ||
| Average total assets | $104,091,670 | 4,800 |
| Average earning assets | $97,927,330 | 4,712 |
| Average equity | $17,875,330 | 3,517 |
| Average total loans | $62,985,000 | 4,675 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 5,532 |
| Cost of funding earning assets | 0.9863% | 2,059 |
| Net interest margin | 3.0911% | 6,075 |
| Noninterest income to average assets | 0.3581% | 5,007 |
| Noninterest expense to average assets | 2.2071% | 6,026 |
| Loan and lease loss provision to assets | 0.1168% | 3,888 |
| Net operating income to assets | 0.7629% | 3,558 |
| Return on assets (ROA) | 0.7629% | 3,794 |
| Pretax return on assets | 0.9498% | 3,866 |
| Return on Equity (ROE) | 4.4019% | 5,095 |
| Retained earnings to average equity (ytd only) | 4.4019% | 3,956 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4197% | 4,281 |
| Assets per employee ($millions) | 4.7245% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 5,261 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 4,816 |
| Noncurrent loans to loans | 0.5758% | 5,515 |
| Net loans and leases to total assets | 59.4027% | 3,793 |
| Net loans and leases to deposits | 74.1485% | 3,106 |
| Net loans and leases to core deposits | 77.4039% | 3,410 |
| Total domestic deposits to total assets | 80.1131% | 5,830 |
| Equity capital to assets | 17.2266% | 399 |
| Core capital (leverage) ratio | 17.3764% | 332 |
| Tier 1 risk-based capital ratio | 27.0710% | 723 |
| Total risk-based capital ratio | 28.2624% | 717 |
| Memoranda: | ||
| Average total assets | $102,760,000 | 4,871 |
| Average earning assets | $96,923,500 | 4,778 |
| Average equity | $17,810,500 | 3,527 |
| Average total loans | $63,124,500 | 4,693 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 3,374 |
| Cost of funding earning assets | 1.0752% | 2,843 |
| Net interest margin | 3.8218% | 3,712 |
| Noninterest income to average assets | 0.6785% | 2,736 |
| Noninterest expense to average assets | 2.4011% | 5,773 |
| Loan and lease loss provision to assets | 1.3102% | 624 |
| Net operating income to assets | 0.3855% | 4,926 |
| Return on assets (ROA) | 0.3855% | 5,092 |
| Pretax return on assets | 0.4977% | 4,999 |
| Return on Equity (ROE) | 2.0995% | 5,619 |
| Retained earnings to average equity (ytd only) | 0.6282% | 5,555 |
| Net charge-offs to loans | 2.1021% | 642 |
| Credit loss provision to net charge-offs | 91.6424% | 3,939 |
| Earnings coverage of net charge-offs (x) | 1.2645% | 4,836 |
| Efficiency ratio | 57.0476% | 6,183 |
| Assets per employee ($millions) | 4.6174% | 2,731 |
| Cash dividends to net income (ytd only)* | 70.0809% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 5,504 |
| Loan loss allowance to noncurrent loans | 203.2520% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 4,851 |
| Noncurrent loans to loans | 0.5790% | 5,551 |
| Net loans and leases to total assets | 61.9962% | 3,601 |
| Net loans and leases to deposits | 77.7350% | 2,884 |
| Net loans and leases to core deposits | 81.8202% | 3,204 |
| Total domestic deposits to total assets | 79.7533% | 5,806 |
| Equity capital to assets | 17.4401% | 393 |
| Core capital (leverage) ratio | 17.2943% | 346 |
| Tier 1 risk-based capital ratio | 27.2362% | 694 |
| Total risk-based capital ratio | 28.4012% | 673 |
| Memoranda: | ||
| Average total assets | $96,245,600 | 5,000 |
| Average earning assets | $88,910,800 | 4,965 |
| Average equity | $17,670,800 | 3,476 |
| Average total loans | $65,458,200 | 4,652 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 2,984 |
| Cost of funding earning assets | 1.0672% | 3,198 |
| Net interest margin | 3.9557% | 3,130 |
| Noninterest income to average assets | 0.6996% | 2,611 |
| Noninterest expense to average assets | 2.4527% | 5,621 |
| Loan and lease loss provision to assets | 1.7293% | 356 |
| Net operating income to assets | 0.1573% | 5,808 |
| Return on assets (ROA) | 0.1573% | 5,932 |
| Pretax return on assets | 0.1573% | 5,983 |
| Return on Equity (ROE) | 0.8456% | 6,096 |
| Retained earnings to average equity (ytd only) | -0.1359% | 5,998 |
| Net charge-offs to loans | 2.7843% | 364 |
| Credit loss provision to net charge-offs | 89.4622% | 3,787 |
| Earnings coverage of net charge-offs (x) | 0.9760% | 4,901 |
| Efficiency ratio | 56.5231% | 6,207 |
| Assets per employee ($millions) | 4.4941% | 2,930 |
| Cash dividends to net income (ytd only)* | 116.0718% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 5,978 |
| Loan loss allowance to noncurrent loans | 167.0534% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 4,789 |
| Noncurrent loans to loans | 0.6429% | 5,602 |
| Net loans and leases to total assets | 64.1645% | 3,275 |
| Net loans and leases to deposits | 80.0645% | 2,643 |
| Net loans and leases to core deposits | 84.1652% | 3,044 |
| Total domestic deposits to total assets | 80.1411% | 5,695 |
| Equity capital to assets | 17.0291% | 479 |
| Core capital (leverage) ratio | 18.0446% | 321 |
| Tier 1 risk-based capital ratio | 25.8784% | 849 |
| Total risk-based capital ratio | 26.9490% | 843 |
| Memoranda: | ||
| Average total assets | $94,911,500 | 5,079 |
| Average earning assets | $87,331,500 | 5,054 |
| Average equity | $17,659,500 | 3,476 |
| Average total loans | $65,891,000 | 4,679 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 2,816 |
| Cost of funding earning assets | 1.0700% | 3,471 |
| Net interest margin | 4.0021% | 2,823 |
| Noninterest income to average assets | 0.4561% | 4,236 |
| Noninterest expense to average assets | 2.4801% | 5,615 |
| Loan and lease loss provision to assets | 0.9230% | 967 |
| Net operating income to assets | 0.7080% | 3,499 |
| Return on assets (ROA) | 0.7080% | 3,610 |
| Pretax return on assets | 0.7731% | 4,127 |
| Return on Equity (ROE) | 3.6881% | 5,069 |
| Retained earnings to average equity (ytd only) | 2.2174% | 4,883 |
| Net charge-offs to loans | 0.0153% | 5,632 |
| Credit loss provision to net charge-offs | 8,500.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 156.2000% | 231 |
| Efficiency ratio | 59.3864% | 5,966 |
| Assets per employee ($millions) | 4.0927% | 3,564 |
| Cash dividends to net income (ytd only)* | 39.8773% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 2,652 |
| Loan loss allowance to noncurrent loans | 1,285.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 5,346 |
| Noncurrent loans to loans | 0.1483% | 6,610 |
| Net loans and leases to total assets | 70.2765% | 2,164 |
| Net loans and leases to deposits | 90.0481% | 1,264 |
| Net loans and leases to core deposits | 91.3361% | 2,215 |
| Total domestic deposits to total assets | 78.0434% | 6,281 |
| Equity capital to assets | 18.8652% | 325 |
| Core capital (leverage) ratio | 18.7447% | 287 |
| Tier 1 risk-based capital ratio | 26.1628% | 801 |
| Total risk-based capital ratio | 27.4206% | 781 |
| Memoranda: | ||
| Average total assets | $92,094,000 | 5,207 |
| Average earning assets | $85,604,670 | 5,135 |
| Average equity | $17,678,670 | 3,466 |
| Average total loans | $65,507,000 | 4,742 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0179% | 3,023 |
| Cost of funding earning assets | 1.0601% | 3,784 |
| Net interest margin | 3.9578% | 2,880 |
| Noninterest income to average assets | 0.3382% | 5,201 |
| Noninterest expense to average assets | 2.3848% | 5,930 |
| Loan and lease loss provision to assets | 0.1318% | 4,350 |
| Net operating income to assets | 1.0760% | 1,927 |
| Return on assets (ROA) | 1.0760% | 1,975 |
| Pretax return on assets | 1.5108% | 1,415 |
| Return on Equity (ROE) | 5.5559% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.5559% | 2,879 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2148% | 6,099 |
| Assets per employee ($millions) | 4.0257% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 4,743 |
| Loan loss allowance to noncurrent loans | 895.0000% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 5,334 |
| Noncurrent loans to loans | 0.1547% | 6,669 |
| Net loans and leases to total assets | 68.8656% | 2,360 |
| Net loans and leases to deposits | 87.1033% | 1,580 |
| Net loans and leases to core deposits | 88.0475% | 2,592 |
| Total domestic deposits to total assets | 79.0619% | 6,173 |
| Equity capital to assets | 19.1863% | 296 |
| Core capital (leverage) ratio | 19.8205% | 241 |
| Tier 1 risk-based capital ratio | 26.6943% | 730 |
| Total risk-based capital ratio | 27.9454% | 713 |
| Memoranda: | ||
| Average total assets | $91,075,500 | 5,262 |
| Average earning assets | $84,896,500 | 5,190 |
| Average equity | $17,639,000 | 3,467 |
| Average total loans | $64,542,000 | 4,821 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5800% | 1,977 |
| Cost of funding earning assets | 1.2088% | 4,509 |
| Net interest margin | 4.3712% | 1,586 |
| Noninterest income to average assets | 0.8260% | 2,162 |
| Noninterest expense to average assets | 2.8051% | 4,588 |
| Loan and lease loss provision to assets | 0.3697% | 3,909 |
| Net operating income to assets | 1.2916% | 1,198 |
| Return on assets (ROA) | 1.2916% | 1,252 |
| Pretax return on assets | 1.7873% | 783 |
| Return on Equity (ROE) | 6.5138% | 3,338 |
| Retained earnings to average equity (ytd only) | 4.8824% | 2,488 |
| Net charge-offs to loans | 0.0869% | 5,968 |
| Credit loss provision to net charge-offs | 571.4286% | 388 |
| Earnings coverage of net charge-offs (x) | 33.3393% | 673 |
| Efficiency ratio | 56.5308% | 6,522 |
| Assets per employee ($millions) | 3.7316% | 4,399 |
| Cash dividends to net income (ytd only)* | 25.0447% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 4,788 |
| Loan loss allowance to noncurrent loans | 53.0637% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.5246% | 2,744 |
| Noncurrent loans to loans | 2.5332% | 2,991 |
| Net loans and leases to total assets | 70.9689% | 2,314 |
| Net loans and leases to deposits | 90.4845% | 1,462 |
| Net loans and leases to core deposits | 91.4979% | 2,554 |
| Total domestic deposits to total assets | 78.4321% | 6,229 |
| Equity capital to assets | 19.5547% | 284 |
| Core capital (leverage) ratio | 19.7443% | 244 |
| Tier 1 risk-based capital ratio | 26.5587% | 700 |
| Total risk-based capital ratio | 27.8103% | 689 |
| Memoranda: | ||
| Average total assets | $86,557,400 | 5,393 |
| Average earning assets | $81,899,800 | 5,278 |
| Average equity | $17,163,600 | 3,564 |
| Average total loans | $64,406,400 | 4,897 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 2,190 |
| Cost of funding earning assets | 1.2325% | 4,672 |
| Net interest margin | 4.3342% | 1,734 |
| Noninterest income to average assets | 0.7101% | 2,763 |
| Noninterest expense to average assets | 2.6773% | 4,972 |
| Loan and lease loss provision to assets | 0.4584% | 3,179 |
| Net operating income to assets | 1.1374% | 1,776 |
| Return on assets (ROA) | 1.1374% | 1,884 |
| Pretax return on assets | 1.6890% | 1,140 |
| Return on Equity (ROE) | 5.7154% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.7004% | 3,194 |
| Net charge-offs to loans | 0.0104% | 6,519 |
| Credit loss provision to net charge-offs | 5,900.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 276.2549% | 116 |
| Efficiency ratio | 55.4911% | 6,624 |
| Assets per employee ($millions) | 3.5918% | 4,753 |
| Cash dividends to net income (ytd only)* | 17.7596% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,626 |
| Loan loss allowance to noncurrent loans | 25.6920% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 4.8176% | 1,366 |
| Noncurrent loans to loans | 5.3307% | 1,266 |
| Net loans and leases to total assets | 74.4351% | 1,703 |
| Net loans and leases to deposits | 96.7477% | 905 |
| Net loans and leases to core deposits | 98.2724% | 2,016 |
| Total domestic deposits to total assets | 76.9373% | 6,492 |
| Equity capital to assets | 20.1766% | 276 |
| Core capital (leverage) ratio | 19.7311% | 255 |
| Tier 1 risk-based capital ratio | 26.0674% | 767 |
| Total risk-based capital ratio | 27.3188% | 756 |
| Memoranda: | ||
| Average total assets | $85,807,000 | 5,473 |
| Average earning assets | $81,458,250 | 5,358 |
| Average equity | $17,076,250 | 3,627 |
| Average total loans | $64,401,750 | 4,963 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5702% | 2,250 |
| Cost of funding earning assets | 1.2531% | 4,809 |
| Net interest margin | 4.3171% | 1,712 |
| Noninterest income to average assets | 0.6069% | 3,287 |
| Noninterest expense to average assets | 2.6145% | 5,264 |
| Loan and lease loss provision to assets | 0.0700% | 6,249 |
| Net operating income to assets | 1.3820% | 1,121 |
| Return on assets (ROA) | 1.3820% | 1,191 |
| Pretax return on assets | 2.0239% | 575 |
| Return on Equity (ROE) | 6.9767% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.4447% | 2,651 |
| Net charge-offs to loans | 0.0156% | 6,124 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 179.4000% | 191 |
| Efficiency ratio | 55.5280% | 6,697 |
| Assets per employee ($millions) | 3.6114% | 4,672 |
| Cash dividends to net income (ytd only)* | 21.9595% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 6,530 |
| Loan loss allowance to noncurrent loans | 1,252.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 5,416 |
| Noncurrent loans to loans | 0.0773% | 7,115 |
| Net loans and leases to total assets | 73.9068% | 1,929 |
| Net loans and leases to deposits | 96.9870% | 957 |
| Net loans and leases to core deposits | 98.5129% | 2,175 |
| Total domestic deposits to total assets | 76.2028% | 6,646 |
| Equity capital to assets | 19.8526% | 290 |
| Core capital (leverage) ratio | 19.6831% | 264 |
| Tier 1 risk-based capital ratio | 26.0742% | 763 |
| Total risk-based capital ratio | 27.0317% | 772 |
| Memoranda: | ||
| Average total assets | $85,674,670 | 5,514 |
| Average earning assets | $81,397,330 | 5,392 |
| Average equity | $16,970,670 | 3,637 |
| Average total loans | $64,183,330 | 5,011 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 2,601 |
| Cost of funding earning assets | 1.2851% | 4,905 |
| Net interest margin | 4.2098% | 2,003 |
| Noninterest income to average assets | 0.4837% | 4,170 |
| Noninterest expense to average assets | 2.5970% | 5,369 |
| Loan and lease loss provision to assets | 0.0704% | 5,934 |
| Net operating income to assets | 1.2727% | 1,354 |
| Return on assets (ROA) | 1.2727% | 1,428 |
| Pretax return on assets | 1.8315% | 838 |
| Return on Equity (ROE) | 6.4323% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.4323% | 2,391 |
| Net charge-offs to loans | 0.0375% | 5,051 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 449 |
| Efficiency ratio | 57.7244% | 6,525 |
| Assets per employee ($millions) | 3.5971% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 6,697 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 7,344 |
| Noncurrent loans to loans | 0.0773% | 7,200 |
| Net loans and leases to total assets | 74.2352% | 1,923 |
| Net loans and leases to deposits | 97.2341% | 977 |
| Net loans and leases to core deposits | 100.5491% | 2,076 |
| Total domestic deposits to total assets | 76.3469% | 6,693 |
| Equity capital to assets | 19.6928% | 301 |
| Core capital (leverage) ratio | 19.7328% | 267 |
| Tier 1 risk-based capital ratio | 25.5027% | 811 |
| Total risk-based capital ratio | 26.4257% | 824 |
| Memoranda: | ||
| Average total assets | $85,175,000 | 5,595 |
| Average earning assets | $81,239,500 | 5,463 |
| Average equity | $16,852,500 | 3,684 |
| Average total loans | $63,933,000 | 5,085 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 2,683 |
| Cost of funding earning assets | 1.5952% | 5,046 |
| Net interest margin | 4.1985% | 2,064 |
| Noninterest income to average assets | 0.7861% | 2,473 |
| Noninterest expense to average assets | 2.9404% | 4,383 |
| Loan and lease loss provision to assets | 0.0593% | 6,971 |
| Net operating income to assets | 1.1748% | 1,314 |
| Return on assets (ROA) | 1.1977% | 1,303 |
| Pretax return on assets | 1.8156% | 615 |
| Return on Equity (ROE) | 5.9280% | 3,244 |
| Retained earnings to average equity (ytd only) | 4.3374% | 2,202 |
| Net charge-offs to loans | 0.0334% | 6,794 |
| Credit loss provision to net charge-offs | 240.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 74.4500% | 366 |
| Efficiency ratio | 61.5047% | 6,239 |
| Assets per employee ($millions) | 3.6530% | 4,641 |
| Cash dividends to net income (ytd only)* | 26.8318% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 6,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.4677% | 2,147 |
| Net loans and leases to deposits | 96.7466% | 1,234 |
| Net loans and leases to core deposits | 109.3676% | 2,968 |
| Total domestic deposits to total assets | 76.9719% | 6,485 |
| Equity capital to assets | 19.8812% | 304 |
| Core capital (leverage) ratio | 19.5785% | 298 |
| Tier 1 risk-based capital ratio | 25.3749% | 809 |
| Total risk-based capital ratio | 26.2944% | 816 |
| Memoranda: | ||
| Average total assets | $80,908,200 | 5,704 |
| Average earning assets | $76,979,600 | 5,561 |
| Average equity | $16,346,200 | 3,815 |
| Average total loans | $59,921,200 | 5,255 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 3,102 |
| Cost of funding earning assets | 1.6331% | 5,236 |
| Net interest margin | 4.1161% | 2,332 |
| Noninterest income to average assets | 0.7255% | 2,848 |
| Noninterest expense to average assets | 2.9135% | 4,396 |
| Loan and lease loss provision to assets | 0.0599% | 6,764 |
| Net operating income to assets | 1.1024% | 1,725 |
| Return on assets (ROA) | 1.1331% | 1,700 |
| Pretax return on assets | 1.7072% | 962 |
| Return on Equity (ROE) | 5.5852% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.6010% | 2,701 |
| Net charge-offs to loans | 0.0023% | 6,961 |
| Credit loss provision to net charge-offs | 3,600.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,036.5639% | 22 |
| Efficiency ratio | 62.8725% | 5,954 |
| Assets per employee ($millions) | 3.8036% | 4,182 |
| Cash dividends to net income (ytd only)* | 17.6215% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,348 |
| Loan loss allowance to noncurrent loans | 116.0305% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 5,884 |
| Noncurrent loans to loans | 0.8544% | 5,589 |
| Net loans and leases to total assets | 72.5654% | 2,898 |
| Net loans and leases to deposits | 94.3518% | 1,822 |
| Net loans and leases to core deposits | 110.2713% | 3,205 |
| Total domestic deposits to total assets | 76.9094% | 6,360 |
| Equity capital to assets | 19.8831% | 350 |
| Core capital (leverage) ratio | 19.8855% | 316 |
| Tier 1 risk-based capital ratio | 25.7106% | 838 |
| Total risk-based capital ratio | 26.6617% | 840 |
| Memoranda: | ||
| Average total assets | $80,130,500 | 5,760 |
| Average earning assets | $76,089,500 | 5,628 |
| Average equity | $16,256,750 | 3,862 |
| Average total loans | $59,109,500 | 5,329 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7577% | 3,264 |
| Cost of funding earning assets | 1.6823% | 5,354 |
| Net interest margin | 4.0754% | 2,415 |
| Noninterest income to average assets | 0.5675% | 3,913 |
| Noninterest expense to average assets | 2.8931% | 4,522 |
| Loan and lease loss provision to assets | 0.0608% | 6,612 |
| Net operating income to assets | 0.9703% | 2,208 |
| Return on assets (ROA) | 0.9703% | 2,306 |
| Pretax return on assets | 1.4921% | 1,467 |
| Return on Equity (ROE) | 4.7490% | 4,186 |
| Retained earnings to average equity (ytd only) | 3.2611% | 3,503 |
| Net charge-offs to loans | 0.0034% | 6,575 |
| Credit loss provision to net charge-offs | 2,400.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 613.0000% | 49 |
| Efficiency ratio | 65.0712% | 5,706 |
| Assets per employee ($millions) | 3.3978% | 5,071 |
| Cash dividends to net income (ytd only)* | 31.3316% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 6,388 |
| Loan loss allowance to noncurrent loans | 116.1793% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 5,839 |
| Noncurrent loans to loans | 0.8426% | 5,536 |
| Net loans and leases to total assets | 73.9291% | 2,716 |
| Net loans and leases to deposits | 96.2636% | 1,753 |
| Net loans and leases to core deposits | 117.4247% | 2,595 |
| Total domestic deposits to total assets | 76.7987% | 6,375 |
| Equity capital to assets | 19.9394% | 387 |
| Core capital (leverage) ratio | 20.3791% | 340 |
| Tier 1 risk-based capital ratio | 25.6909% | 882 |
| Total risk-based capital ratio | 26.6397% | 889 |
| Memoranda: | ||
| Average total assets | $78,947,670 | 5,836 |
| Average earning assets | $75,133,670 | 5,707 |
| Average equity | $16,129,670 | 3,891 |
| Average total loans | $58,369,330 | 5,407 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7959% | 3,328 |
| Cost of funding earning assets | 1.7409% | 5,409 |
| Net interest margin | 4.0550% | 2,436 |
| Noninterest income to average assets | 0.5151% | 4,181 |
| Noninterest expense to average assets | 2.8333% | 4,408 |
| Loan and lease loss provision to assets | 0.0618% | 6,181 |
| Net operating income to assets | 1.0097% | 2,270 |
| Return on assets (ROA) | 1.0097% | 2,410 |
| Pretax return on assets | 1.4836% | 1,711 |
| Return on Equity (ROE) | 4.8803% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.8803% | 3,201 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7059% | 5,562 |
| Assets per employee ($millions) | 3.2614% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,058 |
| Loan loss allowance to noncurrent loans | 6,500.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 7,604 |
| Noncurrent loans to loans | 0.0157% | 7,520 |
| Net loans and leases to total assets | 72.7112% | 3,069 |
| Net loans and leases to deposits | 95.7085% | 1,989 |
| Net loans and leases to core deposits | 120.4835% | 2,377 |
| Total domestic deposits to total assets | 75.9716% | 6,517 |
| Equity capital to assets | 20.6544% | 380 |
| Core capital (leverage) ratio | 20.8940% | 358 |
| Tier 1 risk-based capital ratio | 27.1007% | 814 |
| Total risk-based capital ratio | 28.0872% | 813 |
| Memoranda: | ||
| Average total assets | $77,648,000 | 5,899 |
| Average earning assets | $73,983,000 | 5,769 |
| Average equity | $16,064,500 | 3,936 |
| Average total loans | $57,112,500 | 5,491 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6194% | 2,390 |
| Cost of funding earning assets | 2.1796% | 5,685 |
| Net interest margin | 4.4398% | 1,559 |
| Noninterest income to average assets | 0.9644% | 1,715 |
| Noninterest expense to average assets | 2.9189% | 4,384 |
| Loan and lease loss provision to assets | 0.0579% | 6,687 |
| Net operating income to assets | 1.4215% | 1,183 |
| Return on assets (ROA) | 1.4215% | 1,141 |
| Pretax return on assets | 2.1709% | 426 |
| Return on Equity (ROE) | 7.1218% | 3,462 |
| Retained earnings to average equity (ytd only) | 5.4446% | 1,786 |
| Net charge-offs to loans | 0.0147% | 6,686 |
| Credit loss provision to net charge-offs | 562.5000% | 780 |
| Earnings coverage of net charge-offs (x) | 216.3750% | 219 |
| Efficiency ratio | 56.7034% | 6,909 |
| Assets per employee ($millions) | 3.3488% | 5,095 |
| Cash dividends to net income (ytd only)* | 23.5507% | 4,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 5,936 |
| Loan loss allowance to noncurrent loans | 4,775.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 7,544 |
| Noncurrent loans to loans | 0.0212% | 7,434 |
| Net loans and leases to total assets | 72.9051% | 3,381 |
| Net loans and leases to deposits | 98.6178% | 2,033 |
| Net loans and leases to core deposits | 118.8046% | 2,809 |
| Total domestic deposits to total assets | 73.9269% | 6,668 |
| Equity capital to assets | 20.7239% | 422 |
| Core capital (leverage) ratio | 20.7804% | 386 |
| Tier 1 risk-based capital ratio | 27.1828% | 818 |
| Total risk-based capital ratio | 28.1639% | 812 |
| Memoranda: | ||
| Average total assets | $77,665,200 | 5,782 |
| Average earning assets | $73,178,600 | 5,701 |
| Average equity | $15,501,600 | 4,024 |
| Average total loans | $54,435,200 | 5,510 |