Home > Western Bank of Wolf Point > Performance and Condition Ratios
Western Bank of Wolf Point, 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 | 4.1447% | 3,939 |
| Cost of funding earning assets | 1.0431% | 1,544 |
| Net interest margin | 3.1016% | 4,362 |
| Noninterest income to average assets | 0.4473% | 3,016 |
| Noninterest expense to average assets | 2.5653% | 3,274 |
| Loan and lease loss provision to assets | 0.1023% | 2,017 |
| Net operating income to assets | 0.7080% | 3,851 |
| Return on assets (ROA) | 0.8615% | 3,445 |
| Pretax return on assets | 0.8615% | 3,850 |
| Return on Equity (ROE) | 8.2154% | 3,076 |
| Retained earnings to average equity (ytd only) | -16.3160% | 5,124 |
| Net charge-offs to loans | 0.1911% | 1,063 |
| Credit loss provision to net charge-offs | 129.1139% | 1,980 |
| Earnings coverage of net charge-offs (x) | 10.2278% | 2,588 |
| Efficiency ratio | 75.9952% | 1,373 |
| Assets per employee ($millions) | 6.8471% | 1,111 |
| Cash dividends to net income (ytd only)* | 298.6030% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2361% | 320 |
| Loan loss allowance to noncurrent loans | 211.6773% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 2,569 |
| Noncurrent loans to loans | 1.0564% | 1,435 |
| Net loans and leases to total assets | 42.4406% | 4,663 |
| Net loans and leases to deposits | 48.8480% | 4,718 |
| Net loans and leases to core deposits | 62.3101% | 4,346 |
| Total domestic deposits to total assets | 86.8829% | 1,670 |
| Equity capital to assets | 9.1017% | 4,637 |
| Core capital (leverage) ratio | 8.5094% | 4,841 |
| Tier 1 risk-based capital ratio | 15.9920% | 2,409 |
| Total risk-based capital ratio | 17.2486% | 2,351 |
| Memoranda: | ||
| Average total assets | $99,714,600 | 4,005 |
| Average earning assets | $94,144,400 | 3,965 |
| Average equity | $10,456,000 | 4,182 |
| Average total loans | $41,331,600 | 4,380 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 4,286 |
| Cost of funding earning assets | 1.0365% | 1,599 |
| Net interest margin | 3.0009% | 4,623 |
| Noninterest income to average assets | 0.3934% | 3,363 |
| Noninterest expense to average assets | 2.0370% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1882% | 2,236 |
| Return on assets (ROA) | 1.3944% | 1,553 |
| Pretax return on assets | 1.3944% | 2,331 |
| Return on Equity (ROE) | 12.8573% | 1,332 |
| Retained earnings to average equity (ytd only) | 5.4038% | 2,675 |
| Net charge-offs to loans | 0.3455% | 489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.3998% | 2,658 |
| Efficiency ratio | 63.1579% | 3,132 |
| Assets per employee ($millions) | 6.9861% | 1,032 |
| Cash dividends to net income (ytd only)* | 57.9708% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 591 |
| Loan loss allowance to noncurrent loans | 308.1560% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 3,474 |
| Noncurrent loans to loans | 0.6042% | 2,471 |
| Net loans and leases to total assets | 43.7118% | 4,703 |
| Net loans and leases to deposits | 53.4424% | 4,653 |
| Net loans and leases to core deposits | 68.9444% | 4,109 |
| Total domestic deposits to total assets | 81.7923% | 3,532 |
| Equity capital to assets | 11.1288% | 2,986 |
| Core capital (leverage) ratio | 10.8234% | 2,813 |
| Tier 1 risk-based capital ratio | 19.1904% | 1,525 |
| Total risk-based capital ratio | 20.4442% | 1,491 |
| Memoranda: | ||
| Average total assets | $98,966,750 | 4,060 |
| Average earning assets | $93,391,500 | 4,025 |
| Average equity | $10,733,000 | 4,195 |
| Average total loans | $40,518,000 | 4,452 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 4,413 |
| Cost of funding earning assets | 0.9913% | 1,739 |
| Net interest margin | 2.9912% | 4,707 |
| Noninterest income to average assets | 0.4123% | 3,195 |
| Noninterest expense to average assets | 2.2489% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9936% | 2,947 |
| Return on assets (ROA) | 1.3089% | 1,805 |
| Pretax return on assets | 1.3089% | 2,532 |
| Return on Equity (ROE) | 12.1842% | 1,510 |
| Retained earnings to average equity (ytd only) | 0.6716% | 4,521 |
| Net charge-offs to loans | 0.5511% | 283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 4.5472% | 2,732 |
| Efficiency ratio | 69.3579% | 2,322 |
| Assets per employee ($millions) | 6.6793% | 1,147 |
| Cash dividends to net income (ytd only)* | 94.4882% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1334% | 370 |
| Loan loss allowance to noncurrent loans | 504.0698% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,905 |
| Noncurrent loans to loans | 0.4232% | 3,010 |
| Net loans and leases to total assets | 39.6970% | 4,853 |
| Net loans and leases to deposits | 51.3996% | 4,762 |
| Net loans and leases to core deposits | 59.2595% | 4,601 |
| Total domestic deposits to total assets | 77.2320% | 4,531 |
| Equity capital to assets | 10.9523% | 3,115 |
| Core capital (leverage) ratio | 11.0081% | 2,592 |
| Tier 1 risk-based capital ratio | 20.4619% | 1,262 |
| Total risk-based capital ratio | 21.7169% | 1,226 |
| Memoranda: | ||
| Average total assets | $97,025,330 | 4,115 |
| Average earning assets | $91,802,330 | 4,080 |
| Average equity | $10,423,330 | 4,244 |
| Average total loans | $38,465,670 | 4,534 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 4,320 |
| Cost of funding earning assets | 0.9885% | 1,613 |
| Net interest margin | 3.0363% | 4,700 |
| Noninterest income to average assets | 0.3604% | 3,444 |
| Noninterest expense to average assets | 2.2589% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9723% | 2,963 |
| Return on assets (ROA) | 0.9723% | 3,003 |
| Pretax return on assets | 0.9723% | 3,532 |
| Return on Equity (ROE) | 9.1442% | 2,740 |
| Retained earnings to average equity (ytd only) | -14.5046% | 5,198 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9092% | 2,356 |
| Assets per employee ($millions) | 5.9337% | 1,599 |
| Cash dividends to net income (ytd only)* | 258.6207% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6839% | 198 |
| Loan loss allowance to noncurrent loans | 3,607.4074% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 4,709 |
| Noncurrent loans to loans | 0.0744% | 4,428 |
| Net loans and leases to total assets | 37.1986% | 4,979 |
| Net loans and leases to deposits | 42.5135% | 5,024 |
| Net loans and leases to core deposits | 52.1354% | 4,835 |
| Total domestic deposits to total assets | 87.4983% | 1,571 |
| Equity capital to assets | 10.7553% | 3,095 |
| Core capital (leverage) ratio | 10.8634% | 2,707 |
| Tier 1 risk-based capital ratio | 21.0292% | 1,163 |
| Total risk-based capital ratio | 22.2877% | 1,139 |
| Memoranda: | ||
| Average total assets | $95,443,500 | 4,177 |
| Average earning assets | $90,241,000 | 4,139 |
| Average equity | $10,148,500 | 4,308 |
| Average total loans | $37,379,000 | 4,609 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 4,196 |
| Cost of funding earning assets | 0.8642% | 1,247 |
| Net interest margin | 3.0728% | 4,689 |
| Noninterest income to average assets | 0.4888% | 2,892 |
| Noninterest expense to average assets | 2.2216% | 4,286 |
| Loan and lease loss provision to assets | 0.0310% | 3,565 |
| Net operating income to assets | 1.1315% | 2,465 |
| Return on assets (ROA) | 1.1346% | 2,455 |
| Pretax return on assets | 1.1346% | 3,158 |
| Return on Equity (ROE) | 11.3837% | 1,940 |
| Retained earnings to average equity (ytd only) | 5.1631% | 2,685 |
| Net charge-offs to loans | -0.0442% | 4,939 |
| Credit loss provision to net charge-offs | -166.6667% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6489% | 2,924 |
| Assets per employee ($millions) | 5.9968% | 1,522 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5294% | 226 |
| Loan loss allowance to noncurrent loans | 1,003.0928% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 4,321 |
| Noncurrent loans to loans | 0.2522% | 3,676 |
| Net loans and leases to total assets | 39.0785% | 4,979 |
| Net loans and leases to deposits | 44.5483% | 5,018 |
| Net loans and leases to core deposits | 56.9469% | 4,745 |
| Total domestic deposits to total assets | 87.7215% | 1,441 |
| Equity capital to assets | 10.5119% | 3,177 |
| Core capital (leverage) ratio | 11.0147% | 2,512 |
| Tier 1 risk-based capital ratio | 20.9546% | 1,158 |
| Total risk-based capital ratio | 22.2126% | 1,145 |
| Memoranda: | ||
| Average total assets | $96,775,200 | 4,153 |
| Average earning assets | $91,186,400 | 4,128 |
| Average equity | $9,645,400 | 4,359 |
| Average total loans | $40,707,800 | 4,531 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 4,277 |
| Cost of funding earning assets | 0.8041% | 1,317 |
| Net interest margin | 3.0674% | 4,759 |
| Noninterest income to average assets | 0.4317% | 3,274 |
| Noninterest expense to average assets | 2.2120% | 4,295 |
| Loan and lease loss provision to assets | 0.0412% | 3,175 |
| Net operating income to assets | 1.0682% | 2,793 |
| Return on assets (ROA) | 1.0710% | 2,787 |
| Pretax return on assets | 1.0710% | 3,497 |
| Return on Equity (ROE) | 10.8926% | 2,222 |
| Retained earnings to average equity (ytd only) | 2.5029% | 4,396 |
| Net charge-offs to loans | -0.0549% | 4,969 |
| Credit loss provision to net charge-offs | -176.4706% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5977% | 2,772 |
| Assets per employee ($millions) | 6.0521% | 1,454 |
| Cash dividends to net income (ytd only)* | 77.0219% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2370% | 335 |
| Loan loss allowance to noncurrent loans | 992.8571% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 3,773 |
| Noncurrent loans to loans | 0.2253% | 3,899 |
| Net loans and leases to total assets | 43.9123% | 4,883 |
| Net loans and leases to deposits | 55.7234% | 4,765 |
| Net loans and leases to core deposits | 67.4225% | 4,325 |
| Total domestic deposits to total assets | 78.8039% | 4,358 |
| Equity capital to assets | 9.7930% | 3,823 |
| Core capital (leverage) ratio | 10.7899% | 2,803 |
| Tier 1 risk-based capital ratio | 18.7968% | 1,590 |
| Total risk-based capital ratio | 20.0526% | 1,560 |
| Memoranda: | ||
| Average total assets | $96,982,000 | 4,193 |
| Average earning assets | $91,368,500 | 4,159 |
| Average equity | $9,535,250 | 4,417 |
| Average total loans | $41,267,750 | 4,559 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,390 |
| Cost of funding earning assets | 0.7460% | 1,386 |
| Net interest margin | 3.0343% | 4,830 |
| Noninterest income to average assets | 0.4349% | 3,256 |
| Noninterest expense to average assets | 2.2055% | 4,352 |
| Loan and lease loss provision to assets | 0.0618% | 2,667 |
| Net operating income to assets | 1.0265% | 2,909 |
| Return on assets (ROA) | 1.0265% | 2,916 |
| Pretax return on assets | 1.0265% | 3,580 |
| Return on Equity (ROE) | 10.4264% | 2,369 |
| Retained earnings to average equity (ytd only) | -2.1355% | 5,161 |
| Net charge-offs to loans | 0.0888% | 1,459 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,523 |
| Efficiency ratio | 66.9587% | 2,829 |
| Assets per employee ($millions) | 6.2365% | 1,311 |
| Cash dividends to net income (ytd only)* | 120.4819% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2492% | 343 |
| Loan loss allowance to noncurrent loans | 334.2857% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 3,074 |
| Noncurrent loans to loans | 0.6729% | 2,423 |
| Net loans and leases to total assets | 40.7661% | 5,033 |
| Net loans and leases to deposits | 50.7011% | 4,957 |
| Net loans and leases to core deposits | 60.7171% | 4,669 |
| Total domestic deposits to total assets | 80.4047% | 4,151 |
| Equity capital to assets | 9.3943% | 4,192 |
| Core capital (leverage) ratio | 10.4225% | 3,111 |
| Tier 1 risk-based capital ratio | 17.9901% | 1,800 |
| Total risk-based capital ratio | 19.2452% | 1,769 |
| Memoranda: | ||
| Average total assets | $97,031,330 | 4,225 |
| Average earning assets | $91,422,670 | 4,197 |
| Average equity | $9,552,670 | 4,450 |
| Average total loans | $40,525,330 | 4,621 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 4,475 |
| Cost of funding earning assets | 0.6329% | 1,824 |
| Net interest margin | 3.0627% | 4,774 |
| Noninterest income to average assets | 0.4349% | 3,205 |
| Noninterest expense to average assets | 2.2121% | 4,389 |
| Loan and lease loss provision to assets | 0.0627% | 2,521 |
| Net operating income to assets | 1.0538% | 2,629 |
| Return on assets (ROA) | 1.0538% | 2,642 |
| Pretax return on assets | 1.0538% | 3,342 |
| Return on Equity (ROE) | 10.4543% | 2,201 |
| Retained earnings to average equity (ytd only) | -14.4368% | 5,449 |
| Net charge-offs to loans | 0.1801% | 814 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 1,690 |
| Efficiency ratio | 66.4573% | 3,088 |
| Assets per employee ($millions) | 6.4497% | 1,227 |
| Cash dividends to net income (ytd only)* | 238.0952% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3681% | 295 |
| Loan loss allowance to noncurrent loans | 970.5263% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 3,935 |
| Noncurrent loans to loans | 0.2440% | 3,894 |
| Net loans and leases to total assets | 39.2905% | 5,095 |
| Net loans and leases to deposits | 45.7700% | 5,103 |
| Net loans and leases to core deposits | 66.6048% | 4,276 |
| Total domestic deposits to total assets | 85.8433% | 2,614 |
| Equity capital to assets | 9.4329% | 4,147 |
| Core capital (leverage) ratio | 10.4220% | 3,037 |
| Tier 1 risk-based capital ratio | 19.3264% | 1,469 |
| Total risk-based capital ratio | 20.5828% | 1,436 |
| Memoranda: | ||
| Average total assets | $95,655,000 | 4,292 |
| Average earning assets | $90,379,000 | 4,263 |
| Average equity | $9,642,000 | 4,477 |
| Average total loans | $39,981,000 | 4,689 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 4,072 |
| Cost of funding earning assets | 0.5318% | 2,094 |
| Net interest margin | 3.2606% | 4,285 |
| Noninterest income to average assets | 0.4911% | 3,053 |
| Noninterest expense to average assets | 2.1838% | 4,560 |
| Loan and lease loss provision to assets | 0.0799% | 2,603 |
| Net operating income to assets | 1.3039% | 1,213 |
| Return on assets (ROA) | 1.2517% | 1,381 |
| Pretax return on assets | 1.2517% | 2,544 |
| Return on Equity (ROE) | 12.0362% | 1,204 |
| Retained earnings to average equity (ytd only) | 5.3779% | 1,876 |
| Net charge-offs to loans | -0.0168% | 4,907 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2123% | 4,075 |
| Assets per employee ($millions) | 6.3043% | 1,313 |
| Cash dividends to net income (ytd only)* | 55.3191% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 335 |
| Loan loss allowance to noncurrent loans | 954.6392% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 3,929 |
| Noncurrent loans to loans | 0.2364% | 3,957 |
| Net loans and leases to total assets | 42.4073% | 5,052 |
| Net loans and leases to deposits | 49.9458% | 5,061 |
| Net loans and leases to core deposits | 70.2952% | 4,154 |
| Total domestic deposits to total assets | 84.9065% | 2,875 |
| Equity capital to assets | 10.7419% | 2,904 |
| Core capital (leverage) ratio | 10.1042% | 3,313 |
| Tier 1 risk-based capital ratio | 18.7974% | 1,561 |
| Total risk-based capital ratio | 20.0532% | 1,517 |
| Memoranda: | ||
| Average total assets | $93,874,000 | 4,346 |
| Average earning assets | $88,572,400 | 4,321 |
| Average equity | $9,762,200 | 4,492 |
| Average total loans | $41,697,000 | 4,675 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,180 |
| Cost of funding earning assets | 0.4977% | 2,288 |
| Net interest margin | 3.2518% | 4,324 |
| Noninterest income to average assets | 0.4681% | 3,227 |
| Noninterest expense to average assets | 2.2254% | 4,474 |
| Loan and lease loss provision to assets | 0.0854% | 2,385 |
| Net operating income to assets | 1.2251% | 1,592 |
| Return on assets (ROA) | 1.1554% | 1,900 |
| Pretax return on assets | 1.1554% | 3,092 |
| Return on Equity (ROE) | 11.2037% | 1,607 |
| Retained earnings to average equity (ytd only) | 2.2352% | 4,522 |
| Net charge-offs to loans | -0.0255% | 4,931 |
| Credit loss provision to net charge-offs | -750.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9376% | 3,722 |
| Assets per employee ($millions) | 6.3854% | 1,259 |
| Cash dividends to net income (ytd only)* | 80.0497% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1014% | 481 |
| Loan loss allowance to noncurrent loans | 442.2330% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,624 |
| Noncurrent loans to loans | 0.4752% | 3,260 |
| Net loans and leases to total assets | 44.3115% | 5,011 |
| Net loans and leases to deposits | 52.0244% | 5,055 |
| Net loans and leases to core deposits | 78.4452% | 3,596 |
| Total domestic deposits to total assets | 85.1745% | 2,648 |
| Equity capital to assets | 10.5407% | 3,328 |
| Core capital (leverage) ratio | 10.6032% | 2,875 |
| Tier 1 risk-based capital ratio | 17.2153% | 2,091 |
| Total risk-based capital ratio | 18.4693% | 2,038 |
| Memoranda: | ||
| Average total assets | $93,701,500 | 4,390 |
| Average earning assets | $88,400,500 | 4,364 |
| Average equity | $9,663,250 | 4,546 |
| Average total loans | $41,864,250 | 4,721 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7299% | 4,132 |
| Cost of funding earning assets | 0.4782% | 2,339 |
| Net interest margin | 3.2517% | 4,259 |
| Noninterest income to average assets | 0.4817% | 3,139 |
| Noninterest expense to average assets | 2.2471% | 4,463 |
| Loan and lease loss provision to assets | 0.0968% | 2,066 |
| Net operating income to assets | 1.2085% | 1,566 |
| Return on assets (ROA) | 1.0988% | 2,035 |
| Pretax return on assets | 1.0988% | 3,183 |
| Return on Equity (ROE) | 10.7364% | 1,743 |
| Retained earnings to average equity (ytd only) | -2.9205% | 5,426 |
| Net charge-offs to loans | -0.0387% | 5,059 |
| Credit loss provision to net charge-offs | -562.5000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2567% | 3,793 |
| Assets per employee ($millions) | 5.8821% | 1,550 |
| Cash dividends to net income (ytd only)* | 127.2016% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 424 |
| Loan loss allowance to noncurrent loans | 340.6844% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 3,436 |
| Noncurrent loans to loans | 0.6500% | 2,792 |
| Net loans and leases to total assets | 42.0394% | 5,141 |
| Net loans and leases to deposits | 47.8613% | 5,217 |
| Net loans and leases to core deposits | 71.0030% | 4,160 |
| Total domestic deposits to total assets | 87.8360% | 1,539 |
| Equity capital to assets | 10.4809% | 3,374 |
| Core capital (leverage) ratio | 10.1528% | 3,333 |
| Tier 1 risk-based capital ratio | 18.6011% | 1,691 |
| Total risk-based capital ratio | 19.8581% | 1,653 |
| Memoranda: | ||
| Average total assets | $93,008,330 | 4,438 |
| Average earning assets | $87,830,670 | 4,401 |
| Average equity | $9,519,000 | 4,591 |
| Average total loans | $41,368,000 | 4,765 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 4,078 |
| Cost of funding earning assets | 0.4623% | 2,410 |
| Net interest margin | 3.2500% | 4,179 |
| Noninterest income to average assets | 0.5062% | 2,937 |
| Noninterest expense to average assets | 2.1675% | 4,729 |
| Loan and lease loss provision to assets | 0.1298% | 1,480 |
| Net operating income to assets | 1.2806% | 1,295 |
| Return on assets (ROA) | 1.0600% | 2,069 |
| Pretax return on assets | 1.0600% | 3,133 |
| Return on Equity (ROE) | 10.4852% | 1,745 |
| Retained earnings to average equity (ytd only) | -17.3327% | 5,694 |
| Net charge-offs to loans | -0.0191% | 4,721 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5804% | 4,390 |
| Assets per employee ($millions) | 6.2757% | 1,314 |
| Cash dividends to net income (ytd only)* | 265.3061% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1518% | 506 |
| Loan loss allowance to noncurrent loans | 224.9357% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 3,022 |
| Noncurrent loans to loans | 0.9566% | 2,128 |
| Net loans and leases to total assets | 42.2676% | 5,144 |
| Net loans and leases to deposits | 47.6275% | 5,238 |
| Net loans and leases to core deposits | 69.9981% | 4,151 |
| Total domestic deposits to total assets | 88.7461% | 1,292 |
| Equity capital to assets | 9.6977% | 4,066 |
| Core capital (leverage) ratio | 10.0241% | 3,465 |
| Tier 1 risk-based capital ratio | 17.8818% | 1,914 |
| Total risk-based capital ratio | 19.1366% | 1,869 |
| Memoranda: | ||
| Average total assets | $92,455,500 | 4,493 |
| Average earning assets | $87,384,500 | 4,454 |
| Average equity | $9,346,500 | 4,650 |
| Average total loans | $41,821,500 | 4,794 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 3,841 |
| Cost of funding earning assets | 0.3462% | 3,563 |
| Net interest margin | 3.4722% | 3,537 |
| Noninterest income to average assets | 0.4562% | 3,504 |
| Noninterest expense to average assets | 2.2479% | 4,656 |
| Loan and lease loss provision to assets | 0.3243% | 557 |
| Net operating income to assets | 1.1580% | 1,659 |
| Return on assets (ROA) | 1.3898% | 1,062 |
| Pretax return on assets | 1.3898% | 1,985 |
| Return on Equity (ROE) | 13.4203% | 901 |
| Retained earnings to average equity (ytd only) | 7.2595% | 1,130 |
| Net charge-offs to loans | 0.9655% | 195 |
| Credit loss provision to net charge-offs | 71.9340% | 3,102 |
| Earnings coverage of net charge-offs (x) | 3.2877% | 3,696 |
| Efficiency ratio | 60.2623% | 4,541 |
| Assets per employee ($millions) | 5.6734% | 1,714 |
| Cash dividends to net income (ytd only)* | 45.9067% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 711 |
| Loan loss allowance to noncurrent loans | 263.4375% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 3,265 |
| Noncurrent loans to loans | 0.7445% | 2,668 |
| Net loans and leases to total assets | 46.4181% | 4,990 |
| Net loans and leases to deposits | 55.2857% | 4,951 |
| Net loans and leases to core deposits | 76.6346% | 3,692 |
| Total domestic deposits to total assets | 83.9603% | 3,434 |
| Equity capital to assets | 10.5359% | 3,111 |
| Core capital (leverage) ratio | 10.3047% | 3,101 |
| Tier 1 risk-based capital ratio | 17.9329% | 1,870 |
| Total risk-based capital ratio | 19.1868% | 1,826 |
| Memoranda: | ||
| Average total assets | $94,045,400 | 4,466 |
| Average earning assets | $88,677,000 | 4,419 |
| Average equity | $9,739,000 | 4,631 |
| Average total loans | $43,915,400 | 4,755 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 3,911 |
| Cost of funding earning assets | 0.3443% | 3,608 |
| Net interest margin | 3.4576% | 3,639 |
| Noninterest income to average assets | 0.4301% | 3,692 |
| Noninterest expense to average assets | 2.2460% | 4,656 |
| Loan and lease loss provision to assets | 0.3865% | 390 |
| Net operating income to assets | 1.0583% | 2,164 |
| Return on assets (ROA) | 1.3647% | 1,209 |
| Pretax return on assets | 1.3647% | 2,175 |
| Return on Equity (ROE) | 13.2338% | 983 |
| Retained earnings to average equity (ytd only) | 5.0563% | 2,786 |
| Net charge-offs to loans | 0.8244% | 214 |
| Credit loss provision to net charge-offs | 100.7326% | 2,335 |
| Earnings coverage of net charge-offs (x) | 3.7656% | 3,364 |
| Efficiency ratio | 60.8530% | 4,417 |
| Assets per employee ($millions) | 5.9569% | 1,463 |
| Cash dividends to net income (ytd only)* | 61.7922% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 565 |
| Loan loss allowance to noncurrent loans | 205.1064% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 3,018 |
| Noncurrent loans to loans | 1.0422% | 2,156 |
| Net loans and leases to total assets | 46.3036% | 5,077 |
| Net loans and leases to deposits | 57.6896% | 4,897 |
| Net loans and leases to core deposits | 81.7335% | 3,305 |
| Total domestic deposits to total assets | 80.2634% | 4,449 |
| Equity capital to assets | 10.5855% | 3,470 |
| Core capital (leverage) ratio | 9.9068% | 3,688 |
| Tier 1 risk-based capital ratio | 17.0102% | 2,222 |
| Total risk-based capital ratio | 18.2661% | 2,179 |
| Memoranda: | ||
| Average total assets | $94,863,000 | 4,484 |
| Average earning assets | $89,463,000 | 4,439 |
| Average equity | $9,782,750 | 4,657 |
| Average total loans | $44,149,500 | 4,781 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 3,960 |
| Cost of funding earning assets | 0.3400% | 3,683 |
| Net interest margin | 3.4585% | 3,647 |
| Noninterest income to average assets | 0.4160% | 3,776 |
| Noninterest expense to average assets | 2.2489% | 4,732 |
| Loan and lease loss provision to assets | 0.5173% | 247 |
| Net operating income to assets | 0.9143% | 2,791 |
| Return on assets (ROA) | 1.3747% | 1,178 |
| Pretax return on assets | 1.3747% | 2,119 |
| Return on Equity (ROE) | 13.4495% | 938 |
| Retained earnings to average equity (ytd only) | 1.0536% | 4,967 |
| Net charge-offs to loans | 1.2547% | 130 |
| Credit loss provision to net charge-offs | 89.0909% | 2,254 |
| Earnings coverage of net charge-offs (x) | 2.4655% | 3,267 |
| Efficiency ratio | 61.1015% | 4,495 |
| Assets per employee ($millions) | 5.7096% | 1,614 |
| Cash dividends to net income (ytd only)* | 92.1659% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 656 |
| Loan loss allowance to noncurrent loans | 189.2276% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 3,069 |
| Noncurrent loans to loans | 1.0905% | 2,106 |
| Net loans and leases to total assets | 45.5240% | 5,157 |
| Net loans and leases to deposits | 52.7222% | 5,219 |
| Net loans and leases to core deposits | 58.3627% | 5,054 |
| Total domestic deposits to total assets | 86.3470% | 2,242 |
| Equity capital to assets | 10.0594% | 4,152 |
| Core capital (leverage) ratio | 9.6899% | 3,944 |
| Tier 1 risk-based capital ratio | 15.8333% | 2,722 |
| Total risk-based capital ratio | 17.0878% | 2,656 |
| Memoranda: | ||
| Average total assets | $94,714,000 | 4,520 |
| Average earning assets | $89,401,670 | 4,478 |
| Average equity | $9,680,670 | 4,706 |
| Average total loans | $43,834,000 | 4,836 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,137 |
| Cost of funding earning assets | 0.3397% | 3,723 |
| Net interest margin | 3.4102% | 3,838 |
| Noninterest income to average assets | 0.4276% | 3,632 |
| Noninterest expense to average assets | 2.2066% | 4,889 |
| Loan and lease loss provision to assets | 0.0641% | 2,676 |
| Net operating income to assets | 1.3770% | 1,083 |
| Return on assets (ROA) | 1.3770% | 1,142 |
| Pretax return on assets | 1.3770% | 1,975 |
| Return on Equity (ROE) | 13.3624% | 952 |
| Retained earnings to average equity (ytd only) | -11.5365% | 5,852 |
| Net charge-offs to loans | -0.0185% | 4,817 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4924% | 4,682 |
| Assets per employee ($millions) | 5.4783% | 1,847 |
| Cash dividends to net income (ytd only)* | 186.3354% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2800% | 528 |
| Loan loss allowance to noncurrent loans | 84.6021% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.3830% | 1,510 |
| Noncurrent loans to loans | 2.6950% | 661 |
| Net loans and leases to total assets | 45.0086% | 5,186 |
| Net loans and leases to deposits | 53.2976% | 5,146 |
| Net loans and leases to core deposits | 68.9606% | 4,325 |
| Total domestic deposits to total assets | 84.4477% | 3,334 |
| Equity capital to assets | 10.2683% | 3,777 |
| Core capital (leverage) ratio | 9.4586% | 4,261 |
| Tier 1 risk-based capital ratio | 16.0686% | 2,649 |
| Total risk-based capital ratio | 17.3253% | 2,597 |
| Memoranda: | ||
| Average total assets | $93,539,500 | 4,586 |
| Average earning assets | $88,324,000 | 4,541 |
| Average equity | $9,639,000 | 4,737 |
| Average total loans | $43,192,000 | 4,891 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8434% | 3,908 |
| Cost of funding earning assets | 0.3904% | 3,259 |
| Net interest margin | 3.4530% | 3,708 |
| Noninterest income to average assets | 0.5175% | 3,211 |
| Noninterest expense to average assets | 2.3032% | 4,781 |
| Loan and lease loss provision to assets | 0.1061% | 2,215 |
| Net operating income to assets | 1.3502% | 1,153 |
| Return on assets (ROA) | 1.4312% | 1,011 |
| Pretax return on assets | 1.4312% | 1,785 |
| Return on Equity (ROE) | 14.2810% | 809 |
| Retained earnings to average equity (ytd only) | 8.0031% | 913 |
| Net charge-offs to loans | 0.0767% | 2,729 |
| Credit loss provision to net charge-offs | 312.9032% | 952 |
| Earnings coverage of net charge-offs (x) | 42.9355% | 1,110 |
| Efficiency ratio | 61.2631% | 4,723 |
| Assets per employee ($millions) | 5.2193% | 2,100 |
| Cash dividends to net income (ytd only)* | 43.9602% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2098% | 584 |
| Loan loss allowance to noncurrent loans | 3,559.2593% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 4,925 |
| Noncurrent loans to loans | 0.0621% | 5,269 |
| Net loans and leases to total assets | 45.2676% | 5,214 |
| Net loans and leases to deposits | 52.6324% | 5,249 |
| Net loans and leases to core deposits | 66.9669% | 4,507 |
| Total domestic deposits to total assets | 86.0072% | 2,639 |
| Equity capital to assets | 10.3408% | 3,577 |
| Core capital (leverage) ratio | 9.6996% | 3,911 |
| Tier 1 risk-based capital ratio | 16.6178% | 2,419 |
| Total risk-based capital ratio | 17.8751% | 2,377 |
| Memoranda: | ||
| Average total assets | $91,394,400 | 4,639 |
| Average earning assets | $85,810,000 | 4,592 |
| Average equity | $9,159,000 | 4,810 |
| Average total loans | $40,411,400 | 4,995 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 3,983 |
| Cost of funding earning assets | 0.4039% | 3,186 |
| Net interest margin | 3.4304% | 3,834 |
| Noninterest income to average assets | 0.4951% | 3,402 |
| Noninterest expense to average assets | 2.3197% | 4,734 |
| Loan and lease loss provision to assets | 0.0896% | 2,370 |
| Net operating income to assets | 1.3046% | 1,330 |
| Return on assets (ROA) | 1.4133% | 1,124 |
| Pretax return on assets | 1.4133% | 1,963 |
| Return on Equity (ROE) | 14.2198% | 858 |
| Retained earnings to average equity (ytd only) | 5.7205% | 2,425 |
| Net charge-offs to loans | 0.0134% | 3,704 |
| Credit loss provision to net charge-offs | 1,525.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 237.3921% | 303 |
| Efficiency ratio | 62.4604% | 4,503 |
| Assets per employee ($millions) | 5.6896% | 1,597 |
| Cash dividends to net income (ytd only)* | 59.7717% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 595 |
| Loan loss allowance to noncurrent loans | 2,071.7391% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 4,968 |
| Noncurrent loans to loans | 0.1095% | 5,194 |
| Net loans and leases to total assets | 45.1084% | 5,285 |
| Net loans and leases to deposits | 53.3617% | 5,299 |
| Net loans and leases to core deposits | 69.4799% | 4,418 |
| Total domestic deposits to total assets | 84.5333% | 3,204 |
| Equity capital to assets | 10.2709% | 3,850 |
| Core capital (leverage) ratio | 9.5001% | 4,301 |
| Tier 1 risk-based capital ratio | 16.4619% | 2,597 |
| Total risk-based capital ratio | 17.7192% | 2,550 |
| Memoranda: | ||
| Average total assets | $90,756,000 | 4,702 |
| Average earning assets | $85,158,000 | 4,656 |
| Average equity | $9,020,000 | 4,897 |
| Average total loans | $39,642,000 | 5,080 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 4,167 |
| Cost of funding earning assets | 0.4147% | 3,101 |
| Net interest margin | 3.3577% | 4,066 |
| Noninterest income to average assets | 0.4765% | 3,520 |
| Noninterest expense to average assets | 2.3361% | 4,756 |
| Loan and lease loss provision to assets | 0.0551% | 3,008 |
| Net operating income to assets | 1.2287% | 1,521 |
| Return on assets (ROA) | 1.3346% | 1,276 |
| Pretax return on assets | 1.3346% | 2,231 |
| Return on Equity (ROE) | 13.5802% | 988 |
| Retained earnings to average equity (ytd only) | 0.6734% | 5,293 |
| Net charge-offs to loans | 0.1236% | 1,775 |
| Credit loss provision to net charge-offs | 104.1667% | 1,993 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,568 |
| Efficiency ratio | 64.5338% | 4,269 |
| Assets per employee ($millions) | 5.0773% | 2,172 |
| Cash dividends to net income (ytd only)* | 95.0413% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2208% | 714 |
| Loan loss allowance to noncurrent loans | 1,632.7273% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 5,049 |
| Noncurrent loans to loans | 0.1360% | 5,205 |
| Net loans and leases to total assets | 43.2620% | 5,422 |
| Net loans and leases to deposits | 49.5563% | 5,529 |
| Net loans and leases to core deposits | 64.3376% | 4,787 |
| Total domestic deposits to total assets | 87.2987% | 2,010 |
| Equity capital to assets | 9.6606% | 4,454 |
| Core capital (leverage) ratio | 9.0201% | 4,943 |
| Tier 1 risk-based capital ratio | 15.9136% | 2,896 |
| Total risk-based capital ratio | 17.1701% | 2,856 |
| Memoranda: | ||
| Average total assets | $90,663,330 | 4,748 |
| Average earning assets | $84,880,330 | 4,713 |
| Average equity | $8,910,000 | 4,961 |
| Average total loans | $38,850,330 | 5,149 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7288% | 4,264 |
| Cost of funding earning assets | 0.4348% | 2,930 |
| Net interest margin | 3.2940% | 4,247 |
| Noninterest income to average assets | 0.4651% | 3,535 |
| Noninterest expense to average assets | 2.3212% | 4,823 |
| Loan and lease loss provision to assets | 0.0576% | 2,777 |
| Net operating income to assets | 1.1739% | 1,621 |
| Return on assets (ROA) | 1.3776% | 1,133 |
| Pretax return on assets | 1.3776% | 1,967 |
| Return on Equity (ROE) | 13.8987% | 900 |
| Retained earnings to average equity (ytd only) | -11.7982% | 6,172 |
| Net charge-offs to loans | 0.0526% | 2,253 |
| Credit loss provision to net charge-offs | 260.0000% | 903 |
| Earnings coverage of net charge-offs (x) | 55.6000% | 778 |
| Efficiency ratio | 65.3367% | 4,265 |
| Assets per employee ($millions) | 5.3820% | 1,913 |
| Cash dividends to net income (ytd only)* | 184.8875% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4215% | 593 |
| Loan loss allowance to noncurrent loans | 4,757.8947% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 5,296 |
| Noncurrent loans to loans | 0.0509% | 5,576 |
| Net loans and leases to total assets | 39.8157% | 5,608 |
| Net loans and leases to deposits | 45.0910% | 5,704 |
| Net loans and leases to core deposits | 57.6855% | 5,141 |
| Total domestic deposits to total assets | 88.3009% | 1,660 |
| Equity capital to assets | 9.6236% | 4,602 |
| Core capital (leverage) ratio | 8.7512% | 5,257 |
| Tier 1 risk-based capital ratio | 13.1722% | 4,520 |
| Total risk-based capital ratio | 14.2971% | 4,493 |
| Memoranda: | ||
| Average total assets | $90,299,000 | 4,804 |
| Average earning assets | $84,639,000 | 4,756 |
| Average equity | $8,950,500 | 5,006 |
| Average total loans | $38,057,500 | 5,213 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 3,958 |
| Cost of funding earning assets | 0.4495% | 3,174 |
| Net interest margin | 3.4935% | 3,823 |
| Noninterest income to average assets | 0.5506% | 3,174 |
| Noninterest expense to average assets | 2.3410% | 4,997 |
| Loan and lease loss provision to assets | 0.1032% | 2,429 |
| Net operating income to assets | 1.3604% | 1,160 |
| Return on assets (ROA) | 1.3604% | 1,208 |
| Pretax return on assets | 1.3604% | 2,041 |
| Return on Equity (ROE) | 14.2026% | 904 |
| Retained earnings to average equity (ytd only) | 7.3168% | 1,265 |
| Net charge-offs to loans | -0.0078% | 5,521 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5315% | 4,989 |
| Assets per employee ($millions) | 5.2414% | 2,024 |
| Cash dividends to net income (ytd only)* | 48.4823% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3104% | 712 |
| Loan loss allowance to noncurrent loans | 4,715.7895% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 5,345 |
| Noncurrent loans to loans | 0.0490% | 5,686 |
| Net loans and leases to total assets | 42.5189% | 5,578 |
| Net loans and leases to deposits | 48.4804% | 5,658 |
| Net loans and leases to core deposits | 61.8678% | 5,005 |
| Total domestic deposits to total assets | 87.7031% | 1,922 |
| Equity capital to assets | 10.2083% | 3,845 |
| Core capital (leverage) ratio | 9.1614% | 4,731 |
| Tier 1 risk-based capital ratio | 16.0713% | 2,930 |
| Total risk-based capital ratio | 17.3273% | 2,864 |
| Memoranda: | ||
| Average total assets | $87,183,200 | 4,906 |
| Average earning assets | $81,208,600 | 4,867 |
| Average equity | $8,350,600 | 5,116 |
| Average total loans | $38,342,400 | 5,239 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,933 |
| Cost of funding earning assets | 0.4410% | 3,359 |
| Net interest margin | 3.5180% | 3,762 |
| Noninterest income to average assets | 0.5351% | 3,291 |
| Noninterest expense to average assets | 2.3851% | 4,874 |
| Loan and lease loss provision to assets | 0.1030% | 2,317 |
| Net operating income to assets | 1.3225% | 1,307 |
| Return on assets (ROA) | 1.3225% | 1,367 |
| Pretax return on assets | 1.3225% | 2,298 |
| Return on Equity (ROE) | 14.0446% | 973 |
| Retained earnings to average equity (ytd only) | 4.6543% | 3,319 |
| Net charge-offs to loans | -0.0070% | 5,353 |
| Credit loss provision to net charge-offs | -3,350.0000% | 6,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5908% | 4,796 |
| Assets per employee ($millions) | 5.1466% | 2,084 |
| Cash dividends to net income (ytd only)* | 66.8606% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2133% | 926 |
| Loan loss allowance to noncurrent loans | 3,006.8966% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,479 |
| Noncurrent loans to loans | 0.0736% | 5,730 |
| Net loans and leases to total assets | 44.0332% | 5,520 |
| Net loans and leases to deposits | 51.8324% | 5,539 |
| Net loans and leases to core deposits | 66.1675% | 4,688 |
| Total domestic deposits to total assets | 84.9531% | 3,357 |
| Equity capital to assets | 9.9036% | 4,296 |
| Core capital (leverage) ratio | 9.1514% | 4,850 |
| Tier 1 risk-based capital ratio | 15.2331% | 3,456 |
| Total risk-based capital ratio | 16.4881% | 3,395 |
| Memoranda: | ||
| Average total assets | $86,703,000 | 4,965 |
| Average earning assets | $80,725,500 | 4,931 |
| Average equity | $8,164,250 | 5,202 |
| Average total loans | $38,232,500 | 5,293 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 4,451 |
| Cost of funding earning assets | 0.4326% | 3,518 |
| Net interest margin | 3.3863% | 4,232 |
| Noninterest income to average assets | 0.5460% | 3,161 |
| Noninterest expense to average assets | 2.4017% | 4,874 |
| Loan and lease loss provision to assets | 0.1041% | 2,284 |
| Net operating income to assets | 1.1916% | 1,619 |
| Return on assets (ROA) | 1.1916% | 1,686 |
| Pretax return on assets | 1.1916% | 2,693 |
| Return on Equity (ROE) | 12.8793% | 1,207 |
| Retained earnings to average equity (ytd only) | -1.5005% | 5,928 |
| Net charge-offs to loans | -0.0053% | 5,185 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9562% | 4,539 |
| Assets per employee ($millions) | 5.5824% | 1,623 |
| Cash dividends to net income (ytd only)* | 111.6505% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 1,023 |
| Loan loss allowance to noncurrent loans | 257.2727% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 4,450 |
| Noncurrent loans to loans | 0.8556% | 3,561 |
| Net loans and leases to total assets | 42.2311% | 5,665 |
| Net loans and leases to deposits | 47.6190% | 5,789 |
| Net loans and leases to core deposits | 58.8915% | 5,210 |
| Total domestic deposits to total assets | 88.6854% | 1,548 |
| Equity capital to assets | 9.2120% | 5,093 |
| Core capital (leverage) ratio | 8.7215% | 5,371 |
| Tier 1 risk-based capital ratio | 15.0432% | 3,613 |
| Total risk-based capital ratio | 16.2994% | 3,555 |
| Memoranda: | ||
| Average total assets | $86,439,670 | 5,010 |
| Average earning assets | $80,440,670 | 4,973 |
| Average equity | $7,997,330 | 5,273 |
| Average total loans | $37,844,000 | 5,344 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,962 |
| Cost of funding earning assets | 0.4195% | 3,764 |
| Net interest margin | 3.5123% | 3,636 |
| Noninterest income to average assets | 0.5600% | 2,986 |
| Noninterest expense to average assets | 2.4000% | 4,925 |
| Loan and lease loss provision to assets | 0.1082% | 2,127 |
| Net operating income to assets | 1.3223% | 1,157 |
| Return on assets (ROA) | 1.3223% | 1,207 |
| Pretax return on assets | 1.3223% | 2,022 |
| Return on Equity (ROE) | 14.2603% | 896 |
| Retained earnings to average equity (ytd only) | -14.9201% | 6,466 |
| Net charge-offs to loans | -0.0107% | 5,074 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6536% | 5,041 |
| Assets per employee ($millions) | 5.3746% | 1,833 |
| Cash dividends to net income (ytd only)* | 204.6263% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2519% | 1,096 |
| Loan loss allowance to noncurrent loans | 250.6061% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 4,538 |
| Noncurrent loans to loans | 0.8986% | 3,638 |
| Net loans and leases to total assets | 41.7436% | 5,691 |
| Net loans and leases to deposits | 46.9653% | 5,784 |
| Net loans and leases to core deposits | 57.2593% | 5,258 |
| Total domestic deposits to total assets | 88.8818% | 1,737 |
| Equity capital to assets | 8.9727% | 5,147 |
| Core capital (leverage) ratio | 8.6543% | 5,451 |
| Tier 1 risk-based capital ratio | 15.4309% | 3,479 |
| Total risk-based capital ratio | 16.6867% | 3,431 |
| Memoranda: | ||
| Average total assets | $85,000,500 | 5,088 |
| Average earning assets | $79,149,500 | 5,049 |
| Average equity | $7,882,000 | 5,331 |
| Average total loans | $37,481,500 | 5,406 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 4,002 |
| Cost of funding earning assets | 0.4233% | 4,397 |
| Net interest margin | 3.6017% | 3,462 |
| Noninterest income to average assets | 0.5636% | 3,304 |
| Noninterest expense to average assets | 2.4794% | 4,837 |
| Loan and lease loss provision to assets | 0.0880% | 3,347 |
| Net operating income to assets | 1.3253% | 1,193 |
| Return on assets (ROA) | 1.3253% | 1,230 |
| Pretax return on assets | 1.3253% | 2,054 |
| Return on Equity (ROE) | 13.5459% | 1,052 |
| Retained earnings to average equity (ytd only) | 6.3606% | 1,767 |
| Net charge-offs to loans | -0.1267% | 6,533 |
| Credit loss provision to net charge-offs | -160.0000% | 5,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6935% | 4,959 |
| Assets per employee ($millions) | 4.9416% | 2,247 |
| Cash dividends to net income (ytd only)* | 53.0443% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1000% | 1,330 |
| Loan loss allowance to noncurrent loans | 501.8750% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 5,227 |
| Noncurrent loans to loans | 0.4184% | 4,952 |
| Net loans and leases to total assets | 44.5630% | 5,619 |
| Net loans and leases to deposits | 50.5059% | 5,732 |
| Net loans and leases to core deposits | 59.2061% | 5,281 |
| Total domestic deposits to total assets | 88.2331% | 2,036 |
| Equity capital to assets | 9.5802% | 4,315 |
| Core capital (leverage) ratio | 8.9705% | 5,050 |
| Tier 1 risk-based capital ratio | 15.5417% | 3,346 |
| Total risk-based capital ratio | 16.7964% | 3,300 |
| Memoranda: | ||
| Average total assets | $81,792,400 | 5,199 |
| Average earning assets | $75,603,800 | 5,164 |
| Average equity | $8,002,400 | 5,333 |
| Average total loans | $35,515,800 | 5,515 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0232% | 4,041 |
| Cost of funding earning assets | 0.4142% | 4,684 |
| Net interest margin | 3.6089% | 3,406 |
| Noninterest income to average assets | 0.5400% | 3,523 |
| Noninterest expense to average assets | 2.5225% | 4,647 |
| Loan and lease loss provision to assets | 0.0394% | 4,221 |
| Net operating income to assets | 1.3097% | 1,327 |
| Return on assets (ROA) | 1.3097% | 1,380 |
| Pretax return on assets | 1.3097% | 2,301 |
| Return on Equity (ROE) | 13.3146% | 1,168 |
| Retained earnings to average equity (ytd only) | 3.7208% | 4,047 |
| Net charge-offs to loans | -0.1646% | 6,613 |
| Credit loss provision to net charge-offs | -55.8140% | 5,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1547% | 4,623 |
| Assets per employee ($millions) | 4.8554% | 2,362 |
| Cash dividends to net income (ytd only)* | 72.0556% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0062% | 1,702 |
| Loan loss allowance to noncurrent loans | 470.0000% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 5,349 |
| Noncurrent loans to loans | 0.4269% | 5,133 |
| Net loans and leases to total assets | 44.4998% | 5,685 |
| Net loans and leases to deposits | 51.7200% | 5,728 |
| Net loans and leases to core deposits | 60.1418% | 5,288 |
| Total domestic deposits to total assets | 86.0398% | 3,230 |
| Equity capital to assets | 9.2389% | 4,884 |
| Core capital (leverage) ratio | 8.9214% | 5,234 |
| Tier 1 risk-based capital ratio | 15.0516% | 3,722 |
| Total risk-based capital ratio | 16.3061% | 3,670 |
| Memoranda: | ||
| Average total assets | $81,238,750 | 5,253 |
| Average earning assets | $74,997,000 | 5,226 |
| Average equity | $7,991,000 | 5,391 |
| Average total loans | $34,835,000 | 5,600 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 4,284 |
| Cost of funding earning assets | 0.4011% | 4,936 |
| Net interest margin | 3.5510% | 3,559 |
| Noninterest income to average assets | 0.5396% | 3,572 |
| Noninterest expense to average assets | 2.5642% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2623% | 1,424 |
| Return on assets (ROA) | 1.2623% | 1,522 |
| Pretax return on assets | 1.2623% | 2,435 |
| Return on Equity (ROE) | 12.5729% | 1,342 |
| Retained earnings to average equity (ytd only) | -1.6024% | 6,141 |
| Net charge-offs to loans | -0.0884% | 6,470 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0116% | 4,360 |
| Assets per employee ($millions) | 4.8604% | 2,285 |
| Cash dividends to net income (ytd only)* | 112.7451% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 2,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 6,016 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.2536% | 5,719 |
| Net loans and leases to deposits | 51.8859% | 5,696 |
| Net loans and leases to core deposits | 57.6462% | 5,453 |
| Total domestic deposits to total assets | 85.2903% | 3,745 |
| Equity capital to assets | 9.4752% | 4,614 |
| Core capital (leverage) ratio | 8.6374% | 5,508 |
| Tier 1 risk-based capital ratio | 14.4116% | 4,153 |
| Total risk-based capital ratio | 15.6642% | 4,114 |
| Memoranda: | ||
| Average total assets | $80,804,330 | 5,301 |
| Average earning assets | $74,795,670 | 5,255 |
| Average equity | $8,112,670 | 5,406 |
| Average total loans | $33,952,330 | 5,669 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 4,503 |
| Cost of funding earning assets | 0.4125% | 4,984 |
| Net interest margin | 3.4790% | 3,791 |
| Noninterest income to average assets | 0.5207% | 3,624 |
| Noninterest expense to average assets | 2.6135% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1165% | 1,794 |
| Return on assets (ROA) | 1.1165% | 1,903 |
| Pretax return on assets | 1.1165% | 2,895 |
| Return on Equity (ROE) | 10.8062% | 1,759 |
| Retained earnings to average equity (ytd only) | -17.0574% | 6,789 |
| Net charge-offs to loans | 0.0619% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 44.6000% | 730 |
| Efficiency ratio | 70.0671% | 3,957 |
| Assets per employee ($millions) | 4.7579% | 2,554 |
| Cash dividends to net income (ytd only)* | 257.8475% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1359% | 1,716 |
| Loan loss allowance to noncurrent loans | 1,389.7959% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 5,896 |
| Noncurrent loans to loans | 0.1537% | 6,010 |
| Net loans and leases to total assets | 38.5758% | 6,113 |
| Net loans and leases to deposits | 43.8273% | 6,217 |
| Net loans and leases to core deposits | 48.4864% | 6,067 |
| Total domestic deposits to total assets | 88.0176% | 2,297 |
| Equity capital to assets | 9.8325% | 4,379 |
| Core capital (leverage) ratio | 8.2926% | 5,834 |
| Tier 1 risk-based capital ratio | 15.4193% | 3,581 |
| Total risk-based capital ratio | 16.6724% | 3,536 |
| Memoranda: | ||
| Average total assets | $79,893,500 | 5,368 |
| Average earning assets | $73,700,000 | 5,332 |
| Average equity | $8,254,500 | 5,422 |
| Average total loans | $32,296,000 | 5,784 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 4,380 |
| Cost of funding earning assets | 0.5268% | 5,013 |
| Net interest margin | 3.7304% | 3,517 |
| Noninterest income to average assets | 0.5409% | 3,642 |
| Noninterest expense to average assets | 2.7020% | 4,390 |
| Loan and lease loss provision to assets | 0.0982% | 4,415 |
| Net operating income to assets | 1.1906% | 1,634 |
| Return on assets (ROA) | 1.3621% | 1,297 |
| Pretax return on assets | 1.3621% | 2,168 |
| Return on Equity (ROE) | 12.9773% | 1,226 |
| Retained earnings to average equity (ytd only) | 5.8023% | 2,195 |
| Net charge-offs to loans | 0.2855% | 3,234 |
| Credit loss provision to net charge-offs | 84.2697% | 3,688 |
| Earnings coverage of net charge-offs (x) | 11.0562% | 2,075 |
| Efficiency ratio | 67.7059% | 4,203 |
| Assets per employee ($millions) | 4.6413% | 2,712 |
| Cash dividends to net income (ytd only)* | 55.2885% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0973% | 1,775 |
| Loan loss allowance to noncurrent loans | 591.3793% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 5,729 |
| Noncurrent loans to loans | 0.3546% | 5,599 |
| Net loans and leases to total assets | 40.5858% | 6,131 |
| Net loans and leases to deposits | 47.0000% | 6,176 |
| Net loans and leases to core deposits | 50.7802% | 6,100 |
| Total domestic deposits to total assets | 86.3527% | 3,177 |
| Equity capital to assets | 10.8438% | 3,127 |
| Core capital (leverage) ratio | 8.9491% | 4,971 |
| Tier 1 risk-based capital ratio | 16.0616% | 3,130 |
| Total risk-based capital ratio | 17.3155% | 3,080 |
| Memoranda: | ||
| Average total assets | $76,350,000 | 5,450 |
| Average earning assets | $70,609,400 | 5,406 |
| Average equity | $8,014,000 | 5,500 |
| Average total loans | $31,172,000 | 5,888 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 4,456 |
| Cost of funding earning assets | 0.5521% | 5,067 |
| Net interest margin | 3.7473% | 3,569 |
| Noninterest income to average assets | 0.4896% | 3,985 |
| Noninterest expense to average assets | 2.6767% | 4,467 |
| Loan and lease loss provision to assets | 0.1321% | 3,899 |
| Net operating income to assets | 1.1587% | 1,873 |
| Return on assets (ROA) | 1.3894% | 1,372 |
| Pretax return on assets | 1.3894% | 2,272 |
| Return on Equity (ROE) | 13.3524% | 1,257 |
| Retained earnings to average equity (ytd only) | 3.6216% | 4,331 |
| Net charge-offs to loans | 0.3984% | 2,501 |
| Credit loss provision to net charge-offs | 81.5217% | 3,578 |
| Earnings coverage of net charge-offs (x) | 7.9676% | 2,520 |
| Efficiency ratio | 67.4656% | 4,184 |
| Assets per employee ($millions) | 4.4551% | 2,991 |
| Cash dividends to net income (ytd only)* | 72.8776% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1446% | 1,817 |
| Loan loss allowance to noncurrent loans | 227.6667% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 5,244 |
| Noncurrent loans to loans | 0.9420% | 4,552 |
| Net loans and leases to total assets | 41.1495% | 6,188 |
| Net loans and leases to deposits | 49.9423% | 6,110 |
| Net loans and leases to core deposits | 54.4462% | 6,012 |
| Total domestic deposits to total assets | 82.3941% | 4,880 |
| Equity capital to assets | 10.7637% | 3,539 |
| Core capital (leverage) ratio | 9.1740% | 4,803 |
| Tier 1 risk-based capital ratio | 16.7593% | 2,865 |
| Total risk-based capital ratio | 18.0145% | 2,819 |
| Memoranda: | ||
| Average total assets | $75,712,000 | 5,526 |
| Average earning assets | $70,271,750 | 5,477 |
| Average equity | $7,878,500 | 5,592 |
| Average total loans | $30,787,750 | 5,988 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 4,630 |
| Cost of funding earning assets | 0.5917% | 4,970 |
| Net interest margin | 3.6923% | 3,863 |
| Noninterest income to average assets | 0.5654% | 3,484 |
| Noninterest expense to average assets | 2.6709% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3236% | 1,379 |
| Return on assets (ROA) | 1.5746% | 984 |
| Pretax return on assets | 1.5746% | 1,626 |
| Return on Equity (ROE) | 15.3069% | 888 |
| Retained earnings to average equity (ytd only) | 0.5393% | 5,848 |
| Net charge-offs to loans | 0.0854% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 38.5385% | 901 |
| Efficiency ratio | 66.8651% | 4,345 |
| Assets per employee ($millions) | 4.1207% | 3,629 |
| Cash dividends to net income (ytd only)* | 96.4765% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 1,984 |
| Loan loss allowance to noncurrent loans | 182.4468% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 4,968 |
| Noncurrent loans to loans | 1.1541% | 4,227 |
| Net loans and leases to total assets | 42.9995% | 6,110 |
| Net loans and leases to deposits | 50.3123% | 6,161 |
| Net loans and leases to core deposits | 54.4229% | 6,064 |
| Total domestic deposits to total assets | 85.4651% | 3,629 |
| Equity capital to assets | 10.4634% | 3,727 |
| Core capital (leverage) ratio | 8.9981% | 4,922 |
| Tier 1 risk-based capital ratio | 15.4814% | 3,454 |
| Total risk-based capital ratio | 16.7346% | 3,418 |
| Memoranda: | ||
| Average total assets | $75,704,000 | 5,552 |
| Average earning assets | $70,307,670 | 5,513 |
| Average equity | $7,787,330 | 5,633 |
| Average total loans | $30,434,330 | 6,042 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 5,082 |
| Cost of funding earning assets | 0.6428% | 4,798 |
| Net interest margin | 3.5636% | 4,427 |
| Noninterest income to average assets | 0.5597% | 3,501 |
| Noninterest expense to average assets | 2.7096% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1560% | 1,864 |
| Return on assets (ROA) | 1.6529% | 882 |
| Pretax return on assets | 1.6529% | 1,427 |
| Return on Equity (ROE) | 16.2041% | 773 |
| Retained earnings to average equity (ytd only) | -13.2812% | 6,937 |
| Net charge-offs to loans | -0.1362% | 6,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0947% | 3,789 |
| Assets per employee ($millions) | 4.5087% | 2,977 |
| Cash dividends to net income (ytd only)* | 181.9620% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3806% | 1,540 |
| Loan loss allowance to noncurrent loans | 177.4436% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 5,074 |
| Noncurrent loans to loans | 1.3416% | 4,105 |
| Net loans and leases to total assets | 37.8784% | 6,497 |
| Net loans and leases to deposits | 43.9149% | 6,565 |
| Net loans and leases to core deposits | 47.2635% | 6,495 |
| Total domestic deposits to total assets | 86.2540% | 3,384 |
| Equity capital to assets | 9.7302% | 4,479 |
| Core capital (leverage) ratio | 8.2208% | 5,997 |
| Tier 1 risk-based capital ratio | 15.5183% | 3,438 |
| Total risk-based capital ratio | 16.7737% | 3,408 |
| Memoranda: | ||
| Average total assets | $76,469,500 | 5,579 |
| Average earning assets | $70,939,500 | 5,531 |
| Average equity | $7,800,500 | 5,657 |
| Average total loans | $29,361,500 | 6,144 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 4,434 |
| Cost of funding earning assets | 0.8293% | 4,632 |
| Net interest margin | 3.8263% | 3,691 |
| Noninterest income to average assets | 0.8318% | 1,920 |
| Noninterest expense to average assets | 2.6074% | 5,067 |
| Loan and lease loss provision to assets | 0.2155% | 4,041 |
| Net operating income to assets | 1.5285% | 779 |
| Return on assets (ROA) | 1.5429% | 820 |
| Pretax return on assets | 1.5429% | 1,359 |
| Return on Equity (ROE) | 14.9121% | 755 |
| Retained earnings to average equity (ytd only) | 6.9284% | 1,535 |
| Net charge-offs to loans | 0.3253% | 3,763 |
| Credit loss provision to net charge-offs | 156.2500% | 1,797 |
| Earnings coverage of net charge-offs (x) | 12.6458% | 1,605 |
| Efficiency ratio | 59.9208% | 5,771 |
| Assets per employee ($millions) | 4.4877% | 2,934 |
| Cash dividends to net income (ytd only)* | 53.5382% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4118% | 1,449 |
| Loan loss allowance to noncurrent loans | 170.0730% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 5,133 |
| Noncurrent loans to loans | 1.4181% | 4,034 |
| Net loans and leases to total assets | 37.0725% | 6,698 |
| Net loans and leases to deposits | 43.6103% | 6,740 |
| Net loans and leases to core deposits | 46.9178% | 6,693 |
| Total domestic deposits to total assets | 85.0087% | 3,840 |
| Equity capital to assets | 10.6736% | 3,340 |
| Core capital (leverage) ratio | 9.0678% | 4,667 |
| Tier 1 risk-based capital ratio | 17.5989% | 2,350 |
| Total risk-based capital ratio | 18.8565% | 2,313 |
| Memoranda: | ||
| Average total assets | $69,610,200 | 5,753 |
| Average earning assets | $64,030,200 | 5,734 |
| Average equity | $7,202,200 | 5,808 |
| Average total loans | $29,508,000 | 6,180 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7545% | 4,209 |
| Cost of funding earning assets | 0.8703% | 4,636 |
| Net interest margin | 3.8843% | 3,461 |
| Noninterest income to average assets | 0.9027% | 1,636 |
| Noninterest expense to average assets | 2.6042% | 5,061 |
| Loan and lease loss provision to assets | 0.2944% | 3,168 |
| Net operating income to assets | 1.5778% | 806 |
| Return on assets (ROA) | 1.5975% | 853 |
| Pretax return on assets | 1.5975% | 1,392 |
| Return on Equity (ROE) | 15.5779% | 740 |
| Retained earnings to average equity (ytd only) | 4.5738% | 3,461 |
| Net charge-offs to loans | 0.3464% | 3,364 |
| Credit loss provision to net charge-offs | 194.8052% | 1,500 |
| Earnings coverage of net charge-offs (x) | 12.3901% | 1,711 |
| Efficiency ratio | 58.1762% | 5,981 |
| Assets per employee ($millions) | 4.0785% | 3,681 |
| Cash dividends to net income (ytd only)* | 70.6388% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2521% | 1,770 |
| Loan loss allowance to noncurrent loans | 159.7778% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 5,516 |
| Noncurrent loans to loans | 1.4095% | 4,177 |
| Net loans and leases to total assets | 45.0090% | 6,240 |
| Net loans and leases to deposits | 54.7395% | 6,143 |
| Net loans and leases to core deposits | 59.7137% | 6,013 |
| Total domestic deposits to total assets | 82.2240% | 5,002 |
| Equity capital to assets | 11.3233% | 2,840 |
| Core capital (leverage) ratio | 9.3097% | 4,435 |
| Tier 1 risk-based capital ratio | 15.7904% | 3,225 |
| Total risk-based capital ratio | 17.0456% | 3,182 |
| Memoranda: | ||
| Average total assets | $67,940,000 | 5,841 |
| Average earning assets | $62,507,250 | 5,822 |
| Average equity | $6,967,000 | 5,910 |
| Average total loans | $29,639,500 | 6,235 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 4,903 |
| Cost of funding earning assets | 0.8864% | 4,783 |
| Net interest margin | 3.7293% | 4,120 |
| Noninterest income to average assets | 1.0730% | 1,138 |
| Noninterest expense to average assets | 2.6232% | 5,099 |
| Loan and lease loss provision to assets | 0.4446% | 2,212 |
| Net operating income to assets | 1.4346% | 1,010 |
| Return on assets (ROA) | 1.4642% | 1,014 |
| Pretax return on assets | 1.4642% | 1,632 |
| Return on Equity (ROE) | 14.8074% | 835 |
| Retained earnings to average equity (ytd only) | -2.4279% | 6,308 |
| Net charge-offs to loans | 0.4710% | 2,696 |
| Credit loss provision to net charge-offs | 220.5882% | 1,356 |
| Earnings coverage of net charge-offs (x) | 9.3235% | 1,940 |
| Efficiency ratio | 58.2620% | 6,130 |
| Assets per employee ($millions) | 4.0395% | 3,678 |
| Cash dividends to net income (ytd only)* | 116.3968% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3984% | 1,594 |
| Loan loss allowance to noncurrent loans | 136.5854% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 5,339 |
| Noncurrent loans to loans | 1.7559% | 3,815 |
| Net loans and leases to total assets | 43.1413% | 6,509 |
| Net loans and leases to deposits | 51.4189% | 6,509 |
| Net loans and leases to core deposits | 56.1300% | 6,406 |
| Total domestic deposits to total assets | 83.9017% | 4,389 |
| Equity capital to assets | 10.1380% | 3,968 |
| Core capital (leverage) ratio | 9.0882% | 4,595 |
| Tier 1 risk-based capital ratio | 15.5086% | 3,236 |
| Total risk-based capital ratio | 16.7657% | 3,177 |
| Memoranda: | ||
| Average total assets | $67,475,000 | 5,903 |
| Average earning assets | $62,048,670 | 5,889 |
| Average equity | $6,672,330 | 6,023 |
| Average total loans | $28,877,330 | 6,330 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 5,427 |
| Cost of funding earning assets | 0.8924% | 4,976 |
| Net interest margin | 3.5827% | 4,653 |
| Noninterest income to average assets | 1.5491% | 544 |
| Noninterest expense to average assets | 2.6497% | 5,042 |
| Loan and lease loss provision to assets | 0.8972% | 896 |
| Net operating income to assets | 1.2919% | 1,288 |
| Return on assets (ROA) | 1.2919% | 1,333 |
| Pretax return on assets | 1.2919% | 2,066 |
| Return on Equity (ROE) | 13.2363% | 1,140 |
| Retained earnings to average equity (ytd only) | -21.9992% | 7,193 |
| Net charge-offs to loans | -0.0711% | 6,991 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7590% | 6,623 |
| Assets per employee ($millions) | 4.1437% | 3,555 |
| Cash dividends to net income (ytd only)* | 266.2037% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8887% | 1,021 |
| Loan loss allowance to noncurrent loans | 102.8278% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,600 |
| Noncurrent loans to loans | 2.8093% | 2,688 |
| Net loans and leases to total assets | 40.5647% | 6,738 |
| Net loans and leases to deposits | 48.1704% | 6,748 |
| Net loans and leases to core deposits | 53.9098% | 6,564 |
| Total domestic deposits to total assets | 84.2109% | 4,407 |
| Equity capital to assets | 9.7000% | 4,181 |
| Core capital (leverage) ratio | 8.6277% | 5,212 |
| Tier 1 risk-based capital ratio | 15.8976% | 2,954 |
| Total risk-based capital ratio | 17.1601% | 2,920 |
| Memoranda: | ||
| Average total assets | $66,876,500 | 5,973 |
| Average earning assets | $61,406,500 | 5,956 |
| Average equity | $6,527,500 | 6,085 |
| Average total loans | $28,139,000 | 6,411 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 4,532 |
| Cost of funding earning assets | 1.0539% | 5,407 |
| Net interest margin | 3.9517% | 3,255 |
| Noninterest income to average assets | 0.7666% | 2,450 |
| Noninterest expense to average assets | 2.6652% | 5,152 |
| Loan and lease loss provision to assets | 0.1851% | 5,382 |
| Net operating income to assets | 1.4035% | 946 |
| Return on assets (ROA) | 1.4035% | 1,019 |
| Pretax return on assets | 1.4035% | 1,658 |
| Return on Equity (ROE) | 13.9729% | 882 |
| Retained earnings to average equity (ytd only) | 7.8310% | 1,033 |
| Net charge-offs to loans | 0.2737% | 4,655 |
| Credit loss provision to net charge-offs | 153.8462% | 2,306 |
| Earnings coverage of net charge-offs (x) | 13.2051% | 1,433 |
| Efficiency ratio | 62.6541% | 5,594 |
| Assets per employee ($millions) | 4.2159% | 3,360 |
| Cash dividends to net income (ytd only)* | 43.9560% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2600% | 1,755 |
| Loan loss allowance to noncurrent loans | 76.9964% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 2.0977% | 3,225 |
| Noncurrent loans to loans | 2.9352% | 2,602 |
| Net loans and leases to total assets | 41.4179% | 6,879 |
| Net loans and leases to deposits | 49.1814% | 6,896 |
| Net loans and leases to core deposits | 54.8266% | 6,764 |
| Total domestic deposits to total assets | 84.2144% | 4,266 |
| Equity capital to assets | 9.8200% | 3,976 |
| Core capital (leverage) ratio | 9.3077% | 3,998 |
| Tier 1 risk-based capital ratio | 16.1058% | 2,702 |
| Total risk-based capital ratio | 17.3599% | 2,656 |
| Memoranda: | ||
| Average total assets | $64,835,800 | 6,038 |
| Average earning assets | $57,216,000 | 6,091 |
| Average equity | $6,512,600 | 6,196 |
| Average total loans | $28,497,200 | 6,475 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 4,200 |
| Cost of funding earning assets | 1.1032% | 5,398 |
| Net interest margin | 4.0215% | 3,002 |
| Noninterest income to average assets | 0.7666% | 2,409 |
| Noninterest expense to average assets | 2.6798% | 4,964 |
| Loan and lease loss provision to assets | 0.1870% | 5,171 |
| Net operating income to assets | 1.4209% | 1,071 |
| Return on assets (ROA) | 1.4209% | 1,141 |
| Pretax return on assets | 1.4209% | 1,822 |
| Return on Equity (ROE) | 14.0635% | 1,019 |
| Retained earnings to average equity (ytd only) | 5.8392% | 2,453 |
| Net charge-offs to loans | 0.1077% | 5,466 |
| Credit loss provision to net charge-offs | 391.3043% | 782 |
| Earnings coverage of net charge-offs (x) | 33.6475% | 798 |
| Efficiency ratio | 62.5000% | 5,521 |
| Assets per employee ($millions) | 3.7412% | 4,412 |
| Cash dividends to net income (ytd only)* | 58.4794% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 1,751 |
| Loan loss allowance to noncurrent loans | 87.0130% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 2.1163% | 3,311 |
| Noncurrent loans to loans | 2.5567% | 3,066 |
| Net loans and leases to total assets | 46.2996% | 6,669 |
| Net loans and leases to deposits | 55.9297% | 6,621 |
| Net loans and leases to core deposits | 65.3666% | 6,173 |
| Total domestic deposits to total assets | 82.7817% | 4,684 |
| Equity capital to assets | 10.8426% | 3,126 |
| Core capital (leverage) ratio | 9.4525% | 3,982 |
| Tier 1 risk-based capital ratio | 15.3741% | 3,060 |
| Total risk-based capital ratio | 16.6300% | 3,021 |
| Memoranda: | ||
| Average total assets | $64,181,250 | 6,129 |
| Average earning assets | $56,196,250 | 6,193 |
| Average equity | $6,484,750 | 6,286 |
| Average total loans | $28,475,500 | 6,558 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0975% | 4,469 |
| Cost of funding earning assets | 1.1462% | 5,428 |
| Net interest margin | 3.9513% | 3,237 |
| Noninterest income to average assets | 0.8078% | 2,079 |
| Noninterest expense to average assets | 2.5973% | 5,335 |
| Loan and lease loss provision to assets | 0.1864% | 5,005 |
| Net operating income to assets | 1.4726% | 954 |
| Return on assets (ROA) | 1.4726% | 1,020 |
| Pretax return on assets | 1.4726% | 1,634 |
| Return on Equity (ROE) | 14.9346% | 868 |
| Retained earnings to average equity (ytd only) | 2.3316% | 4,670 |
| Net charge-offs to loans | 0.0788% | 5,348 |
| Credit loss provision to net charge-offs | 545.4545% | 676 |
| Earnings coverage of net charge-offs (x) | 48.5455% | 613 |
| Efficiency ratio | 61.0219% | 5,852 |
| Assets per employee ($millions) | 3.5416% | 4,813 |
| Cash dividends to net income (ytd only)* | 84.3882% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 1,696 |
| Loan loss allowance to noncurrent loans | 60.1476% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.6040% | 2,778 |
| Noncurrent loans to loans | 3.7169% | 2,099 |
| Net loans and leases to total assets | 44.7254% | 6,867 |
| Net loans and leases to deposits | 53.5517% | 6,891 |
| Net loans and leases to core deposits | 60.4029% | 6,682 |
| Total domestic deposits to total assets | 83.5182% | 4,327 |
| Equity capital to assets | 10.1743% | 3,806 |
| Core capital (leverage) ratio | 9.2647% | 4,184 |
| Tier 1 risk-based capital ratio | 14.3075% | 3,532 |
| Total risk-based capital ratio | 15.5616% | 3,509 |
| Memoranda: | ||
| Average total assets | $64,374,670 | 6,166 |
| Average earning assets | $56,184,000 | 6,238 |
| Average equity | $6,347,670 | 6,355 |
| Average total loans | $27,928,330 | 6,637 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 4,894 |
| Cost of funding earning assets | 1.1565% | 5,621 |
| Net interest margin | 3.8716% | 3,448 |
| Noninterest income to average assets | 0.6307% | 3,075 |
| Noninterest expense to average assets | 2.5662% | 5,491 |
| Loan and lease loss provision to assets | 0.1855% | 4,652 |
| Net operating income to assets | 1.2738% | 1,351 |
| Return on assets (ROA) | 1.2738% | 1,422 |
| Pretax return on assets | 1.2738% | 2,127 |
| Return on Equity (ROE) | 13.1242% | 1,231 |
| Retained earnings to average equity (ytd only) | -12.3596% | 7,091 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7481% | 5,541 |
| Assets per employee ($millions) | 3.7118% | 4,548 |
| Cash dividends to net income (ytd only)* | 194.1748% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3351% | 1,525 |
| Loan loss allowance to noncurrent loans | 59.5305% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 2.6006% | 2,808 |
| Noncurrent loans to loans | 3.9225% | 2,019 |
| Net loans and leases to total assets | 42.0231% | 7,128 |
| Net loans and leases to deposits | 50.5394% | 7,106 |
| Net loans and leases to core deposits | 55.4077% | 7,022 |
| Total domestic deposits to total assets | 83.1492% | 4,545 |
| Equity capital to assets | 9.7938% | 4,120 |
| Core capital (leverage) ratio | 8.4578% | 5,450 |
| Tier 1 risk-based capital ratio | 15.0683% | 3,089 |
| Total risk-based capital ratio | 16.3240% | 3,037 |
| Memoranda: | ||
| Average total assets | $64,687,500 | 6,218 |
| Average earning assets | $56,720,500 | 6,290 |
| Average equity | $6,278,500 | 6,425 |
| Average total loans | $27,310,500 | 6,756 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 5,353 |
| Cost of funding earning assets | 1.4069% | 5,905 |
| Net interest margin | 3.8566% | 3,452 |
| Noninterest income to average assets | 0.6354% | 3,385 |
| Noninterest expense to average assets | 2.5355% | 6,010 |
| Loan and lease loss provision to assets | 0.5621% | 3,564 |
| Net operating income to assets | 1.0258% | 1,759 |
| Return on assets (ROA) | 1.0367% | 1,758 |
| Pretax return on assets | 1.0367% | 2,467 |
| Return on Equity (ROE) | 11.4176% | 1,316 |
| Retained earnings to average equity (ytd only) | 1.9602% | 3,731 |
| Net charge-offs to loans | 1.5665% | 1,610 |
| Credit loss provision to net charge-offs | 81.2641% | 6,258 |
| Earnings coverage of net charge-offs (x) | 2.2957% | 4,003 |
| Efficiency ratio | 61.4919% | 6,242 |
| Assets per employee ($millions) | 3.8985% | 4,025 |
| Cash dividends to net income (ytd only)* | 82.8313% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1951% | 1,659 |
| Loan loss allowance to noncurrent loans | 53.1746% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.5802% | 2,716 |
| Noncurrent loans to loans | 4.1281% | 1,779 |
| Net loans and leases to total assets | 40.5393% | 7,323 |
| Net loans and leases to deposits | 50.2807% | 7,249 |
| Net loans and leases to core deposits | 58.6270% | 7,317 |
| Total domestic deposits to total assets | 80.6259% | 5,459 |
| Equity capital to assets | 9.6222% | 4,245 |
| Core capital (leverage) ratio | 8.2608% | 5,701 |
| Tier 1 risk-based capital ratio | 15.2346% | 2,828 |
| Total risk-based capital ratio | 16.4902% | 2,787 |
| Memoranda: | ||
| Average total assets | $64,050,400 | 6,195 |
| Average earning assets | $57,927,200 | 6,221 |
| Average equity | $5,815,600 | 6,662 |
| Average total loans | $28,279,200 | 6,727 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3087% | 5,379 |
| Cost of funding earning assets | 1.4512% | 6,032 |
| Net interest margin | 3.8575% | 3,400 |
| Noninterest income to average assets | 0.5670% | 3,952 |
| Noninterest expense to average assets | 2.6626% | 5,481 |
| Loan and lease loss provision to assets | 0.7560% | 2,479 |
| Net operating income to assets | 0.6594% | 3,359 |
| Return on assets (ROA) | 0.6741% | 3,361 |
| Pretax return on assets | 0.6741% | 3,945 |
| Return on Equity (ROE) | 7.5413% | 2,848 |
| Retained earnings to average equity (ytd only) | -5.3800% | 6,298 |
| Net charge-offs to loans | 1.9146% | 1,044 |
| Credit loss provision to net charge-offs | 88.0196% | 5,537 |
| Earnings coverage of net charge-offs (x) | 1.6479% | 4,556 |
| Efficiency ratio | 65.2935% | 5,503 |
| Assets per employee ($millions) | 3.6924% | 4,442 |
| Cash dividends to net income (ytd only)* | 171.3405% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2011% | 1,419 |
| Loan loss allowance to noncurrent loans | 74.6776% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 2.2766% | 3,009 |
| Noncurrent loans to loans | 2.9475% | 2,578 |
| Net loans and leases to total assets | 45.0900% | 7,169 |
| Net loans and leases to deposits | 56.3053% | 7,074 |
| Net loans and leases to core deposits | 68.5402% | 7,046 |
| Total domestic deposits to total assets | 80.0812% | 5,401 |
| Equity capital to assets | 9.4870% | 4,764 |
| Core capital (leverage) ratio | 8.3928% | 5,672 |
| Tier 1 risk-based capital ratio | 14.1710% | 3,457 |
| Total risk-based capital ratio | 15.4275% | 3,398 |
| Memoranda: | ||
| Average total assets | $63,494,500 | 6,266 |
| Average earning assets | $57,790,500 | 6,269 |
| Average equity | $5,675,250 | 6,789 |
| Average total loans | $28,481,500 | 6,772 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 5,873 |
| Cost of funding earning assets | 1.4993% | 6,144 |
| Net interest margin | 3.7499% | 3,756 |
| Noninterest income to average assets | 0.5335% | 4,156 |
| Noninterest expense to average assets | 2.6641% | 5,498 |
| Loan and lease loss provision to assets | 0.4550% | 3,256 |
| Net operating income to assets | 0.8598% | 2,612 |
| Return on assets (ROA) | 0.8818% | 2,634 |
| Pretax return on assets | 0.8818% | 3,397 |
| Return on Equity (ROE) | 10.0681% | 1,997 |
| Retained earnings to average equity (ytd only) | -9.6381% | 6,838 |
| Net charge-offs to loans | -0.0212% | 7,709 |
| Credit loss provision to net charge-offs | -4,833.3333% | 7,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9558% | 5,371 |
| Assets per employee ($millions) | 3.6487% | 4,457 |
| Cash dividends to net income (ytd only)* | 195.7295% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8716% | 633 |
| Loan loss allowance to noncurrent loans | 60.1732% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.2345% | 2,907 |
| Noncurrent loans to loans | 4.7722% | 1,316 |
| Net loans and leases to total assets | 45.4778% | 7,232 |
| Net loans and leases to deposits | 56.6412% | 7,120 |
| Net loans and leases to core deposits | 63.6916% | 7,313 |
| Total domestic deposits to total assets | 80.2912% | 5,357 |
| Equity capital to assets | 9.1813% | 5,045 |
| Core capital (leverage) ratio | 8.3736% | 5,670 |
| Tier 1 risk-based capital ratio | 14.3601% | 3,324 |
| Total risk-based capital ratio | 15.6078% | 3,262 |
| Memoranda: | ||
| Average total assets | $63,736,000 | 6,306 |
| Average earning assets | $58,562,000 | 6,288 |
| Average equity | $5,582,000 | 6,868 |
| Average total loans | $28,328,670 | 6,831 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 6,145 |
| Cost of funding earning assets | 1.5655% | 6,175 |
| Net interest margin | 3.6772% | 3,989 |
| Noninterest income to average assets | 0.5512% | 3,909 |
| Noninterest expense to average assets | 2.7868% | 4,607 |
| Loan and lease loss provision to assets | 0.4954% | 2,494 |
| Net operating income to assets | 0.6874% | 3,616 |
| Return on assets (ROA) | 0.7308% | 3,618 |
| Pretax return on assets | 0.7308% | 4,320 |
| Return on Equity (ROE) | 8.5422% | 2,912 |
| Retained earnings to average equity (ytd only) | -31.2732% | 7,870 |
| Net charge-offs to loans | -0.0429% | 7,655 |
| Credit loss provision to net charge-offs | -2,666.6667% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2028% | 4,529 |
| Assets per employee ($millions) | 3.7550% | 4,216 |
| Cash dividends to net income (ytd only)* | 466.1017% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8123% | 572 |
| Loan loss allowance to noncurrent loans | 46.6910% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 2.5801% | 2,221 |
| Noncurrent loans to loans | 6.0233% | 795 |
| Net loans and leases to total assets | 41.6308% | 7,486 |
| Net loans and leases to deposits | 51.1304% | 7,455 |
| Net loans and leases to core deposits | 56.5907% | 7,591 |
| Total domestic deposits to total assets | 81.4209% | 4,784 |
| Equity capital to assets | 8.4327% | 6,180 |
| Core capital (leverage) ratio | 7.6461% | 6,961 |
| Tier 1 risk-based capital ratio | 11.6444% | 5,255 |
| Total risk-based capital ratio | 12.9003% | 5,170 |
| Memoranda: | ||
| Average total assets | $64,590,000 | 6,308 |
| Average earning assets | $60,045,000 | 6,257 |
| Average equity | $5,525,500 | 6,937 |
| Average total loans | $27,971,500 | 6,887 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8891% | 6,092 |
| Cost of funding earning assets | 2.2054% | 5,572 |
| Net interest margin | 3.6837% | 4,533 |
| Noninterest income to average assets | 0.6640% | 3,380 |
| Noninterest expense to average assets | 2.6543% | 5,430 |
| Loan and lease loss provision to assets | 0.4731% | 2,934 |
| Net operating income to assets | 0.9242% | 2,898 |
| Return on assets (ROA) | 0.9289% | 2,736 |
| Pretax return on assets | 0.9289% | 3,626 |
| Return on Equity (ROE) | 10.7325% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.7325% | 362 |
| Net charge-offs to loans | 0.0251% | 6,493 |
| Credit loss provision to net charge-offs | 4,285.7143% | 118 |
| Earnings coverage of net charge-offs (x) | 126.5714% | 355 |
| Efficiency ratio | 65.5119% | 5,219 |
| Assets per employee ($millions) | 3.8438% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3987% | 765 |
| Loan loss allowance to noncurrent loans | 40.6639% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 2.5817% | 1,871 |
| Noncurrent loans to loans | 5.8988% | 624 |
| Net loans and leases to total assets | 42.7164% | 7,548 |
| Net loans and leases to deposits | 53.5316% | 7,466 |
| Net loans and leases to core deposits | 57.7455% | 7,678 |
| Total domestic deposits to total assets | 79.7965% | 5,102 |
| Equity capital to assets | 8.6740% | 5,850 |
| Core capital (leverage) ratio | 8.5309% | 5,515 |
| Tier 1 risk-based capital ratio | 14.6324% | 3,238 |
| Total risk-based capital ratio | 15.8894% | 3,154 |
| Memoranda: | ||
| Average total assets | $63,407,400 | 6,254 |
| Average earning assets | $58,311,400 | 6,250 |
| Average equity | $5,488,000 | 6,982 |
| Average total loans | $27,929,600 | 6,849 |