Home > Bankers' Bank, Northeast > Performance and Condition Ratios
Bankers' Bank, Northeast, Performance and Condition Ratios
| 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 | 2.1936% | 5,598 |
| Cost of funding earning assets | 0.1357% | 5,341 |
| Net interest margin | 2.0580% | 5,568 |
| Noninterest income to average assets | 4.6181% | 116 |
| Noninterest expense to average assets | 5.6932% | 162 |
| Loan and lease loss provision to assets | -0.0124% | 5,313 |
| Net operating income to assets | 0.6513% | 3,818 |
| Return on assets (ROA) | 0.6513% | 3,853 |
| Pretax return on assets | 0.7444% | 4,401 |
| Return on Equity (ROE) | 6.2968% | 3,626 |
| Retained earnings to average equity (ytd only) | -4.5092% | 5,418 |
| Net charge-offs to loans | 0.0093% | 3,765 |
| Credit loss provision to net charge-offs | -525.0000% | 4,955 |
| Earnings coverage of net charge-offs (x) | 308.7500% | 276 |
| Efficiency ratio | 88.6081% | 497 |
| Assets per employee ($millions) | 7.2303% | 870 |
| Cash dividends to net income (ytd only)* | 171.6106% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 26.0809% | 5,501 |
| Net loans and leases to deposits | 30.0175% | 5,516 |
| Net loans and leases to core deposits | 30.2968% | 5,528 |
| Total domestic deposits to total assets | 86.8856% | 2,050 |
| Equity capital to assets | 9.9779% | 3,736 |
| Core capital (leverage) ratio | 8.9450% | 4,709 |
| Tier 1 risk-based capital ratio | 30.3782% | 449 |
| Total risk-based capital ratio | 31.4415% | 452 |
| Memoranda: | ||
| Average total assets | $168,728,600 | 3,262 |
| Average earning assets | $148,155,600 | 3,346 |
| Average equity | $17,453,400 | 3,438 |
| Average total loans | $43,087,800 | 4,641 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1280% | 5,668 |
| Cost of funding earning assets | 0.1452% | 5,340 |
| Net interest margin | 1.9827% | 5,646 |
| Noninterest income to average assets | 4.7494% | 118 |
| Noninterest expense to average assets | 5.5643% | 176 |
| Loan and lease loss provision to assets | -0.0157% | 5,471 |
| Net operating income to assets | 0.8047% | 3,507 |
| Return on assets (ROA) | 0.8047% | 3,551 |
| Pretax return on assets | 0.9315% | 3,928 |
| Return on Equity (ROE) | 7.7122% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.6482% | 1,878 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8688% | 640 |
| Assets per employee ($millions) | 7.3970% | 796 |
| Cash dividends to net income (ytd only)* | 13.7968% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 24.5375% | 5,596 |
| Net loans and leases to deposits | 30.3963% | 5,579 |
| Net loans and leases to core deposits | 30.6815% | 5,590 |
| Total domestic deposits to total assets | 80.7253% | 4,127 |
| Equity capital to assets | 10.3026% | 3,588 |
| Core capital (leverage) ratio | 10.6969% | 2,768 |
| Tier 1 risk-based capital ratio | 32.5597% | 398 |
| Total risk-based capital ratio | 33.6036% | 395 |
| Memoranda: | ||
| Average total assets | $169,336,250 | 3,282 |
| Average earning assets | $147,806,500 | 3,381 |
| Average equity | $17,668,500 | 3,440 |
| Average total loans | $42,873,250 | 4,691 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0357% | 5,728 |
| Cost of funding earning assets | 0.1382% | 5,401 |
| Net interest margin | 1.8976% | 5,709 |
| Noninterest income to average assets | 4.2808% | 134 |
| Noninterest expense to average assets | 5.6145% | 176 |
| Loan and lease loss provision to assets | -0.0240% | 5,569 |
| Net operating income to assets | 0.2749% | 5,280 |
| Return on assets (ROA) | 0.2749% | 5,295 |
| Pretax return on assets | 0.3721% | 5,231 |
| Return on Equity (ROE) | 2.6229% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.5806% | 4,620 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1615% | 305 |
| Assets per employee ($millions) | 6.1898% | 1,329 |
| Cash dividends to net income (ytd only)* | 39.7380% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 25.1644% | 5,627 |
| Net loans and leases to deposits | 31.3502% | 5,612 |
| Net loans and leases to core deposits | 31.6646% | 5,630 |
| Total domestic deposits to total assets | 80.2687% | 4,353 |
| Equity capital to assets | 10.5041% | 3,337 |
| Core capital (leverage) ratio | 10.6265% | 2,781 |
| Tier 1 risk-based capital ratio | 33.8465% | 336 |
| Total risk-based capital ratio | 34.9779% | 335 |
| Memoranda: | ||
| Average total assets | $166,605,670 | 3,323 |
| Average earning assets | $147,663,000 | 3,399 |
| Average equity | $17,461,330 | 3,471 |
| Average total loans | $42,451,000 | 4,733 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9925% | 5,798 |
| Cost of funding earning assets | 0.1302% | 5,485 |
| Net interest margin | 1.8623% | 5,778 |
| Noninterest income to average assets | 4.2394% | 138 |
| Noninterest expense to average assets | 5.5619% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2260% | 5,355 |
| Return on assets (ROA) | 0.2260% | 5,365 |
| Pretax return on assets | 0.2934% | 5,320 |
| Return on Equity (ROE) | 2.1591% | 5,312 |
| Retained earnings to average equity (ytd only) | 1.4471% | 4,526 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9897% | 346 |
| Assets per employee ($millions) | 6.5030% | 1,185 |
| Cash dividends to net income (ytd only)* | 32.9787% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 2,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 24.0406% | 5,699 |
| Net loans and leases to deposits | 30.2644% | 5,679 |
| Net loans and leases to core deposits | 30.5560% | 5,686 |
| Total domestic deposits to total assets | 79.4352% | 4,732 |
| Equity capital to assets | 9.9350% | 3,835 |
| Core capital (leverage) ratio | 10.7996% | 2,598 |
| Tier 1 risk-based capital ratio | 32.8333% | 385 |
| Total risk-based capital ratio | 33.9754% | 378 |
| Memoranda: | ||
| Average total assets | $166,346,000 | 3,354 |
| Average earning assets | $144,341,000 | 3,470 |
| Average equity | $17,414,500 | 3,493 |
| Average total loans | $42,359,000 | 4,776 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0093% | 5,840 |
| Cost of funding earning assets | 0.1295% | 5,551 |
| Net interest margin | 1.8798% | 5,824 |
| Noninterest income to average assets | 5.0760% | 120 |
| Noninterest expense to average assets | 6.2130% | 153 |
| Loan and lease loss provision to assets | 0.0250% | 3,855 |
| Net operating income to assets | 0.2967% | 5,228 |
| Return on assets (ROA) | 0.3250% | 5,230 |
| Pretax return on assets | 0.4469% | 5,129 |
| Return on Equity (ROE) | 3.0039% | 5,163 |
| Retained earnings to average equity (ytd only) | 1.9352% | 4,435 |
| Net charge-offs to loans | 0.0079% | 3,991 |
| Credit loss provision to net charge-offs | 1,333.3333% | 305 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 306 |
| Efficiency ratio | 93.4826% | 405 |
| Assets per employee ($millions) | 5.6111% | 1,773 |
| Cash dividends to net income (ytd only)* | 35.5769% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 1,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 26.2930% | 5,725 |
| Net loans and leases to deposits | 33.9143% | 5,676 |
| Net loans and leases to core deposits | 34.2890% | 5,700 |
| Total domestic deposits to total assets | 77.5278% | 5,046 |
| Equity capital to assets | 11.0655% | 2,570 |
| Core capital (leverage) ratio | 10.9841% | 2,356 |
| Tier 1 risk-based capital ratio | 32.6416% | 388 |
| Total risk-based capital ratio | 33.7812% | 386 |
| Memoranda: | ||
| Average total assets | $159,988,200 | 3,395 |
| Average earning assets | $133,628,000 | 3,595 |
| Average equity | $17,310,600 | 3,512 |
| Average total loans | $37,737,400 | 4,954 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9943% | 5,908 |
| Cost of funding earning assets | 0.1290% | 5,621 |
| Net interest margin | 1.8653% | 5,890 |
| Noninterest income to average assets | 5.0874% | 121 |
| Noninterest expense to average assets | 6.3576% | 152 |
| Loan and lease loss provision to assets | 0.0249% | 3,749 |
| Net operating income to assets | 0.2024% | 5,457 |
| Return on assets (ROA) | 0.2024% | 5,522 |
| Pretax return on assets | 0.2522% | 5,511 |
| Return on Equity (ROE) | 1.8814% | 5,492 |
| Retained earnings to average equity (ytd only) | 0.6091% | 5,198 |
| Net charge-offs to loans | 0.0109% | 3,550 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 111.3300% | 609 |
| Efficiency ratio | 95.8234% | 322 |
| Assets per employee ($millions) | 5.2978% | 2,050 |
| Cash dividends to net income (ytd only)* | 67.6206% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 23.4846% | 5,828 |
| Net loans and leases to deposits | 29.1563% | 5,822 |
| Net loans and leases to core deposits | 29.6899% | 5,826 |
| Total domestic deposits to total assets | 80.5473% | 4,375 |
| Equity capital to assets | 10.8919% | 3,146 |
| Core capital (leverage) ratio | 10.4558% | 3,041 |
| Tier 1 risk-based capital ratio | 32.7294% | 389 |
| Total risk-based capital ratio | 33.8661% | 388 |
| Memoranda: | ||
| Average total assets | $160,707,750 | 3,406 |
| Average earning assets | $133,308,000 | 3,618 |
| Average equity | $17,292,000 | 3,545 |
| Average total loans | $36,694,750 | 5,033 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0128% | 5,990 |
| Cost of funding earning assets | 0.1292% | 5,698 |
| Net interest margin | 1.8837% | 5,969 |
| Noninterest income to average assets | 4.9721% | 123 |
| Noninterest expense to average assets | 6.2555% | 158 |
| Loan and lease loss provision to assets | 0.0074% | 3,922 |
| Net operating income to assets | 0.2058% | 5,511 |
| Return on assets (ROA) | 0.2058% | 5,570 |
| Pretax return on assets | 0.2641% | 5,546 |
| Return on Equity (ROE) | 1.9207% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.1686% | 4,912 |
| Net charge-offs to loans | 0.0165% | 3,184 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 752 |
| Efficiency ratio | 95.8397% | 352 |
| Assets per employee ($millions) | 5.5385% | 1,756 |
| Cash dividends to net income (ytd only)* | 39.1566% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 1,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 21.3355% | 5,924 |
| Net loans and leases to deposits | 26.6511% | 5,919 |
| Net loans and leases to core deposits | 27.3291% | 5,923 |
| Total domestic deposits to total assets | 80.0548% | 4,526 |
| Equity capital to assets | 10.4499% | 3,694 |
| Core capital (leverage) ratio | 10.7740% | 2,676 |
| Tier 1 risk-based capital ratio | 32.9530% | 385 |
| Total risk-based capital ratio | 34.0612% | 383 |
| Memoranda: | ||
| Average total assets | $161,299,000 | 3,420 |
| Average earning assets | $133,144,670 | 3,644 |
| Average equity | $17,285,670 | 3,545 |
| Average total loans | $36,288,330 | 5,096 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2204% | 6,029 |
| Cost of funding earning assets | 0.1308% | 5,749 |
| Net interest margin | 2.0896% | 5,997 |
| Noninterest income to average assets | 5.0582% | 117 |
| Noninterest expense to average assets | 6.2088% | 166 |
| Loan and lease loss provision to assets | 0.0126% | 3,525 |
| Net operating income to assets | 0.3676% | 5,089 |
| Return on assets (ROA) | 0.3676% | 5,166 |
| Pretax return on assets | 0.5262% | 5,015 |
| Return on Equity (ROE) | 3.3861% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.9222% | 4,056 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0149% | 547 |
| Assets per employee ($millions) | 5.6345% | 1,718 |
| Cash dividends to net income (ytd only)* | 13.6986% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 21.5872% | 5,973 |
| Net loans and leases to deposits | 27.6840% | 5,955 |
| Net loans and leases to core deposits | 28.3947% | 5,959 |
| Total domestic deposits to total assets | 77.9773% | 5,149 |
| Equity capital to assets | 10.2979% | 3,749 |
| Core capital (leverage) ratio | 10.9248% | 2,469 |
| Tier 1 risk-based capital ratio | 31.7002% | 441 |
| Total risk-based capital ratio | 32.7592% | 440 |
| Memoranda: | ||
| Average total assets | $158,871,000 | 3,466 |
| Average earning assets | $128,445,000 | 3,741 |
| Average equity | $17,247,000 | 3,549 |
| Average total loans | $36,425,000 | 5,132 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7831% | 6,111 |
| Cost of funding earning assets | 0.0757% | 6,050 |
| Net interest margin | 1.7074% | 6,090 |
| Noninterest income to average assets | 5.9205% | 111 |
| Noninterest expense to average assets | 6.9989% | 141 |
| Loan and lease loss provision to assets | 0.0199% | 4,003 |
| Net operating income to assets | 0.2487% | 5,485 |
| Return on assets (ROA) | 0.2487% | 5,555 |
| Pretax return on assets | 0.3570% | 5,415 |
| Return on Equity (ROE) | 2.1916% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.5881% | 4,814 |
| Net charge-offs to loans | 0.0891% | 2,544 |
| Credit loss provision to net charge-offs | 103.4483% | 2,425 |
| Earnings coverage of net charge-offs (x) | 19.5517% | 1,937 |
| Efficiency ratio | 94.8891% | 441 |
| Assets per employee ($millions) | 5.1278% | 2,204 |
| Cash dividends to net income (ytd only)* | 27.5401% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 1,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 23.6916% | 6,008 |
| Net loans and leases to deposits | 30.3619% | 5,985 |
| Net loans and leases to core deposits | 31.2501% | 5,991 |
| Total domestic deposits to total assets | 78.0306% | 5,155 |
| Equity capital to assets | 11.4904% | 2,369 |
| Core capital (leverage) ratio | 9.8708% | 3,688 |
| Tier 1 risk-based capital ratio | 28.8684% | 559 |
| Total risk-based capital ratio | 29.8417% | 562 |
| Memoranda: | ||
| Average total assets | $150,409,400 | 3,565 |
| Average earning assets | $128,204,200 | 3,740 |
| Average equity | $17,064,800 | 3,521 |
| Average total loans | $32,534,400 | 5,276 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7151% | 6,207 |
| Cost of funding earning assets | 0.0713% | 6,148 |
| Net interest margin | 1.6448% | 6,194 |
| Noninterest income to average assets | 5.9834% | 109 |
| Noninterest expense to average assets | 7.0557% | 145 |
| Loan and lease loss provision to assets | 0.0247% | 3,772 |
| Net operating income to assets | 0.2325% | 5,611 |
| Return on assets (ROA) | 0.2325% | 5,684 |
| Pretax return on assets | 0.3306% | 5,594 |
| Return on Equity (ROE) | 2.0555% | 5,654 |
| Retained earnings to average equity (ytd only) | 1.4147% | 5,154 |
| Net charge-offs to loans | 0.0210% | 3,515 |
| Credit loss provision to net charge-offs | 560.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 80.3583% | 743 |
| Efficiency ratio | 95.2165% | 443 |
| Assets per employee ($millions) | 5.5584% | 1,726 |
| Cash dividends to net income (ytd only)* | 31.1783% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 1,529 |
| Loan loss allowance to noncurrent loans | 117.6707% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 4,572 |
| Noncurrent loans to loans | 1.4249% | 1,777 |
| Net loans and leases to total assets | 20.6089% | 6,131 |
| Net loans and leases to deposits | 25.3403% | 6,130 |
| Net loans and leases to core deposits | 25.7593% | 6,135 |
| Total domestic deposits to total assets | 81.3287% | 4,382 |
| Equity capital to assets | 10.2745% | 3,847 |
| Core capital (leverage) ratio | 10.3388% | 3,211 |
| Tier 1 risk-based capital ratio | 31.0455% | 467 |
| Total risk-based capital ratio | 32.1461% | 470 |
| Memoranda: | ||
| Average total assets | $150,835,000 | 3,586 |
| Average earning assets | $130,835,500 | 3,711 |
| Average equity | $17,059,250 | 3,549 |
| Average total loans | $31,719,750 | 5,364 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7342% | 6,283 |
| Cost of funding earning assets | 0.0685% | 6,228 |
| Net interest margin | 1.6657% | 6,262 |
| Noninterest income to average assets | 6.0634% | 112 |
| Noninterest expense to average assets | 7.1463% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2474% | 5,586 |
| Return on assets (ROA) | 0.2474% | 5,661 |
| Pretax return on assets | 0.3532% | 5,563 |
| Return on Equity (ROE) | 2.1133% | 5,654 |
| Retained earnings to average equity (ytd only) | 1.3854% | 4,998 |
| Net charge-offs to loans | 0.0326% | 3,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 51.4000% | 941 |
| Efficiency ratio | 95.2905% | 467 |
| Assets per employee ($millions) | 5.6233% | 1,637 |
| Cash dividends to net income (ytd only)* | 34.4444% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 1,367 |
| Loan loss allowance to noncurrent loans | 107.9612% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 4,733 |
| Noncurrent loans to loans | 1.6694% | 1,560 |
| Net loans and leases to total assets | 16.8347% | 6,247 |
| Net loans and leases to deposits | 21.4471% | 6,236 |
| Net loans and leases to core deposits | 21.7873% | 6,235 |
| Total domestic deposits to total assets | 78.4939% | 5,190 |
| Equity capital to assets | 9.5035% | 4,645 |
| Core capital (leverage) ratio | 9.8177% | 3,839 |
| Tier 1 risk-based capital ratio | 33.4390% | 414 |
| Total risk-based capital ratio | 34.5727% | 411 |
| Memoranda: | ||
| Average total assets | $145,529,000 | 3,702 |
| Average earning assets | $125,473,330 | 3,854 |
| Average equity | $17,034,670 | 3,562 |
| Average total loans | $30,642,670 | 5,447 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0688% | 6,329 |
| Cost of funding earning assets | 0.0664% | 6,310 |
| Net interest margin | 2.0024% | 6,273 |
| Noninterest income to average assets | 6.6988% | 105 |
| Noninterest expense to average assets | 7.8771% | 122 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3491% | 5,250 |
| Return on assets (ROA) | 0.3491% | 5,367 |
| Pretax return on assets | 0.5143% | 5,142 |
| Return on Equity (ROE) | 2.6351% | 5,497 |
| Retained earnings to average equity (ytd only) | 1.6704% | 4,805 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8707% | 600 |
| Assets per employee ($millions) | 4.2285% | 3,512 |
| Cash dividends to net income (ytd only)* | 36.6071% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8266% | 1,439 |
| Loan loss allowance to noncurrent loans | 104.0816% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 4,383 |
| Noncurrent loans to loans | 1.7550% | 1,552 |
| Net loans and leases to total assets | 23.0020% | 6,234 |
| Net loans and leases to deposits | 30.5507% | 6,186 |
| Net loans and leases to core deposits | 30.5507% | 6,208 |
| Total domestic deposits to total assets | 75.2914% | 5,803 |
| Equity capital to assets | 13.0085% | 1,399 |
| Core capital (leverage) ratio | 12.1627% | 1,540 |
| Tier 1 risk-based capital ratio | 34.6483% | 378 |
| Total risk-based capital ratio | 35.8224% | 371 |
| Memoranda: | ||
| Average total assets | $128,321,500 | 4,018 |
| Average earning assets | $108,467,500 | 4,206 |
| Average equity | $17,001,500 | 3,590 |
| Average total loans | $30,539,500 | 5,484 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7994% | 6,434 |
| Cost of funding earning assets | 0.0238% | 6,466 |
| Net interest margin | 1.7756% | 6,406 |
| Noninterest income to average assets | 6.3622% | 98 |
| Noninterest expense to average assets | 7.6759% | 116 |
| Loan and lease loss provision to assets | -0.1309% | 6,199 |
| Net operating income to assets | 0.2334% | 5,698 |
| Return on assets (ROA) | 0.2334% | 5,761 |
| Pretax return on assets | 0.3239% | 5,658 |
| Return on Equity (ROE) | 1.8622% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.2593% | 5,213 |
| Net charge-offs to loans | -0.6660% | 6,424 |
| Credit loss provision to net charge-offs | 89.2857% | 2,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5471% | 442 |
| Assets per employee ($millions) | 3.9237% | 4,112 |
| Cash dividends to net income (ytd only)* | 32.3718% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 1,430 |
| Loan loss allowance to noncurrent loans | 53.2764% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 3,116 |
| Noncurrent loans to loans | 3.4677% | 597 |
| Net loans and leases to total assets | 23.7378% | 6,318 |
| Net loans and leases to deposits | 30.7503% | 6,282 |
| Net loans and leases to core deposits | 30.7503% | 6,299 |
| Total domestic deposits to total assets | 77.1956% | 5,571 |
| Equity capital to assets | 13.5004% | 1,162 |
| Core capital (leverage) ratio | 12.4266% | 1,387 |
| Tier 1 risk-based capital ratio | 35.8312% | 317 |
| Total risk-based capital ratio | 37.0504% | 314 |
| Memoranda: | ||
| Average total assets | $133,665,200 | 3,906 |
| Average earning assets | $113,423,600 | 4,104 |
| Average equity | $16,754,800 | 3,567 |
| Average total loans | $29,430,600 | 5,581 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7274% | 6,519 |
| Cost of funding earning assets | 0.0232% | 6,547 |
| Net interest margin | 1.7043% | 6,492 |
| Noninterest income to average assets | 6.1727% | 101 |
| Noninterest expense to average assets | 7.4461% | 124 |
| Loan and lease loss provision to assets | -0.0246% | 6,118 |
| Net operating income to assets | 0.1562% | 5,935 |
| Return on assets (ROA) | 0.1562% | 5,968 |
| Pretax return on assets | 0.1975% | 5,952 |
| Return on Equity (ROE) | 1.2690% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.6305% | 5,616 |
| Net charge-offs to loans | 0.0228% | 4,058 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | 35.1814% | 1,230 |
| Efficiency ratio | 97.7302% | 445 |
| Assets per employee ($millions) | 3.7024% | 4,487 |
| Cash dividends to net income (ytd only)* | 50.3137% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 2,216 |
| Loan loss allowance to noncurrent loans | 60.2125% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 3,879 |
| Noncurrent loans to loans | 2.6975% | 1,058 |
| Net loans and leases to total assets | 23.8369% | 6,389 |
| Net loans and leases to deposits | 30.2712% | 6,366 |
| Net loans and leases to core deposits | 30.2712% | 6,384 |
| Total domestic deposits to total assets | 78.7445% | 5,382 |
| Equity capital to assets | 12.9768% | 1,437 |
| Core capital (leverage) ratio | 11.7942% | 1,839 |
| Tier 1 risk-based capital ratio | 34.5648% | 370 |
| Total risk-based capital ratio | 35.6427% | 368 |
| Memoranda: | ||
| Average total assets | $135,691,750 | 3,906 |
| Average earning assets | $115,158,750 | 4,106 |
| Average equity | $16,705,750 | 3,590 |
| Average total loans | $29,196,750 | 5,653 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6388% | 6,594 |
| Cost of funding earning assets | 0.0222% | 6,614 |
| Net interest margin | 1.6166% | 6,570 |
| Noninterest income to average assets | 5.8609% | 105 |
| Noninterest expense to average assets | 7.1068% | 134 |
| Loan and lease loss provision to assets | -0.0378% | 6,278 |
| Net operating income to assets | 0.1380% | 5,977 |
| Return on assets (ROA) | 0.1380% | 6,013 |
| Pretax return on assets | 0.1684% | 5,991 |
| Return on Equity (ROE) | 1.1398% | 6,029 |
| Retained earnings to average equity (ytd only) | 0.4199% | 5,571 |
| Net charge-offs to loans | -0.0070% | 5,238 |
| Credit loss provision to net charge-offs | 2,600.0000% | 138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1942% | 458 |
| Assets per employee ($millions) | 4.2683% | 3,336 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 2,093 |
| Loan loss allowance to noncurrent loans | 60.2339% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 4,093 |
| Noncurrent loans to loans | 2.8429% | 1,053 |
| Net loans and leases to total assets | 21.6419% | 6,490 |
| Net loans and leases to deposits | 26.3053% | 6,487 |
| Net loans and leases to core deposits | 26.3053% | 6,490 |
| Total domestic deposits to total assets | 82.2721% | 4,558 |
| Equity capital to assets | 12.2362% | 1,827 |
| Core capital (leverage) ratio | 11.7328% | 1,832 |
| Tier 1 risk-based capital ratio | 34.5605% | 360 |
| Total risk-based capital ratio | 35.6558% | 356 |
| Memoranda: | ||
| Average total assets | $137,727,330 | 3,891 |
| Average earning assets | $117,282,000 | 4,075 |
| Average equity | $16,669,000 | 3,589 |
| Average total loans | $28,462,670 | 5,722 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5780% | 6,673 |
| Cost of funding earning assets | 0.0202% | 6,688 |
| Net interest margin | 1.5578% | 6,652 |
| Noninterest income to average assets | 5.5619% | 104 |
| Noninterest expense to average assets | 6.7564% | 149 |
| Loan and lease loss provision to assets | -0.0752% | 6,476 |
| Net operating income to assets | 0.1678% | 5,885 |
| Return on assets (ROA) | 0.1678% | 5,927 |
| Pretax return on assets | 0.2169% | 5,893 |
| Return on Equity (ROE) | 1.3936% | 5,948 |
| Retained earnings to average equity (ytd only) | 0.4565% | 5,398 |
| Net charge-offs to loans | -0.0145% | 5,193 |
| Credit loss provision to net charge-offs | 2,600.0000% | 135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9455% | 549 |
| Assets per employee ($millions) | 3.9639% | 4,020 |
| Cash dividends to net income (ytd only)* | 67.2414% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 1,857 |
| Loan loss allowance to noncurrent loans | 58.8571% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 4,183 |
| Noncurrent loans to loans | 3.1690% | 971 |
| Net loans and leases to total assets | 20.1052% | 6,577 |
| Net loans and leases to deposits | 26.7330% | 6,532 |
| Net loans and leases to core deposits | 26.7330% | 6,540 |
| Total domestic deposits to total assets | 75.2076% | 6,138 |
| Equity capital to assets | 12.3684% | 1,648 |
| Core capital (leverage) ratio | 11.6129% | 1,892 |
| Tier 1 risk-based capital ratio | 36.5164% | 301 |
| Total risk-based capital ratio | 37.6749% | 299 |
| Memoranda: | ||
| Average total assets | $138,297,500 | 3,914 |
| Average earning assets | $118,628,000 | 4,077 |
| Average equity | $16,647,000 | 3,596 |
| Average total loans | $27,656,500 | 5,820 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8040% | 6,727 |
| Cost of funding earning assets | 0.0245% | 6,769 |
| Net interest margin | 1.7795% | 6,692 |
| Noninterest income to average assets | 5.4064% | 122 |
| Noninterest expense to average assets | 6.6144% | 162 |
| Loan and lease loss provision to assets | 0.0328% | 4,461 |
| Net operating income to assets | 0.2167% | 5,784 |
| Return on assets (ROA) | 0.2167% | 5,841 |
| Pretax return on assets | 0.2947% | 5,747 |
| Return on Equity (ROE) | 1.7908% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.0552% | 5,362 |
| Net charge-offs to loans | 0.0071% | 5,315 |
| Credit loss provision to net charge-offs | 2,250.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 224.5000% | 201 |
| Efficiency ratio | 95.2816% | 684 |
| Assets per employee ($millions) | 4.1713% | 3,502 |
| Cash dividends to net income (ytd only)* | 41.0774% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 1,674 |
| Loan loss allowance to noncurrent loans | 61.0169% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 4,368 |
| Noncurrent loans to loans | 3.1947% | 1,056 |
| Net loans and leases to total assets | 19.1519% | 6,677 |
| Net loans and leases to deposits | 23.5039% | 6,673 |
| Net loans and leases to core deposits | 23.5039% | 6,678 |
| Total domestic deposits to total assets | 81.4841% | 5,044 |
| Equity capital to assets | 11.7223% | 2,012 |
| Core capital (leverage) ratio | 11.3243% | 2,095 |
| Tier 1 risk-based capital ratio | 35.9989% | 298 |
| Total risk-based capital ratio | 37.1978% | 294 |
| Memoranda: | ||
| Average total assets | $137,078,800 | 3,930 |
| Average earning assets | $118,292,000 | 4,081 |
| Average equity | $16,584,600 | 3,621 |
| Average total loans | $28,063,800 | 5,838 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8478% | 6,808 |
| Cost of funding earning assets | 0.0238% | 6,850 |
| Net interest margin | 1.8240% | 6,764 |
| Noninterest income to average assets | 5.4002% | 134 |
| Noninterest expense to average assets | 6.5746% | 165 |
| Loan and lease loss provision to assets | 0.0716% | 3,630 |
| Net operating income to assets | 0.2384% | 5,812 |
| Return on assets (ROA) | 0.2384% | 5,899 |
| Pretax return on assets | 0.3306% | 5,799 |
| Return on Equity (ROE) | 1.9547% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.1423% | 5,522 |
| Net charge-offs to loans | 0.0095% | 4,959 |
| Credit loss provision to net charge-offs | 3,650.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 204.7378% | 281 |
| Efficiency ratio | 94.2343% | 726 |
| Assets per employee ($millions) | 3.9453% | 3,949 |
| Cash dividends to net income (ytd only)* | 41.5630% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 1,903 |
| Loan loss allowance to noncurrent loans | 63.6058% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 4,399 |
| Noncurrent loans to loans | 3.0414% | 1,314 |
| Net loans and leases to total assets | 22.1153% | 6,716 |
| Net loans and leases to deposits | 28.1473% | 6,696 |
| Net loans and leases to core deposits | 28.1473% | 6,708 |
| Total domestic deposits to total assets | 78.5698% | 5,818 |
| Equity capital to assets | 12.7455% | 1,452 |
| Core capital (leverage) ratio | 11.9262% | 1,716 |
| Tier 1 risk-based capital ratio | 36.5871% | 296 |
| Total risk-based capital ratio | 37.8378% | 294 |
| Memoranda: | ||
| Average total assets | $135,892,500 | 3,994 |
| Average earning assets | $117,467,000 | 4,137 |
| Average equity | $16,574,500 | 3,657 |
| Average total loans | $28,154,250 | 5,898 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8448% | 6,856 |
| Cost of funding earning assets | 0.0251% | 6,901 |
| Net interest margin | 1.8196% | 6,813 |
| Noninterest income to average assets | 5.2674% | 141 |
| Noninterest expense to average assets | 6.3269% | 183 |
| Loan and lease loss provision to assets | 0.0711% | 3,610 |
| Net operating income to assets | 0.3092% | 5,580 |
| Return on assets (ROA) | 0.3092% | 5,725 |
| Pretax return on assets | 0.4471% | 5,529 |
| Return on Equity (ROE) | 2.5712% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.6176% | 5,217 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4300% | 865 |
| Assets per employee ($millions) | 4.5013% | 2,811 |
| Cash dividends to net income (ytd only)* | 37.0892% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 2,162 |
| Loan loss allowance to noncurrent loans | 60.2649% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 4,719 |
| Noncurrent loans to loans | 3.1254% | 1,416 |
| Net loans and leases to total assets | 19.1473% | 6,807 |
| Net loans and leases to deposits | 24.7285% | 6,795 |
| Net loans and leases to core deposits | 24.7285% | 6,802 |
| Total domestic deposits to total assets | 77.4301% | 6,071 |
| Equity capital to assets | 11.1658% | 2,591 |
| Core capital (leverage) ratio | 11.5121% | 1,927 |
| Tier 1 risk-based capital ratio | 32.3810% | 425 |
| Total risk-based capital ratio | 33.4858% | 428 |
| Memoranda: | ||
| Average total assets | $137,791,670 | 3,989 |
| Average earning assets | $119,473,670 | 4,128 |
| Average equity | $16,568,000 | 3,691 |
| Average total loans | $27,752,000 | 5,949 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9800% | 6,928 |
| Cost of funding earning assets | 0.0315% | 6,977 |
| Net interest margin | 1.9484% | 6,858 |
| Noninterest income to average assets | 5.3921% | 134 |
| Noninterest expense to average assets | 6.4101% | 180 |
| Loan and lease loss provision to assets | 0.0755% | 3,368 |
| Net operating income to assets | 0.3957% | 5,143 |
| Return on assets (ROA) | 0.3957% | 5,287 |
| Pretax return on assets | 0.5860% | 5,001 |
| Return on Equity (ROE) | 3.1644% | 5,512 |
| Retained earnings to average equity (ytd only) | 1.7634% | 5,105 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6450% | 1,092 |
| Assets per employee ($millions) | 4.2785% | 3,379 |
| Cash dividends to net income (ytd only)* | 44.2748% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 2,498 |
| Loan loss allowance to noncurrent loans | 55.8289% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 4,614 |
| Noncurrent loans to loans | 3.2887% | 1,474 |
| Net loans and leases to total assets | 21.0424% | 6,837 |
| Net loans and leases to deposits | 27.1457% | 6,801 |
| Net loans and leases to core deposits | 27.1457% | 6,824 |
| Total domestic deposits to total assets | 77.5167% | 6,188 |
| Equity capital to assets | 12.5558% | 1,679 |
| Core capital (leverage) ratio | 11.2682% | 2,044 |
| Tier 1 risk-based capital ratio | 35.8648% | 315 |
| Total risk-based capital ratio | 37.0391% | 317 |
| Memoranda: | ||
| Average total assets | $132,416,000 | 4,129 |
| Average earning assets | $114,143,500 | 4,279 |
| Average equity | $16,559,000 | 3,731 |
| Average total loans | $27,134,000 | 6,020 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0864% | 6,984 |
| Cost of funding earning assets | 0.0141% | 7,058 |
| Net interest margin | 2.0723% | 6,910 |
| Noninterest income to average assets | 6.0406% | 115 |
| Noninterest expense to average assets | 7.1335% | 141 |
| Loan and lease loss provision to assets | 0.0256% | 5,573 |
| Net operating income to assets | 0.4510% | 4,884 |
| Return on assets (ROA) | 0.4510% | 5,126 |
| Pretax return on assets | 0.7009% | 4,662 |
| Return on Equity (ROE) | 3.7145% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.9281% | 4,165 |
| Net charge-offs to loans | 0.7004% | 1,690 |
| Credit loss provision to net charge-offs | 20.3704% | 5,284 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,950 |
| Efficiency ratio | 90.7565% | 1,008 |
| Assets per employee ($millions) | 4.4067% | 3,132 |
| Cash dividends to net income (ytd only)* | 21.1704% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 2,218 |
| Loan loss allowance to noncurrent loans | 52.7601% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 4,698 |
| Noncurrent loans to loans | 3.6459% | 1,345 |
| Net loans and leases to total assets | 19.1679% | 6,937 |
| Net loans and leases to deposits | 24.8704% | 6,913 |
| Net loans and leases to core deposits | 24.8704% | 6,921 |
| Total domestic deposits to total assets | 77.0711% | 6,216 |
| Equity capital to assets | 12.4546% | 1,744 |
| Core capital (leverage) ratio | 11.1169% | 2,152 |
| Tier 1 risk-based capital ratio | 34.4387% | 354 |
| Total risk-based capital ratio | 35.5288% | 354 |
| Memoranda: | ||
| Average total assets | $128,829,200 | 4,169 |
| Average earning assets | $113,111,200 | 4,272 |
| Average equity | $15,641,400 | 3,833 |
| Average total loans | $23,130,600 | 6,286 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0974% | 7,095 |
| Cost of funding earning assets | 0.0117% | 7,159 |
| Net interest margin | 2.0857% | 7,015 |
| Noninterest income to average assets | 6.2026% | 109 |
| Noninterest expense to average assets | 7.3204% | 129 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4667% | 4,969 |
| Return on assets (ROA) | 0.4667% | 5,224 |
| Pretax return on assets | 0.7396% | 4,708 |
| Return on Equity (ROE) | 3.8698% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.9887% | 4,763 |
| Net charge-offs to loans | 0.9619% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.3828% | 3,317 |
| Efficiency ratio | 90.8233% | 979 |
| Assets per employee ($millions) | 5.0676% | 2,096 |
| Cash dividends to net income (ytd only)* | 22.7684% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,553 |
| Loan loss allowance to noncurrent loans | 84.6995% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 5,768 |
| Noncurrent loans to loans | 2.2165% | 2,600 |
| Net loans and leases to total assets | 16.5378% | 7,065 |
| Net loans and leases to deposits | 20.4196% | 7,071 |
| Net loans and leases to core deposits | 20.4196% | 7,076 |
| Total domestic deposits to total assets | 80.9901% | 5,362 |
| Equity capital to assets | 11.1051% | 3,144 |
| Core capital (leverage) ratio | 11.6464% | 1,871 |
| Tier 1 risk-based capital ratio | 36.9590% | 312 |
| Total risk-based capital ratio | 38.0709% | 306 |
| Memoranda: | ||
| Average total assets | $127,986,500 | 4,232 |
| Average earning assets | $113,978,500 | 4,287 |
| Average equity | $15,435,500 | 3,906 |
| Average total loans | $22,454,000 | 6,397 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2263% | 7,159 |
| Cost of funding earning assets | 0.0110% | 7,223 |
| Net interest margin | 2.2153% | 7,039 |
| Noninterest income to average assets | 6.5033% | 106 |
| Noninterest expense to average assets | 7.7921% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4307% | 5,115 |
| Return on assets (ROA) | 0.4307% | 5,339 |
| Pretax return on assets | 0.6904% | 4,855 |
| Return on Equity (ROE) | 3.4609% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.3909% | 4,999 |
| Net charge-offs to loans | 1.3928% | 735 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.7815% | 3,633 |
| Efficiency ratio | 91.8605% | 935 |
| Assets per employee ($millions) | 4.4109% | 3,070 |
| Cash dividends to net income (ytd only)* | 30.9160% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 2,021 |
| Loan loss allowance to noncurrent loans | 86.5209% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 5,705 |
| Noncurrent loans to loans | 2.4148% | 2,491 |
| Net loans and leases to total assets | 17.4022% | 7,116 |
| Net loans and leases to deposits | 22.0357% | 7,111 |
| Net loans and leases to core deposits | 22.0357% | 7,123 |
| Total domestic deposits to total assets | 78.9728% | 5,964 |
| Equity capital to assets | 12.3480% | 1,913 |
| Core capital (leverage) ratio | 11.7270% | 1,767 |
| Tier 1 risk-based capital ratio | 39.5072% | 239 |
| Total risk-based capital ratio | 40.7563% | 233 |
| Memoranda: | ||
| Average total assets | $121,662,000 | 4,387 |
| Average earning assets | $108,700,670 | 4,444 |
| Average equity | $15,140,670 | 3,962 |
| Average total loans | $21,682,330 | 6,484 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3188% | 7,210 |
| Cost of funding earning assets | 0.0075% | 7,288 |
| Net interest margin | 2.3113% | 7,054 |
| Noninterest income to average assets | 6.6343% | 105 |
| Noninterest expense to average assets | 7.8727% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5298% | 4,690 |
| Return on assets (ROA) | 0.5298% | 4,901 |
| Pretax return on assets | 0.8403% | 4,263 |
| Return on Equity (ROE) | 4.2394% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.5652% | 4,976 |
| Net charge-offs to loans | 2.8550% | 266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6490% | 3,497 |
| Efficiency ratio | 90.3563% | 1,065 |
| Assets per employee ($millions) | 4.2503% | 3,485 |
| Cash dividends to net income (ytd only)* | 39.4904% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3662% | 1,561 |
| Loan loss allowance to noncurrent loans | 86.5209% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 5,785 |
| Noncurrent loans to loans | 2.7349% | 2,384 |
| Net loans and leases to total assets | 15.3707% | 7,198 |
| Net loans and leases to deposits | 19.3861% | 7,197 |
| Net loans and leases to core deposits | 19.3861% | 7,201 |
| Total domestic deposits to total assets | 79.2870% | 6,017 |
| Equity capital to assets | 11.7317% | 2,236 |
| Core capital (leverage) ratio | 11.5078% | 1,887 |
| Tier 1 risk-based capital ratio | 42.1966% | 196 |
| Total risk-based capital ratio | 43.4492% | 193 |
| Memoranda: | ||
| Average total assets | $118,535,500 | 4,484 |
| Average earning assets | $106,605,000 | 4,526 |
| Average equity | $14,813,500 | 4,035 |
| Average total loans | $21,156,000 | 6,550 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7714% | 7,231 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | 2.7714% | 6,852 |
| Noninterest income to average assets | 7.6294% | 82 |
| Noninterest expense to average assets | 8.9572% | 89 |
| Loan and lease loss provision to assets | -0.0142% | 7,219 |
| Net operating income to assets | 0.7468% | 3,271 |
| Return on assets (ROA) | 0.7468% | 3,441 |
| Pretax return on assets | 1.2190% | 2,392 |
| Return on Equity (ROE) | 5.7274% | 4,014 |
| Retained earnings to average equity (ytd only) | 4.9143% | 2,704 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1438% | 1,352 |
| Assets per employee ($millions) | 3.9129% | 4,046 |
| Cash dividends to net income (ytd only)* | 14.1952% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8150% | 964 |
| Loan loss allowance to noncurrent loans | 87.4302% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 5,349 |
| Noncurrent loans to loans | 3.2197% | 2,007 |
| Net loans and leases to total assets | 19.7258% | 7,212 |
| Net loans and leases to deposits | 24.7569% | 7,202 |
| Net loans and leases to core deposits | 24.7569% | 7,208 |
| Total domestic deposits to total assets | 79.6782% | 5,821 |
| Equity capital to assets | 13.3879% | 1,328 |
| Core capital (leverage) ratio | 12.1710% | 1,507 |
| Tier 1 risk-based capital ratio | 42.1994% | 198 |
| Total risk-based capital ratio | 43.4573% | 189 |
| Memoranda: | ||
| Average total assets | $105,657,600 | 4,742 |
| Average earning assets | $96,558,000 | 4,729 |
| Average equity | $13,776,000 | 4,166 |
| Average total loans | $23,698,000 | 6,480 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7944% | 7,306 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 2.7944% | 6,891 |
| Noninterest income to average assets | 7.7987% | 80 |
| Noninterest expense to average assets | 9.0787% | 89 |
| Loan and lease loss provision to assets | -0.0191% | 7,308 |
| Net operating income to assets | 0.8062% | 3,128 |
| Return on assets (ROA) | 0.8062% | 3,292 |
| Pretax return on assets | 1.3183% | 2,229 |
| Return on Equity (ROE) | 6.2273% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.3123% | 2,984 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4816% | 1,388 |
| Assets per employee ($millions) | 4.0895% | 3,657 |
| Cash dividends to net income (ytd only)* | 14.6923% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7303% | 1,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 18.7452% | 7,300 |
| Net loans and leases to deposits | 21.5127% | 7,311 |
| Net loans and leases to core deposits | 21.5127% | 7,319 |
| Total domestic deposits to total assets | 87.1353% | 2,561 |
| Equity capital to assets | 11.8461% | 2,380 |
| Core capital (leverage) ratio | 11.5348% | 2,002 |
| Tier 1 risk-based capital ratio | 41.5325% | 220 |
| Total risk-based capital ratio | 42.7918% | 218 |
| Memoranda: | ||
| Average total assets | $104,681,500 | 4,800 |
| Average earning assets | $96,618,250 | 4,754 |
| Average equity | $13,553,000 | 4,228 |
| Average total loans | $24,063,000 | 6,530 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9995% | 7,337 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 2.9995% | 6,609 |
| Noninterest income to average assets | 7.6587% | 83 |
| Noninterest expense to average assets | 9.2600% | 84 |
| Loan and lease loss provision to assets | -0.0300% | 7,388 |
| Net operating income to assets | 0.7117% | 3,485 |
| Return on assets (ROA) | 0.7117% | 3,598 |
| Pretax return on assets | 1.1635% | 2,627 |
| Return on Equity (ROE) | 5.3183% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.2128% | 3,519 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0941% | 1,314 |
| Assets per employee ($millions) | 3.8780% | 4,047 |
| Cash dividends to net income (ytd only)* | 20.7865% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6827% | 1,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 19.4568% | 7,374 |
| Net loans and leases to deposits | 22.2585% | 7,389 |
| Net loans and leases to core deposits | 22.2585% | 7,395 |
| Total domestic deposits to total assets | 87.4128% | 2,513 |
| Equity capital to assets | 11.7784% | 2,265 |
| Core capital (leverage) ratio | 12.6946% | 1,292 |
| Tier 1 risk-based capital ratio | 39.4165% | 255 |
| Total risk-based capital ratio | 40.6734% | 251 |
| Memoranda: | ||
| Average total assets | $100,043,330 | 4,962 |
| Average earning assets | $91,215,330 | 4,959 |
| Average equity | $13,387,670 | 4,258 |
| Average total loans | $24,465,670 | 6,563 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 7,293 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 3.3429% | 5,635 |
| Noninterest income to average assets | 8.4879% | 83 |
| Noninterest expense to average assets | 9.9766% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9315% | 2,440 |
| Return on assets (ROA) | 0.9315% | 2,503 |
| Pretax return on assets | 1.5191% | 1,391 |
| Return on Equity (ROE) | 6.4701% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.7468% | 3,345 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7853% | 1,633 |
| Assets per employee ($millions) | 3.1699% | 5,797 |
| Cash dividends to net income (ytd only)* | 26.6355% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6926% | 1,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 24.2455% | 7,370 |
| Net loans and leases to deposits | 28.5532% | 7,378 |
| Net loans and leases to core deposits | 28.5532% | 7,392 |
| Total domestic deposits to total assets | 84.9135% | 4,074 |
| Equity capital to assets | 14.1223% | 970 |
| Core capital (leverage) ratio | 13.1143% | 1,087 |
| Tier 1 risk-based capital ratio | 38.3072% | 265 |
| Total risk-based capital ratio | 39.5636% | 259 |
| Memoranda: | ||
| Average total assets | $91,895,000 | 5,243 |
| Average earning assets | $82,681,500 | 5,282 |
| Average equity | $13,230,000 | 4,286 |
| Average total loans | $25,068,500 | 6,583 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 7,315 |
| Cost of funding earning assets | 0.0056% | 7,639 |
| Net interest margin | 3.6732% | 4,477 |
| Noninterest income to average assets | 8.1386% | 81 |
| Noninterest expense to average assets | 9.8662% | 83 |
| Loan and lease loss provision to assets | 0.3872% | 3,791 |
| Net operating income to assets | 0.7169% | 3,161 |
| Return on assets (ROA) | 0.7169% | 3,291 |
| Pretax return on assets | 1.1676% | 2,335 |
| Return on Equity (ROE) | 5.8785% | 3,665 |
| Retained earnings to average equity (ytd only) | 5.2109% | 2,301 |
| Net charge-offs to loans | 1.7588% | 1,208 |
| Credit loss provision to net charge-offs | 78.0000% | 5,634 |
| Earnings coverage of net charge-offs (x) | 3.1320% | 3,507 |
| Efficiency ratio | 86.3862% | 1,651 |
| Assets per employee ($millions) | 2.9564% | 6,198 |
| Cash dividends to net income (ytd only)* | 11.3573% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4242% | 1,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 29.0906% | 7,377 |
| Net loans and leases to deposits | 34.5585% | 7,382 |
| Net loans and leases to core deposits | 34.5585% | 7,414 |
| Total domestic deposits to total assets | 84.1778% | 4,285 |
| Equity capital to assets | 14.6913% | 864 |
| Core capital (leverage) ratio | 12.8292% | 1,185 |
| Tier 1 risk-based capital ratio | 33.2440% | 402 |
| Total risk-based capital ratio | 34.4990% | 388 |
| Memoranda: | ||
| Average total assets | $100,718,000 | 4,963 |
| Average earning assets | $90,002,600 | 5,016 |
| Average equity | $12,282,000 | 4,536 |
| Average total loans | $28,429,000 | 6,478 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 7,505 |
| Cost of funding earning assets | 0.0072% | 7,741 |
| Net interest margin | 3.5690% | 5,026 |
| Noninterest income to average assets | 8.1136% | 79 |
| Noninterest expense to average assets | 9.6703% | 84 |
| Loan and lease loss provision to assets | 0.5013% | 2,954 |
| Net operating income to assets | 0.6954% | 3,437 |
| Return on assets (ROA) | 0.6954% | 3,596 |
| Pretax return on assets | 1.1325% | 2,725 |
| Return on Equity (ROE) | 5.9638% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.2362% | 2,819 |
| Net charge-offs to loans | 2.3047% | 774 |
| Credit loss provision to net charge-offs | 78.0000% | 5,193 |
| Earnings coverage of net charge-offs (x) | 2.5420% | 3,892 |
| Efficiency ratio | 85.5470% | 1,677 |
| Assets per employee ($millions) | 3.0442% | 6,046 |
| Cash dividends to net income (ytd only)* | 12.1999% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4368% | 1,418 |
| Loan loss allowance to noncurrent loans | 64.1000% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1732% | 4,779 |
| Noncurrent loans to loans | 3.8016% | 2,028 |
| Net loans and leases to total assets | 30.1086% | 7,464 |
| Net loans and leases to deposits | 35.7811% | 7,478 |
| Net loans and leases to core deposits | 35.7811% | 7,505 |
| Total domestic deposits to total assets | 84.1467% | 4,035 |
| Equity capital to assets | 14.6895% | 971 |
| Core capital (leverage) ratio | 12.1521% | 1,582 |
| Tier 1 risk-based capital ratio | 32.3688% | 422 |
| Total risk-based capital ratio | 33.6242% | 415 |
| Memoranda: | ||
| Average total assets | $103,724,500 | 4,940 |
| Average earning assets | $92,721,000 | 4,982 |
| Average equity | $12,095,000 | 4,650 |
| Average total loans | $28,925,750 | 6,535 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 7,631 |
| Cost of funding earning assets | 0.0082% | 7,809 |
| Net interest margin | 3.4137% | 5,584 |
| Noninterest income to average assets | 8.0137% | 84 |
| Noninterest expense to average assets | 9.4570% | 86 |
| Loan and lease loss provision to assets | 0.6734% | 2,145 |
| Net operating income to assets | 0.5715% | 3,986 |
| Return on assets (ROA) | 0.5715% | 4,134 |
| Pretax return on assets | 0.9246% | 3,405 |
| Return on Equity (ROE) | 5.2539% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.4173% | 3,264 |
| Net charge-offs to loans | 3.3558% | 446 |
| Credit loss provision to net charge-offs | 74.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | 1.7560% | 4,202 |
| Efficiency ratio | 85.5449% | 1,768 |
| Assets per employee ($millions) | 4.0354% | 3,702 |
| Cash dividends to net income (ytd only)* | 15.9236% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,772 |
| Loan loss allowance to noncurrent loans | 52.1411% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 5,032 |
| Noncurrent loans to loans | 4.2064% | 1,771 |
| Net loans and leases to total assets | 24.5090% | 7,633 |
| Net loans and leases to deposits | 34.7139% | 7,558 |
| Net loans and leases to core deposits | 34.7139% | 7,591 |
| Total domestic deposits to total assets | 70.6030% | 7,290 |
| Equity capital to assets | 10.8956% | 2,971 |
| Core capital (leverage) ratio | 11.4782% | 1,926 |
| Tier 1 risk-based capital ratio | 29.6577% | 528 |
| Total risk-based capital ratio | 30.9109% | 512 |
| Memoranda: | ||
| Average total assets | $109,886,670 | 4,804 |
| Average earning assets | $97,899,330 | 4,876 |
| Average equity | $11,953,000 | 4,689 |
| Average total loans | $29,799,330 | 6,541 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 7,705 |
| Cost of funding earning assets | 0.0084% | 7,908 |
| Net interest margin | 3.4905% | 5,200 |
| Noninterest income to average assets | 8.6214% | 76 |
| Noninterest expense to average assets | 10.1057% | 74 |
| Loan and lease loss provision to assets | 0.9046% | 1,405 |
| Net operating income to assets | 0.4320% | 4,703 |
| Return on assets (ROA) | 0.4320% | 4,837 |
| Pretax return on assets | 0.6941% | 4,255 |
| Return on Equity (ROE) | 3.9749% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.4653% | 4,069 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3407% | 1,760 |
| Assets per employee ($millions) | 3.4940% | 5,045 |
| Cash dividends to net income (ytd only)* | 12.8205% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3016% | 634 |
| Loan loss allowance to noncurrent loans | 44.8649% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 2.1179% | 3,358 |
| Noncurrent loans to loans | 7.3590% | 784 |
| Net loans and leases to total assets | 27.8293% | 7,677 |
| Net loans and leases to deposits | 35.7159% | 7,629 |
| Net loans and leases to core deposits | 35.7159% | 7,656 |
| Total domestic deposits to total assets | 77.9185% | 6,336 |
| Equity capital to assets | 11.3183% | 2,487 |
| Core capital (leverage) ratio | 10.0281% | 3,136 |
| Tier 1 risk-based capital ratio | 26.5370% | 735 |
| Total risk-based capital ratio | 27.8001% | 720 |
| Memoranda: | ||
| Average total assets | $108,334,500 | 4,915 |
| Average earning assets | $95,688,500 | 5,002 |
| Average equity | $11,774,000 | 4,774 |
| Average total loans | $30,542,000 | 6,582 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4186% | 7,843 |
| Cost of funding earning assets | 0.0183% | 7,992 |
| Net interest margin | 3.4003% | 5,364 |
| Noninterest income to average assets | 7.0821% | 101 |
| Noninterest expense to average assets | 8.7453% | 117 |
| Loan and lease loss provision to assets | 0.9981% | 2,281 |
| Net operating income to assets | 0.1054% | 5,201 |
| Return on assets (ROA) | 0.1439% | 5,137 |
| Pretax return on assets | 0.1989% | 5,005 |
| Return on Equity (ROE) | 1.7479% | 5,001 |
| Retained earnings to average equity (ytd only) | 1.3086% | 4,128 |
| Net charge-offs to loans | 2.6678% | 843 |
| Credit loss provision to net charge-offs | 162.1787% | 2,721 |
| Earnings coverage of net charge-offs (x) | 1.8580% | 4,326 |
| Efficiency ratio | 88.4369% | 1,844 |
| Assets per employee ($millions) | 3.7283% | 4,456 |
| Cash dividends to net income (ytd only)* | 25.1309% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4291% | 1,319 |
| Loan loss allowance to noncurrent loans | 67.6577% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 5,125 |
| Noncurrent loans to loans | 3.5903% | 2,111 |
| Net loans and leases to total assets | 26.9705% | 7,772 |
| Net loans and leases to deposits | 35.5274% | 7,734 |
| Net loans and leases to core deposits | 35.5274% | 7,814 |
| Total domestic deposits to total assets | 75.9146% | 6,696 |
| Equity capital to assets | 10.4463% | 3,245 |
| Core capital (leverage) ratio | 6.8744% | 7,330 |
| Tier 1 risk-based capital ratio | 25.8714% | 770 |
| Total risk-based capital ratio | 27.1287% | 759 |
| Memoranda: | ||
| Average total assets | $132,756,800 | 4,281 |
| Average earning assets | $109,577,000 | 4,577 |
| Average equity | $10,927,400 | 5,040 |
| Average total loans | $30,624,000 | 6,594 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 7,942 |
| Cost of funding earning assets | 0.0203% | 8,076 |
| Net interest margin | 3.4148% | 5,199 |
| Noninterest income to average assets | 6.8412% | 109 |
| Noninterest expense to average assets | 8.3998% | 138 |
| Loan and lease loss provision to assets | 1.0822% | 1,802 |
| Net operating income to assets | 0.0956% | 5,477 |
| Return on assets (ROA) | 0.1449% | 5,403 |
| Pretax return on assets | 0.1952% | 5,313 |
| Return on Equity (ROE) | 1.8625% | 5,214 |
| Retained earnings to average equity (ytd only) | 1.6514% | 4,389 |
| Net charge-offs to loans | 2.3523% | 788 |
| Credit loss provision to net charge-offs | 207.7922% | 2,130 |
| Earnings coverage of net charge-offs (x) | 2.3247% | 4,081 |
| Efficiency ratio | 87.4020% | 1,928 |
| Assets per employee ($millions) | 4.2130% | 3,357 |
| Cash dividends to net income (ytd only)* | 11.3350% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6970% | 886 |
| Loan loss allowance to noncurrent loans | 195.7245% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 6,622 |
| Noncurrent loans to loans | 1.3780% | 4,612 |
| Net loans and leases to total assets | 24.3321% | 7,896 |
| Net loans and leases to deposits | 27.2319% | 7,935 |
| Net loans and leases to core deposits | 27.2319% | 7,962 |
| Total domestic deposits to total assets | 89.3514% | 1,039 |
| Equity capital to assets | 9.4626% | 4,795 |
| Core capital (leverage) ratio | 6.9352% | 7,473 |
| Tier 1 risk-based capital ratio | 24.1959% | 983 |
| Total risk-based capital ratio | 25.4532% | 959 |
| Memoranda: | ||
| Average total assets | $137,984,000 | 4,189 |
| Average earning assets | $111,903,000 | 4,541 |
| Average equity | $10,738,250 | 5,130 |
| Average total loans | $30,550,750 | 6,653 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 8,026 |
| Cost of funding earning assets | 0.0197% | 8,173 |
| Net interest margin | 3.4866% | 4,859 |
| Noninterest income to average assets | 6.5925% | 108 |
| Noninterest expense to average assets | 8.2036% | 157 |
| Loan and lease loss provision to assets | 0.8028% | 2,083 |
| Net operating income to assets | 0.2095% | 5,229 |
| Return on assets (ROA) | 0.2750% | 5,100 |
| Pretax return on assets | 0.3965% | 4,944 |
| Return on Equity (ROE) | 3.7653% | 4,594 |
| Retained earnings to average equity (ytd only) | 3.4404% | 3,406 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1356% | 2,001 |
| Assets per employee ($millions) | 5.3095% | 1,765 |
| Cash dividends to net income (ytd only)* | 8.6294% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8184% | 664 |
| Loan loss allowance to noncurrent loans | 85.2083% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 5,914 |
| Noncurrent loans to loans | 3.3076% | 2,133 |
| Net loans and leases to total assets | 17.7080% | 8,057 |
| Net loans and leases to deposits | 19.2417% | 8,085 |
| Net loans and leases to core deposits | 19.2417% | 8,094 |
| Total domestic deposits to total assets | 92.0293% | 205 |
| Equity capital to assets | 6.9888% | 7,623 |
| Core capital (leverage) ratio | 6.8923% | 7,607 |
| Tier 1 risk-based capital ratio | 18.7896% | 1,820 |
| Total risk-based capital ratio | 20.0427% | 1,773 |
| Memoranda: | ||
| Average total assets | $143,253,330 | 4,110 |
| Average earning assets | $111,568,670 | 4,588 |
| Average equity | $10,464,000 | 5,226 |
| Average total loans | $30,550,330 | 6,702 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 8,065 |
| Cost of funding earning assets | 0.0225% | 8,226 |
| Net interest margin | 3.6610% | 4,056 |
| Noninterest income to average assets | 6.6431% | 101 |
| Noninterest expense to average assets | 8.5538% | 140 |
| Loan and lease loss provision to assets | 0.0739% | 6,032 |
| Net operating income to assets | 0.5915% | 4,048 |
| Return on assets (ROA) | 0.5915% | 4,249 |
| Pretax return on assets | 0.9051% | 3,695 |
| Return on Equity (ROE) | 7.8973% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.8973% | 1,851 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7301% | 1,742 |
| Assets per employee ($millions) | 4.7060% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 6,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 20.8891% | 8,073 |
| Net loans and leases to deposits | 23.1318% | 8,118 |
| Net loans and leases to core deposits | 23.1318% | 8,123 |
| Total domestic deposits to total assets | 90.3049% | 676 |
| Equity capital to assets | 8.1667% | 6,574 |
| Core capital (leverage) ratio | 7.1459% | 7,530 |
| Tier 1 risk-based capital ratio | 20.1302% | 1,604 |
| Total risk-based capital ratio | 20.6668% | 1,685 |
| Memoranda: | ||
| Average total assets | $135,238,000 | 4,308 |
| Average earning assets | $106,745,500 | 4,726 |
| Average equity | $10,130,000 | 5,342 |
| Average total loans | $31,313,500 | 6,683 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 8,053 |
| Cost of funding earning assets | 0.0679% | 8,269 |
| Net interest margin | 4.3182% | 1,923 |
| Noninterest income to average assets | 5.8972% | 109 |
| Noninterest expense to average assets | 8.8109% | 182 |
| Loan and lease loss provision to assets | 0.0928% | 6,206 |
| Net operating income to assets | 0.3142% | 5,497 |
| Return on assets (ROA) | 0.2883% | 5,392 |
| Pretax return on assets | 0.3556% | 5,371 |
| Return on Equity (ROE) | 3.8740% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.3442% | 3,065 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8294% | 1,231 |
| Assets per employee ($millions) | 5.1374% | 1,791 |
| Cash dividends to net income (ytd only)* | 13.6752% | 4,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 7,431 |
| Loan loss allowance to noncurrent loans | 64.1161% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 6,483 |
| Noncurrent loans to loans | 1.0880% | 4,386 |
| Net loans and leases to total assets | 24.9378% | 8,090 |
| Net loans and leases to deposits | 27.2134% | 8,147 |
| Net loans and leases to core deposits | 27.2134% | 8,170 |
| Total domestic deposits to total assets | 91.6379% | 184 |
| Equity capital to assets | 6.8481% | 7,804 |
| Core capital (leverage) ratio | 6.5474% | 7,920 |
| Tier 1 risk-based capital ratio | 19.3220% | 1,742 |
| Total risk-based capital ratio | 19.8464% | 1,847 |
| Memoranda: | ||
| Average total assets | $121,769,000 | 4,472 |
| Average earning assets | $95,712,000 | 4,933 |
| Average equity | $9,060,400 | 5,723 |
| Average total loans | $26,567,600 | 6,929 |