Home > Farmers and Merchants State Bank > Performance and Condition Ratios
Farmers and Merchants State Bank, Performance and Condition Ratios
| 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 | 3.5003% | 4,919 |
| Cost of funding earning assets | 0.2771% | 4,509 |
| Net interest margin | 3.2231% | 4,548 |
| Noninterest income to average assets | 0.2377% | 5,174 |
| Noninterest expense to average assets | 2.6632% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6641% | 3,980 |
| Return on assets (ROA) | 0.6641% | 4,069 |
| Pretax return on assets | 0.6641% | 4,638 |
| Return on Equity (ROE) | 6.6690% | 3,700 |
| Retained earnings to average equity (ytd only) | -1.0530% | 5,666 |
| Net charge-offs to loans | 0.0117% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 350 |
| Efficiency ratio | 80.0420% | 1,667 |
| Assets per employee ($millions) | 3.2251% | 5,267 |
| Cash dividends to net income (ytd only)* | 115.7895% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2545% | 546 |
| Loan loss allowance to noncurrent loans | 1,469.2308% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 5,501 |
| Noncurrent loans to loans | 0.1534% | 4,880 |
| Net loans and leases to total assets | 28.5296% | 5,932 |
| Net loans and leases to deposits | 31.6045% | 5,973 |
| Net loans and leases to core deposits | 31.9804% | 5,986 |
| Total domestic deposits to total assets | 90.2708% | 513 |
| Equity capital to assets | 9.6396% | 4,386 |
| Core capital (leverage) ratio | 8.8930% | 5,012 |
| Tier 1 risk-based capital ratio | 24.7893% | 833 |
| Total risk-based capital ratio | 26.0439% | 821 |
| Memoranda: | ||
| Average total assets | $28,611,800 | 5,983 |
| Average earning assets | $27,426,600 | 5,942 |
| Average equity | $2,849,000 | 6,018 |
| Average total loans | $8,530,000 | 6,046 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,901 |
| Cost of funding earning assets | 0.2783% | 4,582 |
| Net interest margin | 3.2562% | 4,499 |
| Noninterest income to average assets | 0.2292% | 5,282 |
| Noninterest expense to average assets | 2.3618% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9868% | 2,533 |
| Return on assets (ROA) | 0.9915% | 2,595 |
| Pretax return on assets | 0.9915% | 3,644 |
| Return on Equity (ROE) | 9.8772% | 2,150 |
| Retained earnings to average equity (ytd only) | -0.3728% | 5,670 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5307% | 3,130 |
| Assets per employee ($millions) | 3.1819% | 5,328 |
| Cash dividends to net income (ytd only)* | 103.7749% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2501% | 616 |
| Loan loss allowance to noncurrent loans | 2,133.3333% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 5,662 |
| Noncurrent loans to loans | 0.1055% | 5,217 |
| Net loans and leases to total assets | 29.1267% | 5,997 |
| Net loans and leases to deposits | 32.8969% | 6,036 |
| Net loans and leases to core deposits | 33.3014% | 6,056 |
| Total domestic deposits to total assets | 88.5393% | 1,279 |
| Equity capital to assets | 10.1303% | 4,021 |
| Core capital (leverage) ratio | 8.9437% | 5,061 |
| Tier 1 risk-based capital ratio | 26.0063% | 763 |
| Total risk-based capital ratio | 27.2699% | 745 |
| Memoranda: | ||
| Average total assets | $28,508,250 | 6,065 |
| Average earning assets | $27,311,500 | 6,023 |
| Average equity | $2,861,750 | 6,100 |
| Average total loans | $8,544,500 | 6,127 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,948 |
| Cost of funding earning assets | 0.2782% | 4,631 |
| Net interest margin | 3.2361% | 4,543 |
| Noninterest income to average assets | 0.2389% | 5,249 |
| Noninterest expense to average assets | 2.3397% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0047% | 2,372 |
| Return on assets (ROA) | 1.0118% | 2,446 |
| Pretax return on assets | 1.0118% | 3,538 |
| Return on Equity (ROE) | 10.1100% | 2,024 |
| Retained earnings to average equity (ytd only) | -3.6508% | 5,953 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9580% | 3,338 |
| Assets per employee ($millions) | 3.1504% | 5,407 |
| Cash dividends to net income (ytd only)* | 136.1111% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2541% | 679 |
| Loan loss allowance to noncurrent loans | 2,742.8571% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 5,792 |
| Noncurrent loans to loans | 0.0822% | 5,408 |
| Net loans and leases to total assets | 29.3645% | 6,056 |
| Net loans and leases to deposits | 32.5973% | 6,110 |
| Net loans and leases to core deposits | 32.9952% | 6,124 |
| Total domestic deposits to total assets | 90.0825% | 624 |
| Equity capital to assets | 9.8081% | 4,266 |
| Core capital (leverage) ratio | 8.7694% | 5,261 |
| Tier 1 risk-based capital ratio | 24.2879% | 930 |
| Total risk-based capital ratio | 25.5474% | 918 |
| Memoranda: | ||
| Average total assets | $28,465,330 | 6,135 |
| Average earning assets | $27,316,670 | 6,092 |
| Average equity | $2,848,670 | 6,168 |
| Average total loans | $8,548,330 | 6,199 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 4,876 |
| Cost of funding earning assets | 0.2774% | 4,698 |
| Net interest margin | 3.2562% | 4,397 |
| Noninterest income to average assets | 0.2104% | 5,449 |
| Noninterest expense to average assets | 2.3421% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9958% | 2,288 |
| Return on assets (ROA) | 1.0098% | 2,356 |
| Pretax return on assets | 1.0098% | 3,456 |
| Return on Equity (ROE) | 9.9913% | 2,011 |
| Retained earnings to average equity (ytd only) | -10.6852% | 6,150 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1681% | 3,460 |
| Assets per employee ($millions) | 3.2001% | 5,417 |
| Cash dividends to net income (ytd only)* | 206.9444% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1930% | 815 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,859 |
| Noncurrent loans to loans | 0.0685% | 5,498 |
| Net loans and leases to total assets | 29.7316% | 6,081 |
| Net loans and leases to deposits | 33.1078% | 6,133 |
| Net loans and leases to core deposits | 33.5042% | 6,151 |
| Total domestic deposits to total assets | 89.8024% | 843 |
| Equity capital to assets | 10.0448% | 4,098 |
| Core capital (leverage) ratio | 8.7686% | 5,242 |
| Tier 1 risk-based capital ratio | 23.7585% | 1,016 |
| Total risk-based capital ratio | 25.0120% | 1,007 |
| Memoranda: | ||
| Average total assets | $28,521,000 | 6,197 |
| Average earning assets | $27,394,000 | 6,155 |
| Average equity | $2,882,500 | 6,222 |
| Average total loans | $8,563,500 | 6,266 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7404% | 4,677 |
| Cost of funding earning assets | 0.2854% | 4,946 |
| Net interest margin | 3.4550% | 3,960 |
| Noninterest income to average assets | 0.2471% | 5,362 |
| Noninterest expense to average assets | 2.7394% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8066% | 3,340 |
| Return on assets (ROA) | 0.8538% | 3,196 |
| Pretax return on assets | 0.8538% | 4,059 |
| Return on Equity (ROE) | 8.4375% | 2,887 |
| Retained earnings to average equity (ytd only) | -0.3949% | 5,832 |
| Net charge-offs to loans | -0.1758% | 6,241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2541% | 2,322 |
| Assets per employee ($millions) | 3.1379% | 5,519 |
| Cash dividends to net income (ytd only)* | 104.6809% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2934% | 730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 28.9650% | 6,208 |
| Net loans and leases to deposits | 32.2810% | 6,251 |
| Net loans and leases to core deposits | 32.6756% | 6,267 |
| Total domestic deposits to total assets | 89.7277% | 863 |
| Equity capital to assets | 10.1696% | 3,895 |
| Core capital (leverage) ratio | 9.1171% | 4,799 |
| Tier 1 risk-based capital ratio | 25.1178% | 829 |
| Total risk-based capital ratio | 26.3742% | 815 |
| Memoranda: | ||
| Average total assets | $27,524,200 | 6,302 |
| Average earning assets | $26,280,800 | 6,258 |
| Average equity | $2,785,200 | 6,306 |
| Average total loans | $8,533,000 | 6,352 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 4,627 |
| Cost of funding earning assets | 0.2863% | 5,028 |
| Net interest margin | 3.4919% | 3,867 |
| Noninterest income to average assets | 0.2438% | 5,458 |
| Noninterest expense to average assets | 2.5111% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0629% | 2,185 |
| Return on assets (ROA) | 1.1263% | 2,008 |
| Pretax return on assets | 1.1263% | 3,083 |
| Return on Equity (ROE) | 11.1449% | 1,734 |
| Retained earnings to average equity (ytd only) | -0.7237% | 5,918 |
| Net charge-offs to loans | -0.2333% | 6,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2592% | 3,468 |
| Assets per employee ($millions) | 3.0471% | 5,681 |
| Cash dividends to net income (ytd only)* | 106.4937% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2197% | 917 |
| Loan loss allowance to noncurrent loans | 112.2807% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 3,960 |
| Noncurrent loans to loans | 1.9769% | 1,613 |
| Net loans and leases to total assets | 30.8416% | 6,230 |
| Net loans and leases to deposits | 34.4943% | 6,283 |
| Net loans and leases to core deposits | 34.9302% | 6,301 |
| Total domestic deposits to total assets | 89.4107% | 1,023 |
| Equity capital to assets | 10.4288% | 3,646 |
| Core capital (leverage) ratio | 9.2953% | 4,643 |
| Tier 1 risk-based capital ratio | 24.1699% | 971 |
| Total risk-based capital ratio | 25.4281% | 945 |
| Memoranda: | ||
| Average total assets | $27,345,000 | 6,381 |
| Average earning assets | $26,079,000 | 6,336 |
| Average equity | $2,763,500 | 6,381 |
| Average total loans | $8,573,250 | 6,425 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,623 |
| Cost of funding earning assets | 0.2847% | 5,134 |
| Net interest margin | 3.4860% | 3,837 |
| Noninterest income to average assets | 0.2416% | 5,464 |
| Noninterest expense to average assets | 2.4452% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1128% | 1,887 |
| Return on assets (ROA) | 1.1860% | 1,708 |
| Pretax return on assets | 1.1860% | 2,728 |
| Return on Equity (ROE) | 11.8624% | 1,463 |
| Retained earnings to average equity (ytd only) | -3.8809% | 6,167 |
| Net charge-offs to loans | -0.3510% | 6,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7243% | 3,876 |
| Assets per employee ($millions) | 3.0416% | 5,698 |
| Cash dividends to net income (ytd only)* | 132.7160% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 1,004 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 5,977 |
| Noncurrent loans to loans | 0.2077% | 5,397 |
| Net loans and leases to total assets | 30.9637% | 6,277 |
| Net loans and leases to deposits | 34.7420% | 6,331 |
| Net loans and leases to core deposits | 35.1833% | 6,349 |
| Total domestic deposits to total assets | 89.1247% | 1,289 |
| Equity capital to assets | 10.3565% | 3,610 |
| Core capital (leverage) ratio | 9.1881% | 4,762 |
| Tier 1 risk-based capital ratio | 23.5900% | 1,034 |
| Total risk-based capital ratio | 24.8454% | 1,015 |
| Memoranda: | ||
| Average total assets | $27,318,670 | 6,439 |
| Average earning assets | $25,990,000 | 6,397 |
| Average equity | $2,731,330 | 6,442 |
| Average total loans | $8,547,670 | 6,485 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,699 |
| Cost of funding earning assets | 0.2771% | 5,314 |
| Net interest margin | 3.4643% | 3,842 |
| Noninterest income to average assets | 0.2199% | 5,598 |
| Noninterest expense to average assets | 2.4624% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0553% | 1,985 |
| Return on assets (ROA) | 1.2019% | 1,545 |
| Pretax return on assets | 1.2019% | 2,477 |
| Return on Equity (ROE) | 12.2411% | 1,362 |
| Retained earnings to average equity (ytd only) | -11.6440% | 6,407 |
| Net charge-offs to loans | -0.7069% | 6,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 3,842 |
| Assets per employee ($millions) | 3.0774% | 5,730 |
| Cash dividends to net income (ytd only)* | 195.1220% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2115% | 1,144 |
| Loan loss allowance to noncurrent loans | 3,840.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 6,256 |
| Noncurrent loans to loans | 0.0576% | 5,979 |
| Net loans and leases to total assets | 30.6531% | 6,320 |
| Net loans and leases to deposits | 34.0131% | 6,369 |
| Net loans and leases to core deposits | 34.4338% | 6,400 |
| Total domestic deposits to total assets | 90.1217% | 1,003 |
| Equity capital to assets | 9.7447% | 4,170 |
| Core capital (leverage) ratio | 9.0628% | 4,914 |
| Tier 1 risk-based capital ratio | 23.1426% | 1,125 |
| Total risk-based capital ratio | 24.3964% | 1,109 |
| Memoranda: | ||
| Average total assets | $27,291,000 | 6,511 |
| Average earning assets | $25,979,000 | 6,460 |
| Average equity | $2,679,500 | 6,506 |
| Average total loans | $8,487,500 | 6,558 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 4,473 |
| Cost of funding earning assets | 0.2954% | 5,637 |
| Net interest margin | 3.6026% | 3,458 |
| Noninterest income to average assets | 0.2810% | 5,349 |
| Noninterest expense to average assets | 2.7619% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9465% | 2,581 |
| Return on assets (ROA) | 0.9465% | 2,651 |
| Pretax return on assets | 0.9465% | 3,574 |
| Return on Equity (ROE) | 8.8252% | 2,629 |
| Retained earnings to average equity (ytd only) | -0.6895% | 6,009 |
| Net charge-offs to loans | 0.1792% | 3,030 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 18.2857% | 1,659 |
| Efficiency ratio | 74.4766% | 3,049 |
| Assets per employee ($millions) | 2.9872% | 5,854 |
| Cash dividends to net income (ytd only)* | 107.8125% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 30.1878% | 6,456 |
| Net loans and leases to deposits | 33.5372% | 6,495 |
| Net loans and leases to core deposits | 33.9653% | 6,522 |
| Total domestic deposits to total assets | 90.0130% | 1,068 |
| Equity capital to assets | 9.8940% | 3,907 |
| Core capital (leverage) ratio | 9.5242% | 4,229 |
| Tier 1 risk-based capital ratio | 24.4809% | 905 |
| Total risk-based capital ratio | 25.7382% | 889 |
| Memoranda: | ||
| Average total assets | $27,047,000 | 6,584 |
| Average earning assets | $25,731,600 | 6,534 |
| Average equity | $2,900,800 | 6,549 |
| Average total loans | $7,810,800 | 6,660 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 4,858 |
| Cost of funding earning assets | 0.2947% | 5,772 |
| Net interest margin | 3.5058% | 3,859 |
| Noninterest income to average assets | 0.2953% | 5,334 |
| Noninterest expense to average assets | 2.5153% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1173% | 1,946 |
| Return on assets (ROA) | 1.1173% | 2,013 |
| Pretax return on assets | 1.1173% | 3,033 |
| Return on Equity (ROE) | 10.2215% | 2,096 |
| Retained earnings to average equity (ytd only) | -1.6211% | 6,218 |
| Net charge-offs to loans | 0.2428% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.2110% | 1,820 |
| Efficiency ratio | 69.2412% | 3,883 |
| Assets per employee ($millions) | 2.9992% | 5,851 |
| Cash dividends to net income (ytd only)* | 115.8594% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1723% | 1,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 29.5299% | 6,550 |
| Net loans and leases to deposits | 32.9775% | 6,595 |
| Net loans and leases to core deposits | 33.3990% | 6,622 |
| Total domestic deposits to total assets | 89.5454% | 1,268 |
| Equity capital to assets | 10.3027% | 3,507 |
| Core capital (leverage) ratio | 9.3519% | 4,613 |
| Tier 1 risk-based capital ratio | 24.5082% | 935 |
| Total risk-based capital ratio | 25.7461% | 913 |
| Memoranda: | ||
| Average total assets | $27,087,500 | 6,657 |
| Average earning assets | $25,785,500 | 6,610 |
| Average equity | $2,961,000 | 6,614 |
| Average total loans | $7,690,250 | 6,737 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,950 |
| Cost of funding earning assets | 0.2942% | 5,873 |
| Net interest margin | 3.4680% | 3,933 |
| Noninterest income to average assets | 0.2950% | 5,341 |
| Noninterest expense to average assets | 2.4116% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1874% | 1,624 |
| Return on assets (ROA) | 1.1874% | 1,732 |
| Pretax return on assets | 1.1874% | 2,729 |
| Return on Equity (ROE) | 10.6587% | 1,943 |
| Retained earnings to average equity (ytd only) | -4.8328% | 6,450 |
| Net charge-offs to loans | -0.0265% | 6,061 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0082% | 4,361 |
| Assets per employee ($millions) | 2.7311% | 6,251 |
| Cash dividends to net income (ytd only)* | 145.3416% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5088% | 978 |
| Loan loss allowance to noncurrent loans | 1,280.0000% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 6,341 |
| Noncurrent loans to loans | 0.1960% | 5,821 |
| Net loans and leases to total assets | 27.3187% | 6,648 |
| Net loans and leases to deposits | 30.4779% | 6,686 |
| Net loans and leases to core deposits | 30.8625% | 6,702 |
| Total domestic deposits to total assets | 89.6342% | 1,240 |
| Equity capital to assets | 10.2193% | 3,644 |
| Core capital (leverage) ratio | 9.3316% | 4,489 |
| Tier 1 risk-based capital ratio | 24.3377% | 958 |
| Total risk-based capital ratio | 25.5947% | 939 |
| Memoranda: | ||
| Average total assets | $27,119,000 | 6,707 |
| Average earning assets | $25,836,000 | 6,658 |
| Average equity | $3,021,000 | 6,645 |
| Average total loans | $7,537,670 | 6,791 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,952 |
| Cost of funding earning assets | 0.2953% | 6,005 |
| Net interest margin | 3.4659% | 3,837 |
| Noninterest income to average assets | 0.2368% | 5,764 |
| Noninterest expense to average assets | 2.5016% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0362% | 2,087 |
| Return on assets (ROA) | 1.0362% | 2,196 |
| Pretax return on assets | 1.0362% | 3,200 |
| Return on Equity (ROE) | 8.9286% | 2,513 |
| Retained earnings to average equity (ytd only) | -14.0306% | 6,727 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7113% | 3,850 |
| Assets per employee ($millions) | 3.0227% | 5,947 |
| Cash dividends to net income (ytd only)* | 257.1429% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5951% | 1,017 |
| Loan loss allowance to noncurrent loans | 1,123.5294% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 6,414 |
| Noncurrent loans to loans | 0.2310% | 5,836 |
| Net loans and leases to total assets | 26.3527% | 6,719 |
| Net loans and leases to deposits | 29.7543% | 6,751 |
| Net loans and leases to core deposits | 30.1332% | 6,760 |
| Total domestic deposits to total assets | 88.5679% | 1,964 |
| Equity capital to assets | 11.3072% | 2,627 |
| Core capital (leverage) ratio | 9.2485% | 4,484 |
| Tier 1 risk-based capital ratio | 26.0172% | 779 |
| Total risk-based capital ratio | 27.2756% | 769 |
| Memoranda: | ||
| Average total assets | $27,023,000 | 6,776 |
| Average earning assets | $25,736,500 | 6,726 |
| Average equity | $3,136,000 | 6,691 |
| Average total loans | $7,480,000 | 6,862 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 4,642 |
| Cost of funding earning assets | 0.3526% | 6,192 |
| Net interest margin | 3.8338% | 3,090 |
| Noninterest income to average assets | 0.3026% | 5,290 |
| Noninterest expense to average assets | 2.8577% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0266% | 2,226 |
| Return on assets (ROA) | 1.0266% | 2,437 |
| Pretax return on assets | 1.0266% | 3,452 |
| Return on Equity (ROE) | 8.5881% | 2,834 |
| Retained earnings to average equity (ytd only) | 0.9293% | 5,406 |
| Net charge-offs to loans | -0.0655% | 6,754 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5700% | 3,139 |
| Assets per employee ($millions) | 2.2368% | 6,803 |
| Cash dividends to net income (ytd only)* | 89.1791% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5132% | 1,117 |
| Loan loss allowance to noncurrent loans | 1,123.5294% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 6,455 |
| Noncurrent loans to loans | 0.2237% | 5,919 |
| Net loans and leases to total assets | 27.6023% | 6,771 |
| Net loans and leases to deposits | 31.3675% | 6,801 |
| Net loans and leases to core deposits | 31.7751% | 6,812 |
| Total domestic deposits to total assets | 87.9964% | 2,236 |
| Equity capital to assets | 11.9067% | 2,108 |
| Core capital (leverage) ratio | 9.9439% | 3,474 |
| Tier 1 risk-based capital ratio | 27.0949% | 683 |
| Total risk-based capital ratio | 28.3502% | 670 |
| Memoranda: | ||
| Average total assets | $26,105,000 | 6,838 |
| Average earning assets | $24,388,600 | 6,806 |
| Average equity | $3,120,600 | 6,756 |
| Average total loans | $7,629,800 | 6,928 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 4,745 |
| Cost of funding earning assets | 0.3641% | 6,308 |
| Net interest margin | 3.8565% | 3,095 |
| Noninterest income to average assets | 0.3086% | 5,314 |
| Noninterest expense to average assets | 2.6850% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2191% | 1,671 |
| Return on assets (ROA) | 1.2191% | 1,844 |
| Pretax return on assets | 1.2191% | 2,918 |
| Return on Equity (ROE) | 10.1875% | 2,261 |
| Retained earnings to average equity (ytd only) | -0.0861% | 6,096 |
| Net charge-offs to loans | -0.1047% | 6,866 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7747% | 3,916 |
| Assets per employee ($millions) | 2.9179% | 6,187 |
| Cash dividends to net income (ytd only)* | 100.8450% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4424% | 1,281 |
| Loan loss allowance to noncurrent loans | 1,010.5263% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 6,558 |
| Noncurrent loans to loans | 0.2417% | 6,002 |
| Net loans and leases to total assets | 29.2030% | 6,843 |
| Net loans and leases to deposits | 33.3232% | 6,881 |
| Net loans and leases to core deposits | 33.7678% | 6,906 |
| Total domestic deposits to total assets | 87.6357% | 2,269 |
| Equity capital to assets | 12.1968% | 2,116 |
| Core capital (leverage) ratio | 9.6716% | 4,008 |
| Tier 1 risk-based capital ratio | 26.4496% | 787 |
| Total risk-based capital ratio | 27.7106% | 768 |
| Memoranda: | ||
| Average total assets | $25,920,750 | 6,932 |
| Average earning assets | $24,166,500 | 6,899 |
| Average equity | $3,101,750 | 6,848 |
| Average total loans | $7,637,250 | 7,022 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 4,862 |
| Cost of funding earning assets | 0.3749% | 6,401 |
| Net interest margin | 3.8494% | 3,139 |
| Noninterest income to average assets | 0.3332% | 5,162 |
| Noninterest expense to average assets | 2.5729% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3407% | 1,329 |
| Return on assets (ROA) | 1.3407% | 1,485 |
| Pretax return on assets | 1.3407% | 2,422 |
| Return on Equity (ROE) | 11.2777% | 1,889 |
| Retained earnings to average equity (ytd only) | -2.4120% | 6,401 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7426% | 4,582 |
| Assets per employee ($millions) | 2.9031% | 6,229 |
| Cash dividends to net income (ytd only)* | 121.3873% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3565% | 1,488 |
| Loan loss allowance to noncurrent loans | 18,600.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,855 |
| Noncurrent loans to loans | 0.0127% | 6,668 |
| Net loans and leases to total assets | 29.4971% | 6,886 |
| Net loans and leases to deposits | 33.5905% | 6,930 |
| Net loans and leases to core deposits | 34.0400% | 6,957 |
| Total domestic deposits to total assets | 87.8138% | 2,272 |
| Equity capital to assets | 12.0139% | 2,136 |
| Core capital (leverage) ratio | 9.6878% | 3,853 |
| Tier 1 risk-based capital ratio | 25.7554% | 828 |
| Total risk-based capital ratio | 27.0110% | 812 |
| Memoranda: | ||
| Average total assets | $25,807,330 | 6,992 |
| Average earning assets | $24,004,000 | 6,961 |
| Average equity | $3,068,000 | 6,897 |
| Average total loans | $7,562,670 | 7,083 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 4,845 |
| Cost of funding earning assets | 0.4035% | 6,391 |
| Net interest margin | 3.8673% | 3,065 |
| Noninterest income to average assets | 0.3275% | 5,246 |
| Noninterest expense to average assets | 2.5734% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3413% | 1,345 |
| Return on assets (ROA) | 1.3413% | 1,505 |
| Pretax return on assets | 1.3413% | 2,386 |
| Return on Equity (ROE) | 11.3438% | 1,889 |
| Retained earnings to average equity (ytd only) | -8.5738% | 6,788 |
| Net charge-offs to loans | -0.0541% | 6,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7371% | 4,608 |
| Assets per employee ($millions) | 2.9064% | 6,339 |
| Cash dividends to net income (ytd only)* | 175.5814% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5328% | 1,309 |
| Loan loss allowance to noncurrent loans | 9,350.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,917 |
| Noncurrent loans to loans | 0.0271% | 6,703 |
| Net loans and leases to total assets | 27.5097% | 6,991 |
| Net loans and leases to deposits | 31.1610% | 7,026 |
| Net loans and leases to core deposits | 31.5711% | 7,046 |
| Total domestic deposits to total assets | 88.2827% | 2,142 |
| Equity capital to assets | 11.5032% | 2,441 |
| Core capital (leverage) ratio | 9.7267% | 3,740 |
| Tier 1 risk-based capital ratio | 26.9934% | 736 |
| Total risk-based capital ratio | 28.2484% | 720 |
| Memoranda: | ||
| Average total assets | $25,647,000 | 7,058 |
| Average earning assets | $23,789,000 | 7,026 |
| Average equity | $3,032,500 | 6,957 |
| Average total loans | $7,397,500 | 7,151 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 5,096 |
| Cost of funding earning assets | 0.5240% | 6,441 |
| Net interest margin | 3.9697% | 3,023 |
| Noninterest income to average assets | 0.3541% | 4,971 |
| Noninterest expense to average assets | 3.1412% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8934% | 2,627 |
| Return on assets (ROA) | 0.9057% | 2,704 |
| Pretax return on assets | 0.9057% | 3,590 |
| Return on Equity (ROE) | 7.6891% | 3,063 |
| Retained earnings to average equity (ytd only) | 0.3146% | 5,690 |
| Net charge-offs to loans | -0.0998% | 7,136 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8571% | 2,609 |
| Assets per employee ($millions) | 2.7929% | 6,468 |
| Cash dividends to net income (ytd only)* | 95.9091% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5094% | 1,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 28.7476% | 7,043 |
| Net loans and leases to deposits | 32.7888% | 7,076 |
| Net loans and leases to core deposits | 33.2413% | 7,092 |
| Total domestic deposits to total assets | 87.6750% | 2,354 |
| Equity capital to assets | 12.1579% | 2,004 |
| Core capital (leverage) ratio | 10.1857% | 3,105 |
| Tier 1 risk-based capital ratio | 28.1429% | 615 |
| Total risk-based capital ratio | 29.4066% | 604 |
| Memoranda: | ||
| Average total assets | $24,289,800 | 7,123 |
| Average earning assets | $22,520,600 | 7,093 |
| Average equity | $2,861,200 | 7,040 |
| Average total loans | $7,010,800 | 7,210 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 5,143 |
| Cost of funding earning assets | 0.5504% | 6,512 |
| Net interest margin | 3.9846% | 2,979 |
| Noninterest income to average assets | 0.3599% | 4,990 |
| Noninterest expense to average assets | 2.9680% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0798% | 2,045 |
| Return on assets (ROA) | 1.0964% | 2,133 |
| Pretax return on assets | 1.0964% | 3,032 |
| Return on Equity (ROE) | 9.3863% | 2,432 |
| Retained earnings to average equity (ytd only) | -0.6162% | 6,086 |
| Net charge-offs to loans | -0.1350% | 7,213 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3242% | 3,311 |
| Assets per employee ($millions) | 2.7637% | 6,554 |
| Cash dividends to net income (ytd only)* | 106.5684% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6168% | 1,247 |
| Loan loss allowance to noncurrent loans | 775.0000% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 6,816 |
| Noncurrent loans to loans | 0.3376% | 6,174 |
| Net loans and leases to total assets | 27.8294% | 7,151 |
| Net loans and leases to deposits | 31.8121% | 7,180 |
| Net loans and leases to core deposits | 32.2569% | 7,196 |
| Total domestic deposits to total assets | 87.4804% | 2,363 |
| Equity capital to assets | 12.2864% | 2,031 |
| Core capital (leverage) ratio | 10.1464% | 3,249 |
| Tier 1 risk-based capital ratio | 29.2348% | 588 |
| Total risk-based capital ratio | 30.5024% | 573 |
| Memoranda: | ||
| Average total assets | $24,078,250 | 7,198 |
| Average earning assets | $22,285,500 | 7,169 |
| Average equity | $2,812,500 | 7,118 |
| Average total loans | $6,910,500 | 7,287 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 5,145 |
| Cost of funding earning assets | 0.5800% | 6,541 |
| Net interest margin | 3.9785% | 2,948 |
| Noninterest income to average assets | 0.3695% | 4,917 |
| Noninterest expense to average assets | 2.9227% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1338% | 1,778 |
| Return on assets (ROA) | 1.1590% | 1,770 |
| Pretax return on assets | 1.1590% | 2,644 |
| Return on Equity (ROE) | 10.1050% | 2,090 |
| Retained earnings to average equity (ytd only) | -3.5880% | 6,431 |
| Net charge-offs to loans | -0.1753% | 7,273 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0497% | 3,722 |
| Assets per employee ($millions) | 2.7168% | 6,617 |
| Cash dividends to net income (ytd only)* | 135.5072% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5802% | 1,335 |
| Loan loss allowance to noncurrent loans | 176.1905% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 6,071 |
| Noncurrent loans to loans | 1.4644% | 4,225 |
| Net loans and leases to total assets | 28.5673% | 7,228 |
| Net loans and leases to deposits | 32.4959% | 7,264 |
| Net loans and leases to core deposits | 32.9559% | 7,281 |
| Total domestic deposits to total assets | 87.9105% | 2,197 |
| Equity capital to assets | 11.8482% | 2,210 |
| Core capital (leverage) ratio | 10.3912% | 2,839 |
| Tier 1 risk-based capital ratio | 27.5702% | 693 |
| Total risk-based capital ratio | 28.8264% | 673 |
| Memoranda: | ||
| Average total assets | $23,813,330 | 7,271 |
| Average earning assets | $22,068,670 | 7,243 |
| Average equity | $2,731,330 | 7,197 |
| Average total loans | $6,844,670 | 7,361 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 5,048 |
| Cost of funding earning assets | 0.6016% | 6,610 |
| Net interest margin | 3.9742% | 2,806 |
| Noninterest income to average assets | 0.3575% | 5,040 |
| Noninterest expense to average assets | 2.9624% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1066% | 1,820 |
| Return on assets (ROA) | 1.1577% | 1,687 |
| Pretax return on assets | 1.1577% | 2,521 |
| Return on Equity (ROE) | 10.2700% | 2,001 |
| Retained earnings to average equity (ytd only) | -11.3272% | 6,919 |
| Net charge-offs to loans | -0.2993% | 7,339 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8033% | 3,713 |
| Assets per employee ($millions) | 2.6287% | 6,804 |
| Cash dividends to net income (ytd only)* | 210.2941% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6502% | 1,257 |
| Loan loss allowance to noncurrent loans | 557.5758% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 6,813 |
| Noncurrent loans to loans | 0.4753% | 6,070 |
| Net loans and leases to total assets | 28.5696% | 7,280 |
| Net loans and leases to deposits | 32.2456% | 7,316 |
| Net loans and leases to core deposits | 32.7265% | 7,341 |
| Total domestic deposits to total assets | 88.6001% | 2,017 |
| Equity capital to assets | 11.0703% | 2,620 |
| Core capital (leverage) ratio | 10.4135% | 2,689 |
| Tier 1 risk-based capital ratio | 27.9526% | 639 |
| Total risk-based capital ratio | 29.2160% | 625 |
| Memoranda: | ||
| Average total assets | $23,494,500 | 7,329 |
| Average earning assets | $21,941,500 | 7,296 |
| Average equity | $2,648,500 | 7,256 |
| Average total loans | $6,682,000 | 7,424 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 4,565 |
| Cost of funding earning assets | 0.8497% | 6,371 |
| Net interest margin | 4.1489% | 2,368 |
| Noninterest income to average assets | 0.3893% | 4,983 |
| Noninterest expense to average assets | 3.2828% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8867% | 2,442 |
| Return on assets (ROA) | 0.8867% | 2,575 |
| Pretax return on assets | 0.8867% | 3,346 |
| Return on Equity (ROE) | 7.5390% | 2,877 |
| Retained earnings to average equity (ytd only) | 0.2942% | 5,435 |
| Net charge-offs to loans | 0.1717% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 17.0833% | 1,176 |
| Efficiency ratio | 78.7344% | 2,571 |
| Assets per employee ($millions) | 2.5923% | 6,871 |
| Cash dividends to net income (ytd only)* | 96.0976% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7877% | 1,073 |
| Loan loss allowance to noncurrent loans | 617.2414% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 6,932 |
| Noncurrent loans to loans | 0.4516% | 6,138 |
| Net loans and leases to total assets | 26.7541% | 7,432 |
| Net loans and leases to deposits | 30.3083% | 7,454 |
| Net loans and leases to core deposits | 30.7685% | 7,463 |
| Total domestic deposits to total assets | 88.2731% | 2,082 |
| Equity capital to assets | 11.4783% | 2,277 |
| Core capital (leverage) ratio | 10.6570% | 2,406 |
| Tier 1 risk-based capital ratio | 26.4313% | 717 |
| Total risk-based capital ratio | 27.6840% | 700 |
| Memoranda: | ||
| Average total assets | $23,120,400 | 7,392 |
| Average earning assets | $21,065,800 | 7,374 |
| Average equity | $2,719,200 | 7,349 |
| Average total loans | $6,988,400 | 7,500 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 4,250 |
| Cost of funding earning assets | 0.9001% | 6,390 |
| Net interest margin | 4.2131% | 2,178 |
| Noninterest income to average assets | 0.3699% | 5,197 |
| Noninterest expense to average assets | 3.0980% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0866% | 1,936 |
| Return on assets (ROA) | 1.0866% | 2,046 |
| Pretax return on assets | 1.0866% | 2,868 |
| Return on Equity (ROE) | 9.1834% | 2,428 |
| Retained earnings to average equity (ytd only) | -0.4884% | 5,911 |
| Net charge-offs to loans | 0.1309% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 26.8660% | 947 |
| Efficiency ratio | 74.0331% | 3,323 |
| Assets per employee ($millions) | 2.5912% | 6,956 |
| Cash dividends to net income (ytd only)* | 105.3180% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6133% | 1,189 |
| Loan loss allowance to noncurrent loans | 800.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 7,109 |
| Noncurrent loans to loans | 0.3267% | 6,539 |
| Net loans and leases to total assets | 29.4027% | 7,482 |
| Net loans and leases to deposits | 33.7750% | 7,522 |
| Net loans and leases to core deposits | 33.7750% | 7,537 |
| Total domestic deposits to total assets | 87.0546% | 2,498 |
| Equity capital to assets | 12.6110% | 1,804 |
| Core capital (leverage) ratio | 10.7915% | 2,422 |
| Tier 1 risk-based capital ratio | 25.3752% | 832 |
| Total risk-based capital ratio | 26.6360% | 811 |
| Memoranda: | ||
| Average total assets | $23,067,750 | 7,489 |
| Average earning assets | $20,887,000 | 7,472 |
| Average equity | $2,729,500 | 7,443 |
| Average total loans | $7,130,250 | 7,591 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1297% | 4,301 |
| Cost of funding earning assets | 0.9422% | 6,416 |
| Net interest margin | 4.1876% | 2,192 |
| Noninterest income to average assets | 0.4090% | 4,834 |
| Noninterest expense to average assets | 3.2023% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0355% | 2,061 |
| Return on assets (ROA) | 1.0355% | 2,139 |
| Pretax return on assets | 1.0355% | 2,991 |
| Return on Equity (ROE) | 8.9507% | 2,489 |
| Retained earnings to average equity (ytd only) | -3.6104% | 6,391 |
| Net charge-offs to loans | -0.0838% | 7,529 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5647% | 3,151 |
| Assets per employee ($millions) | 2.5448% | 7,040 |
| Cash dividends to net income (ytd only)* | 140.3361% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5972% | 1,194 |
| Loan loss allowance to noncurrent loans | 812.5000% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 7,128 |
| Noncurrent loans to loans | 0.3197% | 6,585 |
| Net loans and leases to total assets | 31.9303% | 7,487 |
| Net loans and leases to deposits | 36.4811% | 7,526 |
| Net loans and leases to core deposits | 37.0504% | 7,548 |
| Total domestic deposits to total assets | 87.5257% | 2,244 |
| Equity capital to assets | 12.0901% | 2,051 |
| Core capital (leverage) ratio | 10.9672% | 2,266 |
| Tier 1 risk-based capital ratio | 24.6643% | 876 |
| Total risk-based capital ratio | 25.9182% | 859 |
| Memoranda: | ||
| Average total assets | $22,983,330 | 7,556 |
| Average earning assets | $21,014,670 | 7,530 |
| Average equity | $2,659,000 | 7,513 |
| Average total loans | $7,160,000 | 7,655 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 4,402 |
| Cost of funding earning assets | 0.9878% | 6,430 |
| Net interest margin | 4.1411% | 2,262 |
| Noninterest income to average assets | 0.3822% | 5,074 |
| Noninterest expense to average assets | 3.3878% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7818% | 3,048 |
| Return on assets (ROA) | 0.7818% | 3,162 |
| Pretax return on assets | 0.7818% | 3,945 |
| Return on Equity (ROE) | 6.9124% | 3,391 |
| Retained earnings to average equity (ytd only) | -13.9785% | 7,173 |
| Net charge-offs to loans | -0.0573% | 7,381 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2500% | 2,379 |
| Assets per employee ($millions) | 2.2483% | 7,502 |
| Cash dividends to net income (ytd only)* | 302.2222% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5999% | 1,178 |
| Loan loss allowance to noncurrent loans | 619.3548% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 7,138 |
| Noncurrent loans to loans | 0.4198% | 6,456 |
| Net loans and leases to total assets | 31.9931% | 7,566 |
| Net loans and leases to deposits | 36.3283% | 7,614 |
| Net loans and leases to core deposits | 36.8872% | 7,640 |
| Total domestic deposits to total assets | 88.0665% | 2,022 |
| Equity capital to assets | 11.4887% | 2,374 |
| Core capital (leverage) ratio | 10.6394% | 2,506 |
| Tier 1 risk-based capital ratio | 25.2857% | 836 |
| Total risk-based capital ratio | 26.5417% | 812 |
| Memoranda: | ||
| Average total assets | $23,023,500 | 7,650 |
| Average earning assets | $21,057,000 | 7,626 |
| Average equity | $2,604,000 | 7,606 |
| Average total loans | $6,986,000 | 7,759 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 4,429 |
| Cost of funding earning assets | 1.1047% | 6,961 |
| Net interest margin | 4.3472% | 1,581 |
| Noninterest income to average assets | 0.4038% | 5,171 |
| Noninterest expense to average assets | 3.6608% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7506% | 2,719 |
| Return on assets (ROA) | 0.9262% | 2,152 |
| Pretax return on assets | 0.9262% | 2,840 |
| Return on Equity (ROE) | 7.9779% | 2,382 |
| Retained earnings to average equity (ytd only) | -0.0378% | 4,939 |
| Net charge-offs to loans | 0.6068% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 4.0714% | 3,079 |
| Efficiency ratio | 82.9851% | 2,479 |
| Assets per employee ($millions) | 2.3564% | 7,399 |
| Cash dividends to net income (ytd only)* | 100.4739% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8997% | 844 |
| Loan loss allowance to noncurrent loans | 502.6316% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 7,071 |
| Noncurrent loans to loans | 0.5769% | 6,089 |
| Net loans and leases to total assets | 27.1431% | 7,766 |
| Net loans and leases to deposits | 30.6689% | 7,802 |
| Net loans and leases to core deposits | 33.1812% | 7,844 |
| Total domestic deposits to total assets | 88.5036% | 1,725 |
| Equity capital to assets | 11.1399% | 2,594 |
| Core capital (leverage) ratio | 10.5874% | 2,516 |
| Tier 1 risk-based capital ratio | 27.0497% | 700 |
| Total risk-based capital ratio | 28.3029% | 683 |
| Memoranda: | ||
| Average total assets | $22,781,800 | 7,710 |
| Average earning assets | $21,002,000 | 7,678 |
| Average equity | $2,644,800 | 7,691 |
| Average total loans | $6,921,400 | 7,829 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4861% | 4,491 |
| Cost of funding earning assets | 1.1214% | 7,127 |
| Net interest margin | 4.3646% | 1,547 |
| Noninterest income to average assets | 0.4250% | 5,090 |
| Noninterest expense to average assets | 3.2704% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1983% | 1,468 |
| Return on assets (ROA) | 1.3400% | 1,203 |
| Pretax return on assets | 1.3400% | 1,849 |
| Return on Equity (ROE) | 11.4222% | 1,505 |
| Retained earnings to average equity (ytd only) | 0.7548% | 4,864 |
| Net charge-offs to loans | 0.0761% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 50.7805% | 624 |
| Efficiency ratio | 73.1836% | 4,019 |
| Assets per employee ($millions) | 2.3452% | 7,448 |
| Cash dividends to net income (ytd only)* | 93.3919% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3212% | 495 |
| Loan loss allowance to noncurrent loans | 916.0000% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 7,283 |
| Noncurrent loans to loans | 0.3626% | 6,624 |
| Net loans and leases to total assets | 28.4240% | 7,839 |
| Net loans and leases to deposits | 32.4080% | 7,881 |
| Net loans and leases to core deposits | 34.7368% | 7,910 |
| Total domestic deposits to total assets | 87.7068% | 1,799 |
| Equity capital to assets | 11.8838% | 2,301 |
| Core capital (leverage) ratio | 10.8850% | 2,494 |
| Tier 1 risk-based capital ratio | 26.2931% | 803 |
| Total risk-based capital ratio | 27.5554% | 781 |
| Memoranda: | ||
| Average total assets | $22,586,250 | 7,784 |
| Average earning assets | $20,925,250 | 7,756 |
| Average equity | $2,649,750 | 7,763 |
| Average total loans | $7,005,000 | 7,902 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 4,195 |
| Cost of funding earning assets | 1.1554% | 7,229 |
| Net interest margin | 4.4178% | 1,370 |
| Noninterest income to average assets | 0.4395% | 4,934 |
| Noninterest expense to average assets | 3.3995% | 2,632 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1212% | 1,697 |
| Return on assets (ROA) | 1.3365% | 1,217 |
| Pretax return on assets | 1.3365% | 1,912 |
| Return on Equity (ROE) | 11.4439% | 1,573 |
| Retained earnings to average equity (ytd only) | -3.2258% | 6,005 |
| Net charge-offs to loans | 0.1420% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,136 |
| Efficiency ratio | 75.1984% | 3,845 |
| Assets per employee ($millions) | 2.2914% | 7,567 |
| Cash dividends to net income (ytd only)* | 128.1879% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2244% | 476 |
| Loan loss allowance to noncurrent loans | 950.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 7,316 |
| Noncurrent loans to loans | 0.3394% | 6,665 |
| Net loans and leases to total assets | 29.8638% | 7,887 |
| Net loans and leases to deposits | 33.9165% | 7,939 |
| Net loans and leases to core deposits | 36.0082% | 7,978 |
| Total domestic deposits to total assets | 88.0510% | 1,738 |
| Equity capital to assets | 11.5126% | 2,532 |
| Core capital (leverage) ratio | 10.9542% | 2,443 |
| Tier 1 risk-based capital ratio | 26.6008% | 807 |
| Total risk-based capital ratio | 27.8645% | 785 |
| Memoranda: | ||
| Average total assets | $22,297,670 | 7,868 |
| Average earning assets | $20,598,670 | 7,842 |
| Average equity | $2,604,000 | 7,857 |
| Average total loans | $7,041,670 | 7,993 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7146% | 3,723 |
| Cost of funding earning assets | 1.1979% | 7,301 |
| Net interest margin | 4.5167% | 1,093 |
| Noninterest income to average assets | 0.3820% | 5,366 |
| Noninterest expense to average assets | 3.2925% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2733% | 1,448 |
| Return on assets (ROA) | 1.4007% | 1,226 |
| Pretax return on assets | 1.4007% | 1,966 |
| Return on Equity (ROE) | 11.9057% | 1,692 |
| Retained earnings to average equity (ytd only) | -9.5864% | 7,067 |
| Net charge-offs to loans | 0.3985% | 2,500 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,989 |
| Efficiency ratio | 72.1116% | 4,174 |
| Assets per employee ($millions) | 2.1839% | 7,739 |
| Cash dividends to net income (ytd only)* | 180.5195% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2654% | 388 |
| Loan loss allowance to noncurrent loans | 2,511.1111% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 7,487 |
| Noncurrent loans to loans | 0.1300% | 7,146 |
| Net loans and leases to total assets | 30.6562% | 7,903 |
| Net loans and leases to deposits | 34.9043% | 7,966 |
| Net loans and leases to core deposits | 37.2752% | 8,013 |
| Total domestic deposits to total assets | 87.8291% | 1,831 |
| Equity capital to assets | 11.6855% | 2,458 |
| Core capital (leverage) ratio | 10.9781% | 2,515 |
| Tier 1 risk-based capital ratio | 26.8467% | 828 |
| Total risk-based capital ratio | 28.1102% | 811 |
| Memoranda: | ||
| Average total assets | $21,989,500 | 7,928 |
| Average earning assets | $20,369,000 | 7,893 |
| Average equity | $2,587,000 | 7,911 |
| Average total loans | $7,027,000 | 8,033 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7641% | 6,543 |
| Cost of funding earning assets | 1.4984% | 7,614 |
| Net interest margin | 4.2657% | 2,080 |
| Noninterest income to average assets | 0.4769% | 4,823 |
| Noninterest expense to average assets | 3.5002% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9088% | 2,962 |
| Return on assets (ROA) | 0.9673% | 2,586 |
| Pretax return on assets | 0.9673% | 3,491 |
| Return on Equity (ROE) | 8.5596% | 2,808 |
| Retained earnings to average equity (ytd only) | 1.6721% | 4,215 |
| Net charge-offs to loans | -0.0259% | 7,955 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3878% | 2,686 |
| Assets per employee ($millions) | 2.2140% | 7,688 |
| Cash dividends to net income (ytd only)* | 80.4651% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2665% | 346 |
| Loan loss allowance to noncurrent loans | 1,059.0909% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 7,182 |
| Noncurrent loans to loans | 0.3084% | 6,457 |
| Net loans and leases to total assets | 31.1653% | 7,963 |
| Net loans and leases to deposits | 35.5487% | 8,035 |
| Net loans and leases to core deposits | 38.3504% | 8,078 |
| Total domestic deposits to total assets | 87.6694% | 1,627 |
| Equity capital to assets | 11.8428% | 2,391 |
| Core capital (leverage) ratio | 11.1383% | 2,474 |
| Tier 1 risk-based capital ratio | 26.7198% | 844 |
| Total risk-based capital ratio | 27.9887% | 826 |
| Memoranda: | ||
| Average total assets | $22,227,000 | 7,936 |
| Average earning assets | $20,489,000 | 7,915 |
| Average equity | $2,511,800 | 7,981 |
| Average total loans | $7,720,000 | 8,044 |