Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 2,249 |
| Cost of funding earning assets | 0.7125% | 752 |
| Net interest margin | 3.5584% | 3,264 |
| Noninterest income to average assets | 0.1770% | 5,437 |
| Noninterest expense to average assets | 2.6749% | 3,468 |
| Loan and lease loss provision to assets | 0.0804% | 2,530 |
| Net operating income to assets | 0.4706% | 4,799 |
| Return on assets (ROA) | 0.4706% | 4,889 |
| Pretax return on assets | 0.7763% | 4,366 |
| Return on Equity (ROE) | 4.9552% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.9552% | 2,769 |
| Net charge-offs to loans | 0.0136% | 3,269 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 539 |
| Efficiency ratio | 75.7403% | 2,116 |
| Assets per employee ($millions) | 3.7098% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 5,246 |
| Loan loss allowance to noncurrent loans | 199.1736% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 4,492 |
| Noncurrent loans to loans | 0.4081% | 3,892 |
| Net loans and leases to total assets | 60.9804% | 3,753 |
| Net loans and leases to deposits | 67.8815% | 4,192 |
| Net loans and leases to core deposits | 71.5791% | 4,217 |
| Total domestic deposits to total assets | 89.8335% | 553 |
| Equity capital to assets | 9.9654% | 4,271 |
| Core capital (leverage) ratio | 9.5986% | 4,074 |
| Tier 1 risk-based capital ratio | 13.9268% | 3,644 |
| Total risk-based capital ratio | 14.6252% | 3,889 |
| Memoranda: | ||
| Average total assets | $49,721,670 | 5,469 |
| Average earning assets | $46,874,670 | 5,427 |
| Average equity | $4,722,330 | 5,633 |
| Average total loans | $29,396,330 | 5,314 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 2,836 |
| Cost of funding earning assets | 0.7090% | 776 |
| Net interest margin | 3.3929% | 3,898 |
| Noninterest income to average assets | 0.1585% | 5,540 |
| Noninterest expense to average assets | 2.5045% | 4,057 |
| Loan and lease loss provision to assets | 0.1585% | 1,319 |
| Net operating income to assets | 0.3963% | 5,007 |
| Return on assets (ROA) | 0.3963% | 5,083 |
| Pretax return on assets | 0.6816% | 4,585 |
| Return on Equity (ROE) | 4.2730% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.2730% | 3,342 |
| Net charge-offs to loans | -0.0137% | 4,669 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8815% | 2,342 |
| Assets per employee ($millions) | 3.8989% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 5,322 |
| Loan loss allowance to noncurrent loans | 103.3898% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 3,731 |
| Noncurrent loans to loans | 0.7900% | 2,857 |
| Net loans and leases to total assets | 58.4580% | 3,991 |
| Net loans and leases to deposits | 64.5942% | 4,383 |
| Net loans and leases to core deposits | 67.8933% | 4,411 |
| Total domestic deposits to total assets | 90.5003% | 432 |
| Equity capital to assets | 9.2945% | 4,892 |
| Core capital (leverage) ratio | 9.2893% | 4,507 |
| Tier 1 risk-based capital ratio | 13.9925% | 3,703 |
| Total risk-based capital ratio | 14.7172% | 3,925 |
| Memoranda: | ||
| Average total assets | $50,469,000 | 5,500 |
| Average earning assets | $47,393,500 | 5,463 |
| Average equity | $4,680,500 | 5,686 |
| Average total loans | $29,269,500 | 5,365 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 2,981 |
| Cost of funding earning assets | 0.6620% | 1,008 |
| Net interest margin | 3.4226% | 3,825 |
| Noninterest income to average assets | 0.1019% | 5,870 |
| Noninterest expense to average assets | 2.5976% | 3,931 |
| Loan and lease loss provision to assets | 0.0360% | 3,628 |
| Net operating income to assets | 0.4756% | 4,789 |
| Return on assets (ROA) | 0.4756% | 4,867 |
| Pretax return on assets | 0.6814% | 4,581 |
| Return on Equity (ROE) | 5.2079% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2079% | 2,270 |
| Net charge-offs to loans | 0.0592% | 3,037 |
| Credit loss provision to net charge-offs | 105.8824% | 2,373 |
| Earnings coverage of net charge-offs (x) | 21.1176% | 1,831 |
| Efficiency ratio | 78.3605% | 1,912 |
| Assets per employee ($millions) | 4.1877% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 5,467 |
| Loan loss allowance to noncurrent loans | 101.8265% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 3,871 |
| Noncurrent loans to loans | 0.7640% | 2,889 |
| Net loans and leases to total assets | 56.5987% | 4,243 |
| Net loans and leases to deposits | 62.5869% | 4,588 |
| Net loans and leases to core deposits | 65.4215% | 4,637 |
| Total domestic deposits to total assets | 90.4322% | 456 |
| Equity capital to assets | 9.2534% | 4,844 |
| Core capital (leverage) ratio | 9.1171% | 4,730 |
| Tier 1 risk-based capital ratio | 14.3887% | 3,500 |
| Total risk-based capital ratio | 15.0788% | 3,739 |
| Memoranda: | ||
| Average total assets | $50,046,000 | 5,537 |
| Average earning assets | $46,981,200 | 5,500 |
| Average equity | $4,570,000 | 5,749 |
| Average total loans | $28,707,000 | 5,415 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 3,252 |
| Cost of funding earning assets | 0.6418% | 1,140 |
| Net interest margin | 3.3795% | 4,035 |
| Noninterest income to average assets | 0.0720% | 6,038 |
| Noninterest expense to average assets | 2.5389% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4747% | 4,875 |
| Return on assets (ROA) | 0.4747% | 4,978 |
| Pretax return on assets | 0.7067% | 4,663 |
| Return on Equity (ROE) | 5.2160% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.2160% | 2,767 |
| Net charge-offs to loans | 0.0743% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.5645% | 2,109 |
| Efficiency ratio | 78.2251% | 1,917 |
| Assets per employee ($millions) | 4.1852% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 5,811 |
| Loan loss allowance to noncurrent loans | 92.7928% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 4,015 |
| Noncurrent loans to loans | 0.7053% | 3,217 |
| Net loans and leases to total assets | 62.2655% | 3,568 |
| Net loans and leases to deposits | 68.8394% | 4,109 |
| Net loans and leases to core deposits | 70.7249% | 4,306 |
| Total domestic deposits to total assets | 90.4504% | 401 |
| Equity capital to assets | 9.2390% | 5,069 |
| Core capital (leverage) ratio | 9.3701% | 4,481 |
| Tier 1 risk-based capital ratio | 13.6744% | 4,038 |
| Total risk-based capital ratio | 14.2815% | 4,332 |
| Memoranda: | ||
| Average total assets | $49,994,500 | 5,611 |
| Average earning assets | $46,949,000 | 5,570 |
| Average equity | $4,550,000 | 5,829 |
| Average total loans | $28,717,500 | 5,483 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 3,815 |
| Cost of funding earning assets | 0.6370% | 1,186 |
| Net interest margin | 3.2277% | 4,571 |
| Noninterest income to average assets | 0.0240% | 6,222 |
| Noninterest expense to average assets | 2.5121% | 4,203 |
| Loan and lease loss provision to assets | -0.1002% | 6,086 |
| Net operating income to assets | 0.4808% | 4,849 |
| Return on assets (ROA) | 0.4808% | 4,952 |
| Pretax return on assets | 0.6370% | 4,871 |
| Return on Equity (ROE) | 5.3097% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.3097% | 2,665 |
| Net charge-offs to loans | 0.0935% | 2,093 |
| Credit loss provision to net charge-offs | -192.3077% | 5,028 |
| Earnings coverage of net charge-offs (x) | 10.3077% | 2,371 |
| Efficiency ratio | 82.3916% | 1,437 |
| Assets per employee ($millions) | 4.1073% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 5,928 |
| Loan loss allowance to noncurrent loans | 2,044.4444% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 5,823 |
| Noncurrent loans to loans | 0.0308% | 5,629 |
| Net loans and leases to total assets | 58.9312% | 3,989 |
| Net loans and leases to deposits | 65.1241% | 4,426 |
| Net loans and leases to core deposits | 66.4516% | 4,613 |
| Total domestic deposits to total assets | 90.4906% | 455 |
| Equity capital to assets | 9.2883% | 4,908 |
| Core capital (leverage) ratio | 9.3098% | 4,533 |
| Tier 1 risk-based capital ratio | 13.0146% | 4,512 |
| Total risk-based capital ratio | 13.5376% | 4,847 |
| Memoranda: | ||
| Average total assets | $49,918,670 | 5,670 |
| Average earning assets | $46,782,670 | 5,639 |
| Average equity | $4,520,000 | 5,891 |
| Average total loans | $27,797,670 | 5,566 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 4,130 |
| Cost of funding earning assets | 0.6327% | 1,217 |
| Net interest margin | 3.1377% | 4,827 |
| Noninterest income to average assets | 0.1672% | 5,726 |
| Noninterest expense to average assets | 2.6118% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3344% | 5,300 |
| Return on assets (ROA) | 0.3344% | 5,409 |
| Pretax return on assets | 0.4778% | 5,235 |
| Return on Equity (ROE) | 3.7408% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.7408% | 3,764 |
| Net charge-offs to loans | 0.0295% | 2,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,150 |
| Efficiency ratio | 84.5361% | 1,314 |
| Assets per employee ($millions) | 4.1614% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 5,312 |
| Loan loss allowance to noncurrent loans | 431.3725% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 2,485 |
| Noncurrent loans to loans | 0.2169% | 5,001 |
| Net loans and leases to total assets | 46.6448% | 5,148 |
| Net loans and leases to deposits | 51.3763% | 5,368 |
| Net loans and leases to core deposits | 52.4039% | 5,461 |
| Total domestic deposits to total assets | 90.7904% | 443 |
| Equity capital to assets | 9.0514% | 5,228 |
| Core capital (leverage) ratio | 8.9161% | 5,057 |
| Tier 1 risk-based capital ratio | 11.7322% | 5,419 |
| Total risk-based capital ratio | 12.3055% | 5,701 |
| Memoranda: | ||
| Average total assets | $50,234,000 | 5,717 |
| Average earning assets | $46,786,500 | 5,686 |
| Average equity | $4,491,000 | 5,949 |
| Average total loans | $27,081,500 | 5,638 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 5,039 |
| Cost of funding earning assets | 0.6591% | 1,344 |
| Net interest margin | 2.9575% | 5,536 |
| Noninterest income to average assets | 0.1875% | 5,734 |
| Noninterest expense to average assets | 2.7680% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1371% | 5,900 |
| Return on assets (ROA) | 0.1371% | 5,946 |
| Pretax return on assets | 0.1693% | 5,915 |
| Return on Equity (ROE) | 1.5581% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.5581% | 5,051 |
| Net charge-offs to loans | 0.0401% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,765 |
| Efficiency ratio | 94.2347% | 584 |
| Assets per employee ($millions) | 3.3687% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 5,943 |
| Loan loss allowance to noncurrent loans | 634.2857% | 884 |
| Noncurrent assets plus other real estate owned to assets | 1.0212% | 2,698 |
| Noncurrent loans to loans | 0.1142% | 5,435 |
| Net loans and leases to total assets | 60.2165% | 3,759 |
| Net loans and leases to deposits | 68.9977% | 4,029 |
| Net loans and leases to core deposits | 70.4140% | 4,291 |
| Total domestic deposits to total assets | 87.2732% | 2,137 |
| Equity capital to assets | 8.8302% | 5,451 |
| Core capital (leverage) ratio | 8.8752% | 5,152 |
| Tier 1 risk-based capital ratio | 12.5084% | 5,034 |
| Total risk-based capital ratio | 13.1307% | 5,350 |
| Memoranda: | ||
| Average total assets | $49,602,000 | 5,796 |
| Average earning assets | $46,120,800 | 5,770 |
| Average equity | $4,364,200 | 6,019 |
| Average total loans | $22,471,200 | 5,876 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 5,377 |
| Cost of funding earning assets | 0.6583% | 1,401 |
| Net interest margin | 2.8507% | 5,789 |
| Noninterest income to average assets | 0.1728% | 5,886 |
| Noninterest expense to average assets | 2.7763% | 3,556 |
| Loan and lease loss provision to assets | 0.0891% | 2,573 |
| Net operating income to assets | -0.0378% | 6,171 |
| Return on assets (ROA) | -0.0378% | 6,180 |
| Pretax return on assets | -0.0378% | 6,167 |
| Return on Equity (ROE) | -0.4302% | 6,185 |
| Retained earnings to average equity (ytd only) | -0.4302% | 5,865 |
| Net charge-offs to loans | 0.0587% | 3,374 |
| Credit loss provision to net charge-offs | 366.6667% | 767 |
| Earnings coverage of net charge-offs (x) | 2.1108% | 3,990 |
| Efficiency ratio | 98.1853% | 427 |
| Assets per employee ($millions) | 3.1321% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 4,795 |
| Loan loss allowance to noncurrent loans | 101.5936% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.5581% | 1,966 |
| Noncurrent loans to loans | 1.0727% | 2,927 |
| Net loans and leases to total assets | 49.2625% | 5,081 |
| Net loans and leases to deposits | 54.4091% | 5,350 |
| Net loans and leases to core deposits | 55.5652% | 5,472 |
| Total domestic deposits to total assets | 90.5409% | 511 |
| Equity capital to assets | 9.3144% | 5,022 |
| Core capital (leverage) ratio | 9.2072% | 4,779 |
| Tier 1 risk-based capital ratio | 14.6698% | 3,776 |
| Total risk-based capital ratio | 15.5246% | 3,962 |
| Memoranda: | ||
| Average total assets | $49,369,750 | 5,864 |
| Average earning assets | $45,976,000 | 5,839 |
| Average equity | $4,339,750 | 6,086 |
| Average total loans | $20,426,500 | 6,006 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 5,782 |
| Cost of funding earning assets | 0.6507% | 1,511 |
| Net interest margin | 2.6541% | 6,108 |
| Noninterest income to average assets | 0.1595% | 5,998 |
| Noninterest expense to average assets | 2.7469% | 3,710 |
| Loan and lease loss provision to assets | 0.1316% | 1,882 |
| Net operating income to assets | -0.1834% | 6,310 |
| Return on assets (ROA) | -0.1834% | 6,318 |
| Pretax return on assets | -0.2472% | 6,335 |
| Return on Equity (ROE) | -2.1259% | 6,338 |
| Retained earnings to average equity (ytd only) | -2.1259% | 6,008 |
| Net charge-offs to loans | 0.0926% | 2,759 |
| Credit loss provision to net charge-offs | 366.6667% | 741 |
| Earnings coverage of net charge-offs (x) | -3.2222% | 4,271 |
| Efficiency ratio | 104.3939% | 315 |
| Assets per employee ($millions) | 3.7436% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 4,591 |
| Loan loss allowance to noncurrent loans | 579.5455% | 813 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 2,908 |
| Noncurrent loans to loans | 0.2009% | 5,412 |
| Net loans and leases to total assets | 44.4716% | 5,501 |
| Net loans and leases to deposits | 48.9329% | 5,709 |
| Net loans and leases to core deposits | 49.9296% | 5,797 |
| Total domestic deposits to total assets | 90.8829% | 447 |
| Equity capital to assets | 8.9424% | 5,369 |
| Core capital (leverage) ratio | 9.0223% | 4,987 |
| Tier 1 risk-based capital ratio | 15.0531% | 3,605 |
| Total risk-based capital ratio | 15.9351% | 3,769 |
| Memoranda: | ||
| Average total assets | $50,166,000 | 5,900 |
| Average earning assets | $46,719,330 | 5,869 |
| Average equity | $4,327,670 | 6,128 |
| Average total loans | $19,435,670 | 6,100 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2335% | 5,962 |
| Cost of funding earning assets | 0.6501% | 1,579 |
| Net interest margin | 2.5834% | 6,259 |
| Noninterest income to average assets | 0.1336% | 6,182 |
| Noninterest expense to average assets | 2.5925% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0393% | 6,241 |
| Return on assets (ROA) | -0.0393% | 6,248 |
| Pretax return on assets | -0.0550% | 6,250 |
| Return on Equity (ROE) | -0.4634% | 6,256 |
| Retained earnings to average equity (ytd only) | -0.4634% | 5,638 |
| Net charge-offs to loans | -0.0659% | 5,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1672% | 424 |
| Assets per employee ($millions) | 3.3327% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,899 |
| Loan loss allowance to noncurrent loans | 425.4545% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 3,048 |
| Noncurrent loans to loans | 0.3152% | 5,159 |
| Net loans and leases to total assets | 34.4329% | 6,157 |
| Net loans and leases to deposits | 37.8009% | 6,258 |
| Net loans and leases to core deposits | 38.5466% | 6,292 |
| Total domestic deposits to total assets | 91.0902% | 540 |
| Equity capital to assets | 8.7578% | 5,381 |
| Core capital (leverage) ratio | 8.5833% | 5,543 |
| Tier 1 risk-based capital ratio | 16.8378% | 2,764 |
| Total risk-based capital ratio | 17.7378% | 2,876 |
| Memoranda: | ||
| Average total assets | $50,915,500 | 5,942 |
| Average earning assets | $47,379,500 | 5,907 |
| Average equity | $4,315,500 | 6,177 |
| Average total loans | $18,204,500 | 6,210 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 5,856 |
| Cost of funding earning assets | 0.8153% | 1,122 |
| Net interest margin | 2.5758% | 6,291 |
| Noninterest income to average assets | 0.1558% | 6,157 |
| Noninterest expense to average assets | 2.0310% | 5,971 |
| Loan and lease loss provision to assets | 0.0946% | 3,230 |
| Net operating income to assets | 0.3076% | 5,497 |
| Return on assets (ROA) | 0.3076% | 5,591 |
| Pretax return on assets | 0.4535% | 5,349 |
| Return on Equity (ROE) | 3.7522% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.7522% | 3,546 |
| Net charge-offs to loans | 0.3521% | 1,920 |
| Credit loss provision to net charge-offs | 68.5714% | 3,345 |
| Earnings coverage of net charge-offs (x) | 3.9714% | 3,708 |
| Efficiency ratio | 78.7462% | 2,353 |
| Assets per employee ($millions) | 4.7128% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,546 |
| Loan loss allowance to noncurrent loans | 513.3333% | 946 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 3,393 |
| Noncurrent loans to loans | 0.2373% | 5,470 |
| Net loans and leases to total assets | 36.1316% | 6,195 |
| Net loans and leases to deposits | 39.4187% | 6,324 |
| Net loans and leases to core deposits | 40.1643% | 6,357 |
| Total domestic deposits to total assets | 91.6610% | 363 |
| Equity capital to assets | 8.2039% | 5,869 |
| Core capital (leverage) ratio | 8.3543% | 5,820 |
| Tier 1 risk-based capital ratio | 15.3893% | 3,436 |
| Total risk-based capital ratio | 16.2252% | 3,627 |
| Memoranda: | ||
| Average total assets | $50,713,400 | 6,001 |
| Average earning assets | $47,713,600 | 5,941 |
| Average equity | $4,157,600 | 6,295 |
| Average total loans | $19,881,200 | 6,207 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 5,854 |
| Cost of funding earning assets | 0.8652% | 970 |
| Net interest margin | 2.5508% | 6,380 |
| Noninterest income to average assets | 0.1480% | 6,292 |
| Noninterest expense to average assets | 2.0013% | 6,009 |
| Loan and lease loss provision to assets | 0.3437% | 944 |
| Net operating income to assets | 0.0397% | 6,233 |
| Return on assets (ROA) | 0.0397% | 6,288 |
| Pretax return on assets | 0.2115% | 6,021 |
| Return on Equity (ROE) | 0.4838% | 6,273 |
| Retained earnings to average equity (ytd only) | 0.4838% | 5,774 |
| Net charge-offs to loans | 0.2254% | 2,460 |
| Credit loss provision to net charge-offs | 382.3529% | 694 |
| Earnings coverage of net charge-offs (x) | 6.1767% | 3,026 |
| Efficiency ratio | 78.2834% | 2,377 |
| Assets per employee ($millions) | 4.5621% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 2,586 |
| Loan loss allowance to noncurrent loans | 47.4830% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 2,745 |
| Noncurrent loans to loans | 3.6081% | 1,041 |
| Net loans and leases to total assets | 39.8980% | 6,041 |
| Net loans and leases to deposits | 43.5564% | 6,229 |
| Net loans and leases to core deposits | 44.6680% | 6,264 |
| Total domestic deposits to total assets | 91.6007% | 343 |
| Equity capital to assets | 8.2339% | 5,973 |
| Core capital (leverage) ratio | 8.1472% | 6,110 |
| Tier 1 risk-based capital ratio | 14.8874% | 3,822 |
| Total risk-based capital ratio | 16.1376% | 3,774 |
| Memoranda: | ||
| Average total assets | $50,431,500 | 6,075 |
| Average earning assets | $47,618,500 | 6,016 |
| Average equity | $4,133,750 | 6,370 |
| Average total loans | $20,111,000 | 6,262 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3883% | 5,934 |
| Cost of funding earning assets | 0.8954% | 918 |
| Net interest margin | 2.4929% | 6,459 |
| Noninterest income to average assets | 0.1584% | 6,260 |
| Noninterest expense to average assets | 1.9084% | 6,205 |
| Loan and lease loss provision to assets | 0.7523% | 291 |
| Net operating income to assets | -0.3009% | 6,548 |
| Return on assets (ROA) | -0.3009% | 6,580 |
| Pretax return on assets | -0.1544% | 6,464 |
| Return on Equity (ROE) | -3.6765% | 6,605 |
| Retained earnings to average equity (ytd only) | -3.6765% | 6,368 |
| Net charge-offs to loans | 0.5793% | 1,140 |
| Credit loss provision to net charge-offs | 327.5862% | 796 |
| Earnings coverage of net charge-offs (x) | 2.6034% | 3,654 |
| Efficiency ratio | 76.1453% | 2,764 |
| Assets per employee ($millions) | 5.0409% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 2,292 |
| Loan loss allowance to noncurrent loans | 43.0168% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 1.7755% | 2,445 |
| Noncurrent loans to loans | 4.2778% | 859 |
| Net loans and leases to total assets | 40.7407% | 5,993 |
| Net loans and leases to deposits | 44.5112% | 6,198 |
| Net loans and leases to core deposits | 45.3866% | 6,262 |
| Total domestic deposits to total assets | 91.5293% | 368 |
| Equity capital to assets | 8.1235% | 6,116 |
| Core capital (leverage) ratio | 7.9787% | 6,200 |
| Tier 1 risk-based capital ratio | 14.7424% | 3,949 |
| Total risk-based capital ratio | 15.9952% | 3,912 |
| Memoranda: | ||
| Average total assets | $50,514,330 | 6,118 |
| Average earning assets | $47,576,000 | 6,050 |
| Average equity | $4,134,330 | 6,421 |
| Average total loans | $20,024,330 | 6,301 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4148% | 5,910 |
| Cost of funding earning assets | 0.9213% | 887 |
| Net interest margin | 2.4935% | 6,520 |
| Noninterest income to average assets | 0.1582% | 6,316 |
| Noninterest expense to average assets | 1.8431% | 6,377 |
| Loan and lease loss provision to assets | -0.0791% | 6,820 |
| Net operating income to assets | 0.5063% | 4,625 |
| Return on assets (ROA) | 0.5063% | 4,773 |
| Pretax return on assets | 0.7277% | 4,452 |
| Return on Equity (ROE) | 6.1627% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.1627% | 2,592 |
| Net charge-offs to loans | 0.0409% | 3,463 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 775 |
| Efficiency ratio | 73.9683% | 3,269 |
| Assets per employee ($millions) | 5.2162% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 4,521 |
| Loan loss allowance to noncurrent loans | 2,008.3333% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 6,546 |
| Noncurrent loans to loans | 0.0666% | 6,278 |
| Net loans and leases to total assets | 34.0669% | 6,415 |
| Net loans and leases to deposits | 37.1563% | 6,535 |
| Net loans and leases to core deposits | 37.8593% | 6,565 |
| Total domestic deposits to total assets | 91.6855% | 312 |
| Equity capital to assets | 8.1209% | 6,316 |
| Core capital (leverage) ratio | 8.3052% | 5,819 |
| Tier 1 risk-based capital ratio | 16.7147% | 2,900 |
| Total risk-based capital ratio | 17.6656% | 3,002 |
| Memoranda: | ||
| Average total assets | $50,567,000 | 6,172 |
| Average earning assets | $47,323,500 | 6,116 |
| Average equity | $4,154,000 | 6,476 |
| Average total loans | $19,575,500 | 6,382 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 4,597 |
| Cost of funding earning assets | 1.1825% | 629 |
| Net interest margin | 3.0154% | 6,020 |
| Noninterest income to average assets | 0.1997% | 5,993 |
| Noninterest expense to average assets | 2.1074% | 6,109 |
| Loan and lease loss provision to assets | 0.1780% | 3,401 |
| Net operating income to assets | 0.4297% | 4,967 |
| Return on assets (ROA) | 0.4297% | 5,212 |
| Pretax return on assets | 0.6815% | 4,728 |
| Return on Equity (ROE) | 4.9960% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.9960% | 2,705 |
| Net charge-offs to loans | 0.4778% | 2,330 |
| Credit loss provision to net charge-offs | 78.8462% | 3,866 |
| Earnings coverage of net charge-offs (x) | 3.8077% | 3,596 |
| Efficiency ratio | 71.0315% | 3,618 |
| Assets per employee ($millions) | 4.4520% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 5,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 42.6509% | 5,936 |
| Net loans and leases to deposits | 46.6040% | 6,208 |
| Net loans and leases to core deposits | 47.5428% | 6,295 |
| Total domestic deposits to total assets | 91.5176% | 335 |
| Equity capital to assets | 8.3150% | 6,188 |
| Core capital (leverage) ratio | 8.4228% | 5,728 |
| Tier 1 risk-based capital ratio | 17.1981% | 2,559 |
| Total risk-based capital ratio | 18.2667% | 2,611 |
| Memoranda: | ||
| Average total assets | $46,075,800 | 6,326 |
| Average earning assets | $42,282,800 | 6,298 |
| Average equity | $3,963,200 | 6,575 |
| Average total loans | $21,767,200 | 6,347 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 4,582 |
| Cost of funding earning assets | 1.2138% | 650 |
| Net interest margin | 3.0554% | 6,054 |
| Noninterest income to average assets | 0.1999% | 6,101 |
| Noninterest expense to average assets | 2.1461% | 6,076 |
| Loan and lease loss provision to assets | 0.0794% | 4,642 |
| Net operating income to assets | 0.4410% | 5,074 |
| Return on assets (ROA) | 0.4410% | 5,312 |
| Pretax return on assets | 0.7791% | 4,566 |
| Return on Equity (ROE) | 5.0813% | 4,787 |
| Retained earnings to average equity (ytd only) | 5.0813% | 3,312 |
| Net charge-offs to loans | -0.1642% | 6,957 |
| Credit loss provision to net charge-offs | -100.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,426 |
| Assets per employee ($millions) | 3.8863% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 4,169 |
| Loan loss allowance to noncurrent loans | 206.9182% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 5,833 |
| Noncurrent loans to loans | 0.6996% | 5,035 |
| Net loans and leases to total assets | 48.0283% | 5,543 |
| Net loans and leases to deposits | 52.7024% | 5,918 |
| Net loans and leases to core deposits | 53.8284% | 6,060 |
| Total domestic deposits to total assets | 91.1311% | 378 |
| Equity capital to assets | 8.6287% | 6,160 |
| Core capital (leverage) ratio | 8.6293% | 5,582 |
| Tier 1 risk-based capital ratio | 14.8811% | 3,933 |
| Total risk-based capital ratio | 16.0978% | 3,908 |
| Memoranda: | ||
| Average total assets | $45,351,750 | 6,413 |
| Average earning assets | $41,630,000 | 6,393 |
| Average equity | $3,936,000 | 6,658 |
| Average total loans | $21,924,000 | 6,426 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 4,746 |
| Cost of funding earning assets | 1.1912% | 850 |
| Net interest margin | 3.0623% | 6,094 |
| Noninterest income to average assets | 0.1959% | 6,161 |
| Noninterest expense to average assets | 2.1458% | 6,138 |
| Loan and lease loss provision to assets | -0.0935% | 7,103 |
| Net operating income to assets | 0.6277% | 4,240 |
| Return on assets (ROA) | 0.6277% | 4,486 |
| Pretax return on assets | 0.9705% | 3,817 |
| Return on Equity (ROE) | 7.2184% | 3,662 |
| Retained earnings to average equity (ytd only) | 7.2184% | 1,994 |
| Net charge-offs to loans | -0.2401% | 7,038 |
| Credit loss provision to net charge-offs | 80.7692% | 3,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9867% | 3,601 |
| Assets per employee ($millions) | 4.1470% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,412 |
| Loan loss allowance to noncurrent loans | 1,120.0000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 6,687 |
| Noncurrent loans to loans | 0.1059% | 6,402 |
| Net loans and leases to total assets | 51.1344% | 5,200 |
| Net loans and leases to deposits | 56.1910% | 5,628 |
| Net loans and leases to core deposits | 56.9691% | 5,861 |
| Total domestic deposits to total assets | 91.0012% | 446 |
| Equity capital to assets | 8.8015% | 5,909 |
| Core capital (leverage) ratio | 8.6413% | 5,458 |
| Tier 1 risk-based capital ratio | 15.2095% | 3,625 |
| Total risk-based capital ratio | 16.2702% | 3,714 |
| Memoranda: | ||
| Average total assets | $44,924,000 | 6,468 |
| Average earning assets | $41,471,670 | 6,429 |
| Average equity | $3,906,670 | 6,712 |
| Average total loans | $21,656,330 | 6,486 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 5,847 |
| Cost of funding earning assets | 1.2146% | 924 |
| Net interest margin | 2.7595% | 6,699 |
| Noninterest income to average assets | 0.1974% | 6,203 |
| Noninterest expense to average assets | 2.0279% | 6,415 |
| Loan and lease loss provision to assets | -0.0718% | 7,162 |
| Net operating income to assets | 0.5115% | 4,777 |
| Return on assets (ROA) | 0.5115% | 4,992 |
| Pretax return on assets | 0.7896% | 4,453 |
| Return on Equity (ROE) | 5.9182% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.9182% | 3,010 |
| Net charge-offs to loans | -0.4835% | 7,144 |
| Credit loss provision to net charge-offs | 32.0000% | 3,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8562% | 3,117 |
| Assets per employee ($millions) | 4.1498% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 46.6132% | 5,715 |
| Net loans and leases to deposits | 51.1208% | 6,058 |
| Net loans and leases to core deposits | 51.8242% | 6,223 |
| Total domestic deposits to total assets | 91.1825% | 482 |
| Equity capital to assets | 8.6115% | 5,980 |
| Core capital (leverage) ratio | 8.4996% | 5,590 |
| Tier 1 risk-based capital ratio | 15.0446% | 3,732 |
| Total risk-based capital ratio | 16.1621% | 3,786 |
| Memoranda: | ||
| Average total assets | $44,577,500 | 6,521 |
| Average earning assets | $41,167,000 | 6,486 |
| Average equity | $3,852,500 | 6,765 |
| Average total loans | $20,681,500 | 6,583 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 6,076 |
| Cost of funding earning assets | 1.3386% | 1,300 |
| Net interest margin | 2.8534% | 6,756 |
| Noninterest income to average assets | 0.1565% | 6,371 |
| Noninterest expense to average assets | 2.1167% | 6,460 |
| Loan and lease loss provision to assets | -0.0771% | 7,261 |
| Net operating income to assets | 0.4579% | 4,599 |
| Return on assets (ROA) | 0.4579% | 4,813 |
| Pretax return on assets | 0.7663% | 4,093 |
| Return on Equity (ROE) | 5.3082% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.3082% | 2,444 |
| Net charge-offs to loans | -0.3644% | 7,260 |
| Credit loss provision to net charge-offs | 47.8261% | 5,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4371% | 2,987 |
| Assets per employee ($millions) | 3.9552% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 4,516 |
| Loan loss allowance to noncurrent loans | 13,750.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,990 |
| Noncurrent loans to loans | 0.0101% | 6,829 |
| Net loans and leases to total assets | 44.8617% | 6,130 |
| Net loans and leases to deposits | 49.2991% | 6,417 |
| Net loans and leases to core deposits | 50.0102% | 6,529 |
| Total domestic deposits to total assets | 90.9991% | 510 |
| Equity capital to assets | 8.6745% | 5,930 |
| Core capital (leverage) ratio | 8.7300% | 5,205 |
| Tier 1 risk-based capital ratio | 14.8384% | 3,733 |
| Total risk-based capital ratio | 15.9196% | 3,835 |
| Memoranda: | ||
| Average total assets | $42,802,200 | 6,573 |
| Average earning assets | $39,742,000 | 6,539 |
| Average equity | $3,692,400 | 6,832 |
| Average total loans | $18,937,200 | 6,712 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 6,388 |
| Cost of funding earning assets | 1.3584% | 1,423 |
| Net interest margin | 2.7538% | 6,942 |
| Noninterest income to average assets | 0.1595% | 6,450 |
| Noninterest expense to average assets | 2.0832% | 6,526 |
| Loan and lease loss provision to assets | -0.1501% | 7,374 |
| Net operating income to assets | 0.5474% | 4,332 |
| Return on assets (ROA) | 0.5474% | 4,516 |
| Pretax return on assets | 0.7882% | 4,179 |
| Return on Equity (ROE) | 6.3543% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.3543% | 2,323 |
| Net charge-offs to loans | -0.4415% | 7,338 |
| Credit loss provision to net charge-offs | 77.4194% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5517% | 2,756 |
| Assets per employee ($millions) | 3.8313% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 5,468 |
| Loan loss allowance to noncurrent loans | 157.1429% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 6,122 |
| Noncurrent loans to loans | 0.7634% | 5,342 |
| Net loans and leases to total assets | 49.4400% | 5,779 |
| Net loans and leases to deposits | 54.5046% | 6,164 |
| Net loans and leases to core deposits | 55.3237% | 6,362 |
| Total domestic deposits to total assets | 90.7080% | 551 |
| Equity capital to assets | 8.9052% | 5,851 |
| Core capital (leverage) ratio | 8.7679% | 5,314 |
| Tier 1 risk-based capital ratio | 14.9142% | 3,710 |
| Total risk-based capital ratio | 15.9196% | 3,834 |
| Memoranda: | ||
| Average total assets | $42,626,000 | 6,640 |
| Average earning assets | $39,652,500 | 6,605 |
| Average equity | $3,672,000 | 6,889 |
| Average total loans | $18,723,250 | 6,788 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 6,608 |
| Cost of funding earning assets | 1.3509% | 1,648 |
| Net interest margin | 2.6817% | 7,048 |
| Noninterest income to average assets | 0.1589% | 6,522 |
| Noninterest expense to average assets | 2.0988% | 6,594 |
| Loan and lease loss provision to assets | -0.2244% | 7,453 |
| Net operating income to assets | 0.5703% | 4,208 |
| Return on assets (ROA) | 0.5703% | 4,336 |
| Pretax return on assets | 0.7806% | 4,097 |
| Return on Equity (ROE) | 6.6941% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.6941% | 2,027 |
| Net charge-offs to loans | -0.6579% | 7,420 |
| Credit loss provision to net charge-offs | 81.3559% | 3,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0493% | 2,549 |
| Assets per employee ($millions) | 4.3489% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 4,508 |
| Loan loss allowance to noncurrent loans | 206.6116% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 6,438 |
| Noncurrent loans to loans | 0.6836% | 5,541 |
| Net loans and leases to total assets | 40.1274% | 6,735 |
| Net loans and leases to deposits | 43.9760% | 6,922 |
| Net loans and leases to core deposits | 44.9583% | 6,981 |
| Total domestic deposits to total assets | 91.2484% | 409 |
| Equity capital to assets | 8.5079% | 6,168 |
| Core capital (leverage) ratio | 8.4258% | 5,672 |
| Tier 1 risk-based capital ratio | 15.7246% | 3,118 |
| Total risk-based capital ratio | 16.7871% | 3,167 |
| Memoranda: | ||
| Average total assets | $42,786,670 | 6,688 |
| Average earning assets | $39,825,000 | 6,647 |
| Average equity | $3,645,000 | 6,942 |
| Average total loans | $17,934,670 | 6,895 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 6,752 |
| Cost of funding earning assets | 1.3300% | 2,011 |
| Net interest margin | 2.6298% | 7,100 |
| Noninterest income to average assets | 0.1697% | 6,511 |
| Noninterest expense to average assets | 2.1303% | 6,564 |
| Loan and lease loss provision to assets | -0.4525% | 7,533 |
| Net operating income to assets | 0.7541% | 3,254 |
| Return on assets (ROA) | 0.7541% | 3,317 |
| Pretax return on assets | 0.9520% | 3,308 |
| Return on Equity (ROE) | 8.8459% | 2,535 |
| Retained earnings to average equity (ytd only) | 8.8459% | 1,427 |
| Net charge-offs to loans | -1.2631% | 7,500 |
| Credit loss provision to net charge-offs | 84.2105% | 3,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0036% | 2,370 |
| Assets per employee ($millions) | 3.9201% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 4,517 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 4,890 |
| Noncurrent loans to loans | 2.5053% | 2,977 |
| Net loans and leases to total assets | 39.5979% | 6,804 |
| Net loans and leases to deposits | 43.3717% | 6,969 |
| Net loans and leases to core deposits | 44.3449% | 7,030 |
| Total domestic deposits to total assets | 91.2989% | 489 |
| Equity capital to assets | 8.4831% | 5,934 |
| Core capital (leverage) ratio | 8.5163% | 5,422 |
| Tier 1 risk-based capital ratio | 16.1209% | 2,851 |
| Total risk-based capital ratio | 17.2139% | 2,888 |
| Memoranda: | ||
| Average total assets | $42,435,500 | 6,741 |
| Average earning assets | $39,698,500 | 6,697 |
| Average equity | $3,617,500 | 6,981 |
| Average total loans | $18,051,500 | 6,939 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 6,398 |
| Cost of funding earning assets | 1.7319% | 1,458 |
| Net interest margin | 2.7693% | 7,065 |
| Noninterest income to average assets | 0.1538% | 6,620 |
| Noninterest expense to average assets | 2.0789% | 6,894 |
| Loan and lease loss provision to assets | 0.0795% | 6,364 |
| Net operating income to assets | 0.3973% | 4,549 |
| Return on assets (ROA) | 0.3973% | 4,692 |
| Pretax return on assets | 0.5614% | 4,446 |
| Return on Equity (ROE) | 4.5431% | 4,278 |
| Retained earnings to average equity (ytd only) | 4.5431% | 2,694 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4373% | 2,979 |
| Assets per employee ($millions) | 4.1750% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 5,147 |
| Loan loss allowance to noncurrent loans | 54.4419% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0515% | 4,903 |
| Noncurrent loans to loans | 2.3376% | 3,180 |
| Net loans and leases to total assets | 44.4096% | 6,679 |
| Net loans and leases to deposits | 48.6692% | 6,915 |
| Net loans and leases to core deposits | 49.7945% | 6,989 |
| Total domestic deposits to total assets | 91.2479% | 484 |
| Equity capital to assets | 8.5677% | 5,763 |
| Core capital (leverage) ratio | 8.4599% | 5,436 |
| Tier 1 risk-based capital ratio | 15.4708% | 3,006 |
| Total risk-based capital ratio | 16.5045% | 3,072 |
| Memoranda: | ||
| Average total assets | $39,011,600 | 6,902 |
| Average earning assets | $36,146,200 | 6,879 |
| Average equity | $3,411,800 | 7,157 |
| Average total loans | $17,528,000 | 7,060 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 6,461 |
| Cost of funding earning assets | 1.8339% | 1,286 |
| Net interest margin | 2.7188% | 7,212 |
| Noninterest income to average assets | 0.1531% | 6,763 |
| Noninterest expense to average assets | 2.0212% | 7,011 |
| Loan and lease loss provision to assets | 0.1252% | 5,776 |
| Net operating income to assets | 0.3061% | 5,139 |
| Return on assets (ROA) | 0.3061% | 5,316 |
| Pretax return on assets | 0.5183% | 4,864 |
| Return on Equity (ROE) | 3.4811% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.4811% | 4,004 |
| Net charge-offs to loans | -0.0387% | 7,438 |
| Credit loss provision to net charge-offs | -720.0000% | 7,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8486% | 2,981 |
| Assets per employee ($millions) | 4.0441% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 4,694 |
| Loan loss allowance to noncurrent loans | 176.5957% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 6,513 |
| Noncurrent loans to loans | 0.7673% | 5,675 |
| Net loans and leases to total assets | 44.8258% | 6,786 |
| Net loans and leases to deposits | 49.0795% | 7,039 |
| Net loans and leases to core deposits | 50.2467% | 7,114 |
| Total domestic deposits to total assets | 91.3331% | 351 |
| Equity capital to assets | 8.4345% | 6,352 |
| Core capital (leverage) ratio | 8.6662% | 5,251 |
| Tier 1 risk-based capital ratio | 15.7545% | 2,879 |
| Total risk-based capital ratio | 16.9045% | 2,883 |
| Memoranda: | ||
| Average total assets | $38,327,000 | 7,005 |
| Average earning assets | $35,406,250 | 6,980 |
| Average equity | $3,370,500 | 7,266 |
| Average total loans | $17,215,000 | 7,160 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 6,247 |
| Cost of funding earning assets | 1.9062% | 1,220 |
| Net interest margin | 2.7637% | 7,191 |
| Noninterest income to average assets | 0.1542% | 6,783 |
| Noninterest expense to average assets | 2.0307% | 7,053 |
| Loan and lease loss provision to assets | 0.0957% | 5,954 |
| Net operating income to assets | 0.3509% | 4,970 |
| Return on assets (ROA) | 0.3509% | 5,134 |
| Pretax return on assets | 0.5635% | 4,692 |
| Return on Equity (ROE) | 3.9321% | 4,810 |
| Retained earnings to average equity (ytd only) | 3.9321% | 3,581 |
| Net charge-offs to loans | -0.0238% | 7,307 |
| Credit loss provision to net charge-offs | -900.0000% | 6,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4941% | 3,163 |
| Assets per employee ($millions) | 3.8448% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 44.1870% | 6,905 |
| Net loans and leases to deposits | 48.6039% | 7,135 |
| Net loans and leases to core deposits | 49.8226% | 7,220 |
| Total domestic deposits to total assets | 90.9124% | 524 |
| Equity capital to assets | 8.8145% | 5,727 |
| Core capital (leverage) ratio | 8.8557% | 4,823 |
| Tier 1 risk-based capital ratio | 17.0679% | 2,254 |
| Total risk-based capital ratio | 18.2162% | 2,246 |
| Memoranda: | ||
| Average total assets | $37,622,330 | 7,086 |
| Average earning assets | $34,519,330 | 7,063 |
| Average equity | $3,357,000 | 7,310 |
| Average total loans | $16,827,670 | 7,229 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 6,616 |
| Cost of funding earning assets | 1.9608% | 1,207 |
| Net interest margin | 2.6183% | 7,374 |
| Noninterest income to average assets | 0.1397% | 6,981 |
| Noninterest expense to average assets | 1.9672% | 7,217 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3870% | 4,898 |
| Return on assets (ROA) | 0.3870% | 5,034 |
| Pretax return on assets | 0.5697% | 4,719 |
| Return on Equity (ROE) | 4.3101% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.3101% | 3,563 |
| Net charge-offs to loans | -0.0481% | 7,339 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5424% | 2,971 |
| Assets per employee ($millions) | 4.1623% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.8985% | 7,192 |
| Net loans and leases to deposits | 45.0538% | 7,365 |
| Net loans and leases to core deposits | 46.2102% | 7,422 |
| Total domestic deposits to total assets | 90.7771% | 620 |
| Equity capital to assets | 8.9667% | 5,327 |
| Core capital (leverage) ratio | 8.8026% | 4,847 |
| Tier 1 risk-based capital ratio | 17.6613% | 2,035 |
| Total risk-based capital ratio | 18.7654% | 2,045 |
| Memoranda: | ||
| Average total assets | $37,209,500 | 7,191 |
| Average earning assets | $34,067,500 | 7,161 |
| Average equity | $3,341,000 | 7,396 |
| Average total loans | $16,633,000 | 7,328 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 6,546 |
| Cost of funding earning assets | 2.2940% | 1,684 |
| Net interest margin | 2.6695% | 7,249 |
| Noninterest income to average assets | 0.1039% | 7,250 |
| Noninterest expense to average assets | 2.1536% | 7,078 |
| Loan and lease loss provision to assets | 0.9959% | 2,284 |
| Net operating income to assets | -0.2945% | 5,963 |
| Return on assets (ROA) | -0.2945% | 5,963 |
| Pretax return on assets | -0.6235% | 6,114 |
| Return on Equity (ROE) | -3.0583% | 5,993 |
| Retained earnings to average equity (ytd only) | -3.0583% | 5,712 |
| Net charge-offs to loans | 2.6049% | 869 |
| Credit loss provision to net charge-offs | 82.9327% | 6,220 |
| Earnings coverage of net charge-offs (x) | 0.3101% | 5,808 |
| Efficiency ratio | 85.2571% | 2,196 |
| Assets per employee ($millions) | 3.6958% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 5,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 47.4241% | 6,856 |
| Net loans and leases to deposits | 55.1771% | 6,974 |
| Net loans and leases to core deposits | 61.0399% | 7,226 |
| Total domestic deposits to total assets | 85.9489% | 3,044 |
| Equity capital to assets | 8.9913% | 5,164 |
| Core capital (leverage) ratio | 9.2881% | 3,996 |
| Tier 1 risk-based capital ratio | 15.4882% | 2,720 |
| Total risk-based capital ratio | 16.4577% | 2,801 |
| Memoranda: | ||
| Average total assets | $34,640,400 | 7,294 |
| Average earning assets | $31,429,400 | 7,293 |
| Average equity | $3,335,200 | 7,493 |
| Average total loans | $15,970,000 | 7,405 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 6,610 |
| Cost of funding earning assets | 2.3972% | 1,644 |
| Net interest margin | 2.5995% | 7,357 |
| Noninterest income to average assets | 0.0822% | 7,491 |
| Noninterest expense to average assets | 2.1060% | 7,180 |
| Loan and lease loss provision to assets | 1.2722% | 1,517 |
| Net operating income to assets | -0.4267% | 6,354 |
| Return on assets (ROA) | -0.4267% | 6,354 |
| Pretax return on assets | -0.9317% | 6,631 |
| Return on Equity (ROE) | -4.3535% | 6,380 |
| Retained earnings to average equity (ytd only) | -4.3535% | 6,163 |
| Net charge-offs to loans | 3.5202% | 424 |
| Credit loss provision to net charge-offs | 79.2683% | 5,786 |
| Earnings coverage of net charge-offs (x) | 0.2122% | 5,811 |
| Efficiency ratio | 86.0800% | 2,059 |
| Assets per employee ($millions) | 3.5348% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,111 |
| Loan loss allowance to noncurrent loans | 122.7848% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 6,343 |
| Noncurrent loans to loans | 0.9773% | 5,348 |
| Net loans and leases to total assets | 45.1878% | 7,161 |
| Net loans and leases to deposits | 50.0141% | 7,410 |
| Net loans and leases to core deposits | 55.2718% | 7,565 |
| Total domestic deposits to total assets | 90.3502% | 642 |
| Equity capital to assets | 9.3810% | 4,912 |
| Core capital (leverage) ratio | 9.3196% | 4,158 |
| Tier 1 risk-based capital ratio | 17.2081% | 2,211 |
| Total risk-based capital ratio | 18.2148% | 2,234 |
| Memoranda: | ||
| Average total assets | $34,061,000 | 7,382 |
| Average earning assets | $30,979,250 | 7,370 |
| Average equity | $3,338,250 | 7,558 |
| Average total loans | $15,528,750 | 7,489 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 7,053 |
| Cost of funding earning assets | 2.5399% | 1,482 |
| Net interest margin | 2.3501% | 7,626 |
| Noninterest income to average assets | 0.0416% | 7,780 |
| Noninterest expense to average assets | 2.0814% | 7,312 |
| Loan and lease loss provision to assets | 1.2785% | 1,337 |
| Net operating income to assets | -1.1656% | 7,093 |
| Return on assets (ROA) | -1.1656% | 7,101 |
| Pretax return on assets | -1.1834% | 6,927 |
| Return on Equity (ROE) | -11.7166% | 7,156 |
| Retained earnings to average equity (ytd only) | -11.7166% | 7,034 |
| Net charge-offs to loans | 3.1209% | 526 |
| Credit loss provision to net charge-offs | 89.9582% | 4,929 |
| Earnings coverage of net charge-offs (x) | 0.0669% | 5,611 |
| Efficiency ratio | 95.6284% | 1,402 |
| Assets per employee ($millions) | 3.9487% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 2,958 |
| Loan loss allowance to noncurrent loans | 28.1457% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 2.5494% | 2,524 |
| Noncurrent loans to loans | 5.5039% | 1,057 |
| Net loans and leases to total assets | 45.6019% | 7,224 |
| Net loans and leases to deposits | 50.3120% | 7,475 |
| Net loans and leases to core deposits | 55.5019% | 7,614 |
| Total domestic deposits to total assets | 90.6382% | 579 |
| Equity capital to assets | 9.0860% | 5,187 |
| Core capital (leverage) ratio | 9.3394% | 4,117 |
| Tier 1 risk-based capital ratio | 16.5327% | 2,437 |
| Total risk-based capital ratio | 17.7717% | 2,382 |
| Memoranda: | ||
| Average total assets | $33,632,000 | 7,461 |
| Average earning assets | $30,552,330 | 7,453 |
| Average equity | $3,345,670 | 7,618 |
| Average total loans | $15,316,000 | 7,572 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1203% | 6,591 |
| Cost of funding earning assets | 2.6808% | 1,322 |
| Net interest margin | 2.4395% | 7,572 |
| Noninterest income to average assets | 0.2203% | 6,710 |
| Noninterest expense to average assets | 1.9584% | 7,431 |
| Loan and lease loss provision to assets | 0.9058% | 1,447 |
| Net operating income to assets | -0.5263% | 6,899 |
| Return on assets (ROA) | -0.5263% | 6,952 |
| Pretax return on assets | -0.4162% | 6,753 |
| Return on Equity (ROE) | -5.0529% | 6,981 |
| Retained earnings to average equity (ytd only) | -5.0529% | 6,555 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,820 |
| Assets per employee ($millions) | 3.3406% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3421% | 906 |
| Loan loss allowance to noncurrent loans | 45.6072% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.5774% | 2,223 |
| Noncurrent loans to loans | 5.1354% | 1,053 |
| Net loans and leases to total assets | 44.0609% | 7,333 |
| Net loans and leases to deposits | 49.1912% | 7,529 |
| Net loans and leases to core deposits | 54.3357% | 7,668 |
| Total domestic deposits to total assets | 89.5707% | 983 |
| Equity capital to assets | 10.1239% | 3,862 |
| Core capital (leverage) ratio | 10.1613% | 3,234 |
| Tier 1 risk-based capital ratio | 19.3511% | 1,745 |
| Total risk-based capital ratio | 20.6099% | 1,697 |
| Memoranda: | ||
| Average total assets | $32,679,000 | 7,542 |
| Average earning assets | $29,842,000 | 7,527 |
| Average equity | $3,404,000 | 7,653 |
| Average total loans | $14,743,500 | 7,650 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2610% | 4,178 |
| Cost of funding earning assets | 3.0849% | 1,555 |
| Net interest margin | 3.1761% | 6,444 |
| Noninterest income to average assets | 0.2567% | 6,616 |
| Noninterest expense to average assets | 2.2229% | 6,916 |
| Loan and lease loss provision to assets | 0.2849% | 4,102 |
| Net operating income to assets | 0.5792% | 4,398 |
| Return on assets (ROA) | 0.5792% | 4,261 |
| Pretax return on assets | 0.6950% | 4,412 |
| Return on Equity (ROE) | 5.5050% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.9098% | 2,078 |
| Net charge-offs to loans | 0.2830% | 3,514 |
| Credit loss provision to net charge-offs | 221.9512% | 2,154 |
| Earnings coverage of net charge-offs (x) | 7.6341% | 3,060 |
| Efficiency ratio | 69.4037% | 4,460 |
| Assets per employee ($millions) | 3.5502% | 4,544 |
| Cash dividends to net income (ytd only)* | 10.8108% | 4,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 1,349 |
| Loan loss allowance to noncurrent loans | 47.6109% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 2.1063% | 2,329 |
| Noncurrent loans to loans | 4.0652% | 1,205 |
| Net loans and leases to total assets | 44.2414% | 7,454 |
| Net loans and leases to deposits | 49.7256% | 7,637 |
| Net loans and leases to core deposits | 55.3962% | 7,754 |
| Total domestic deposits to total assets | 88.9710% | 1,052 |
| Equity capital to assets | 10.7223% | 3,278 |
| Core capital (leverage) ratio | 10.4836% | 2,986 |
| Tier 1 risk-based capital ratio | 20.4368% | 1,547 |
| Total risk-based capital ratio | 21.6898% | 1,512 |
| Memoranda: | ||
| Average total assets | $31,940,600 | 7,567 |
| Average earning assets | $29,627,800 | 7,533 |
| Average equity | $3,360,600 | 7,729 |
| Average total loans | $14,486,800 | 7,677 |