Home > Farmers State Bank of Crosby, N. D. > Performance and Condition Ratios
Farmers State Bank of Crosby, N. D., Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3503% | 6,458 |
| Cost of funding earning assets | 0.0640% | 6,414 |
| Net interest margin | 1.2863% | 6,447 |
| Noninterest income to average assets | 0.1626% | 5,884 |
| Noninterest expense to average assets | 1.2648% | 6,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1279% | 5,915 |
| Return on assets (ROA) | 0.1279% | 5,960 |
| Pretax return on assets | 0.1279% | 5,966 |
| Return on Equity (ROE) | 1.4950% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.4950% | 5,093 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8184% | 798 |
| Assets per employee ($millions) | 16.8085% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6310% | 11 |
| 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 | 5.6103% | 6,466 |
| Net loans and leases to deposits | 6.1702% | 6,469 |
| Net loans and leases to core deposits | 6.2218% | 6,457 |
| Total domestic deposits to total assets | 90.9257% | 396 |
| Equity capital to assets | 9.0668% | 5,218 |
| Core capital (leverage) ratio | 8.5070% | 5,557 |
| Tier 1 risk-based capital ratio | 66.4828% | 74 |
| Total risk-based capital ratio | 67.7419% | 74 |
| Memoranda: | ||
| Average total assets | $71,946,000 | 5,232 |
| Average earning assets | $68,801,200 | 5,152 |
| Average equity | $6,154,000 | 5,583 |
| Average total loans | $5,725,000 | 6,421 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3801% | 6,544 |
| Cost of funding earning assets | 0.0645% | 6,497 |
| Net interest margin | 1.3156% | 6,533 |
| Noninterest income to average assets | 0.1732% | 5,883 |
| Noninterest expense to average assets | 1.1578% | 6,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2790% | 5,654 |
| Return on assets (ROA) | 0.2790% | 5,718 |
| Pretax return on assets | 0.2790% | 5,809 |
| Return on Equity (ROE) | 3.3070% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.3070% | 4,267 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5838% | 1,830 |
| Assets per employee ($millions) | 9.3094% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8796% | 10 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 5.6272% | 6,545 |
| Net loans and leases to deposits | 6.2280% | 6,549 |
| Net loans and leases to core deposits | 6.2820% | 6,536 |
| Total domestic deposits to total assets | 90.3523% | 592 |
| Equity capital to assets | 9.5495% | 4,732 |
| Core capital (leverage) ratio | 8.5143% | 5,646 |
| Tier 1 risk-based capital ratio | 47.0055% | 155 |
| Total risk-based capital ratio | 48.2553% | 155 |
| Memoranda: | ||
| Average total assets | $73,124,000 | 5,262 |
| Average earning assets | $70,235,000 | 5,171 |
| Average equity | $6,168,500 | 5,646 |
| Average total loans | $6,112,750 | 6,493 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3974% | 6,607 |
| Cost of funding earning assets | 0.0660% | 6,557 |
| Net interest margin | 1.3314% | 6,598 |
| Noninterest income to average assets | 0.1953% | 5,795 |
| Noninterest expense to average assets | 1.1032% | 6,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3695% | 5,330 |
| Return on assets (ROA) | 0.3695% | 5,401 |
| Pretax return on assets | 0.3695% | 5,641 |
| Return on Equity (ROE) | 4.5526% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.5526% | 3,272 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9104% | 2,820 |
| Assets per employee ($millions) | 11.6322% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0304% | 27 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 7.6168% | 6,606 |
| Net loans and leases to deposits | 8.3752% | 6,609 |
| Net loans and leases to core deposits | 8.4424% | 6,600 |
| Total domestic deposits to total assets | 90.9447% | 431 |
| Equity capital to assets | 9.0066% | 5,293 |
| Core capital (leverage) ratio | 7.7853% | 6,216 |
| Tier 1 risk-based capital ratio | 40.3420% | 235 |
| Total risk-based capital ratio | 41.6119% | 230 |
| Memoranda: | ||
| Average total assets | $75,776,670 | 5,259 |
| Average earning assets | $72,708,000 | 5,166 |
| Average equity | $6,150,330 | 5,688 |
| Average total loans | $6,794,000 | 6,535 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3874% | 6,684 |
| Cost of funding earning assets | 0.0688% | 6,630 |
| Net interest margin | 1.3186% | 6,676 |
| Noninterest income to average assets | 0.1879% | 5,840 |
| Noninterest expense to average assets | 1.0715% | 6,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3809% | 5,187 |
| Return on assets (ROA) | 0.3809% | 5,261 |
| Pretax return on assets | 0.3809% | 5,514 |
| Return on Equity (ROE) | 4.9322% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.9322% | 3,150 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7762% | 3,185 |
| Assets per employee ($millions) | 12.9460% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9371% | 51 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 8.1994% | 6,676 |
| Net loans and leases to deposits | 8.9079% | 6,679 |
| Net loans and leases to core deposits | 8.9713% | 6,671 |
| Total domestic deposits to total assets | 92.0464% | 234 |
| Equity capital to assets | 7.9098% | 6,110 |
| Core capital (leverage) ratio | 6.8617% | 6,498 |
| Tier 1 risk-based capital ratio | 34.2909% | 371 |
| Total risk-based capital ratio | 35.5565% | 362 |
| Memoranda: | ||
| Average total assets | $78,768,500 | 5,234 |
| Average earning assets | $75,535,000 | 5,133 |
| Average equity | $6,082,500 | 5,727 |
| Average total loans | $7,332,000 | 6,595 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4753% | 6,748 |
| Cost of funding earning assets | 0.0869% | 6,698 |
| Net interest margin | 1.3884% | 6,730 |
| Noninterest income to average assets | 0.1312% | 6,271 |
| Noninterest expense to average assets | 1.1317% | 6,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3247% | 5,437 |
| Return on assets (ROA) | 0.3618% | 5,401 |
| Pretax return on assets | 0.3697% | 5,561 |
| Return on Equity (ROE) | 4.3634% | 4,954 |
| Retained earnings to average equity (ytd only) | 1.1668% | 5,302 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2851% | 2,574 |
| Assets per employee ($millions) | 9.9826% | 232 |
| Cash dividends to net income (ytd only)* | 73.2601% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0931% | 86 |
| 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 | 9.3800% | 6,754 |
| Net loans and leases to deposits | 10.1483% | 6,760 |
| Net loans and leases to core deposits | 10.2181% | 6,750 |
| Total domestic deposits to total assets | 92.4293% | 207 |
| Equity capital to assets | 7.5393% | 6,264 |
| Core capital (leverage) ratio | 6.9472% | 6,535 |
| Tier 1 risk-based capital ratio | 29.2914% | 535 |
| Total risk-based capital ratio | 30.5539% | 526 |
| Memoranda: | ||
| Average total assets | $75,464,600 | 5,340 |
| Average earning assets | $72,458,600 | 5,242 |
| Average equity | $6,256,600 | 5,754 |
| Average total loans | $7,784,800 | 6,661 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4678% | 6,833 |
| Cost of funding earning assets | 0.0895% | 6,784 |
| Net interest margin | 1.3782% | 6,819 |
| Noninterest income to average assets | 0.1363% | 6,341 |
| Noninterest expense to average assets | 1.0542% | 6,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3962% | 5,253 |
| Return on assets (ROA) | 0.3962% | 5,394 |
| Pretax return on assets | 0.4070% | 5,605 |
| Return on Equity (ROE) | 4.6657% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.6657% | 3,348 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1472% | 3,378 |
| Assets per employee ($millions) | 11.1984% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0319% | 110 |
| 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 | 9.6787% | 6,834 |
| Net loans and leases to deposits | 10.5409% | 6,839 |
| Net loans and leases to core deposits | 10.6152% | 6,832 |
| Total domestic deposits to total assets | 91.8203% | 280 |
| Equity capital to assets | 8.0470% | 6,120 |
| Core capital (leverage) ratio | 7.4967% | 6,447 |
| Tier 1 risk-based capital ratio | 28.7666% | 580 |
| Total risk-based capital ratio | 30.0252% | 567 |
| Memoranda: | ||
| Average total assets | $74,365,500 | 5,421 |
| Average earning assets | $71,490,500 | 5,318 |
| Average equity | $6,315,500 | 5,809 |
| Average total loans | $7,757,750 | 6,734 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4962% | 6,881 |
| Cost of funding earning assets | 0.0940% | 6,831 |
| Net interest margin | 1.4022% | 6,862 |
| Noninterest income to average assets | 0.1315% | 6,397 |
| Noninterest expense to average assets | 1.0051% | 6,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4738% | 4,909 |
| Return on assets (ROA) | 0.4738% | 5,090 |
| Pretax return on assets | 0.4738% | 5,456 |
| Return on Equity (ROE) | 5.4764% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.4764% | 2,757 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9630% | 4,187 |
| Assets per employee ($millions) | 9.1513% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2154% | 101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 9.9795% | 6,880 |
| Net loans and leases to deposits | 10.9236% | 6,886 |
| Net loans and leases to core deposits | 11.0063% | 6,877 |
| Total domestic deposits to total assets | 91.3577% | 425 |
| Equity capital to assets | 8.5180% | 5,748 |
| Core capital (leverage) ratio | 7.4895% | 6,457 |
| Tier 1 risk-based capital ratio | 28.1185% | 618 |
| Total risk-based capital ratio | 29.3796% | 612 |
| Memoranda: | ||
| Average total assets | $73,024,330 | 5,486 |
| Average earning assets | $70,177,000 | 5,388 |
| Average equity | $6,318,000 | 5,845 |
| Average total loans | $7,680,670 | 6,782 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5635% | 6,960 |
| Cost of funding earning assets | 0.0913% | 6,919 |
| Net interest margin | 1.4722% | 6,938 |
| Noninterest income to average assets | 0.1261% | 6,467 |
| Noninterest expense to average assets | 1.0037% | 6,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5046% | 4,634 |
| Return on assets (ROA) | 0.5046% | 4,781 |
| Pretax return on assets | 0.5375% | 5,155 |
| Return on Equity (ROE) | 5.7871% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.7871% | 2,792 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1246% | 4,809 |
| Assets per employee ($millions) | 8.4120% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8841% | 81 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 8.4932% | 6,960 |
| Net loans and leases to deposits | 9.2953% | 6,966 |
| Net loans and leases to core deposits | 9.3632% | 6,959 |
| Total domestic deposits to total assets | 91.3708% | 390 |
| Equity capital to assets | 8.4284% | 6,075 |
| Core capital (leverage) ratio | 7.3600% | 6,522 |
| Tier 1 risk-based capital ratio | 26.2048% | 766 |
| Total risk-based capital ratio | 27.4648% | 752 |
| Memoranda: | ||
| Average total assets | $72,931,500 | 5,537 |
| Average earning assets | $70,100,500 | 5,434 |
| Average equity | $6,359,000 | 5,896 |
| Average total loans | $7,667,000 | 6,857 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9990% | 6,987 |
| Cost of funding earning assets | 0.1434% | 6,932 |
| Net interest margin | 1.8556% | 6,951 |
| Noninterest income to average assets | 0.1182% | 6,446 |
| Noninterest expense to average assets | 1.4096% | 6,909 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4241% | 4,989 |
| Return on assets (ROA) | 0.8895% | 3,109 |
| Pretax return on assets | 0.9515% | 3,737 |
| Return on Equity (ROE) | 9.1645% | 2,552 |
| Retained earnings to average equity (ytd only) | -4.9172% | 6,418 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3570% | 3,013 |
| Assets per employee ($millions) | 8.7694% | 355 |
| Cash dividends to net income (ytd only)* | 153.6545% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7283% | 159 |
| 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 | 11.5459% | 7,005 |
| Net loans and leases to deposits | 12.7202% | 7,011 |
| Net loans and leases to core deposits | 12.8213% | 7,004 |
| Total domestic deposits to total assets | 90.7676% | 583 |
| Equity capital to assets | 9.0329% | 5,487 |
| Core capital (leverage) ratio | 7.8467% | 6,312 |
| Tier 1 risk-based capital ratio | 22.8117% | 1,139 |
| Total risk-based capital ratio | 24.0670% | 1,123 |
| Memoranda: | ||
| Average total assets | $67,680,000 | 5,687 |
| Average earning assets | $64,831,200 | 5,590 |
| Average equity | $6,568,800 | 5,876 |
| Average total loans | $7,477,600 | 6,936 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0805% | 7,097 |
| Cost of funding earning assets | 0.1576% | 7,021 |
| Net interest margin | 1.9228% | 7,058 |
| Noninterest income to average assets | 0.1253% | 6,511 |
| Noninterest expense to average assets | 1.4394% | 6,969 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4931% | 4,871 |
| Return on assets (ROA) | 0.4931% | 5,139 |
| Pretax return on assets | 0.5289% | 5,381 |
| Return on Equity (ROE) | 4.9898% | 4,823 |
| Retained earnings to average equity (ytd only) | -3.0582% | 6,483 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1313% | 3,129 |
| Assets per employee ($millions) | 7.4624% | 607 |
| Cash dividends to net income (ytd only)* | 161.2895% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5184% | 208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 12.6485% | 7,101 |
| Net loans and leases to deposits | 14.0951% | 7,112 |
| Net loans and leases to core deposits | 14.2133% | 7,105 |
| Total domestic deposits to total assets | 89.7368% | 975 |
| Equity capital to assets | 9.9253% | 4,614 |
| Core capital (leverage) ratio | 8.4244% | 5,868 |
| Tier 1 risk-based capital ratio | 21.5702% | 1,406 |
| Total risk-based capital ratio | 22.8255% | 1,381 |
| Memoranda: | ||
| Average total assets | $67,061,250 | 5,773 |
| Average earning assets | $64,279,000 | 5,662 |
| Average equity | $6,626,750 | 5,930 |
| Average total loans | $7,221,500 | 7,036 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1492% | 7,166 |
| Cost of funding earning assets | 0.1680% | 7,079 |
| Net interest margin | 1.9812% | 7,108 |
| Noninterest income to average assets | 0.1253% | 6,559 |
| Noninterest expense to average assets | 1.4531% | 7,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5341% | 4,659 |
| Return on assets (ROA) | 0.5341% | 4,939 |
| Pretax return on assets | 0.5729% | 5,235 |
| Return on Equity (ROE) | 5.4130% | 4,622 |
| Retained earnings to average equity (ytd only) | -6.6831% | 6,704 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7231% | 3,482 |
| Assets per employee ($millions) | 7.2256% | 655 |
| Cash dividends to net income (ytd only)* | 223.4637% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2066% | 135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 11.2548% | 7,174 |
| Net loans and leases to deposits | 12.5405% | 7,181 |
| Net loans and leases to core deposits | 12.6491% | 7,178 |
| Total domestic deposits to total assets | 89.7478% | 1,075 |
| Equity capital to assets | 9.9708% | 4,377 |
| Core capital (leverage) ratio | 8.2773% | 5,950 |
| Tier 1 risk-based capital ratio | 21.3238% | 1,420 |
| Total risk-based capital ratio | 22.5768% | 1,396 |
| Memoranda: | ||
| Average total assets | $67,027,670 | 5,808 |
| Average earning assets | $64,304,000 | 5,696 |
| Average equity | $6,613,670 | 5,953 |
| Average total loans | $6,663,000 | 7,115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1533% | 7,226 |
| Cost of funding earning assets | 0.1769% | 7,137 |
| Net interest margin | 1.9764% | 7,173 |
| Noninterest income to average assets | 0.1352% | 6,576 |
| Noninterest expense to average assets | 1.4935% | 7,067 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5116% | 4,776 |
| Return on assets (ROA) | 0.5116% | 4,991 |
| Pretax return on assets | 0.5468% | 5,298 |
| Return on Equity (ROE) | 5.2108% | 4,687 |
| Retained earnings to average equity (ytd only) | 5.2108% | 3,428 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1988% | 3,224 |
| Assets per employee ($millions) | 6.0743% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2783% | 67 |
| 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 | 8.9812% | 7,246 |
| Net loans and leases to deposits | 10.0164% | 7,253 |
| Net loans and leases to core deposits | 10.0164% | 7,246 |
| Total domestic deposits to total assets | 89.6658% | 1,260 |
| Equity capital to assets | 10.1486% | 3,919 |
| Core capital (leverage) ratio | 8.3962% | 5,747 |
| Tier 1 risk-based capital ratio | 21.8957% | 1,304 |
| Total risk-based capital ratio | 23.1476% | 1,275 |
| Memoranda: | ||
| Average total assets | $68,026,500 | 5,827 |
| Average earning assets | $65,574,000 | 5,700 |
| Average equity | $6,678,500 | 5,970 |
| Average total loans | $6,134,000 | 7,188 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6421% | 7,242 |
| Cost of funding earning assets | 0.2713% | 7,150 |
| Net interest margin | 2.3708% | 7,113 |
| Noninterest income to average assets | 0.1168% | 6,561 |
| Noninterest expense to average assets | 1.7112% | 7,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6398% | 3,788 |
| Return on assets (ROA) | 0.6398% | 3,985 |
| Pretax return on assets | 0.6838% | 4,392 |
| Return on Equity (ROE) | 5.7880% | 3,979 |
| Retained earnings to average equity (ytd only) | -4.9305% | 6,442 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4488% | 3,705 |
| Assets per employee ($millions) | 6.9236% | 761 |
| Cash dividends to net income (ytd only)* | 185.1852% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8372% | 53 |
| 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 | 7.8918% | 7,299 |
| Net loans and leases to deposits | 8.7378% | 7,304 |
| Net loans and leases to core deposits | 8.7378% | 7,295 |
| Total domestic deposits to total assets | 90.3186% | 802 |
| Equity capital to assets | 9.4979% | 4,894 |
| Core capital (leverage) ratio | 8.8285% | 5,063 |
| Tier 1 risk-based capital ratio | 19.0173% | 1,886 |
| Total risk-based capital ratio | 20.2682% | 1,846 |
| Memoranda: | ||
| Average total assets | $59,082,400 | 6,072 |
| Average earning assets | $56,773,000 | 5,954 |
| Average equity | $6,530,800 | 6,010 |
| Average total loans | $6,563,200 | 7,224 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8090% | 7,304 |
| Cost of funding earning assets | 0.2993% | 7,212 |
| Net interest margin | 2.5097% | 7,130 |
| Noninterest income to average assets | 0.1132% | 6,692 |
| Noninterest expense to average assets | 1.8180% | 6,970 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6626% | 3,808 |
| Return on assets (ROA) | 0.6626% | 3,984 |
| Pretax return on assets | 0.7074% | 4,445 |
| Return on Equity (ROE) | 5.7468% | 4,145 |
| Retained earnings to average equity (ytd only) | -8.5689% | 6,799 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9888% | 3,555 |
| Assets per employee ($millions) | 6.0322% | 1,182 |
| Cash dividends to net income (ytd only)* | 249.1085% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0048% | 91 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 10.4058% | 7,364 |
| Net loans and leases to deposits | 11.7622% | 7,373 |
| Net loans and leases to core deposits | 11.7622% | 7,363 |
| Total domestic deposits to total assets | 88.4686% | 1,775 |
| Equity capital to assets | 11.1071% | 3,042 |
| Core capital (leverage) ratio | 10.0608% | 3,357 |
| Tier 1 risk-based capital ratio | 19.6247% | 1,779 |
| Total risk-based capital ratio | 20.8571% | 1,755 |
| Memoranda: | ||
| Average total assets | $56,544,000 | 6,195 |
| Average earning assets | $54,348,750 | 6,087 |
| Average equity | $6,519,500 | 6,052 |
| Average total loans | $6,737,750 | 7,292 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8054% | 7,386 |
| Cost of funding earning assets | 0.3172% | 7,284 |
| Net interest margin | 2.4883% | 7,194 |
| Noninterest income to average assets | 0.1049% | 6,801 |
| Noninterest expense to average assets | 1.8341% | 7,037 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6078% | 4,025 |
| Return on assets (ROA) | 0.6078% | 4,154 |
| Pretax return on assets | 0.6548% | 4,557 |
| Return on Equity (ROE) | 5.2018% | 4,358 |
| Retained earnings to average equity (ytd only) | -16.4723% | 7,075 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6919% | 3,419 |
| Assets per employee ($millions) | 5.7166% | 1,383 |
| Cash dividends to net income (ytd only)* | 416.6667% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9513% | 97 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 11.0853% | 7,437 |
| Net loans and leases to deposits | 12.5605% | 7,449 |
| Net loans and leases to core deposits | 12.5605% | 7,439 |
| Total domestic deposits to total assets | 88.2553% | 1,992 |
| Equity capital to assets | 11.3966% | 2,605 |
| Core capital (leverage) ratio | 9.7930% | 3,531 |
| Tier 1 risk-based capital ratio | 20.3929% | 1,536 |
| Total risk-based capital ratio | 21.6442% | 1,504 |
| Memoranda: | ||
| Average total assets | $55,284,670 | 6,285 |
| Average earning assets | $52,968,670 | 6,183 |
| Average equity | $6,459,330 | 6,097 |
| Average total loans | $6,757,670 | 7,363 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7827% | 7,446 |
| Cost of funding earning assets | 0.3392% | 7,334 |
| Net interest margin | 2.4435% | 7,236 |
| Noninterest income to average assets | 0.1251% | 6,792 |
| Noninterest expense to average assets | 1.8401% | 7,088 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5668% | 4,202 |
| Return on assets (ROA) | 0.5668% | 4,275 |
| Pretax return on assets | 0.6183% | 4,614 |
| Return on Equity (ROE) | 4.7889% | 4,503 |
| Retained earnings to average equity (ytd only) | -38.7468% | 7,352 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8503% | 3,352 |
| Assets per employee ($millions) | 5.5561% | 1,523 |
| Cash dividends to net income (ytd only)* | 909.0909% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4480% | 82 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 10.4714% | 7,498 |
| Net loans and leases to deposits | 11.8122% | 7,511 |
| Net loans and leases to core deposits | 11.8122% | 7,501 |
| Total domestic deposits to total assets | 88.6485% | 1,988 |
| Equity capital to assets | 11.0527% | 2,635 |
| Core capital (leverage) ratio | 9.6519% | 3,588 |
| Tier 1 risk-based capital ratio | 20.9195% | 1,413 |
| Total risk-based capital ratio | 22.1745% | 1,388 |
| Memoranda: | ||
| Average total assets | $54,344,000 | 6,362 |
| Average earning assets | $51,892,000 | 6,276 |
| Average equity | $6,431,500 | 6,114 |
| Average total loans | $6,767,500 | 7,422 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 7,356 |
| Cost of funding earning assets | 0.5020% | 7,296 |
| Net interest margin | 3.0812% | 6,567 |
| Noninterest income to average assets | 0.0893% | 6,949 |
| Noninterest expense to average assets | 2.1893% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7569% | 2,967 |
| Return on assets (ROA) | 0.6868% | 3,405 |
| Pretax return on assets | 0.7364% | 3,842 |
| Return on Equity (ROE) | 5.1281% | 4,013 |
| Retained earnings to average equity (ytd only) | 0.6818% | 5,227 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9497% | 3,606 |
| Assets per employee ($millions) | 5.3127% | 1,737 |
| Cash dividends to net income (ytd only)* | 86.7052% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4811% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 13.0160% | 7,574 |
| Net loans and leases to deposits | 14.9488% | 7,584 |
| Net loans and leases to core deposits | 15.0310% | 7,570 |
| Total domestic deposits to total assets | 87.0706% | 2,783 |
| Equity capital to assets | 12.6527% | 1,550 |
| Core capital (leverage) ratio | 11.4130% | 1,883 |
| Tier 1 risk-based capital ratio | 22.7458% | 1,072 |
| Total risk-based capital ratio | 23.9994% | 1,050 |
| Memoranda: | ||
| Average total assets | $50,381,200 | 6,521 |
| Average earning assets | $47,610,600 | 6,449 |
| Average equity | $6,747,200 | 6,125 |
| Average total loans | $7,466,600 | 7,486 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 7,437 |
| Cost of funding earning assets | 0.5225% | 7,416 |
| Net interest margin | 3.2003% | 6,343 |
| Noninterest income to average assets | 0.0885% | 7,091 |
| Noninterest expense to average assets | 2.1598% | 6,712 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8863% | 2,665 |
| Return on assets (ROA) | 0.7915% | 3,203 |
| Pretax return on assets | 0.8505% | 3,731 |
| Return on Equity (ROE) | 5.8239% | 3,896 |
| Retained earnings to average equity (ytd only) | -0.0988% | 5,809 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3966% | 4,188 |
| Assets per employee ($millions) | 5.0043% | 2,174 |
| Cash dividends to net income (ytd only)* | 101.6958% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1312% | 159 |
| Loan loss allowance to noncurrent loans | 151.8939% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 6,107 |
| Noncurrent loans to loans | 3.3781% | 2,359 |
| Net loans and leases to total assets | 14.8153% | 7,667 |
| Net loans and leases to deposits | 17.3111% | 7,678 |
| Net loans and leases to core deposits | 17.4136% | 7,669 |
| Total domestic deposits to total assets | 85.5824% | 3,304 |
| Equity capital to assets | 13.8321% | 1,228 |
| Core capital (leverage) ratio | 12.2334% | 1,545 |
| Tier 1 risk-based capital ratio | 23.6047% | 993 |
| Total risk-based capital ratio | 24.8142% | 972 |
| Memoranda: | ||
| Average total assets | $49,694,750 | 6,632 |
| Average earning assets | $46,952,500 | 6,560 |
| Average equity | $6,753,500 | 6,199 |
| Average total loans | $7,504,250 | 7,579 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 7,447 |
| Cost of funding earning assets | 0.5396% | 7,491 |
| Net interest margin | 3.3320% | 5,893 |
| Noninterest income to average assets | 0.0928% | 7,124 |
| Noninterest expense to average assets | 2.1340% | 6,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0166% | 2,133 |
| Return on assets (ROA) | 1.0166% | 2,204 |
| Pretax return on assets | 1.0972% | 2,796 |
| Return on Equity (ROE) | 7.5254% | 3,101 |
| Retained earnings to average equity (ytd only) | -1.4334% | 6,051 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0424% | 4,974 |
| Assets per employee ($millions) | 5.0193% | 2,162 |
| Cash dividends to net income (ytd only)* | 119.0476% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4120% | 135 |
| Loan loss allowance to noncurrent loans | 152.2727% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 6,151 |
| Noncurrent loans to loans | 3.5541% | 2,220 |
| Net loans and leases to total assets | 13.9980% | 7,736 |
| Net loans and leases to deposits | 16.2590% | 7,752 |
| Net loans and leases to core deposits | 16.3540% | 7,742 |
| Total domestic deposits to total assets | 86.0937% | 3,031 |
| Equity capital to assets | 13.4501% | 1,367 |
| Core capital (leverage) ratio | 11.6994% | 1,806 |
| Tier 1 risk-based capital ratio | 23.0396% | 1,070 |
| Total risk-based capital ratio | 24.2947% | 1,044 |
| Memoranda: | ||
| Average total assets | $49,578,670 | 6,665 |
| Average earning assets | $46,698,000 | 6,603 |
| Average equity | $6,697,330 | 6,239 |
| Average total loans | $7,400,670 | 7,649 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 7,490 |
| Cost of funding earning assets | 0.5498% | 7,604 |
| Net interest margin | 3.4103% | 5,539 |
| Noninterest income to average assets | 0.1055% | 7,175 |
| Noninterest expense to average assets | 2.1595% | 6,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0878% | 1,870 |
| Return on assets (ROA) | 1.0878% | 1,950 |
| Pretax return on assets | 1.1690% | 2,478 |
| Return on Equity (ROE) | 8.0354% | 2,868 |
| Retained earnings to average equity (ytd only) | -9.9543% | 6,966 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8780% | 5,328 |
| Assets per employee ($millions) | 4.5675% | 2,855 |
| Cash dividends to net income (ytd only)* | 223.8806% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7764% | 113 |
| 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 | 13.0187% | 7,844 |
| Net loans and leases to deposits | 15.0247% | 7,857 |
| Net loans and leases to core deposits | 15.0247% | 7,843 |
| Total domestic deposits to total assets | 86.6489% | 2,816 |
| Equity capital to assets | 12.9590% | 1,543 |
| Core capital (leverage) ratio | 11.0134% | 2,224 |
| Tier 1 risk-based capital ratio | 22.8711% | 1,096 |
| Total risk-based capital ratio | 24.1264% | 1,067 |
| Memoranda: | ||
| Average total assets | $49,271,500 | 6,754 |
| Average earning assets | $46,564,500 | 6,679 |
| Average equity | $6,670,500 | 6,301 |
| Average total loans | $7,387,000 | 7,743 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 7,268 |
| Cost of funding earning assets | 0.6498% | 7,737 |
| Net interest margin | 3.9635% | 3,014 |
| Noninterest income to average assets | 0.1146% | 7,182 |
| Noninterest expense to average assets | 2.3335% | 6,651 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4057% | 844 |
| Return on assets (ROA) | 1.4057% | 901 |
| Pretax return on assets | 1.5009% | 1,185 |
| Return on Equity (ROE) | 10.3427% | 1,596 |
| Retained earnings to average equity (ytd only) | 4.7736% | 1,935 |
| Net charge-offs to loans | 0.0737% | 6,374 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 115.6667% | 246 |
| Efficiency ratio | 60.8573% | 6,353 |
| Assets per employee ($millions) | 4.3909% | 3,129 |
| Cash dividends to net income (ytd only)* | 53.8462% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1200% | 164 |
| 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 | 15.3851% | 7,906 |
| Net loans and leases to deposits | 18.0028% | 7,923 |
| Net loans and leases to core deposits | 18.3836% | 7,927 |
| Total domestic deposits to total assets | 85.4596% | 3,316 |
| Equity capital to assets | 14.1408% | 1,123 |
| Core capital (leverage) ratio | 12.8778% | 1,286 |
| Tier 1 risk-based capital ratio | 23.8405% | 963 |
| Total risk-based capital ratio | 25.0927% | 944 |
| Memoranda: | ||
| Average total assets | $46,240,200 | 6,862 |
| Average earning assets | $43,396,000 | 6,792 |
| Average equity | $6,284,600 | 6,504 |
| Average total loans | $8,146,200 | 7,781 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7523% | 7,202 |
| Cost of funding earning assets | 0.6771% | 7,836 |
| Net interest margin | 4.0752% | 2,496 |
| Noninterest income to average assets | 0.1108% | 7,347 |
| Noninterest expense to average assets | 2.2744% | 6,769 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5425% | 740 |
| Return on assets (ROA) | 1.5425% | 797 |
| Pretax return on assets | 1.6621% | 1,038 |
| Return on Equity (ROE) | 11.4719% | 1,492 |
| Retained earnings to average equity (ytd only) | 3.8818% | 3,122 |
| Net charge-offs to loans | 0.0973% | 5,700 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 94.9975% | 374 |
| Efficiency ratio | 57.7778% | 6,752 |
| Assets per employee ($millions) | 3.9020% | 3,934 |
| Cash dividends to net income (ytd only)* | 66.1629% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6396% | 186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 19.2023% | 7,956 |
| Net loans and leases to deposits | 23.0108% | 7,977 |
| Net loans and leases to core deposits | 23.7583% | 7,976 |
| Total domestic deposits to total assets | 83.4490% | 3,993 |
| Equity capital to assets | 15.1903% | 953 |
| Core capital (leverage) ratio | 13.3919% | 1,267 |
| Tier 1 risk-based capital ratio | 24.5217% | 947 |
| Total risk-based capital ratio | 25.7776% | 925 |
| Memoranda: | ||
| Average total assets | $45,725,250 | 6,933 |
| Average earning assets | $42,925,500 | 6,870 |
| Average equity | $6,148,250 | 6,614 |
| Average total loans | $8,224,750 | 7,851 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 7,285 |
| Cost of funding earning assets | 0.6865% | 7,930 |
| Net interest margin | 4.0778% | 2,401 |
| Noninterest income to average assets | 0.1200% | 7,390 |
| Noninterest expense to average assets | 2.1689% | 7,128 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6331% | 643 |
| Return on assets (ROA) | 1.6331% | 707 |
| Pretax return on assets | 1.7703% | 896 |
| Return on Equity (ROE) | 12.6487% | 1,250 |
| Retained earnings to average equity (ytd only) | 1.0292% | 4,757 |
| Net charge-offs to loans | 0.1484% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 68.8333% | 537 |
| Efficiency ratio | 55.0598% | 7,222 |
| Assets per employee ($millions) | 3.9102% | 3,855 |
| Cash dividends to net income (ytd only)* | 91.8635% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8908% | 137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 16.6191% | 8,069 |
| Net loans and leases to deposits | 19.1918% | 8,086 |
| Net loans and leases to core deposits | 19.6364% | 8,091 |
| Total domestic deposits to total assets | 86.5948% | 2,456 |
| Equity capital to assets | 12.9577% | 1,711 |
| Core capital (leverage) ratio | 12.3161% | 1,689 |
| Tier 1 risk-based capital ratio | 22.9711% | 1,137 |
| Total risk-based capital ratio | 24.2265% | 1,110 |
| Memoranda: | ||
| Average total assets | $46,659,670 | 6,952 |
| Average earning assets | $43,700,000 | 6,894 |
| Average equity | $6,024,330 | 6,704 |
| Average total loans | $8,085,330 | 7,943 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 7,267 |
| Cost of funding earning assets | 0.7258% | 7,977 |
| Net interest margin | 4.1340% | 2,146 |
| Noninterest income to average assets | 0.1633% | 7,136 |
| Noninterest expense to average assets | 1.9859% | 7,385 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9085% | 419 |
| Return on assets (ROA) | 1.9085% | 470 |
| Pretax return on assets | 2.0461% | 610 |
| Return on Equity (ROE) | 14.8086% | 1,012 |
| Retained earnings to average equity (ytd only) | 14.8086% | 436 |
| Net charge-offs to loans | 0.5480% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 21.6364% | 1,335 |
| Efficiency ratio | 49.2537% | 7,649 |
| Assets per employee ($millions) | 4.6958% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3702% | 90 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 14.8601% | 8,129 |
| Net loans and leases to deposits | 17.2177% | 8,145 |
| Net loans and leases to core deposits | 17.6150% | 8,155 |
| Total domestic deposits to total assets | 86.3069% | 2,551 |
| Equity capital to assets | 13.2949% | 1,617 |
| Core capital (leverage) ratio | 12.0258% | 1,892 |
| Tier 1 risk-based capital ratio | 23.6625% | 1,118 |
| Total risk-based capital ratio | 24.9178% | 1,096 |
| Memoranda: | ||
| Average total assets | $46,528,500 | 7,009 |
| Average earning assets | $43,541,000 | 6,955 |
| Average equity | $5,996,500 | 6,759 |
| Average total loans | $8,028,500 | 7,991 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 7,798 |
| Cost of funding earning assets | 1.0890% | 8,014 |
| Net interest margin | 3.9704% | 3,269 |
| Noninterest income to average assets | 0.0889% | 7,694 |
| Noninterest expense to average assets | 2.1134% | 7,204 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5570% | 912 |
| Return on assets (ROA) | 1.5570% | 884 |
| Pretax return on assets | 1.6776% | 1,196 |
| Return on Equity (ROE) | 12.2761% | 1,527 |
| Retained earnings to average equity (ytd only) | -1.9015% | 5,842 |
| Net charge-offs to loans | -0.2199% | 8,178 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7478% | 7,048 |
| Assets per employee ($millions) | 4.6099% | 2,464 |
| Cash dividends to net income (ytd only)* | 115.4891% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6873% | 118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 17.9527% | 8,168 |
| Net loans and leases to deposits | 20.5860% | 8,192 |
| Net loans and leases to core deposits | 21.1166% | 8,191 |
| Total domestic deposits to total assets | 87.2080% | 1,835 |
| Equity capital to assets | 12.4732% | 2,030 |
| Core capital (leverage) ratio | 12.0307% | 1,950 |
| Tier 1 risk-based capital ratio | 34.7491% | 453 |
| Total risk-based capital ratio | 36.0159% | 441 |
| Memoranda: | ||
| Average total assets | $47,269,400 | 6,889 |
| Average earning assets | $44,076,400 | 6,851 |
| Average equity | $5,995,400 | 6,808 |
| Average total loans | $9,095,600 | 7,984 |